Banking in Africa

Thorsten Beck and Robert Cull

No 2013-16, CSAE Working Paper Series from Centre for the Study of African Economies, University of Oxford

Abstract: This chapter takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, we document that African banking systems are shallow but stable. African banks are well capitalized and over-liquid, but lend less to the private sector than banks in non-African developing countries. African enterprises and households are less likely to use financial services than their peers in other developing countries. We also describe a number of financial innovations across the continent that can help overcome different barriers to financial inclusion and have helped to expand the bankable and the banked population.

Keywords: Sub-Saharan Africa; Banking; Financial Inclusion; Financial Innovation (search for similar items in EconPapers)
JEL-codes: G2 G3 (search for similar items in EconPapers)
Date: 2013
New Economics Papers: this item is included in nep-afr and nep-cfn
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (36)

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