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The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania
Banks are vital for economic growth and development as they mobilise and channel the flow of funds from surplus to deficit units and help to finance government expenditure by investing in government securities, among other activities. Bank activities are especially crucial in developing countries, d...
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| Format: | Thesis |
| Language: | English English |
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Department of Finance and Tax
2025
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| _version_ | 1867613274094174208 |
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| access_status_str | Open Access |
| author | Mchembe, Renatus Anathory |
| author2 | Toerien, Francois |
| author_browse | Mchembe, Renatus Anathory Toerien, Francois |
| author_facet | Toerien, Francois Mchembe, Renatus Anathory |
| author_sort | Mchembe, Renatus Anathory |
| collection | Thesis |
| description | Banks are vital for economic growth and development as they mobilise and channel the flow of funds from surplus to deficit units and help to finance government expenditure by investing in government securities, among other activities. Bank activities are especially crucial in developing countries, due to underdeveloped financial markets, as they often dominate the financial sector. The banking crises of the last three decades have resulted in increased macroprudential regulations to protect the banking sector against the risk of failure emanating from banks' loan portfolios. A key element of these regulations is usually the prescription of minimum risk-weighted capital ratios. However, this can potentially affect bank profitability and in an attempt to rebalance their capital risk profile to match regulatory requirements, banks may alter the balance between bank lending (higher risk activities) and low risk activities, such as investment in government securities. Contradictory evidence exists on the relations |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/41068 |
| institution | University of Cape Town (South Africa) |
| language | English eng |
| last_indexed | 2026-06-10T12:33:31.121Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | Department of Finance and Tax |
| publisherStr | Department of Finance and Tax |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/41068 The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania Mchembe, Renatus Anathory Toerien, Francois Ndlovu Godfrey Tanzania Basel Accord risk-weighted capital requirements portfolio rebalancing lending government securities profitability stability simultaneous fixed effects Sys-GMM Banks are vital for economic growth and development as they mobilise and channel the flow of funds from surplus to deficit units and help to finance government expenditure by investing in government securities, among other activities. Bank activities are especially crucial in developing countries, due to underdeveloped financial markets, as they often dominate the financial sector. The banking crises of the last three decades have resulted in increased macroprudential regulations to protect the banking sector against the risk of failure emanating from banks' loan portfolios. A key element of these regulations is usually the prescription of minimum risk-weighted capital ratios. However, this can potentially affect bank profitability and in an attempt to rebalance their capital risk profile to match regulatory requirements, banks may alter the balance between bank lending (higher risk activities) and low risk activities, such as investment in government securities. Contradictory evidence exists on the relations 2025-03-03T08:43:25Z 2025-03-03T08:43:25Z 2024 2025-02-28T13:50:04Z Thesis / Dissertation Doctoral PhD http://hdl.handle.net/11427/41068 en eng application/pdf Department of Finance and Tax Faculty of Commerce University of Cape Town |
| spellingShingle | Tanzania Basel Accord risk-weighted capital requirements portfolio rebalancing lending government securities profitability stability simultaneous fixed effects Sys-GMM Mchembe, Renatus Anathory The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania |
| thesis_degree_str | Doctoral |
| title | The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania |
| title_full | The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania |
| title_fullStr | The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania |
| title_full_unstemmed | The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania |
| title_short | The implications of bank risk-weighted capital and ownership on portfolio rebalancing, profitability, and stability: evidence from Tanzania |
| title_sort | implications of bank risk weighted capital and ownership on portfolio rebalancing profitability and stability evidence from tanzania |
| topic | Tanzania Basel Accord risk-weighted capital requirements portfolio rebalancing lending government securities profitability stability simultaneous fixed effects Sys-GMM |
| url | http://hdl.handle.net/11427/41068 |
| work_keys_str_mv | AT mchemberenatusanathory theimplicationsofbankriskweightedcapitalandownershiponportfoliorebalancingprofitabilityandstabilityevidencefromtanzania AT mchemberenatusanathory implicationsofbankriskweightedcapitalandownershiponportfoliorebalancingprofitabilityandstabilityevidencefromtanzania |