Commercial banks move financial resources from surplus unit to deficit unit to facilitate the economic activities in any economy across the globe including sub-Saharan Africa. However, literature has shown that the lending activities of commercial banks in the SSA region are limited due to macroeconomic instability and weak institutional quality which is peculiar to developing economies. Therefore, this study aimed at examining the effects of macroeconomic factors, institutional quality and the interactive effect of institutional quality and macroeconomic factors on bank lending behaviour in sub-Saharan Africa. The specific objectives of this study were to: (i) examine the effects of macroeconomic factors (money supply, interest rate, exchange rate) on bank lending behaviour in Sub-Saharan Africa; (ii) investigate the effect of institutional quality on bank lending behaviour in Sub-Saharan Africa; and (iii) evaluate the effect of interactive effect of institutional quality and macroeconomic factors on bank lending behaviour in Sub-Saharan Africa. The research design employed was ex post facto, and the population of the study consisted of 49 Sub-Sahara African countries. Purposive sampling technique was used to select 14 Sub-Sahara African countries with biggest banking sectors in terms of total assets. Secondary data were obtained from World Development Indicators and World Governance Indicators between 1996 and 2023. The Generalized method of moments (GMM) model was employed as the estimation technique. Findings were that: (i) macroeconomic factors (money supply with (β = 0.083; p-value = 0.000); interest rate with (β = 0.211; p-value = 0.000); and exchange rate with (β = 0.001; p-value = 0.000)) have significant and positive effects on bank lending behaviour; (ii) institutional quality index with (β = -0.135; p-value = 0.513) has a negative insignificant effect on bank lending behaviour; and (iii) interactive term (institutional quality*macroeconomic factors with