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Bank regulation, supervision and lending: empirical evidence from selected sub-Saharan African countries

Retselisitsoe Thamae and Nicholas Odhiambo

No 29839, Working Papers from University of South Africa, Department of Economics

Abstract: This study investigates the impact of bank regulation and supervision on bank credit in 23 sub-Saharan African (SSA) countries and their low- and middle-income groups from 1995 to 2017. The long-run results indicated that stringent entry barriers and supervisory power reduced bank lending, but supervisory power mitigated the negative effect of entry barriers. Furthermore, positive shocks to entry barriers impacted negatively on bank credit, while negative shocks to capital requirements had an adverse impact on lending. In the short run, positive shocks to entry barriers, activity restrictions and capital regulations led to increases in bank credit, particularly in low-income SSA economies.

Keywords: bank regulation; bank lending; common correlated effects; linear and nonlinear panel ARDL; sub-Saharan Africa (search for similar items in EconPapers)
Date: 2022-12
New Economics Papers: this item is included in nep-afr and nep-fdg
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