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Analysis of non-interest income of commercial banks in Ghana

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posted on 2023-05-21, 06:35 authored by Damankah, BS, Anku-Tsede, O, Albert AmankwaaAlbert Amankwaa
Banks in recent times have changed their focus from depending heavily on interest income to generating revenue from fee generating activities. This paper identifies and discusses some factors common with banks that engage in non-interest earning activities in Ghana. It was found that smaller banks are more involved in non-interest earning activities, relative to their larger counterparts. Higher interest income, customer deposits, exposure to risk and liquidity are also found to be common factors among banks in Ghana that concentrate more non-interest income generation. The Central Bank’s Prime rates also affect banking operations and is positively related to bank’s engagement in nontraditional activities. These results have implications for bank regulators, who must institute regulations toward harmonizing the various sources of bank income as against likely exposures to risk.

History

Publication title

International Journal of Academic Research in Accounting, Finance and Management Sciences

Volume

4

Issue

4

Pagination

263-271

ISSN

2225-8329

Department/School

TSBE

Publisher

Human Resource Management Academic Research Society

Place of publication

Pakistan

Rights statement

© 2014 HRMARS. Licensed under Creative Commons Attribution 4.0 International https://creativecommons.org/licenses/by/4.0/legalcode

Repository Status

  • Open

Socio-economic Objectives

Expanding knowledge in commerce, management, tourism and services

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