Academic literature on the topic 'Equity Bank (Kenya)'
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Journal articles on the topic "Equity Bank (Kenya)"
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Kori, Blandina Walowe, Stephen M. A. Muathe, and Samuel Mwangi Maina. "Financial and Non-Financial Measures in Evaluating Performance: The Role of Strategic Intelligence in the Context of Commercial Banks in Kenya." International Business Research 13, no. 10 (September 28, 2020): 130. http://dx.doi.org/10.5539/ibr.v13n10p130.
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This study provides comprehensive discussion on role of strategic intelligence in commercial banks, in Kenyan context. The primary focus was to evaluate the performance of commercial banks using both financial and non-financial performance measurers. The financial measurers comprised return on equity (ROE), while non-financial measures were customer satisfaction, learning and growth, and internal processes. The study was anchored on resource-based view and balanced scorecard model. The target population comprised 40 commercial banks. Additionally, the sample size 181 was selected proportionately through stratified sampling procedure. Data collection instruments comprised closed and open -ended questionnaires and online review. The study used both primary and secondary data, where primary data was obtained from Kenya commercial banks head offices, while secondary data, for the year 2016 – 2018, was obtained from the annual reports of the central bank of Kenya. Data analysis was done using descriptive statistics and linear multiple regression analysis. Findings of the study indicate that strategic intelligence has a statistically significance on the performance of commercial banks in Kenya. Moreover, both financial and non-financial measures of performance are relevant in the banking sector and growth of Kenyan economy. The study recommends that commercial bank in Kenya should integrate their training focus and strategy implementation with investors interests based on balanced score card.
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Karimi, Kirima Lucy. "Effects of Agency Banking on Bank Performance: A Case of Equity Bank Meru Branch, Kenya." Business and Economic Research 8, no. 4 (November 21, 2018): 100. http://dx.doi.org/10.5296/ber.v8i4.13941.
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The purpose of this study was to establish the effects of agency banking on bank performance with a focus of Equity Bank Meru Branch, Kenya. The reason for the selection of Equity Bank was because of its large customer base and because of its growth. The study adopted a descriptive research design and the target population was the eighteen agency bank agents. The study used stratified random sampling to select 11 agents that were used in the study. Both quantitative and qualitative data was collected by use of questionnaires with both open and closed ended questions. Data was analyzed and presented using descriptive statistical tools. The study findings indicated that the general cost such as operations and transactions cost were still high even for agency banking, security measures were in place that is physical security though it needed strengthening, transaction security and customer security were not good and needed improvement and the regulations that were in place for agency banking also needed to be improved. The study made the following recommendations: For agent banking operations to be effective, strong internal control systems should be put in place which should be flexible and be evaluated periodically to increase efficiency and effectiveness; there should also be frequent updates of regulations and policies that guide agency banking and procedures that are used in the banking and agency industry in Kenya. Bankers Association in consultation with the Central Bank of Kenya should carry out frequent audit and research in relationship to agency banking to determine any loopholes and challenges in order to advice the banks accordingly. Also banks should work closely with the agents in order to streamline the systems and processes to help achieve efficiency. The results gathered out of the audit and research will help the banks to keep their agents updated.
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Mwangi, Mercy Wanja, and Jane Wanjira. "Corporate Social Responsibility and the Performance of Commercial Banks in Kenya: A Case of Equity Bank." International Journal of Current Aspects 3, no. II (May 20, 2019): 186–98. http://dx.doi.org/10.35942/ijcab.v3iii.17.
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The goal of this study was to explore the influence of Social Corporate Responsibility on organization Performance. It specifically sought to establish the influence of philanthropic CSR activities benefits salient to CSR activities CSR contributions and financial-focused CSR on Equity Bank performance. This study was guided by three theories namely Triple Bottom Line Theory, the Stakeholder Theory as well as the Fiduciary Capitalism Theory. This study adopted a descriptive research design. With all the 238 management staff at Equity Bank being the target population. In order to answer the research questions, the study incorporated merits of secondary data which formed a basis for comparison with findings. The findings of the study were: philanthropic CSR, benefit salient, CSR contributions and financial focused CSR, had a significant influence on organizational performance of commercial banks in Kenya. The study concludes that: Philanthropic CSR, benefit salient on CSR, CSR contributions and financial focused CSR activities had a positive and significant influence on Equity Bank organizational performance. The study thus makes the following recommendations that Equity bank management should continue to invest more in the corporate social responsibility aspect done to make the life of beneficiaries better in terms of education, health and other humanistic endeavors. They should improve on strategies that improves on the desired outcomes that accrue out of CSR activities and improve by seminars and involvement actions how the employees feel about CSR enough to warrant motivation to better productivity by them.
This is an open-access article published and distributed under the terms and conditions of the Creative Commons Attribution 4.0 International License of United States unless otherwise stated. Access, citation and distribution of this article is allowed with full recognition of the authors and the source.
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Mwangi, Mirie. "The Effect of Size on Financial Performance of Commercial Banks in Kenya." European Scientific Journal, ESJ 14, no. 7 (March 31, 2018): 373. http://dx.doi.org/10.19044/esj.2018.v14n7p373.
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The question of whether size influences financial performance of commercial banks has not been conclusively settled empirically. The objective of the study was therefore to establish the effect size has on the profitability of commercial banks in Kenya. The study used an unbalanced panel of all commercial banks in Kenya for the ten year period 2007 to 2016 (the number ranged from 39 to 43). Regression analysis was used to relate size (proxied by log of total assets) against financial performance (Return on assets and return on equity). Size was found to have a positive effect on financial performance of commercial banks in Kenya. In addition, the effect was stronger the larger the commercial bank. The study recommends that policy initiatives geared towards increasing the size of the commercial banks be considered and shareholders/managers could also adopt growth strategies (internally generated, fund raising or mergers and acquisitions).
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Muriithi, Jane Gathigia, and Kennedy Munyua Waweru. "Liquidity Risk and Financial Performance of Commercial Banks in Kenya." International Journal of Economics and Finance 9, no. 3 (February 22, 2017): 256. http://dx.doi.org/10.5539/ijef.v9n3p256.
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The focus of this study was to examine the effect of liquidity risk on financial performance of commercial banks in Kenya. The period of interest was between year 2005 and 2014 for all the 43 registered commercial banks in Kenya. Liquidity risk was measured by liquidity coverage ratio (LCR) and net stable funding ratio (NSFR) while financial performance by return on equity (ROE). Data was collected from commercial banks’ financial statements filed with the Central Bank of Kenya. Panel data techniques of random effects estimation and generalized method of moments (GMM) were used to purge time-invariant unobserved firm specific effects and to mitigate potential endogeneity problems. Pairwise correlations between the variables were carried out. Wald and F- tests were used to determine the significance of the regression while the coefficient of determination, within and between, was used to determine how much variation in dependent variable is explained by independent variables. Findings indicate that NSFR is negatively associated with bank profitability both in long run and short run while LCR does not significantly influence the financial performance of commercial banks in Kenya both in long run and short run. However, the overall effect was that liquidity risk has a negative effect on financial performance. It is therefore advisable for a bank’s management to pay the required attention to the liquidity management.
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Odhiambo, Felix Ouma, and Fredrick Ndede. "Credit Information Sharing Practices and Financial Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. VI (November 8, 2019): 67–82. http://dx.doi.org/10.35942/ijcab.v3ivi.79.
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The banking sector in Kenya suffered increased non-performing credits which prompted collapse of certain banks with an upsurge of loan defaulters. This was mainly attributed to the continued information asymmetry in the industry because of absence of a credit data sharing component. Commercial banks in Kenya have continued to encounter a number of challenges in obtaining information on customers’ payment history that helps guide on determining their ability to access and re-pay loan advancements. This has made more commercial banks to subscribe to credit reference bureaus since its establishment in 2008. As a result, commercial banks in Kenya have been experiencing high rates of Non-Performing Loans advanced to customers. The general objective of the study was to determine the effect of credit information sharing practices on financial performance of commercial bank in Kenya. The study specific objectives were to determine the effect of information accuracy, volume of lending and customer credit reports on financial performance of commercial bank in Kenya. The study was anchored by adverse selection theory, moral hazard theory and asymmetry theory. The researcher used a descriptive research design. The target population was five banks within Nairobi County including KCB, Equity Bank, Family Bank, Cooperative Bank and Barclays Bank. Primary data was collected using questionnaires and secondary data using financial statements of the commercial banks performance for the past 5 years. Data was analysed using descriptive statistics and inferential statistics. The study found that information accuracy, volume of lending and customer credit reports were positively and significantly related to the financial performance of the commercial banks. The study concludes that information accuracy increases the banks ' understanding of the applicants’ features and allows a more precise forecast of their probabilities of repayment, it decreases the information rents that banks could otherwise obtain from their clients and it can function as a borrower discipline tool. Lending volume enhances business banks ' enhanced operations, which in turn leads to banks’ enhanced economic results. Sharing of credit information has made commercial banks grant more loans on the basis of their reputation to deserving clients, thereby improving their profitability. When extensive consumer credit history information are easily accessible, it considerably decreases the cost of entering loan markets for fresh lenders, enhances competition and lowers credit rates. The research recommends that for enhanced results, all financial institutions in Kenya need to protect the precision of their platforms for data sharing. Regular site visits should offer credibility to the precision of the borrowers’ data. The data supplied by CRB should be used efficiently by commercial banks to lend to prospective borrowers. Only borrowers with a strong history of credit should be permitted access to the loans. The research also proposes that Kenya's commercial banks should base credit awards on the borrowers’ reputational assets, ensuring that the loan default rate is small, thus enhancing commercial bank performance.
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Njoroge, Lucas K. "The Financial Trilemma and Macroeconomic Instability: Empirical Evidence from Kenya." American Journal of Trade and Policy 2, no. 2 (August 31, 2015): 59–70. http://dx.doi.org/10.18034/ajtp.v2i2.384.
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The purpose of the study is to test whether the financial trilemma holds for a small open economy, and examine the implication of the implicit financial trilemma configuration on macroeconomic instability using Kenyan data. First, the study constructs the trilemma and macroeconomic instability indices and tests the financial trilemma. Second, the study empirically examines the effect of financial trilemma on macroeconomic instability. The results show that the financial trilemma does not hold for Kenya. However, by using the overall foreign participation to total equity turnover as a measure of financial openness, the trilemma indices are statistically significant. The results imply that the increasing financial openness is potentially driving the Kenyan economy towards financial trilemma characterized by a delicate balance of improving monetary independence and exchange rate stability. Financial openness is associated with increased macroeconomic instability. International reserve accumulation acts as a buffer and does not cause macroeconomic instability, implying that the Central Bank of Kenya conducted effective sterilization during the study period. This is the first study to test for the financial trilemma using Kenyan data. This study differs from other similar studies in a number of important ways. First, the study construct alternative financial trilemma indices that reflect the various reforms taking place in Kenya. Second, the study uses a unique data set based the newly released quarterly GDP data unlike most other studies that depend on annual data.
JEL Classifications Code: F31
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Njeri Mwara, Mary. "Assessment of Use of Diversification Strategy in Enhancing Competitive Performance at Equity Bank, Kenya." International Journal of Finance and Banking Research 2, no. 2 (2016): 40. http://dx.doi.org/10.11648/j.ijfbr.20160202.12.
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Ndungu, John Gichia, and Willy Muturi. "Effect of Diversification on Financial Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. V (October 31, 2019): 267–85. http://dx.doi.org/10.35942/ijcab.v3iv.67.
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Diversification plays a vital role in risk management and consequently financial performance of commercial banks. Diversification mitigates systemic risk facing a commercial bank and thus reduces the probability of bank failure. In Kenya, commercial banks have been diversifying their business by increasingly offering new services such as mobile banking, agency banking, bank-assurance, faceless banking and integrating microfinance in their banking system. Diversification by the commercial banks is premised on the need to enhance financial performance. This has mainly emanated from banking industry having undergone numerous regulations regimes which over the years have affected financial performance of these entities. Empirical literature shows that diversification may not always lead to higher financial performance due to increased overheads and exhausted economies of scale. The study sought to determine the effect of diversification on financial performance of commercial banks in Kenya. The specific objectives of the study were to determine the effect of income diversification on financial performance of commercial banks in Kenya, to examine the effect of geographical diversification on financial performance of commercial banks in Kenya and to examine the effect of product diversification on financial performance of commercial banks in Kenya. Secondary data used by the study was collected for five years period (2013-2017 on annual basis). All the commercial banks were studied. Data was analysed using descriptive and inferential statistics and presented in tables and figures. The study found that Income Source Diversification and Geographical Diversification had a positive effect on the financial performance of the commercial banks while the Product Diversification had a negative impact the financial performance the commercial banks. The findings from the OLS regression analysis revealed that the diversification components studied namely product diversification, geographical diversification and income diversification explain up to 13.3% of the variations in return on assets (R2=0.133) and 18.7% of the variations in return on equity (R2=0.187). The study concluded that financial performance of the commercial banks in Kenya can be accounted for by the diversification strategies that have been implemented. It was further concluded that increased formulation and implementation of additional diversification strategies resulted in significant improvement in the financial performance of the commercial banks. The study recommended that managers at the commercial banks to make formulation and implementation of diversifications as a key organizational priority. Before the adoption of any particular diversification, the management of the commercial banks are econcouraged to first determine the suitability of that particular diversification strategies based on the organization structure, culture and policies and the overall intended outcomes. The study recommends that the government and other regulatory bodies to create favourable policies on the implementation of diversifications in commercial banks. This will ensure that there is effectiveness, efficiency as well as consistency in the use and adoption of diversifications by not only the banks but also other organizations in different sectors.
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Ouma, Moses O., and Gabriel N. Kirori. "Evaluating the Financial Soundness of Small and Medium-Sized Commercial Banks in Kenya: An Application of the Bankometer Model." International Journal of Economics and Finance 11, no. 6 (May 5, 2019): 93. http://dx.doi.org/10.5539/ijef.v11n6p93.
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The study investigated the financial soundness of small and medium-sized commercial banks in Kenya over the four-year period, 2014 to 2017, using the bankometer model and further compared the financial health of the two bank categories. The study employed secondary data from a census of Twelve (12) medium-sized and Sixteen (16) small banks, with the financial soundness being proxied by the overall solvency score (S-Score) in order to achieve its objective. A total of six (6) different financial ratios namely, Capital to Assets ratio, Equity to Assets ratio, Capital Adequacy Ratio, Non-Performing Loans ratio, Operating Cost to Operating Income ratio and the ratio of Loans to Assets were used in the study to measure the degree of financial health of the banks. One of the key findings of the study was that both the small and medium-sized commercial banks in Kenya were financially sound during each of the four (4) years studied, with no significant difference in the financial soundness of the two bank categories. Other findings were that all the banks studied experienced poor performance in loans and operations while two banks had below the benchmark capital adequacy ratio. The findings of the study are important in that, they can be used to formulate policies and strategies for promoting improvement in the financial performance of the banking sector in particular and the business sector at large in the country.
Dissertations / Theses on the topic "Equity Bank (Kenya)"
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Adero, Gloria, and Jun Liu. "Maintaining Competitiveness Through Strategic Alliances : Case Study of Equity Bank Kenya." Thesis, Linköpings universitet, Företagsekonomi, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-71059.
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Background: The Kenyan financial sector has recently been growing at high rate due to the inclusion of individuals who previously were unable access banking services. This has led to a competitive situation where banks and micro finance institutions are searching for ways to manage in this competitive sector. In addition, mobile phone companies are now considered as a competitive threat. Aim: This study will look into how strategic alliances between banks and mobile phone companies can be used to overcome these challenges with a specific focus on the recent alliance between Equity Bank (Kenya), and Safaricom Ltd. The study will also focus on the management of strategic alliances within different industries. Method: The analysis of this study is based on qualitative research including the use of interviews with members of both organizations and secondary data which includes written documentation and analysis of previously recorded discussions about the alliance with different members of both organizations. Results: The authors found strategic alliances can be used as a tool which enables firms to overcome threats from their competitors while gaining additional benefits. In terms of alliance management, the use of separate teams was found to be an effective management tool in cross industry alliances.
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Kinuthia, Wanyee. "“Accumulation by Dispossession” by the Global Extractive Industry: The Case of Canada." Thèse, Université d'Ottawa / University of Ottawa, 2013. http://hdl.handle.net/10393/30170.
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This thesis draws on David Harvey’s concept of “accumulation by dispossession” and an international political economy (IPE) approach centred on the institutional arrangements and power structures that privilege certain actors and values, in order to critique current capitalist practices of primitive accumulation by the global corporate extractive industry. The thesis examines how accumulation by dispossession by the global extractive industry is facilitated by the “free entry” or “free mining” principle. It does so by focusing on Canada as a leader in the global extractive industry and the spread of this country’s mining laws to other countries – in other words, the transnationalisation of norms in the global extractive industry – so as to maintain a consistent and familiar operating environment for Canadian extractive companies. The transnationalisation of norms is further promoted by key international institutions such as the World Bank, which is also the world’s largest development lender and also plays a key role in shaping the regulations that govern natural resource extraction. The thesis briefly investigates some Canadian examples of resource extraction projects, in order to demonstrate the weaknesses of Canadian mining laws, particularly the lack of protection of landowners’ rights under the free entry system and the subsequent need for “free, prior and informed consent” (FPIC). The thesis also considers some of the challenges to the adoption and implementation of the right to FPIC. These challenges include embedded institutional structures like the free entry mining system, international political economy (IPE) as shaped by international institutions and powerful corporations, as well as concerns regarding ‘local’ power structures or the legitimacy of representatives of communities affected by extractive projects. The thesis concludes that in order for Canada to be truly recognized as a leader in the global extractive industry, it must establish legal norms domestically to ensure that Canadian mining companies and residents can be held accountable when there is evidence of environmental and/or human rights violations associated with the activities of Canadian mining companies abroad. The thesis also concludes that Canada needs to address underlying structural issues such as the free entry mining system and implement FPIC, in order to curb “accumulation by dispossession” by the extractive industry, both domestically and abroad.
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Ndwiga, Nicholas Murithi. "The role management accounting in creating and sustaining competitive advantage : a case study of Equity Bank, Kenya." Diss., 2011. http://hdl.handle.net/10500/5047.
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Current management accounting techniques have not been widely accepted as
a means to develop a competitive advantage. The information obtained from the
literature reviewed and the results from an empirical study that involved a
sample of forty respondents from Equity Bank found that the modern
management accounting practices provide very important skills and techniques
in building competitiveness. The practices play an important role in the planning,
developing, implementing and evaluating strategic competitive policies that
result in a competitive advantage. The study outlines the importance of
management accounting practices in providing strategies that lead to the
creation of a competitive advantage in an organisation. However, the
conclusions are drawn on a conceptual level and a future empirical investigation
is needed to substantiate these claims further. The study also sets a foundation
for more focused research into the importance of modern management
accounting practices in developing a competitive advantage especially in the
banking sector.Management Accounting
M.Comm. (Accounting)
Books on the topic "Equity Bank (Kenya)"
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David, Cracknell, and MicroSave-Africa (Organization), eds. Equity Bank's market-led revolution. [Nairobi]: MicroSave, 2007.
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Bichanga, Dr Okibo Walter. Influence of Management Accounting in Creating Sustainable Competitive Advantage in Commercial Banks: A Case Study of Equity Bank, Kenya. New Delhi, India: Edupedia Publications Pvt Ltd, 2015.
Find full textBook chapters on the topic "Equity Bank (Kenya)"
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Kibugi, Robert. "The Constitutional Basis of Public Participation in Environmental Governance: Framing Equitable Opportunities at National and County Government Levels in Kenya." In The World Bank Legal Review, Volume 5:Fostering Development through Opportunity, Inclusion, and Equity, 307–27. The World Bank, 2013. http://dx.doi.org/10.1596/978-1-4648-0037-5_ch16.
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Abbaszadeh, Babak. "Financial Stability and Bank Supervision in the Twenty-First Century." In 50 Years of Central Banking in Kenya, 86–91. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780198851820.003.0006.
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This chapter addresses the challenges and opportunities for financial stability and bank supervision in the twenty-first century. It is argued that one of the major challenges to the vision of achieving a world where the financial systems are stable, reliable, and accessible was the 2008 global financial crisis. The G20 took up an agenda to improve regulation and supervision regimes globally through initiatives such as higher capital requirements and new liquidity regulations. However, challenges have emerged due to advances in technology, financial innovations, climate change, legislative or regulatory barriers and money laundering, organized crime, corruption, and the financing of terrorism. In particular, supervisors in developing economies face the challenge of how to ensure financial stability while at the same time promoting the development of the financial system to sustainable economic growth for poverty reduction and greater equality.