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The Impact of bank competition on credit risk in africa
[L’impact de la concurrence bancaire sur le risque de crédit en Afrique]

Author

Listed:
  • Luc Jacolin
  • Alphone Noah

Abstract

The intensification of competition in Sub-Saharan African (SSA) countries has had an ambivalent impact on credit risk. The resulting improvement in management and bank intermediation may, beyond a certain threshold, be offset by greater risk-taking. Strengthening prudential frameworks would make it possible to harness the opportunities offered by bank competition. L’intensification de la concurrence dans les pays d’Afrique subsaharienne (ASS) a un impact ambigu sur le risque de crédit. L’amélioration de la gestion et de l’intermédiation opérées par les établissements qu’elle induit peut, à partir d’un certain seuil, être compensée par des prises de risque croissantes. Renforcer les dispositifs prudentiels permettrait de tirer le meilleur parti de la concurrence bancaire.

Suggested Citation

  • Luc Jacolin & Alphone Noah, 2018. "The Impact of bank competition on credit risk in africa [L’impact de la concurrence bancaire sur le risque de crédit en Afrique]," Eco Notepad 73, Banque de France.
    • Handle: RePEc:bfr:econot:73
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