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A Comparative Financial Performance Analysis of Some Selected Private Commercial Banks of Ethiopia: A CAMEL Approach

机译:一些埃塞俄比亚选定私营商业银行的比较财务绩效分析:骆驼方法

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This study was aimed at measuring the financial performance of some selected private banks in Ethiopia. The financial performance of selected banks has been measured by using the five too important components of financial measures; those are capital adequacy, asset quality, management capacity, earning capacity and liquidity of banks. To this end necessary audited financial statements and related disclosures of selected private banks, which were prepared in line with international financial reporting standards for three consecutive years from 2017-2019 have been used. The collected secondary data have been analyzed by using a ratio analysis model. In line with comparison of selected private banks each other, the study revealed the following results. When Capital adequacy is used as a performance measure, comparatively Addis international bank is treated as capitally adequate and safe for creditors and depositors in repaying the loan what it is received. Abay bank, Dashen bank and Abyssinia bank jointly treated as relatively safe and capitally adequate next to Addis international bank. In terms of asset quality, awash international bank relatively treated better in managing credit followed by bank of Abyssinia and Addis international bank. When management efficiency is used as a performance measure of banks, Addis international bank is comparatively efficient in utilizing its assets to generate income a lot as compared to the remaining banks under study. In its earning quality, awash international bank has selected as the leader of the remaining banks. The study also concludes the performance of banks in terms of liquidity as one component of CAMEL, based on the analysis Abay bank outperforms the remaining banks.
机译:本研究旨在衡量埃塞俄比亚一些选定私人银行的财务表现。所选银行的财务表现已经通过使用五个过重要的财务措施成分来衡量;这些是资本充足,资产质量,管理能力,盈利能力和银行流动性。为此,必要的审计财务报表和相关私人银行的相关披露,这​​些私人银行是根据2017 - 2019年连续三年连续三年的国际财务报告标准编写的。通过使用比率分析模型分析了收集的次要数据。符合选定私人银行彼此的比较,该研究揭示了以下结果。当资本充足率被用作绩效措施时,相对亚地亚国际银行被视为民意的充足和安全的债权人和存款人,以偿还收到的贷款。 Abay Bank,Dashen Bank和Abysinia银行在亚的斯国际银行旁边共同治疗。在资产质量方面,AWASH国际银行在管理信贷方面相对较好地治疗,接着是Abysinia和Addis International Bank的银行。当管理效率被用作银行的绩效衡量标准时,亚的斯国际银行在利用其资产相比,与研究中的剩余银行相比,利用其资产产生了很多。在其收入质量中,Awash国际银行已被选为剩余银行的领导者。该研究还得出结论,基于分析银行占剩余银行的分析,在骆驼的一个成分中,该研究还得出了流动性的绩效。

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