@incollection{, C79C13DE077502622BE84366807E41B0 , author={{David KwashieGarr} and {David MensahAwadzie} and {Presbyterian University College}}, journal={{Global Journal of Management and Business Research}}, journal={{GJMBR}}2249-45880975-585310.34257/GJMBR, address={Cambridge, United States}, publisher={Global Journals Organisation}2126774 } @book{b0, , title={{Credit Risk, Capital Structure and Lending Decisions of Banks in Ghana, Banks and Bank Systems}} , author={{ MAmidu } and { RHinson }} , year={2006} 1 } @book{b1, , title={{Annual Reports of All Commercial Banks in Ghana for the Period}} , year={1990 to 2010} } @book{b2, , title={{}} , author={{ KBrown } and { PMoles }} , year={2014} Credit Risk Management. Edinburgh Business School. Horriet-Watt University } @incollection{b3, , title={{Concentration and other determinants of bank profitability in Europe}} , author={{ PBourke }} , journal={{North America and Australia. Journal of Banking and Finance}} 13 , year={1989} } @book{b4, , title={{Financial Sector Development in the Middle East and North Africa}} , author={{ SCreane } and { GARishi } and { AMMobarak } and { RSab }} , year={2004} IMF Working Paper. Middle East and Central Asia Department } @incollection{b5, , title={{Determinants of Credit Risk in Indian State-Owned Banks: An Empirical Investigation}} , author={{ ADas } and { SGhosh }} , journal={{Economic Issues}} 12 2 , year={2007} } @incollection{b6, , title={{Determinants of Commercial Bank Interest margins and Profitability: Some International Evidence}} , author={{ ADemirguc-Kunt } and { HHuizinga }} , journal={{Policy Research Working Paper No. wps}} , year={1998. 1900} } @book{b7, , title={{A Framework for Analysing Competition in the Banking Sector. An Application to the Case of Jordan. The World Bank. Finance and Private Sector Development Team}} , author={{ MS MDemirguc-Kunt & Peria }} , year={2010} Development Research Group , note={Policy Research Working Paper 5499} } @incollection{b8, , title={{Financial Intermediation and Delegated Monitoring}} , author={{ DDiamond }} , journal={{Review of Economic Studies}} , year={1984. July} } @incollection{b9, , title={{Distribution of the Estimators for Autoregressive Time Series with a Unit Root}} , author={{ DADickey } and { WAFuller }} , journal={{Journal of the American Statistical Association}} 74 , year={1979} } @book{b10, , title={{What Determines the Profitability of Commercial Banks?}} , author={{ ADietrich } and { GWanzenried }} , year={2009} New Evidence from Switzerland } @incollection{b11, , title={{Banking in the Theory of Finance}} , author={{ EFFama }} , journal={{Journal of Monetary Economics}} 6 , year={1980} , publisher={North-Holland Publishing Company} } @book{b12, , title={{The Determinants of Commercial Bank Profitability in Sub-Saharan Africa}} , author={{ VFlamini } and { CMcdonald } and { LSchumacher }} , year={2009} , publisher={International Monetary Fund} , note={IMF Working Paper African Department} } @book{b13, , title={{Determinants of Interest Rate Spreads in Sub-Saharan African Countries: A Dynamic Panel Analysis. A paper prepared for the 13th Annual African Econometrics Society Conference}} , author={{ AFolawewo } and { DTennant }} , year={2008. 9 -11 July, 2008} 26 , address={Pretoria, Republic of South Africa} } @incollection{b14, , title={{Preventing Banking Crises}} , author={{ JAFrankel } and { WCCaprioJr } and { Hunter }} , booktitle={{Preventing Bank Crises: Lessons from Recent Global Bank Failures}} , editor={ &D MKaufman Leipziger } , year={2001} } @book{b15, , title={{The International Bank for Reconstruction and Development/The World Bank}} , author={{ DCWashington }} } @book{b16, , title={{Money, Interest, and Banking in Economic Development}} , author={{ MFry }} , year={1995} , publisher={Johns Hopkins University Press} , address={Baltimore} , note={Second Edition} } @book{b17, , title={{Determinants of Credit Risk in the Banking Industry of Ghana. Developing Country Studies}} , author={{ DKGarr }} , year={2013. 2013} 3 } @book{b18, , title={{Macroeconomic Volatility and Credit Risk Management in the Banking Industry of Ghana. A Thesis Submitted in Partial Fulfillment of the Requirements for the Degree of Doctor of Philosophy (Business Administration). Centre of Graduate Studies}} , author={{ DKGarr }} , year={2016} , publisher={Open University Malaysia} } @book{b19, , title={{Credit Portfolio Management}} , author={{ TGarside } and { HStott } and { AStevens }} , year={1999} } @incollection{b20, , title={{Credit Risk Modelling and Valuation: An Introduction}} , author={{ Oliver } and { KWyman & Company Pp. 1. Gieseche }} , booktitle={{Credit Risk: Models and Management}} London , year={2004} 2 Cornell University } @book{b21, , title={{Financial Structure and Development}} , author={{ RWGoldsmith }} , year={1969} , publisher={Yale Univesity Press} , address={New Haven, CT} } @book{b22, , title={{Analyzing Banking Risk}} , author={{ HGreuning } and { SBBratanovic }} , year={2000} , publisher={The World Bank} , address={Washington, D. C.} } @book{b23, , title={{International Banking Operations. Mumbai: 'The Arcade}} , year={2008} , address={World Trade Centre, Cuffe Parade} Indian Institute of Banking & Finance } @book{b24, , title={{Determinants of Net Interest Margin in the Albanian Banking System}} , author={{ IKalluci }} , year={2011} } @book{b25, , title={{Credit Risk and the Performance of Nigerian Banks}} , author={{ HSKargi }} , year={2011} , address={Zaria} Ahmadu Bello University } @book{b26, , title={{Analytic Basis of the Working of Monetary Policy in Less Developed Countries}} , author={{ DRKhatkhate }} , year={1972} , note={IMF Staff Paper 19} } @incollection{b27, , title={{Credit Risk and Commercial Banks' Performance in Nigeria: A Panel Model Approach}} , author={{ TFKolapo } and { RKAyeni } and { MOOke }} , journal={{Australian Journal of Business and Management Research}} 2 , year={2012} } @incollection{b28, , title={{The Argentine Banking Crisis: Observations and Lessons}} , author={{ DMLeipziger }} , booktitle={{Preventing Bank Crises: Lessons from Recent Global Bank Failures}} , editor={ GCaprioJr WCHunter GG MKaufman & D Leipziger } , year={2001} } @book{b29, , title={{The International Bank for Reconstruction and Development/The World Bank}} , author={{ DCWashington }} } @incollection{b30, , title={{Money and Capital in Economic Development}} , author={{ RIMckinnon }} , journal={{Brookings Institution}} , year={1973} } @incollection{b31, , title={{On the Pricing of Corporate Debt: The Risk Structure of Interest Rates}} , author={{ RCMerton }} , journal={{Journal of Finance}} 29 , year={1974} } @book{b32, , title={{Preventing Bank Crises: Lessons from Recent Global Bank Failures 21}} , author={{ MHMoskow } and { WCCaprioJr } and { Hunter }} , editor={Kaufman & D. M. Leipziger} , year={2001} , note={Regulatory Efforts to Prevent Banking Crises} } @book{b33, , title={{The International Bank for Reconstruction and Development/The World Bank}} } @book{b34, , title={{An empirical analysis of interest rate spread in Kenya. Nairobi: African Economic Research Consortium}} , author={{ RWNgugi }} , year={2001} , note={Research Paper 106} } @incollection{b35, , title={{The Impact of Interest Rate Spread on the Performance of the Nigerian banking Industry}} , author={{ PCObideke } and { GCEjeh } and { SUUgwuegbe }} , journal={{Journal of Economics and Sustainable Development}} 2222-2855 6 12 , year={2015} } @book{b36, , title={{Bank Risk Management: Theory, Research Program in Finance}} , author={{ DHPyle }} RPF- 272 , year={1997} , note={Working Paper} } @book{b37, , title={{Risk Management in Banks. Chartered Accountant}} , author={{ RRaghavan }} , year={2003. March 1, 2011} } @incollection{b38, , title={{}} , author={{ PSRose } and { SCHudgins }} , journal={{Bank Management & Financial Series}} , year={2008} , note={7th Edition} } @book{b39, , title={{}} , author={{ McgrawHill } and { /Irwin }} } @book{b40, , title={{Credit Risk Assessment for the Banking Sector of Northern Cyprus, Bank and Bank Systems}} , author={{ OVSafakli }} , year={2007} 2 } @incollection{b41, , title={{Performance and Financial Ratios of Commercial Banks in Malaysian and China}} , author={{ MRSaid } and { MHTumin }} , journal={{International Review of Business Research papers}} 7 2 , year={2011} } @incollection{b42, , title={{Commercial Bank Risk Management: An Analysis of the Process}} , author={{ AMSantomero }} , journal={{Financial Institutions Centre, the Wharton School}} , year={1996} } @book{b43, , author={{ ASaunders } and { MMCornett }} , title={{Financial Institutions Management}} , publisher={McGraw-Hill/Irwin} , year={2008} , note={th ed} } @book{b44, , title={{Commercial Banking Financial Management in the Financial Services Industry}} , author={{ JFSinkeyJr }} , year={1992} , publisher={Macmillan Publishing Company} , address={New York} , note={4th ed)} } @book{b45, , title={{The Theory of Economic Development. An Inquiry into Profits, Capital, Credit, Interest, and the Business Cycle}} , author={{ JASchumpeter }} , year={1934. 1980} , publisher={Reprint Oxford University Press} , address={Cambridge, Mass} } @book{b46, , title={{Financial Deepening in Economic Development}} , author={{ ESShaw }} , year={1973} , publisher={Oxford University Press} , address={London} } @incollection{b47, , title={{Are Interest Rate Spreads in Jamaica too Large? Views from within the Financial Sector}} , author={{ DTennant }} , journal={{Social and Economic Studies}} 55 3 , year={2006} } @book{b48, , title={{Preventing Bank Crises: Lessons from Recent Global Bank Failures}} , author={{ VThomas }} , year={2001} } @book{b49, , title={{The International Bank for Reconstruction and Development/ The World Bank}} , author={{ DCWashington }} }