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Re-examining the Determinants of Non-Performing Loans in Ghana’s Banking Industry: Role of the 2007–2009 Financial Crisis

Journal article
Authors Franklin Amuakwa-Mensah
George Marbuah
Dinah Ani-Asamoah Marbuah
Published in Journal of African Business
Volume 18
Pages 357-379
ISSN 15228916
Publication year 2017
Published at
Pages 357-379
Language en
Links ttps://
Keywords bad debt, banking industry, financial crisis, Ghana, NPLs, system GMM
Subject categories Economics and Business


© 2017 Informa UK Limited, trading as Taylor & Francis. This paper uses robust econometric methods to estimate the determinants of non-performing loans (NPLs) with a specific focus on the role of the 2007–2009 financial crisis in explaining NPLs in the banking industry of Ghana. Findings suggest that non-performing loans are significantly affected by bank-specific, industry, and macroeconomic variables. We observed heterogeneity in the determinants of NPLs for sub-samples of the data. The effect of the financial crisis on NPLs is observed to be conditional on the level of credit risk in our sub-sample analysis. The results from the impulse response corroborate that of the regression estimation.

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