assessment of deposit mobilization in ethiopian commercial banks

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1、AssessmentofDepositmobilizationinEthiopianCommercialBanks　　【Abstract】Depositmobilizationisanintegralpartofbankingactivity.MobilizationofsavingsthroughintensivedepositcollectionhasbeenregardedasthemajortaskofbankinginEthiopiatoday.Acceptanceofdepositsistheprimaryfunctionofcommercialbanks.

2、Assuch,depositmobilizationisoneofthebasicinnovationsincurrentEthiopianbankingactivity.　　【Keywords】Depositmobilization;Commercialbanks;Ethiopianbanks　　１．Introduction　　Nationsstriveforthedevelopmentoftheireconomyandpovertyreduction.Investmentisthedrivingforcetobringaboutfastandsustainedeco

3、nomicgrowth.Resourcestobeemployedinthefacilitationofinvestmentactivitiesareacquiredviatheaccumulationofwealthoveracertainperiodoftimeintheformofsavings.Inthisregard,banksplaycrucialintermediaryrolesinmobilizingfinancialresourcesfromthosewhowishtosaveandprovideloantothosewhowishtoinvest.H

4、avingawelldevelopedbankingsystemwithdiversifiedproductsandservicesaccessible8tothepublicisbelievedtoboosteconomicgrowthandreducepoverty.Ofcourse,therelationshipisreciprocalindicatinghigheconomicgrowthisnecessaryforasustaineddevelopmentofthebankingsystemitself.　　1.1Objectiveoftheresearch　

5、　ThisstudyprovidesassessmentofthepotentialfordepositmobilizationinlightoftheenhancedrolesoftheEthiopianbankingindustryintheEthiopianeconomy.　　1.2Methodology　　Themethodologyemployedisbothprimaryandsecondarydataavailableinternallyandexternally.　　2.Literaturereview　　Savingsisaforegonecurren

6、tconsumptionforfutureconsumptionthataccountsfortheresidualbetweenincomeandconsumption.Beyondpostponingconsumption,holdingresourcesundercontrolandsustainingthemforcertaindurationreflectsthetimeaspectofsaving(Schreiner,2005).Savingsistherefore,themovementofresourceseitherasstocksorflowsfro

7、mcurrenttothefuture.Itisinducedbymotivesofmulti-naturebeitshortorlongtimedurations.Theprocessofsavingsisvoluntary,involuntaryandforcedtypes(Thirlwall,2000).　　Themajortypeofmodeofsavingaresavingcomparedwithincome8levelandgrowththeeffectonthelevelofsavingandrateofsavingarea