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STRUCTURE DE PROPRIETÉ ET PERFORMANCE FINANCIÈRE : CAS DES BANQUES DE DEPÔT EN TUNISIE

Source: OAI

ABSTRACT Cet article se propose d'étudier à l'aide d'un modèle économétrique en données de panel, l'impact du statut public/privé de la banque sur son niveau de performance financière. Les résultats montrent que la forte présence des banques publiques a un impact positif sur le niveau de performance de l'ensemble des banques. Ensuite, les banques publiques sont plus performantes que les banques privées. Enfin, nous avons trouvé qu'au sein des banques privées, celles ayant une majorité nationales sont plus performantes que les banques ayant une majorité étrangère.

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    ABSTRACT: Purpose ‐ Which of the banking stream is relatively more profitable in Middle Eastern and North Africa (MENA) region? Design/methodology/approach ‐ The empirical study covers a sample of 15 conventional and 15 Islamic banks for the period 2002-2009.The authors estimate models using the generalized method of moments in system, of Blundell and Bond (1998). They exploit an up-to-date econometric technique which takes into consideration the issue of endogeneity of regressors to evaluate the comparative profitability of Islamic and conventional banks in the MENA region. Findings ‐ Empirical analysis results show that the determinants' significance varies between Islamic and conventional banks. Profitability seems to be quite persistent in the MENA region reflecting a higher degree of government intervention and may signal barriers to competition. Originality/value ‐ The main interest is to develop a comprehensive model that integrates macroeconomic, industry-specific and bank-specific determinants. The paper makes comparison of the performance between two different banking systems in the MENA region. The authors consider a variable crisis to gain additional insights into the impacts of the financial crisis on MENA banking sector.
    International Journal of Islamic and Middle Eastern Finance and Management 08/2014; 7(3). DOI:10.1108/IMEFM-03-2013-0031

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