Bank Efficiency in Sub-Saharan African Middle Income Countries - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Bank Efficiency in Sub-Saharan African Middle Income Countries write by Chuling Chen. This book was released on 2009-01-01. Bank Efficiency in Sub-Saharan African Middle Income Countries available in PDF, EPUB and Kindle. We use bank level data to study the efficiency of banks in Sub-Saharan African middle-income countries and provide possible explanations for the difference in the efficiency levels of banks. We find that banks, on average, could save 20-30 percent of their total costs if they were operating efficiently, and that foreign banks are more efficient than public banks and domestic private banks. Among the factors that could affect the efficiency levels are macroeconomic stability, depth of financial development, the degree of market competition, strong legal rights and contract laws, and better governance, including political stability and government effectiveness. Our findings point to the importance of policies that aim to build stronger institutions, promote more competition, and improve governance.
Banking Efficiency and Financial Development in Sub-Saharan Africa
Banking Efficiency and Financial Development in Sub-Saharan Africa - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Banking Efficiency and Financial Development in Sub-Saharan Africa write by Sandrine Kablan. This book was released on 2010-06-01. Banking Efficiency and Financial Development in Sub-Saharan Africa available in PDF, EPUB and Kindle. This study assesses the determinants of banking system efficiency in sub-Saharan Africa (SSA) and asks what, besides the degree of efficiency, explains the low level of financial development in the region. It uses stochastic frontier analysis to measure efficiency and a generalized method of moments system to explain financial development. SSA banks are found to be generally cost-efficient, but nonperforming loans undermine efficiency, which suggests that improvement in the regulatory and credit environments should improve efficiency. The political and the economic environment have held back financial development in SSA.
Benchmarking Banking Sector Efficiency Across Regional Blocks in Sub-Saharan Africa
Benchmarking Banking Sector Efficiency Across Regional Blocks in Sub-Saharan Africa - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Benchmarking Banking Sector Efficiency Across Regional Blocks in Sub-Saharan Africa write by Mr.Francois Boutin-Dufresne. This book was released on 2013-02-26. Benchmarking Banking Sector Efficiency Across Regional Blocks in Sub-Saharan Africa available in PDF, EPUB and Kindle. This paper examines the determinants of net interest margins in four regional blocks in Sub-Saharan Africa and one comparator block in the Eastern Caribbean. Using bank-level data, we find that countries with a high level of operating costs, a high ratio of equity to total assets and high treasury bill interest rates have higher net interest margins. Moreover, high operating costs are associated with low measures of institutional quality and a small size of bank operations. We find support for the view that market structure is also partly responsible for high net interest margins in Sub-Saharan Africa. If interpreted causally, high operating costs and a high ratio of equity to total assets and, indirectly, institutional factors such as the rule of law, are the most important factors in accounting for high interest margins in the East African Community, relative to other regions.
Sub-Saharan Africa
Sub-Saharan Africa - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Sub-Saharan Africa write by Ms.Catherine A. Pattillo. This book was released on 2006-08-28. Sub-Saharan Africa available in PDF, EPUB and Kindle. Financial sectors in low-income sub-Saharan Africa (SSA) are among the world's least developed. In fact, assets in most low-income African countries are smaller than those held by a single medium-sized bank in an industrial country. The absence of deep, efficient financial markets seriously challenges policy making, hinders poverty alleviation, and constrains growth. This book argues that building efficient and sound financial sectors in SSA countries will improve Africa's economic prospects. Based on a review of the key features of financial systems, it discusses the main obstacles and challenges that financial structures pose for SSA economies and recommends steps that could address major shortcomings in implementing the reform agenda.
Making Finance Work for Africa
Making Finance Work for Africa - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Making Finance Work for Africa write by Patrick Honohan. This book was released on 2007. Making Finance Work for Africa available in PDF, EPUB and Kindle. Drawing on its extensive experience in helping restructure and reform financial systems, the World Bank examines the state of African domestic financial systems in a global comparison. It identifies promising trends as well as pinpointing the major shortcomings that are observed across sub-Saharan Africa. Policy recommendations distinguish between those designed to make finance a more effective driver of economic growth and those designed to give low income, small-scale and other excluded groups better access to financial services.
