experiences and loyalty with the bank. It can be observed from the results that there is some level of customer loyalty since some of the variables scored approximately 4 which represent ‘agree’. The area where there was clearer evidence of customer loyalty was where customers said they would say positive things about the bank. The variable which customers least agreed with in terms of customer loyalty was the statement that they would not defect to any other bank. A total (weighted average) of the mean scores of 3.45 indicate that the bank’s customers were loyal to the bank though not to very significant degree which calls for more effective management of relationships to enhance customer loyalty.