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Banking Sector Integration and Competition in CEMAC

  • Jérôme Vacher
  • Samer Y. Saab

This paper considers the extent of retail banking integration in the Communauté Economique et Monétaire d'Afrique Centrale (CEMAC) and the level of bank competition at the regional level. Using a mix of quantitative and qualitative indicators, the paper finds some evidence of price convergence in average interest rate spreads. However, this observed fact is not supported by an increase in cross-border flows in retail loans and deposits, and price convergence may merely reflect excess liquidity in the region. Other data also indicate that bank competition within the CEMAC as a region is limited, complementing the findings on integration. Addressing shortfalls in legal and regulatory frameworks, infrastructure, and markets would facilitate integration.

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Paper provided by International Monetary Fund in its series IMF Working Papers with number 07/3.

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Length: 25
Date of creation: 01 Jan 2007
Date of revision:
Handle: RePEc:imf:imfwpa:07/3
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  1. Amadou N. R. Sy, 2006. "Financial Integration in the West African Economic and Monetary Union," IMF Working Papers 06/214, International Monetary Fund.
  2. Johan Mathisen & Thierry D. Buchs, 2005. "Competition and Efficiency in Banking; Behavioral Evidence From Ghana," IMF Working Papers 05/17, International Monetary Fund.
  3. David Hauner & Shanaka J. Peiris, 2005. "Bank Efficiency and Competition in Low-Income Countries; The Case of Uganda," IMF Working Papers 05/240, International Monetary Fund.
  4. International Monetary Fund, 2005. "Competition in Indian Banking," IMF Working Papers 05/141, International Monetary Fund.
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