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Post-Crisis Bank Profitability in BRICS: A CAMEL Approach

Author

Listed:
  • Taiwo Aderogba
  • Ibrahim Ayoade Adekunle
  • Olayinka Esther Atoyebi

Abstract

This study investigates post-crisis bank profitability in Brazil, Russia, India, China and South Africa (BRICS) economies, utilizing a panel dataset from the financial statements of listed banks in three BRICS countries for the post-global financial crisis period of 2009–2020. Utilizing the dynamic system generalized method of moment (SGMM) estimation, the findings demonstrate that profitability is path dependent, with past performance significantly influencing future profitability, and driven by CAMEL factors—capital adequacy, asset quality, management quality, earnings, and liquidity. Internal factors such as capital management, risk-taking, and operational efficiency play prominent roles, while the effects of external elements such as bank size and broader economic conditions are more subtle. The results provide valuable insights into how varying regulatory environments and post-crisis financial conditions across BRICS nations shape bank profitability, emphasizing the need for effective risk management and capital allocation strategies to sustain profitability during periods of economic uncertainty. JEL Codes: G01, G15, G21, H81, L25

Suggested Citation

  • Taiwo Aderogba & Ibrahim Ayoade Adekunle & Olayinka Esther Atoyebi, 2025. "Post-Crisis Bank Profitability in BRICS: A CAMEL Approach," Journal of Emerging Market Finance, Institute for Financial Management and Research, vol. 24(3), pages 360-384, September.
    • Handle: RePEc:sae:emffin:v:24:y:2025:i:3:p:360-384
    DOI: 10.1177/09726527251335991
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    Keywords

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    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G15 - Financial Economics - - General Financial Markets - - - International Financial Markets
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • H81 - Public Economics - - Miscellaneous Issues - - - Governmental Loans; Loan Guarantees; Credits; Grants; Bailouts
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance

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