Assessment Of Banks Performance During Covid-19: The Case Of Dashen Bank S.C.
| dc.contributor.advisor | Bogale, Mengistu (PhD) | |
| dc.contributor.author | Endalamaw, Ephrem | |
| dc.date.accessioned | 2022-02-15T06:24:56Z | |
| dc.date.accessioned | 2023-11-04T13:49:21Z | |
| dc.date.available | 2022-02-15T06:24:56Z | |
| dc.date.available | 2023-11-04T13:49:21Z | |
| dc.date.issued | 2021-07 | |
| dc.description.abstract | The objective of the study was to assess the effect of COVID-19 pandemic on the profitability and performance of the banking business in the case of Dasher Bank S.C. To evaluate the effect of the pandemic it is important to measure the performance of the bank both before and during the pandemic. The most commonly used measures and employed in this study are Return on Equity (ROE), Return on Assets (ROA), Net Interest Margin (NIM) and Nonperforming Loan (NPL). These ratio metrics are used to measure Dashen Bank’s performance over the past thirteens quarters Dashen bank fiscal years. Furthermore, the study also examined other profitability indicators like, interest income to total income and non-interest income to total income margins along with loans and deposits. . The study employed descriptive research design and mixed research approach using mainly secondary data obtained from the bank's financial statements and conducted unstructured key informant interview. In order to analyse the effects of the pandemic on the bank's performance, the research employed ratio comparative analysis technique using graphical and tabular presentation. The findings of the study have shown that there is no significant effect of COVID-19 seen in the profitability and performance of Dasher Bank. The ratios that measure the variables indicated that despite the outbreak, the bank's performance did not show a significant difference as compared with the preceding periods before the outbreak. The trends in these ratio metrics over the years exhibited a pattern that is consistent with insignificant variations. Moreover, the response from the key informant interview indicated that although there was a sign of slowing down in both deposits and loans at the beginning of the outbreak, the overall performance and profitability of the bank is not significantly affected by the pandemic. Thus, the study concluded that the effect of COVID-19 on the profitability and performance of Dashen Bank S.C is insignificant so far. Moreover, the researcher suggests that, even though this research didn't find a major effect of the pandemic on the bank's performance other studies in the future may come up with different results, because the pandemic is still on-going and may change its behaviour | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/30070 | |
| dc.language.iso | en_US | en_US |
| dc.publisher | Addis Ababa University | en_US |
| dc.subject | Covid-19, Bank performance | en_US |
| dc.subject | profitability | en_US |
| dc.subject | return on assets | en_US |
| dc.title | Assessment Of Banks Performance During Covid-19: The Case Of Dashen Bank S.C. | en_US |
| dc.type | Thesis | en_US |