Auteur 1: BELKADI Issam,
Auteur 2: ABOUCH Mohamed,

Keywords :

Performance – Banks – CAMEL approach – Morocco.


The current global economic environment has become increasingly risky and competitive.
Morocco, which is not immune to global changes in all sectors, needs a strong economy to cope
with any changes. In general, the financial system is a key factor in economic growth. This
explains the prudential reforms that the Moroccan banking sector has undergone over the last
years. The reforms presented by the circulars of Bank Al-Maghrib, in cohesion with the
international recommendations of the Basel Committee (Basel 1, Basel 2 and Basel 3).
Given the importance of the banking system for the economy of a country, it is appropriate to
evaluate the financial performance of banks. The present paper establishes a performance
ranking of Moroccan banks listed on the Casablanca Stock Exchange (AWB – BCP – BMCI –
BOA – CDM and CIH) for the period 2008-2018 by calculating the various ratios (capital
adequacy – asset quality – management quality – profits – liquidity) that constitute the CAMEL



Vol. 3 No 5 (2021)