政治不稳定对银行业绩的影响:(埃塞俄比亚银行业的证据)

Alemu Ademe
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引用次数: 0

摘要

银行业的稳健性非常重要,因为它们在经济增长中发挥着举足轻重的作用。本文试图通过埃塞俄比亚银行的证据来研究政治不稳定对金融机构绩效的影响。由于埃塞俄比亚国家银行(NBE)和财政与经济发展部(MoFED)提供了 2013 年至 2021 年期间经审计的面板数据,因此本研究采用了 26 家银行中的 16 家。研究采用了面板回归模型。研究采用了两种常见的绩效衡量方法,即投资回报率或投资收益率作为因变量。此外,还使用了八个自变量。研究进行了描述性分析和多元线性回归分析。结果表明,政治暴力和种族冲突以及通货膨胀对投资回报率和投资收益率有显著的负面影响,但不良贷款对投资回报率有显著的负面影响,对投资收益率有显著的正面影响,而存款额、运营效率、金融风险和国内生产总值对投资回报率和投资收益率有正面的显著影响。研究结果还显示,流动性对 ROA 和 ROE 的影响为正且不明显。政治不稳定是该国银行业可持续发展的一个严重问题。因此,本研究为政府、监管机构和有关各方提供了提高埃塞俄比亚银行业绩效的有益启示。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
IMPACTS OF POLITICAL INSTABILITY ON BANK PERFORMANCE: (EVIDENCE FROM ETHIOPIAN BANKING SECTOR)
The soundness of the banking sector is very important because they play a pivotal role in economic growth. This article sought to investigate the Impacts of political instability on financial institution performance evidence from Ethiopian banks. The study employed 16 out of 26 banks due to the availability of audited panel data from the National Bank of Ethiopia (NBE) and the ministry of finance and economic development (MoFED), for the period ranging from 2013 to 2021. For the study, the panel regression model was employed. The study used two common measures of performance, proxied by either ROA or ROE as the dependent variables. Eight independent variables are also used. The descriptive and multiple linear regression analyses were done. The results documented that political violence & ethnic conflicts, and inflation have a significant negative effect on ROA and ROE, but non- performing loans have a significant and negative effect on ROA and a significant and positive effect on ROE, while deposit volume, operational efficiency, financial risk, and GDP have a positive and significant effect on ROA and ROE. The finding also reveals liquidity has a positive and insignificant effect on ROA and ROE. Political instability is a serious problem for the sustainable development of the country's banking sector. Thus, the study gives worthy acumens for the Government, regulators, and interested parties for enhancing the performance of the banking sector in Ethiopia.
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