Today banks are among the pillars of the economy and government runs economical and financial policies of country through these centers. Nowadays, diverse and sophisticated customer requirements have led banks to expand the scope of activities. However, the financial crises that have occurred throughout history, banks have a direct connection with the activities causing negative economic impact on the country. "Universal banking" is a term used in financial institutions and presents large-scale motions in the field of banking services to the customers, including: commercial banking, corporate banking, investment banking and etc. The review of previous experience in dealing with financial crises, we can say that the use of universal banking capabilities makes extensive benefits including: Financial crisis management, recreating the business models, financing in various sectors, moving to the effective management of relationships with customers, avoid the cost double and consequently move towards ensuring profitability and ultimately create more social welfare by improving the economic indicators. Keywords: Universal Banking, Crisis, Financial, Economy, Country