The impact of interest rate spreads on the profitability of commercial banks in Ghana; a case study of standard Chartered bank Ghana Limited.

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dc.contributor.authorAmeevor, Samuel
dc.date.accessioned2017-01-26T15:52:44Z
dc.date.accessioned2023-04-18T23:23:59Z
dc.date.available2017-01-26T15:52:44Z
dc.date.available2023-04-18T23:23:59Z
dc.date.issuedOCTOBER, 2016
dc.descriptionA thesis submitted to the Department of Economics in partial fulfillment of the requirements for award of the degree Master of Science in Economics, en_US
dc.description.abstractFinancial intermediation is the main business of financial institutions; transferring of funds from those with excess liquidity but do not have a use for it now to those with shortage of funds but have the need for it. The existence of market imperfections resulting from information asymmetry and transaction cost, allows for some level of interest rate spread resulting from the wedge that exist between what borrowers pay and what lenders receive. The study sought to assess the impact of interest rate spreads on the profitability of Standard Charted Bank (SCB) in Ghana using annual data from 1990 to 2015.The study found evidence that interest rate spreads drives profitability for the bank. This indicates that the high trends in the interest rates spreads among banks is an avenue for the banks to make profit. The study also showed that liquidity risk, operating efficiency and Regulated Deposit Savings Rate have positive impact on profit.en_US
dc.description.sponsorshipKNUSTen_US
dc.identifier.urihttps://ir.knust.edu.gh/handle/123456789/10356
dc.language.isoenen_US
dc.titleThe impact of interest rate spreads on the profitability of commercial banks in Ghana; a case study of standard Chartered bank Ghana Limited.en_US
dc.typeThesisen_US
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