Agency banking and financial performance of commercial banks: a case study of Stanbic Bank Mukono Branch, Uganda
| dc.contributor.author | Winnifred Atimango | |
| dc.date.accessioned | 2026-08-13T09:19:34Z | |
| dc.date.available | 2026-08-13T09:19:34Z | |
| dc.date.issued | 2026-05-15 | |
| dc.description | Undergraduate | |
| dc.description.abstract | The study aimed at establishing the impact of agency banking on the financial performance of commercial banks through the case study of Stanbic Bank Uganda Limited, Mukono Branch. The study was driven by the following objectives: To establish the impact of network expansion of agency banking on financial performance; To determine the impact of transaction volumes on financial performance, and To establish the impact of operating costs of agency banking on financial performance. The study adopted an explanatory research design that incorporated both qualitative and quantitative techniques. The study population consisted of 80 respondents drawn from the branch employees, agency bankers, and customers of Stanbic Bank Uganda Limited, Mukono Branch. It was found that all the three variables of agency banking had significant effects on financial performance. The variable of network expansion had a high positive correlation with financial performance (r = 0.652, p < 0.01), which was mainly achieved through greater mobilization ofdeposits (mean = 4.35) and acquisition of customers in peri-urban and rural areas (mean = 4.40). Transaction volumes were found to be the best predictor because they showed the highest positive correlation (r = 0.711, p < 0.01) and highest standardized beta coefficient (β = 0.471, p <0.01). The participants strongly concurred that high transaction volumes result in high fee-based incomes (mean = 4.45) and increases in deposit growth (mean = 4.30). Conclusion: Agency banking significantly improves financial performance, but the most important determinant is transaction volumes, followed by network expansion. Although operational costs have negative effects on performance, they are strategic investments for sustainable development. | |
| dc.identifier.uri | https://hdl.handle.net/20.500.12311/3509 | |
| dc.language.iso | en | |
| dc.publisher | Uganda Christian University | |
| dc.title | Agency banking and financial performance of commercial banks: a case study of Stanbic Bank Mukono Branch, Uganda | |
| dc.type | Dissertation |