Topaz Bank Plc which is considered a too big to fail bank is currently facing a rising rate of non$-$performing loans $($NPL$).$ The management of the bank met to find strategies to minimise this problem. What two $(2)$ reasons could be the cause for this growing rate of NPLs and what three $(3)$ strategies can be adopted to manage the associated risk? Why is it important for the regulator to ensure that Topaz Bank$$s NPL issues are resolved as a matter of urgency? Topaz Bank requires cash to meet its liquidity needs. The bank has significant holdings of Government of Ghana treasury bills and other short term securities$.$ The bank is considering its options given that this need for liquidity will run into a little over a month. Victoire Bank Plc has significant cash holdings and would like to earn some return on part of these holdings. Victoire Bank however, will need this cash in a few days to honour some payments to its contributors. What options does Topaz have to meet its liquidity needs? Is there any way these two organisations can work together to solve each other's problem? Explain. If the Bank of Ghana were to do away with the required reserve regulation, do you think Topaz will stop holding reserves? Write a report on Topaz, addressing these issues