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首页> 外文期刊>African Journal of Business Management >Determinant of financial performance of commercial banks in Ethiopia: Special emphasis on private commercial banks
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Determinant of financial performance of commercial banks in Ethiopia: Special emphasis on private commercial banks

机译：埃塞俄比亚商业银行财务业绩的决定因素：特别重视私人商业银行

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This study aims at examining the determinants of the financial performance of private commercial banks in Ethiopia. The study uses secondary data for eight private banks which are in the industry for more than ten years. These banks are chosen from sixteen private commercial banks which are currently functional in Ethiopia banking industry. The data for this study is obtained from annual reports of the banks, minutes and the national bank report. Correlation and multiple linear regressions of panel data for the eight banks for the years 2007 to 2016 is analyzed using random effect model. E-Views 9 software was used for analyzing the data. Return on Asset and Return on Equity are the selected dependent variables while non-performing loan, capital adequacy ratio, bank size, leverage ratio, credit interest income ratio, loan loss provision ratio and operation cost efficiency were the independent variables. Results show that Capital Adequacy Ratio (CAR), Credit Interest Income (CIR) and Size of the bank (SIZE) have positive and statistically significant effect on financial performance. Non-performing Loans (NPLs), Loan Loss Provision (LLP), Leverage Ratio (LR) and Operational Cost Efficiency (OCE) have negative and statistically significant effect on banks’ financial performance. The study suggests that Ethiopian commercial banks are advised to manage their loan loss, be cost efficient, and fix their leverage ratio at maximum level to enhance their profitability.
机译：这项研究旨在研究决定埃塞俄比亚私人商业银行财务业绩的决定因素。这项研究使用了八家私营银行的二级数据，这些私营银行业已经从事了十多年。这些银行选自目前在埃塞俄比亚银行业中运作的16家私营商业银行。这项研究的数据来自银行的年度报告，会议记录和国家银行的报告。使用随机效应模型分析了8家银行2007年至2016年面板数据的相关性和多元线性回归。使用E-Views 9软件分析数据。资产收益率和权益收益率是选择的因变量，而不良贷款，资本充足率，银行规模，杠杆率，信贷利息收入率，贷款损失准备金率和运营成本效率是自变量。结果表明，资本充足率（CAR），贷方利息收入（CIR）和银行规模（SIZE）对财务绩效具有积极的和统计学显着的影响。不良贷款（NPLs），贷款损失准备金（LLP），杠杆率（LR）和运营成本效率（OCE）对银行的财务绩效产生负面影响，并具有统计学意义。研究建议，埃塞俄比亚商业银行应管理其贷款损失，具有成本效益，并将其杠杆比率固定在最大水平，以提高其盈利能力。

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