With the new wave of change sweeping the Banking industry under the dispensation of sanusi, who can we now say is a MANAGER in any of these present Banks. This question has become pertinent considering the fact that the focus of the Banks will(has) changed. We will no longer be faced with the craze of wanting to send people out for deposits now since rates have crashed seriously making it even burdensome to keep idle funds. The new Managers now have to be creative, devising very ingenious means of generating fund and making profit for their institutions. We can put the question in a more apt manner, WHAT WILL BE THE NEW FUNCTION OF OUR NEW MANAGERS considering the fact that there is no more free funds.