Abstract     The need for this study being the impact of new product in commercial banks was to determine the rate at which the introduction of this product is helping the economic development and growth in the banking industry in terms of employment, income, staff utilization and technology and to serve as an advisory piece to proprietors of commercial banks as to know how this product can be run to the benefit of the customers who patronize such product. Chapter one talks about the introduction, background of the study, objectives of study, scope of the study, statement of the hypothesis significance of the study limitation of the study and definition of terms. Chapter two embraces literature review, historical background of commercial banking operations in Nigeria, new product development as a business strategy, the nature and structure of commercial banks new product. Chapter three talks about research methodology and sources of data. Chapter four is all about presentation and analysis of data and testing of hypothesis. Chapter five is all about the summary, conclusion and recommendation on the topic written. Finally suggestions were made to the bank on how they should establish a good management team for proper co-ordination and marketing of such products

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