1. DIVIDEND PAYOUT, RETENTION POLICY AND FINANCIAL PERFORMANCE IN COMMERCIAL BANKS: ANY CAUSAL RELATIONSHIP?. Authors: STEPHEN OSEKO MIGIRO, ODUNAYO MAGRET OLAREWAJU, MABUTHO SIBANDA.2. NON-PERFORMING LOANS, BANKING SYSTEM AND MACROECONOMY. Authors: AKINOLA MORAKINYO, COLETTE MULLER, MABUTHO SIBANDA.