Topics for: Financial Risk and Profitability of Listed Deposit Money Banks in Nigeria

Focus on external and internal risks that erode bank profits. How do Market Risks (like inflation and exchange rate volatility) and Operational Risks (like fraud and failed internal systems) specifically affect the financial performance of listed Nigerian DMBs?

Explore the Liquidity Risk challenge: the need to keep enough cash to meet customer withdrawals (safety) versus the need to invest cash to earn profits (returns). How do Nigerian banks manage this delicate balance, and what strategies can ensure both financial stability and high profitability?

Discuss the impact of Credit Risk (the risk of borrowers defaulting on loans, leading to Non-Performing Loans - NPLs) on bank profitability. Is accepting more risk necessary for higher profit, or does poor credit management ultimately destroy earnings in Nigerian DMBs?