This article contributes to the study of the determinants of profitability of commercial banks using the new techniques of dynamic estimation of data in panel. The objective is to evaluate the prudential policy assigned to African banks to assess the financial strength of these banks in the face of insolvency factors in their main credit distribution function, so that they can properly maintain sufficient long-term growth. This approach takes into account internal bank and external factors related to the country’s macroeconomic situation. The approach consists of applying new generations of data panel models to a sample of 8 Congolese banks between 2010 and 2022. We found that size, capitalization and inflation rate are factors that influence profitability of commercial banks in the DRC. Several policy implications flow from our analysis. Banks are urged to consolidate their own funds and diversify their activities and the state must restore confidence in the banking system to enable banks to play their full roles in mobilizing savings and distributing credit.
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