THE IMPACT OF ELECTRONIC BANKING ON THE PROFITABILTY OF BANKS IN ALGERIA

Abstract

Electronic Banking in Algeria has emerged as a strategic resource for achieving higher efficiency, control of operations and reduction of cost This study examines the impact of Electronic Banking services on the profitability of banks in Algeria, using a comparative ratio analysis and a profitability indicators as a tool to process and analyze data .The empirical results obtained using the Algerian National Bank as a case study for the period 2014-2019 showed that the introduction of E-Banking in 2017 has a negative impact on the profitability of the BNA Bank, despite all the advantages that E-Banking bring with.. The importance of this study and its distinguishing factors is, it discusses solely the topic of the relationship between E-Banking and profitability, while most of other studies discuss such topics in general term.