I foresee that this on-going bank reforms have the tendency to bring about serious economic melt down impact on our economy. Banks will no longer be induced to finance manufacturing activities (thus lowering productivity) and also shares are adversely reacting to the current situation. In fact, investment has been totally discouraged. Where are we going?

Has the banks ever finance projects without any kick backs which has made the price of those things doubles.
The banking in Nigeria are just terrible, though, some seems to be ok, they will tell the marketers to deal woth some quota that is just not feasible and thereby making the ladies to sleep with almost anyone that has the money.
The reforms seems to be causing wahala, however, the banking industry is all messed up, from the CBN to the clerk at the banks