*  *  Protocol  Distinguish Ladies and Gentlemen, let me begin by thanking the organizers for honouring me with this invitation.
First of all, I must thank the Vice-Chancellor, the Senate and Council of the Abubakar Tafawa Balewa University (ATBU) for this wonderful privilege and for inviting me to give this lecture titled “Global Financial Meltdown and Reforms in the Nigerian Banking Sector”. I am aware that the highly regarded ATBU Public Lecture Series focuses on developments on topical issues in our nation.