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            <title xml:lang="en">The deconcentration of banking systems in Sub-Saharan Africa</title>
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              <p>This  study  brings  to  light  a  deconcentration  of  the  banking  systems  of  sub-Saharan African  countries  (SSA)  over  the  period  2005-2015,  in  parallel  with  the  rapid  economic development of the continent during the super-cycle of rising commodity prices and the emergence  of  pan-African  banking  groups.  The  authors’ analysis  shows  that  this  trend is  influenced,  among  other  things,  by  the  size  of  the  market,  the  degree  of  international openness  and  the  entry  or  exclusion  of  foreign  banks.  In  addition,  the  lower  the  level of  banking  concentration,  the  higher  the  loan  outstandings  (as  a  percentage  of  GDP), which  suggests  that  the  level  of  competition  between  banks  has  a  positive  impact  on credit distribution. However, banking concentration is only weakly linked to the quality of bank portfolios.</p>
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