Econometric analysis of the determinants of the financial performance of the main Moroccan banking subsidiaries in the UEMOA zone

Analyse économétrique des déterminants de la performance financière des principales filiales bancaires marocaines dans la zone UEMOA

Cherkaoui El Hamdani () and Benaissa Nahhal
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Cherkaoui El Hamdani: UM5 - Université Mohammed V de Rabat [Agdal]
Benaissa Nahhal: CRIISEA - Centre de Recherche sur les Institutions, l'Industrie et les Systèmes Économiques d'Amiens - UR UPJV 3908 - UPJV - Université de Picardie Jules Verne

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Abstract: This research analyzes the determinants of the financial performance of the main Moroccan banking subsidiaries operating in the WAEMU zone, comprising ten subsidiaries that belong to the three major Moroccan banking groups (AWB, BOA, and BCP). Using a panel data econometric approach, the study estimates fixed and random effects models to identify the significant impact of internal variables such as loan volume, balance sheet size, and credit risk on profitability (measured by ROA and ROE). In contrast, macroeconomic variables appear to play a less decisive role. The findings provide strategic insights for Moroccan banks seeking to optimize their expansion in West Africa.

Keywords: Performance bancaire; ROA; ROE; données de panel; UEMOA; banques marocaines JEL Classification : G20; G24. Type du papier : Recherche Empirique Banking performance; panel data; Moroccan banks JEL Classification: G20; G24. Paper type: Empirical Research (search for similar items in EconPapers)
Date: 2025-05-15
Note: View the original document on HAL open archive server: https://hal.science/hal-05072282v1
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Published in International Journal of Accounting, Finance, Auditing, Management and Economics, 2025, ⟨10.5281/zenodo.15380754⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05072282

DOI: 10.5281/zenodo.15380754

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