The Impact of Delinquent Loans on Financial Performance of Banks in Ghana
Journal of Economics, Management and Trade · pp. 1–8 · Published 17 Jul 2015
10.9734/BJEMT/2015/19268Abstract
Loan portfolio is the largest asset and the biggest source of income for banks; consequently, most banks advance huge portions of financial resources as loans to clients. Despite the stringent evaluation and monitoring strategies put in place by banks to ensure repayment of loans by borrowers, a considerable proportion of loans become delinquent. Empirical evidence on the incidence of non-payment of loans on financial performance of Banks in Ghana is very limited. Consequently, this study investigates into the impact of delinquent loans on financial performance (interest income and net profit) of banks in Ghana. Glaring in this study is a statistically significant impact of delinquent loans on interest income and net profit. At α = 0.05, delinquent loans significantly affect both interest income [F (1, 48) = 119.28, P < 0.05, partial
Cited by 3
Ester Agasha, Gladness Monametsi, Tshepo Feela · Journal of Financial Risk Management · 2020
Charles Adusei, Jacob Bannerman · Theoretical Economics Letters · 2022
Evans Mokaya Momanyi, Dennis Juma, Patrick Nyatete Kenyanya · International Journal of Social Science and Humanities Research (IJSSHR) ISSN 2959-7056 (o); 2959-7048 (p) · 2023
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