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Determinants Of Bank Profitability: Empirical Analysis In The Waemu Zone
[Les Déterminants De La Profitabilité Des Banques : Analyse Empirique Dans La Zone Uemoa]

Author

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  • Babo Amadou Ba

    (UAM - Université Amadou Mahtar Mbow)

Abstract

Cet article analyse les déterminants de la profitabilité des banques dans la zone UEMOA, en comparant l'impact du Produit Net Bancaire (PNB) et du Résultat Net (RN). Utilisant un modèle dynamique en données de panel (méthode GMM système) sur 133 banques observées entre 2010 et 2020, l'étude révèle que le PNB (coefficient 0,357) influence davantage la rentabilité que le RN (0,279). Les variables micro-bancaires (crédits, dépôts) et macroéconomiques (croissance du PIB) ont un effet positif significatif, tandis que l'inflation et les charges d'exploitation affectent négativement la performance. Les résultats valident des théories comme la structure du marché et la théorie de l'agence, soulignant l'importance d'un équilibre entre concurrence et efficacité opérationnelle. Les implications managériales incluent l'optimisation des coûts, la gestion proactive des risques de crédit et le renforcement des produits générateurs de commissions. L'étude offre des pistes pour améliorer la stabilité financière et la résilience du secteur bancaire ouest-africain face aux chocs économiques.

Suggested Citation

  • Babo Amadou Ba, 2025. "Determinants Of Bank Profitability: Empirical Analysis In The Waemu Zone [Les Déterminants De La Profitabilité Des Banques : Analyse Empirique Dans La Zone Uemoa]," Post-Print hal-05314750, HAL.
    • Handle: RePEc:hal:journl:hal-05314750
    DOI: 10.5281/zenodo.15268770
    Note: View the original document on HAL open archive server: https://hal.science/hal-05314750v1
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