M.Adeel Abid et al./ Elixir Fin. Mgmt. 112 (2017) 48908-48914 48908 1. Introduction Banks play an important role in financial markets as well as in a country economy growth. A bank is a monetary organization which manages deposit and progresses and other related administrations which include Agency and utility services. State bank of Pakistan is national bank of nation which regulates all, Private Banks, Government bank, foreign banks and Islamic bank which are working in Pakistan. Customer loyalty is critical to banks, carrier firms and taken into consideration to be the essence of success in these days’ fantastically aggressive banking enterprise. The cost of serving a steadfast client is five or six times not as much as that for another client. All the business banks in Pakistan offer a similar standard offices and administrations to their clients which are incorporated charge cards, MasterCard, voyagers checks, cash exchanges, individual credits, auto fund, VIP accounts, women records, minor and understudy's records, in addition to e-keeping money stages, for example, phone and PC managing an account which offer day in and day out access. But they have competitive edge in shape of service quality. At some stage in the beyond decade, the economic provider region has passed through exceptional changes, ensuing in a commercial center which is portrayed through extreme rivalry, little development in number one call for an extended deregulation.Grovement of Pakistan has privatized pretty some of banks which in addition increases the opposition and complexity a few of the bank. Due to heavy competition environment survival of the banks is really difficult with long term profitability. This should be possible both by upkeep or having new ones. This is possible only when banks have focus to attract new customers, but also they have taken the strategy of saving current customers and improve their loyalty against the organization by providing highly quality services on consistent basis. It enables them to fulfill their client by fulfill their present needs and also consider their future needs on consistent basis. By using this ability to anticipate customers’ needs it enhance customer satisfaction, as well as customer’s loyalty. (Gantasala &Prabhakar, 2010). The concept of customer’s loyalty has been rooted around a few years. it has come to be greater essential present process brisk exchange in banking area. Consumer loyalty is important vicinity to investigate in offerings look at .the essential problem for the ongoing success of a company is its potential to keep its cutting-edge clients and make them unswerving to its brands .a numbers of scholars within the field of consumer loyalty have tried to categories factors which could influence it. Various examinations have been done with observes to customer loyalty in the several sectors. There are numerous definitions of customer loyalty: Customer loyalty may be described because the practical behavior of clients to an employer or corporation. Purchaser loyalty states that even if agencies make minor errors or mistakes, client is nevertheless willing to do business with them or maintain members of the family. It have to be eminent but, that consumer loyalty has been taken into consideration for numerous a long time with the aid of marketer, but isn’t always a properly achieved observab le fact. In service industries, the focal point of provider satisfactory stays a vital one as administration vendors attempt to keep up a near benefit in commercial center. Monetary service mainly banks contend in market with usually undifferentiated products and services, accordingly carrier quality grow to be a key aggressive weapon. A banking organization can handiest took competitive benefit by means of offering excessive best of offerings. Inan environment which becomes increasingly globally competitive, service quality and bank reputation are important Tele: E-mail address: adeel.abid143@gmail.com © 2017 Elixir All rights reserved ARTICLE INFO Article history: Received: 29 July 2017; Received in revised form: 24 October 2017; Accepted: 4 November 2017; Keywords Banking sector, Customer loyalty, Customer satisfaction, Service quality, Bank reputation. Determinants of Customer Loyalty in Banking Sectors of Pakistan: Empirical Evidence From Narowal City M.Adeel Abid, AqsaParveen, Mehwish Shehzadi and Tayyeba Iqbal Department of Management Sciences, University of Gujarat Sub-campus Narowal. ABSTRACT This research paper is examined to find out the relationship between customer loyalty, service quality, Bank reputation and customer satisfaction in the Pakistan banking industry. This research paper uses administrative questionnaire. The variable include in this paper are customer loyalty as dependent variable and customer satisfaction, bank reputation and service quality as independent variable. The questionnaire includes 9 items of service quality, 5 items of bank reputation, 5 items of customer satisfaction and 5 items of customer loyalty. A sample size of 50 respondents is conducted in Narowal cities, Pakistan. A regression analysis is performed to study the impact of banking service quality on customer satisfaction in Pakistan banking industry. The findings from regression analysis suggest that banking services quality significantly influenced by customer loyalty. . In addition, the results from linear regressions analysis show that the Tangible dimension has the largest influence on customer loyalty. © 2017 Elixir All rights reserved. Elixir Fin. Mgmt. 112 (2017) 48908-48914 Finance Management Available online at www.elixirpublishers.com (Elixir International Journal)