Does non-interest income make African banks more risky?

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Traces of the changing structure of banking activities around the globe in recent years have spurred research into the phenomenon. This is due to concerns for the stability of banking operations, which is of grave importance to economies, given that banks play very significant roles in the financial systems of global economies. Studies into stability and bank risks are not made in isolation, but take into consideration factors such as the size of banks, liquidity and banking earning activities from both retail and investment activities. This study try to provide an African perspective of the ongoing studies by examining which of the operational banking activities exposes African banks to more risks; the retail or investment banking activities.


Lawrence Ansah-Addo


While central banks are figuring out whether to ring-fence retail and investment banking activities in Africa, the universal banking model seems to be on the rise. Allowing banks to diversify their earnings. What this book examine is whether the diversification has positive or adverse effects on the risk-taking activities of banks.

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Publishing House:

LAP LAMBERT Academic Publishing


Non-Interest Income, risk, retail banking, investment, banks, Africa

Product category:

BUSINESS & ECONOMICS / Banks & Banking