Regional Bank Establishment and Deposit Mobilization in Ethiopia

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Addis Ababa University


The objective of the study was to assess Regional Bank Establishment and Deposit Mobilization in Ethiopia. More specifically, to find out the role of government policy on deposit mobilization in Ethiopian banking industry, to identify the effects of political instability, and ethnic based bank establishment on deposit mobilization in Ethiopian banking industry. Descriptive research design was employed. The sample size of this study was 370. This study used a statistical analysis program called Statistical Package for the Social Sciences (SPSS – Version 23). This study found that the government policy and financial system of Ethiopia is not facilitating deposit mobilization in the private bank of the country. Establishing, and naming of private banks in Ethiopia with the name of a specific ethnic group, the result showed that these kinds of trend have adverse consequences. This study recommended that when private banks are established, they should consider non ethnic based establishment to mobilize deposits as much as possible.


A thesis submitted to the Graduate program of Management and the College of Business and Economics of Addis Ababa University In partial fulfillment of the requirements for the Degree Master of Science in Management


Bank Establishment, Deposit Mobilization, Ethnicity Based Banks, Regional Banks