Universal Banking and Credit Risk: Evidence from Tunisia

Authors

  • HAKIMI Abdelaziz Faculty of Law, Economics and Management of Jendouba, Tunisia. E-mail:
  • DKHILI Hichem Faculty of Law, Economics and Management of Jendouba, Tunisia. E-mail:
  • KHLAIFIA Wafa Faculty of Law, Economics and Management of Jendouba, Tunisia.

Abstract

The aim of this paper is to study the effect of universal banking on the Tunisian banking credit risk. By using a sample of Tunisian banks over the period 1980-2010 and based on the panel data analysis method, results show that the universal banking increases significantly the credit risk. However, the level of competition is positively correlated but not significantly with the dependant variable. For the macro variables, we find that only the GDP exerts a positive and significant effect on the credit risk, but the effect of the inflation variable is not significant.

Keywords: Universal banks; Credit risk; Liquidity; Competition; Panel data; Tunisia

JEL Classifications: E13, G24; G28, N24

Downloads

Download data is not yet available.

Downloads

Published

2012-09-22

How to Cite

Abdelaziz, H., Hichem, D., & Wafa, K. (2012). Universal Banking and Credit Risk: Evidence from Tunisia. International Journal of Economics and Financial Issues, 2(4), 496–504. Retrieved from https://www.econjournals.com/index.php/ijefi/article/view/266

Issue

Section

Articles