@incollection{,
	
					
					
					A71179EA7E909BCAD51F3A1C227FC2A7
				,
	author={{Muhabie MekonnenMengistu} and {Pan African University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1595164
}

@book{b0,
	
	
		,
	title={{Financial Performance Evaluation: A Case Study of Awash International Bank. A Research project submitted to the Department of Accounting and Finance}}
		,
	author={{
			AbdiDufera
		}}
		
			,
	year={2010}
			,
	address={Mekelle, Ethiopia}
		
		
			College of Business and Economics, Mekelle University
		
	

}

@incollection{b1,
	
	
		,
	title={{Banking Sector Reform in Ethiopia}}
		,
	author={{
			AdmassuBezabeh
		} and {
			AsayehgnDesta
		}}
		
	
	
		,
	journal={{International Journal of Business and Commerce School of Business and Leadership}}
		
			3
			8
			,
	year={2014}
		
		
			Dominican University of California
		
	

}

@book{b2,
	
	
		,
	title={{Annual Report of Zemen Bank}}
		,
	author={{
			BerhaneGhebray
		}}
		
			,
	year={2014}
			,
	address={Addis Ababa, Ethiopia}
		
	

}

@incollection{b3,
	
	
		,
	title={{Evaluation of Financial Performance of Banking Sector: Evidence from Bosnia and Herzegovina, Croatia, Serbia and Slovenia}}
		,
	author={{
			NDreca
		}}
	
	
		,
	journal={{Journal of Economic and Social Studies. Faculty of Business and Administration}}
		
			,
	year={2012}
		
		
			International University of Sarajevo
		
	

}

@book{b4,
	
	
		,
	title={{Annual Report of Zemen Bank}}
		,
	author={{
			TErmyas
		} and {
			Amelga
		}}
		
		
			,
	year={2011}
			,
	address={Addis Ababa, Ethiopia}
		
	

}

@book{b5,
	
	
		,
	title={{The Determinants of Commercial Bank Profitability in Sub-Saharan Africa}}
		,
	author={{
			CFlamini
		} and {
			CValentina
		} and {
			GMcdonald
		} and {
			SLiliana
		}}
		
		
		
		
			,
	year={2009}
		
	
	,
	note={IMF Working Paper}

}

@book{b6,
	
	
		,
	title={{The Role of Public and Private Sector Banking in Ethiopia's Future Economic Growth}}
		,
	author={{
			TKeatinge
		}}
		
			,
	year={2014}
		
		
			Global Center on Cooperative Security, policy Brief
		
	

}

@incollection{b7,
	
	
		,
	title={{A financial Ratio Analysis of Commercial Bank Performance in South Africa}}
		,
	author={{
			MabweKumbirai
		} and {
			RobertWebb
		}}
		
	
	
		,
	journal={{African Review of Economics and Finance}}
		
			2
			1
			,
	year={2010}
		
		
			Rhodes University
		
	
	,
	note={Print Services}

}

@book{b8,
	
	
		,
	title={{Corporate Finance}}
		,
	author={{
			SARoss
		} and {
			RWWesterfield
		} and {
			JJaffe
		}}
		
		
		
			,
	year={2005}
			,
	publisher={McGraw-Hill Inc}
		
	
	,
	note={7th Ed}

}

@book{b9,
	
	
		,
	author={{
			VanHorne
		} and {
			JamesWachowicz
		} and {
			John
		}}
		
		
		,
	title={{Fundamentals of Financial Management}}
				
			,
	publisher={Pearson Education Limited}
			,
	year={2005}
		
	
	,
	note={12th Ed}

}

@book{b10,
	
	
		,
	title={{}}
		,
	author={{
			ZemenBank
		}}
		
			,
	year={2009}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Annual Report}

}

@book{b11,
	
	
		,
	title={{}}
		,
	author={{
			ZemenBank
		}}
		
			,
	year={2010}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Annual Report}

}

@book{b12,
	
	
		,
	title={{}}
		,
	author={{
			ZemenBank
		}}
		
			,
	year={2011}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Annual Report}

}

@book{b13,
	
	
		,
	title={{}}
		,
	author={{
			ZemenBank
		}}
		
			,
	year={2012}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Annual Report}

}

@book{b14,
	
	
		,
	title={{}}
		,
	author={{
			ZemenBank
		}}
		
			,
	year={2013}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Annual Report}

}

@book{b15,
	
	
		,
	title={{}}
		,
	author={{
			ZemenBank
		}}
		
			,
	year={2014}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Annual Report}

}