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首页> 外文期刊>International Journal of Economics and Finance >Analysis of Financial Intermediation and Profitability: “A Case Study of the Ghanaian Banking Industry”
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Analysis of Financial Intermediation and Profitability: “A Case Study of the Ghanaian Banking Industry”

机译：金融中介与盈利能力分析：“加纳银行业的案例研究”

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The study examines the extent to which banks in Ghana have performed their financial intermediation function and its implication for profitability.Secondary data which was solicited from the Headquarters of the eight largest banks in Ghana was obtained from their financial reports from 2004 to 2010.Using descriptive examination technique, it is observed that all the banks performed creditably well within the period under study though the private banks performed better than the state-owned banks.Additionally, on the average, banks that mobilized the most deposits were also the ones that recorded most loans and advances.Interestingly, the study finds however that banks that made the most loans and advances were not necessarily those that made most profits.It is recommended that to remain profitable in the banking business in Ghana, management must not only put strategies in place to mobilize deposits and make out loans and advances but also institute procedures to efficiently manage cost.Furthermore, government must also put policies in place to motivate banks mobilize more deposits and make out more loans to deepen the financial system.
机译：该研究探讨了加纳银行在加纳的金融中介职能和其盈利含义的范围。从加纳八大银行的总部征求的资料是从2004年至2010年的财务报告获得的。使用描述性考试技术，据指出，所有银行在研究期间都在研究期间表现良好，尽管私人银行比国有银行更好地表现优于国有银行，但在平均而言，动员最多存款的银行也是最多的银行贷款和进步。然而，该研究发现，该银行使得最多的贷款和进步的银行不一定是那些制定了大多数利润的银行。建议在加纳银行业务中仍然盈利，管理层不仅必须将策略纳入地位动员存款并制定贷款和进展，而且还可以有效地管理成本的程序.Furtimore，政府还必须将政策制定到激励银行的动力调动更多存款，并制定更多贷款来加深金融体系。

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