arbiter
JournalsAccount

How Business Model Shapes Bank Performance and Stability in Africa

Pawessé Louis Arnaud Tamini

Journal of Emerging Market Finance2026https://doi.org/10.1177/09726527251406703article
AJG 2ABDC B
Weight
0.50

Abstract

This article aims to investigate the impact of a business model on bank performance and stability, with a focus on net interest margins. Using a large sample of 300 commercial banks covering 46 African countries, we define the business model by the income structure. Overall, we find that the shift toward non-interest income is associated with a decrease in net interest margins and overall performance. Besides, we observe limited, if any, impact on stability on average. Thus, our results suggest that African banks do not clearly benefit from diversification. However, the results show that ownership and size matter. JEL Codes: G21, G32, N27

Open via your library →

Cite this paper

https://doi.org/https://doi.org/10.1177/09726527251406703

Or copy a formatted citation

@article{pawessé2026,
  title        = {{How Business Model Shapes Bank Performance and Stability in Africa}},
  author       = {Pawessé Louis Arnaud Tamini},
  journal      = {Journal of Emerging Market Finance},
  year         = {2026},
  doi          = {https://doi.org/https://doi.org/10.1177/09726527251406703},
}

Paste directly into BibTeX, Zotero, or your reference manager.

Flag this paper

How Business Model Shapes Bank Performance and Stability in Africa

Flags are reviewed by the Arbiter methodology team within 5 business days.

Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.