References
- Ahmed, E., Rahman, Z., & Ahmed, R. I. (2006). Comparative analysis of loan recovery among nationalized, private and Islamic commercial banks of Bangladesh. BRAC University Journal, 3(1), 35–16.
- Akerlof, G. A. (1970). The market of lemons: Quality uncertainty and market mechanism. The Quarterly Journal of Economics, 84(3), 488–500.
- Amidu, M., & Hinson, R. (2006). Credit risk management, capital structure and lending decisions of Banks in Ghana. Banks and Bank Systems, 1(1), 93–101.
- Anaman, E. A., Gadzo, S. G., Gatsi, J. G., & Pobbi, M. (2017). Fiscal aggregates, government borrowing and economic growth in Ghana: An error correction approach. Advances in Management & Applied Economics, 7(2), 83–104.
- Andersen, L. B., Hager, D., Maberg, S., Naess, B., & Tungland, M. (2012). The financial crisis in an operational risk management context: A Review of causes and influencing factors. Reliability Engineering and System Safety, 105, 3–12.
- Apanga, M. A., Appiah, K. O., & Arthur, J. (2016). Credit risk management of Ghanaian listed banks. International Journal of Law and Management, 58(2), 162–178.
- Ara, H., Bakaeva, M., & Sun, J. (2009). Credit risk management and Profitability in Commercial Banks in Sweden (Master thesis). University of Gothenburg. Retrieved from https://gupea.ub.gu.se/bitstream/2077/20857/1/gupea_2077_20857_1.pdf
- Bank of Ghana. (2017). Summary of economic and financial data. Retrieved from https://www.bog.gov.gh/Monetary-policy/press_releases/2851-mpc-press-release-jan-2017
- Basel Committee Banking Supervision. (2016). Consultative document on standardized measurement approach for operational risk. Retrieved from https://www.bis.org/bcbs/publ/d355.pdf.
- Basel Committee on Banking Supervision (BCBS). (2006). Basel II: International convergence of capital measurement and capital standards: A Revised Framework—Comprehensive Version. Retrieved from http://www.bis.org/publ/bcbs128.htm
- Bentler, P. M., & Huang, W. (2014). On components, latent variables, PLS and simple methods: Reactions to ridgon’s rethinking of PLS. Long Range Planning, 47(3), 138–154.
- Bisbe, J., & Malagueño, R. (2015). How control systems influence product innovation process: The role of entrepreneurial orientation. Accounting and Business Research, 45(3), 356–386.
- Boahene, S. H., Dasah, J., & Agyei, S. K. (2012). Credit risk management and profitability of selected banks in Ghana. Research Journal of Finance and Accounting, 3(7), 6–14.
- Bofondi, M., & Gobbi, G. (2003). Bad loans and entry in local credit markets. Rome, Bank of Italy. Research Department.
- Boudriga, A., Taktak, N. B., & Jellouli, S. (2009). Banking supervision and non- performing loans: A cross-country analysis. Journal of Financial Economic Policy, 1(4), 286–318.
- Brewer, E., III, & Jackson, W. E., III. (2006). A note on the “risk-adjusted” price–Concentration relationship in banking. Journal of Banking & Finance, 30(3), 1041–1054.
- Cagan, P. (2009). Managing operational risk through the credit crisis. The Journal of Compliance, Risk & Opportunity, 3(2), 19–26.
- Chen, J., Chen, M., Chen, T., & Liao, W. (2009). Influence of capital structure and operational risk on profitability of life insurance industry in Taiwa. Journal of Modelling in Management, 4(1), 7–18.
- Corcoran, C. (2010). A reassessment of regulated bank capital on profitability and risk. International Business & Economics Research Journal, 9(3), 97–100.
- Derban, Y., Binner, G., & Mullineux, A. (2005). Loan repayment performance in community development finance institutions in the UK. Small Business Economics, 25, 319–332.
- Drehmann, M., Sorensen, S. & Stringa, M. (2008). The integrated impact of credit and interest rate risk on banks: An economic value and capital adequacy perspective. Bank of England working papers 339, Bank of England. Gadzo, S. G., & Asiamah, S. K. (2018). Assessment of the relationship between leverage and performance: An empirical study of unlisted banks in Ghana. Journal of Economics and International Finance, 10(10), 123–133.
- Gatsi, J. G., Anipa, A. A., Gadzo, S. G., & Ameyibor, J. (2016). Corporate social responsibility, risk factor and financial performance of listed firms in Ghana. Journal of Applied Finance & Banking, 6(2), 21–38.
- Gatsi, J. G., Gadzo, G. S., & Akoto, R. (2014). Post-Merger analysis of the financial performance of SG-SSB. International Journal of Financial Economics, 3(2), 80–91.
- Gatsi, J. G., Gadzo, S. G., & Oduro, R. (2016). Degree of leverage and risk adjusted performance of listed financial institutions in Ghana. Journal of Business and Management, 18(1), 44–50.
- Ghana Banking Survey. (2017). Retrieved from http://www.pwc.com/en_GH/gh/pdf/ghana-banking-survey-2017- pwc.pdf.
- Goddard, J., Molyneux, P., & Wilson, J. O. (2004). The profitability of European banks: A cross-sectional and dynamic panel analysis. The Manchester School, 72(3), 363–381.
- Hair, J., Sarstedt, M., Ringle, C., & Mena, J. (2012). An assessment of the use of partial least squares structural equation modelling in marketing research. Journal of the Academy of Marketing, 40, 414–433.
- Hair, J. F., Sarstedt, M., Pieper, T., Ringle, C. M., & Mena, J. A. (2012). The use of partial least squares structural equation modelling in strategic management research: A review of past practices and recommendations for future applications. Long Range Planning, 45(5–6), 320–340.
- Heffernan, S., & Fu, M. (2008). The determinants of bank performance in China. Journal of Banking and Finance, 2(1), 1–30.
- Hess, C. (2011). The impact of the financial crisis on operational risk in the financial services industry: Empirical evidence. The Journal of Operational Risk, 6(1), 23–35.
- Hosna, A., Bakaeya, M., & Juanjuan, S. (2009). Credit risk management and profitability in commercial banks in Sweden. Master Degree Project 2009:36, School of Business, Economics and Law: University of Gothenburg.
- Hsieh, M. F., & Lee, C. (2010). The puzzle between banking competition and profitability can be solved: International Evidence from Bank-level Data. Journal of Financial Services Research, 38, 135–157.
- Jayadey, M. (2013). Basel III implementation: Issues and challanges for Indian banks. IIMB Management Review, 25(2), 115-130.
- Jou, D. G. (1999). Interest rate risk, surplus, leverage and market reward-an empirical study of Taiwan life insurance industry. Journal of Management & Systems, 6(3), 281–300.
- Kargi, S. H. (2011). Credit risk and the performance of Nigerian banks. Published thesis, Department of Accouting, Ahmadu Bello University, Zaira Nigeria.
- Kargi, S. H. (2014). Credit risk management and the performance of Nigerian banks. ACME Journal of Accounting, Economics and Finance, 1(1), 7–14.
- Kirpatrick, G. (2009). The corporate governance lessons from the financial crisis. Financial Market Trends, (1), 61-87.
- Kock, N. (2014). A note on how to conduct a factor- based PLS-SEM analysis. Laredo, TX: ScriptWrap Systems.
- Kolapo, T. F., Ayeni, R. K., & Oke, M. O. (2012). Credit risk management and commercial banks’ performance in Nigeria: A panel model approach. Australian Journal of Business and Management Research, 2(2), 31–38.
- Kumar, B. R., & Sujit, K. S. (2018). Determinants of dividends among Indian firms - An empirical study. Cogent Economics & Finance, 6(1), 1423895.
- Lee, C., Hsieh, M. F., & Yang, S. J. (2014). The relationship between revenue diversification and bank performance: Do financial structures and financial reforms matter? Japan and the World Economy, 29, 18–35.
- Li, F., & Zou, Y.(2014). The impact of credit risk management on Profitability of Commercial Banks: A Study of Europe. Published Thesis by Umeå School of Business and Economics, Sweden.
- Liu, Y. M. (2003). The Effect of Industrial Structure on Business Strategy and Profitability for Life Insurance in Taiwan ( Unpublished Master Thesis). Taichung, Taiwan: Department of Insurance, Chaoyang University of Technology.
- Masood, O., & Ashraf, M. (2012). Bank-specific and macroeconomic profitability determinants of Islamic banks: The case of different countries. Qualitative Research in Financial Markets, 4(2/3), 255–268.
- Muriithi, M. S. (2017). African small and medium enterprises (SMEs) contribution, challanges and solutions. European Journal of Research and Reflection in Management Sciences, 5(1), 36-48.
- Nair, A., & Fissha, A. (2010). Rural Banking: The case of rural and community banks in Ghana, agricultural and rural development. Discussion Paper No. 48, The World Bank, Washington, DC.
- Nguyen, J. (2012). The relationship between net interest margin and non-interest income using a system estimation approach. Journal of Banking and Finance, 36(9), 2429–2437.
- Nitzl, C. (2016). The use of partial least squares structural equation modelling (PLS-SEM) in management accounting research: Directions for future theory development. Journal of Accounting Literature, 37, 19–35.
- Noman, H. M., Pervin, S., Chowdhury, M. M., & Banna, H. (2015). The effect of credit risk management on the banking profitability: A case on Bangladesh. Global Journal of Management and Business Research, 15(3), 41–48.
- Osuji, C. C., & Odita, A. (2012). Impact of capital structure on financial performance of Nigerian firms. Arabian Journal of Business and Management Review, 1(12), 43-61.
- Ouamar, D. (2013). How to implement counterparty credit risk requirements under Basel III: The challenges. Journal of Risk Management in Financial Institutions, 6(3), 327-336.
- Psillaki, M., Tsolas, L. & Margaritis, D. (2010). Evaluation of credit risk based on firm performance. European Journal of Operational Research, Elseviar, 201(3), 873-881.
- Ringle, C. M., Wende, S., & Becker, J.-M. (2015). SmartPLS 3. Boenningstedt: SmartPLS GmbH.
- Rose, C. (2009). New challenges for operational risk after the financial crisis. Journal of Applied IT and Investment Management, 1(1), 27–30.
- Ruziqa, A. (2013). The impact of credit and liquidity risk on bank financial performance: The case of Indonesian Conventional Bank with total asset above 10 trillion Rupiah. International Journal of Economic Policy in Emerging Economies, 6(2), 93–106.
- Salah, N. B., & Fedhila, H. (2012). Effects of securitization on credit risk management and banking stability: Empirical evidence from American Commercial Banks. International Journal of Economics and Finance, 4(5), 194–207.
- Salas, V., & Saurina, J. (2002). Credit risk management in two institutional regimes: Spanish commercial and savings banks. The Journal of Financial Services Research, 22(3), 203–224.
- Saunders, A., & Cornett, M. M. (2006). Financial institutions management a risk management approach. New York, NY: McGraw-Hill.
- Shen, C. H., Chen, Y. K., Kao, L. F., & Yeh, C. Y. (2009, June). Bank liquidity risk and performance. 17th Conference on the Theories and Practices of Securities and Financial Markets, Hsi-Tze Bay. Taiwan: Kaohsiung.
- Tafri, F. H., Hamid, Z., Meera, A., & Omar, M. A. (2009). The impact of financial risks on profitability of Malaysian commercial banks: 1996-2005. International Journal of Social and Human Sciences, 3(3), 807–821.
- The World Bank. (2017). Bank capital to assets ratio (%) | Data | Table. [online]. Retrieved from http://data.worldbank.org/indicator/FB.BNK.CAPA.ZS
- Tupangiu, L. (2017). Information asymmetry and credit risk. Finance: Challenges of the Future, 1(19), 153–157.
- Wong, K. K. (2013). Partial Least Squared Structural Equation Modelling (PLS-SEM) Techniques using SmartPLS. Marketing Bulletin, 24(1), 1-32.