What question did this study set out to answer?

This research aims to analyze how green banking influences the profitability of commercial banks in Tunisia from 2010 to 2023.

February 8, 2026Open Access

How green banking affects bank profitability? Evidence from tunisian banks

Key Points

This research aims to analyze how green banking influences the profitability of commercial banks in Tunisia from 2010 to 2023.
Analyzed financial data from Tunisian banks between 2010 and 2023
Assessed the impact of green banking initiatives on profitability
Utilized quantile regression methods to understand varying impacts across profitability levels
Found a negative impact of green banking on overall bank profitability due to associated costs
Identified differences in the profitability effects of online versus traditional banking services
Observed variations in impact depending on specific profitability quantiles

Abstract

This paper empirically investigates the impact of green banking on the financial performance of commercial Tunisian banks using data for the period 2010–2023. On the one hand, the results show a negative impact of green banking on bank profitability, as online banking incurs its own expenses. On the other hand, we find out that the effect of online applications and services on the bank performance differs by the distribution quantiles of the financial profitability. Hence, this paper contributes to the literature by attempting to discern the difference between traditional services and online ones, in terms of bank profitability.

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Cite This Study

Hamza et al. (Mon,) studied this question.

synapsesocial.com/papers/6988292d0fc35cd7a884956f https://doi.org/https://doi.org/10.57944/1051-252

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