ABSTRACT:- The study focused on business management ethics and customers’ retention in selected money-deposit bank in Delta and Edo States, Nigeria. Three research questionnaires were asked and three hypotheses were formulated to guide the study. In the methodology, the study employed descriptive research design to solicit the opinions of respondents. With a target population of 2,236 bank tenure staff, a sample size of 339 was obtained from Taro Yamane’s tool, using judgmental sample techniques. The instrument used to gather data, was structured questionnaire, validated by experts in the faculty of Management Sciences, which also tested for reliability at Cronbach alpha of 0.905, ensuring its appropriateness for the study. This instrument was then administered to 339 staff respondents from 10 money-deposit banks in Delta and Edo State but 233 were correctly completed and returned. The data obtained from the instrument were then subjected to subsequent analysis. Descriptive statistics with frequency and percentages were used to analyze the demography meanwhile, mean, and standard deviation were used to analyze the respondents’ rate of responses whereas linear regression analysis via Eview 9.0 v used to test the formulated hypotheses having done the normality test. The results revealed that there is no significant relationship between transparency and accountability on customers’ retention in money-deposit banks in Delta and Edo States Nigeria; there is no significant relationship between fair and responsible lending practices on customers’ retention in money-deposit banks in Delta and Edo states Nigeria and there is no significant relationship Corporate Social Responsibility (CSR) Initiatives influence on customers’ retention in money-deposit banks in Delta and Edo States Nigeria. Based on these findings, the study recommended among others, that priority to transparency and accountability should be communicated openly with customers and established systems to ensure responsible practices within the bank.

Keywords: Transparency, Accountability, Responsible lending and Customers’ Retention