Addisu Anagaw

THE EFFECT OF BANK REGULATION ON
PROFITABILITY OF PRIVATE COMMERCIAL BANKS IN
ETHIOPIA
BY
ADDISU ANAGAW
Addis Ababa University
College of Business and Economics
Department of Accounting and Finance
January, 2017 Addis
Ababa, Ethiopia
THE EFFECT OF BANK REGULATION ON
PROFITABILITY OF PRIVATE COMMERCIAL BANKS IN
ETHIOPIA
A THESIS SUBMITTED TO ADDIS ABABA UNIVERSITY COLLEGE OF BUSINESS
AND ECONOMICS DEPARTMENT OF ACCOUNTING AND FINANCE IN PARTIAL
FULFILLMENT OF THE REQUIREMENTS FOR DEGREE OF MASTERS OF
SCIENCE IN ACCOUNTING AND FINANCE.
BY
ADDISU ANAGAW
January, 2017 Addis Ababa,
Ethiopia
Page | 2
Declaration
I, AddisuAnagaw, hereby declare that the thesis work entitled “The effect of bank regulation on
profitability of private commercial banks in Ethiopia” submitted by me for the award of the
degree of Masters of Science in Accounting and Finance of Addis Ababa University at Addis,
Ethiopia, is my original work and it has never been presented in any university. All sources and
materials used for this thesis have been duly acknowledged.
Advisor’s
Name NameAbebawKassie (PhD)
AddisuAnagaw
Signature: Signatur
e:
Page | i
Certification
Addis Ababa University
School of graduate studies
This is to certify that the thesis prepared by Addisu Anagaw entitles: The effect of bank
regulation on profitability of private commercial banks in Ethiopia and submitted in
partial fulfillment of the requirements for the degree of masters of Science in accounting and
finance compiles with the regulations of the university and meets the accepted standards with
respect to originality and quality.
Approved by
Internal Examiner: Habtamu Berhanu(PhD) Signature Date

External Examiner: Mengistu Bogale(PhD) Signature Date
Advisor: Abebaw Kassie (PhD) Signature Date
Chair of Department or Graduate Program Coordinator

Acknowledgment
My deepest and heartfelt thank goes to the Almighty God and his mother St. Marry, who
followme in all aspect of my life.
First, I would like to express my deepest gratitude to my advisor, AbebawKassie (PhD), for
his
support, encouragement, invaluable comments, advice and guidance at various stages of my
study. Thank you very much!!!
I would also like toextend my deepest gratitude for my buddy Daniel Sisay for his
immeasurable assistance throughout my study.
Page | 2
Table of Contents
Declaration................................................................................................................................i
Certification.............................................................................................................................ii
Acknowledgment....................................................................................................................iii
Table of contents.....................................................................................................................iv
List of Acronyms....................................................................................................................vi
List of Tables........................................................................................................................viii
List of Figures.........................................................................................................................ix
Abstract....................................................................................................................................x
CHAPTER ONE: INTRODUCTION....................................................................................1
1.1 Background of the study..................................................................................................1
1.2 Statement of the problem................................................................................................4
1.3 Objective of the study......................................................................................................6
1.3.1 General Objective......................................................................................................6
1.3.2 Specific Objectives....................................................................................................6
1.4 Research Questions..........................................................................................................6
1.5 Significant of the study....................................................................................................7
1.6 Scope and Limitation of the Study................................................................................ 7
1.7 Organization of the study................................................................................................8
CHAPTER TWO : LITERATURE REVIEW.....................................................................9
2.1 Theoretical Literature.....................................................................................................9
2.1.1 Overall Regulation....................................................................................................9
2.1.2 Bank Regulation......................................................................................................10
2.1.3 Why Banks are regulated.......................................................................................10
2.1.4 The financial regulations........................................................................................14
2.1.5 The impact of regulatory measures.......................................................................15
2.1.6 The Risk of Bank Runs and Of Moral Hazard in Banking and Their Effects on
the
Economy.............................................................................................................................16
2.1.7 Supervisory policies and performance.....................................................................19
2.1.8Theoretical and policy debates.....................................................................................20
2.1.9Supervision.....................................................................................................................22
Page | iv
2.2Empirical Literature
Page |

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THE EFFECT OF BANK REGULATION ON

PROFITABILITY OF PRIVATE COMMERCIAL BANKS IN

Addis Ababa University

College of Business and Economics

Department of Accounting and Finance

January, 2017 Addis

PROFITABILITY OF PRIVATE COMMERCIAL BANKS IN

A THESIS SUBMITTED TO ADDIS ABABA UNIVERSITY COLLEGE OF BUSINESS

AND ECONOMICS DEPARTMENT OF ACCOUNTING AND FINANCE IN PARTIAL

FULFILLMENT OF THE REQUIREMENTS FOR DEGREE OF MASTERS OF

SCIENCE IN ACCOUNTING AND FINANCE.

January, 2017 Addis Ababa,

Addis Ababa University

School of graduate studies

Internal Examiner: Habtamu Berhanu(PhD) Signature Date

Chair of Department or Graduate Program Coordinator

immeasurable assistance throughout my study.

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