Abstract
The objective of this article is to contribute to a better understanding of the contribution of ethics in banking governance. The field of investigation is Cameroon. The study covers three subsidiary banks with predominantly Pan-African capital. The empirical material results from an approach marked by documentary study and the realization of semi-structured interviews with managers and bank customers. The results of the analysis show that the banks surveyed see ethics as a governance tool that enables them to improve their image and reputation. They open a reflection on the governance model capable of promoting the consideration of ethics within the banks surveyed.
Highlights
The financial instability that began in the United States in 2007 exposed the perverse effects of immoral banking practices on society
The interpretation of our data shows the validity of our research proposal, namely: ethics can be understood as a tool of banking governance
Can ethics be understood as a tool of banking governance? The answer to this question has been the subject of this article
Summary
The financial instability that began in the United States in 2007 exposed the perverse effects of immoral banking practices on society It crystallized reflections on the vulnerability of the banking system in the face of a crisis. Due to the immediate unavailability of liquidity due to the loans granted, a considerable withdrawal of deposits can bankrupt the banking system [10] This was illustrated during the systemic crisis that hit African countries in the 1980s. The Commercial Bank of Cameroon (CBC) affair where the Central African Banking Commission (COBAC) highlighted management discrepancies, including misappropriation of capital attributed to the majority shareholder These scandals, which are attributable to African countries, lead us to ask the following question: what is the contribution of ethics to banking governance?
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