Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
Financial Performance Analysis In Ethiopian Banking Sector
Download Financial Performance Analysis In Ethiopian Banking Sector full books in PDF, epub, and Kindle. Read online Financial Performance Analysis In Ethiopian Banking Sector ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
Book Synopsis Financial Performance Analysis in Ethiopian Banking Sector by : Abara Gudata
Download or read book Financial Performance Analysis in Ethiopian Banking Sector written by Abara Gudata and published by LAP Lambert Academic Publishing. This book was released on 2014 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Project book is the original work of the author that was prepared by referring different relevant documents to provide the conceptual and theoretical foundations of financial management theory. It was prepared for the purpose of earning the MBA degree. It discusses the concept of financial performance analysis in case commercial banking sector. In order to achieve the research objectives the study employed financial ratio analysis of Ethiopian Commercial banks during 2008-2012. The background area, methodology, discussion, conclusions and recommendations were stipulated inside the paper. The findings was arrived at by employing T-test hypothesis to check the difference between operational efficiency, liquidity management, assets management, profitability position among selected Commercial banks in Ethiopia.
Book Synopsis Comparative Studies on Financial Performance of Commercial Banks in Ethiopia. Problems and Prospects by : Tarekegn Tamiru Woldesenebt
Download or read book Comparative Studies on Financial Performance of Commercial Banks in Ethiopia. Problems and Prospects written by Tarekegn Tamiru Woldesenebt and published by GRIN Verlag. This book was released on 2019-01-25 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thesis (M.A.) from the year 2011 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: Very Good, Mekelle University, language: English, abstract: The objective of the study was to compare the financial performance of commercial Banks by using their average ratio in terms of profitability, liquidity, efficiency, and solvency. In this study by using excel analyzed information was presented by statistical measures like graphs and tables. Both the trend and comparative financial performance analysis approaches were used. Five years audited financial reports from 2005 to 2009 of the commercial banks were taken for comparison purpose. Those commercial banks taken for comparison were Commercial Bank of Ethiopia, Dashen Bank Share Company, Bank of Abyssinia, United Bank, Wegagen Bank, and Nib International Bank. Year of establishment, amount of capital reserve, and number of branches are taken as a criterion for selecting these commercial banks for analysis purpose. In addition to data gathered from secondary sources, unstructured interview was conducted on problem and prospects related to the financial performance of commercial banks and the responses were presented. The respective ratios of each bank are compared with the average ratios of the six commercial banks taken for the study. Then trend analyses of six commercial banks taken in this study are presented by using the above ratios. In both the financial performance analysis approaches i.e., the trend and comparative analysis, Commercial Bank of Ethiopia (CBE) showed good performance in financial ratios of Profitability, Liquidity, and Solvency ratio, but Bank of Abyssinia(BOA) has showed weak performance in all above explained financial ratios. From this, it is concluded that CBE was profitable and functionally efficient and BOA is less profitable and the earning capacity of the bank is weak. Therefore, in order to improve profitability the management of BOA must increase management efficiency by reducing administrative expenses to the best possible level, efficiently control costs and utilize customers deposit, dispose of the assets which are not contributing for the profitability of the banks and work to maximize the overall profitability of the bank through investing in profitable avenue.
Book Synopsis Analysis of Financial Performance of Commercial Banks in Rwanda by : Sylvain R. Ntuite
Download or read book Analysis of Financial Performance of Commercial Banks in Rwanda written by Sylvain R. Ntuite and published by GRIN Verlag. This book was released on 2018-07-02 with total page 95 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2015 in the subject Economics - Finance, grade: Upper level division2, , course: Thesis, language: English, abstract: The objective of this study is to analyze the performance of two selected commercial banks over a period of six years (2008-2013) in the Rwandan banking sector. For this purpose, CAMEL approach has been used and it is established that I&M Bank and BPR are at the top of the list, with their performances in terms of soundness being the best, but the commercial bank like BPR has taken a backseat and display low economic soundness in comparison. The study found that overall bank performance increased considerably in the first three years of the analysis. A significant change in trend is noticed at the onset of the global financial crisis in 2007, reaching its peak during 2008-2009. This resulted in falling profitability, low liquidity and deteriorating credit quality in the Rwandan Banking sector in general and BPR and I&M Bank particularly.
Book Synopsis The effect of financial innovations on profitability of commercial banks of Ethiopia by : Abdihakeem Omer
Download or read book The effect of financial innovations on profitability of commercial banks of Ethiopia written by Abdihakeem Omer and published by GRIN Verlag. This book was released on 2023-02-10 with total page 107 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: Very Good, , course: MBA - FINANCE, language: English, abstract: The Ethiopian banking system is very much behind in the adoption of financial innovations compared to the rest of the world, however, the Ethiopian financial sector cannot remain an exception in expanding the use of the modern banking. The main objective of this study was to examine the effect of financial innovations on the profitability growth of commercial banks in Ethiopia. The specific objectives were to examine the effect of product innovation, bank specific factors and macro-economic factors on profitability growth in commercial banks. The study were used quantitative research, secondary data, and data was analyzed using both descriptive and inferential statistics and employed purposive sampling technique to select 12 banks for the study in the periods from 2016 to 2019. Multiple regression with the aid of STATA 14 software was used to examine in this study.
Book Synopsis The Impact of Income Sources Diversification on Bank Performance by : Mudesir Kasim
Download or read book The Impact of Income Sources Diversification on Bank Performance written by Mudesir Kasim and published by . This book was released on 2020-02-16 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3.5, language: English, abstract: The general objective of this study is to investigate the impact of income source diversification on financial performance of commercial banks in Ethiopia. Commercial banks in Ethiopia are currently facing competition from non-bank institutions entry into the activities which was in the past only role of banks. Therefore, banks started searching new income sources rather than focusing only traditional inter-mediation income generating activities. Thus, this study was to examine the impact of income sources diversification on bank performance in case of some selected commercial banks in Ethiopia by using panel data over the period 2010-2015. The study used secondary data collected mainly from each sampled banks annual report financial statements. Since the data is secondary in nature, quantitative approach was adopted. This data was analyzed by using STATA version 12 and Microsoft Excel. Fixed effect model was used, since this model is preferred than the random effect model based on the hausman specification test. Return on asset (ROA) was used as dependent variable while income diversification (Div) as independent variable with control variables such as bank size (BS) in terms of total assets, equity/ assets ratio (EAR), loan/asset ratio (LAR) and expense/income ratio (Exp). The findings of the study show that the level of diversification has a positive impact on financial performance of Ethiopian commercial banks. In addition, the study also revealed that EAR, LAR and BS had positive impact on financial performance while Exp had negative impact. The results of the study are important for bankers to understand how income diversification affects the performance of banks. Therefore, the study recommended that banks should diversify their sources of income into interest and non-interest as well as reduce oper
Book Synopsis Introduction to Banking by : Barbara Casu
Download or read book Introduction to Banking written by Barbara Casu and published by Pearson Education. This book was released on 2006 with total page 566 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides a comprehensive introduction to theoretical and applied issues relating to the global banking industry. The text is organised into four main Sections: Introduction to Banking; Central Banking and Bank Regulation; Issues in Bank Management and Comparative Banking Markets. Over recent years there has been a lack of a comprehensive yet accessible textbook that deals with a broad spectrum of introductory banking issues. This text fills that gap. This book is suitable for all undergraduate students taking courses in banking. It is also great background reading for postgraduate students.
Book Synopsis Intermediate Accounting, Volume 1 by : Donald E. Kieso
Download or read book Intermediate Accounting, Volume 1 written by Donald E. Kieso and published by Wiley. This book was released on 2009-09-29 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Gateway to the Profession 99% of surveyed practicing accountants feel that Kieso, Weygandt, and Warfield's Intermediate Accounting helped prepare them for success in professional practice. 100% would recommend the text to someone currently studying for an accounting degree. 80% said they referred to their copy when they first entered professional practice. Professionals who learned accounting from Intermediate Accounting find themselves well prepared to enter the workplace. So well prepared in fact, that many keep their copy of the text to refer to again and again. Why is this text so essential for professional success? * Currency--This 12th edition of Intermediate Accounting reflects the state-of-the-art in accounting today. The text is kept current with the Intermediate Accounting Newsletter, a periodical for users of the text that spotlights the very latest developments and their implications. * Real-world examples and illustrations--Numerous examples from real corporations help you understand exactly how professionals apply accounting principles and techniques. International Insight notes compare accounting practices in other countries. * Hands-on practice--This 12th edition features Professional Simulation problems, modeled on the new computerized exam. In addition, new accounting research exercises help you practice using the Financial Accounting Research Database System (FARS). * Comprehensive and clear explanations of concepts--The authors' clear writing style and logical organization help you understand the material. Make Kieso your gateway to the profession!
Book Synopsis The Effect of Banking Sector Development on Economic Growth. Empirical Analysis from Ethiopian Economy Final by : Zelalem Birhan
Download or read book The Effect of Banking Sector Development on Economic Growth. Empirical Analysis from Ethiopian Economy Final written by Zelalem Birhan and published by GRIN Verlag. This book was released on 2023-11-16 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Economics - Economic Cycle and Growth, grade: 3.33, Ethiopian Civil Service University, language: English, abstract: This paper examined the relationship between banking sector development and economic growth in Ethiopia. The paper also examines the effect of banking development on economic growth in Ethiopia and to establish which theory holds for Ethiopia between the demand-following and the supply-leading theory. Unlike the majority of previous studies, this study uses the newly developed ARDL-bounds testing approach to examine the relationship. The ARDL-bounds testing approach has numerous advantages over other co-integration techniques, especially when a short time-series dataset is used. In order to test the robustness of the empirical results, three proxies of bank-based financial development have been used; namely: 1) the domestic credit provided by the banking sector as a ratio of GDP, 2) broad money supply as a ratio of GD, 3) private credit as percentage of GDP. Annual time series data between the years 1987 and 2019 were used for the study, from the National Bank of Ethiopia (NBE) statistical bulletin. The structural break unit root test revealed that all the variables are stationary at their first difference; the bound test cointegration analysis established the existence of long run relationship among the variables. The ARDL revealed that domestic credit provided by the banking sector significantly affected economic growth in the long run, while private credit statistical significant and negatively affect economic growth in the short run during the period of study. The empirical results of this study show that the effect of banking sector development and economic growth in Ethiopia is sensitive to the proxy used to measure the banking sector development. The policymakers need to make policies that can lead to establishment of banking institutions in the rural areas which have limited access to banking services and create enabling legal environment for efficient allocation of credit to the private sector at the same time the supervisory organ shall establish conducive environment for banking institution which are engaging in loan granting for diversified economic sectors for private investment.
Book Synopsis Domestic Resource Mobilization and Financial Development by : G. Mavrotas
Download or read book Domestic Resource Mobilization and Financial Development written by G. Mavrotas and published by Springer. This book was released on 2008-03-27 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides insights into the evolving debate regarding the mobilization of domestic resources and the crucial role that financial development can and should play in this regard, exploring aspects of the financial development–domestic resource mobilization nexus, including country case studies.
Book Synopsis Commercial banks in economic development of SMEs. An analysis of their contribution by : Hitiyise Samuel
Download or read book Commercial banks in economic development of SMEs. An analysis of their contribution written by Hitiyise Samuel and published by GRIN Verlag. This book was released on 2021-08-04 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2021 in the subject Business economics - Investment and Finance, grade: second class upper division, , course: Accounting, language: English, abstract: The study was guided by analyzing the contribution of commercial banks in economic development of SMEs The target population for the study consisted of registered SMEs in KCBR as their clients.A descriptive research design as well as an explanatory research design was used. The study used Bouchard formula to sample SMEs and then used random sampling to select the 105 SMEs. The respondents of the study were the owners and managers of the SMEs. The study used questionnaires to collect quantitative data using closed ended questions . Data analysis will be done using SPSS statistical software version 21. Descriptive statistics (Frequencies, Means and Standard deviation) and inferential statistics (Correlations and regression) were used in analysis. A multiple linear regression model was used for analysis and all tests were conducted at 5% level of significance. The study findings indicated that banking services are positively related with economic development of SMEs. The study concluded that commercial banks in Nyarugenge district are favorable. The study also concluded commercial bank services are effective and they economic development of SMEs significantly. SMEs in Rwanda suffer from weak financial performance and a high failure rate. Scholars argue that judging by the poor economic development of the informal sector, not much progress seems to have been achieved, despite government efforts to promote SME activity. Some of the key factors attributed to this poor performance is access to financial services. Therefore, the purpose of this study was to examine the contribution of commercial banks in economic development of SMEs Normally, SMES play vital and significant contributors to economic development through their critical role in providing job opportunities and reducing poverty levels, an estimated number of up to 40% of the start-ups SMEs fail by year 2 and at least 60% close their doors by year 4. This menace is attributed to poor financial management among small businesses. Accessing credit is a major constraint to the economic development and growth of SMEs and also to poor rural and urban households. This is mainly due to the behavior of lenders in terms of hedging against borrowers’ risks by demanding collateral, which they lack, and also information asymmetry.
Book Synopsis Financial Performance by : Elaine Moreno
Download or read book Financial Performance written by Elaine Moreno and published by Nova Science Publishers. This book was released on 2016 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Globally, family businesses constitute one of the pillars of social welfare, exerting an active and fundamental role in modern economies by generating wealth and creating jobs. This institution provides security and progress for family participants in the project, and benefits both the community and the national and international economic structure. To analyse its impact on the economy, Chapter One empirically examines the effect of the value generated by family business on economic growth worldwide, nationally and in industry sectors. Chapter Two studies whether the one-rule-fits-all approach adopted by the Nigerian Securities Exchange Commission promotes firm performance irrespective of the firms' ownership structures in Nigerian family owned firms. Chapter Three takes a close look at how corporate governance practices are evaluated by stock market participants. In Chapter Four, the link between financial inclusion, development and economic growth in low income countries is examined.
Book Synopsis The Challenges and Prospects of IFRS Adoption in Ethiopian Commercial Banks by : Marenesh Abebe
Download or read book The Challenges and Prospects of IFRS Adoption in Ethiopian Commercial Banks written by Marenesh Abebe and published by GRIN Verlag. This book was released on 2018-03-02 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thesis (M.A.) from the year 2018 in the subject Business economics - Accounting and Taxes, grade: 2, Addis Ababa University, course: MBA in Finance, language: English, abstract: The study aims to examine the challenges and prospects of International Financial Reporting Standards (IFRS) adoption in Ethiopian Commercial Banks. To answer the research question and to achieve the objective of the study this paper adopted the mixed research approach. The questionnaire data were analyzed using descriptive statistics and data from interview and document review were interpreted qualitatively. The results show that IFRS adoption in Ethiopian Commercial Banks will result in a number of important benefits to a wide range of stakeholders. The study also found out that with the exception of capital market the other five variables namely need of amending legal and regulatory requirement , volatility of financial position and financial performance , difficulty of obtaining source documents and data ,need of updating the existing accounting software, information system and information technology of the bank, shortage of skilled and competent man power , shortage of strong professional bodies are the key challenges of IFRS adoption in Ethiopian Commercial Banks. Finally the study recommended the relevant commercial code, tax proclamation and NBE directive should be amended by Government organs in consultation with strong professional bodies , establishment of strong professional bodies and capital market, allocation of sufficient financial and other resources by top management , introduction of IFRS in colleges and universities and future adopters should think ahead the required source documents and data as well as ensure the extent of changes needed to update the existing IT infrastructure to satisfy IFRS requirements.
Book Synopsis Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited by : Anthony Abaidoo
Download or read book Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited written by Anthony Abaidoo and published by GRIN Verlag. This book was released on 2017-11-27 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2015 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main purpose of this study was to examine the determinants of loan default and its effects on financial performance of commercial banks in Ghana by using Fidelity Bank Limited as a case study. The study employed quantitative and qualitative research techniques as the research design. In achieving the research objectives primary and secondary data was used. The primary data was collected through a well structured questionnaire. Simple random technique was used to select 120 loan clients and a purposive sampling was used to select a credit staff. The data was collected from four branches of Fidelity Bank in the Brong Ahafo Region of Ghana. It was realized that the delays in loan approval, poor management, poor credit appraisal and diversion of loans are the main determinants of loan default in Fidelity bank. The study also found that SME clients (49.5%) defaults more than agric, personal and salary loan clients. The major cause of loan default according to the findings of this study was decrease in demand of goods and service (16.1%) sold by the loan clients. Again, it was realized that loan default has a negative impact on profitability. It is recommended that the following measures should be implemented to reduce the rate of loan default; good credit structuring, consistent monitoring, sound credit risk policies and standards, quality analysis, well trained staff, good corporate governance system, independent credit assessment, rescheduling and provision of additional funds.
Book Synopsis The Federal Democratic Republic of Ethiopia by : International Monetary Fund. Statistics Dept.
Download or read book The Federal Democratic Republic of Ethiopia written by International Monetary Fund. Statistics Dept. and published by INTERNATIONAL MONETARY FUND. This book was released on 2020-12-18 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: The International Monetary Fund’s (IMF’s) Statistics Department (STA) provided technical assistance (TA) on financial soundness indicators (FSI) to the National Bank of Ethiopia (NBE) during June 15-July 10, 2020. The TA mission took place in response to a request from the authorities, with the support of the IMF’s African Department (AFR). Due to the COVID-19 pandemic and travel restrictions, the mission was conducted remotely via video conferences. The mission worked with the staff of the NBE on the development of FSIs that are in line with the IMF’s 2019 FSI Guide.1 The main objectives of the mission were to: (i) review the source data, institutional coverage, and accounting and regulatory frameworks supporting the compilation of FSIs; (ii) provide guidance for mapping source data for the banking sector to the FSI reporting templates FS2 and FSD as well as preparing the metadata; and (iii) agree with the authorities on the timeline to begin regular reporting of the FSIs for deposit-takers to STA. The mission also provided technical assistance to the NBE on the compilation of net open positions in foreign currencies.
Book Synopsis The Determinants of Private Commercial Banks Profitability. In the Case of Selected Ethiopian Private Banks by : Moges Endalamaw Yigermal
Download or read book The Determinants of Private Commercial Banks Profitability. In the Case of Selected Ethiopian Private Banks written by Moges Endalamaw Yigermal and published by . This book was released on 2018-03-12 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scientific Essay from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, language: English, abstract: The main objective of the paper is to analyze the impact of bank specific and macro-economic factors on the profitability of selected Ethiopian private commercial banks over the period of 2005 to 2014. To meet the objective, both descriptive and random effect panel econometrics method of data analysis has been employed. The study uses both return on asset (ROA) and return on equity (ROE) as a measurement for banks profitability. Private Banks profit after tax gets increasing year after year and their ROA is found to be three percent on average. The deposit share of private commercial banks reached above 30 percent in 2014, while it was only 10 percent in 2000. The panel econometrics result shows that, the variable bank size and GDP growth rate has a positive and significant impact on private commercial banks ROA and ROE. While, interest rate spread has a negative and significant impact. The variable Loan to deposit ratio has negative and significant impact on banks ROA while, it has no effect on their ROE. Inflation also an important variable in explaining ROA at 10% significant level but, it has no effect on ROE. The other important variable in explaining ROE is loan concentration index it has positive and significant impact on banks ROE. But, it does not significantly explain ROA. As a recommendation the significant and positive impact of Bank size can be taken as a good signal for commercial banks to merge and to have scale advantage. The significant impact of macro-economic variables in explaining banks profit is an indicator to designed policies that promote sustainable output growth and controlling inflation to have stable banking sector.
Book Synopsis Determinants of Commercial Bank Interest Margins and Profitability by : Asl? Demirgüç-Kunt
Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Book Synopsis An Analysis of Financial Performance of Citibank, N a in Bangladesh by : Ahtasham Ahmed Chowdhury
Download or read book An Analysis of Financial Performance of Citibank, N a in Bangladesh written by Ahtasham Ahmed Chowdhury and published by LAP Lambert Academic Publishing. This book was released on 2011-10 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rationale behind this study is to explore performance of Citibank, N.A. Bangladesh which is reflected on its financial statements and to provide some comments to improve its banking business. This study is carried out by observing several financial ratios, analyzing trends of various elements of Citibank's past four years performance results. I have used correlation and regression tools by applying SPSS software package to determine the degree of relationship between variables with their significance. A hypothesis is formulated to test whether there is a positive correlation among the financial performance measured by return on assets & interest income, and the independent variables. Financial performance analysis is the most imperative section which covers the focal findings of the study. Financial highlights, common size financial statements, key financial ratios, regression and trend analysis tools are applied to assess the financial performance of the bank. Formulated hypothesis is tested in the last part of this section using correlation matrix. Final section shows SWOT analysis of the selected bank suggests some areas of perfection and draws a conclusion.
