In our paper, we will attempt to do just that: In the first chapter, we present the concept of financial stability, the various indicators and determinants at microeconomic level, and finally, we discuss the key role played by the provisioning process in stabilizing the financial system.The second chapter explains the factors behind financial stability from a macroeconomic point of view. The crucial role of so-called "non-cyclical" factors is highlighted, using the Tunisian example.Finally, the third chapter concerns the empirical explanation of banking efficiency, studied on a chosen temporary scale, which will enable us to assess banking stability in particular and financial stability from a more general point of view.
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