@incollection{,
	
					
					
					D707EC03F0B1A7296ADCDDC96CEE7196
				,
	author={{Janaki SamuelThevaruban} and {Vavuniya Campus of the University of Jaffna}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1761523
}

@book{b0,
	
	
		,
	title={{Determinants of Financial Performance: An Empirical Study on Ethiopian Coo mercial Banks}}
		,
	author={{
			TAbebe
		}}
		
			,
	year={2014}
			,
	address={Ethiopia}
		
		
			Unpublished MBA Project. Emma. University
		
	

}

@incollection{b1,
	
	
		,
	title={{Determinants of Commercial Banks' Profitability Panel Evidence from Nigeria}}
		,
	author={{
			S0Adeusi
		} and {
			FTKolapo
		} and {
			AAluko
		}}
		
		
	
	
		,
	journal={{International Journal of Economics}}
		
			2
			12
			
			,
	year={2014}
		
	
	,
	note={Commerce and Management}

}

@book{b2,
	
	
		,
	title={{Determinants of ComMercial Banks Profitability: The Case of Ethiopian Commercial Banks}}
		,
	author={{
			SAlemu
		}}
		
			,
	year={2015}
			,
	publisher={Addis Ababa University}
		
	
	,
	note={Unpublished MBA Thesis}

}

@incollection{b3,
	
	
		,
	title={{Determinants of the Managerial Behavior of Agency Cost and Its Influential Extent on Performance: A Study in Iraq}}
		,
	author={{
			MMAlfadhl
		} and {
			TYAlabdullah
		}}
		
	
	
		,
	journal={{International Journal o Humanities and Social Science}}
		
			3
			6
			
			,
	year={2013}
		
	

}

@incollection{b4,
	
	
		,
	title={{The Determinants of the Jordanian's Banks Profitability: A Cointegration Approach}}
		,
	author={{
			IMAl-Jaitah
		} and {
			KNZiadat
		} and {
			SYEl-Rimawi
		}}
		
		
	
	
		,
	journal={{Jordan Journal of Business Administration}}
		
			6
			2
			
			,
	year={2010}
		
	

}

@incollection{b5,
	
	
		,
	title={{Bank Specific Determinants of Profitability in Jordan}}
		,
	author={{
			AMAlkhazaleh
		} and {
			M&almsafir
		}}
		
	
	
		,
	journal={{Journal of Advanced Social Research}}
		
			4
			10
			
			,
	year={2014}
		
	

}

@incollection{b6,
	
	
		,
	title={{Determinants of Banks' Profitability in a Developing Economy: Empirical Evidence from Tanzania}}
		,
	author={{
			ZAlly
		}}
	
	
		,
	journal={{European Journal of Business and Management}}
		
			6
			31
			
			,
	year={2014}
		
	

}

@incollection{b7,
	
	
		,
	title={{Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey}}
		,
	author={{
			DAlper
		} and {
			AAnbar
		}}
		
	
	
		,
	journal={{Business and Economics Research Journal}}
		
			2
			2
			
			,
	year={2011}
		
	

}

@book{b8,
	
	
		,
	title={{Factors Influencing Profitability of Islamic Banking in Kenya: Case of Gulf African Bank}}
		,
	author={{
			MAnwar
		}}
		
			,
	year={2014}
		
		
			Unpublished MBA Project. Kabarak University
		
	

}

@incollection{b9,
	
	
		,
	title={{Determinants of Know Your Customer (KYC) Compliance among Commercial Banks in Kenya}}
		,
	author={{
			RArasa
		} and {
			LOttichilo
		}}
		
	
	
		,
	journal={{Journal of Economics and Behavioral Studies}}
		
			7
			2
			
			,
	year={2015}
		
	

}

@book{b10,
	
	
		,
	title={{Bank-Specific, Industry-Specific and Macroeconomic Determinants of Bank Profitability. Working Paper No. 25}}
		,
	author={{
			PPAthanasoglou
		} and {
			SNBrissimis
		} and {
			MDDelis
		}}
		
		
		
			,
	year={2005}
		
		
			Economic Research Department, Bank of Greece
		
	

}

@incollection{b11,
	
	
		,
	title={{Determinants of Banks' Profitability in a Developing Economy: Evidence from Nigerian Banking Industry}}
		,
	author={{
			AMAyanda
		} and {
			IC &Ekpo
		} and {
			AMMustapha
		}}
		
		
	
	
		,
	journal={{Interdisciplinary Journal of Contemporary Research in Business}}
		
			4
			9
			
			,
	year={2013}
		
	

}

@book{b12,
	
	
		,
	title={{The Determinants of Profitability of the Commercial Banks in Ghana during the Recent Years of Global Financial Crisis}}
		,
	author={{
			WBentum
		}}
		
			,
	year={2012}
		
		
			Aarhus University
		
	
	,
	note={Master Thesis}

}

@book{b13,
	
	
		,
	title={{Signaling Theory and Voluntary Disclosure to the Financial Market: Evidence from the Profitability Indicators}}
		,
	author={{
			LBini
		} and {
			FDainelli
		} and {
			FGiunta
		}}
		
		
		
			,
	year={2011. April 2011}
			
			,
	address={Rome}
		
	
	,
	note={Published in the Annual Report. Paper presented at the 34th EAA Annual Congress}

}

@book{b14,
	
	
		,
	title={{Deteiminants of CoMMerCial Banks. Profitability: An Ernpirk,a1 Evidence from the Commercial Banks of Ethiopia. Unpublished MBA Project}}
		,
	author={{
			TABithariu
		}}
		
			,
	year={2012}
			,
	publisher={Addis Ababa University}
		
	

}

@incollection{b15,
	
	
		,
	title={{Customer Service Improvement Strategies at CFCStanbic Bank Kenya Limited}}
		,
	author={{
			ANBuchichi
		}}
	
	
		,
	journal={{International Journal of Social Sciences and Project Planning Management}}
		
			1
			1
			
			,
	year={2013}
		
	

}

@incollection{b16,
	
	
		,
	title={{The Determinants of Commercial Banks Profitability in Zimbabwe}}
		,
	author={{
			TChinoda
		}}
	
	
		,
	journal={{IOSR Journal of Economics and Finance}}
		
			5
			6
			
			,
	year={2014. 2009-2014}
		
	

}

@book{b17,
	
	
		,
	author={{
			R&Cooper
		} and {
			PSchindler
		}}
		
		,
	title={{Business Research Methods}}
				New York
		
			,
	publisher={McGrawHill Publishers}
			,
	year={2007}
		
	

}

@incollection{b18,
	
	
		,
	title={{Does Regulatory Supervision Curtail Microfmance Profitability and Outreach? Policy Research Working Paper 4748. The World Bank Cytorm Investments}}
		,
	author={{
			RCull
		} and {
			ADemirgilc-Kunt
		} and {
			JMorduch
		}}
		
		
	
	
		,
	booktitle={{Cytorm Investments}}
				
			,
	year={2009. 2015. June, 2015}
		
	
	,
	note={Kenya Listed Commercial Banks, Cytonn Q1 Banking Sector Report -Abridged Version 29 th}

}

@book{b19,
	
	
		,
	title={{The CAMEL Rating System in Banking Supervision: a Case Study}}
		,
	author={{
			UDang
		}}
		
			,
	year={2011}
		
		
			Arcada University. of Applied Sciences
		
	
	,
	note={Unpublished MBA Thesis}

}

@incollection{b20,
	
	
		,
	title={{Meta Analysis on the Determinants of Commercial Bank's Profitability: (A Conceptual Frame Work and Modeling)}}
		,
	author={{
			FLFisseha
		}}
	
	
		,
	journal={{European Scientific Journal}}
		
			11
			19
			
			,
	year={2015}
		
	

}

@book{b21,
	
	
		,
	title={{The Determinants of Commercial Bank Profitability in Sub-Saharan Africa}}
		,
	author={{
			VFlamini
		} and {
			VMcdonald
		} and {
			LSchumacher
		}}
		
		
		09/15
		
			,
	year={2009}
			,
	publisher={International Monetary Fund}
		
	
	,
	note={IMF Working Paper}

}

@book{b22,
	
	
		,
	title={{Educational Research: An Introduction}}
		,
	author={{
			MDGall
		} and {
			JPGall
		} and {
			WRBorge
		}}
		
		
		
			,
	year={2006}
			,
	publisher={Pearson}
			,
	address={New York}
		
	
	,
	note={th}

}

@incollection{b23,
	
	
		,
	title={{Ownership Structure and Firm Profitability}}
		,
	author={{
			EGedajlovic
		} and {
			DMShapiro
		}}
		
	
	
		,
	journal={{Japan. Academy of Management Journal}}
		
			45
			2
			
			,
	year={2002}
		
	

}

@incollection{b24,
	
	
		,
	title={{Effects of Macroeconomic Variables on Credit Risk in the Kenyan Banking System}}
		,
	author={{
			KWGitonga
		}}
	
	
		,
	journal={{International Journal of Business and Commerce}}
		
			3
			9
			
			,
	year={2014}
		
	

}

@incollection{b25,
	
	
		,
	title={{Determinants of the Profitability of the US Banking Industry}}
		,
	author={{
			PSHoffmann
		}}
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			2
			22
			
			,
	year={2011}
		
	

}

@incollection{b26,
	
	
		,
	title={{Capital Structure and Profitability of Nigerian Quoted Firms: The Agency Cost Theory Perspective}}
		,
	author={{
			LCIshaya
		} and {
			BOAbdulicleel
		}}
		
	
	
		,
	journal={{American International Journal of Social Science}}
		
			3
			1
			
			,
	year={2014}
		
	

}

@incollection{b27,
	
	
		,
	title={{Management Efficiency and Profitability in Indian Automobile Industry: From Theory to Practice}}
		,
	author={{
			AHJamali
		} and {
			AAsad
		}}
		
	
	
		,
	journal={{Indian Journal of Science and Technology}}
		
			5
			5
			
			,
	year={2012}
		
	

}

@incollection{b28,
	
	
		,
	title={{Factors Influencing Credit Rationing by Commercial' Banks in Kenya}}
		,
	author={{
			CJKimutai
		} and {
			AJagongo
		}}
		
	
	
		,
	journal={{International Journal of Humanities and Social Science}}
		
			3
			20
			
			,
	year={2013}
		
	

}

@incollection{b29,
	
	
		,
	title={{The Determinants of Banks' Profits in Greece during the Period of EU Financial Integration}}
		,
	author={{
			KKosmidou
		}}
	
	
		,
	journal={{Managerial Tinance}}
		
			34
			3
			
			,
	year={2008}
		
	

}

@book{b30,
	
	
		,
	title={{Determinants of Profitability of Domestic UK Commercial Banks: Panel Evidence from the Period 1995-2002. (Economics, Finance and Accounting applied research worldng paper series no. RPOS-4)}}
		,
	author={{
			KKosmidou
		} and {
			STanna
		} and {
			FPasiouras
		}}
		
		
		
			,
	year={2008}
			,
	address={Coventry}
		
		
			Coventry University
		
	

}

@book{b31,
	
	
		,
	title={{An Evaluation of the Factors Affecting Profitability of Commercial Banks in Kenya}}
		,
	author={{
			SMKyalo
		}}
		
			,
	year={2013}
		
		
			Unpublished MBA Project. Moi University
		
	

}

@incollection{b32,
	
	
		,
	title={{Determinants of Profitability of Listed Commercial Banks in Developing Countries: Evidence from Malawi}}
		,
	author={{
			AMLipunga
		}}
	
	
		,
	journal={{Researdi Journal of Finance and Accounting}}
		
			5
			6
			
			,
	year={2014}
		
	

}

@incollection{b33,
	
	
		,
	title={{Influence of Interest Rates Determinants on the Performance of Commercial Banks in Kenya}}
		,
	author={{
			CMaigua
		} and {
			GMouni
		}}
		
	
	
		,
	journal={{international Journal of Academic Research in Accounting, Finance and Management Sciences}}
		
			6
			2
			
			,
	year={2016}
		
	

}

@incollection{b34,
	
	
		,
	title={{Efficient Structure versus Market Power: Theories and Empirical Evidence}}
		,
	author={{
			SMensi
		} and {
			AZouari
		}}
		
	
	
		,
	journal={{International Journal of Economics and Finance}}
		
			2
			4
			
			,
	year={2010}
		
	

}

@incollection{b35,
	
	
		,
	title={{The Role of Debt in Reducing Agency Cost: Empirical Evidence from Pakistan}}
		,
	author={{
			SNMian
		} and {
			KSHaris
		} and {
			MNMuhammad
		}}
		
		
	
	
		,
	journal={{Innova Ciencia}}
		
			4
			5
			
			,
	year={2012}
		
	

}

@incollection{b36,
	
	
		,
	title={{The Effect N . Market Power '(_m Stability and Performance of Islamic and Conventional Banks}}
		,
	author={{
			AMiriaei
		}}
	
	
		,
	journal={{Islamic Economic Studies}}
		
			18
			1 & 2
			
			,
	year={2012}
		
	

}

@incollection{b37,
	
	
		,
	title={{The Effects of Alternative Banking Channels on Profitability of Commercial Banks-Case of the Co-Operative Bank of Kenya}}
		,
	author={{
			H0Mukhongo
		} and {
			CMaokornba
		} and {
			DMusiega
		}}
		
		
	
	
		,
	journal={{The International Journal of Engineering and Science}}
		
			3
			3
			
			,
	year={2014}
		
	

}

@book{b38,
	
	
		,
	title={{An Empirical Analysis on the Practice and Determinants of Risk Disclosure in an Emerging Capital Market: The Case of United Arab Emirates}}
		,
	author={{
			AMuzahern
		}}
		
			,
	year={2011}
		
		
			Unpublished MBA Thesis. University of Portsmouth
		
	

}

@book{b39,
	
	
		,
	title={{The Determinants of Commercial Banks Profitability in India}}
		,
	author={{
			TNagaraju
		}}
		
			,
	year={2013}
			838
		
		
			School of Economics, University of Hyderabad
		
	
	,
	note={Electronic copy available at}

}

@incollection{b40,
	
	
		,
	title={{Banks Performance in Ghana}}
		,
	author={{
			PKNkegbe
		} and {
			UYazidu
		}}
		
	
	
		,
	journal={{Trends and Determinants. Global Journal of Development Studies}}
		
			12
			2
			
			,
	year={2015}
		
	

}

@incollection{b41,
	
	
		,
	title={{Factors Affecting Performance of Commercial Banks in Uganda: A Case for Domestic Commercial Banks}}
		,
	author={{
			KFNsambu
		}}
	
	
		,
	booktitle={{Proceedings of 25th International Business Research Conference 13}}
				25th International Business Research Conference 13Cape Town, South Africa
		
			,
	year={2014. 14 January, 2014}
		
	
	,
	note={Taj Hotel}

}

@incollection{b42,
	
	
		,
	title={{A Financial Performance Comparison of Foreign VS Local Banks in Ghana}}
		,
	author={{
			GMNtow
		} and {
			AELaryea
		}}
		
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			3
			21
			
			,
	year={2012}
		
	

}

@book{b43,
	
	
		,
	title={{Determinants of Banks' Profitability in a Developing Economy: Evidence from Nigeria. Organizations and Markets in Emerging Economies}}
		,
	author={{
			TMObarnuyi
		}}
		
			,
	year={2013}
			4
			
		
	

}

@incollection{b44,
	
	
		,
	title={{Credit Capital Adequacy and Operating Efficiency of Commercial Banks in Kenyl}}
		,
	author={{
			ROdunga
		} and {
			M_
		} and {
			PMNyangweso
		} and {
			DACarter
		} and {
			MMwarumba
		}}
		
		
		
		
	
	
		,
	journal={{International Journal of Business and Management Invention}}
		
			2
			9
			
			,
	year={2013}
		
	

}

@incollection{b45,
	
	
		,
	title={{Basel Accords on Risk Management: A Survey of Kenya's Commercial Banks}}
		,
	author={{
			Omondi
		}}
	
	
		,
	journal={{Journal of Global Economics}}
		
			3
			164
			
			,
	year={2015}
		
	

}

@incollection{b46,
	
	
		,
	title={{Determinants of Financial Performance of Commercial Banks in Kenya}}
		,
	author={{
			OOngore
		} and {
			GBKusa
		}}
		
	
	
		,
	journal={{International Journal of Economics and Financial Issues}}
		
			3
			1
			237252
			,
	year={2013}
		
	

}

@incollection{b47,
	
	
		,
	title={{The Analysis of Profitability of Kenya's Top Six Commercial Banks: Internal Factor Analysis}}
		,
	author={{
			SMOnuonga
		}}
	
	
		,
	journal={{American International Journal of Social Science}}
		
			3
			5
			
			,
	year={2014}
		
	

}

@incollection{b48,
	
	
		,
	title={{Influence of exchange rate determinants on the performance of commercial banks in Kenya}}
	
	
		,
	journal={{European Journal of Management Sciences and Economics}}
		,
	editor={Otuori, 0. H.}
		
			1
			2
			
			,
	year={2013}
		
	

}

@book{b49,
	
	
		,
	title={{What Determines the Profitability of Banks?}}
		,
	author={{
			ATPonce
		}}
		
			,
	year={2011}
		
		
			Evidence from Spain. Pablo de Olavide University
		
	

}

@book{b50,
	
	
		,
	title={{The Profit-Structure Relationship and Mergers in the European Banking Industry: An Empirical Assessment}}
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	author={{
			LWPunt
		} and {
			MC JRooij
		}}
		
		
			,
	year={2001}
			,
	publisher={De Nederlandsehe Bank}
			4
		
	

}

@book{b51,
	
	
		,
	title={{Analysis of Profitability Determinants: Empirical Evidence of Commercial Banks in the New}}
		,
	author={{
			ARoman
		} and {
			ITomuleasa
		}}
		
		
			,
	year={2013}
			,
	address={Romania}
		
		
			EU Member States. University of Iasi
		
	

}

@incollection{b52,
	
	
		,
	title={{Assessment of the Relationship between Interest Rate Spread and Performance of Commercial Banks Listed in Nairobi Securities Exchange}}
		,
	author={{
			BKRono
		} and {
			LKWachilonga
		} and {
			RSSimiyu
		}}
		
		
	
	
		,
	journal={{International Journal of Financial Economics}}
		
			3
			2
			
			,
	year={2014}
		
	

}

@incollection{b53,
	
	
		,
	title={{Factors Affecting the Profitability of Malaysian Commercial Banks}}
	
	
		,
	journal={{African Journal of Business Management}}
		,
	editor={1. San, 0. T. & Heng, T. B.}
		
			7
			8
			
			,
	year={2013}
		
	

}

@incollection{b54,
	
	
		,
	title={{Determinants of the profitability of the U.S bankiiii industry}}
		,
	author={{
			PHSaona
		}}
	
	
		,
	journal={{International Journal of Business and Science}}
		
			2
			22
			
			,
	year={2011}
		
	

}

@book{b55,
	
	
		,
	title={{Determinants of Commercial Banks Profitability in Kenya}}
		,
	author={{
			SCS Awe
		}}
		
			,
	year={2011}
		
		
			MA (Econ.) Project. University of Nairobi
		
	

}

@incollection{b56,
	
	
		,
	title={{Banking Profitability Determinants}}
		,
	author={{
			JWScott
		} and {
			JCArias
		}}
		
	
	
		,
	journal={{Business Intelligence Journal}}
		
			4
			2
			
			,
	year={2011}
		
	

}

@incollection{b57,
	
	
		,
	title={{Factors Affecting Bank Profitability in Pakistan}}
		,
	author={{
			GSehrish
		} and {
			IFaiza
		} and {
			ZKlialid
		}}
		
		
	
	
		,
	journal={{The Romanian Economic Journal}}
		
			14
			39
			
			,
	year={2011}
		
	

}

@incollection{b58,
	
	
		,
	title={{The Determinants of European Bank Profitability}}
		,
	author={{
			CKStaikouras
		} and {
			GEWood
		}}
		
	
	
		,
	journal={{International Business & Economics Research Journal}}
		
			3
			
			,
	year={2011}
		
	

}

@incollection{b59,
	
	
		,
	title={{Determinants of Commercial Banks Profitability: Empirical Evidence from Pakistan}}
		,
	author={{
			WTarig
		} and {
			UMuhammad
		} and {
			ZHaseeb
		} and {
			AInarn
		} and {
			AImran
		}}
		
		
		
		
	
	
		,
	journal={{International Journal of Accounting and Financial Reporting}}
		
			4
			2
			
			,
	year={2014}
		
	

}

@incollection{b60,
	
	
		,
	title={{Factors influencing Financial Performance of Commercial Banks in Kenya-A Case Study of National Bank of Kenya Coast Region}}
		,
	author={{
			MWTsuma
		} and {
			LGichinga
		}}
		
	
	
		,
	journal={{The International Journal of Business & Management}}
		
			4
			4
			
			,
	year={2016}
		
	

}

@incollection{b61,
	
	
		,
	title={{Impact of Strategic Response to Change on Financial Performance of Commercial Bank in Kenya}}
		,
	author={{
			KWanjiru
		} and {
			ANjeru
		}}
		
	
	
		,
	journal={{International Journal of Social Sciences and Entrepreneurship}}
		
			1
			13
			
			,
	year={2014}
		
	

}