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150128 ||| eng |
| 020 |
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|a 9781475551136
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| 100 |
1 |
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|a Ahokpossi, Calixte
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| 245 |
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0 |
|a Determinants of Bank Interest Margins in Sub-Saharan Africa
|c Calixte Ahokpossi
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| 260 |
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|a Washington, D.C.
|b International Monetary Fund
|c 2013
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| 300 |
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|a 21 pages
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| 651 |
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4 |
|a United States
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| 653 |
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|a Micro Finance Institutions
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| 653 |
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|a Commercial banks
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| 653 |
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|a Goodwill
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| 653 |
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|a Financial services law & regulation
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| 653 |
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|a Financial risk management
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| 653 |
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|a Banks and banking, Foreign
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| 653 |
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|a State-owned banks
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| 653 |
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|a Depository Institutions
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| 653 |
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|a Value of Firms
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| 653 |
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|a Banking
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| 653 |
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|a Capital and Ownership Structure
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| 653 |
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|a Foreign banks
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| 653 |
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|a Financing Policy
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| 653 |
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|a Banks
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| 653 |
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|a Mortgages
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| 653 |
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|a Financial regulation and supervision
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| 653 |
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|a Financial Markets and the Macroeconomy
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| 653 |
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|a Credit risk
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| 653 |
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|a Banks and banking
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| 653 |
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|a Liquidity risk
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| 653 |
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|a Financial Risk and Risk Management
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| 653 |
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|a Financial institutions
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| 653 |
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|a Banks and Banking
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| 041 |
0 |
7 |
|a eng
|2 ISO 639-2
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| 989 |
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|b IMF
|a International Monetary Fund
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| 490 |
0 |
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|a IMF Working Papers
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| 028 |
5 |
0 |
|a 10.5089/9781475551136.001
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| 856 |
4 |
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|u https://elibrary.imf.org/view/journals/001/2013/034/001.2013.issue-034-en.xml?cid=40289-com-dsp-marc
|x Verlag
|3 Volltext
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| 082 |
0 |
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|a 330
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| 520 |
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|a Financial intermediation is low in sub-Saharan Africa (SSA) compared to other regions of the world. This paper examines the determinants of bank interest margins using a sample of 456 banks in 41 SSA countries. The results show that market concentration is positively associated with interest margins, but the impact depends on the level of efficiency of each bank. In particular, compared to inefficient banks, efficient ones increase their margins more in concentrated markets. This indicates that policies that promote competition and reduce market concentration would help lower interest margins in SSA. The results also show that bank-specific factors such as credit risk, liquidity risk, and bank equity are important determinants of interest margins. Finally, interest margins are sensitive to inflation, but not to economic growth or public or foreign ownership. There are regional differences within SSA regarding the level of interest margins even after controlling for other factors
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