EFFECT OF BANK CHARGES ON CUSTOMER SAVING CULTURE A CASE STUDY OF UNION BANK PLC
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Abstract
This research work assess the effect of bank charges on saving culture a case study of union bank Enugu. On this research work we determine the relationships between banks and their clients suggest that there are many factors that are at play in determining the relationship between banks and their clients. Thus the following objectives were formulated to ascertain those factors that affect bank savings in Nigeria, to identify the various irregular bank charges made by commercial banks in Nigeria and to determine the effect of these charges on saving savings culture of banks customers, using Union bank PLC as a case study. With thinning interest margins due to increased competition at global level banks have resorted to another source of income, bank charges in a bid it improve on shareholder return on investment. This has resulted in banks loosing patronage to and the immergence of non-banking sector financial institutions. In the context of Nigeria Banks with Union bank as the case study, this has led to non-banking sector financial institutions (NBFIs) being observed as offering alternative banking avenues thus competing with banks in the provision of financial services. It is against this background that this research study has investigated whether bank charges are a key determinant to the bank/client relationship in Nigeria. Results derived from the study based on regression analysis indicate no significant association between bank charges and bank/client relationship thus suggesting that bank charges are not a significant threat to banks/client relationship and therefore not a threat to the relationship between banks and their clients in context of the Union bank plc. Enugu.
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