The Effect of Electronic Banking on the Profitability of Commercial Banks in Ethiopia

Tesfaw  Altaseb

dc.contributor.author	Tesfaw Altaseb
dc.date.accessioned	2020-09-23T06:34:33Z
dc.date.available	2020-09-23T06:34:33Z
dc.date.issued	2020-09-23
dc.identifier.uri	http://hdl.handle.net/123456789/11230
dc.description.abstract	Objectively the study examines the effect of e-banking on the profitability of commercial banks in Ethiopia. The study adopted a quantitative research approach with explanatory design. ROA and ROE was used to measure and explain the profitability of banks. The explanatory variables were ATM, POS, M-Banking and Debit card. And also control variable bank size and bank liquidity was adopted to investigate their effects on bank profit. Secondary data was collected in panel form for 10 purposively selected commercial banks from NBE and audited financial statements of commercial banks for 7 years (2013-2019). Multiple linear regression models were adopted to examine the relationship. Data was analyzed using descriptive statistics and inferential analysis using E-views 10 software. The finding reveals that number of ATM, number of POS and bank liquidity were the main contributors of bank profitability. These e-banking channels have positive and significant effect on both ROA and ROE. DC has negative effect on ROA and positive but insignificant effect on ROE. Mobile banking and bank size affect the profitability negatively. The study recommend that Banks should invest more on new e-banking channel for automating their banking system and it is imperative to devise strategies that involve alliances and collaborations between commercial banks.	en_US
dc.language.iso	en	en_US
dc.subject	ACCOUNTING AND FINANCE	en_US
dc.title	The Effect of Electronic Banking on the Profitability of Commercial Banks in Ethiopia	en_US
dc.type	Thesis	en_US