محددات أداء البنوك الخاصة في ظل تحرير القطاع المالي الجزائري

Abstract EN

The study attempts to identify the factors that affect the performance of private banks in Algeria within the framework of the financial liberalization policies as a background toward the market economy.

The topic raised looks for the extent to which the private banks respond to the economic changes and exploit them to maximize profits and enhance competitiveness both locally and externally.

The paper introduces the issue of the factors influencing the performance of private banks under the liberalization of the Algerian financial sector.

To meet the challenge, the paper adopts ARDL model based on ROE indicator to measure the performance of private banks during 2000-2016.

The study results reveal the low level of the financial performance of private banks because of their dependence on deposits in their capital construction and keeping the traditional roles of banks in a way that contradicts with the conditions of the financial liberation.

This situation is also emphasized by the control of the public banks estimated by over 90% of the Algerian financial sector assets.

The elements of internal financial liberalization have had a positive moral effect: Private sector credit, financial sector credit, financial employment index and rediscount rate, while external financial liberalization variables have had a negative impact on the return on property rights of private banks.