Download or read book Risk Management at Strategic Level in Ethiopia Private Banks written by Samuel Assefa Gebremariam and published by . This book was released on 2018-10 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Enterprise Risk Management in Ethiopian Private Banks An Assessment written by Yetayew Alemu and published by GRIN Verlag. This book was released on 2020-12-14 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thesis (M.A.) from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3.33, Ethiopian Civil Service University, course: Financial Management, language: English, abstract: The aim of this research is to explore the practice of Enterprise Risk Management in Ethiopian Private Banks. Currently, there are 16 private commercial banks working in the country, some of which are celebrating their 20 years' anniversaries. To represent all the 16 private banks, the researcher grouped them in two categories. Wegagen Bank, United Bank and Bank of Abyssinia has been selected from the earliest established commercial banks and Abay Bank, Buna international Bank and Berhan Bank were selected from the lately established banks in simple random sampling method with a total number of 51 employees working risk management area from the selected 6 commercial banks. The data were collected through questionnaire and face to face interview. The questionnaires were distributed to all risk management department staff of each selected commercial banks. The interviews were made with NBE’s bank supervision department and directors as well as managers and directors of commercial banks. 51 questionnaires were distributed, properly filled and fully returned to the researcher. The finding of the research reveals that, the major challenge faced by commercial banks are weak ton at the top, absence of qualified staff, absence of advanced risk management technology and lower management attention and the recommendations were, Banks should have an enterprise risk management committee at management level, Banks should conduct workshops or panel discussion to identify enterprise level risks in each activity and Banks should have comprehensive risk register and database to run their business with smooth operations and absence of interruption.

Download or read book Credit Risk Management in the Development Bank of Ethiopia Effects on the Quality of Loan Portfolio written by Kebede Adane and published by GRIN Verlag. This book was released on 2020-11-18 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , course: Business Adminstration, language: English, abstract: The main objective of the thesis is to assess the effect of credit risk management on the quality of loans portfolio in the case of Development Bank of Ethiopia. A sample of 84 respondents was drawn from the employees of the Development Bank of Ethiopia by using purposive sampling technique. Both primary and secondary data were used. Data related to loan portfolio and loan position is obtained from the bank whereas, primary data are collected using structured questioners from the employees of the bank. Descriptive and inferential statistics were used to conduct the research and Multiple Regression Analysis was run using SPSS Version 21.0 to analyze the data. With regard to credit risk management practices, the result show that DBE has not satisfactory risk Management practice. Precisely, using score 1 (poor) to 5 (best), all the parameters of risk management practice assessment have a score value below 3.40, i.e. Credit Risk Granting and Portfolio Quality Control (3.40), Credit Risk System and Standard (3.20), Credit Risk and Portfolio Quality Control (3.17), Risk Identification, Measurement and Control (3.03), and Risk Environment (2.98). The Bank`s loan portfolio is also more vulnerable to various types of risks, such as to unpredictable risk, predictable, and controllable risks. The bank’s NPL ratio was above 15% for the last five years. The regression result also showed that sound credit granting process and the existence of comprehensive risk management system and standards are the significant variables that affect loan portfolio quality of the Bank. Credit risk management practice of the bank has insignificant effect on loan portfolio quality. Both in terms of Non-performing loan and concentration, DBE has poor loan portfolio quality which is due to the bank’s poor credit risk management practice. Therefore, there is a need to improve and enhance credit risk management practice of the Bank, especially, by improving the credit granting process to have sound credit risk management, and by updating credit risk management system and standards so as to have strong credit management.

Download or read book Powering the Digital Economy Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Download or read book Climate Resilience in Development Planning Experiences in Colombia and Ethiopia written by OECD and published by OECD Publishing. This book was released on 2014-04-22 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report discusses the current state of knowledge on how to build climate resilience in developing countries.

Download or read book The Nexus Between Bank Specific Risk Management Practice and Financial Performance written by Biruk Bekele and published by . This book was released on 2016 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study aims to determine links and impacts of risk management practices of financial performance on commercial banks in Ethiopia. The sample banks included in this study consisted of eight commercial banks operating in Ethiopia. The study was used secondary data source and collected from audited financial statements reported by National Bank of Ethiopia and commercial banks from 2004-2013 fiscal periods to determine indicators of risk management practice. Then, the collected panel data was analyzed and described by basic statistical techniques such as descriptive analysis, trend analysis, Pearson correlation analysis and GLS fixed effect regression analysis was employed by using STATA version 12.0 Risk management practice surrogate by banks specific risk selected indicators on credit risk (non-performing loan ratio), operational risk (efficiency on assets utilization, bank size and cost ratio's ) , liquidity risk (liquidity ratio's) ,capital risk (capital adequacy ratio) and insolvency risk(total equity to total debt ratio) as explanatory variables while financial performance proxy by return on assets(ROA) used as dependent variables of the study. The findings of the study reveal that, credit and Liquidity, risk management practices have a negative and significant statistical impact on commercial banks' performance Similarly, capital and insolvency risk management practice have negative and insignificant impact on commercial banks' performance due to underinvestment or excessive holding of assets. Despite the fact that, operational risk management (efficiency and cost) practices have a positive and significant statistical impact on banks' performance which, means that these banks not suffered managing this type of risk during the study period. On the other hand, operational risk management proxy by bank asset size ratio has positive and insignificant impact on financial performance of commercial banks'. Therefore it is suggested that, prudent risks management practices are required for banks on (credit risk, liquidity, capital risk, insolvency and operational risk) in order to protect the interests of investors as well as to maintain regulated healthy financial system all over the economy of the country by enhancing public trust.

Download or read book Ethiopia s New Financial Sector and Its Regulation written by Tony Addison and published by . This book was released on 2001 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A business case for engaging the private sector in climate smart solutions for smallholder farmers written by Mutamba, M. and published by CTA. This book was released on 2018-09-26 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Large and growing numbers of poor rural households depend on climate-sensitive agriculture and operate on the margins of the mainstream economy. This combined with a broken public extension service and faltering international development efforts places millions of smallholder farmers at disproportionately high risk from a changing climate. Acknowledging the magnitude of the challenge and the required pace and scale of response, coupled with honest introspection on past performance, has prompted the need to look beyond the public sector for delivering climate-smart solutions. Harnessing the financial, technological and intellectual capital in the private sector to complement public sector-driven climate responses is a new dimension in delivery of sustainable climate-smart solutions at scale.

Download or read book Strategic Management of Risk by Multinational Banks in Sub Saharan Africa written by Kibs Boaz Muhanguzi and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In their search for profit maximization, multinational enterprises should adopt strategies that neutralize country risk effects. This paper seeks to establish whether country risk affects profitability of multinational banks in sub-Saharan Africa, and whether strategic decisions regarding 'where to go' for investment in terms of geographic diversification, and the 'source of capital' in terms of debt or equity financing, help mitigate country risk effects. Using panel data (2006-2020) of multinational banks in sub-Saharan Africa, and a two-step Systems Generalized Method of Moments (S-GMM) estimation technique, results find both short run and long run negative effect of country risk on profitability. Augmenting country risk with the two corporate strategy constructs, results show: first, a positive long run hedging effect of geographic diversification on country risk implying that increased geographic diversification strategy maximizes the bank's long run profits irrespective of the level of country risk confronted. Second, on the source of funds strategy, augmenting country risk with equity financing raises profitability of banks than debt financing. This is so probably because equity finances hedge banks from risks from nationalization and expropriation. For multinational banks to guard from country risk, their geographic expansion should be financed using equity funds than debt.

Download or read book Strategic analysis and intervention plan for live animals and red meat in the Agro Commodities Procurement Zone of the pilot Integrated Agro Industrial Park in Central Eastern Oromia Ethiopia written by Food and Agriculture Organization of the United Nations and published by Food & Agriculture Org.. This book was released on 2019-04-16 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the current Second Growth and Transformation Plan (2015-2020), the Government of Ethiopia expects the agro-industrial sector to play key role in economic growth of the Country. Accordingly, the creation of Integrated Agro-Industrial Parks has been identified as one of the key mechanisms for accelerating the development of the sector and the structural transformation of agriculture. Agro-industrial parks will play a significant role in transitioning Ethiopia from an agricultural-led into an industrial-led economy. In view of that, the development of Integrated Agro-Industrial Parks has been prioritized in Ethiopia’s national development strategy and four Agro-Industrial Growth Corridors have been selected for piloting the establishment of four Integrated Agro-Industrial Parks. The initiative aims at driving the structural transformation of the Ethiopian economy while reducing rural poverty and creating a better environment for increased investments in agro-processing and allied sectors. Since 1981, FAO has been a strong partner of the Government of Ethiopia towards the achievement of national food security and economic growth goals. FAO is working closely with the Ministry of Agriculture and Natural Resources to empower value chain actors and to promote inclusive, efficient and sustainable agricultural value chains. The present document is the second one of a series of detailed analyses of prioritized commodities, which will lead to inclusive, sustainable and stronger agricultural value chains in the Agro-Commodities Procurement Zone of the pilot Integrated Agro-Industrial Park in Central-Eastern Oromia.

Download or read book Strategic Management for Government Agencies written by Navin Girishankar and published by World Bank Publications. This book was released on 1998-01-01 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents a conceptual framework for the strategic management of government agencies in developing and transition economies. It delineates a working model of an efficient government agency for which core strategy, internal organizational design, and external environment are aligned. It then demonstrates how the objectives of public sector management are ideally based on assessments of "areas of misalignment" in government agencies.

Download or read book The Political Economy of Low Carbon Resilient Development written by Susannah Fisher and published by Taylor & Francis. This book was released on 2016-10-04 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last decade, policies and financing decisions aiming to support low carbon resilient development within the least developed countries have been implemented across several regions. Some governments are steered by international frameworks, such as the UN Framework Convention on Climate Change (UNFCCC), while others take their own approach to planning and implementing climate resilient actions. Within these diverse approaches however, there are unspoken assumptions and normative assessments of what the solutions to climate change are, who the most appropriate actors are and who should benefit from these actions. This book examines the political economy dynamics or the underlying values, knowledge, discourses, resources and power relationships behind decisions that support low carbon resilient development in the least developed countries. While much has been written on the politics of climate change, this book will focus on the political economy of national planning and the ways in which the least developed countries are moving from climate resilient planning to implementation. The book will use empirical evidence of low carbon resilient development planning in four countries: Bangladesh, Ethiopia, Rwanda and Nepal. Different approaches to low carbon resilience are critically analysed based on detailed analysis of key policy areas. This book will be of great interest to policy makers, practitioners’ students and scholars of climate change and sustainable development.

Download or read book Analyzing Banking Risk written by Hennie van Greuning and published by World Bank Publications. This book was released on 2009-03-31 with total page 442 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a comprehensive overview of topics focusing on assessment, analysis, and management of financial risks in banking. The publication emphasizes risk-management principles and stresses that key players in the corporate governance process are accountable for managing the different dimensions of financial risk. This third edition remains faithful to the objectives of the original publication. A significant new edition is the inclusion of chapters on the management of the treasury function. Advances made by the Basel Committee on Banking Supervision are reflected in the chapters on capital adequacy, transparency, and banking supervision. This publication should be of interest to a wide body of users of bank financial data. The target audience includes persons responsible for the analysis of banks and for the senior management or organizations directing their efforts.

Download or read book Diagnosing Corruption in Ethiopia written by Janelle Plummer and published by World Bank Publications. This book was released on 2012-07-06 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a study of the nature of corruption in Ethiopia. It maps eight key sectors. The diagnostics strongly suggest that, in Ethiopia, corrupt practice in the delivery of basic services is potentially much lower than other low-income countries, but that there are emerging patterns in sector level corruption.

Download or read book Operational Risk Management and Business Continuity Planning for Modern State Treasuries written by International Monetary Fund and published by International Monetary Fund. This book was released on 2011-11-09 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This technical note and manual addresses the following main issues: 1. What is operational risk management and how this should be applied to treasury operations. 2. What is business continuity and disaster recovery planning and why it is important for treasury operations? 3. How to develop and implement a business continuity and disaster recovery plan using a six practical-step process and how to have it imbedded into the day-to-day operations of the treasury. 4. What is needed to activate and what are the key procedures when activating the disaster recovery plan.

Download or read book The Federal Democratic Republic of Ethiopia written by International Monetary Fund. African Dept. and published by International Monetary Fund. This book was released on 2014-10-03 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: KEY ISSUES Context: Ethiopia’s investment-led development strategy has delivered robust growth and progress toward Millennium Development Goals (MDGs). Restrained fiscal and monetary policies have helped maintain macroeconomic stability, although the financing mode of the continuing large-scale investment through public enterprises could risk undermining macroeconomic stability. A cautious policy stance will be critical in preserving the recent gains. Focus of the consultation: The discussions centered on policies to sustain strong economic growth and promote structural transformation. Issues covered included: (i) the policy mix to preserve macroeconomic stability and debt sustainability; (ii) the public sector investment program and its financing; and (iii) financial deepening, export competitiveness and the business climate. Outlook and Risks: Growth is expected to remain strong, driven mainly by agriculture and services. Inflation should continue to remain in single digits, in line with a tight monetary policy. Key downside risks include insufficient financing for infrastructure investment in the Growth and Transformation Plan (GTP), lower prices of main export commodities, and weather-related shocks, particularly a drought. Policy mix: Staff recommendations focused on sustaining a cautious policy stance, prioritization of public investments and closer monitoring of state-owned enterprises to ensure prudent borrowing in the context of a medium-term debt management strategy, enhancing export competitiveness, greater resource mobilization and development of the financial sector, and a more prominent role for the private sector. Structural improvements in the functioning of the money and foreign exchange market and building foreign reserves to at least three months of imports were suggested to enhance resiliency. The need for greater interest rate and exchange rate flexibility and improved competitiveness of the traded goods sector, including through exchange rate adjustment, was underscored.

Download or read book Resolving Nonperforming Loans in Sub Saharan Africa in the Aftermath of the COVID 19 Crisis written by Luc Eyraud and published by International Monetary Fund. This book was released on 2021-06-08 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sub-Saharan African countries are facing an unprecedented health and economic crisis that is likely to severely hurt credit quality and raise non-performing loans from already high levels. Banks have a critical role to play not only during the crisis by providing temporarily relief to businesses and households, but also during the recovery by supporting economic activity and facilitating the structural transformations engaged by the pandemic.