Banking in Africa

Cull, Robert; Beck, Thorsten

Banking in Africa

2013

Cull, Robert | Beck, Thorsten

This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are shallow but stable. African banks are well capitalized and over-liquid, but lend less to the private sector than banks in non-African developing countries. African enterprises and households are less likely to use financial services than their peers in other developing countries. The paper also describes a number of financial innovations across the continent that can help overcome different barriers to financial inclusion and have helped to expand the bankable and the banked population.

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Palabras clave de AGROVOC

balance sheets bank bank deposits banking systems banks capital commercial banks cooperation cooperatives credit economic development economic growth enterprises equity farmers finance financial inclusion financial innovation financial institutions financing fixed costs gender governance household income households inflation institutional development insurance interest rates international bank land loans macroeconomics microcredit microfinance mortgages operating costs outreach overhead costs privatization profitability property remittances repayment risk risk management risk mitigation small enterprises social networks strategies transaction costs urban areas villages women

Información bibliográfica

Editorial

World Bank, Washington, DC

Otras materias

Banking sector development; Mfis; Commercial bank; Small business lending; Bribes; Demand for savings; Financial systems; Bias; Borrowing; Loan size; Private equity; Financial development; Access to external finance; Financial liberalization; Financial services providers; Household; Bank competition; Moral hazard; Payments infrastructure; Formal financial institutions; Balance sheet; Informal finance; Economic opportunities; Housing finance; Access to banking services; Account holders; Bond market; Financial services; International banks; Cross-border banking; Credit registry; Equity finance; Payment; Financial sector reforms; Return on assets; Enterprise; Bank account; Financial accounts; Credit products; Access to credit; Pension funds; Credit market; Micro-credit; Gender gap; Revenue; High interest rates; Mainstream bank; Foreign direct investment; Female business; Financial service; Maturities; Formal financial services; Mutual funds; Equity funds; Indicators of access; Financial markets; Access to finance; Money transfer; Interests; Financial innovations; Financial stability; Payment services; Bank credit; Contractual savings institutions; Gender gaps; Savings account; Return on investment; Business owners; Formal finance; Bank offices; Reserve requirements; Financial globalization; Formal financial institution; Banking models; Financial service providers; High interest rate; Household access; Banking system; Endowment; Bank branches; Access to formal finance; Financial sector reform; Credit unions; Borrower; Collateral; Credit markets; Electronic transfers; Credit levels; Credit information; Profit margins; Financial depth; Mortgage; Economic agents; Credit histories; Application procedures; Loan product; Financial instruments; Financial products; Savings products; People; Retail businesses; Value; Lending techniques; Direct deposit; Access to financial services; Governments; Banking sector; Securities; Financial account; Interest; Financial system; Mfi; Real sector; Bank branch; Employment status; Financial intermediation; Financial sector policies; Corporate finance; Cost of credit; Collateral requirements; Consumer credit; Government interventions; Line of credit; Savings institutions; Credit provision; Known studies; Social banking; Electronic payment; Formal bank; Current account; Capital markets; Marginal revenue; Withdrawal fees; Bank accounts; Loan application; Enterprise registration; Borrowers; Insurance policy; Expenditures; Creditor; Private credit; Rural banks; Banking crises; Geographic barriers; Informal savings; Payments; Partial credit; Information sharing; Access to banking; Business transactions; Microfinance institutions; Financial regulation; Interest rate; Repayment rates; Loan portfolio; Financial deepening; Financial transactions; Women borrowers; Financial literacy; Savings mechanisms; Contractual savings; Interest rate ceilings; Guarantees; Credit guarantees; Loan; Rural bank; Profit margin; Financing needs; Small business; Deposit; Enterprise access; Credit history; Credit registries

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Inglés

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application/pdf, text/plain

Licencia

CC BY 3.0 IGO, http://creativecommons.org/licenses/by/3.0/igo/, World Bank

En AGRIS desde: 2024-10-18

Fecha de modificación: 2025-04-17

Formato: Dublin Core

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Enlaces

DOI http://documents.worldbank.org/curated/en/2013/10/18464500/banking-africa https://hdl.handle.net/10986/16899

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Banking in Africa

2013

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Información bibliográfica