ABSTRACT: The world financial cataclysms bring tremendous monetary flaws in the financial framework for the entire world. In many countries, the situation in the financial division turned out to be severe to the point that the legislature was forced to begin to expand the bundle to maintain the financial segment. In this study, a PANEL approach was use to assess the impact of bank specific regulation (BSR) on financial performance (FP) of bank in Ghana for the period of 10 years. In this

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... tion, the association is divided between financial performance (FP) and BSR (the interest rate (IR), foreign exchange rate (FER) and credit risk (CR)) between banks in Ghana. To begin with, the direction of stationary factor was affirmed. A panel test by Pedroni and Kao is used to achieve the long-term relationship between the factors in the model, in which FP is endogenous variable and BSR is exogenous. Also, the test of causation was built by (Granger, 1969) to direct whether a causal relationship exists among the factors. The examination showed long-term relationship depending by the Granger causal relationship which shows a bi-directional, Uni-directional connection in the middle of a factor. KEYWORDS: bank-specific regulations, credit risk, foreign exchange rate, interest rate