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Factors affecting the financial performance of Nepalese commercial banks / Sanjit Thapa
Title : Factors affecting the financial performance of Nepalese commercial banks Material Type: printed text Authors: Sanjit Thapa, Author Publication Date: 2015 Pagination: 70p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilogarphy Languages : English Descriptors: Banks
Banks and banking
Financial statements
NepalKeywords: 'return on assets return on equity net interest margin banks' Class number: 658.15 Abstract: The financial performance evaluation issues are still unsolved in the context of Nepal. Identification of banks’ financial performance and factors shaping the performance of bank is crucial for the Nepalese commercial banks. The major objective of this study is to analyze the factor that affect the financial performance of Nepalese commercial banks.
In the literature reviews, this study has proposed the conceptual framework having return on assets, return on equity and net interest margin are the dependent variables which are used for evaluating the financial performance of commercial banks in Nepal. The other specific objectives of this study were to analyze the relationship between dependent variables with bank liquidity, bank size, market profit opportunity, cost inefficiency, GDP and inflation.
This study is based on secondary data. For the purpose of study 17 commercial banks for the period of 2005 through 2013 are divided into three strata (joint-venture, public and private banks) is taken as sample. Likewise, multiple regression analysis and correlation analysis are used to examine the relationship between bank’s financial performances.
The study reveals that there are some of the variables that are found to have positive and negative significant relationship with the financial performance of banks in various contexts.Factors affecting the financial performance of Nepalese commercial banks [printed text] / Sanjit Thapa, Author . - 2015 . - 70p. ; GRP/Thesis + 5/B.
Including bibilogarphy
Languages : English
Descriptors: Banks
Banks and banking
Financial statements
NepalKeywords: 'return on assets return on equity net interest margin banks' Class number: 658.15 Abstract: The financial performance evaluation issues are still unsolved in the context of Nepal. Identification of banks’ financial performance and factors shaping the performance of bank is crucial for the Nepalese commercial banks. The major objective of this study is to analyze the factor that affect the financial performance of Nepalese commercial banks.
In the literature reviews, this study has proposed the conceptual framework having return on assets, return on equity and net interest margin are the dependent variables which are used for evaluating the financial performance of commercial banks in Nepal. The other specific objectives of this study were to analyze the relationship between dependent variables with bank liquidity, bank size, market profit opportunity, cost inefficiency, GDP and inflation.
This study is based on secondary data. For the purpose of study 17 commercial banks for the period of 2005 through 2013 are divided into three strata (joint-venture, public and private banks) is taken as sample. Likewise, multiple regression analysis and correlation analysis are used to examine the relationship between bank’s financial performances.
The study reveals that there are some of the variables that are found to have positive and negative significant relationship with the financial performance of banks in various contexts.Hold
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Barcode Call number Media type Location Section Status 82/D 658.15 THA Thesis/Dissertation Uniglobe Library Technology Available Factors affecting the probability of Nepalese commercial banks / Sandesh Dangol
Title : Factors affecting the probability of Nepalese commercial banks Material Type: printed text Authors: Sandesh Dangol, Author Publication Date: 2013 Pagination: 83p. Size: GRP/Thesis Accompanying material: 1/B General note: Including bibliography
Languages : English Descriptors: Banks
Banks and banking
Commercial banks
ProbabilityKeywords: 'probability banks bank and banking commercial banks sandesh dangol' Class number: 371.291 Abstract: Although there are several evidences for determining the profitability, the issues relating to profitability are still unsolved. Identification of the factors that determines the profitability is important for all the stakeholders and is even more crucial in developing country like Nepal for the economic development. The major objective of this study is to analyze the factors that determine the profitability of commercial banks of Nepal along with the empirical relationship between them. For the purpose of study, 12 listed commercial banks are taken as sample and required data such as Overhead costs, Equity capital, Bank loan, Bank size, Non interest earning assets, Inflation and Gross domestic product are collected from various secondary sources for period of 10 years i.e. 2002 to 2011. Three measurements of profitability are used for the studies which are Return on assets, Return on equity and Net interest margin. Primary questionnaire survey is also conducted in order to assess the opinions of bank’s manager on Nepalese commercial banks’ determinants. Descriptive statistics, univariate (correlation and portfolio) analysis and regression analysis are used to show the relationship between the bank’s profitability and its determinants.
The result of secondary data analysis shows that Overhead, Bank loan, Bank size, Equity capital, Non interest earning assets, Trend and Gross domestic product have significant relationship with the profitability of commercial banks of Nepal whereas Inflation only has no significant relationship with the commercial banks of Nepal. Among them only, bank loan has been the most powerful variable for determining the profitability of banks. In contradiction to the findings of the secondary data, the primary survey also reveals that bank loan is the most powerful factor for determining the profitability followed by equity capital and bank size.
The major limitation of the study is that it has included 12 banks as a sample from 32 sized population and only seven variables are taken into consideration for study. Although there are limitations, the findings have significant result which can help to those who want to make further study including these variables in determining profitability of commercial banks in Nepal.
Factors affecting the probability of Nepalese commercial banks [printed text] / Sandesh Dangol, Author . - 2013 . - 83p. ; GRP/Thesis + 1/B.
Including bibliography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
ProbabilityKeywords: 'probability banks bank and banking commercial banks sandesh dangol' Class number: 371.291 Abstract: Although there are several evidences for determining the profitability, the issues relating to profitability are still unsolved. Identification of the factors that determines the profitability is important for all the stakeholders and is even more crucial in developing country like Nepal for the economic development. The major objective of this study is to analyze the factors that determine the profitability of commercial banks of Nepal along with the empirical relationship between them. For the purpose of study, 12 listed commercial banks are taken as sample and required data such as Overhead costs, Equity capital, Bank loan, Bank size, Non interest earning assets, Inflation and Gross domestic product are collected from various secondary sources for period of 10 years i.e. 2002 to 2011. Three measurements of profitability are used for the studies which are Return on assets, Return on equity and Net interest margin. Primary questionnaire survey is also conducted in order to assess the opinions of bank’s manager on Nepalese commercial banks’ determinants. Descriptive statistics, univariate (correlation and portfolio) analysis and regression analysis are used to show the relationship between the bank’s profitability and its determinants.
The result of secondary data analysis shows that Overhead, Bank loan, Bank size, Equity capital, Non interest earning assets, Trend and Gross domestic product have significant relationship with the profitability of commercial banks of Nepal whereas Inflation only has no significant relationship with the commercial banks of Nepal. Among them only, bank loan has been the most powerful variable for determining the profitability of banks. In contradiction to the findings of the secondary data, the primary survey also reveals that bank loan is the most powerful factor for determining the profitability followed by equity capital and bank size.
The major limitation of the study is that it has included 12 banks as a sample from 32 sized population and only seven variables are taken into consideration for study. Although there are limitations, the findings have significant result which can help to those who want to make further study including these variables in determining profitability of commercial banks in Nepal.
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Barcode Call number Media type Location Section Status 13/D 371.291 DAN Thesis/Dissertation Uniglobe Library Social Sciences Available Factors affecting the share price of Nepalese commercial banks / Subash Dahal
Title : Factors affecting the share price of Nepalese commercial banks Material Type: printed text Authors: Subash Dahal, Author Publication Date: 2015 Pagination: 73p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Share-PriceKeywords: 'share price earning per share market price per share return on assets' Class number: 332.632 Abstract: Many studies have been undertaken to study on factors affecting the share price in development countries but in Nepal there are few studies which have been conducted on this issue. This study investigates the relationship between share price, bank specific and micro-economic variables of selected Nepalese commercial banks. The stock price in the market is not static rather it changes every day. The most obvious factor that influence are demand and supply factors. The price of any commodity is affected by both micro-economic and macro-economic factors.
This study basically aimed to examines the empirical relationship between the stock price, bank specific and micro-economic variables of selected Nepalese commercial banks. The specific objectives of the study are: (a) what is the structure and pattern of MPS, EPS, DPS, P/E ratio, BVPS, ROA, and size Nepalese commercial banks? How they have changed over the time period? (b)What is the structure and pattern of Gross domestic product, inflation and money supply Nepalese commercial banks? How they have changed over the time period? (c)Is there any relationship between EPS, P/E ratio, BVPS and MPS? (d)Does dividend have any effect to the stock price? (e)How does size and profitability of a firm affect share price? (f)What is the affect of GDP, inflation and money supply on stock price in Nepalese commercial bank? (g)Which variable account most in determining the share price? (h) To provide the suggestion based on the research finding. This study is basically based on the analysis of secondary data. The data for firm specific variables including stock market data have been obtained from financial statement of sample firms recorded in the database of Nepal Stock Exchange (NEPSE) Limited and Securities Board of Nepal (SEBON) provided in their respective website. NEPSE and SEBON have maintained the record of specific financial data from the fiscal year 2003 to 2014 in their respective database in websites. The annual data series on macroeconomic variables such as GDP, inflation and money supply have been obtained from websites of World Bank. For data analyzing the relationship, market share price is used as a dependent variable. EPS, DPS, P/E ratio, BVPS, ROA and size are used as firm specific independent variables. GDP, inflation and money supply are used as macroeconomic independent variables. Beside, the study also used descriptive statistics to analyze the views of financial executives, which mainly focus on the qualitative part of the major aspect of the market share price. The result of the study showed that joint ventures have higher market share price than non-joint venture. The major conclusion of this study is the firm specific variables such as earnings per share, dividend per share, price earnings ratio, book value per share, return on assets and size are positively related with market price per share. Similarly, this study shows that macroeconomic variables like gross domestic product, inflation and money supply are positively related with market price per share. The study found that gross domestic product and firm size are the major determinant of market price per share in comparison to other explanatory variables. Besides this, there are other extraneous factors equally important that caused market price fluctuation. Therefore, banks/investors must look after all these factors which explicitly or implicitly affect stock price to arrive at rational decision. Finally Nepalese bankers and policy maker should pay adequate attentions to analyze the factors that make variation in stock price of the commercial banks.Factors affecting the share price of Nepalese commercial banks [printed text] / Subash Dahal, Author . - 2015 . - 73p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Share-PriceKeywords: 'share price earning per share market price per share return on assets' Class number: 332.632 Abstract: Many studies have been undertaken to study on factors affecting the share price in development countries but in Nepal there are few studies which have been conducted on this issue. This study investigates the relationship between share price, bank specific and micro-economic variables of selected Nepalese commercial banks. The stock price in the market is not static rather it changes every day. The most obvious factor that influence are demand and supply factors. The price of any commodity is affected by both micro-economic and macro-economic factors.
This study basically aimed to examines the empirical relationship between the stock price, bank specific and micro-economic variables of selected Nepalese commercial banks. The specific objectives of the study are: (a) what is the structure and pattern of MPS, EPS, DPS, P/E ratio, BVPS, ROA, and size Nepalese commercial banks? How they have changed over the time period? (b)What is the structure and pattern of Gross domestic product, inflation and money supply Nepalese commercial banks? How they have changed over the time period? (c)Is there any relationship between EPS, P/E ratio, BVPS and MPS? (d)Does dividend have any effect to the stock price? (e)How does size and profitability of a firm affect share price? (f)What is the affect of GDP, inflation and money supply on stock price in Nepalese commercial bank? (g)Which variable account most in determining the share price? (h) To provide the suggestion based on the research finding. This study is basically based on the analysis of secondary data. The data for firm specific variables including stock market data have been obtained from financial statement of sample firms recorded in the database of Nepal Stock Exchange (NEPSE) Limited and Securities Board of Nepal (SEBON) provided in their respective website. NEPSE and SEBON have maintained the record of specific financial data from the fiscal year 2003 to 2014 in their respective database in websites. The annual data series on macroeconomic variables such as GDP, inflation and money supply have been obtained from websites of World Bank. For data analyzing the relationship, market share price is used as a dependent variable. EPS, DPS, P/E ratio, BVPS, ROA and size are used as firm specific independent variables. GDP, inflation and money supply are used as macroeconomic independent variables. Beside, the study also used descriptive statistics to analyze the views of financial executives, which mainly focus on the qualitative part of the major aspect of the market share price. The result of the study showed that joint ventures have higher market share price than non-joint venture. The major conclusion of this study is the firm specific variables such as earnings per share, dividend per share, price earnings ratio, book value per share, return on assets and size are positively related with market price per share. Similarly, this study shows that macroeconomic variables like gross domestic product, inflation and money supply are positively related with market price per share. The study found that gross domestic product and firm size are the major determinant of market price per share in comparison to other explanatory variables. Besides this, there are other extraneous factors equally important that caused market price fluctuation. Therefore, banks/investors must look after all these factors which explicitly or implicitly affect stock price to arrive at rational decision. Finally Nepalese bankers and policy maker should pay adequate attentions to analyze the factors that make variation in stock price of the commercial banks.Hold
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Barcode Call number Media type Location Section Status 128/D 332.632 DAH Thesis/Dissertation Uniglobe Library Social Sciences Available Financial development and economic growth nexus: evidence from Nepal / Somnath Kandel
Title : Financial development and economic growth nexus: evidence from Nepal Material Type: printed text Authors: Somnath Kandel, Author Publication Date: 2016 Pagination: 79p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Economic development
Economic growthKeywords: 'economic growth commercial bank bank bank and banking economic development nepal' Class number: 338.9 Abstract: This study has been conducted to know the long run, short run relationship and causality direction between financial development and economic growth in Nepal by using the time series data of 1970 to 2015. The relationship between financial development and economic growth has received considerable attention in the past several decades. Although there is almost a psychological consensus in all kinds of economics (developed, developing and underdeveloped economy) that financial system play important role for long run economic growth; debate on a direction of causation and level of causation either from finance to growth or vice versa is still ongoing.There are two distinct views of the finance-growth nexus in the traditional development economics. The first view was first proposed by Schumpeter(1911) who contends that services provided by financial intermediaries are essential drivers of innovation and growth. Thus, well-developed financial systems channel financial resources to their most productive use. Schumpeter's view was later formalized by Goldsmith(1969) and so many other studies. In oppose other view which believes real economic growth makes increment of financial activities consequently financial development is possible. This alternative idea was initially proposed by Robinson(1952) later on so many other studies such as Patrick(1966) and Ireland(1994) followed the idea of Robinson.
Since there contemporary literatures are divided on a causality effect of finance growth relationship, this study has also a primary objective to find out the directional of effect between these two sectors. To measure the financial development four different proxy namely i) Broad money to nominal GDP (M2/Y), ii) Domestic credit no nominal GDP (DC/Y), iii) Private sector credit to nominal GDP (PSC/Y) and iv) Commercial bank assets to total assets of commercial bank plus Nepal Rastra Bank (CBA/TA) are used. Similarly to measure the economic growth real GDP per capita (RY/P) is used.
This study has employed causal comparative research designs to deal with financial development and economic growth in context of Nepal. This study is based on secondary sources of data. The sample size has been taken from the 1970 AD to 2015 AD. Total 46 years data has been used. The econometric models used for secondary data analysis consists: i) Augmented Dickey-Fuller test: to test the stationarity of data, ii) Johansen co-integration test: to test the long run relationship between pair wise variable of economic growth and financial development, iii) Granger Causality test: to test the causal relationship and direction of causality between the pair wise variable of economic growth and financial development, and iv) Vector Error Correction Model (VECM): to test the short run dynamics and direction of short run causality between pair wise variable of economic growth and financial development.
This study has found the long run co-integrating relationship and bi-directional causality between financial development and economic growth in Nepalese time series data from 1970 to 2015. This finding is identical with contemporary studies such as Demetriades & Luintel (1996a) of India, Demirhan et al.(2011) of Turkey, Saad(2014) of Lebanon and Oguntade et al.(2014) of Federal Republic of Nigeria. Moreover the findings of this study are consistent with Nepalese studies such as Gautam(2014). However, majority of finding of this study do not support to the studies such as Timsina(2014) and Bhandari & Acharya(2015) who found only uni-directional causality ‘between real GDP per-capita and private sector credit to nominal GDP’. This study partially support to Bista(2016) who found stable long run relationship between financial developments to economic growth in Nepal.
The study supports both demand driven and supply leading hypothesis in case of Nepal. Financial liberalization has improved the functioning of financial system by increasing the availability of funds and allowing risk diversification and increased investment in Nepal because the evidence shows that volume of credit released by Nepalese BFIs to the market was tremendously increased after the 1990 AD when the government adopted the liberalized economic policy in Nepal. This study has identified one phenomenon of Nepalese economy. The developing pace rate of DC/Y and PSC/Y (major proxies of financial development) is statistically found faster than those of economic growth during the period of 1970 to 2015. Therefore, it is justifiable to conclude that the pace of economic growth is too slow as compare to the pace of financial development in Nepal.
Based on the finding recommendation has given that: government and other concern body should emphasize more on how to speed up the economic growth of Nepal by prioritizing the demand driven hypothesis of finance growth relationship. Finally, findings of this study are constrained by the measuring capacity of variables, econometric model used in this study and coverage of Nepalese financial system. There is a more room for further research by using more impactful variables, incorporating the data of other financial sectors of Nepal such as NEPSE, insurance sector, provident funds etc.Financial development and economic growth nexus: evidence from Nepal [printed text] / Somnath Kandel, Author . - 2016 . - 79p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Economic development
Economic growthKeywords: 'economic growth commercial bank bank bank and banking economic development nepal' Class number: 338.9 Abstract: This study has been conducted to know the long run, short run relationship and causality direction between financial development and economic growth in Nepal by using the time series data of 1970 to 2015. The relationship between financial development and economic growth has received considerable attention in the past several decades. Although there is almost a psychological consensus in all kinds of economics (developed, developing and underdeveloped economy) that financial system play important role for long run economic growth; debate on a direction of causation and level of causation either from finance to growth or vice versa is still ongoing.There are two distinct views of the finance-growth nexus in the traditional development economics. The first view was first proposed by Schumpeter(1911) who contends that services provided by financial intermediaries are essential drivers of innovation and growth. Thus, well-developed financial systems channel financial resources to their most productive use. Schumpeter's view was later formalized by Goldsmith(1969) and so many other studies. In oppose other view which believes real economic growth makes increment of financial activities consequently financial development is possible. This alternative idea was initially proposed by Robinson(1952) later on so many other studies such as Patrick(1966) and Ireland(1994) followed the idea of Robinson.
Since there contemporary literatures are divided on a causality effect of finance growth relationship, this study has also a primary objective to find out the directional of effect between these two sectors. To measure the financial development four different proxy namely i) Broad money to nominal GDP (M2/Y), ii) Domestic credit no nominal GDP (DC/Y), iii) Private sector credit to nominal GDP (PSC/Y) and iv) Commercial bank assets to total assets of commercial bank plus Nepal Rastra Bank (CBA/TA) are used. Similarly to measure the economic growth real GDP per capita (RY/P) is used.
This study has employed causal comparative research designs to deal with financial development and economic growth in context of Nepal. This study is based on secondary sources of data. The sample size has been taken from the 1970 AD to 2015 AD. Total 46 years data has been used. The econometric models used for secondary data analysis consists: i) Augmented Dickey-Fuller test: to test the stationarity of data, ii) Johansen co-integration test: to test the long run relationship between pair wise variable of economic growth and financial development, iii) Granger Causality test: to test the causal relationship and direction of causality between the pair wise variable of economic growth and financial development, and iv) Vector Error Correction Model (VECM): to test the short run dynamics and direction of short run causality between pair wise variable of economic growth and financial development.
This study has found the long run co-integrating relationship and bi-directional causality between financial development and economic growth in Nepalese time series data from 1970 to 2015. This finding is identical with contemporary studies such as Demetriades & Luintel (1996a) of India, Demirhan et al.(2011) of Turkey, Saad(2014) of Lebanon and Oguntade et al.(2014) of Federal Republic of Nigeria. Moreover the findings of this study are consistent with Nepalese studies such as Gautam(2014). However, majority of finding of this study do not support to the studies such as Timsina(2014) and Bhandari & Acharya(2015) who found only uni-directional causality ‘between real GDP per-capita and private sector credit to nominal GDP’. This study partially support to Bista(2016) who found stable long run relationship between financial developments to economic growth in Nepal.
The study supports both demand driven and supply leading hypothesis in case of Nepal. Financial liberalization has improved the functioning of financial system by increasing the availability of funds and allowing risk diversification and increased investment in Nepal because the evidence shows that volume of credit released by Nepalese BFIs to the market was tremendously increased after the 1990 AD when the government adopted the liberalized economic policy in Nepal. This study has identified one phenomenon of Nepalese economy. The developing pace rate of DC/Y and PSC/Y (major proxies of financial development) is statistically found faster than those of economic growth during the period of 1970 to 2015. Therefore, it is justifiable to conclude that the pace of economic growth is too slow as compare to the pace of financial development in Nepal.
Based on the finding recommendation has given that: government and other concern body should emphasize more on how to speed up the economic growth of Nepal by prioritizing the demand driven hypothesis of finance growth relationship. Finally, findings of this study are constrained by the measuring capacity of variables, econometric model used in this study and coverage of Nepalese financial system. There is a more room for further research by using more impactful variables, incorporating the data of other financial sectors of Nepal such as NEPSE, insurance sector, provident funds etc.Hold
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Barcode Call number Media type Location Section Status 260/D 338.9 KAN Thesis/Dissertation Uniglobe Library Social Sciences Available Financial markets and institution / S Gurusamy
Title : Financial markets and institution Material Type: printed text Authors: S Gurusamy, Author Publisher: Australia: Thomsom Publication Date: 2004 Pagination: 680p Size: Book Price: Rs.920 Languages : English Descriptors: Banks and banking
Finance
Financial institutions
Money
Money marketKeywords: 'financial institutions banks and banking money money market finance' Class number: 332.1097 Financial markets and institution [printed text] / S Gurusamy, Author . - [S.l.] : Australia: Thomsom, 2004 . - 680p ; Book.
Rs.920
Languages : English
Descriptors: Banks and banking
Finance
Financial institutions
Money
Money marketKeywords: 'financial institutions banks and banking money money market finance' Class number: 332.1097 Hold
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Barcode Call number Media type Location Section Status 1186 332.109 GUR Books Uniglobe Library Social Sciences Available Financial markets and institutions / S Gurusamy
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