Online ISSN: 2519-9730 | Print ISSN: 2523-0565
Volume 3 Number 1 January 2018
The Tunisian Banks PerformancePages: 1-19
Authors: Souad Hammami, Mongi Lassoued, Ahmed Berteji
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.