CHALLENGES IN E- BANKING SERVICES AND ITS IMPACT ON PROFITABILITY OF PUBLIC SECTOR BANK IN ETHIOPIA

E-banking is the most recent delivery channel of banking services in developing nations. The objectives of the paper is tried to address the challenges in E-banking Services and its impact on the profitability of the Public Sector Bank in Ethiopia particularly Commercial Bank of Ethiopia (CBE) before and after introduction of e-banking services . To meet this objective, a stratified-random sampling design was used. Data were collected both from primary and secondary sources. The primary data were collected from e-banking customers of the seven Dessie town branches and the secondary data were collected from the banks financial statement and analyzed to see the relationship between e-banking service and profitability of CBE. Finally, presentation and appraisal was illustrated in simple descriptive statistics, relative ranking score and t test. This paper highlights that the e-banking services has any impact on the profitability of CBE in terms of three financial performance indicators of ROA, ROE and, NIM