This work aim to study the profitability of commercial bank of Cameroon in relation with the financial intermediation. To that end, we ask ourselves the question: what is the impact of the financial intermediation on commercial banks in Cameroon? Profitability was measured by the shareholders return or return on equity (ROE) and return on asset (ROA).
The analysis is done by an econometric model using the general square least on the multiple regression model. The data used comes from COBAC and BEAC report.
The results of this analysis shown that the determinants of banking return on equity and assets return are moderately significant. This implies that, the banking return is positively influenced by the ratio of capital stock net on total asset, by the ratio of liquids reserves on total asset, by the private deposits /total deposits and by the size of the bank that is measured by total asset. The Deposits, credits and the ratio of total credit/total deposit negatively influence it, and by the size of the bank, that concerns the return on asset. Thus, the banks are indeed profitable, but they must transform more deposits in credits in order to increase their intermediation profits.
Key words : financial intermediation, return, commercial bank, return on equity (ROE) and return on asset (ROA).