MoCU Repository

Comparative analysis of small and large commercial banks’ financial performance in Tanzania pre and post-regulatory reviews

Show simple item record

dc.contributor.author Majondo, Safari
dc.contributor.author Mataba, Lucas D.
dc.contributor.author Mmari, Goodluck A.
dc.date.accessioned 2023-08-16T06:53:12Z
dc.date.available 2023-08-16T06:53:12Z
dc.date.issued 2023
dc.identifier.citation Majondo, S., Mataba, L., & Mmari, G. (2023). Comparative analysis of small and large commercial banks’ financial performance: pre and post-regulatory reviews. Journal of Co-operative and Business Studies, 7(1), 39-52 en_US
dc.identifier.issn 2714-2043
dc.identifier.issn 0856-9037
dc.identifier.uri http://repository.mocu.ac.tz/xmlui/handle/123456789/433
dc.description The current issue and full text archive of this journal is available at: journals.mocu.ac.tz en_US
dc.description.abstract The Regulatory Requirements Reviews (RRR) carried out by the Bank of Tanzania (BoT) in 2008 and 2014 have brought both positive and negative consequences for commercial banks, some of which led to the collapse and merger of banks. This study, therefore, analysed the effect of adjustments in the regulatory framework on Tanzania’s commercial banks' performance. Specifically, it analysed the performance level of both small and large banks across time. In addition, the study compared the performance of 24 sampled commercial banks before and after RRR. Data were analysed using descriptive statistics and Student paired t-test. The results, generally, show that Return on Equity (ROE) and Saving Mobilisation Ratio (SMR) positively increased after RRR and their difference was statistically significant (p-value =0.01. The findings further show that Return on Assets (ROA) increased and Non-Performing Loan (NPL) decreased after RRR. However, their differences were not statistically significant. Considering banks' category and time dimensions, the study concludes that most banks performed well in terms of ROE and SMR after the implementation of RRR. However, large banks performed better than small banks. Therefore, the study recommends that, for banks to perform better especially the small banks, they should continue to properly utilize the resources for compliance with the new regulatory requirements. For NPL, both banks need to take serious measure to mitigate NPL exposures including compliance with credit risk management guideline (2010) and regulations (2014) en_US
dc.language.iso en en_US
dc.publisher Journal of Co-operative and Business Studies (JCBS) en_US
dc.subject Financial en_US
dc.subject Performance en_US
dc.subject Pre and Post en_US
dc.subject Reviews en_US
dc.subject Commercial Banks en_US
dc.subject Comparative en_US
dc.subject Analysis en_US
dc.title Comparative analysis of small and large commercial banks’ financial performance in Tanzania pre and post-regulatory reviews en_US
dc.type Article en_US


Files in this item

This item appears in the following Collection(s)

Show simple item record

Search MoCU IR


Browse

My Account