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Factors that influence banks’ performance in existence of treasury single account

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dc.contributor.author Mawalla, Haika
dc.date.accessioned 2023-12-19T05:08:09Z
dc.date.available 2023-12-19T05:08:09Z
dc.date.issued 2023
dc.identifier.uri http://repository.mocu.ac.tz/xmlui/handle/123456789/969
dc.description A full text thesis from Banking, Accounting and Finance en_US
dc.description.abstract This study systematically examines the implications of implementing the Treasury Single Account (TSA) on Tanzanian banks, focusing on profitability, efficiency, and stability. Through regression analysis, the first objective reveals a notable adverse effect of TSA on Return on Assets (ROA) and Return on Equity (ROE), indicating the extensive impact of increased scrutiny of public funds. The second objective uncovers statistically significant adverse effects on bank efficiency, particularly related to non-performing loans (NPLs), emphasizing the need for enhanced NPL management and technological adoption. The third objective highlights decreased stability post-TSA, with a significant negative impact on the loan loss provision to equity ratio. The study employed a descriptive research approach, influenced by literature, and utilized purposive and random sampling of 35 Tanzanian banks. Data collection involved a methodical examination of relevant documents, and quantitative techniques, including Difference-in-Differences (DID) regression models, were used for analysis. The results emphasize the substantial adverse impact of TSA on the stability, profitability, and efficiency of Tanzanian banks, calling for strategic initiatives in operational efficiency, revenue diversification, regulatory engagement, proactive risk management, and ongoing research to navigate financial market dynamics en_US
dc.language.iso en en_US
dc.publisher Moshi Co-operative University (MoCU) en_US
dc.subject Treasury en_US
dc.subject Single account en_US
dc.subject Commercial banks en_US
dc.subject Community en_US
dc.subject Tanzania en_US
dc.subject Banks’ performance en_US
dc.title Factors that influence banks’ performance in existence of treasury single account en_US
dc.title.alternative evidence from community and commercial banks in Tanzania. en_US
dc.type Thesis en_US


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