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Cost-efficiency and bank profitability during health crisis

Author

Listed:
  • Daniel Taylor

    (CleRMa - Clermont Recherche Management - ESC Clermont-Ferrand - École Supérieure de Commerce (ESC) - Clermont-Ferrand - UCA - Université Clermont Auvergne)

  • Bernard Sarpong

    (GRIPS - National Graduate Institute for Policy Studies (GRIPS), Tokyo, Japan)

  • Eunice Yaa Cudjoe

    (Laboratoire de Recherche Magellan - UJML - Université Jean Moulin - Lyon 3 - Université de Lyon - Institut d'Administration des Entreprises (IAE) - Lyon)

Abstract

This paper examines the impact of cost-efficiency on bank profitability in the context of the Covid-19 pandemic using quarterly data from a panel of banks operating in five (5) Sub-Saharan African countries. The findings show that cost-efficient banks are more profitable amid the pandemic. Additionally, we found that revenue diversification is associated with strong financial performance. Our findings contribute to literature by proposing the adoption of aggressive cost control and revenue diversification strategies by the management of banks to ensure sustainable and resilient financial performance in times of crises when interest incomes are sticky.

Suggested Citation

  • Daniel Taylor & Bernard Sarpong & Eunice Yaa Cudjoe, 2024. "Cost-efficiency and bank profitability during health crisis," Post-Print hal-03891471, HAL.
    • Handle: RePEc:hal:journl:hal-03891471
    DOI: 10.1080/13504851.2022.2146644
    as

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