1. SURNAME: OJO2. FIRST NAME: JOSHUA

OTHER NAMES: ADEWALE THOMPSON3. DATE OF BIRTH: December 3, 1941, Ikogosi Ekiti, Ekiti State, NIGERIA.4. NATIONALITY: Nigerian (at birth and at present)5. CIVIL STATUS: Married6. CURRENT POSTAL ADDRESS: Department of Banking & Finance,

Covenant University, Canaanland, Ota.P.O.Box 4787, Shomolu Post Office,Lagos, NIGERIA.

Home MobileTelephone: 01-8966812 08023436590E-mail: adewaletojo@yahoo.com

7. EDUCATION: Institution University of Wales, Bangor, N. Wales, U.K From – To 1971 – 1974 Degree/Diploma Obtained Ph.D. Financial Economics

Institution University of Leeds, Leeds, U.K From – To 1969 – 1970 Degree/Diploma Obtained M.A. Development Econs & Finance

Institution University of Ife, Ile-Ife, Nigeria. From – To 1966 – 1968 Degree/Diploma Obtained B.Sc. (Hons) Economics

8. MEMBERSHIP OF PROFESSIONAL BODIES:i Banking Diploma & Associate Member of the Institute of Bankers, London, Qualified since Aug. 1968ii Fellow of the Chartered Institute of Bankers of Nigeria (FCIB)iii Fellow of the Institute of Management Consultants (FIMC)iv Member of the International Council of Management Consulting Institutes (ICMCI).v. Life Member of the Nigerian Economic Society (MNES)vi. Fellow of the Nigerian Finance Association (FNIFA)vii. Member of The International Council for Small Business (ICSB)

9. ACADEMIC HONOURS/AWARDS

(i) Western State of Nigeria Doctoral Scholar (1969 - 1974)(ii) British Council Scholar at the University of Leeds (1969 - 1970).

10. WORKING EXPERIENCE

(a) Professional Experience

(i) Banking Job (Cashier/Banking Accountant) at Barclays Bank, 1961 to September, 1965.

(ii) Government Auditor with the Western State of Nigeria Public Service, October 1968 to

CURRICULUM VITAE (As of Nov.

March, 1975.

(iii) Banking: Visiting Professor & Head of Planning & Research Department at Continental Merchant Plc., 1992/1993.

(b) Teaching/Research

(i) Teaching of Higher School Certificate Economics at Ekiti Parapo College, Ido-Ekiti, June toOctober, 1968.

(ii) Full-time Postgraduate Research in Banking and Finance at the University of Wales 1971-1974.

(iii) Teaching and Research in Banking and Finance at the University of Lagos, April, 1975 – May 2004, in the following academic status:

April 1975 to March 1977 - Lecturer IIMarch 1977 to September 1978 - Lecturer IOctober 1978 to April 1983 - Snr. LecturerApril 1983 to October 1984 - Associate ProfessorOctober 1984 to date - Professor

(c) APPOINTMENT WITH INTERNATIONAL ORGANIZATION & ACADEMIC INSTITUTION

(i) Full-time appointment as Senior International Money and Finance Analyst with the Research Division, Economics and Finance Department of OPEC in Vienna, July 1978 to September 1980 (On leave of absence from the University).

(ii) Visiting Professor of the University of Bayreuth, Germany, 1990, 1991 and 1996.

(d) MAIN COURSES TAUGHT AT UNIVERSITY LEVEL (1975 - 2007)

(i) Business and Corporate Finance Undergraduate(ii) Nigerian Banking and Finance -do-(iii) International Banking and Finance -do-(iv) Comparative Banking/Finance Systems -do-(v) Principles of Accounting -do-(vi) Financial Markets and Institutions Graduate(vii) Financial Management Graduate and Undergraduate(viii) International Trade & Regional Co-operation -do-(ix) International Monetary & Financial Institutions -do-(x) Multinational Business Finance Graduate

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PUBLICATIONS:

(a) Thesis Ojo, J.A.T. (1974), "Financial Sector and Economic Development, with special reference to the Nigerian Capital Markets", Ph.D Thesis, University of Wales, (xvi, 432 pp.).

(b) Books and Monographs:(i) (Ojo, Ade T. (1976 & 1984), The Nigerian Financial System, Bangor Series in

Economics, No. 7, University of Wales Press, Cardiff, (viii, 101 pp.).

(ii) Ojo, Ade T. & Adewunmi, 'Wole (1982) Cooperative Banking, in Nigeria - Evolution, Structure and Operations, University of Lagos Press, Lagos (xii, 71 pp.)

*(iii) Ojo, Ade. T. & Adewunmi, Wole (1982), Banking and Finance in Nigeria - A Study of the Role of Financial Institutions in a Developing Economy, Graham Burn -Publisher, Leighton Buzzard, Bedforshire, U.K. (xx, 316 pp.)

(iv) Orimalade, W.A. Ojo, Ade T. & Adewunmi, Wole, Leading Issues in Business Finance in Nigeria, Nigerian Educational Publications(New Horn Press Ltd.), Ibadan 1987.

(v) Ojo, Ade T. (Ed)(1988), The Role of the Finance Industry in the Successful Implementation of the Structural Adjustment Programme - Papers and Proceedings of the 1987 Bank Directors' Seminar, Published by the Financial Institutions Training Centre, Lagos. 1988.

(vi) Ojo, Ade T. (Ed) (1991), World Financial Sector, Year 2000: Nigeria Case.

Epistemy Nig. Ltd., Lagos

(vii) Ojo, Ade T. (Ed) (1992), Business Performance Improvement Through Cost Management. Proceedings of the Second National Biennial Conference, 1989, of the Faculty of Business Administration, University of Lagos, Published by the University of Lagos Press Ltd., Lagos, 1992.

(viii) Ojo, Ade T. (Ed) (1992), Banks and the Financing of Small Scale Enterprises, Banking Seminar Proceedings Published for the Chartered Institute of Bankers of Nigeria, Lagos Branch, F & A Publishers Ltd. Lagos.

(ix) Ojo, Ade T. (Ed), Mobilizing Finance For Natural Resources Conservation in Nigeria, Published by the Natural Resources Conservation Council, Abuja.

(x) Ojo, J.A.T. (1992), Financial Sector Maladaptation And Nigeria's Economic Transformation Problem; University of Lagos Inaugural Lecture Series, University of Lagos Press, Lagos.

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(xi) Ojo, Ade T. (Ed) (1995), Management of Small And Medium Scale Enterprises In Nigeria, Proceedings of the Third National Biennial Conference, 1992, of the Faculty of Business Administration, University of Lagos, Pumark Publishers, Lagos, 1995.

(xii) Ojo, J.A.T., Lai Olurode & Funmi Adegbite (Mrs.) (1998), Exchange Liberalization: Implications For Macroeconomic Performance In Nigeria, A Commissioned

Research Publication of the Nigerian Institute of Social and Economic Research (NISER) and Social Science Council of Nigeria (SSCN) Supported By International Development Research Centre, Canada.

(xiii) Ojo, Ade T. (ed.) (2004), Small And Medium Enterprises Development And SMIEIS – Effective Implementation Strategies, published by the Chartered Institute of Bankers of Nigeria (CIBN): Press Ltd., Lagos.

(xiv) Ojo, Ade T. (2008) Maladapted Financial System: Nigeria’s Development Dilemma, Publication in progress, to be out before end of 2008

(c) Contributions to Books:

(i) Ojo, Ade T. (1978), "Oil Money Flows and the Evolving International Financial System", in Oil and the New International Economic Order (Proceedings of the 1976 Annual Conference of the Nigerian Economic Society at Benin-City, September 1976), published by the Nigerian Economic Society by the University of Ibadan Press, Ibadan (pp.105-123).

(ii) -------------, (1979), "Financing Urban Housing in Nigeria" in Urbanizing and Nigeria's Economic Development, University of Ibadan Press, Ibadan, (pp.261-277).

*(iii) -------------, (1979), "Cooperative Banking in a Developing Economy - Relevance of the Raiffeisen and Schulze-Delitsch Model", in Year Book of Agricultural Cooperation 1979, published by the Plunkett Foundation for Cooperative Studies, Oxford, 1979 (pp.143-156).

(iv) -------------, (1980), "Capital Market Integration and Industrialization in the ECOWAS", in Industrialization in the Economic Community of West African States (ECOWAS), edited by V.P. Diejomaoh & M.A. Iyoha, published for the West African Economic Association by the Heineman Educational Books Ltd., Ibadan, 1980, ch.22 (pp.413-429).

*(v) -------------, (1982), "International Financing of Energy Resources", in International Financing of Economic Development, edited by Negoslav Ostojic, Milutin Cirovic & Francois Perroux (Proceedings of the Second World Scientific Banking Meeting at Dubrovnick, Yugoslavia, May 26-31, 1980), Published by the Institute for International Scientific, Educational, Cultural and Technical Cooperation of the Socialist Republic of Serbia, Yugoslavia, Belgrade, 1982 (pp.169-488).

*(vi) -------------, (1982) "Recycling of Surplus Oil Funds and Needed Assistance to LDCs" in International Financing of Economic Development (Same place as listed for (v above), (pp.855-859).

*(vii) -------------, (1984), "Energy Investment Opportunities and Financial Problems in the ECOWAS", in Trade and Development in ECOWAS, edited by R.E. Ubogu & W.A. Orimalade, Vikas Publishing House PVT Ltd., New Delhi, 1984, Ch. 15, (pp.199-230).

(viii) --------------, (1985), "Banks and Nigeria's External Finance" Nigeria Banking Annual 1985, Published by Alfa Communication Ltd., Lagos (pp. 145-152).

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(xi) -------------, (1986), "The International Finance Structure and the Third World", in Nigeria Banking Annual 1986, Alfa Communication Ltd., Lagos, 1986, (pp.85-93).

(x) -------------, (1986), "Manpower Development in Nigeria's Industrialization - The Role of the Private Sector" in Manpower Development and Utilization in Nigeria: Problems and Policies Edited by Ojo, Aderinto and Fashoyin, Lagos University Press, Lagos, 1986, (pp.147-172).

*(xi) -------------. (1987), "Regional Financial Institutions: Their Role in the Promotion of Regional Self-Reliance" in Natural and Financial Resources for Development, edited by Silvio Borner & Alwyn Taylor, Published for the International Economic Association (I.E.A) in its Conference Volume No. 81 by Macmillian Press Ltd., 1987.

(xii) -------------, (1989), "Banking and Finance in O. Iyanda (ed.), The Lagos Chamber of Commerce and The Nigerian Economy 1888-1988, Lagos Chamber of Commerce and Industry, (Ch.8, pp. 122-147).

*(xiii) -------------, (1991), "External Financing and Debt Problems in Nigeria", in D. Avramovic & N.P. Ostojic (eds.) Future of International Monetary, Financial and Trade Cooperation For Development, Proceedings of the Third World Scientific Banking Meeting, June 7-10, 1989 - European Centre for Peace and Development & World Scientific Banking Meeting, Beograd, 1990/91, (pp.201-220).

(xiv) -------------, (1991), "Management of Nigeria's External Reserves" in Thirty Years of Central Banking in Nigeria, Published by Development Economic Resources Ltd., Lagos.

*(xv) -------------, (1991), "Towards Integrating Housing Finance Into The Nigerian Financial System", in UNCHS (1991) Report of the Inter-Regional Workshop on Integration of Housing Finance Into The National Finance systems of Developing Countries. Held in Goa, India, June 10-14, 1991, published by the UN Centre for Human Settlements (HABITAT), Nairobi 1991 (pp. 23-31).

(xvi) -------------, (1992), "Modalities for Obtaining Finance On Concessionary Basis For Natural Resources Conservation Programmes", in Mobilizing Finance For Natural Resources Conservation In Nigeria (edited by Ade T. Ojo), published by the Natural Resources Conservation Council, Abuja.

*(xvii) -------------, (1992), "Problems of Orthodox Formal Capital Markets in Developing Countries", in Klaus P. Fischer & George J. Papaioannou (eds), Business Finance in Less Developed Capital Markets, Prepared under the auspices of Hofstra University USA, Greenwood Press, west Port and London.

(xviii) -------------. (1993) "Finance Houses and 100 Years of Banking In Nigeria: Challenges and Prospects", in Ike Onyechere (ed.), 100 Years of Banking In Nigeria, 1882-92: Lesson For Today's Bankers, Potomac Nigeria Ltd., Lagos, (Chp.10, pp. 145-163).

(xix) -------------, (1995), "Role Of Informal Finance In The Development of Small & Medium Enterprises (SMEs)", in Ade T. Ojo (ed.), Management of Small & Medium Scale Enterprises In Nigeria, Pumark Publishers Nigeria Ltd., Lagos, 1995 (Ch. 18).

(xx) ------------, (1996), “Informal Finance and Management of the Nigerian Economy”, in Beyond Adjustment – management of the Nigerian Economy, Selected Papers for the 1996 Annual Conference of the Nigerian Economic Soceity, Multi Media Publishers Ltd., Ibadan (Chapter 9).

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(xxi) -------------, (1998), "Privatisation of the Nigerian Economy In The Next Century - Problems And Prospects", ch. 21 in Guided Deregulation And Sustainable Economic Growth In Nigeria, being Proceedings at the 8th and 9th Annual Banking Conference Sessions in 1996 & 1997, Organised by Maryland Finance Coy, & Consultancy Services Ltd., published by Fadec & Coy. Ltd. Publishers, Lagos, 1998.

*(xxii) Ojo Ade T. (1999) “Entwicklungslánder angesichts Globalisierung und Regionalisièrung: Őkonomische Chancen und Herausforderung”, (“Developing Countries Facing Globalisation – Economic Prospects and Challenges”) in Ein Ethos Fúr Eine Welt?: Globalisierung als ethische Herausforderung, edited by Karl-Josef Kuschel, Alessandro Pinzani, Martin

Zillinger (Hg.), Campus Verlag, Frankfurt/Main & New York, 1999. (pp.374-402)

(xxii) Ojo Ade T. (2002), “Local Government in Nigeria & National Development: Issues, Challenges & Prospects”, ch. 4 in Contemporary Essays in National Development edited by Wole Owaboye Centre for Law Research & Economic Development projects, Lagos.

(xxiii) Ojo Ade T. (2003), “Financial Liberalisation: The Key Challenges”, chapter 7 in Surviving In A Liberalised, Globalised And E-Commerce Environment, edited by William E Akpieyi-Otuedon, Published for Trithel International Consulting by Perfect Printers Ltd., Ikeja, Nigeria. (pp 81-111).

(xxiv) Ojo, Ade T. (2006), “The Expectations of Financial Reforms in Banks” Lead Paper in Structural Reforms and Management of Financial Institutions in Nigeria, edited by R.O.C. Somoye and R. O. Akingunola, Proceedings of 1st International Conference in March 15-17, 2006, published by the Department of Banking and Finance, Olabisi Onabanjo University, Ago-Iwoye, Nigeria (pp 1-19).

(c) Articles:

(i) Ojo Ade T. (1978), "Bank Lending in Nigeria." Management in Nigeria, January/February 1976 (pp.29-34).

(ii) Ojo Ade T. (1978), "Some Concepts of a Developing Financial Sector in the Development Process, Nigerian Journal of Business Management, March/April, pp. 258-263.

(iii) Ojo Ade T. (1979), "The Role of Insurance in the Economy Federal Might: Journal of The National Insurance Corporation of Nigeria, Vol.1, No. 6, April/June, 1976.

*(iv) Ojo, Ade T. (1979), "The Role of Foreign Investment and Transnational Enterprises in ECOWAS Industrialization", Research Bureau in Lagos, Published in Marketing in West Africa (in Germany) and The Journal of Management Studies (published by the School of Administration, University of Ghana) Second Series, Vol.II, No.1, March 1978 (pp.47-58).

*(v) Ojo, Ade T. (1979), "Economies of Scale Relevance in Banking Structure and Performance in Banking, "Savings and Development Quarterly Review (Italy), Vol.III, No.4, 1979, (pp. 277-295).

*(vi) Ojo, Ade T. (1979), "The Dollar Problems and Disorderly Floating Exchange Rates", OPEC Review, Vol.II, No.2, Summer 1979 pp.86-112;

*(vii) Ojo, Ade T. (1980), "Gold Price Developments and the International Monetary System" OPEC Review, Vol. 12-13, October 1980, pp.9-12.

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(viii) Ojo, Ade T. (1982), "Oil Money Illusion and Problems", OPEC Review, Vol. VI, No.2, Summer 1982, 200-225.

(ix) Ojo, Ade T. (1983), "Housing Finance Problems in Nigeria" in Proceedings of the Third International Conference on Housing: Fifty Years of Housing Development in Africa - Lessons for The Future, published by the Association of Housing Corporations of Nigeria as Conference Proceedings, pp. 104-114.

(x) Ojo, Ade T. "The Role of Government in Capital Market Development", Securities Market Journal, Vol.1, 1983, pp.52-60.

*(xi) Ojo, Ade T. (1983), "Real Estate Financing Institutional Structure and Problems in Nigeria", Savings and Development Quarterly Review (Italy), No. 4-193 - VIII, pp.339-358.

(xii) Ojo, Ade T. (1983), "The Role of Foreign Investment in Industrialization with particular reference to Nigeria". The Nigerian Journal of Development Studies, Vol. 3, Nos. 1 & 2, April/October 1983 (pp. 95-115).

*(xiii) Ojo Ade. T. (1984), "Energy Planning and Investment for Increased Earnings - The Case of Nigeria's Oil and Gas Resources", Energy Policy - Butterworth Scientific Limited - Journals Division (U.K) March 1984, Vol. 12, No.1, pp. 22-32.

(xiv) Ojo, Ade. T. & Ayadi O. (1984), "Oil Glut, Government Financial Policy and Business Outlook in Nigeria", Management in Nigeria, Vol. 20, No.1, 1984, pp. 34-38.

(xv) Ojo, Ade T. (1986), "Overview of the Financial System: An Appraisal in the Context of Nigeria's Economic Development", published by the Central Bank of Nigeria in The Bullion, Vol. 10, No.1, January/March, 1986, pp.18-29 & 45.

(xvi) Ojo, Ade. T. (1987), "Evaluation of Non-Bank Financial Intermediaries and Instruments in The Nigerian Financial System" The Bullion, Vol. 11, No. 3, July/September, 1987 (pp.1-7).

(xvii) Ojo, Ade. T. (1990) "An Overview of The Monetary and Fiscal Policy Regulations in Nigeria in 1990", Resolute Review Publication, Lagos.

(xviii) Ojo, Ade. T. (1990) "The Importance of Prudent Financial Management for Commercialised And Privatised Public Companies". First Bank Quarterly Review June 1990 (pp. 11-18).

(xix) Ojo, Ade T. (1992), "The Relative Importance of Banks and Other Institutions in Financing Small Scale Businesses", in Ade T. Ojo (ed.), Nigerian Banks and Small Scale Businesses, F&A Publishers, (1991/92 Edition), Research & Data Services Ltd., Lagos (pp.8-15).

(xx) Ojo, Ade. T. (1992), "Nigerian Export Financing In Perspective", The Banker, April-June 1992 (pp.5-11).

(xxi) Ojo, Ade. T. (1993), "Towards A New Banking Culture For Nigeria's Industrial Development", The Nigerian Banker, October - December, 1993 (pp. 31 - 42).

(xxii) Ojo, Ade. T. (1994), "An Overview of The Nigerian Banking System", Economic & Financial Review (Central Bank of Nigeria), Vol. 32, No.3, September 1994 (pp. 226-259).

*(xxiii) Ade T. Ojo (1996) "Comparative Issues In Linkage Banking: Asian and African Countries Experiences", in Proceedings of Seminar On Self-Help Groups Linkage Programme In

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Nigeria For Bank Executives, May 8-9, 1996, Published By African Rural And Agricultural Credit Association (AFRACA), (ch.11, pp. 68-86).

(xxiv) Ojo, Ade. T. (1997) "Finance And Accounting For Transparency", Commissioned Paper For The 1997 Annual Conference of the Nigerian Institute of Management, Management in Nigeria, July-Dec., 1997 (pp.78-83).

(xxv) Ade T. Ojo (1998), "Rationale For Stock Market Promotion For African Economic Development", Business & Management Journal, Vol. 1, No. 2, July-Sept. 1998 (pp. 12-48).

(xxvi) Ade T. Ojo (1998) "Improving The Nigerian Payments Systems: Prospects and Promises", Nigerian Journal of Banking And Financial Issues, Vol.1, No.1, April 1998 (pp. 38-47).

(xxvii) Ojo, J.A.T. & J. A. Oloyede (1998) "Deregulation, Concentration and Profitability in the Nigerian Banking System", Nigerian Journal of Banking And Financial Issues, April 1998, (pp. 1-24).

(xxviii) Ojo, Ade T. (1999), "Environmental Factors Constituting Barriers to the Implementation of Organisational Restructuring and Re-engineering", Business & Management Journal, (Lagos, Nigeria), Vol. 2, No. 3, July-Sept., 1999 (pp. 28-39).

(xxix) Ojo, J.A.T. (1998), “Concept of A Monetary Union And Overview of The Level of Cooperation In The West African SubRegion" The Nigerian Banker, July-Dec, 1998, (pp 10-13).

*(xxx) Ojo, Ade T. (2001), “Distance Learning Programmes as a Veritable Instrument of Human Resource Development: Strengths and Weaknesses”, Open Praxis: The Bulletin of The International Council For Open And Distance Education, Vol. 1, 2001 (pp. 6-10).

(xxx) Ojo, Ade T. (2001), “Universal Banking Practices: Some Case Studies”, The Bullion, Special Edition On Universal Banking, published by the Central Banking of Nigeria.

(xxxi) Ojo, Ade T. (2002, “The Future of Community Banks in Nigeria”, First Bank of Nigeria Plc Quarterly Review Volume 02, No. 2 June 2002 (pp. 45 – 61)

(xxxii) Ojo, J.A.T. (2007) “Economic Integration and National Development” Globalization Review – International Journal On Trade and Sustainable Development, Vol 3, No. 1, Feb. 2007.

(xxxiii) Ojo, Ade T. (2007), “Reform In The Micro-Finance Sub-Sector”, Commissioned Paper being published in the Lagos Journal of Banking, Finance And Economic Issues, Department of Finance, University of Lagos.

(xxxiv) Ojo, Ade T. (2008) “The Financial Sector and Nigerian’s Development Dilemma: Challenge for Vision 2020”, Lead Paper in Lagos Journal of Banking, Finance and Economic Issues, Vol. 2, No. 1, July 2008. (pp. 1-16).

(e) OTHER RELEVANT WORKS

(i) Ade T. Ojo, "Financial Reforms And Nigeria's Economic Survival", being published in the Union Bank Newsletter - The Analyst.

(ii) Ojo, Ade T., "Major Implications Of Financial Reforms And Policy Changes On Banking And

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Business Performance In Nigeria", Lecture delivered as Visiting Professor at Bayreuth University, Bayreuth, Germany, July 25, 1996.

(iii) Ade T. Ojo (1997), "Developing Countries Facing Globalization and Regionalization: Consequences and Needed International Reform Issues", Commissioned Paper Presented At The International Conference On "Global Ethic - A Guide For Economy and Politics", held in June 1-5, 1997, at the Heinrich Fabri-Institute in Blaubeuren, Germany.

(iv) Ade T. Ojo (1999), “Promoting Intra-Regional Trade And Tourism Through The Economic Community of West African States (ECOWAS) Travellers’ Cheque”, Paper Presented On A Study For The Money Market Association of Nigeria at A Seminar in Lagos, Nigeria, Nov. 29-30, 1999.

(v) Ade T. Ojo (2002), “New Strategy For Funding Of Higher Education In Nigeria”, Paper prepared for National Summit On Higher Education In Nigeria, Organised by the Federal Ministry of Education, March 10-16, 2002.

(vi) Ade T. Ojo (2002), “New Initiatives On Effective Delivery of Higher Education via Open and Distance Learning”, Paper prepared for National Summit On Higher Education In Nigeria, Organised by the Federal Ministry of Education, March 10-16, 2002.

(f) BOOKS BEING PUBLISHED IN 2008

Ojo, Ade T. Maladapted Financial System: Nigeria’s Development Dilemma, Publication in progress, to be out before end of 2008.

(f) TECHNICAL REPORTS

(i) Ojo, Ade T. (1989), "Report On Operationalising the Nigerian University Revolving Loan Scheme", Technical Report On a Study Undertaken For The Nigerian Students Loans Board, Abuja, April 1989.

(ii) Contributed as a Lead Consultant to the Countrywide Survey On Assessment of The Performance of Nigeria’s Rural Financial Institutions, Published by the Research Dept., Central Bank of Nigeria, In Collaboration with the World Bank, June 1999.

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13. RESEARCH IN PROGRESS

(i) A Study of Rural Financial Institutions In Nigeria to determine their sustainability, relevance and needed adaptation measures.

(ii) A Study of Informal Capital Markets (Indigenous Savings and Credit Mechanisms) in different parts of Nigeria.

(iii) Further Analysis of the Problem of Nigeria’s Maladapted Banking/ Financial System and Financial Markets, And Required Strategy For Their Repositioning For Nigeria’s Industrial Development.

(iv) A Study of the Financial Implication of the Operations of Transnational Corporations in Developing Countries.

(v) A Study of "The Problems of Globalisation in Trade & Finance for Developing Countries And Desired Approaches – Regional Cooperation In Trade And Economic & Financial Integration.

14. DISSERTATIONS AND THESES SUPERVISED AND ASSESSED

(i) Supervision of MBA and M.Sc./Ph.D (Finance) Students for over 30 years.(ii) Some Ph.D Theses Supervised

1. "Exchange Rate Determination In Less-Developed Countries: A Comparative Experience of Nigeria, Ghana And Gambia" By John Adebayo OLOYEDE at the Department of Finance University of Lagos, Completed in June 1998.

2. “Demand For Money In A Developing Economy: A Micro-Economic Approach”, by Andrew S.O. ELUENI, Ph.D. Economics at St. Clemens University, British West Indies Nov. 2001.

3. Rufus Ayodeji Olowe, “Public Information And The Efficiency of the Nigerian Stock Market”Ph.D Thesis at University of Lagos, 1994.

4. Fola Rufai-Odebunmi, “Mortgage Financing In Nigeria: Pattern And Performance of Selected Institutions, Ph.D Thesis started at University of Lagos.

SOME Ph.D THESES CO-SUPERVISED AND ASSESSED

1. Nnanu Ogbenyeanu Chukudebohu “Selection Criteria For Commercial Bank Loans In Nigeria”, Ph.D Thesis at University of Nigeria, Nsukka, 1986.

2. Ugochukuwu Chukwudozie Nzewi, “Commercial Banks In The Finance of Agricultural Production In Nigeria: An Evaluation” , Ph.D Thesis at University of Nigeria, Nsukka, 1984.

3. Sheriffdeen Adewale Tella, “Evaluating The Efficiency of Monetary Policy In a Monetary Unioin: The Case of Franco-phone West African Countries Ph.D Thesis at University of Ibadan, 1995.

4. Moshood Lanrewaju Massar, “A Study of The Nigerian Bank For Commerce And Industry In The Financing of Small-Scale Industries In Nigeria” Ph.D Thesis at Obafemi Awolowo University, Ile-Ife, 1991.

5. James Afolabi Familoni, “Management of Alternative Sources of Funding Tertiary Institutions In Nigeria…” Ph.D Thesis at Federal University of Technology, Akure, 1998.

6. Sunday Ikechukwu Owualah, “Commercial Bank Portfolio Behaviour And The

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Supply of Small Business Loans In Nigeria”, Ph.D thesis at Ritsumeikan University, Kyoto, Japan.

7. Adeyemi A. Fajungbesi, “Credit Rationing In The Nigeria’s Commercial Loan Market” Ph.D Thesis at University of Lagos 1998.

(ii) Chairman of Faculty of Business Administration Library Committee (1980 - 1984).

(iii) Visiting Professor & Member of University Senate at the Ondo State University, Ado-Ekiti (While on Sabbatical Leave in 1985).

(iv) Member of the Academic Programme Evaluation Committee at the Ondo State University, April/May 1986.

(v) Visiting Professor at the University of Bayreuth, Germany in July 1990, October - November 1991 & July - August 1996.

(v) Member of the Management Sciences Sub-Committee of The National Universities Commission (NUC), as from July 1992.

OTHER RECENTLY CONFERENCES ATTENDED

1. July 14 – 16, 2008, presented paper at the 4th International Entrepreneurship Conference titled: “Partnering and Strategic Alliances Approach to SME Entrepreneurial Development”, at the United States International University Centre for Excellence in Entrepreneurship Development (CEED), Nairobi, Kenya.

2. April 22 & 23, 2008, presented Lead Paper titled: “The Financial Sector And Nigeria’s Development Dilemma: Challenge for Vision 2020”, At The 2nd Annual Conference on “Road Map To Vision 2020, Economic and Financial Perspectives”, organized by the Department of Finance, University of Lagos.

3. Nov. 20 – 23, 2007, presented Lead Paper titled: “Management of Foreign Exchange Resources For Sustainable Economic Development: The Nigerian Case”, at the 3rd Annual National Conference of the Nigerian Society for Financial Research, at Adekunle Ajasin University, Akungba, Akoko, Ondo State.

15. UNIVERSITY ADMINISTRATION EXPERIENCE

(i) Acting Head, Department of Finance, University of Lagos (August 1981 to July 1984).

(ii) Head of Department of Finance, University of Lagos - As from March 1987 to December 1988.

(iii) Acting Dean, Faculty of Business Administration, University of Lagos (September 1984 and March/April, 1986).

(iv) Acting Dean, Faculty of Social Science, Ondo State University (February - May 1985).

(v) Dean, Faculty of Business Administration, University of Lagos - As from August 1, 1988 to July 31, 1992 & From October 1994 to July 1995.

(vi) Director of Correspondence and Open Studies Institute (COSIT), University of Lagos, As

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From August 1995 to 1997.

(vii) Director of Distance Learning Institute (DLI), University of Lagos, From 1998 to 2001.

(viii) Dean, College of Business and Social Sciences, Covenant University, Canaanland, Ota.

16. OTHER RELEVANT POSITIONS OF RESPONSIBILITIES(i) Chairman of Board of Governors of Ikogosi High School, Ikogosi - Ekiti - From August 1984

to 1994.

(ii) Chairman of Committees and Panels at the Ondo State University (1985).(a) Board of Survey.(b) Ad-Hoc Committee on Guest Houses and Guest Houses Implementation

Committee.(c) Committee on Cafeteria Services for the Mini-Campus.(d) Staff Audit Panel.

(iii) Chairman of Auto-Workshop Review Committee at the University of Lagos, 1987/88.

(iv) Chairman of Tenders Dispute Panel at the University of Lagos, 1989/90.

(v) Chairman of Public Affairs Committee to Enhance Resource Mobilisation at University of Lagos, from 1991 to 1995.

(vi) Head of Planning And Research Department, Continental Merchant Bank Plc, (1993).

(vii) Chairman, Budgetary Review Panel at the University of Lagos, June/July, 1995.

(viii) Chairman, Minor Contracts Committee, University of Lagos, 1997.

(ix) University Community Representative On the National Executive Council of The Chartered Institute of Bankers of Nigeria, for the term years 2002 – 2004.

(x) Chairman, Centre for Wealth Creation, Covenant University, Canaanland, Ota

AT COVENANT UNIVERSITY

TEACHING AND SUPERVISION

(i) Teaching of students at both Undergraduate and Postgraduate levels.(ii) Supervision of students’ projects at undergraduate level, Dissertation for M.Sc. candidates,

and Proposals/Theses for M.Phil/Ph.D candidates.(iii) Ph.D Candidates Being Supervised

O. A. Ikpefan in Banking and Finance, on “Bank Capitalization And Performance: An Empirical Study of Nigeria”. (As Main Supervisor)

K. A. Adetiloye in Banking and Finance, on “An Analysis of The Economic Effects of Capital Flight In Nigeria”. (As Main Supervisor)

A. Umoren in Accounting, on “Disclosure Practices In Nigerian Listed Companies” (As Co-Supervisor).

ADMINISTRATIVE/LEADERSHIP RESPONSIBILITIES Head of Department of Banking and Finance – from September 2004 to-date Ag. Head, Department of Accounting – July – October 2007.

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Dean, College of Business and Social Sciences, - February 2005 to September 2006 Chairman, Centre for Wealth Creation – 2004/2005. Chairman, Centre for Entrepreneurship Development Studies, from 2006 to-date. Chairman, Students Work Study Programme – from 2005 to-date Chairman, Senate Business Committee from 2006 to-date. Chairman, Quality And Academic Standards Committee from October, 2007. Chairman, Ad-Hoc Committee (Task Force) to Restructure And Package Postgraduate

Programmes for NUC Approval. Member, Postgraduate Committee from August 2007 Member, Committee on Publication of Lectures on Idea of University October, 2007.

17. PART-TIME BOARD OF DIRECTORS MEMBERSHIP

(i) Liz-Olofin & Co. Plc. 1990 - 1993.

(ii) Criterion Finance Ltd. As from 1989 - 1993.

18. OTHER ACTIVITIES OF NATIONAL IMPORTANCE(i) Assisted in setting up the Banking & Finance Programme at the Ondo State University in

1985, as well as initiating successful moves to secure endowment grant to fund the programme.

(ii) As a member of the Economic Advisory Council for Ondo State of Nigeria in 1979, I made some contributions towards the preparation of the financial aspects of the Fourth National Development Plan and some other financial issues in Ondo State.

(iii) Contribution to the country's Manpower Development in Banking - as Examiner for the Chartered Institute of Bankers' Banking Diploma Examination since 1977, including participation in designing the course contents of the Banking Diploma, and as Chief Examiner 1983-92.

(iv) Accreditation of University Academic Programmes for The National Universities Commission (NUC) in Nigerian Universities

(a) Chairman of the NUC Accreditation Panel for Business, Banking and Finance Programmes at the Rivers State University of Science and Technology, December 17-21, 1990.

(b) Chairman of NUC Accreditation Exercise in Banking & Finance at Ogun State University, November 13 - 16, 1995.

(c) Chairman of The Accreditation Panel Appointed by the National Universities Commission (NUC) to accredit Academic Programmes in Accounting, Business Administration and Finance in 7 Universities in the Eastern Zone of Nigeria in February 1999.

(d) Chairman of NUC Accreditation Panel To Accredit The Academic Programmes of 3 Private Universities in Accounting, Business And Finance & Banking in March/April, 2004.

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(v) External Examiner for:(a) University of Calabar,

Department of Management Studies,(1982-1984: & 1988-1991).Department of Accounting, Banking & Finance, 1997-1999.

(b) University of NigeriaDepartment of Finance(1984-86 & 1988; 1998/99)

(c) University of IbadanDepartment of Economics(for M.Sc. Banking & Finance Programme)(1983-1984, 1988-1990 & 1992/93).

(d) University of Port-HarcourtDepartment of Finance(1985-1988)

(e) Federal University of Technology, Yola, (1988).

(f) University of Maiduguri(1989/90-91, 1993/94, & 1997/98).

(g) University of Ilorin(1990/91-93, 1997-1999)

(h) Ahmadu Bello UniversityZaria, (1991/92 - 1994).

(i) Department of FinanceNational University of Science & Technology,BulawayoZimbabwe, (1999 – 2001)

(vi) Member of the Ondo State Committee on Ways and Means to Generate Revenue, appointed by the Ondo State Military Government in January, 1989.

(viii) Member of Investigation Panel Set Up by Odu'a Investment Company Ltd. to Investigate & Turn-Around The Affairs of the Lagos Airport Hotel Ltd., April 1990.

(ix) Resource Person/Consultant to Natural Resources Conservation Council, Abuja -In serving as Resource Person at The Workshop on, and editing works for publication on: "Mobilizing Finance for Natural Resources Conservation in Nigeria, 1991/1992.

(x) Resource Person/Consultant in Banking & Finance to the Presidential advisory Committee (PAC), Presidency, Abuja, As from September 1994.

(xi) Referee for:

(a) Nigerian Journal of Economic and Social Studies.

(b) West African Economic Journal, and

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(c) Nigerian Journal of Management Studies

(d) Nigerian Management Review.

(xii) Member of the Research and Advisory Committee of the Nigerian Institute of Bankers, from 1986 to date.

(xiii) Member of Executive of the Chartered Institute of Bankers of Nigeria, Lagos Branch, as from 1988 to date.

(xiv) President of the Nigeria Finance Association, as from 1987 - January 1994.

19. OTHER ACTIVITIES OF INTERNATIONAL IMPORTANCE

(i) Member of International Group of Experts on "External Debt and Development", organised by the UN Development Program and World Scientific Banking Council, Belgrade in 1990.

(ii) Resource Person/Consultant to UN Centre for Human Settlements (HABITAT), for International Workshop on "Integration of Housing Finance System sin Developing Countries", held in Goa India, June 10-14, 1991.

(iii) Appointment as Senior International Money and Finance Analyst with the Research Division, OPEC in Vienna, July 1978 to September 1980.

(iv) Consultant to World Bank in an Assessment Study of Nigeria's Rural Financial Institutions, 1996/97.

20. MAIN AREAS OF RESEARCH/CONSULTING INTERESTS

(i) Public Sector Financing Requirements & Choice of Appropriate Financial Techniques in Nigeria.

(ii) Accounting & Financial Control Problems and Management of Business Enterprises.

(iii) Multinational Business Operations and Their Financial Role in Developing Countries.

(iv) Development of Informal/Indigenous Financial Mechanisms to Promote Rural & Economic Development.

(v) Domestic and International Monetary and Banking Developments.

(vi) Resource Person/Consultant to UN Centre for Human Settlements (HABITAT), for International Workshop on "Integration of Housing Finance Systems in Developing Countries", held in Goa India, June 10-14, 1991.

(vii) Consultant to the Central Bank of Nigeria to study and recommend on Revitalising Community Banks For Promotion of Rural Savings & Provision of Finance to Micro, Small & Medium Enterprises – Jan - Feb. 2000.

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(viii) Consultant to World Bank in an Assessment study through a countrywide survey and operational analysis of Nigeria's Rural Financial Institutions, 1996/97. The Assessment Survey Report, published in 1999, examines the level of out-reach and prospects for long-term sustainability of the established financial institutions in the delivery of credit to the rural enterprises that are essentially of Micro, Small and Medium groups. These enterprises were found to be largely neglected and unassisted by banks and other financial institutions in the country, with community banks found to be best placed and willing to finance them.

(ix) Consultant to community banks in Lagos State to advise on their effective management and operation over the years, as recognized by the Lagos State Association of Community Banks in Dec. 2001 by a Merit Award.

21. PRESENT STATUS

Professor of Banking & Finance.

22. REFEREES:

1. Prof. J. F. AkingbadeFaculty of Business AdministrationUniversity of Lagos.

2. Prof. B.O. OgundeleDepartment of AccountingUniversity of Lagos

3. Rev. (Dr.) S. Ademola IsholaGeneral Secretary of the Nigerian Baptist ConventionBaptist Building, Oke-BolaIbadan

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