AU - Singe, Ability AU - Supervisor: Bein, Murad A. TI - The relationship between bank profitability and internal and external determinants of profitability: Case of Southern Africa PY - 2018/// CY - Nicosia PB - Cyprus International University KW - Makroekonomik KW - Macroeconomic KW - Banka karlılığı KW - Bank profitability N1 - Includes CD; Includes references (101-121 p.) N2 - ' ABSTRACT The key aim of the research was to determine the relationship between commercial bank profitability and internal and external indicators of profitability in Southern Africa during the study period 2009 to 2016. The profitability of the commercial banks was measured with ROA and ROE as proxy's for profitability as a component of indigenous (bank specifics) and external (macroeconomic) variables. Utilizing panel dataset the finding of the research concluded that, a positively substantial correlation exists between the profitability of commercial banks and capital adequacy ratio. A negative but significant relationship was empirically unveiled between bank profitability and cost to income ratio, also most importantly a significantly positive correlation was observed between commercial bank profitability and real GDP growth rate entailing that bank profitability leads to economic development, nevertheless the relation between the two works in both ways that is bank profitability can influence economic growth through real GDP and real GDP can also have a sizable impact on bank profitability. Inflation, bank size, and bank liquidity were empirically proved to have and negative relationship with bank profitability throughout Southern Africa. Keywords: Bank Profitability , Bank Specifics , Macroeconomic ' ER -