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Table 2 Evolution of the average ROA, ROE, NII and IIC (Value are in %)

From: Diversification, bank performance and risk: have Tunisian banks adopted the new business model?

Years

ROA

ROE

NII/TA

IIC/TA

NII/GR

IIC/GR

2005

0.215

−2.283

1.039

4.804

14.506

65.800

2006

0.535

−3.559

1.077

5.077

14.007

73.300

2007

0.716

5.907

1.028

4.903

14.031

70.100

2008

1.087

9.071

0.979

5.034

13.620

74.100

2009

0.897

7.902

0.799

4.377

13.233

73.800

2010

−1.886

13.138

0.773

4.306

13.037

73.800

2011

−0.187

5.528

0.708

4.039

12.370

73.100

2012

−0.162

4.629

0.635

3.754

11.494

73.400

  1. Source: The authors from annual reports of Tunisian banks
  2. Notes: ROA: return on assets, ROE: return on equity, NII: non-interest income, TA: total assets, GR: gross revenues, IIC: interest income