Table 1 Key indicatorsa of the Tunisian banking sector
From: Diversification, bank performance and risk: have Tunisian banks adopted the new business model?
Indicators | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 |
|---|---|---|---|---|---|---|
Profitability | ||||||
ROA in (%) | 1 | 0.74 | 2.5 | 2.14 | 1.08 | 1.06 |
ROE in (%) | 11.88 | 9.09 | 11.26 | 18.25 | 15.63 | 11.07 |
NIM in (%) | 2.4 | 2.27 | 2.35 | 1.64 | 2.52 | 2.27 |
Competition/concentration | ||||||
IHH in (%) | 9.37 | 9.26 | 8.96 | 9.12 | 9.01 | 9.03 |
Risk | ||||||
LR in (%) | 106.36 | 102.42 | 109.58 | 107.35 | 101.05 | 103.09 |
CR in (%) | 85.81 | 82.69 | 85.72 | 85.35 | 83.34 | 79.41 |
Stability | ||||||
Z-score (ROA) in (%) | 6.44 | 6.12 | 6.03 | 5.41 | 5.94 | 6.36 |
Z-score (ROE) in (%) | 3.25 | 3.19 | 3.16 | 3.05 | 3.09 | 3.17 |
IBS[1] | 0.5 | 0.45 | 0.43 | 0.39 | 0.47 | 0.44 |