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Banking in Sub-Saharan Africa

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  • Françoise Le Gall
  • Roland Daumont
  • François Leroux
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    Abstract

    The purpose of this paper is to study the origins of banking crises in sub-Saharan Africa, drawing upon the experience of ten countries during the period 1985-95. It examines, in particular, which factors were the most important sources of these crises. The conclusions underscore that the banking crises examined did not represent an entirely special case-a number of factors identified in the general literature, including macroeconomic shocks, were highly relevant-but note that several of their features were nonetheless specific to this part of the world. These banking crises were the very prototype of endemic crises associated with heavy government intervention in the banking system. In this regard, the paper analyzes the complex role of the government in banking in sub-Saharan Africa, the many channels through which governments intervened, and the economic and institutional environment in which the banks operated.

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    Bibliographic Info

    Paper provided by International Monetary Fund in its series IMF Working Papers with number 04/55.

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    Length: 49
    Date of creation: 01 Apr 2004
    Date of revision:
    Handle: RePEc:imf:imfwpa:04/55

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    Keywords: Banking systems; Intervention; banking; banking crises; banking system; banking crisis; banking supervision; banking sector; insider lending; connected lending; capital adequacy; financial liberalization; foreign exchange; banking regulation; bank credit; financial crises; systemic banking crisis; banking operations; bank lending; bank fraud; bank supervision; financial distress; banking concentration; banking sectors; bank performance; bank supervisors; internal control; bank failures; causes of banking crises; structural adjustment; competitiveness; bank capital; bank deposits; bank for international settlements; deposit insurance; liquidity crisis; accounting standards; systemic bank restructuring; bank regulation; bank owners; working capital; bank assets; national bank; prudential regulation; bank insolvency; bank ownership; bank soundness; bank regulations; credit policy; bank financing; macroeconomic stabilization; banking laws; banking regulations; retained earnings; bank depositors; banks ? assets; insolvent banks; financial crisis; banking authorities; banking sector assets; bank credit ceilings; financial integration; banking activities; banking sector fragility; mortgage lending; accounting system; banking system failures; cross-country experience; bank loan; contagion; bank funding; merchant bank; foreign exchange market; interbank money market; liquidity ratio; bank fragility; bank restructuring; legal infrastructure; bank licenses; bank insolvencies; macroeconomic policies; loan supervision; recession; bank branch network; borderline financial crises; banking system assets; bank branch; cooperative bank; specialized bank; banking legislation; capital adequacy ratio; currency crises; bank loans; bank examination; loan maturity; bank earnings; bank profitability; financial reforms; closure of banks; financial sector development; runs on banks; economic recession; capital base; bankers; excess liquidity;

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    Cited by:
    1. David Hauner & Shanaka J. Peiris, 2005. "Bank Efficiency and Competition in Low-Income Countries," IMF Working Papers 05/240, International Monetary Fund.
    2. Janvier D. Nkurunziza, 2005. "Reputation and Credit without Collateral in Africa`s Formal Banking," Economics Series Working Papers WPS/2005-02, University of Oxford, Department of Economics.
    3. Vogel, Ursula & Winkler, Adalbert, 2010. "Foreign banks and financial stability in emerging markets: Evidence from the global financial crisis," Frankfurt School - Working Paper Series 149, Frankfurt School of Finance and Management.
    4. Thorsten Beck & Samuel Munzele Maimbo, 2013. "Financial Sector Development in Africa : Opportunities and Challenges," World Bank Publications, The World Bank, number 11881, October.
    5. Honohan, P. & Beck, T.H.L., 2007. "Making finance work for Africa," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3125420, Tilburg University.
    6. Fofack, Hippolyte L., 2005. "Nonperforming loans in Sub-Saharan Africa : causal analysis and macroeconomic implications," Policy Research Working Paper Series 3769, The World Bank.

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