Bank failures and the impact of regulatory reforms in Africa
Date
2017
Authors
Soile-Balogun, Adeyinka Adeniran
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Abstract
The fragility of the banking sector and the systemic effects of bank failures coupled with the position banks occupy as the centre of financial and economic activity has called for effective regulatory reforms to ensure greater supervision and monitoring, prudent banking practices, financial stability and restoration of public confidence in the financial system.
Therefore, this study is aimed at examining the spate of bank failures in Africa and the extent to which the introduction of regulatory reforms and prudential measures by regulatory authorities have impacted or helped in reducing the incidence of bank failures in Africa. To this end, the study looks at the various determinants of bank failures and fragility, indicators of financial soundness, the measures adopted so far in curbing bank failures and the resultant effect, the deficiencies in the existing reforms and regulations as well as policy recommendations for future studies.
The study revealed that successful implementation of reforms is not limited to effective prudential approach & guidelines but largely influenced by Macro-economic conditions in the economy. For the purpose of performance evaluation and assessing the impact of regulatory reforms on the banking sector in Africa (Pre reform and Post reform), this study looks at a case study of some selected African countries namely Nigeria, South Africa, Zambia, Uganda, Ghana to enable us have a clear insight on the performance of banks pre-reforms and post reforms.
Keywords: Banking sector reforms, Financial intermediation, Banking crisis, Bank performance, Capital adequacy.
Description
In partial fulfilment of the requirements for the
Master of Management Degree in Finance & Investment Management
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Citation
Soile-Balogun, Adeyinka Adeniran (2017) Bank failures and the impact of regulatory reforms in Africa, University of the Witwatersrand, Johannesburg, <http://hdl.handle.net/10539/23710>