The impact of regulation on the performance of universal banks in Ghana
Date
2019-04
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Abstract
This research paper studies the impact of banking regulations on the
performance of universal banks in Ghana. The study uses OLS regression for panel
data to analyze the impact of the banking regulations on profitability and efficiency
metrics of six universal banks listed on the Ghana Stock Exchange. The research uses
data collected from 2005 to 2017. The first aim of the study is to identify previous
regulatory changes and their impact on the performance of the universal banks. The
second aim is to forecast the impact of future regulations on universal banks after the
recent Ghana banking crisis. The use of capital adequacy ratio as the sole regulation is
because of the recent banking crisis that mainly affected universal and commercial
banks. The results of the study show that banking regulation has a positive
relationship with return on assets, but a negative relationship with operating expense ratio.
Description
Undergraduate thesis submitted to the Department of Business Administration, Ashesi University, in partial fulfillment of Bachelor of Science degree in Business Administration, April 2019
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Keywords
Ghana, regulations, universal banks, performance, Ghanaian banking crisis