Browsing by Author "Yabebal Gete"

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    Branch Banking Expansion: Opportunities and Challenges (The Case of Dashen Bank S.C)
    (A.A.U, 2022-11-06) Yabebal Gete; Jemal Abagissa (PhD)
    Opportunities and challenges of branch expansion practice expected benefits with an outlay of costs; the Dashen needs to manage it carefully as it was detrimental effect on its entire performance and profitability eventually. The types of data used were both primary and secondary as the research design employed was mixed-method (Qualitative and quantitative) approach. A questionnaire derived from prior studies and relevant literatures is completed by the target employees of Dashen bank. A total of 95 questionnaires were distributed to Dashen bank head office and Addis Ababa district area employees holding managerial & higher positions, of this is considered in the unit of analysis of this study. Descriptive methods were used to analyze the effect, relationship and significant level of selected opportunities (economic factors, government policy and leadership) and challenge factors (cost, location & competition) with the Dashen bank‘s branch expansion. The variables were banking branch expansion dependent variable and opportunities economic, government policy and leadership and challenging factors cost, location and competition are independent variables and confirms reliable fulfilling the minimum 70% requirement of Cronbach‘s alpha value. Analysis of this study, respondents agreed with the three opportunity factors (Economic, government and leadership) are positive impact on branch banking expansion of the Dashen bank However based on their level of rating, leadership role took the high-side followed by economic factors & government policies. Similarly, respondents had agreed that all the three challenging factors (economic, location and competition) have initially negative effects on expanding of the Dashen bank branches, with the leading factor as location followed by cost of expansions. It is highly recommended to pursue the momentum of committed management and strong strategic planning mechanisms for an effective branching of the Dashen Bank and to reduce the location problem the bank use preliminary study about the area and as much as possible the bank minimize branch costs.