June 10, 2025 Thesis Open Access

Lamesgen; Amare

DCAT Export

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        <foaf:name>Lamesgen</foaf:name>
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        <foaf:name>Amare</foaf:name>
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    <dct:title>FINANCIAL PERFORMANCE OF EVALUATION: CASE OF SELECTED COMMERCIAL BANKS IN ETHIOPIA USING CAMEL APPROACH</dct:title>
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    <dcat:keyword>CAMEL, Financial Performance</dcat:keyword>
    <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-06-10</dct:issued>
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    <dct:description>&lt;p&gt;This study evaluation of financial performance of ten selected commercial banks in Ethiopia from 2018 to 2024. The stud used the CAMEL approach, adding market share in loans and deposits, as well as net cash flow, as new factors. It adopted a quantitative approach, with ROA as the main dependent variable. The independent variable included CAMEL factors, market share in loans and deposits, and net cash flow. The analysis used panel data with a random effects regression method. Banks with stronger capital, like the Bank of Abyssinia, were more stable and safer. Some government-owned banks, even though they met the rules for capital, took on more risks. The asset quality and how well banks managed risks varied. Dashen Bank carried higher credit risks, while HB kept healthier loan portfolios. Abay Bank had higher non interest expenses, while Dashen Bank ran more efficiently. The profitability scores showed that HB and CBO performed the best. Meanwhile, Commercial Bank of Ethiopia and WB ranked lower in performance. The statistical analysis confirmed that the regression model was valid. It showed that better asset quality and a larger loan market share positive influence on return on asset. On the other hand, management efficiency and net interest margins tend to reduce ROA. Liquidity also has a positive effect on ROA. However, capital adequacy and deposit market share do not seem to have a significant impact. Several factors help explain ROA clearly. These include asset quality, how well management runs the bank, the size of the loan market share, net cash flow, net interest margins, and the proportion of liquid assets to total deposits. The study found that banks with higher net cash flow tend to have lower ROA, which suggests that cautious banking practices might limit profits.&lt;/p&gt;</dct:description>
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