Credit risk and bank performance in Ghana/ Dorcas Pomaa Nimako; Supervisor: Mehmet Ağa

Yazar: Katkıda bulunan(lar):Dil: English Yayın ayrıntıları:Nicosia; Cyprus International University: 2020.Tanım: IX, 71 p.; pictures 30.5 cm. CD var/Includes CDİçerik türü:
  • text
Ortam türü:
  • unmediated
Taşıyıcı türü:
  • volume
Konu(lar): Özet: ABSTRACT Financial institutions play an essential duty in the development and enhancement of an economy. Banks run to provide capital for entities or customers, be its businesses or individual with the expectations of achieving certain target returns. They serve as an intermediary for those who want to save and those that borrow. The motivation behind this research recognizes the influence of credit risk on performance of banks in the Ghanaian economy. The research paper adopted a quantitative approach and also used secondary data. The data was obtained from annual reports of the various carefully chosen banks, Bank of Ghana, Ghana statistical Service. Balanced panel data were analyzed from six (6) chosen banks in Ghana throughout 2010-2019, using both fixed and random methods. The study evaluates Return on Assets (ROA) as a measure of bank performance (in terms of profitability). Non-performing loan to total loan ratio (NPLR), total loan to total deposit ratio (TLR), and provision of loan loss ratio (PLLR) were the credit risk measures used in the study. The study employed R studio to conduct the descriptive, normality, correlation, and panel regression model for the data. According to result generated, all the credit risk measures (non-performing loan ratio, total loan ratio and provision of loan loss ratio) have a constructive or positive connection with performance of various banks. NPLR and TLR were statistically significant. However, the study recommended the management of banks to have a comprehensive risk associated with credit policy to help upgrade and improve regulations in credit risk management. Keywords: Panel regression, Ghanaian banking sector, ROA, Bank Performance.
Materyal türü: Thesis

CD var/Includes CD

Includes references(57-69 p.)

Includes appendix (70-71 p.)

ABSTRACT
Financial institutions play an essential duty in the development and enhancement of an economy. Banks run to provide capital for entities or customers, be its businesses or individual with the expectations of achieving certain target returns. They serve as an intermediary for those who want to save and those that borrow. The motivation behind this research recognizes the influence of credit risk on performance of banks in the Ghanaian economy. The research paper adopted a quantitative approach and also used secondary data. The data was obtained from annual reports of the various carefully chosen banks, Bank of Ghana, Ghana statistical Service. Balanced panel data were analyzed from six (6) chosen banks in Ghana throughout 2010-2019, using both fixed and random methods. The study evaluates Return on Assets (ROA) as a measure of bank performance (in terms of profitability). Non-performing loan to total loan ratio (NPLR), total loan to total deposit ratio (TLR), and provision of loan loss ratio (PLLR) were the credit risk measures used in the study. The study employed R studio to conduct the descriptive, normality, correlation, and panel regression model for the data.
According to result generated, all the credit risk measures (non-performing loan ratio, total loan ratio and provision of loan loss ratio) have a constructive or positive connection with performance of various banks. NPLR and TLR were statistically significant. However, the study recommended the management of banks to have a comprehensive risk associated with credit policy to help upgrade and improve regulations in credit risk management.
Keywords: Panel regression, Ghanaian banking sector, ROA, Bank Performance.

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