Write a research paper that explains how the performance of South African banks is affected by credit risk analysis.

Write a research paper that explains how the performance of South African banks is affected by credit risk analysis.Final product should be a research paper of 20pages. Research should follow research structure including, Introduction, Literature review, methodology, results and discussion, conclusion, and reference list according to Harvard reference style.

Only Secondary data should be used. Academic sources
5main banks in South Africa should be studied can be made a case study, especially the failure of African bank and make reference to the financial crisis that took place . 1/2 Graphs/tables/illustrations should be made use of. Honours level writing. Focus on mainly the negative impact but also include how credit risk being strictly controlled can affect bank profitability. No AI to be used