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Information, Institutions and Banking Sector Development in West Africa

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  • Panicos Demetriades

    ()

  • David Fielding

Abstract

Using a new panel dataset for banks in eight West African countries, we explore the factors that exacerbate or alleviate excess liquidity, and the factors that promote or retard the rate of growth of banks’ assets. Loan default rates in the region are high, and variations in the rate impact on liquidity and asset growth. However, the size of this effect is very sensitive to bank age. Some types of improvement in the quality of governance reduce excess liquidity and promote asset growth. However, the impact of other types of improvement, particularly with regard to corruption, is ambiguous. We uncover evidence that provides an explanation for this ambiguity.

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File URL: http://www.le.ac.uk/economics/research/RePEc/lec/leecon/dp09-4.pdf
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Bibliographic Info

Paper provided by Department of Economics, University of Leicester in its series Discussion Papers in Economics with number 09/4.

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Date of creation: Feb 2009
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Handle: RePEc:lec:leecon:09/4

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Keywords: Africa; Banking; Default; Institutions; Liquidity;

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  1. Patrick Honohan & Thorsten Beck, 2007. "Making Finance Work for Africa," World Bank Publications, The World Bank, number 6626, September.
  2. Arestis, Philip & Demetriades, Panicos O, 1997. "Financial Development and Economic Growth: Assessing the Evidence," Economic Journal, Royal Economic Society, vol. 107(442), pages 783-99, May.
  3. Koopman, Siem Jan & Lucas, Andre & Klaassen, Pieter, 2005. "Empirical credit cycles and capital buffer formation," Journal of Banking & Finance, Elsevier, vol. 29(12), pages 3159-3179, December.
  4. Demetriades, Panicos O. & Andrianova, Svetlana, 2005. "Sources and Effectiveness of Financial Development: What We Know and What We Need to Know," Working Papers RP2005/76, World Institute for Development Economic Research (UNU-WIDER).
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Cited by:
  1. Laurent Weill, 2011. "Does corruption hamper bank lending? Macro and micro evidence," Empirical Economics, Springer, vol. 41(1), pages 25-42, August.
  2. Hovhannes Toroyan & George C. Anayiotos, 2009. "Institutional Factors and Financial Sector Development: Evidence from Sub-Saharan Africa," IMF Working Papers 09/258, International Monetary Fund.

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