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Role of Bank Specific, Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry.

Year 2016, Volume: 6 Issue: 2, 813 - 823, 01.04.2016

Eric Kofi Boadi Yao Li Victor Curtis Lartey

Abstract

This paper analyzes bank specific, macroeconomic and some risk determinants of bank profitability of Rural and Community Banks (RCBs) in Ghana. Fixed effect panel regression analysis is applied on 114 RCBs annual financial reports during the period 2005-2013. The results generally suggests that capital adequacy, asset quality, liquidity management, investment, gross domestic product growth rate, inflation, funding risk and bank resilience risk are significant determinants of RCBs profitability though with varying degrees. Whereas management efficiency, and bank size cannot be considered as positive contributors to RCBs profitability. The study also indicates that continuous profitability performance of RCBs can curtail shortfall in funding risk and enhance RCBs stability.

Keywords

Bank Performance Bank Specific Determinants Macroeconomic Factors Risk Factors

Year 2016, Volume: 6 Issue: 2, 813 - 823, 01.04.2016

Eric Kofi Boadi Yao Li Victor Curtis Lartey

Abstract

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Details

Other ID JA85RK46HG
Journal Section Research Article
Authors

Eric Kofi Boadi This is me

Yao Li This is me

Victor Curtis Lartey This is me

Publication Date April 1, 2016
Published in Issue Year 2016 Volume: 6 Issue: 2

Cite

APA Boadi, E. K., Li, Y., & Lartey, V. C. (2016). Role of Bank Specific, Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry. International Journal of Economics and Financial Issues, 6(2), 813-823.
AMA Boadi EK, Li Y, Lartey VC. Role of Bank Specific, Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry. IJEFI. April 2016;6(2):813-823.
Chicago Boadi, Eric Kofi, Yao Li, and Victor Curtis Lartey. “ Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry”. International Journal of Economics and Financial Issues 6, no. 2 (April 2016): 813-23.
EndNote Boadi EK, Li Y, Lartey VC (April 1, 2016) Role of Bank Specific, Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry. International Journal of Economics and Financial Issues 6 2 813–823.
IEEE E. K. Boadi, Y. Li, and V. C. Lartey, “ Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry”., IJEFI, vol. 6, no. 2, pp. 813–823, 2016.
ISNAD Boadi, Eric Kofi et al. “ Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry”. International Journal of Economics and Financial Issues 6/2 (April 2016), 813-823.
JAMA Boadi EK, Li Y, Lartey VC. Role of Bank Specific, Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry. IJEFI. 2016;6:813–823.
MLA Boadi, Eric Kofi et al. “ Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry”. International Journal of Economics and Financial Issues, vol. 6, no. 2, 2016, pp. 813-2.
Vancouver Boadi EK, Li Y, Lartey VC. Role of Bank Specific, Macroeconomic and Risk Determinants of Banks Profitability: Empirical Evidence from Ghana’s Rural Banking Industry. IJEFI. 2016;6(2):813-2.