@incollection{,
	
					
					
					30A4DE3CF825B620C695E9825E8876E9
				,
	author={{Abdurezak MohammedKuhil} and {Addis Abeba University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1843748
}

@incollection{b0,
	
	
		,
	title={{Mark-to-Market Accounting and Liquidity Pricing," forthcoming}}
		,
	author={{
			FAllen
		} and {
			ECarletti
		}}
		
		
	
	
		,
	journal={{Journal of Accounting and Economics}}
		
			,
	year={2008}
		
	

}

@book{b1,
	
	
		,
	title={{Factors Infuluncing Performance of the UAE Islamic and Conventional National Banks. Department of Accounting, Finance and Economics}}
		,
	author={{
			HAl-Tamimi
		} and {
			AHassan
		}}
		
		
			,
	year={2010}
		
		
			College of Business Administration, University of Sharjah
		
	

}

@incollection{b2,
	
	
		,
	title={{Ownership and efficiency in banking}}
		,
	author={{
			YAltunbas
		} and {
			LEvans
		} and {
			PMolyneux
		}}
		
		
	
	
		,
	journal={{Journal of Money, Credit and Banking}}
		
			33
			4
			
			,
	year={2001}
		
	

}

@incollection{b3,
	
	
		,
	title={{Efficiency in European Banking}}
		,
	author={{
			YAltunbas
		} and {
			EGardener
		} and {
			PMolyneux
		} and {
			BMoore
		}}
		
		
		
	
	
		,
	journal={{European Economic Review}}
		
			45
			
			,
	year={2001}
		
	

}

@incollection{b4,
	
	
		,
	title={{Bank liquidity creation}}
		,
	author={{
			ABerger
		} and {
			CBouwman
		}}
		
	
	
		,
	journal={{Rev Financ Stud}}
		
			22
			
			,
	year={2009}
		
	

}

@incollection{b5,
	
	
		,
	title={{The profit-structure relationship in banking, Tests of market-power and efficientstructure hypotheses}}
		,
	author={{
			ABerger
		}}
	
	
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	journal={{Journal of Money, Credit and Banking}}
		
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	year={1995}
		
	

}

@incollection{b6,
	
	
		,
	title={{Concentration and Other Determinants of Bank Profitability in Europe}}
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	author={{
			PBourke
		}}
	
	
		,
	journal={{Journal of Banking and Finance}}
		
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	,
	note={North America and Australia}

}

@book{b7,
	
	
		,
	title={{The CAMEL Rating System in Banking Supervision: a Case Study of Arcada University of Applied Sciences}}
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	author={{
			UDang
		}}
		
			,
	year={2011}
		
	
	,
	note={International Business}

}

@incollection{b8,
	
	
		,
	title={{Determinants of commercial bank interest margin and profitability: some international evidence}}
		,
	author={{
			ADemirguc-Kunt
		} and {
			HHuizinga
		}}
		
	
	
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	journal={{World Bank Economic Review}}
		
			13
			2
			
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	year={1999}
		
	

}

@incollection{b9,
	
	
		,
	title={{Financial Intermediation and Delegated monitoring}}
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	author={{
			DDiamond
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		,
	journal={{Review of financial Studies}}
		
			51
			
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}

@book{b10,
	
	
		,
	title={{Basic Econometrics}}
		,
	author={{
			DGujarati
		} and {
			DPorter
		}}
		
		
			,
	year={2009}
			,
	address={New York, McGraw-Hill}
		
	
	,
	note={5 th edition}

}

@incollection{b11,
	
	
		,
	title={{A financial Ratio Analysis of Commercial Bank Performance in South Africa}}
		,
	author={{
			MKumbirai
		} and {
			RWebb
		}}
		
	
	
		,
	journal={{African Review of Economics and Finance}}
		
			2
			1
			
			,
	year={2010. Dec 2010}
		
	

}

@book{b12,
	
	
		,
	title={{Factors Affecting the Performance of Foreign Banks in Malaysia Master of Science (Banking), College of Business (Finance and Banking)}}
		,
	author={{
			SELhomovich
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			,
	year={2009}
		
		
			University Utara Malaysia
		
	

}

@incollection{b13,
	
	
		,
	title={{The profitability of banks in Japan}}
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	author={{
			HLiu
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			JWilson
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		,
	journal={{Applied Financial Economics}}
		
			20
			
			,
	year={2010}
		
	

}

@book{b14,
	
	
		,
	title={{The Economics of Money, Banking, and Financial Markets. Addison-Wesley series in economics}}
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	author={{
			Mishkin
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			,
	year={2001}
		
	

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@incollection{b15,
	
	
		,
	title={{An Empirical Analysis of the Off-Balance Sheet Activities of Indian Banks}}
		,
	author={{
			DNachane
		} and {
			SGhosh
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		,
	journal={{Journal of Emerging Market Finance}}
		
			6
			
			,
	year={2007}
		
	

}

@incollection{b16,
	
	
		,
	title={{Determinants of Bank Performance: Viewing Test by Cognitive Mapping Technique a case of Biat}}
		,
	author={{
			GNassreddine
		} and {
			SFatma
		} and {
			JAnis
		}}
		
		
	
	
		,
	journal={{International Review of Management and Business Research}}
		
			2
			1
			2035
			,
	year={2013}
		
	

}

@book{b17,
	
	
		,
	title={{report of various times accessed at www.nbe.gov.et 19. National Bank of Ethiopia various Directives accessed at www. nbe.gov.et: Directives}}
		SBB27/01
		
		
			National Bank of Ethiopia Annual
		
	

}

@incollection{b18,
	
	
		,
	title={{Determinants of financial performance of commercial banks in Kenya}}
		,
	author={{
			VOngore
		}}
	
	
		,
	journal={{International Journal of Economics and Financial Issues}}
		
			3
			1
			
			,
	year={2011}
		
	

}

@incollection{b19,
	
	
		,
	title={{Lending Structure and Bank Insolvency Risk: A Comparative Study between Islamic and Conventional Banks}}
		,
	author={{
			AisyahRahman
		} and {
			Abdul
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			IbrahimMansor
		} and {
			Meera
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	journal={{Journal of Business & Policy Research}}
		
			4
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			,
	year={2009}
		
	
	,
	note={Ahamad Kameel Mydin}

}

@incollection{b20,
	
	
		,
	title={{Non-traditional Activities and the Efficiency}}
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	author={{
			ERogers
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	journal={{Journal of Banking and Finance}}
		
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			,
	year={1998}
		
	

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@book{b21,
	
	
		,
	title={{Bank Management and Financial Services, 8e}}
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	author={{
			PRose
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	editor={McGraw Hill/Irwin. Rosse, J. and J. Panzar}
		
			,
	year={2010. 1977}
		
	

}

@book{b22,
	
	
		,
	title={{Chamberlin vs. Robinson, an Empirical Test for Monopoly}}
		
	

}

@incollection{b23,
	
	
		,
	title={{Performance and Financial Ratios of Commercial Banks in Malaysia and China}}
		,
	author={{
			RMSaid
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			MHTumin
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	journal={{International Review of Business Research Papers}}
		
			7
			2
			
			,
	year={2011}
		
	

}

@incollection{b24,
	
	
		,
	title={{Performance of interest-free Islamic banks vis-a-vis interest-based conventional banks of Bahrain}}
		,
	author={{
			ASamad
		}}
	
	
		,
	journal={{Journal of Economics and Management}}
		
			12
			2
			
			,
	year={2004}
		
	

}