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Nonperforming Loans In Sub Saharan Africa
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Book Synopsis Nonperforming Loans in Sub-Saharan Africa by : Hippolyte Fofack
Download or read book Nonperforming Loans in Sub-Saharan Africa written by Hippolyte Fofack and published by World Bank Publications. This book was released on 2005 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper investigates the leading causes of nonperforming loans during the economic and banking crises that affected a large number of countries in Sub-Saharan Africa in the 1990s. Empirical analysis shows a dramatic increase in these loans and extremely high credit risk, with significant differences between the CFA and non-CFA countries, and substantially higher financial costs for the latter sub-panel of countries. The results also highlight a strong causality between these loans and economic growth, real exchange rate appreciation, the real interest rate, net interest margins, and interbank loans consistent with the causality and econometric analysis, which reveal the significance of macroeconomic and microeconomic factors. The dramatic increase in these loans is largely driven by macroeconomic volatility and reflects the vulnerability of undiversified African economies, which remain heavily exposed to external shocks. Simulated results show that macroeconomic stability and economic growth are associated with a declining level of nonperforming loans; whereas adverse macroeconomic shocks coupled with higher cost of capital and lower interest margins are associated with a rising scope of nonperforming loans. These results are supported by long-term estimates of nonperforming loans derived from pseudo panel-based prediction models. "--World Bank web site.
Book Synopsis Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis by : Luc Eyraud
Download or read book Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis written by Luc Eyraud and published by International Monetary Fund. This book was released on 2021-06-08 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sub-Saharan African countries are facing an unprecedented health and economic crisis that is likely to severely hurt credit quality and raise non-performing loans from already high levels. Banks have a critical role to play not only during the crisis by providing temporarily relief to businesses and households, but also during the recovery by supporting economic activity and facilitating the structural transformations engaged by the pandemic.
Book Synopsis Nonperforming Loans in Sub-Saharan Africa by : Hippolyte L. Fofack
Download or read book Nonperforming Loans in Sub-Saharan Africa written by Hippolyte L. Fofack and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the leading causes of nonperforming loans during the economic and banking crises that affected a large number of countries in Sub-Saharan Africa in the 1990s. Empirical analysis shows a dramatic increase in these loans and extremely high credit risk, with significant differences between the CFA and non-CFA countries, and substantially higher financial costs for the latter sub-panel of countries. The results also highlight a strong causality between these loans and economic growth, real exchange rate appreciation, the real interest rate, net interest margins, and interbank loans consistent with the causality and econometric analysis, which reveal the significance of macroeconomic and microeconomic factors. The dramatic increase in these loans is largely driven by macroeconomic volatility and reflects the vulnerability of undiversified African economies, which remain heavily exposed to external shocks. Simulated results show that macroeconomic stability and economic growth are associated with a declining level of nonperforming loans; whereas adverse macroeconomic shocks coupled with higher cost of capital and lower interest margins are associated with a rising scope of nonperforming loans. These results are supported by long-term estimates of nonperforming loans derived from pseudo panel-based prediction models.
Book Synopsis How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework by : Irina Bunda
Download or read book How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework written by Irina Bunda and published by International Monetary Fund. This book was released on 2021-06-08 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: The coronavirus (COVID-19) crisis, which has hit financial systems across Africa, is likely to deteriorate banks’ balance sheets. The largest threat to banks pertains to their loan portfolios, since many borrowers have faced a sharp collapse in their income, and therefore have difficulty repaying their obligations as they come due. This could lead to a sharp increase in nonperforming loans (NPLs) in the short to medium term.
Book Synopsis Banking Efficiency and Financial Development in Sub-Saharan Africa by : Sandrine Kablan
Download or read book Banking Efficiency and Financial Development in Sub-Saharan Africa written by Sandrine Kablan and published by International Monetary Fund. This book was released on 2010-06-01 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Measuring Financial Development in Sub-Saharan Africa by : Mr.Enrique Gelbard
Download or read book Measuring Financial Development in Sub-Saharan Africa written by Mr.Enrique Gelbard and published by International Monetary Fund. This book was released on 1999-08-01 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study introduces an index for measuring financial development and a set of six indices representing key characteristics of the financial systems in 38 sub-Saharan African countries. The results show that these countries have made good progress in improving and modernizing their financial systems during the last decade, particularly with regard to financial liberalization and the adoption of indirect instruments of monetary policy. In many countries, however, the range of financial products remains extremely limited, interest rate spreads are wide, capital adequacy ratios are insufficient, judicial loan recovery is a problem, and the share of nonperforming loans is large.
Book Synopsis Institutional Factors and Financial Sector Development by : George C. Anayiotos
Download or read book Institutional Factors and Financial Sector Development written by George C. Anayiotos and published by International Monetary Fund. This book was released on 2009-11-01 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper assesses the effects of certain institutional factors on financial sector development in Sub- Saharan Africa (SSA). Data Envelopment Analysis (DEA) is applied to determine the extent to which these institutions affect the financial sector, and to suggest which institutions play a more critical role in each country. Results suggest that institutional factors affect financial depth and access to financial services more than asset quality and profitability (measured by nonperforming loans (NPL) and return on equity (ROE). The results also suggest that depth of credit information has the strongest influence on the NPL ratio, and political stability affects access the most. Based on model findings, policy implications on prioritizing institutional reforms to enhance financial sector development are suggested for individual countries and for country groups.
Book Synopsis Sub-Saharan Africa by : Ms.Catherine A. Pattillo
Download or read book Sub-Saharan Africa written by Ms.Catherine A. Pattillo and published by International Monetary Fund. This book was released on 2006-08-28 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Banking in Africa by : Martin Brownbridge
Download or read book Banking in Africa written by Martin Brownbridge and published by Africa World Press. This book was released on 1998 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a review of the evolution of the post-independence banking system in Africa. There is a strong focus on the problems of restructuring of banking institutions and the management of the bad and non-performing assets of public sector institutions.
Book Synopsis Evolving Banking Trends in Sub-Saharan Africa by : Mr. Mauro Mecagni
Download or read book Evolving Banking Trends in Sub-Saharan Africa written by Mr. Mauro Mecagni and published by International Monetary Fund. This book was released on 2015-09-16 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking in SSA has undergone very significant changes over the last two decades. Financial liberalization and related reforms, upgrades in institutional and more recently the expansion of cross-border banking activities and the rapid development of Pan-African banking groups are signaling greater financial integration and significant changes in the African banking and financial landscape. Nonetheless, excess liquidity in many countries reflects limited lending opportunities and, despite improvements, asset quality and provisioning remain comparatively low. Dollarization has also been a persistent characteristic in several natural resource-dependent economies. This paper discusses key stylized facts and trends of banking development in SSA, looking at a variety of dimensions such as size, depth, soundness, and efficiency. It also assess the rapid expansion of pan-African banking groups, which have overtaken the role of the European and U.S. banks that had traditionally dominated banking activities in SSA, creating significant cross-border networks and becoming the largest participants in new syndicates and large bilateral loans to finance infrastructure development.
Book Synopsis Microfinance in Africa by : Mr. Rodolphe Blavy
Download or read book Microfinance in Africa written by Mr. Rodolphe Blavy and published by International Monetary Fund. This book was released on 2004-09-01 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: Based on the experience of selected countries, this paper offers a critical presentation of the development of the microfinance sector in Africa. The paper supports the view that microfinance institutions, especially those engaged in full financial intermediation, complement effectively the banking sector in extending financial services and successfully draw on the rich experience of community-based development and preexisting informal methods of financial intermediation in Africa. Growing linkages between microfinance institutions and the banking system and the dissemination of good practices by nongovernment organizations contribute to the sound development of the sector, supported by regulation and supervision by local authorities.
Book Synopsis The Outlook for Commercial Bank Lending to Sub- Saharan Africa by : Ellen Johnson-Sirleaf
Download or read book The Outlook for Commercial Bank Lending to Sub- Saharan Africa written by Ellen Johnson-Sirleaf and published by World Bank Publications. This book was released on 1991 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: Key issues in the future of long- term commercial bank lending in Africa, constraints on increased commercial bank lending there, and special initiatives for removing those constraints and stimulating lending to Sub-Saharan Africa.
Book Synopsis Macro-Financial Linkages in Shallow Markets by : International Monetary Fund. African Dept.
Download or read book Macro-Financial Linkages in Shallow Markets written by International Monetary Fund. African Dept. and published by International Monetary Fund. This book was released on 2018-07-23 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experience from the African Department’s Pilot Countries
Book Synopsis Issues in Central Banking and Bank Distress by : West African Institute for Financial and Economic Management
Download or read book Issues in Central Banking and Bank Distress written by West African Institute for Financial and Economic Management and published by . This book was released on 1998 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Africa written by Paula Mitchell and published by . This book was released on 2001 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Integration and Development by : Ernest Aryeetey
Download or read book Financial Integration and Development written by Ernest Aryeetey and published by Routledge. This book was released on 2005-07-28 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the effects of financial liberalization on development, with a particular focus on Sub-Saharan Africa and includes studies of Ghana, Malawi, Nigeria and Tanzania.
Book Synopsis Financial Market Fragmentation and Reforms in Sub-Saharan Africa by : Ernest Aryeetey
Download or read book Financial Market Fragmentation and Reforms in Sub-Saharan Africa written by Ernest Aryeetey and published by World Bank Publications. This book was released on 1997-01-01 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: FIAS Occasional Paper No. 9. Many developing countries have made dramatic progress in promoting private sector participation in their infrastructure sectors, especially with the help of foreign investors. However, this has not been the case in Southern and Eastern Africa, which have been perceived as relatively unattractive locations for investment. This paper describes the state of infrastructure in the region, takes stock of actual and potential projects in the various sectors, and analyzes the main impediments to private investment in the region's infrastructure services.
