This Study focuses on business banking with a specific segment targeted shop owners who rarely act as a catalystfor sustainingandgrowingtheirbankingrelationship.Typically,holdingaccounts fordailybanking of funds transfer is needed for shop retailers to manage their capital.The main concern of this study is to test the impact of reputational risk and the influence of Quality, Satisfaction on the loyalty of retail shop owners in the Chennai region concerning private banks. The method of Study applied is Probability sampling with a purposive samplingtechnique. The Study is done with primary data collection with a sample size of 210 respondents, especially the retail shop owners. The data analysis is done with the SEM methodwith the tool SmartPLS 4 software to test the significance of the variable interrelationships and their impact. The Study determines the lackluster attitude of bankers towards sustaining qualityservice and maintaining existing business banking customers to turn around for a short period.

Reliability, Banking Business, Loyalty, Service Quality, Customer Satisfaction