The Determinants Of Ethiopian Commercial Banks Performance

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The Determinants of Ethiopian Commercial Banks Performance

Author : Tesfaye Boru Lelissa
Publisher :
ISBN 13 : 9783659589904
Total Pages : 72 pages
Book Rating : 4.5/5 (899 download)

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Book Synopsis The Determinants of Ethiopian Commercial Banks Performance by : Tesfaye Boru Lelissa

Download or read book The Determinants of Ethiopian Commercial Banks Performance written by Tesfaye Boru Lelissa and published by . This book was released on 2014-08-15 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the determinants of Ethiopian banks performance considering bank specific and external variables on selected banks' profitability for the 1990-2012 periods. The empirical investigation uses the accounting measure Return on Assets (ROA) to represent Banks' performance. The study finds that bank specific variables by large explain the variation in profitability. High performance is related to the ability of banks to control their credit risk, diversify their income sources by incorporating non-traditional banking services and control their overhead expenses. In addition, the paper finds that bank's capital and liquidity status are not significant to affect the performance of banks. On the other hand, the paper finds that bank size and macro-economic variables such real GDP growth rates have no significant impact on banks' profitability. However, the inflation rate is determined to be significant driver to the performance of the Ethiopian commercial banks

The Impact of Income Sources Diversification on Bank Performance

Author : Mudesir Kasim
Publisher : GRIN Verlag
ISBN 13 : 3346117871
Total Pages : 62 pages
Book Rating : 4.3/5 (461 download)

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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 GRIN Verlag. This book was released on 2020-02-21 with total page 62 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 operating expense in effective way, so as to enhance their performance (ROA).

Comparative Studies on Financial Performance of Commercial Banks in Ethiopia. Problems and Prospects

Author : Tarekegn Tamiru Woldesenebt
Publisher : GRIN Verlag
ISBN 13 : 3668870551
Total Pages : 82 pages
Book Rating : 4.6/5 (688 download)

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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.

The Determinants of Private Commercial Banks Profitability. In the Case of Selected Ethiopian Private Banks

Author : Moges Endalamaw Yigermal
Publisher :
ISBN 13 : 9783668653283
Total Pages : 20 pages
Book Rating : 4.6/5 (532 download)

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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.

The effect of financial innovations on profitability of commercial banks of Ethiopia

Author : Abdihakeem Omer
Publisher : GRIN Verlag
ISBN 13 : 3346810380
Total Pages : 107 pages
Book Rating : 4.3/5 (468 download)

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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.

Determinants of Commercial Bank Interest Margins and Profitability

Author : Asl? Demirgüç-Kunt
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4./5 ( download)

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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.

Financial Performance Analysis in Ethiopian Banking Sector

Author : Abara Gudata
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783659517754
Total Pages : 72 pages
Book Rating : 4.5/5 (177 download)

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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.

Efficiency in European Banking

Author : Philip Molyneux
Publisher :
ISBN 13 :
Total Pages : 368 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Efficiency in European Banking by : Philip Molyneux

Download or read book Efficiency in European Banking written by Philip Molyneux and published by . This book was released on 1996-09-27 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the current state of banking within Europe. It describes how banks are experiencing greater deregulation, allowing for stronger competition and a more restrictive regulation of supervision. This has led to corporate restructuring within the banking industry.

Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia

Author : Mequanint Zeleke
Publisher : GRIN Verlag
ISBN 13 : 3346123812
Total Pages : 68 pages
Book Rating : 4.3/5 (461 download)

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Book Synopsis Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia by : Mequanint Zeleke

Download or read book Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia written by Mequanint Zeleke and published by GRIN Verlag. This book was released on 2020-03-02 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (undergraduate) from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This study is attempted to examine factors affecting non -performing loan of development bank of Ethiopia. The main objective is to examine the factors affecting nonperforming loans in DBE central region. After problem identification, research hypothesis was developed which inquires the relationship and effect of non-performing loans on development bank of Ethiopia. Both secondary and primary data were used in the research. The data is then analyzed using descriptive, correlation and regression techniques through SPSS and Stata software program. The findings of the study revealed that gross domestic product has a positive impact on the occurrence of non-performing loans while other model variables unemployment, inflation rate and exchange rate have no impact on the occurrence of non-performing loan in which negatively affect non-performing loan. according to my study result. Also the result of the primary data indicated that in regarding about customer's specific causes, the result showed that credit culture of customers, lack of business knowledge, delayed approval, profit of the business, business location were determinants of non-performing loan while bank specific factors include poor credit assessment, poor customer selection, aggressive lending policy, borrowers culture, credit size affected non-performing loan.

Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited

Download Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited PDF Online Free

Author : Anthony Abaidoo
Publisher : GRIN Verlag
ISBN 13 : 3668580227
Total Pages : 57 pages
Book Rating : 4.6/5 (685 download)

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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.

European Banking

Author : John A. Goddard
Publisher : John Wiley & Sons
ISBN 13 :
Total Pages : 320 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis European Banking by : John A. Goddard

Download or read book European Banking written by John A. Goddard and published by John Wiley & Sons. This book was released on 2001-07-10 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: The retail banking sector has undergone immense change over the last decade, such that the industry is barely recognisable. The creation of the European Single Market has of necessity initiated deregulation, whilst the increase in telephone and internet banking has impacted on economies of scale. Financial services organisations are now able to compete in previously uncharted territory, to considerable effect. Taking the reader on a journey of discovery through the economic theory behind the practice and the consequences that follow, the authors have created a fascinating insight into the current state of European retail banking. The authors use their extensive research to display the rationale behind the increasing trend towards consolidation and efficiency. Well argued and well researched, this is a must read for all people with an interest in the European Banking market, from investors to bankers and students alike. "This outstanding contribution has everything a banking practitioner, academic or regulator would need to know about European banking, complete from theory to practice to data to background references. This is a must-have reference guide for anyone who wants or needs to know about our financial system." - Allen N. Berger, Senior Economist, Federal Reserve Board

The Determinants of Banks' Liquidity Buffers in Central America

Author : Ms.Corinne Delechat
Publisher : International Monetary Fund
ISBN 13 : 1557754004
Total Pages : 43 pages
Book Rating : 4.5/5 (577 download)

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Book Synopsis The Determinants of Banks' Liquidity Buffers in Central America by : Ms.Corinne Delechat

Download or read book The Determinants of Banks' Liquidity Buffers in Central America written by Ms.Corinne Delechat and published by International Monetary Fund. This book was released on 2012-12-21 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks’ liquidity holdings are comfortably above legal or prudential requirements in most Central American countries. While good for financial stability, high systemic liquidity may nonetheless hinder monetary policy transmission and financial markets development. Using a panel of about 100 commercial banks from the region, we find that the demand for precautionary liquidity buffers is associated with measures of bank size, profitability, capitalization, and financial development. Deposit dollarization is also associated with higher liquidity, reinforcing the monetary policy and market development challenges in highly dollarized economies. Improvements in supervision and measures to promote dedollarization, including developing local currency capital markets, would help enhance financial systems’ efficiency and promote intermediation in the region.

Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches

Download Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches PDF Online Free

Author :
Publisher : GRIN Verlag
ISBN 13 : 3346985059
Total Pages : 92 pages
Book Rating : 4.3/5 (469 download)

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Book Synopsis Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches by :

Download or read book Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches written by and published by GRIN Verlag. This book was released on 2023-12-19 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2023 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study was to examine the determinants of non-performing loans in the case of the Development Bank of Ethiopia, Bahir Dar District. Descriptive and explanatory research designs were employed. The study uses both a quantitative and qualitative research approach. The study also uses both primary and secondary data sources. The primary source was collected from all 125 employees using questionnaires and interviews conducted with concerned managerial staffs of the district. The secondary source was gathered from DBE manuals, policy and procedure of the bank, NBE directives, bank's T-24 system, loan positions and provisions documents. The data was analyzed and interpreted by using descriptive and inferential statistics with the help of SPSS version 22.0 and qualitative analysis like interview and document analysis. The correlation between independent variables (bank specific and External factor) and dependent variables (nonperforming loan) were tested by using person correlation and the casual relation was analyzed by using linear multiple regression analysis. The finding of the study indicate that credit assessment, project monitoring, credit appraisal, bank top management, political and social instability, availability of infrastructure, collateral strength and market factor are significant factors for occurrence of non-performing loans. However, credit term and condition and lending interest rate are insignificant factor for the occurrence of non-performing loans. Finally, the study recommends the district should perform proper selection of customers and make appropriate due diligence based on KYC assessments, proper monitoring and follow up as per the schedule, make accurate credit appraisal, granting loans via strong collateral coverage, sound decision made by top management based on policy and procedure of the bank, improve capacity of credit performer by providing relevant training.

Greek Banking

Author : F. Pasiouras
Publisher : Springer
ISBN 13 : 1137271574
Total Pages : 150 pages
Book Rating : 4.1/5 (372 download)

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Book Synopsis Greek Banking by : F. Pasiouras

Download or read book Greek Banking written by F. Pasiouras and published by Springer. This book was released on 2012-06-29 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: From a period of growth and considerably high levels of profitability, Greek banks recently found themselves battling a major decrease in demand in the local market, and an increase in non-performing loans. How is the Greek banking system able to survive the crisis? This is discussed by looking at the last 15 years of the Greek banking system.

Total Quality Management Implementation and how Well Commercial Banks Do as an Organisation

Author : Hailemariam Mamo Adhana
Publisher : Independent Author
ISBN 13 : 9781805247661
Total Pages : 0 pages
Book Rating : 4.2/5 (476 download)

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Book Synopsis Total Quality Management Implementation and how Well Commercial Banks Do as an Organisation by : Hailemariam Mamo Adhana

Download or read book Total Quality Management Implementation and how Well Commercial Banks Do as an Organisation written by Hailemariam Mamo Adhana and published by Independent Author. This book was released on 2023-03-13 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: TQM has become a competitive strategy for organizations and has been widely implemented throughout the world. Over the previous three decades, there has been a dramatic growth globally in the implementation of total quality management (TQM) in many organizations with the aim of improving the quality of their products and services, and meeting customers' needs. Although the literature in the field relates the success of many organizations in the implementation of TQM, it also refers to the fact that there have been some failures or shortcomings and barriers to the implementation of TQM. These failures or barriers to adoption and implementation are due to lack of top management commitment or weak understanding of total quality management, and encompass organizational cultural factors. A firm's performance is a function of how well managers use quality management practices to improve the quality of products and services. In today's global environment, organizations are constantly looking for ways to expand and improve their businesses in terms of quality to enhance performance. Quality management practices have been used by banking firms in Ethiopia to improve on performance. However, customers are still complaining that the quality of service products has been compromised. The purpose of this study was to establish the effect of total quality management practices on organizational performance of commercial banks in Ethiopia. The specific objectives of the study were: to identify the extent that the commercial banks in Ethiopia have adopted TQM principles; to explore the TQM elements that are significantly associated with the Organizational Performance (OP) in the Ethiopian Commercial Banks; and to investigate the effect of each TQM elements on the organizational performance of the commercial banks. The study used both descriptive and explanatory research design. The target population comprised all 17 commercial banks and a sample size of 330 branch manager respondents from Addis Ababa, Adama and Hawassa cities. The study adopted simple random proportional sampling technique. The study used primary data which was collected using self-administered questionnaires. Validity of the instruments was ensured through face, and content validity and reliability was tested using Cronbach's Alpha with a coefficient of 0.7, which was considered acceptable. Data was analyzed using descriptive and inferential statistics. Descriptive statistics was used to summarize data while inferential statistics, specifically Multiple Linear Regression, was used to test the hypotheses. The analysis used SPSS version 22 to aid in data analysis. The results were presented using tables and figures. Out of variety of TQM factors affecting OP, five were identified and selected through pilot results for TQM implementation in the Ethiopian banks. These factors were ranked as: top management commitment, education and training, customer focus, employees' involvement, and people management according to their level of significance of effect over the organizational performance on the basis of the analysis made. The study recommended that the management should be committed to quality by providing strategic direction with respect to quality management practices, which should be aligned to the firms' objectives. Policy makers should create a quality framework that is geared towards improving performance and ensure it is adhered to by all stakeholders in the commercial firms in Ethiopia. Finally, the study recommends that similar research be done in other sectors like manufacturing industries.

Finance and Economic Development

Author : Asl? Demirgüç-Kunt
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 55 pages
Book Rating : 4./5 ( download)

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Book Synopsis Finance and Economic Development by : Asl? Demirgüç-Kunt

Download or read book Finance and Economic Development written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 2006 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: " The empirical literature on finance and development suggests that countries with better developed financial systems experience faster economic growth. Financial development-as captured by size, depth, efficiency, and reach of financial systems-varies sharply around the world, with large differences among countries at similar levels of income. This paper argues that governments play an important role in building effective financial systems and discusses different policy options to make finance work for development."--World Bank web site.

Liquidity and Transparency in Bank Risk Management

Author : Mr.Lev Ratnovski
Publisher : International Monetary Fund
ISBN 13 : 1475536151
Total Pages : 41 pages
Book Rating : 4.4/5 (755 download)

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Book Synopsis Liquidity and Transparency in Bank Risk Management by : Mr.Lev Ratnovski

Download or read book Liquidity and Transparency in Bank Risk Management written by Mr.Lev Ratnovski and published by International Monetary Fund. This book was released on 2013-01-18 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks may be unable to refinance short-term liabilities in case of solvency concerns. To manage this risk, banks can accumulate a buffer of liquid assets, or strengthen transparency to communicate solvency. While a liquidity buffer provides complete insurance against small shocks, transparency covers also large shocks but imperfectly. Due to leverage, an unregulated bank may choose insufficient liquidity buffers and transparency. The regulatory response is constained: while liquidity buffers can be imposed, transparency is not verifiable. Moreover, liquidity requirements can compromise banks' transparency choices, and increase refinancing risk. To be effective, liquidity requirements should be complemented by measures that increase bank incentives to adopt transparency.