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Bank Efficiency and Competition in Low-Income Countries: The Case of Uganda

2005-12-01
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Release : 2005-12-01
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Book Synopsis Bank Efficiency and Competition in Low-Income Countries: The Case of Uganda by : David Hauner

Download or read book Bank Efficiency and Competition in Low-Income Countries: The Case of Uganda written by David Hauner. This book was released on 2005-12-01. Available in PDF, EPUB and Kindle. Book excerpt: There is a concern that the state-dominated, inefficient, and fragile banking systems in many low-income countries, especially in sub-Saharan Africa, are a major hindrance to economic growth. This paper systematically analyzes the impact of the far-reaching banking sector reforms undertaken in Uganda to improve competition and efficiency. Using models that have been previously used only in industrial countries, we find that the level of competition has increased significantly and has been associated with a rise in efficiency. Moreover, on average, larger banks and foreign-owned banks have become more efficient, while smaller banks have become less efficient in the face of increased competitive pressures.

Bank Efficinecy and Competition in Low-income Countries

2005
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Release : 2005
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Book Synopsis Bank Efficinecy and Competition in Low-income Countries by : David Hauner

Download or read book Bank Efficinecy and Competition in Low-income Countries written by David Hauner. This book was released on 2005. Available in PDF, EPUB and Kindle. Book excerpt:

Bank Efficiency in Sub-Saharan African Middle Income Countries

2009-01-01 Business & Economics
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Release : 2009-01-01
Genre : Business & Economics
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Book Rating : 619/5 ( reviews)

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Book Synopsis Bank Efficiency in Sub-Saharan African Middle Income Countries by : Chuling Chen

Download or read book Bank Efficiency in Sub-Saharan African Middle Income Countries written by Chuling Chen. This book was released on 2009-01-01. Available in PDF, EPUB and Kindle. Book excerpt: We use bank level data to study the efficiency of banks in Sub-Saharan African middle-income countries and provide possible explanations for the difference in the efficiency levels of banks. We find that banks, on average, could save 20-30 percent of their total costs if they were operating efficiently, and that foreign banks are more efficient than public banks and domestic private banks. Among the factors that could affect the efficiency levels are macroeconomic stability, depth of financial development, the degree of market competition, strong legal rights and contract laws, and better governance, including political stability and government effectiveness. Our findings point to the importance of policies that aim to build stronger institutions, promote more competition, and improve governance.

Bank Privatization in Sub-Saharan Africa

2009
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Release : 2009
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Book Synopsis Bank Privatization in Sub-Saharan Africa by : George R. G. Clarke

Download or read book Bank Privatization in Sub-Saharan Africa written by George R. G. Clarke. This book was released on 2009. Available in PDF, EPUB and Kindle. Book excerpt: Because large state-owned banks are often the only financial service providers in remote areas of low-income countries, policymakers worry that even if privatization improves performance, it might reduce access. We study this issue through a case study: the privatization of Uganda Commercial Bank (UCB) to the South African bank Stanbic. Though market segmentation remains a concern since Stanbic faces little or no direct competition in many remote areas, some innovative aspects of the sales agreement have enabled the bank to improve its profitability while maintaining, or even improving, access to financial services for some hard-to-serve groups.

Banking Efficiency and Financial Development in Sub-Saharan Africa

2010-06-01 Business & Economics
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Release : 2010-06-01
Genre : Business & Economics
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Book Rating : 197/5 ( reviews)

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Book Synopsis Banking Efficiency and Financial Development in Sub-Saharan Africa by : Sandrine Kablan

Download or read book Banking Efficiency and Financial Development in Sub-Saharan Africa written by Sandrine Kablan. This book was released on 2010-06-01. Available in PDF, EPUB and Kindle. Book excerpt: This study assesses the determinants of banking system efficiency in sub-Saharan Africa (SSA) and asks what, besides the degree of efficiency, explains the low level of financial development in the region. It uses stochastic frontier analysis to measure efficiency and a generalized method of moments system to explain financial development. SSA banks are found to be generally cost-efficient, but nonperforming loans undermine efficiency, which suggests that improvement in the regulatory and credit environments should improve efficiency. The political and the economic environment have held back financial development in SSA.

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