The impact of risk management on profitability of gt bank

Abstract

In the modern banking industry, risk management has emerged as a cornerstone of financial performance and institutional sustainability. For commercial banks such as Guaranty Trust Bank (GT Bank), effectively identifying, assessing, and mitigating financial risks is no longer a peripheral function but a strategic imperative. With the volatile nature of global markets, regulatory reforms, and dynamic customer behaviors, the ability to manage risk efficiently determines not only the stability of operations but also the profitability and competitive advantage of the bank. This study focuses on the critical relationship between risk management practices and the profitability of GT Bank, one of Nigeria's leading financial institutions known for its innovative banking solutions and robust financial performance.