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Determinants of bank deposits: a survey of selected commercial banks in Nepal / Akash Khaniya
Title : Determinants of bank deposits: a survey of selected commercial banks in Nepal Material Type: printed text Authors: Akash Khaniya, Author Publication Date: 2014 Pagination: 86p. Size: GRP/Thesis Accompanying material: 3/B General note: Including bibliography Languages : English Descriptors: Bank deposits
Banks
Banks and banking
Commercial banks
NepalKeywords: Bank deposits banks banks and banking commercial banks nepal' Class number: 346.730 Abstract: The main source of capital for commercial banks is deposit. Although banks can use other sources of funds such as shareholder's equity, from the profit of its operation or any other business undertakings, the most useful source of capital is deposit.
This study investigates the determinants of deposit of selected Nepalese commercial banks. The objective of the study was to focus on the factors that affect the deposit of the commercial bank of Nepal. This study also focuses on examining the relationship between the bank deposit with bank specific variables and macroeconomic variables in the Nepalese context.
The study is based on both primary and secondary sources of data. The primary sources of data have been used to assess the opinion of respondents with respect to bank deposit regarding the commercial banks and the secondary data have been taken from the annual reports and websites of the respective commercial banks and Nepal Rastra Bank. This study is primarily based on the panel data for the time period 2002/03 to 2011/12 of 18 commercial banks. For the analysis of the data, linear regression model has been used.
The study concluded that bank size, lagged deposit and lagged bank size explain the deposit of the commercial bank of Nepal. Therefore banks should strive hard to manage their total assets (bank size) efficiently so that their objective of increasing deposit can be achieved. From the survey results, the study concluded that interest rate on deposit have strong impact on bank deposit. Similarly, the study also said that employees of the bank play an important role to encourage deposit. In the Nepalese market, customers are more sensitive towards the liquidity position of the banks. Therefore, commercial bank should maintain their liquidity to encourage customers to deposit more. Location of banks’ office is ranked as the most important variable by the respondents so the banks should maintain their offices in such places that reduce time and cost of customers.
Determinants of bank deposits: a survey of selected commercial banks in Nepal [printed text] / Akash Khaniya, Author . - 2014 . - 86p. ; GRP/Thesis + 3/B.
Including bibliography
Languages : English
Descriptors: Bank deposits
Banks
Banks and banking
Commercial banks
NepalKeywords: Bank deposits banks banks and banking commercial banks nepal' Class number: 346.730 Abstract: The main source of capital for commercial banks is deposit. Although banks can use other sources of funds such as shareholder's equity, from the profit of its operation or any other business undertakings, the most useful source of capital is deposit.
This study investigates the determinants of deposit of selected Nepalese commercial banks. The objective of the study was to focus on the factors that affect the deposit of the commercial bank of Nepal. This study also focuses on examining the relationship between the bank deposit with bank specific variables and macroeconomic variables in the Nepalese context.
The study is based on both primary and secondary sources of data. The primary sources of data have been used to assess the opinion of respondents with respect to bank deposit regarding the commercial banks and the secondary data have been taken from the annual reports and websites of the respective commercial banks and Nepal Rastra Bank. This study is primarily based on the panel data for the time period 2002/03 to 2011/12 of 18 commercial banks. For the analysis of the data, linear regression model has been used.
The study concluded that bank size, lagged deposit and lagged bank size explain the deposit of the commercial bank of Nepal. Therefore banks should strive hard to manage their total assets (bank size) efficiently so that their objective of increasing deposit can be achieved. From the survey results, the study concluded that interest rate on deposit have strong impact on bank deposit. Similarly, the study also said that employees of the bank play an important role to encourage deposit. In the Nepalese market, customers are more sensitive towards the liquidity position of the banks. Therefore, commercial bank should maintain their liquidity to encourage customers to deposit more. Location of banks’ office is ranked as the most important variable by the respondents so the banks should maintain their offices in such places that reduce time and cost of customers.
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Barcode Call number Media type Location Section Status 41/D 346.730 KHA Books Uniglobe Library Social Sciences Available Determinants of bank selection by Nepalese customers / Anil Kumar Bist
Title : Determinants of bank selection by Nepalese customers Material Type: printed text Authors: Anil Kumar Bist, Author Publication Date: 2014 Pagination: 84p. Size: GRP/Thesis Accompanying material: 3/B General note: Including bibliography Languages : English Descriptors: Customer satisfaction
Banks
Banks and banking
Customer loyalty
Customer services
Management
NepalKeywords: 'bank bank and banking management commercial customer nepal' Class number: 332.01 Abstract: Customer Bank selection is the decision that a customer takes on the basis of different attributes or factors that the bank has. The different factors taken in consideration by customers’ while selecting a bank are various types of services provided by the banks, Interest rates that has been taken or given by bank, promptness of services, responses of employees and so on. Bank occupies an important place in the framework of every economy. It provides capital for the development of industry, trade & business investing the saving collected as deposit. All the economic activities of every country are greatly influenced by the banking business of that country. Banks, by playing active roles, have changed the economic structure of the world. Integrated & speedy development of the country is possible only when competitive banking services reach nooks & corners of the country. Therefore a banking organization must prioritize the provision of high quality service to its customers. People are using the services of the banks to meet up their variety of purposes. Services delivered by the banks play an important role in forming customer’s attitude towards the organizations.
The study seeks to examine and gain an insight and understanding into the factors that informed customers' selection of banks as well as their loyalty to particular banks. This understanding and insight will further provide the light for Nepalese banks to formulate new strategies and decisions. Based on these strategies and decisions it will provide a roadmap which will help the banks to attract customers and groom them to become addicted and loyalist to the bank. The main purpose of the study was to investigate the determinants of bank selection used by Nepalese customers.
The study is based on primary data. Nature of data is qualitative which is collected from customers of sixteen Nepalese commercial banks that include public banks, joint venture banks and non joint commercial banks. The primary data analysis is done on the basis of different statistical tools like: Cronbach’s alpha, mean, median, percentage frequency distribution, and correlation analysis.
The major conclusions of the study are the customers’ reliability depends on attractive infrastructures. The satisfaction level of customers with current services provided by Nepalese Commercial banks is low. In case of efficient services provided by bank customers are satisfied except in case of Public sector banks. The customers like to recommend their bank to other people rather than public bank. Customers indicated location convenience as first major factor followed by high interest rate. According to the result the factors that customers consider while selecting Nepalese commercial banks most of the respondents’ ranked Number of branches as a most important factor affecting customers choice while choosing banks and secondly and Interest rate. Customers ranked Advertisement as most influencing factor followed by Timely service, responsiveness of bank employees and Bank location.
The correlation results of the different factors taken for the study in Public Banks Number of branches, Number of ATM links, and Opening hours have positive and higher degree of correlations with Bank location. Similarly, Deposit rate has low degree of correlation and insignificant relationship with Lending Rate, Bank Location and Number of Branches. Number of ATM links also has low degree of correlation and insignificant relationship with Lending Rate. Likewise, in case of Joint Venture Banks Number of branches, Number of ATM links and Opening hours have positive and higher degree of correlations with Bank location. In case of non joint venture banks Number of branches, Number of ATM links, and Opening hours have positive and higher degree of correlations with Bank location whereas Deposit rate has low degree of correlation and insignificant relationship with Lending rate. The overall results indicates that Number of branches, Number of ATM links, Opening hours have positive and higher degree of correlations with Bank location.
Determinants of bank selection by Nepalese customers [printed text] / Anil Kumar Bist, Author . - 2014 . - 84p. ; GRP/Thesis + 3/B.
Including bibliography
Languages : English
Descriptors: Customer satisfaction
Banks
Banks and banking
Customer loyalty
Customer services
Management
NepalKeywords: 'bank bank and banking management commercial customer nepal' Class number: 332.01 Abstract: Customer Bank selection is the decision that a customer takes on the basis of different attributes or factors that the bank has. The different factors taken in consideration by customers’ while selecting a bank are various types of services provided by the banks, Interest rates that has been taken or given by bank, promptness of services, responses of employees and so on. Bank occupies an important place in the framework of every economy. It provides capital for the development of industry, trade & business investing the saving collected as deposit. All the economic activities of every country are greatly influenced by the banking business of that country. Banks, by playing active roles, have changed the economic structure of the world. Integrated & speedy development of the country is possible only when competitive banking services reach nooks & corners of the country. Therefore a banking organization must prioritize the provision of high quality service to its customers. People are using the services of the banks to meet up their variety of purposes. Services delivered by the banks play an important role in forming customer’s attitude towards the organizations.
The study seeks to examine and gain an insight and understanding into the factors that informed customers' selection of banks as well as their loyalty to particular banks. This understanding and insight will further provide the light for Nepalese banks to formulate new strategies and decisions. Based on these strategies and decisions it will provide a roadmap which will help the banks to attract customers and groom them to become addicted and loyalist to the bank. The main purpose of the study was to investigate the determinants of bank selection used by Nepalese customers.
The study is based on primary data. Nature of data is qualitative which is collected from customers of sixteen Nepalese commercial banks that include public banks, joint venture banks and non joint commercial banks. The primary data analysis is done on the basis of different statistical tools like: Cronbach’s alpha, mean, median, percentage frequency distribution, and correlation analysis.
The major conclusions of the study are the customers’ reliability depends on attractive infrastructures. The satisfaction level of customers with current services provided by Nepalese Commercial banks is low. In case of efficient services provided by bank customers are satisfied except in case of Public sector banks. The customers like to recommend their bank to other people rather than public bank. Customers indicated location convenience as first major factor followed by high interest rate. According to the result the factors that customers consider while selecting Nepalese commercial banks most of the respondents’ ranked Number of branches as a most important factor affecting customers choice while choosing banks and secondly and Interest rate. Customers ranked Advertisement as most influencing factor followed by Timely service, responsiveness of bank employees and Bank location.
The correlation results of the different factors taken for the study in Public Banks Number of branches, Number of ATM links, and Opening hours have positive and higher degree of correlations with Bank location. Similarly, Deposit rate has low degree of correlation and insignificant relationship with Lending Rate, Bank Location and Number of Branches. Number of ATM links also has low degree of correlation and insignificant relationship with Lending Rate. Likewise, in case of Joint Venture Banks Number of branches, Number of ATM links and Opening hours have positive and higher degree of correlations with Bank location. In case of non joint venture banks Number of branches, Number of ATM links, and Opening hours have positive and higher degree of correlations with Bank location whereas Deposit rate has low degree of correlation and insignificant relationship with Lending rate. The overall results indicates that Number of branches, Number of ATM links, Opening hours have positive and higher degree of correlations with Bank location.
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Barcode Call number Media type Location Section Status 59/D 332.01 BIS Thesis/Dissertation Uniglobe Library Social Sciences Available Determinants of capital adequacy of Nepalese commercial banks / Manisha Baral
Title : Determinants of capital adequacy of Nepalese commercial banks Material Type: printed text Authors: Manisha Baral, Author Publication Date: 2016 Pagination: 79p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Capital adequacy
Commercial banksKeywords: capital adequacy bank capital financial performance' Class number: 332.120 Determinants of capital adequacy of Nepalese commercial banks [printed text] / Manisha Baral, Author . - 2016 . - 79p. ; GRP/Thesis + 4/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Capital adequacy
Commercial banksKeywords: capital adequacy bank capital financial performance' Class number: 332.120 Hold
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Barcode Call number Media type Location Section Status 156/D 332.120 BAR Thesis/Dissertation Uniglobe Library Social Sciences Available Determinants of capital structure: a case of Nepalese commercial banks / Krishna Chalise
Title : Determinants of capital structure: a case of Nepalese commercial banks Material Type: printed text Authors: Krishna Chalise, Author Publication Date: 2014 Pagination: 67p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Capital management
Capital structureKeywords: 'capital structure return on assets return to equity bank bank and banking' Class number: 658.1522 Determinants of capital structure: a case of Nepalese commercial banks [printed text] / Krishna Chalise, Author . - 2014 . - 67p. ; GRP/Thesis + 4/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Capital management
Capital structureKeywords: 'capital structure return on assets return to equity bank bank and banking' Class number: 658.1522 Hold
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Barcode Call number Media type Location Section Status 72/D 658.1522 CHA Thesis/Dissertation Uniglobe Library Technology Available Determinants of capital structure in selected Nepalese bank / Subin Shrestha
Title : Determinants of capital structure in selected Nepalese bank Material Type: printed text Authors: Subin Shrestha, Author Publication Date: 2013 Pagination: 87p. Size: GRP/Thesis Accompanying material: 1/B General note: Including bibliography Languages : English Descriptors: Banks
Banks and banking
Capital management
Capital structure
Commercial banks
NepalKeywords: 'capital management capital structure banks banks and banking commercial banks nepal Class number: 658.152 Abstract: The capital structure decision is crucial for any business organization. The decision is important because of the need to maximize returns to various organizational constituencies, and also because of the impact such a decision has on a firm’s ability to deal with its competitive environment (Mayers S.C., 1984). The capital structure of a firm is actually a mix of different securities. In general, a firm can choose among many alternative capital structures. It can issue a large amount of debt or very little debt. It can arrange lease financing, use warrants, issue convertible bonds, sign forward contracts or trade bond swaps. It can issue dozens of distinct securities in countless combinations; however, it attempts to find the particular combination that maximizes its overall market value.The main objective of this study is to analyze the determinants of capital structure adopted by the Nepalese bank. The specific objectives are to find out the major determinants of capital structure of banks in Nepal, to examine the relationship between financial leverage and size of the company, profitability, asset structure and level of economic growth, to analyze the variation of capital structure mix across different banks, to study the views of Managers and Executives regarding the determinants of capital structure.
The review of literature shows the sophisticated and the most contentious theories of capital structure were developed. Empirical studies took turn to the cross-sectional characteristics of individual firm’s capital structure particularly in fundamental determinants of financial structure during the period of 1970’s. After the development of agency cost and asymmetric information models of capital structure theory, most the empirical studies carried out after 1970’s are based on either agency cost model or an asymmetric information model. Finally, on the basis of the review of empirical works done so far, it can be concluded that the theories of capital structure are still not immunized against the dispute on what factors would guide the management to determine the proper capitals structure of the firms. In this study, some specific factors that determine the capital structure of Nepalese firms are examined.
The study is based on pooled data of 12 sample banks, the study sample period is from 2001 to 2012. This study employed regression analysis, correlation analysis, and portfolio analysis to explain variation in capital structure. Besides, the study also used descriptive statistics to analyze the views of the financial executives, which mainly focus on the qualitative part of the major expected return in the Nepalese stock market. The primary data have been collected through the questionnaire distributed to the senior branch manager, branch managers, management trainee, and junior officer of 12 sample banks.
The study also concluded that, on one way sorting of portfolio analysis, there exist a positive relationship between profitability and financial leverage. Similarly, the relationship between size and financial leverage is also positive, this indicates that as the profitability and size increases the financial leverage also increases. Further, the one way sorting of portfolio analysis by asset structure and level of economic growth also found to be positively related with financial leverage. In multiple regression analysis, profitability and asset structure found to be significant factor affecting financial leverage. whereas, size and level of economic growth do not have any power in explaining financial leverage ratio. The overall model is significant at 5% level of significance. The adjusted R square 0.68, indicates that 68% of variation are captured by the independent variables (profitability, size, asset structure, and level of economic growth).
The capital structure of banks is, however, still a relatively under-explored area in the banking literature. Currently, there is no clear understanding on how banks choose their capital structure and what factors influence their corporate financing behavior. This study focuses on profitability, size , asset structure and level of economic growth. It is assumed that this study is probably the new concept to do research and compare and critically analyzed findings and conclusions as to previous study which were undertaken in developed countries. It is very much required to study in the context of Nepal, whether the profitability, size, asset structure and level of economic growth explains the variation on financial leverage.
Determinants of capital structure in selected Nepalese bank [printed text] / Subin Shrestha, Author . - 2013 . - 87p. ; GRP/Thesis + 1/B.
Including bibliography
Languages : English
Descriptors: Banks
Banks and banking
Capital management
Capital structure
Commercial banks
NepalKeywords: 'capital management capital structure banks banks and banking commercial banks nepal Class number: 658.152 Abstract: The capital structure decision is crucial for any business organization. The decision is important because of the need to maximize returns to various organizational constituencies, and also because of the impact such a decision has on a firm’s ability to deal with its competitive environment (Mayers S.C., 1984). The capital structure of a firm is actually a mix of different securities. In general, a firm can choose among many alternative capital structures. It can issue a large amount of debt or very little debt. It can arrange lease financing, use warrants, issue convertible bonds, sign forward contracts or trade bond swaps. It can issue dozens of distinct securities in countless combinations; however, it attempts to find the particular combination that maximizes its overall market value.The main objective of this study is to analyze the determinants of capital structure adopted by the Nepalese bank. The specific objectives are to find out the major determinants of capital structure of banks in Nepal, to examine the relationship between financial leverage and size of the company, profitability, asset structure and level of economic growth, to analyze the variation of capital structure mix across different banks, to study the views of Managers and Executives regarding the determinants of capital structure.
The review of literature shows the sophisticated and the most contentious theories of capital structure were developed. Empirical studies took turn to the cross-sectional characteristics of individual firm’s capital structure particularly in fundamental determinants of financial structure during the period of 1970’s. After the development of agency cost and asymmetric information models of capital structure theory, most the empirical studies carried out after 1970’s are based on either agency cost model or an asymmetric information model. Finally, on the basis of the review of empirical works done so far, it can be concluded that the theories of capital structure are still not immunized against the dispute on what factors would guide the management to determine the proper capitals structure of the firms. In this study, some specific factors that determine the capital structure of Nepalese firms are examined.
The study is based on pooled data of 12 sample banks, the study sample period is from 2001 to 2012. This study employed regression analysis, correlation analysis, and portfolio analysis to explain variation in capital structure. Besides, the study also used descriptive statistics to analyze the views of the financial executives, which mainly focus on the qualitative part of the major expected return in the Nepalese stock market. The primary data have been collected through the questionnaire distributed to the senior branch manager, branch managers, management trainee, and junior officer of 12 sample banks.
The study also concluded that, on one way sorting of portfolio analysis, there exist a positive relationship between profitability and financial leverage. Similarly, the relationship between size and financial leverage is also positive, this indicates that as the profitability and size increases the financial leverage also increases. Further, the one way sorting of portfolio analysis by asset structure and level of economic growth also found to be positively related with financial leverage. In multiple regression analysis, profitability and asset structure found to be significant factor affecting financial leverage. whereas, size and level of economic growth do not have any power in explaining financial leverage ratio. The overall model is significant at 5% level of significance. The adjusted R square 0.68, indicates that 68% of variation are captured by the independent variables (profitability, size, asset structure, and level of economic growth).
The capital structure of banks is, however, still a relatively under-explored area in the banking literature. Currently, there is no clear understanding on how banks choose their capital structure and what factors influence their corporate financing behavior. This study focuses on profitability, size , asset structure and level of economic growth. It is assumed that this study is probably the new concept to do research and compare and critically analyzed findings and conclusions as to previous study which were undertaken in developed countries. It is very much required to study in the context of Nepal, whether the profitability, size, asset structure and level of economic growth explains the variation on financial leverage.
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