EFFECTS OF THE ETHIOPIAN FINANCIAL SECTOR REFORM ON THE PERFORMANCE OF BANKS AND THE MARKET SHARE DYNAMICS
By Dawit Keno
A thesis submitted to the School of Graduate Studies of Addis Ababa University in partial fulfillment of the requirements for the degree of Masters of Science in Economics
OCTOBER, 2009
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Acknowledgement
The author of this thesis acknowledges the support and technical assistance from many sources. I am grateful to my thesis advisor, Professor Teshome Mulat, who has read the manuscript and provided valuable comments. My thanks also goes to Ato Kagnew Wolde, Ato Tegenu Hailu, Ato Atnafu G/Meskel and Staff of Commercial Bank of Ethiopia; without whose …show more content…
77 5.1 Conclusions .......................................................................................................................... 77 5.2 Recommendation.................................................................................................................. 81 Bibliography ............................................................................................................................. 83 Annexes ..................................................................................................................................... 86
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List of Tables
2.1: Relative importance of insurance, banking and microfinance institution ........................ 37 3.1: Gross profit to capital ratio of banks during the pre-reform period .................................. 40 3.2: Gross profit to capital ratio of banks during the post-reform period ................................ 40 3.3: Gross profit to asset ratio of banks during the pre-reform period ..................................... 41 3.4: Gross profit to asset ratio of banks during the post-reform period ................................... 41 3.5: Selected figures just before the reform—end of 1993/94 fiscal year (in 000’ Br) ........... 43 3.6: Selected figures at the end of 2007/08 fiscal year, in 000’ of Br ...................................... 44 3.7: Asset quality measures before the