Have a look at the annual reports of ing abnamro rabo maybe they might interesting forvyour project! Good luck

Hi Tochi Gladys !

What are you looking exactly for? What ist your research question? Maybe if we know more about your topic, we can give more appropriate answers.

BW Christian

Christian Neusser

My topic is

impact of electronic banking on profitability of commercial banks in Nigeria (AccessBank).

I have gotten my proxies for profitability which is my independent variable and they include RETURN ON CAPITAL EMPLOYED (ROCE), EARNINGS PER SHARE (EPS) and ASSET TURNOVER but I’m yet to get a proxy for electronic banking I.e what I can use to measure electronic banking

You may be unable to measure electronic banking but instead 'Quality of Electronic Banking'.

This can be measured by requesting respondents to rate on a scale of 1 (low extent) to 5 (very great extent) the extent to which the bank applies ICT in providing the following banking services: (1) Account balance enquiry; (2) transfer of funds; (3) cash withdrawal through ATM; (4) POS ....and other associated banking services.

The overall Mean of the items can then be derived to represent the index for 'Quality of electronic banking'.

Of course, you have to decide if you are assessing the item from the perspective o customers or bank officers, depending on your research objective.

The approach suggested in the foregoing applies to measuring the item through a questionnaire in generating survey data for the study.

Try seeing how much of the Banking Transactions are being done Electronically. Also compare use of ATM for cash withdrawal v/s a physical transaction with human touch.

Even if there were a close proxy for measuring 'electronic banking' , running a regression using it as independent variable to predict (or find correlation) for profitability (using ROE, ROCE, etc) may not highlight its proper impact since profitability of a bank of considerably impacted by variable like change in Interest rates and levels of NPA. Contribution of electronic banking is towards reduction in 'Core Operating Costs' by reducing the contact hours required by bank employees to carry out banking functions (for servicing customers). So it might better to look at e-banking's impact on Cost reduction rather than comparing it with direct profitability measures. You may need proxies which help you gauge if the introduction of e-banking reduced the operating cost. Proxies like what were the number of total accounts per employee , or what are the total loans per employee over the years. You can test for hypothesis like "Has the per employee business changed after the introduction of e-banking?" As mentioned you can gauge per employee business by calculating No. of accounts per employee or Amount of Loan per employee. If significant (statistically) difference is found between values for post e-banking period when compared to pre e-banking period , relevant conclusions can be drawn with attendant limitations