ABSTRACT :– This work proposes to assess the effects of banking on economic growth in the CEMAC zone. The approach used for banking is that of the bank rate, which means the percentage of the population with access to banking services. Our panel is made up of people holding one or more bank accounts in a bank or an EMF. The study period extends from 2007 to 2016, the software used for data analysis is EVIEWS, it is accompanied by two econometric tests namely the VAR model (which establishes the causal link) and the Granger causality test (from which both uni and two-dimensional causality are derived). The findings of this empirical study show that the density of banking network, the volume of EMF loans, the degree of openness and the saving rate positively and significantly influence economic growth. To improve the banking system within the CEMAC subregion, it is important to place special emphasis on the distribution of microcredit, which is becoming a significant contribution to the integration of disadvantaged populations into the economic sphere, easing the opening of accounts, opening bank branches in rural areas because village populations are real bridges to banking.

Keywords:– Effects ; Banking ; economic growth ; CEMAC.