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fed back to the relevant business units to avoid reoccurrence. Customers’ complaints metrics are analysed and reports presented to Executive Management and the Operational Risk Management
                        The ‘Resolve or Refer’ Command Centre serves to encourage timely service delivery and first time resolution of customer issues. The Command Centre is manned by a senior management staff
                                  We diligently track complaint information for continuous improvement of our processes and services. An independent review of the root cause of complaints is carried out and lessons learnt are
                                                        AMOUNT REFUNDED (NAIRA)  2016  2017   -      -      -      -      3,058,341,677   106,889,998    -      -      -      -     AMOUNT REFUNDED (USD)  2016  2017   -      -      -      -      118,688    -    -      -      -      -





                          with mandate to ensure that most customer issues are resolved same day. It provides support to all departments and branches on the resolution of customers’ complaints.
                                               CUSTOMERS’ COMPLAINTS REPORT FOR THE YEAR ENDED DECEMBER 31, 2017





                                                           2016   623,867,921    31,382,190,881    30,772,621,392    -      1,233,437,410   2016   -      69,878,941    68,184,828    -      1,694,114
                                                        AMOUNT CLAIMED (NAIRA)  2017   1,233,437,410    26,168,583,765    27,229,511,381    -      172,509,794   AMOUNT CLAIMED (USD)  2017   1,694,114    91,096,663    90,365,863    -      2,424,914

















                                                        NUMBER OF COMPLAINTS  2016  2017   132,396    8,658    204,773    285,737    328,511    285,842    -      -      8,658    8,553   NUMBER OF COMPLAINTS  2016  2017   116   78   1,618   1,609   1,656   1,637   -      -      78    50
































                 is provided to the customer.   Resolve or Refer Command Centre   Complaints tracking and reporting  Committee. Reports on customers’ complaints are also sent to the Central Bank of Nigeria as required.  NAIRA  DESCRIPTION  Pending compliants B/F  Received complaints  Resolved complaints Unresolved complaints escalated to Central Bank of Nigeria   for intervention Unresolved complaints pending with the Bank C/F  USD  DESCRIPTION  Pending compliants B/F  Re








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