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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/5562

Title: The Determinant of Bank Interest Rates Spreads in Ghana
Authors: Mettle, Frederick Agyare
Issue Date: 15-Nov-2013
Abstract: In Ghana, there is a widespread perception that interest rate spread is too wide. Banks, on the other hand, had justified the wide interest rate spread on the basis of some economic variables that affect the banks. The purpose of this study is to examine the determinants of the bank interest margin in Ghana. This study therefore examines the determinants of banking sector interest rate spreads in Ghana. Based on the availability of data, the study focused on some banking industry-specific and macroeconomic determinants of (IR) spread. This study used exploratory and explanatory approaches. The exploratory methodology was used to identify the factors affecting determination of interest rate spreads and an explanatory approach was employed to establish how the factors affect the determination of interest spread in Ghana. The study found that factors affecting the determination of interest rate spread in Ghana are GDP, Exchange Rate, Prime Rate, Treasury Bill Rate, Liquidity, Overhead Costs, Loan Loss Provisioning and Profit Margin.
Description: A Thesis Submitted to the Institute of Distance Learning, Kwame Nkrumah University of Science and Technology in partial Fulfillment of the Requirements for the Degree of M.SC Industrial Mathematics Institute of Distance Learning, KNUST. 2013
URI: http://hdl.handle.net/123456789/5562
Appears in Collections:Distance Learning

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