Does non-interest income make African banks more risky?

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.