Banking in Africa

T.H.L. Beck, R. Cull

Research output: Chapter in Book/Report/Conference proceedingChapterScientificpeer-review


This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are shallow but stable. African banks are well capitalized and over-liquid, but lend less to the private sector than banks in non-African developing countries. African enterprises and households are less likely to use financial services than their peers in other developing countries. The paper also describes a number of financial innovations across the continent that can help overcome different barriers to financial inclusion and have helped to expand the bankable and the banked population
Original languageEnglish
Title of host publicationThe Oxford Handbook of Banking
EditorsA. Berger, P. Molyneux, J. Wilson
Place of PublicationOxford
PublisherOxford University Press
ISBN (Print)9780199688500
Publication statusPublished - 27 Nov 2014

Publication series

NameOxford Handbooks in Finance


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