| ACKNOWLEDGEMENTS | 第5-6页 |
| 摘要 | 第6-7页 |
| ABSTRACT | 第7页 |
| ABBREVIATIONS AND ACRONYMS | 第11-12页 |
| CHAPTER ONE:INTRODUCTION | 第12-16页 |
| 1.1 Background | 第12-13页 |
| 1.2 Statement of the Problem | 第13-14页 |
| 1.3 Objectives of the Study | 第14页 |
| 1.4 Significance of the Study | 第14-15页 |
| 1.5 Organization of the Thesis | 第15-16页 |
| CHAPTER TWO: THEORETICAL AND EMPIRICAL REVIEW | 第16-24页 |
| 2.1 Introduction | 第16页 |
| 2.2 Measurement of Bank Profitability | 第16-18页 |
| 2.3 Measurement of Bank Risks | 第18-21页 |
| 2.4 Measurement of Bank Efficiency | 第21-22页 |
| 2.5 Bank Profitability, Risks and Efficiency: The Linkage | 第22页 |
| 2.6 Conclusion | 第22-24页 |
| CHAPTER THREE:SUB-SAHARAN AFRICA BANKS AND THEIRPOLICIES | 第24-44页 |
| 3.1 General Background Information on SSA Countries | 第24-26页 |
| 3.2 Economic Review of South Africa | 第26-32页 |
| 3.2.1 Financial Sector | 第27-30页 |
| 3.2.2 Banking Sector | 第30-32页 |
| 3.3 Economic Review of Nigeria | 第32-34页 |
| 3.4 Economic Review of EAC Countries | 第34-43页 |
| 3.4.1 Market Structure and Competition in the Banking Sector | 第35-39页 |
| 3.4.2 Recent Banking Sector Developments, Intermediation and Access toFinance | 第39-41页 |
| 3.4.3 Performance and Soundness of Banks | 第41-42页 |
| 3.4.4 Banking Sector Supervision and Regulation | 第42-43页 |
| 3.5 Conclusion | 第43-44页 |
| CHAPTER FOUR: RESEARCH DESIGN AND STATISTICAL DATAPRESENTATION | 第44-50页 |
| 4.1 Introduction | 第44-45页 |
| 4.2 Sample Selection | 第45-46页 |
| 4.3 Research Framework and Methodology | 第46-49页 |
| 4.3.1 Return on assets (ROA) | 第46页 |
| 4.3.2 Return on Equity (ROE) | 第46页 |
| 4.3.3 Yield on Earning Assets (YEA) | 第46-47页 |
| 4.3.4 Rate paid on funds (RPF) | 第47页 |
| 4.3.5 Net Interest Margin (NIM) | 第47页 |
| 4.3.6 Provision for Loan Losses | 第47-48页 |
| 4.3.7 Debt-to-Assets Ratio | 第48页 |
| 4.3.8 Non-Interest Income | 第48页 |
| 4.3.9 Non-Interest Expenses | 第48-49页 |
| 4.4 Conclusion | 第49-50页 |
| CHAPTER FIVE:EMPIRICAL RESULTS AND DISCUSSION OF FINDINGS | 第50-58页 |
| 5.1 Introduction | 第50页 |
| 5.2 Discussion on Profitability | 第50-51页 |
| 5.3 Discussion on Risk | 第51-53页 |
| 5.4 Efficiency | 第53页 |
| 5.5 Panel Data Analysis | 第53-58页 |
| 5.5.1 Data | 第53-54页 |
| 5.5.2 Methodology | 第54-56页 |
| 5.5.3 Findings | 第56-57页 |
| 5.5.4 Summary of Findings | 第57-58页 |
| CHAPTER SIX: CONCLUSION AND RECOMMENDATIONS | 第58-61页 |
| 6.1 Conclusion | 第58-60页 |
| 6.2 Recommendations | 第60-61页 |
| References | 第61-63页 |
| Appendixes | 第63页 |
| Appendix A: Profitability, Risk and Efficiency ratios for South African SampleBanks | 第63-65页 |
| Appendix B: Profitability, Risk and Efficiency ratios for Nigerian Sample Banks | 第65-67页 |
| Appendix C: Profitability, Risk and Efficiency ratios for Kenyan Sample Banks | 第67-69页 |
| Appendix D: Profitability, Risk and Efficiency ratios for Tanzanian Sample Banks | 第69-71页 |
| Appendix E: Profitability, Risk and Efficiency ratios for Ugandan Sample Banks | 第71-72页 |
