International Journal of Marketing & Financial Management

International Journal of Marketing & Financial Management

Print ISSN : 2349 –2546

Online ISSN : 2348 –3954

Frequency : Monthly

Current Issue : Volume 5 , Issue 7
2017

CHALLENGES IN E- BANKING SERVICES AND ITS IMPACT ON PROFITABILITY OF PUBLIC SECTOR BANK IN ETHIOPIA

*Dr. UVANESWARAN. S.M, **Ms . ELDANA CHERA KASSA, **Mr. SEID MUHAMMED HAMID

*Professor, Department of Accounting & Finance, College of Business and Economics, Wollo University, Dessie,  Amhara region, Ethiopia,    **Lecturer, Department of Accounting & Finance, College of Business and Economics,  Wollo University, Dessie, Amhara region, Ethiopia,     ***Head of the Department (HOD), Department of Accounting & Finance, College of Business and Economics, Wollo University, Dessie,  Amhara region, Ethiopia. 

DOI : Page No : 36-46

Published Online : 2017-07-30

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ABSTRACT

 

E-banking is the most recent delivery channel of banking services in developing nations. The objectives of the paper is tried to address the challenges in E-banking Services and its impact on the profitability of the Public Sector Bank in Ethiopia particularly Commercial Bank of Ethiopia (CBE)  before and after introduction of e-banking services . To meet this objective, a stratified-random sampling design was used. Data were collected both from primary and secondary sources. The primary data were collected from e-banking customers of the seven Dessie town branches and the  secondary data were collected from the banks financial statement and analyzed to see the relationship between e-banking service and profitability of CBE. Finally, presentation and appraisal was illustrated in simple descriptive statistics, relative ranking score and t test. This paper highlights that the e-banking services has any impact on the profitability of CBE in terms of three financial performance indicators of ROA, ROE and, NIM.

 

JEL classification system: G21, G41, M31.

Keywords: e-banking, customers, profitability, challenges, Financial Indicators.

International Journal of Marketing & Financial Management