This paper investigates supply-side fraud elasticities of financial intermediation. Three rationales that make intermediation inevitable in modern economics were identified as dependent variables: reduction of transaction cost, transformation of risk, and transformation of liquidity. They were represented by operating cost, valueat-risk, and liquidity ratio, respectively. The independent variables stated in monetary value are unauthorized loans, theft & robbery, and fraudulent withdrawal. These variables were preferred after detailed literature review in the area. Three OLS-type multiple regression models were formulated to estimate the values of the dependent variables and the coefficients of the independent variables. Stationarity test, co-integration test, and Granger causality test were conducted for purposes of ensuring reliability of the time series data collected from NDIC, CBN and NBS in respect of the variables listed above. F-test and t-test were conducted to ascertain the statistical significance of the results. The coefficients of the independent variables were then used to evaluate the dependent variables on account of their responsiveness to changes in bank fraud. It was found that financial intermediation is inelastic to bank fraud. It was concluded that as a result of the minute elasticity, financial intermediation cannot be threatened by fraud but incidence of fraud is a signal for intermediaries and regulators to be alive to the responsibilities.

The study was carried out to investigate banks’ corporate governance practices and how they affect service patronage, how corporate image influences patronage and performance of banks. The study focused on selected banks in Port Harcourt, Rivers State. A descriptive research design was used in the conduct of the research since it enables data required for the study to be obtained and interpretation to be based on the data obtained. Primary data formed the nucleus of the data used for the research. Data analysis was initially done using tables and simple percentages and hypotheses postulated were tested using the chi-square analytical technique. Based on the data collected, it was found that corporate governance has a significant influence on the patronage of banking services hence banks’ performance. Some of the recommendations made include; banks should enthrone good corporate governance practices to promote the patronage of banking services for long run profitability and should strive hard to put in place internal control mechanism that will promote customer loyalty and sustained patronage of services.