دانلود رایگان مقاله انگلیسی عوامل موثر بر عملکرد بانک های تجاری داخلی و محلی در اوگاندا به همراه ترجمه فارسی
| عنوان فارسی مقاله: | عوامل موثر بر عملکرد بانک های تجاری در اوگاندا، یک مطالعه موردی برای بانک های تجاری داخلی |
| عنوان انگلیسی مقاله: | Factors Affecting Performance of Commercial Banks in Uganda A Case for Domestic Commercial Banks |
| رشته های مرتبط: | مدیریت، بانکداری |
| فرمت مقالات رایگان | مقالات انگلیسی و ترجمه های فارسی رایگان با فرمت PDF میباشند |
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| توضیحات | ترجمه صفحات پایانی موجود نیست |
| مجله | مجموعه مقالات کنفرانس بین المللی تحقیقات کسب و کار |
| کد محصول | F107 |
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بخشی از ترجمه فارسی: این مطالعه به دنبال تثبیت عوامل اصلی موثر بر عملکرد بانک های تجاری داخلی در اوگاندا می پردازد. عوامل از حیث عملکرد ساختاری-رفتاری و فرضیه های کارایی تجزیه تحلیل می شوند. این خود مکمل نظریه مزیت جهانی همراه با تئوری زمینه خانه می باشد. |
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بخشی از مقاله انگلیسی: The study seeks to establish the underlying factors responsible for performance of domestic commercial banks in Uganda. The factors are analyzed in the light of structure – conduct performance (SCP) and Efficiency hypothesizes (ES). This is supplemented by Global advantage theory together with Home field theory. The study analyses performance of all licensed domestic and foreign commercial banks independently on average basis. Using Linear multiple regression analysis over the perio d 2000 – 2011, the study found that , management efficiency; asset quality; interest income; capital adequacy and inflation are factor s affecting the performance of domestic commercial banks in Uganda over the period 2000 – 2011. Policy implications emerged for commercial banks ’ management includes ; efficient management; credit risk management; capital adequacy levels; diversifi cation and commercial bank investment . In addition, monetary policy regulations and instruments should not enforce high liquidity and capital adequacy levels. Regulations on non – interest income activities should be put in place to harmonize the impact of d iversification on all commercial banks’ performance and to avoid exploitation of bank customers. Key words: Bank performance; Internal and External factors; financial ratios; Uganda 1.0 Introduction 1.1 Background During the past two decades 1990 – 1999 and 2000 – 2009, Uganda commercial banking industry underwent significant restructuring. In the early 1990s, Uganda embarked on banking sector reforms, focusing on improving bank performance, through liberalization and strengthening prudential regulations, (Bate geka and Okumu, 2010). The reforms rest ructured the banking industry with regard to advances in computer technology, that led to electronic and internet based banking. Consequently, there are changes in internal bank operations; relationships with customer s and inter – bank interactions. These improvements caused repercussions on the costs and revenue of commercial banks and ultimately performance differences between domestic and foreign commercial banks. The consequences , among others, included the closure o f several com mercial banks in Uganda (Appendix A1). The results of banking sector reforms suggest mixed outcomes. Whereas there was impressive improvement for the banking system as a whole, the performance of foreign commercial banks remained quite steady and even improved while domestic commercial banks suffered massive decline in their profitability and they also accumulated more non – perf orming loans (Mpuga, 2002). The decline became a source of anxiety as domestic commercial banks are performing relative ly poor ly compared to foreign commercial banks . There was a need to reveal the causes these differences among commercial banks in Uganda. 1.2 Statement of the Problem There is a declining trend of average profits for domestic commercial banks, whil e thei r foreign liabilities are increasing, compared to foreign commercial banks, (Bank of Uganda, 2011). However, over the period 2000 – 2011, the average interest expenses to equity is 0.154 for foreign commercial banks while domestic commercial bank had a lower ratio of 0.145. During the period 2000 – 2011, operating expenses to total assets for domestic commercial banks is greater 0.114 compared to 0.068 for foreign commercial banks. In the same period 2000 to 2011, the Net Interest Margin to total assets is 0.1131 for domestic commercial banks while foreign commercial banks had 0.0487. T he average Return on Equity (ROE) indicates that domestic commercial banks had 24.7% compared to 28.5% for foreign commercial banks. This suggests that foreign commercial banks perform better than domestic commercial banks in Uganda. By the end of 2011, domestic commercial banks had only 17.5% of the market share which is extremely low, when compared to 82.5% for foreign commercial banks in Uganda . Consequently, the relativ ely poor performance of domestic commercial banks in Uganda needed to be investigated. 1.3 Objective of the study Specifically, the study intends to establish the impact of key internal factors that affect the performance of dom estic commercial bank s in U ganda so that remedial action can be taken for better performance. 1.4 Research Hypotheses In order to establish why domestic commercial banks perform relatively poor ly compared to foreign commercial banks and what fundamental key internal factors are responsible for such poor performance . This study is based on the following key research hypothesi s : Key Hypothesis: H1 1 H o : There is no significant impact of internal factors on the performance of domestic c ommercial banks in Uganda. 1.5 Significance of the Study The investigation to establish the underlying factors responsible for domestic commercial banks‟ performance in Uganda is paramount, given the recent reforms of the commerci al banking sector. The study provides insight for bank owners and policy makers, on factors that determine bank performance and efficient utilization of resources, for sustainable competitiveness. Thus this study contributes to more understanding of the fa ctors that have an impact on commercial bank performance in Uganda. Commercial banks in Uganda have to review the way they h ave been conducting business. Understanding factors that have great impact on bank performance is essential for survival and also u seful in sustaining profitability in the dynamic and competitive business. |