Title:

Non-Performing Loans and Banking Profitability

Group publication title:

Financial Sciences. Nauki o Finansach

Title in english:

Nieskuteczne pożyczki i rentowność banków

Creator:

Ameur, Imane

Description:

Financial Sciences. Nauki o Finansach, 2024, vol. 29, no. 1, s. 1-12

Abstrakt:

Aim: This article aimed to determine the effect of macroeconomic and specific variables on the ratio of non-performing loans, and study the recursive direction of bank profitability to NPLs in Tunisian banks. Methodology: To formalise this phenomenon, the author proposed a panel data model that covers a sample of ten listed Tunisian banks over a period from 2007 to 2015. Findings: The empirical results indicate the determining power of bank profitability measured by asset profitability, solvency ratio, credit growth rate, provision-based debt coverage rate, bank size, inflation and unemployment. Implications: The effect of these variables veered between the preservative and destructive aspects of the quality of bank assets. Originality/value: This study enabled not only to identify the explanatory factors of this phenomenon, but also to verify the existence of a simultaneous relation between NPLs and bank profitability.

Publisher:

Publishing House of Wroclaw University of Economics and Business

Place of publication:

Wrocław

Date:

2024

Resource Type:

artykuł

Resource Identifier:

doi:10.15611/fins.2024.1.01

Language:

eng

Relation:

Financial Sciences. Nauki o Finansach, 2024, vol. 29, no. 1

Rights:

Pewne prawa zastrzeżone na rzecz Autorów i Wydawcy

Access Rights:

Dla wszystkich zgodnie z licencją

License:

CC BY-SA 4.0

Location:

Uniwersytet Ekonomiczny we Wrocławiu