This research examines the potential impact of Basel IV capital requirements (CAR) on bank lending ability in Africa. To achieve the objective, the study simulated Basel IV capital ratio using historical data to create sample representative banks as if the selected banks had implemented Basel IV CAR for the period 2000 and 2018 and used actual data for existing Basel II and III CAR. Dynamic panel regression analyses, namely the System GMM and P-ARDL, were utilised. First, our results suggest that higher Basel CAR, particularly the new Basel IV, portends short-term negative impacts on bank lending while the long-term impact on bank lending is favorable. Second, the weight of non-performing loans tends to decline as banks transitioned from lower to higher Basel CAR. Lastly, this study shows that complying with Basel IV CAR will help African banks to achieve financial deepening and increase bank lending ability.

中文翻译：

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巴塞尔资本要求和非洲商业银行贷款能力的变化

本研究考察了巴塞尔协议 IV 资本要求 (CAR) 对非洲银行贷款能力的潜在影响。为实现这一目标，该研究使用历史数据模拟巴塞尔协议 IV 资本比率以创建样本代表性银行，就好像所选银行在 2000 年和 2018 年期间实施了巴塞尔协议 IV CAR，并使用现有巴塞尔协议 II 和 III CAR 的实际数据。使用了动态面板回归分析，即系统 GMM 和 P-ARDL。首先，我们的结果表明，更高的巴塞尔资本充足率，尤其是新的巴塞尔协议 IV，预示着对银行贷款的短期负面影响，而对银行贷款的长期影响是有利的。其次，随着银行从较低的巴塞尔 CAR 过渡到较高的巴塞尔资本充足率，不良贷款的权重往往会下降。最后，