“Commercial banks are generally cruised over its ‘zero risk -behavior attitude’ in the lending business. However, evidence suggests that during economic turmoil, banks too seek help from central bank and government”. Business operation efficiency and profitability are not admirable’. Discuss the validity of the statement based on findings from published journals. (Note: Any discussion with evidence from recent academic journals that citing relationship of commercial bank’s operational efficiency – risk behavior – profitability is accepted).