Competition and Efficiency in Banking; Behavioral Evidence From Ghana

This paper assesses the degree of bank competition and discusses efficiency with regard to banks' financial intermediation in Ghana. By applying panel data to variables derived from a theoretical model, we find evidence for a noncompetitive market structure in the Ghanaian banking system, which may be hampering financial intermediation. We argue that the structure, as well as the other market characteristics, constitutes an indirect barrier to entry thereby shielding the large profits in the Ghanaian banking system.

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Year of publication:	2005-01-01
Authors:	Mathisen, Johan ; Buchs, Thierry D.
Institutions:	International Monetary Fund (IMF)
Subject:	Economic models \| banking \| competition \| banking sector \| banking system \| banking industry \| state owned bank \| return on assets \| monopolistic competition \| bank competition \| banking systems \| reserve ratio \| monopoly \| degree of competition \| banks ? loan \| foreign exchange \| corporate banking \| barrier to entry \| market concentration \| bank for international settlements \| monopolistic structure \| bank profitability \| limited competition \| perfect competition \| capital adequacy \| bank policy \| bank branches \| bank lending \| bank share \| return on equity \| nonperforming loan \| banking services \| banking business \| bank balance sheets \| minimum capital standard \| banking markets \| banking structure \| bank loans \| bank regulation \| interest expense \| bank market \| automated teller \| macroeconomic stability \| bank assets \| demand deposit \| banking sectors \| capital adequacy ratio \| banking system assets \| small bank \| country comparison \| net interest margin \| bank branch \| banking institutions \| bank credit \| banking statistics \| loan classification \| bank structure \| banking infrastructure \| competitive structure \| bank deposits \| bank intermediation \| bank supervisors

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Extent:	application/pdf
Series:	IMF Working Papers.
Type of publication:	Book / Working Paper
Language:	English
Notes:	The text is part of a series IMF Working Papers Number 05/17 2 pages long
Source:	RePEc - Research Papers in Economics

Persistent link: https://www.econbiz.de/10005769091