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Bank Market Structure and Competition in Africa

In: The Economics of Banking and Finance in Africa

Author

Listed:
  • James Ntiamoah Doku

    (University of Professional Studies, Accra)

  • Emmanuel Mensah

    (Absa Bank Ghana)

  • Zangina Isshaq

    (University of Ghana, Legon)

  • Charles Komla Delali Adjasi

    (University of Stellenbosch)

Abstract

This assesses the market structure of the banking sector and competition in Africa using a sample of 365 banks from forty (40) countries in Africa covering the period, 2000–2015, with a panel data analytic approach following the Panzar-Rosse (1987) methodology. The study found that the African banking sector is characterised by monopolistic competition. This implies that, though banks produce homogenous products, they have the ability to adjust their prices upward using unique strategies of image branding, distinct product and service offerings and good customer relationships. Thus, it is recommended that regulatory reforms should be geared towards introducing credit information sharing among participants in the banking sector in order to reduce the monopolistic power of banks, thereby, enhancing competitive behaviour and efficiency of banking operations.

Suggested Citation

  • James Ntiamoah Doku & Emmanuel Mensah & Zangina Isshaq & Charles Komla Delali Adjasi, 2022. "Bank Market Structure and Competition in Africa," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Joshua Yindenaba Abor & Charles Komla Delali Adjasi (ed.), The Economics of Banking and Finance in Africa, chapter 0, pages 61-100, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-031-04162-4_3
    DOI: 10.1007/978-3-031-04162-4_3
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    Cited by:

    1. Jiang, Lan & Wu, Tong, 2023. "Banking market structure and industrial structure: A transnational empirical study," Finance Research Letters, Elsevier, vol. 54(C).

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