sovereign debt crisis have been driven mainly by weak growth prospects and heightened sovereign risk and to a lesser extent, by … deteriorating funding conditions and investor sentiment. While the equity return performance in the banking sector has been dismal …

, increasing savings, and providing alternative investment instruments suited to the every person by minimizing the risk of adverse … selection and moral hazard, allocating funds to most productive projects, risk diversification. Therefore, sound functioning of … on assets and equity, regulatory capital to risk-weighted assets, and noninterest income to total income affected …