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Modelling Non-Interest Income at Tunisian Banks


  • Abdelaziz HAKIMI

    (Faculty of Law, Economics and Management of Jendouba and Sousse higher institute of management)

  • Helmi HAMDI

    (Central Bank of Bahrain and CERGAM-CAE Aix-Marseille University- France)

  • Mouldi DJELASSI

    (LEO – University Orléans, & Higher School of Economics and Business of Tunis –ESSECT)


The aim of this paper is to analyze the determinants of the non-interest income for the Tunisian context by the use of data of 10 Tunisian deposit banks. Our sample is observed during the period 1998-2009. Using panel data estimation; our findings reveal that the information and communication technologies adoption and the banking characteristics are the main influential factors shaping the tendency of non-interest income in Tunisia.

Suggested Citation

  • Abdelaziz HAKIMI & Helmi HAMDI & Mouldi DJELASSI, 2012. "Modelling Non-Interest Income at Tunisian Banks," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 2(1), pages 88-99, March.
  • Handle: RePEc:asi:aeafrj:2012:p:88-99

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    References listed on IDEAS

    1. Stiroh, Kevin J, 2004. "Diversification in Banking: Is Noninterest Income the Answer?," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 36(5), pages 853-882, October.
    2. David T. Llewellyn, 1999. "The New Economics of Banking," SUERF Studies, SUERF - The European Money and Finance Forum, number 5 edited by Morten Balling, March.
    3. DeYoung, Robert & Roland, Karin P., 2001. "Product Mix and Earnings Volatility at Commercial Banks: Evidence from a Degree of Total Leverage Model," Journal of Financial Intermediation, Elsevier, vol. 10(1), pages 54-84, January.
    4. Samy Bennaceur, Mohamed Goaied, 2008. "The Determinant of Commercial Bank Interest Margin and Profitability: Evidence from Tunisia," Frontiers in Finance and Economics, SKEMA Business School, vol. 5(1), pages 106-130, April.
    5. David Llewellyn, 1999. "The New Economics of Banking," Chapters in SUERF Studies, SUERF - The European Money and Finance Forum.
    6. Rosie Smith & Christos Staikouras & Geoffrey Wood, 2003. "Non-interest income and total income stability," Bank of England working papers 198, Bank of England.
    7. Carbo Valverde, Santiago & Rodriguez Fernandez, Francisco, 2007. "The determinants of bank margins in European banking," Journal of Banking & Finance, Elsevier, vol. 31(7), pages 2043-2063, July.
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    Cited by:

    1. repec:spr:fininn:v:3:y:2017:i:1:d:10.1186_s40854-017-0069-6 is not listed on IDEAS
    2. Sameh Charfeddine Karray & Jamel eddine Chichti, 2013. "Bank Size and Efficiency in Developing Countries: Intermediation Approach versus Value Added Approach and Impact of Non-Traditional Activities," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 3(5), pages 593-613, May.

    More about this item


    Non-interest Income; ICT; Banking Characteristics; Macro Factors; Panel Data; Tunisia;

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • G2 - Financial Economics - - Financial Institutions and Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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