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            <title xml:lang="en">ANALYSIS OF INTERNAL AND EXTERNAL FACTORS INFLUENCING COMMERCIAL BANKS PERFORMANCE: EMPIRICAL EVIDENCE FROM TUNISIA BANKING SECTOR 2022</title>
            <title xml:lang="en" type="sub">International Journal of Economics, Commerce &amp;amp; Management</title>
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                <title xml:lang="en">ANALYSIS OF INTERNAL AND EXTERNAL FACTORS INFLUENCING COMMERCIAL BANKS PERFORMANCE: EMPIRICAL EVIDENCE FROM TUNISIA BANKING SECTOR 2022</title>
                <title xml:lang="en" type="sub">International Journal of Economics, Commerce &amp;amp; Management</title>
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                    <forename type="first">Souad</forename>
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                <term xml:lang="en">external factors</term>
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                <term xml:lang="en">NIM</term>
                <term xml:lang="en">GMM</term>
                <term xml:lang="en">Tunisia</term>
                <term xml:lang="en">internal factors</term>
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              <p>The aim of this study is to examine the effect of bank-specific and macroeconomic factors of Tunisian bank profitability. We apply a dynamic panel model, using Generalized Methods of Moments (GMM) system for 10 Tunisian commercial banks, during the period 1998-2017. The empirical results reveal a high degree of persistence in bank performance. The estimation of a dynamic panel model by the GMM method allowed us to observe that the internal variables; capital, cost/income ratio and ownership play a significant determinant role in bank performance, measured by ROA ROE, NIM ratio. Private banks seem more profitable than public banks. Also, industry-specific factors, such as concentration and the size of the banking system, have a negative and significant effect on performance. However, inflation seems to negatively affect the net interest margin of the bank and the corruption coefficient (CI) is positive and statistically significant only when the performance of banks is measured by the ROA.</p>
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