Examining the impact of income diversification on bank performance: Are foreign banks heterogeneous?

Off-balance sheet business development and bank efficiency: A financial innovation matching perspective

“…In robustness tests, we find that implementing OBS by small banks consistently results in higher bank efficiency. This is contrary to the findings of some previous research [ 108 , 109 ], but in line with the findings of Addai et al [ 110 ]. The reasons for the increased efficiency are as follows.…”

Internationalization and Financial Stability of Deposit Money Banks in Nigeria

“…Financial stability has been considered from various perspectives, while some consider financial stability from the sustainable cash inflows from investment opportunities (Alayo et al, 2020). Others consider it from the perspective of long-term assets growth (Addai et al, 2022), as well as consistent and persistent quality earnings (Alkhouri & Arouri, 2019).…”

“…Stock Returns: In this study, stock returns are employed as a measure of financial stability. According to Addai et al (2022), stock returns are connected to financial stability. When companies are financially stable, it influences effective stock prices and stock returns.…”

“…In the banking sector, the trajectory of financial stability drive is a reflection of careful and effective tactical planning, executions of strategic plans and managerial competence, as right performance precedes right planning and effective and efficient implementation of strategic decisions reflecting the strong success and firm sustainable growth (Adem, 2022;Addai et al, 2022). Incidentally, meeting financial stability in deposit money banks in Nigeria had remained complex and had witnessed a myriad of fragile periods of volatility, and challenges, resulting from years of financial vulnerabilities and unsuccessful regulatory policies that had endangered the financial stability of banks in Nigeria.…”

“…Interestingly, in Ghana, Financial Sector Adjustment Program instituted the country attracted several foreign banks to Ghana, increasing competition in the banking industry. This development has helped foreign commercial banks take advantage of the upsides of cross-border banking, leading to financial deepening in Ghana (Iheanachor & Ozegbe, 2021;Amungo & Buck, 2017;Addai et al, 2022). Baier-Fuentes et al (2019) noted that the internationalization of banks is a strategic economic drive of domestic banks in seeking banking operations across-border towards achieving economic goals such as risk diversification, larger value creation, proximity to other international markets, and exploitation of banks' successful resources and skill in international markets.…”