Determinants of Commercial Banks’ Performance in Malawi: A Triple Autoregressive Distributed Lag (ARDL) Approach

There has been a monotonic increase in research investigating the performance of commercial banks across globe. This is recognition that banking and financial sector significant contribution to service national output. paper analyzed determinants bank’s category macroeconomic, bank-specific structure factors Malawi. The study employed an autoregressive distributed (ARDL) approach/bounds cointegration testing for period between 1990 2020. results show inflation negative statistically relationship with ROA long run. While cost-to-income ratio also depicts all indicators bank (ROA, ROE NIM) On other hand, concentration insignificant on models. suggests various policy implications internal external performance. Keywords: ROA, ROE, NIM, ARDL, Inflation, Cost-to-income ratio, DOI: 10.7176/RJFA/12-17-03 Publication date: September 30 th 2021