Dataset for financial inclusion and stability in Ethiopia case

This dataset examines financial inclusion and bank stability in Ethiopia, containing panel data from 17 commercial banks over the period 2015-2023. In 2015, there were 17 commercial banks in Ethiopia but to maintain confidentiality, the names of commercial banks have been anonymized and are referred to by generic labels: 1, 2, 3, 4..., and 17. This process allows the dataset to be analyzed and shared openly in support of reproducibility and transparency in research.<b>Variables</b><b><i>Bank Stability (ZS):</i></b> Computed using the Z-score to measure stability.<b><i>Financial Inclusion Index (IFI):</i></b> Developed using two-stage Principal Component Analysis (PCA) with 10 conventional and 5 digital indicators.<b><i>Loan to Deposit Ratio (LDR):</i></b> Computed based on the loan to deposit ratio.<b><i>Provision to Loan (PL):</i></b> Computes the loan loss provision ratio.<b><i>Natural Logarithm of Total Assets (lnTA):</i></b> Logarithmic form of total assets.<b><i>Capital Adequacy Ratio (CAR):</i></b> Computed by Tier-1 capital and Tier-2 capital divided by risk-weighted assets.<b><i>Income Diversification (IND):</i></b> Computed based on the non-interest income to total income ratio.<b><i>Operational Efficiency Management (EF):</i></b> Measured using Data Envelopment Analysis (DEA) with five input variables (salary and benefits, provisions, general expenses, branches, and deposits) and two output variables (net interest income and non-interest income).<b><i>Real Lending Interest Rate (RLIR):</i></b> Inflation-adjusted interest rate.<b><i>GDP Growth Rate (GDP):</i></b> Annual percentage change in GDP.This dataset provides comprehensive insights into the relationships between financial inclusion and bank stability, supporting future research and policy formulation.<br><br>

本数据集聚焦埃塞俄比亚的金融普惠与银行稳定性研究，涵盖2015-2023年间17家商业银行的面板数据。2015年埃塞俄比亚境内共有17家商业银行，为保护研究对象隐私，所有商业银行名称均已完成匿名化处理，以通用编号1至17作为指代标识。该匿名化处理流程可使本数据集被公开分析与共享，从而为研究的可重复性与透明度提升提供支撑。<b>变量</b><b><i>银行稳定性（Z-score，ZS）：</i></b>通过Z值法计算得出，用于衡量银行稳定性水平。<b><i>金融普惠指数（IFI）：</i></b>采用两阶段主成分分析法（Principal Component Analysis，PCA）构建，纳入10项传统指标与5项数字化指标。<b><i>存贷比（LDR）：</i></b>基于存贷比计算得到。<b><i>贷款拨备率（PL）：</i></b>以贷款损失拨备与贷款总额的比值计算得出。<b><i>总资产自然对数（lnTA）：</i></b>总资产的对数形式。<b><i>资本充足率（CAR）：</i></b>由一级资本（Tier-1 capital）与二级资本（Tier-2 capital）之和除以风险加权资产计算得到。<b><i>收入多元化程度（IND）：</i></b>基于非利息收入占总营业收入的比例计算得出。<b><i>运营效率管理水平（EF）：</i></b>采用数据包络分析法（Data Envelopment Analysis，DEA）测算，选取5项投入变量（薪酬与福利、拨备支出、一般性管理费用、分支机构数量与存款总额）与2项产出变量（净利息收入与非利息收入）。<b><i>实际贷款利率（RLIR）：</i></b>经通货膨胀调整后的贷款利率。<b><i>GDP增长率（GDP）：</i></b>国内生产总值的年度百分比变化率。本数据集可为金融普惠与银行稳定性之间的关联关系提供全面的研究视角，助力后续学术研究与政策制定工作。