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  • Küçük Resim
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    The Effect of Banking Sector Efficiency on the Economic Development in West Africa
    (İstanbul Ticaret Üniversitesi, 2021) Doucoure, Aboubacar; Çankaya, Serkan
    The primary goal of this research is to analyze whether the financial efficiency of the banking sector in the Economic Community of West African States region estimated by financial indicators as Return on Asset (ROA), Return on Equity (ROE) and Net Interest Income (NIM) affects the economic development measured by the Gross Domestic Product (GDP) growth. The choice of these profitability and rentability variables is inspired by the World Bank’s indicators of financial institutions efficiency at country level. This research investigated the impact of banking sector efficiency on the economic development in country members of the Economic Community of West African States (ECOWAS) from 2010 to 2019. This study uses quantitative methodology in order to attain the main objective. The research proposes to develop a methodology, through theoretical study as well as making use of related literatures, which can be used in determining the impact of banking sector performance and economic development in West African region. The required data can be classified into two main categories: the factors that determine bank efficiency, and the economic indicator that explains growth in the region. The goal is to analyze whether the financial efficiency of banks lead to growth in the economies of countries. In our model, the banking sector efficiency measured by financial indicators as ROA, ROE, and NIM indicates the explanatory variables while annual growth rate of GDP for economic development measures the predicted variable. The model uses Panel Generalized Method of Moment (GMM) to test the hypothesis from EVIEWS software. The result of our survey suggests that among all the explanatory variables only the return on asset (ROA) has statistically significant influence on the gross domestic product (GDP) growth rate meaning that the banking sector financial performance measured by ROA has significant impact on the economic growth in West Africa. The research shows that the main actors in banking sector and authorities should focus on the efficiency of banking system in order to drive a sustainable economic growth. In addition, this research obviously provides some important information to researchers, governments, financial analysts, banking policy makers and supervisory authorities
  • Küçük Resim
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    The effect of banking sector profitability on economic growth : evidence from Ecowas area
    (İstanbul Ticaret Üniversitesi, 2021) Doucoure, Aboubacar; Çankaya, Serkan
    ABSTRACT The primary goal of this research is to analyze whether the financial profitability of the banking sector in the Economic Community of West African States has an impact on economic growth. This study uses quantitative methodology to attain the main objective and over a period of 2010 to 2019. In our model, the banking sector profitability measured by financial indicators as ROA, ROE, and NIM indicates the explanatory variables while annual growth rate of GDP for economic growth measures the predicted variable. The model uses Panel Generalized Method of Moment (GMM) to test the hypothesis. The result of our survey suggests that all financial rentability and profitability indicators have a statistically significant influence on the gross domestic product (GDP) growth rate. It implies that the banking sector financial performance has significant impact on the economic growth in West Africa. The profitability of banks is conditioned to some prerequisites: macroeconomic stability, a range of diversified financial products, and effective enforcement of legislation and regulation, and a properly functioning asset registration system. Keywords: Banking Sector, Profitability, Economy, West Africa iv ÖZET Bu araştırmanın temel amacı, Batı Afrika Devletlerinin Ekonomik Topluluğundaki bankacılık sektörünün finansal karlılığının ekonomik büyüme üzerinde bir etkisi olup olmadığını analiz etmektir. Bu çalışma, temel hedefe ulaşmak için ve 2010-2019 dönemi boyunca nicel metodolojiyi kullanmaktadır. Modelimizde finansal göstergelerle ROA, ROE ve NIM olarak ölçülen bankacılık sektörü karlılığı açıklayıcı değişkenleri gösterirken, ekonomik büyüme için GSYİH'nın yıllık büyüme oranı öngörülen değişkeni ölçmektedir. Model, hipotezi test etmek için Panel Genelleştirilmiş Moment Yöntemini (GMM) kullanır. Araştırmamızın sonucu, tüm finansal karlılık göstergelerinin gayri safi yurtiçi hasıla (GSYİH) büyüme oranı üzerinde istatistiksel olarak anlamlı bir etkiye sahip olduğunu göstermektedir. Bankacılık sektörünün finansal performansının Batı Afrika'daki ekonomik büyüme üzerinde önemli bir etkisi olduğu anlamına geliyor. Bankaların karlılığı bazı önkoşullara bağlıdır: makroekonomik istikrar, bir dizi çeşitlendirilmiş finansal ürün ve mevzuatın ve düzenlemenin etkin bir şekilde uygulanması ve düzgün işleyen bir varlık kayıt sistemi. Anahtar Kelimeler: Bankacılık Sektörü, Karlılık, Ekonomi, Batı Afrika v TABLE OF CONTENTS ABSTRACT . iii ÖZET . iv LIST OF TABLES . vii LIST OF FIGURES . viii LIST OF ABBREVIATIONS . ix 1 INTRODUCTION . 1 1. 1 Background of the Study . 1 1. 2 Statement of the Study . 3 1. 3 Purpose of the Study . 4 1. 4 Significance of the Research . 4 1. 5 Nature of the Research . 5 1. 6 Research Questions . 5 2 LITERATURE REVIEW . 6 2. 1 Determinants of the Banking Sector Performance . 6 2. 2 Financial Development and Economic Growth . 11 3 MACROECONOMIC ANALYSIS IN AFRICA AND ECOWAS AREA . 17 3. 1 Macroeconomic outlook in Africa . 17 3. 2 Macroeconomic Conditions in West Africa (ECOWAS area) . 17 4 BANKING SECTOR IN AFRICA. 22 4. 1 African Banking Condition . 22 4. 2 Banking Sector in West Africa . 23 4. 3 Banking Sector Dynamism . 26 4. 4 Profitability and Rentability of Banking Sector . 29 4. 5 Measurement of Banking Sector Stability . 34 5 DETERMINANTS OF THE PROFITABILITY OF BANKS . 37 5. 1 Risk Management. 37 5. 1. 1 Credit or Counterparty Risk . 38 5. 1. 2 Natures of Credit Risk for Banks . 39 5. 1. 3 Assessment of Credit Risk . 40 5. 1. 4 Market Risk. 44 vi 5. 1. 5 Limit of Financial Analysis in African banking System . 47 5. 2 Regulation . 47 5. 2. 1 Basel Directives . 51 5. 2. 2 Basel Implementation in Africa . 55 6 FINANCIAL INNOVATION IN AFRICA . 57 6. 1 Digital Banking . 57 6. 2 Financial Technology and Mobile Banking in West Africa . 58 6. 3 Mobile Money . 60 6. 4 Characteristics of Mobile Money in West Africa . 63 7 EMPIRICAL RESEARCH. 65 7. 1 Research Design and Approach . 65 7. 2 Data and Sample . 66 7. 3 Variables . 66 7. 4 Hypothesis . 67 7. 5 Summary of Descriptive Statistics of Variables . 67 7. 6 Stationary Test . 68 7. 7 Results and Findings . 69 7. 8 Validation Test of Instruments . 70 8 CONCLUSION AND RECOMMENDATIONS . 72 8. 1 Recommendations . 73 REFERENCES. 76 9 Appendix . 80