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EFFECT OF E-BANKING ON BANK PROFITABILITY
[A STUDY OF GUARANTY TRUST BANK PLC ENUGU] -
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ABSRACT - [ Total Page(s): 1 ]This study investigated the Returns on Equity and Returns on Asset of Guaranty Trust Bank following the adoption of E-banking in Nigeria: a study of Guaranty Trust Bank Plc 2014-2017. The main objective of the study is to examine the effect of e-banking on profitability of commercial banks in Nigeria using Guaranty Trust Bank (GTBank) plc as a study. One specific objective is to examine to which extent e-banking influences ROA. Three hypotheses were formulated, three research questions. The research design used was ex post-fact. The data was sourced from the annual report of Guaranty Trust Ban
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TABLE OF CONTENTS - [ Total Page(s): 1 ]Cover page Title page Declaration page ... Continue Reading
CHAPTER ONE - [ Total Page(s): 3 ]However, researchers have not given much attention to this change caused by internet banking with regard to profitability performance of banks. The changes in industry in Nigeria occasioned by the idea of internet banking has forced Nigerian banks to invest more on assets to meet up with competitive positioning. Since many earnings have been retained to meet up this obligation, shareholders have been denied dividend with the anticipation of fatter future dividend. The banking software which is usually improved on a short term basis causes huge financial costs to the banks. To the capital pr ... Continue Reading
CHAPTER TWO - [ Total Page(s): 4 ]2.4 Theoretical Framework 2.4.1 Rogers’ Diffusion Theory This ubiquitous innovator and early adopter concepts lie in diffusion theory, of which Everett Rogers is considered to be the founding father. The central assumption of the theory is that the spread of technology innovations follows a normal bell-shaped distribution pattern. In this pattern, the theory differentiates between five adopter segments, for which the theory holds to fix assumptions on their size, profiles and adoption determinants. According to Rogers (2003), innovativeness or the timing of one’s adoption decision is ... Continue Reading
CHAPTER THREE - [ Total Page(s): 1 ]RESEARCH METHODOLOGY 3.1 Introduction The term methodology is used to describe the activities involved in collecting the required information for this research work. This chapter describes how the study was carried out by showing the methods and procedures used for the research and collection of data for the study. It includes the description of the research design, sources of data, instrument for data collection and data analysis and techniques. 3.2 Research Design The research design employed by the researcher is ex post-facto research which aims at determining ... Continue Reading
CHAPTER FOUR - [ Total Page(s): 1 ]DATA PRESENNTATION AND ANALYSIS 4.1 Data Presentation 4.1.1 Necessary Data for Analyses Year ROE ROA WEB ATM 2014 25.28400942 4.393475 348331 133058 2015 23.25102069 4.140622 1894566 1621722 2016 26.59513795 4.853444 1983266 1617498 2017 ... Continue Reading
CHAPTER FIVE - [ Total Page(s): 1 ]SUMMARY OF FINDING, CONCLUSION AND RECOMMENDATION 5.1 Summary of Findings Internet banking has no significant impact on Return on Asset Internet banking has no significant impact on Return on Equity ATM transactions has no significant effect on Return on Equity 5.2 Conclusion This study investigated the returns on equity and returns on assets of Guarantee Trust bank following the adoption of electronic banking in Nigeria. Nigeria is a developing country advancing in the use of electronic banking for its banking operations in comparison with other African co ... Continue Reading
REFRENCES - [ Total Page(s): 1 ]Al-hajri, S. (2008) “The Adoption of E-banking: The Case of Omani Banks” International Review of Business Research Papers Vol. 4 No. 5 PP 120-128. Al-Smadi, M. O. (2011). Credit risk, macroeconomic and bank specific factors. Germany: VDM Verlag Dr. Müller. Basel Committee on Banking Supervision (2008) “Risk Management Principles for Electronic Banking” Switzerland Bank for International Settlements. Retrieved 10th July, 2010 from http://www.bis./pub/bcbs/pdf Yang, J., Whitefield M. & Bhanot, R. (2005) “E-banking in the Rural Area- Recent T ... Continue Reading
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ABSRACT - [ Total Page(s): 1 ]This study investigated the Returns on Equity and Returns on Asset of Guaranty Trust Bank following the adoption of E-banking in Nigeria: a study of Guaranty Trust Bank Plc 2014-2017. The main objective of the study is to examine the effect of e-banking on profitability of commercial banks in Nigeria using Guaranty Trust Bank (GTBank) plc as a study. One specific objective is to examine to which extent e-banking influences ROA. Three hypotheses were formulated, three research questions. The research design used was ex post-fact. The data was sourced from the annual report of Guaranty Trust Ban
... Continue Reading
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