In human and material, the subject matter “the relevance of strategic management in the competitive banking environment” is aimed at helping a lot to both employer i.e the banking an the employee i.e. the staff in bank. And it also help the government in threats for rural polley of banking habits. And it also the government in threats for rural polley of banking habit. The banking employee should be committed to their duty there is the need for the bank manager to diseased it present defensive strategy and adoptive strategic planning approach to the management. The government in threats of rural banking policy should prove the adequate infrastructure into the rural areas before forcing the bank to establish its branch in the areas. The federal government should provide an incentive from of subsidy for the banks who want to open its banking in the rural areas, was to assist the bank and encourage them to open more branches in the rural areas.