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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Mots clés 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

Informations bibliographiques

Editeur

World Bank, Washington, DC

D'autres materias

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

Langue

anglais

Format

application/pdf, text/plain

Licence

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

Sur AGRIS depuis: 2024-10-18

Date de modification: 2025-10-25

Format: Dublin Core

Fournisseur de données

Cette notice bibliographique a été fournie par World Bank

Découvrez la collection de ce fournisseur de données dans AGRIS

Liens

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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