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

Baah Aye Kusi; Kwadjo Ansah-Adu; Isaac Owusu-Dankwa

doi:doi:10.11648/j.jfa.20150305.18

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

Baah Aye Kusi, Kwadjo Ansah-Adu, Isaac Owusu-Dankwa

Published in Journal of Finance and Accounting (Volume 3, Issue 5)

Received: 28 August 2015 Accepted: 9 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.

Published in	Journal of Finance and Accounting (Volume 3, Issue 5)
DOI	10.11648/j.jfa.20150305.18
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), 2015. Published by Science Publishing Group

Keywords

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

References

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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://article.sciencepublishinggroup.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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Author Information

Baah Aye Kusi

University of Ghana Business School, Department of Finance, Ghana-Accra, Legon
Kwadjo Ansah-Adu

Valley View University Banking and Finance Department, Ghana-Oyibi
Isaac Owusu-Dankwa

Valley View University Banking and Finance Department, Ghana-Oyibi

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Plain Text BibTeX RIS

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

Copy | Download

@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://article.sciencepublishinggroup.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}
}

Copy | Download

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  -

Copy | Download