Les Determinants De La Rentabilite Bancaire : Une Analyse Sur Donnees De Panel Appliquee Au Cameroun

Abstract

Following the bankruptcy experienced by the banking system in the CEMAC sub-region in general and Cameroon in particular the banking system in the 80's, the banks were facing a significant deterioration in their profitability. Thus, it has been important to understand the determinants of profitability. It is in this context, that throughout this work we study the determinants of profitability Cameroonian banks. Determinants selected in accordance with economic theory and empirical studies also with profitability variables include macroeconomic and macro-financial in nature. The econometric approach lies in an analysis of panel data based on a sample of 10 (ten) Cameroonian banks over the period from 2001 to 2010. The key findings emerged from this empirical study show that in terms of return on assets, the size of the bank, liquidity, growth and inflation are positively correlated to it. Capital adequacy, monetary policy and prudential regulation are negatively correlated to it. Terms of return on equity, capital adequacy and prudential regulation positively correlated and the size of the bank, liquidity, economic growth, monetary policy and inflation negatively correlated over the period reference.