محددات الأداء المالي للبنوك الخاصة مقابل البنوك العمومية في الجزائر : دراسة تحليلية و قياسية

Abstract EN

The main objective of this study is toevaluatefinancial performance for Private Banks versus public banksin Algeria and also to examine the determinants of their performance during the period 2013-2017using OLS regression analysis.

The financial performance (dependent variable) is measured by return on assets, return on equity, and marginal profi.

On the other hand, the independent variables are divided to two categories which are macroeconomic variables(inflation rate, gross domestic Product growth and exchange rate) and bank specific factors(.

bank's share of total banking assets, bank's share of total bank deposits, bank's share of total bank loans and share of non-performing loans in total loans).

The main results are: • There is significance level and negative relationship between bank profitability on one hand.

Inflation, Exchange rate and Non performing loans on the other hand.

• There is significance level and positive relationship between bank profitability on one hand.

Gross domestic Product growth, bank's share of total banking assets, bank's share of total bank deposits, bank's share of total bank loans on the other hand.

• There is significant and inverse relationship between the profit margin of private banks and the profit margin of public banks.

• There is significant and positive relationship between the profit margin of private banks and the gross domestic Product growth.

On the contrary, there is negative and significant relationship between the profit margin of public banks and economic growth.