Credit Developments and Macro-Financial Risks in Namibia: Namibia
Selected Issues Papers, July 11, 2025
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Bibliographic details
- Authors: Yumeng Gu, Lilian Muchimba
- Published: July 11, 2025
- Series: Selected Issues Papers
- DOI: https://doi.org/10.5089/9798229017725.018
Evolution of bank credit in Namibia
- Examines the evolution of bank credit in Namibia over the past two decades.
- Highlights notable trends in credit growth and banking asset dynamics.
- Focuses on developments in housing prices, mortgages, and money supply as related subjects.
Composition of credit growth and private sector focus
- Emphasizes the composition of credit growth with a particular focus on the private sector.
- Identifies distinctions between private sector and public sector-bank nexus in credit allocation.
- Notes relevance to bank credit, credit-to-GDP ratio, and structural issues affecting credit development.
Macro-financial vulnerabilities identified
- Identifies potential macro-financial vulnerabilities arising from credit developments.
- Addresses risks related to banking asset quality and macro-financial risk amplification through credit channels.
- Highlights the interplay between housing prices, mortgages, and financial stability risks in Namibia.
Policy recommendations to mitigate risks
- Provides policy recommendations aimed at mitigating identified macro-financial risks.
- Recommends macro-prudential policy measures relevant to banking sector resilience and credit quality.
- Suggests measures to manage the public sector–bank nexus and structural issues influencing credit growth.
Promoting access to credit by businesses
- Underscores the importance of promoting access to credit by businesses as part of policy guidance.
- Positions improved business access to credit as relevant for private sector development and broader financial stability.
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- Credit Developments and Macro-Financial Risks in Namibia