Abstract ..........................................................................................Error! Bookmark not defined.

Keywords:- .....................................................................................Error! Bookmark not defined.

1. Introduction ................................................................................Error! Bookmark not defined.
1.2 Purpose of the Study ............................................................Error! Bookmark not defined.
1.2.1 Problem Statement ........................................................Error! Bookmark not defined.
1.2.2 Statistical Hypothesis ....................................................Error! Bookmark not defined.
1.2.3 Research Questions .......................................................Error! Bookmark not defined.
1.3 Objectives of the Study ........................................................Error! Bookmark not defined.
1.4 Significance of the study......................................................Error! Bookmark not defined.
1.4.1Theoretical implication ..................................................Error! Bookmark not defined.
1.4.2 Practical implication .....................................................Error! Bookmark not defined.
1.4.3Delimitation of the Study ...............................................Error! Bookmark not defined.
2. Literature Review.......................................................................Error! Bookmark not defined.
2.1Return on assets ....................................................................Error! Bookmark not defined.
2.2 Return on equity...................................................................Error! Bookmark not defined.
2.3Deposits to assets ratio ..........................................................Error! Bookmark not defined.
2.4Net interest margin (NIM) ....................................................Error! Bookmark not defined.
2.5Non-performing loans ...........................................................Error! Bookmark not defined.
2.6Capital ratio ...........................................................................Error! Bookmark not defined.
3. Methodology ..............................................................................Error! Bookmark not defined.

3.1 Population ............................................................................Error! Bookmark not defined.

3.2 Sample..................................................................................Error! Bookmark not defined.
3.3 Data sources .........................................................................Error! Bookmark not defined.
3.4 Statistical Techniques and Tools .........................................Error! Bookmark not defined.
3.4 Conceptual Framework ........................................................Error! Bookmark not defined.
3.5 Empirical Model ..................................................................Error! Bookmark not defined.
3.6Empirical Hypothesis ............................................................Error! Bookmark not defined.
3.7 Constructs ............................................................................Error! Bookmark not defined.
3.7.1 Return on Equity (ROE) ...............................................Error! Bookmark not defined.
3.7.2 Return on Assets (ROA) ...............................................Error! Bookmark not defined.
3.7.3 Loans to deposits ratio (LDR).......................................Error! Bookmark not defined.
3.7.4 Net Interest Margin .......................................................Error! Bookmark not defined.
3.7.5 Non-performing loans ...................................................Error! Bookmark not defined.
3.7.6 Capital Ratio .................................................................Error! Bookmark not defined.
4. Results and Discussions .............................................................Error! Bookmark not defined.
4.1 Descriptive ...............................................................................Error! Bookmark not defined.
4.2 Correlation ...............................................................................Error! Bookmark not defined.
4.3 Regression ................................................................................Error! Bookmark not defined.
4.3.1 Estimated Regression equations ...................................Error! Bookmark not defined.

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5 Conclusions and Recommendations .......................................Error! Bookmark not defined.

5.1 Conclusions ..............................................................................Error! Bookmark not defined.
5.2 Recommendations ....................................................................Error! Bookmark not defined.
References ......................................................................................Error! Bookmark not defined.

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