Operational risk, liquidity risk and deposit mobilization by emerging banks in ghana

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Liquidity and operation risks are two of the major risks that financial institutions specifically banks are exposed to. These financial risks undermine the financial intermediation functions of emerging banks and, as a result, affect their ability to mobilize deposits. The study employs a dynamic panel data model on 15 banks from 2017 to 2021 to assess the effect of OR and LR on the deposit mobilization of emerging banks in Ghana. The results indicate that liquidity risk has a significant positive impact on the total number of deposits mobilized by the emerging banks in Ghana. The study also reports that OR reduces deposit mobilization of emerging banks in Ghana. I recommend that banks improve upon their risk management decisions and strategies to minimize the occurrence and the financial severity of these risks in banking operations.
This thesis is submitted to the kwame nkrumah university of science and technology, kumasi in partial fulfillment of the requirement for the award of (mba finance)