iarjbmIARJBMIARJBM2708-5147https://doi.org/10.47310/iarjbm.2021.v02i01.054Human Capital Development, Customers’ Satisfaction and Retention in Commercial Banks in NigeriaPatrickOLOGBENLAObafemi Awolwo University, NigeriaThe study investigates the impacts of human capital development on both customers’ satisfaction and retention in the Nigerian banking industry. A survey of 76   and 182 respondents   were selected for both staff and customers respectively of some first and second generation banks in Nigeria. Well-Structured questionnaires were used to elicit information from the respondents. Both descriptive and inferential statistics were applied and the results show that human capital development have significant impacts on both customers’ satisfaction and retention in the Nigerian banking industry. Thus, dismissing the conclusion of some authors that bank loyalty and fear of insolvency might not allow some customers to move to other banks despite being unsatisfied with the services rendered by their present banks due to poor human capital development.