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Posted on Aug 26, 2024

this is the financial data. shows the deposits this is the finacial data. shows the loans and advances INSTRUCTIONS This assignment requires knowledge on the

this is the financial data. shows the deposits

this is the finacial data. shows the loans and advances

INSTRUCTIONS This assignment requires knowledge on the various measures in computing industry concentrations we learnt during the course. The task involves retrieving financial data on Banks in Ghana for the period 2010 to 2017 for all banks in Ghana within the stated period. Answer the following questions based on the data QUESTIONS (70 MARKS) 1. Determine the total asset of cach bank in cach year and provide this information in a Table, where column refers to years and rows refer to the bank specific total asset for the year. 2. Calculate the four-firm concentration ratio in the banking industry in Ghana for each year using total assets. 3. Based on the four-firm concentration ratios calculated in 2 above, determine the level of competition among banks in Ghana 4. Calculate the four-firm concentration ratio in the banking industry in Ghana for cach ycar using deposits 5. Calculate the four-firm concentration ratio in the banking industry in Ghana for each year using loan advances 6. Is there any difference between the interpretation for the four-firm concentration ratio calculated using total assets, deposits and loan advances? 7. Calculate the Herfindahl-Hirschman Index (HHI) for each year using total assets and comment on the level of competition among banks in Ghana & Calculate the Herfindahl-Hirschman Index (HHI) for each year using deposits and comment on the level of competition among banks in Ghana. 9. Calculate the Herfindahl-Hirschman Index (HHT) for cach year using loan advances and comment on the level of competition among banks in Ghana 10. Which of the years would the level of competition in the banking industry in Ghana be welfare improving from the perspective of customers based on the calculated four-firm concentration ratios in question (1) and why? 11. Are your conclusions for HHI consistent with the four-firm concentration in all cases? Give two reasons to support your answer TOTAL ASSETS DEPOSITS LOANS AND ADVANCES BANKS IN GHANA 2010 2011 2012 2013 2014 2015 2016 2017 DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT FEDILITY BANK 548,029,272 896.644,000 LORO.389.000 1.355,980,000 1.777.313.000 1.231.722.000 792.971.000 3.843.312.000 STANDARD CHARTERED 1.092.442,000 1.479,687,000 1,704,195.000 1.779,100,000 2,198 585,000 2.422,3x2.000 3.197.673,000 3,420,164,000 CAL BANK 296,625,000 611.719,000 794,556,000 833.809,000 1.395.841,000 1,544.523.00 2,312,391,000 2.428,201.000 GHANA COMMERCIAL 1.575.281,050 2,061,390,000 2.334,608.000 2.630.263.000 3,078.071.000 3.368.406,000 4.279,775,000 6,842.236.000 BARCLAYS BANK 1.093,655,000 1,331,782,000 1,454,286.000 2.033,073.000 2,033,673,000 2.329,201.000 2.853313,000 3.161.861.000 LCOBANK 1,116,332,000 1,540,670,00 2,407,615,000 3.220,777,000 4,028, 124.000 4,664,513.000 5,316,625,000 6,447,818,000 SAHEL SAHARA BANK 41,388,736 39.617,898 106,907,738 124,726,91 207.358,465 297,59922 325,090,647 3473416209 ACESS BANK 91845000 165286000 545352000 726,982.000 1.199.681.000 1.726,227.000 1.726,227,000 2.131.329,000 PRUDENTIAL BANK 339302552 459460000 555195000 693129000 884.720,000 1,091,662,000 1.325,008,000 1,465,665,000 ZENITH BANK 525195000 576852223 780684242 1066193105 1846745159 2010077972 2637944348 GT BANK 28689166 266006153 476122180 66112465 788 579,000 788.579.000 1467121000 1111111000 HFC BANK 156,874,543 230,709.943 312.963.215 453,589,000 660,933,000 1.189,454.000 1.558,210,000 1,738,195.000 NATIONAL INVESTMENT BANK 700.529,061 1.189.951.000 1.343.814.000 1.781,931.000 SG-SSB BANK 495397719 625822657 859065205 926129603 1127429783 1,397,430,483 1.791,064,063 198298745 ENERGY BANK 107,306,608 115,765,018 92,617.815 166,943.133 214,585,584 228.851,267 246,756,703 THE TRUST BANK 2,903,675,000 3.477,421,000 3,738,212.000 4,070,163.000 4,099, 145,000 4.115.494.000 4,410,714,000 5,346,373,000 APEX BANK 120392,348 134,692.20N 193,432,841 199,172.156 208.245.135 5.236,817 27.97.990 ADB BANK 536,079,33 27,711,000 965,018.000 1,061,102.000 1,462,139,000 1.513.500.000 2.147.450,000 2,541.010,000 UT BANK 377,286,000 545,808,000 797,782,000 920.261,000 965.627.000 FIRST HERITAGE BANK 298,167,000 404 165 000 306,611.000 383.946,000 GHL BANK 18,146.237 22,485,780 OMI BANK 28743775 169504792 1506/2016 309,074,867 3,473,416.200 FIRST ALTANTIC BANK $11.618,975 169,667.750 1,042.813,52 1,378 %1,100 UNITED MERCHANT BANK 898,220,000 1.405,009,000 UNITED BANK OF AFRICA GRANA 370,733,114 295.625,250 364,043,606 400,458,478 548,160,852 4.9.197,000 743.278,000 CAPITAL BANK 436138169 6665177 STANBIC BANK 3.595.18,000 3.161.159,000 BANK OF BARODA 181477,707 FIRST NATIONAL BANK 135.398,000 103.374,000 FIRST BANK NIGIRIA. GHANA 166.464,004 207,510 293 291,167,52 ROYAL BANK 461,059,180 4,158.786 UNI BANK GHANA Financial Data DEPOSITS LOANS AND ADVANCES TOTAL ASSETS BANKS IN GHANA 2017 LOANS 1,026,794,000 1,385,696,000 1.853,674,000 2,099,330,000 104676754 2,685,759,000 2593012000 249.797.797 396465000 809,926.000 2010 2011 2012 2013 2014 2015 2016 LOANS LOANS LOANS LOANS LOANS LOANS LOANS FIDELITY BANK 212,046,833 409,578,000 636,763,000 805,967,000 1.559.530,000 578,203,000 718,401,000 STANDARD CHARTERED 467,152,000 596,724.00 959,597,000 1,130,244.000 1,278,362.000 1.219.459.000 1.262,636,000 CAL BANK 256,634.000 411,582,000 747,385,000 980,407,000 1.337,205.000 1.805.115,000 1,966,394,000 GHANA COMMERCIAL BANK 1,003,682,422 476,211,000 847,872,000 960,707.000 1.240.577.000 1.492.623.000 1.412,977.000 ZENITH BANK 269893000 200.554.868 326,376,194 676782866 1097357356 983074431 1012054649 ECOBANK 496,043,000 848,459,000 1,394,967,000 2,124,530,000 2,707,093.000 3,116,749.000 3,480,471,000 SAHEL SAHARA BANK 24.165.490 31.170.768 65,155,201 90,645.793 115,027.639 191.447.207 258.013.151 BARCLAYS BANK 451918000 588626000 708923000 887,042.000 1.176,759.000 1.663.080,000 2,093,662,000 FIRST ATLANTIC BANK 337,300,161 370.400,176 233,156,314 BEIGE CAPITAL BANK 312.542.985 415.770,723 GT BANK 137160748 11362182 234209197 296848116 475164000 637880000 626562000 HFC BANK 180.290.246 210.361.885 335,814,761 516,063.000 664.875.000 924.736,000 919,964,000 NATIONAL INVESTMENT BANK 449,657,856 $15,624,000 769,594,000 755 320,000 ACESS BANK 123014000 148949000 292445000 187573000 212184000 1211825000 1285612000 PRUDENTIAL BANK 225,514.896 293,261,000 425,207,000 525,485.000 760,450,000 849.648,000 913,471,000 THE TRUST BANK 1.359,148.000 1,143,760,000 1.020,196,000 1.038,025.000 1,010,191.000 1,006,336,000 822,196,000 APEX BANK 7.865,437 12,191,352 40,199,04 29,173,498 18.756,873 16,464,372 ADB BANK 576,986,904 678,747,000 773,694,000 914,350,000 1.124,139,000 1,088,071,000 10,005,302,000 UT BANK 315.297.000 475.232.000 679,648,000 917,053,000 1.197,423.000 SG-SSB LIMITED BANK 298,750,342 344.545.55 520,100,260 740,402,911 883,044.221 900.961.822 942,307,572 ENERGY BANK 6,020,889 16,616,224 13,689,042 29,075,926 32.919.226 88,980,628 STANBIC BANK 1,677,234,000 FIRST NATIONAL BANK 1.365.000 3,289,000 OMI BANK 19822292 54260614 90254379 9478512N BANK OF BARODA UNIVERSAL MERCHANT BANK 640,093,000 754,906,000 BANK OF AFRICA GHANA 187.888.510 196.217.569 305.099,221 334,015,917 338.549,441 387.193,04 447,086,061 FIRST BANK OF NIGERIA GHANA 155.755,674 120,741,921 UNIVERSAL MERCHANT BANK 640.093,000 752,906,000 BANK OF AFRICA GHANA 338,549.441 387,493,94 447,016,061 ROYAL BANK 683.162,519 578,600,684 UNI BANK GHANA 877,675.000 925.815.000 2,469,598.000 29,907,290 1,139,356,000 1.409,551.517 88.813,014 1.874,757.000 28.518.000 143,319.409 495,750,311 66,706,038 730,961.000 495,750,311 INSTRUCTIONS This assignment requires knowledge on the various measures in computing industry concentrations we learnt during the course. The task involves retrieving financial data on Banks in Ghana for the period 2010 to 2017 for all banks in Ghana within the stated period. Answer the following questions based on the data QUESTIONS (70 MARKS) 1. Determine the total asset of cach bank in cach year and provide this information in a Table, where column refers to years and rows refer to the bank specific total asset for the year. 2. Calculate the four-firm concentration ratio in the banking industry in Ghana for each year using total assets. 3. Based on the four-firm concentration ratios calculated in 2 above, determine the level of competition among banks in Ghana 4. Calculate the four-firm concentration ratio in the banking industry in Ghana for cach ycar using deposits 5. Calculate the four-firm concentration ratio in the banking industry in Ghana for each year using loan advances 6. Is there any difference between the interpretation for the four-firm concentration ratio calculated using total assets, deposits and loan advances? 7. Calculate the Herfindahl-Hirschman Index (HHI) for each year using total assets and comment on the level of competition among banks in Ghana & Calculate the Herfindahl-Hirschman Index (HHI) for each year using deposits and comment on the level of competition among banks in Ghana. 9. Calculate the Herfindahl-Hirschman Index (HHT) for cach year using loan advances and comment on the level of competition among banks in Ghana 10. Which of the years would the level of competition in the banking industry in Ghana be welfare improving from the perspective of customers based on the calculated four-firm concentration ratios in question (1) and why? 11. Are your conclusions for HHI consistent with the four-firm concentration in all cases? Give two reasons to support your answer TOTAL ASSETS DEPOSITS LOANS AND ADVANCES BANKS IN GHANA 2010 2011 2012 2013 2014 2015 2016 2017 DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT DEPOSIT FEDILITY BANK 548,029,272 896.644,000 LORO.389.000 1.355,980,000 1.777.313.000 1.231.722.000 792.971.000 3.843.312.000 STANDARD CHARTERED 1.092.442,000 1.479,687,000 1,704,195.000 1.779,100,000 2,198 585,000 2.422,3x2.000 3.197.673,000 3,420,164,000 CAL BANK 296,625,000 611.719,000 794,556,000 833.809,000 1.395.841,000 1,544.523.00 2,312,391,000 2.428,201.000 GHANA COMMERCIAL 1.575.281,050 2,061,390,000 2.334,608.000 2.630.263.000 3,078.071.000 3.368.406,000 4.279,775,000 6,842.236.000 BARCLAYS BANK 1.093,655,000 1,331,782,000 1,454,286.000 2.033,073.000 2,033,673,000 2.329,201.000 2.853313,000 3.161.861.000 LCOBANK 1,116,332,000 1,540,670,00 2,407,615,000 3.220,777,000 4,028, 124.000 4,664,513.000 5,316,625,000 6,447,818,000 SAHEL SAHARA BANK 41,388,736 39.617,898 106,907,738 124,726,91 207.358,465 297,59922 325,090,647 3473416209 ACESS BANK 91845000 165286000 545352000 726,982.000 1.199.681.000 1.726,227.000 1.726,227,000 2.131.329,000 PRUDENTIAL BANK 339302552 459460000 555195000 693129000 884.720,000 1,091,662,000 1.325,008,000 1,465,665,000 ZENITH BANK 525195000 576852223 780684242 1066193105 1846745159 2010077972 2637944348 GT BANK 28689166 266006153 476122180 66112465 788 579,000 788.579.000 1467121000 1111111000 HFC BANK 156,874,543 230,709.943 312.963.215 453,589,000 660,933,000 1.189,454.000 1.558,210,000 1,738,195.000 NATIONAL INVESTMENT BANK 700.529,061 1.189.951.000 1.343.814.000 1.781,931.000 SG-SSB BANK 495397719 625822657 859065205 926129603 1127429783 1,397,430,483 1.791,064,063 198298745 ENERGY BANK 107,306,608 115,765,018 92,617.815 166,943.133 214,585,584 228.851,267 246,756,703 THE TRUST BANK 2,903,675,000 3.477,421,000 3,738,212.000 4,070,163.000 4,099, 145,000 4.115.494.000 4,410,714,000 5,346,373,000 APEX BANK 120392,348 134,692.20N 193,432,841 199,172.156 208.245.135 5.236,817 27.97.990 ADB BANK 536,079,33 27,711,000 965,018.000 1,061,102.000 1,462,139,000 1.513.500.000 2.147.450,000 2,541.010,000 UT BANK 377,286,000 545,808,000 797,782,000 920.261,000 965.627.000 FIRST HERITAGE BANK 298,167,000 404 165 000 306,611.000 383.946,000 GHL BANK 18,146.237 22,485,780 OMI BANK 28743775 169504792 1506/2016 309,074,867 3,473,416.200 FIRST ALTANTIC BANK $11.618,975 169,667.750 1,042.813,52 1,378 %1,100 UNITED MERCHANT BANK 898,220,000 1.405,009,000 UNITED BANK OF AFRICA GRANA 370,733,114 295.625,250 364,043,606 400,458,478 548,160,852 4.9.197,000 743.278,000 CAPITAL BANK 436138169 6665177 STANBIC BANK 3.595.18,000 3.161.159,000 BANK OF BARODA 181477,707 FIRST NATIONAL BANK 135.398,000 103.374,000 FIRST BANK NIGIRIA. GHANA 166.464,004 207,510 293 291,167,52 ROYAL BANK 461,059,180 4,158.786 UNI BANK GHANA Financial Data DEPOSITS LOANS AND ADVANCES TOTAL ASSETS BANKS IN GHANA 2017 LOANS 1,026,794,000 1,385,696,000 1.853,674,000 2,099,330,000 104676754 2,685,759,000 2593012000 249.797.797 396465000 809,926.000 2010 2011 2012 2013 2014 2015 2016 LOANS LOANS LOANS LOANS LOANS LOANS LOANS FIDELITY BANK 212,046,833 409,578,000 636,763,000 805,967,000 1.559.530,000 578,203,000 718,401,000 STANDARD CHARTERED 467,152,000 596,724.00 959,597,000 1,130,244.000 1,278,362.000 1.219.459.000 1.262,636,000 CAL BANK 256,634.000 411,582,000 747,385,000 980,407,000 1.337,205.000 1.805.115,000 1,966,394,000 GHANA COMMERCIAL BANK 1,003,682,422 476,211,000 847,872,000 960,707.000 1.240.577.000 1.492.623.000 1.412,977.000 ZENITH BANK 269893000 200.554.868 326,376,194 676782866 1097357356 983074431 1012054649 ECOBANK 496,043,000 848,459,000 1,394,967,000 2,124,530,000 2,707,093.000 3,116,749.000 3,480,471,000 SAHEL SAHARA BANK 24.165.490 31.170.768 65,155,201 90,645.793 115,027.639 191.447.207 258.013.151 BARCLAYS BANK 451918000 588626000 708923000 887,042.000 1.176,759.000 1.663.080,000 2,093,662,000 FIRST ATLANTIC BANK 337,300,161 370.400,176 233,156,314 BEIGE CAPITAL BANK 312.542.985 415.770,723 GT BANK 137160748 11362182 234209197 296848116 475164000 637880000 626562000 HFC BANK 180.290.246 210.361.885 335,814,761 516,063.000 664.875.000 924.736,000 919,964,000 NATIONAL INVESTMENT BANK 449,657,856 $15,624,000 769,594,000 755 320,000 ACESS BANK 123014000 148949000 292445000 187573000 212184000 1211825000 1285612000 PRUDENTIAL BANK 225,514.896 293,261,000 425,207,000 525,485.000 760,450,000 849.648,000 913,471,000 THE TRUST BANK 1.359,148.000 1,143,760,000 1.020,196,000 1.038,025.000 1,010,191.000 1,006,336,000 822,196,000 APEX BANK 7.865,437 12,191,352 40,199,04 29,173,498 18.756,873 16,464,372 ADB BANK 576,986,904 678,747,000 773,694,000 914,350,000 1.124,139,000 1,088,071,000 10,005,302,000 UT BANK 315.297.000 475.232.000 679,648,000 917,053,000 1.197,423.000 SG-SSB LIMITED BANK 298,750,342 344.545.55 520,100,260 740,402,911 883,044.221 900.961.822 942,307,572 ENERGY BANK 6,020,889 16,616,224 13,689,042 29,075,926 32.919.226 88,980,628 STANBIC BANK 1,677,234,000 FIRST NATIONAL BANK 1.365.000 3,289,000 OMI BANK 19822292 54260614 90254379 9478512N BANK OF BARODA UNIVERSAL MERCHANT BANK 640,093,000 754,906,000 BANK OF AFRICA GHANA 187.888.510 196.217.569 305.099,221 334,015,917 338.549,441 387.193,04 447,086,061 FIRST BANK OF NIGERIA GHANA 155.755,674 120,741,921 UNIVERSAL MERCHANT BANK 640.093,000 752,906,000 BANK OF AFRICA GHANA 338,549.441 387,493,94 447,016,061 ROYAL BANK 683.162,519 578,600,684 UNI BANK GHANA 877,675.000 925.815.000 2,469,598.000 29,907,290 1,139,356,000 1.409,551.517 88.813,014 1.874,757.000 28.518.000 143,319.409 495,750,311 66,706,038 730,961.000 495,750,311