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首页> 外文期刊>Research Journal of Finance and Accounting >Assessment of Branch Performance in Commercial Bank of Ethiopia: The Case of Gida Ayana Branch
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Assessment of Branch Performance in Commercial Bank of Ethiopia: The Case of Gida Ayana Branch

机译：埃塞俄比亚商业银行分行绩效评估：以吉达阿亚纳分行为例

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The study tries to asses branch performance in commercial bank of Ethiopia by mixed research method using documentary analysis for the period of 2009/10 to 2014/15 fiscal year and collecting primary data from operational staff operating of Gida Ayana branch. The result of documentary analysis shows that the performance of the branch is high in deposit mobilization relative to loan disbursement. The performance analysis of the branch shows that the ratio of liquid asset to total asset is 4.3 percent. The loan to deposit ratio of the branch is less than one percent. The return on asset shows a declining trend indicating the branch is better in the financial soundness on the bank risk bearing capacity and in the ability to perform liquidity transformation. The amount of non-performing loans analysis shows a declining trend indicating the branch is efficient in the performance of nonperforming loan collection. The study from the survey result shows that internal management system, external business environment and bank rules and regulation affect the performance of branch. The employee knowledge about bank management system, information sharing system, training, electric power interruption, electronic payment system are also among other factors that affect branch performance. The correlation between rapid expansion of electronic payment system and owing of sound knowledge about bank management and that of internal organizational management factors and regularly informing on new systems affects positively branch performance at statistical significance p < 0.01. Correlation of rapid expansion of electronic payment system with internal organizational management factors and with regularly informing on new systems, and internal organizational management factors and possession of sound knowledge about bank management shows positively affect branch performance at statistical significance p < 0.05. Managements and decision makers has to make any adjustment in the areas of loan disbursement, in the development of uniform information sharing mechanism and provision of refreshment training in the areas of customer management.
机译：该研究试图通过混合研究方法，使用文献分析方法对2009/10至2014/15财年期间的埃塞俄比亚商业银行分行绩效进行评估，并从Gida Ayana分行的运营人员那里收集主要数据。文献分析的结果表明，该分支机构的存款动员能力相对于贷款支付而言高。该分行的绩效分析表明，流动资产占总资产的比率为4.3％。该分行的贷存比不到百分之一。资产收益率呈下降趋势，表明该分支机构在银行风险承受能力和进行流动性转换的能力方面的财务状况较好。不良贷款数量分析显示下降趋势，表明该分支机构在不良贷款清收方面表现良好。调查结果表明，内部管理体系，外部经营环境和银行规章制度影响着分行的绩效。员工对银行管理系统，信息共享系统，培训，电力中断，电子支付系统的了解也是影响分支机构绩效的其他因素。电子支付系统的快速扩展以及对银行管理和内部组织管理因素的良好了解以及定期通知新系统之间的相关性，对分行绩效产生了积极影响，其统计显着性为p <0.01。电子支付系统的快速扩展与内部组织管理因素以及定期通知新系统，内部组织管理因素以及对银行管理的全面了解的相关性，对分行绩效产生了积极影响，具有统计学意义p <0.05。管理层和决策者必须在贷款发放领域，开发统一的信息共享机制以及在客户管理领域提供更新培训方面进行任何调整。

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