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Banking Sector Integration and Competition in CEMAC, Jérôme Vacher, Samer Saab

This paper considers the extent of retail banking integration in the Communauté Economique et Monétaire d'Afrique Centrale (CEMAC) and the level of bank competition at the regional level. Using a mix of quantitative and qualitative indicators, the paper finds some evidence of price convergence in average interest rate spreads. However, this observed fact is not supported by an increase in cross-border flows in retail loans and deposits, and price convergence may merely reflect excess liquidity in the region. Other data also indicate that bank competition within the CEMAC as a region is limited, complementing the findings on integration. Addressing shortfalls in legal and regulatory frameworks, infrastructure, and markets would facilitate integration
Table Of Contents
Content; I. Introduction; Boxes; 1. Institutional Economic Background; II. Overview of CEMAC's Banking Sectors; Tables; 1. Major Banking Groups, December 2004; 2. Financial Intermediation, December 2005; Figures; 1. Bank Branch Density in CEMAC and Selected African Countries; 3. Commercial Bank Branches and Employees in CEMAC, December 2004; 4. Banking Concentration, 2002-05; 5. Selected Financial Soundness Indicators by Bank Groups; III. The State of CEMAC's Banking Integration; A. Degree of Integration; 2. Liquid Assets Over Short-Term Liabilities, 2001-04; Price-based indicators
Literary Form
non fiction
Description based upon print version of record
Physical Description
1 online resource (27 p.)
Specific Material Designation
Form Of Item

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