Abstract

This article aims to study the impact of new forms of banking intermediation on the performance of Tunisian
banks. The analysis was conducted on a sample of 10 Tunisian banks for a period of analysis that spans 13 years,
from 1997 until 2009. To make better use of our database, we have utilized the panel data technique.
Our empirical validation shows that the context of bank intermediation is still traditional, despite the reforms of
financial liberalization; they still carry the traditional business model of collecting deposits and granting loans to
increase their profit margins bank.

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