The Ethiopian Financial Sector Reform

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ADDIS ABABA UNIVERSITY SCHOOL OF GRADUATE STUDIES

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 encouragement and support, this paper would have not been completed timely.

I am also indebted to my family and friends for their enduring moral support to finalize this task. Thanks must also be extended to staff of National Bank of Ethiopia, public and private banks and Ministry of Finance and Economic Development, who provided data and information which I used in this thesis.

Finally I would like to express my deep thanks to Addis Ababa University for the financial support and for all facilitation in the course of my graduate studies there.

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Table of Contents
Titles Pages

Acknowledgement .................................................................................................................... i Table of Contents ..................................................................................................................... ii List of Tables ............................................................................................................................ v Acronyms .................................................................................................................................. vii Abstract ..................................................................................................................................... x 1 Introduction ........................................................................................................................... 1 1.1 Background ......................................................................................................................... 1 1.2 Statement of the Problem ..................................................................................................... 5 1.3 Objective of the Study.......................................................................................................... 6 1.4 Research Hypothesis ............................................................................................................ 7 1.5 Data Source and Methodology ............................................................................................. 7 1.6 Scope and Limitation ........................................................................................................... 9 1.7 Organization of the Paper..................................................................................................... 10 2 Literature Review.................................................................................................................. 11 2.1 Theoretical Literature ........................................................................................................... 11 iii

2.2 Empirical Literature ............................................................................................................. 16 3 Data Analyses ........................................................................................................................ 36 3.1 Why Focus on Banking? ...................................................................................................... 36 3.2 Descriptive and Qualitative Analyses .................................................................................. 38 3.2.1 Profitability Measures...
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