Journal of Finance and Accounting

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Information Sharing Regulation Introduction and Bank Industry Performance: A Pre and Post Analyses from Ghana

Received: 28 August 2015    Accepted: 09 September 2015    Published: 18 September 2015
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Abstract

This study assessed credit growth, asset quality and profitability in the banking industry of Ghana during pre and post information sharing eras. The study employed industry level financial ratios to derive means, standard deviations and pearson correlations. The study further employed t-test to test for significant difference in bank performance during pre and post information sharing ears. The results indicate that the Ghanaian banking industry improved in all profitability measure during post-information sharing era. Also, deteriorating asset quality measures were stabilized during post-information sharing era. Furthermore, the study finds that there was a significant difference in non - performing loans ratio in the two information sharing eras. These findings are consistent with earlier findings. Hence the study recommends the establishment of Information Sharing Institutions (ISI), expanding the coverage of ISI and publicizing information sharing in emerging economies so as to strengthen the stability and soundness of the banking system.

DOI 10.11648/j.jfa.20150305.18
Published in Journal of Finance and Accounting (Volume 3, Issue 5, September 2015)
Page(s) 164-171
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.

Copyright

Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

Information Sharing, Credit Growth, Asset Quality, Profitability and Financial Ratios

References
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Author Information
  • University of Ghana Business School, Department of Finance, Ghana-Accra, Legon

  • Valley View University Banking and Finance Department, Ghana-Oyibi

  • Valley View University Banking and Finance Department, Ghana-Oyibi

Cite This Article
  • APA Style

    Baah Aye Kusi, Kwadjo Ansah-Adu, Isaac Owusu-Dankwa. (2015). Information Sharing Regulation Introduction and Bank Industry Performance: A Pre and Post Analyses from Ghana. Journal of Finance and Accounting, 3(5), 164-171. https://doi.org/10.11648/j.jfa.20150305.18

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    ACS Style

    Baah Aye Kusi; Kwadjo Ansah-Adu; Isaac Owusu-Dankwa. Information Sharing Regulation Introduction and Bank Industry Performance: A Pre and Post Analyses from Ghana. J. Finance Account. 2015, 3(5), 164-171. doi: 10.11648/j.jfa.20150305.18

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    AMA Style

    Baah Aye Kusi, Kwadjo Ansah-Adu, Isaac Owusu-Dankwa. Information Sharing Regulation Introduction and Bank Industry Performance: A Pre and Post Analyses from Ghana. J Finance Account. 2015;3(5):164-171. doi: 10.11648/j.jfa.20150305.18

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  • @article{10.11648/j.jfa.20150305.18,
      author = {Baah Aye Kusi and Kwadjo Ansah-Adu and Isaac Owusu-Dankwa},
      title = {Information Sharing Regulation Introduction and Bank Industry Performance: A Pre and Post Analyses from Ghana},
      journal = {Journal of Finance and Accounting},
      volume = {3},
      number = {5},
      pages = {164-171},
      doi = {10.11648/j.jfa.20150305.18},
      url = {https://doi.org/10.11648/j.jfa.20150305.18},
      eprint = {https://download.sciencepg.com/pdf/10.11648.j.jfa.20150305.18},
      abstract = {This study assessed credit growth, asset quality and profitability in the banking industry of Ghana during pre and post information sharing eras. The study employed industry level financial ratios to derive means, standard deviations and pearson correlations. The study further employed t-test to test for significant difference in bank performance during pre and post information sharing ears. The results indicate that the Ghanaian banking industry improved in all profitability measure during post-information sharing era. Also, deteriorating asset quality measures were stabilized during post-information sharing era. Furthermore, the study finds that there was a significant difference in non - performing loans ratio in the two information sharing eras. These findings are consistent with earlier findings. Hence the study recommends the establishment of Information Sharing Institutions (ISI), expanding the coverage of ISI and publicizing information sharing in emerging economies so as to strengthen the stability and soundness of the banking system.},
     year = {2015}
    }
    

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  • TY  - JOUR
    T1  - Information Sharing Regulation Introduction and Bank Industry Performance: A Pre and Post Analyses from Ghana
    AU  - Baah Aye Kusi
    AU  - Kwadjo Ansah-Adu
    AU  - Isaac Owusu-Dankwa
    Y1  - 2015/09/18
    PY  - 2015
    N1  - https://doi.org/10.11648/j.jfa.20150305.18
    DO  - 10.11648/j.jfa.20150305.18
    T2  - Journal of Finance and Accounting
    JF  - Journal of Finance and Accounting
    JO  - Journal of Finance and Accounting
    SP  - 164
    EP  - 171
    PB  - Science Publishing Group
    SN  - 2330-7323
    UR  - https://doi.org/10.11648/j.jfa.20150305.18
    AB  - This study assessed credit growth, asset quality and profitability in the banking industry of Ghana during pre and post information sharing eras. The study employed industry level financial ratios to derive means, standard deviations and pearson correlations. The study further employed t-test to test for significant difference in bank performance during pre and post information sharing ears. The results indicate that the Ghanaian banking industry improved in all profitability measure during post-information sharing era. Also, deteriorating asset quality measures were stabilized during post-information sharing era. Furthermore, the study finds that there was a significant difference in non - performing loans ratio in the two information sharing eras. These findings are consistent with earlier findings. Hence the study recommends the establishment of Information Sharing Institutions (ISI), expanding the coverage of ISI and publicizing information sharing in emerging economies so as to strengthen the stability and soundness of the banking system.
    VL  - 3
    IS  - 5
    ER  - 

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