@incollection{,
	
					
					
					A81145C55B3CBB0A7B49EDD09BDE74A1
				,
	author={{Ines Ghazouani BenAmeur} and {Sonia MoussaMhiri} and {ISG Sousse}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}135112
}

@incollection{b0,
	
	
		,
	title={{«Commercial Bank Net Interest Margin, Default Risk, Interest Rate Risk, and off-Balance Sheet Banking}}
		,
	author={{
			LAngbazo
		}}
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			21
			
			,
	year={1997}
		
	

}

@book{b1,
	
	
		,
	author={{
			MAbreu
		} and {
			VMendes
		}}
		
		,
	title={{Commercial Bank Interest Margins and Profitability: Evidence from E.U. Countries», Working Paper Series}}
				Porto
		
			,
	year={2002}
		
	

}

@book{b2,
	
	
		,
	title={{«Determinants Bank Profitability: Macroeconomic Evidence from Nigeria}}
		,
	author={{
			ToniAburime
		} and {
			Uhomoibhi
		}}
		
		
			,
	year={2008}
			
		
		
			Deakin University
		
	
	,
	note={Working Paper}

}

@book{b3,
	
	
		,
	title={{«The determinants of bank interest spreads in Brazil». Banco Central di Brazil Working Papers}}
		,
	author={{
			TPAfanasieff
		} and {
			MLhacer
		} and {
			Nakane
		}}
		
		
		
			,
	year={2002}
		
	

}

@book{b4,
	
	
		,
	title={{«Determinants of UAE Commercial Banks Performance», southwesternfinance}}
		,
	author={{
			Al-TamimiHussein
		} and {
			AHassan
		}}
		
		
		
			,
	year={2010}
		
	

}

@book{b5,
	
	
		,
	title={{«Determinants of Bank Profitability in the Southern Eastern European Region}}
		,
	author={{
			PAthanasoglou
		} and {
			MDelis
		} and {
			CStaikouras
		}}
		
		
		
			,
	year={2006}
		
	

}

@incollection{b6,
	
	
		,
	title={{« Bank-specific, industry-specific and macroeconomic determinants of bank profitability}}
		,
	author={{
			PAthanasoglou
		} and {
			SBrissimis
		} and {
			MDelis
		}}
		
		
	
	
		,
	journal={{Journal of International Financial Markets, Institutions and Money}}
		
			18
			2
			
			,
	year={2008}
		
	

}

@incollection{b7,
	
	
		,
	title={{«The Determinants of the Profitability of the Tunisian Deposit}}
		,
	author={{
			Ayadi
		} and {
			YBoujelbene
		}}
		
		ID 165418
	
	
		,
	journal={{Banks IBIMA Business Review}}
		
			2012
			,
	year={2012}
		
	

}

@book{b8,
	
	
		,
	author={{
			BHBaltagi
		}}
		,
	title={{Econometric Analysis of Panel Data}}
				Chichester
		
			,
	publisher={John Wiley & Sons}
			,
	year={2001}
		
	

}

@incollection{b9,
	
	
		,
	title={{«Bank privatization and performance: empirical evidence from Nigeria}}
		,
	author={{
			TBeck
		} and {
			RCull
		} and {
			JAfeikhena
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			29
			8-9
			
			,
	year={2005}
		
	

}

@book{b10,
	
	
		,
	title={{«Interest spreads in banking in Colombia}}
		,
	author={{
			A RBarajas
		} and {
			NSteiner
		} and {
			Salazar
		}}
		
		
		
			,
	year={1999}
			
		
	

}

@incollection{b11,
	
	
		,
	title={{}}
	
	
		,
	journal={{IMF Staff Papers}}
		
			46
			
		
	

}

@incollection{b12,
	
	
		,
	title={{«Bank supervision and regulation: what works best?}}
		,
	author={{
			JBarth
		} and {
			RCaprio
		} and {
			Levine
		}}
		
		
	
	
		,
	journal={{Journal of Financial Intermediation}}
		
			13
			
			,
	year={2004}
		
	

}

@incollection{b13,
	
	
		,
	title={{«Competitive viability in banking: scale, scope, and product mix economies}}
		,
	author={{
			ABerger
		} and {
			DHanweck
		} and {
			DHumphrey
		}}
		
		
	
	
		,
	journal={{Journal of Monetary Economics}}
		
			20
			3
			
			,
	year={1987}
		
	

}

@incollection{b14,
	
	
		,
	title={{«The profit-structure relationship in banking: tests of market-power and efficientstructure hypotheses}}
		,
	author={{
			ABerger
		}}
	
	
		,
	journal={{Journal of Money, Credit and Banking}}
		
			27
			2
			
			,
	year={1995}
		
	

}

@incollection{b15,
	
	
		,
	title={{«The determinants of the Tunisian deposit banks' performance}}
		,
	author={{
			BenNaceur
		} and {
			S
		} and {
			MGoaied
		}}
		
		
	
	
		,
	journal={{Applied Financial Economics}}
		
			11
			
			,
	year={2001}
		
	

}

@book{b16,
	
	
		,
	author={{
			SBen Naceur
		}}
		,
	title={{The Determinants of the Tunisian Banking Industry Profitability: Panel Evidence», Paper Presented at the Proceedings of the Economic Research Forum (ERF) 10 th Annual Conference}}
				Marrakesh-Marocco, Decembre
		
			,
	year={2003. 2003}
			
		
	

}

@incollection{b17,
	
	
		,
	title={{«The determinants of commercial bank interest margin and profitability: evidence from Tunisia}}
		,
	author={{
			SBen Naceur
		} and {
			MGoaied
		}}
		
	
	
		,
	journal={{Frontiers in Finance and Economics}}
		
			5
			
			,
	year={2008}
		
	

}

@incollection{b18,
	
	
		,
	title={{«The Determinants of Commercial Bank Interest Margin and Profitability: Evidence from Tunisia}}
		,
	author={{
			SBen Naceur
		} and {
			MGoaied
		}}
		
	
	
		,
	journal={{Under Review at the Journal of Frontiers in Economics and Finance}}
		
			5
			1
			
			,
	year={2010}
		
	

}

@incollection{b19,
	
	
		,
	title={{«The effects of bank regulations, competition, and financial reforms on banks' performance}}
		,
	author={{
			BenNaceur
		} and {
			Omra
		}}
		
	
	
		,
	journal={{Emerging Markets Review}}
		
			12
			
			,
	year={2011. 2011}
		
	

}

@incollection{b20,
	
	
		,
	title={{«Cyclical patterns in profits, provisioning and lending of banks and procyclicality of the new basel capital requirements}}
		,
	author={{
			JBikker
		} and {
			HHu
		}}
		
	
	
		,
	journal={{Banca Nazionale del Lavoro Quarterly Review}}
		
			
			,
	year={2002}
		
	

}

@incollection{b21,
	
	
		,
	title={{«Exploring the nexus between banking sector reform and performance: evidence from newly acceded EU countries}}
		,
	author={{
			SNBrissimis
		} and {
			MDDelis
		} and {
			NIPapanikolaou
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			32
			12
			
			,
	year={2008}
		
	

}

@incollection{b22,
	
	
		,
	title={{«Initial conditions and moment conditions in dynamic panel data models}}
		,
	author={{
			RBlundell
		} and {
			SBond
		}}
		
	
	
		,
	journal={{Journal of Econometrics}}
		
			87
			
			,
	year={1998}
		
	

}

@incollection{b23,
	
	
		,
	title={{«Concentration and other determinants of bank profitability in Europe}}
		,
	author={{
			PBourke
		}}
	
	
		,
	journal={{North America and Australia»}}
		
			13
			
			,
	year={1989}
		
	
	,
	note={Journal of Banking & Finance}

}

@incollection{b24,
	
	
		,
	title={{«The impact of bank capital on profitability and risk in Asian banking}}
		,
	author={{
			HLChien-Chiang
		} and {
			Meng-Fen
		}}
		
	
	
		,
	journal={{Journal of International Money and Finance}}
		
			32
			
			,
	year={2013. 2013}
		
	

}

@incollection{b25,
	
	
		,
	title={{«Determinants of commercial bank interest margins and profitability: Some international evidence}}
		,
	author={{
			ADemerguç-Kunt
		} and {
			HHuizinga
		}}
		
	
	
		,
	journal={{World Bank Economic Review}}
		
			13
			
			,
	year={1999}
		
	

}

@book{b26,
	
	
		,
	title={{«Financial Structure and Bank Profitability in Financial Structure and Economic Growth: A Cross-Country Comparison of Banks, Markets, and Development}}
		,
	author={{
			ADemerguç-Kunt
		} and {
			HHuizinga
		}}
		
		,
	editor={Asli Demirguc-Kunt and Ross Levine. Cambridge. MA}
		
			,
	year={2001. 2001}
			,
	publisher={MIT Press}
		
	

}

@incollection{b27,
	
	
		,
	title={{«Determinants of bank profitability before and during the crisis: Evidence from Switzerland»}}
		,
	author={{
			ADietrich
		} and {
			GWanzenried
		}}
		
	
	
		,
	journal={{Journal of International Financial Markets}}
		
			2
			
			,
	year={2011}
		
	
	,
	note={Institutions and Money}

}

@book{b28,
	
	
		,
	title={{«Greek Banking at the Dawn of the New Millennium}}
		,
	author={{
			BEichengreen
		} and {
			HDGibson
		}}
		
		
			,
	year={2001}
		
	
	,
	note={CERP Discussion Paper No. 2791}

}

@incollection{b29,
	
	
		,
	title={{«What explains the low profitability of Chinese banks?}}
		,
	author={{
			AGarcía-Herrero
		} and {
			SGavilá
		} and {
			DSantabárbara
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			33
			11
			
			,
	year={2009}
		
	

}

@incollection{b30,
	
	
		,
	title={{«The profitability of European Banks: a cross-sectional and dynamic panel analysis}}
		,
	author={{
			JGoddard
		} and {
			PMolyneux
		} and {
			JWilson
		}}
		
		
	
	
		,
	journal={{Manchester School}}
		
			72
			3
			
			,
	year={2004}
		
	

}

@book{b31,
	
	
		,
	author={{
			JGoddard
		} and {
			HLiu
		} and {
			PMolyneux
		} and {
			JWilson
		}}
		
		
		
		,
	title={{Do bank profits converge?», Working Paper}}
				Golin
		
			,
	year={2009. 2001}
		
	

}

@book{b32,
	
	
		,
	title={{«Determinants of commercial bank profitability in Malaysia», working papers}}
		,
	author={{
			BJGuru
		} and {
			Staunton
		} and {
			Balashanmugam
		}}
		
		
		
			,
	year={2002}
		
		
			University Multimedia
		
	

}

@book{b33,
	
	
		,
	title={{«Determinants of Islamic banking profitability}}
		,
	author={{
			MKHassan
		} and {
			ABashir
		}}
		
		
			,
	year={2003}
		
	
	,
	note={Paper presented at the Economic Research Forum Conference 10th annual conference}

}

@book{b34,
	
	
		,
	title={{«Oil Prices and Bank Profitability: Evidence from Major Oil-Exporting Countries in the Middle East and North Africa», IMF Working Papers 09/220}}
		,
	author={{
			Hesse.H & Poghosyan
		}}
		
			,
	year={2009}
			,
	publisher={International Monetary Fund}
		
	

}

@incollection{b35,
	
	
		,
	title={{«Ownership structure, risk and performance in the European banking industry}}
		,
	author={{
			GIannotta
		} and {
			GNocera
		} and {
			ASironi
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			31
			7
			
			,
	year={2007}
		
	

}

@incollection{b36,
	
	
		,
	author={{
			HusniKhrawish
		} and {
			WalidZakariaSiam
		} and {
			AliHusni Khrawish
		}}
		
		
	
	
		,
	booktitle={{«Determinants of Islamic Bank Profitability: Evidence from Jordan», Middle Eastern Finance and Economics}}
				
			,
	year={2011. 2011}
			13
			
		
	

}

@incollection{b37,
	
	
		,
	title={{«A Multivariate analysis of the financial characteristics of foreign and domestic banks in the UK»}}
		,
	author={{
			KKosmidou
		} and {
			FPasiouras
		} and {
			MDoumpos
		} and {
			CZopounidis
		}}
		
		
		
	
	
		,
	journal={{Omega}}
		
			34
			2
			
			,
	year={2006}
		
	

}

@book{b38,
	
	
		,
	title={{«Determinants of Profitability of Domestic UK Commercial Banks: Panel Evidence from the Period}}
		,
	author={{
			KKosmidou
		} and {
			STanna
		} and {
			FPasiouras
		}}
		
		
		
			,
	year={2005. 1995-2002. 2005}
		
		
			Money Macro and Finance (MMF) Research Group Conference
		
	

}

@incollection{b39,
	
	
		,
	title={{«Determinants of Greek Commercial Banks Profitability}}
		,
	author={{
			ECMamatzakis
		} and {
			PCRemoundos
		}}
		
	
	
		,
	journal={{SPOUDAI}}
		
			53
			1
			
			,
	year={2003. 1989 -2000}
		
	

}

@book{b40,
	
	
		,
	title={{«Bank ownership and performance. Does politics matter?}}
		,
	author={{
			AMicco
		} and {
			UPanizza
		} and {
			MYanez
		}}
		
		
		
			,
	year={2007}
		
	

}

@incollection{b41,
	
	
		,
	title={{}}
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			31
			1
			
		
	

}

@incollection{b42,
	
	
		,
	title={{«Determinants of European Bank Profitability: A Note}}
		,
	author={{
			PMolyneux
		} and {
			JThornton
		}}
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			16
			6
			
			,
	year={1992}
		
	

}

@incollection{b43,
	
	
		,
	title={{«Why does bank performance vary across states?}}
		,
	author={{
			MNeely
		} and {
			DWheelock
		}}
		
	
	
		,
	booktitle={{Federal Reserve Bank of St Louis Reviews}}
				
			,
	year={1997}
			
		
	

}

@incollection{b44,
	
	
		,
	title={{«Factors influencing the profitability of domestic and foreign commercial banks in the European Union», Research in International}}
		,
	author={{
			FPasiouras
		} and {
			KKosmidou
		}}
		
	
	
		,
	journal={{Business and Finance}}
		
			21
			2
			
			,
	year={2007}
		
	

}

@incollection{b45,
	
	
		,
	title={{«Bahrain's Commercial Bank Performances During}}
		,
	author={{
			AbdusSamad
		}}
	
	
		,
	journal={{Credit & Financial Management Review}}
		
			,
	year={2004. 1994-2001}
		
	
	,
	note={working paper}

}

@book{b46,
	
	
		,
	author={{
			BShort
		}}
		,
	title={{The relation between commercial bank profit rates and banking concentration in}}
				
			,
	year={1979}
		
	

}

@incollection{b47,
	
	
		,
	title={{}}
		,
	author={{
			WesternCanada
		} and {
			Europe
		} and {
			»Japan
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			3
			3
			
		
	

}

@incollection{b48,
	
	
		,
	title={{«Loan-loss experience and risk-taking behavior at large commercial banks»}}
		,
	author={{
			JSinkeyJr
		} and {
			MGreenawalt
		}}
		
	
	
		,
	journal={{Journal of Financial Services Research}}
		
			5
			
			,
	year={1991}
		
	

}

@incollection{b49,
	
	
		,
	title={{«Evidence on the (non) relationship between concentration and profitability in banking}}
		,
	author={{
			MSmirlock
		}}
	
	
		,
	journal={{Journal of Money, Credit, and Banking}}
		
			17
			1
			
			,
	year={1985}
		
	

}

@incollection{b50,
	
	
		,
	title={{«The determinants of European bank profitability}}
		,
	author={{
			CStaikouras
		} and {
			GWood
		}}
		
	
	
		,
	journal={{International Business and Economics Research Journal}}
		
			3
			6
			
			,
	year={2004}
		
	

}

@incollection{b51,
	
	
		,
	title={{«The Determinants of Bank Profitability in Europe}}
		,
	author={{
			CHStaikouras
		} and {
			GWood
		}}
		
	
	
		,
	booktitle={{Paper Presented at the European Applied Business Research Conference}}
				Venice, Italy
		
			,
	year={2003. June}
			
		
	

}

@book{b52,
	
	
		,
	title={{«The dark side of diversification: The case of US financial holding}}
		,
	author={{
			KJStiroh
		} and {
			ARumble
		}}
		
		
			,
	year={2006}
		
	

}