The Tunisian Banks Performance

Souad Hammami, Mongi Lassoued and Ahmed Berteji
Additional contact information
Souad Hammami: MOFID-Université de Sousse
Mongi Lassoued: University of Sousse
Ahmed Berteji: MOFID-Université de Sousse

Post-Print from HAL

Abstract: This paper explores the different factors that lie behind the performance of the Tunisian banks. In fact, this research co versa sample of ten Tunisian banks over the period that ranges from the year 2006 to 2015. The profitability of these banks is measured by conducting an analysis of panel data using two different but complementary indicators, namely Return on Assets (ROA) and Net Interest Margins (NIM). They include both organizational and macroeconomic variables as well macro-financial ones. Results indicate that the bank operating expenses have a positive and significant impact on the interest margins but negatively affect the ROA in our sample. Equity, as a second organizational variable, has a positive effect on both NIM and ROA. The concentration movement, as a macro-financial variable, supports the ROA (profitability) but degrades the NIM. The inflation rate is positively and significantly affected by the net interest margin.

Keywords: Panel Data Return on Assets Net Interest Margin Profitability Tunisian Banks; Panel Data; Return on Assets; Net Interest Margin; Profitability; Tunisian Banks (search for similar items in EconPapers)
Date: 2018-03-20
Note: View the original document on HAL open archive server: https://hal.science/hal-04745612v1
References: View references in EconPapers View complete reference list from CitEc
Citations:

Published in Noble International Journal of Economics and Financial Research, 2018, 03 (01)

Downloads: (external link)
https://hal.science/hal-04745612v1/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04745612

Access Statistics for this paper

More papers in Post-Print from HAL
Bibliographic data for series maintained by CCSD ().