%0 Journal Article
%T Non
%A Benjamin Amoah
%A Ishmael Appiah-Gyamerah
%A Zangina Isshaq
%J Global Business Review
%@ 0973-0664
%D 2019
%R 10.1177/0972150919837061
%X This study examines the determinants of non-interest income and the implications of non-interest income for bank risk-return trade-offs, medium-term profitability and profit variability. Over a number of specifications, we find that cost-efficiency is key to generating and profiting from non-interest income as are volume of loans generated and liquid assets held by a bank. Large banks may also profit from non-interest income but do not seem to rely on it for their profits. We do not find non-interest income detrimental to bank solvency in our sample, perhaps because the nature of non-interest income of our sample banks may not expose bank capital to significant risk of loss. This could change as the economy and financial services demand increases in sophistication
%K Non-interest income
%K bank performance
%K revenue diversification
%K Ghana
%U https://journals.sagepub.com/doi/full/10.1177/0972150919837061