Welcome to the Uniglobe Library
From this page you can:
Home |
Descriptors
Refine your search Apply to external sources
Relationship between capital and risks in Nepalese commercial banks / Bishnu Sapkota
Title : Relationship between capital and risks in Nepalese commercial banks Material Type: printed text Authors: Bishnu Sapkota, Author Publication Date: 2015 Pagination: 77p. Size: GRP/Thesis Accompanying material: 3/B General note: Including bibliography Languages : English Descriptors: Bank capital
Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'bank bank and banking commercial banks nepal risk nepal' Class number: 332.106 Abstract: The relationship of risk and capital is very important for the banking industries. There are many studies published to examine this relationship. The relationship between capital and risks are studied extensively by several researchers. In regards to the relationship between capital and risks, researchers found different results. Some of the scholars’ state that, risks has negative relationship with capital. Meanwhile other researchers indicate the nonlinear negative and positive relationship between capital and risks.
This study aims to examine the relationship between capital and risks of commercial banks of Nepal. The study has employed descriptive and causal comparative research designs to deal with the fundamental issues associated with capital and risks in the context of Nepal. The study is based on secondary data. The variables used in the study are core capital and total capital as dependent variables where as independent variables are credit risks, operational risks, and market risks.. Similarly this study covers data of sample banks for 7 years ranging for year 2008 to 2014. Thus, collected date were analyzed using excel, and SPSS statistical package. This study used methods such as mean, standard deviation, descriptive analysis, correlation analysis in order to analyze the data.
The study reveals that risks have significant and positive impact on capital of banks and suggests specifically that bank should try to minimize risks in order to achieve the smooth functioning of the banks. More specifically, the study finds that credit risk, operational risk, and market risk, were statistically significant and positive impact on core capital and total capital of commercial banks in Nepal. The regression analysis also revealed that 96 percent in the dependent variable core capital is explained by all the independent variables. This suggests that relationship is found to be positive and significant relationship with core capital.Relationship between capital and risks in Nepalese commercial banks [printed text] / Bishnu Sapkota, Author . - 2015 . - 77p. ; GRP/Thesis + 3/B.
Including bibliography
Languages : English
Descriptors: Bank capital
Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'bank bank and banking commercial banks nepal risk nepal' Class number: 332.106 Abstract: The relationship of risk and capital is very important for the banking industries. There are many studies published to examine this relationship. The relationship between capital and risks are studied extensively by several researchers. In regards to the relationship between capital and risks, researchers found different results. Some of the scholars’ state that, risks has negative relationship with capital. Meanwhile other researchers indicate the nonlinear negative and positive relationship between capital and risks.
This study aims to examine the relationship between capital and risks of commercial banks of Nepal. The study has employed descriptive and causal comparative research designs to deal with the fundamental issues associated with capital and risks in the context of Nepal. The study is based on secondary data. The variables used in the study are core capital and total capital as dependent variables where as independent variables are credit risks, operational risks, and market risks.. Similarly this study covers data of sample banks for 7 years ranging for year 2008 to 2014. Thus, collected date were analyzed using excel, and SPSS statistical package. This study used methods such as mean, standard deviation, descriptive analysis, correlation analysis in order to analyze the data.
The study reveals that risks have significant and positive impact on capital of banks and suggests specifically that bank should try to minimize risks in order to achieve the smooth functioning of the banks. More specifically, the study finds that credit risk, operational risk, and market risk, were statistically significant and positive impact on core capital and total capital of commercial banks in Nepal. The regression analysis also revealed that 96 percent in the dependent variable core capital is explained by all the independent variables. This suggests that relationship is found to be positive and significant relationship with core capital.Copies
Barcode Call number Media type Location Section Status No copy Relationship between job satisfaction and performance of Nepalese commercial banks / Pitamber Nepal
Title : Relationship between job satisfaction and performance of Nepalese commercial banks Material Type: printed text Authors: Pitamber Nepal, Author Publication Date: 2016 Pagination: 77p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Consumer satisfaction
Job satisfaction
NepalKeywords: 'employee satisfaction job satisfactions employees banks banks and banking commercial banks nepal' Class number: 332.1 Abstract: Workforce of any bank is responsible to a large extent for its productivity and profitability.Efficient human resource management and maintaining higher job satisfaction level in Banks determine not only the performance of the Bank but also affect the growth and performance of the entire economy. The banking sector of Nepal is facing its ultimate test amidst political instability, liquidity crisis, and unfavorable policies of the regulating body, sluggish economy and various other macro and micro economic factors. There are a lot of challenges in the banking sector which need to be strengtheningthrough improvement in the regulatory/supervisory system and improvements in the implementation of new standards on quality and quantity of capital and liquidity risk management. Employees’ job satisfaction is a multi-disciplinary concept that results from employees’ perception of their jobs and the degree to which there is a good fit between them and the organization.
Satisfied workers are expected to perform well in an acceptable manner to the organization.It is necessary to identify major causes of employee’s job dissatisfaction and the analysis else should be made of the external and internal environment of the organization,and how far the aspiration of the employees are fulfilled should be observed. Employee satisfaction is important for organization’s success, survival and differences in employee satisfaction with the office environment between employees with regard to health, wellbeing, improvement in employee productivity, best services, good behavior between staff, socially, economically, improvement in banking sector and job satisfaction.
The literatures have revealed that the most important factors determining the subordinates´ job satisfaction were linked to the branch manager’s assumption of the role, their esteem, mobility, representation and tolerance towards uncertainty. Employee compensation is found to be most important factor for creating satisfaction among employee while employee empowerment is found to be significant factor for developing employee loyalty. Job satisfaction can be determined by ten variables such as payment, happy to work, promotion, subordinate supervisor relationship, direction of supervisor, achievement, appreciation, participation in decision making, proud to work and enough description. Researchers also found five factors that would determine the level of satisfaction in the banking sector are; working condition in the present job, present pay, and supervision on present job, opportunities for promotion, and the people in the working place.Herzberg`s theory have also stipulates that satisfied employees tend to be more productive, creative and committed to their employers, his study shows a direct correlation between employee satisfaction.
The study basically focuses on the assessment of the performance in terms of job satisfaction among the employees. This study aims to analyze to analyze the effect of different satisfaction determinants to the level of job satisfaction in bank employees and to examine the relationship between satisfaction level and performance.The study is based on primary sources of data. The primary sources of data have been used to assess the opinion of respondents with the respect to their employee’s satisfaction.The total population for this research is the employees of the commercial bank. These targeted populations are the employees of commercial bank within Kathmandu Valley. For qualitative research the sample of this study consists of the different level of employees of 16 commercial banks. The levels of respondents in this study falls under executive/ manager level, officer level and assistant level. For the analysis of employee’s satisfaction of Nepalese commercial banks, total of 220 questionnaires were distributed to the respondents and 170 were collected.
The responses of the employees have revealed that bank can satisfy its employees for better bank performance by providing higher salary, by providing adoptable nature of work, by providing good congenial working environment and by providing regular training and development programs to enhance their skills and knowledge. The study found that the higher level of satisfaction in employees with presence of those determinants, bank can increase its performance where ROE, EPS and ROA can be maximized. This study also found that employees always expect to get higher benefits from the bank, which includes salary and bonuses. If those expectations are fulfilled then only employees are satisfied so that bank can increase bank performance.Relationship between job satisfaction and performance of Nepalese commercial banks [printed text] / Pitamber Nepal, Author . - 2016 . - 77p. ; GRP/Thesis + 4/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Consumer satisfaction
Job satisfaction
NepalKeywords: 'employee satisfaction job satisfactions employees banks banks and banking commercial banks nepal' Class number: 332.1 Abstract: Workforce of any bank is responsible to a large extent for its productivity and profitability.Efficient human resource management and maintaining higher job satisfaction level in Banks determine not only the performance of the Bank but also affect the growth and performance of the entire economy. The banking sector of Nepal is facing its ultimate test amidst political instability, liquidity crisis, and unfavorable policies of the regulating body, sluggish economy and various other macro and micro economic factors. There are a lot of challenges in the banking sector which need to be strengtheningthrough improvement in the regulatory/supervisory system and improvements in the implementation of new standards on quality and quantity of capital and liquidity risk management. Employees’ job satisfaction is a multi-disciplinary concept that results from employees’ perception of their jobs and the degree to which there is a good fit between them and the organization.
Satisfied workers are expected to perform well in an acceptable manner to the organization.It is necessary to identify major causes of employee’s job dissatisfaction and the analysis else should be made of the external and internal environment of the organization,and how far the aspiration of the employees are fulfilled should be observed. Employee satisfaction is important for organization’s success, survival and differences in employee satisfaction with the office environment between employees with regard to health, wellbeing, improvement in employee productivity, best services, good behavior between staff, socially, economically, improvement in banking sector and job satisfaction.
The literatures have revealed that the most important factors determining the subordinates´ job satisfaction were linked to the branch manager’s assumption of the role, their esteem, mobility, representation and tolerance towards uncertainty. Employee compensation is found to be most important factor for creating satisfaction among employee while employee empowerment is found to be significant factor for developing employee loyalty. Job satisfaction can be determined by ten variables such as payment, happy to work, promotion, subordinate supervisor relationship, direction of supervisor, achievement, appreciation, participation in decision making, proud to work and enough description. Researchers also found five factors that would determine the level of satisfaction in the banking sector are; working condition in the present job, present pay, and supervision on present job, opportunities for promotion, and the people in the working place.Herzberg`s theory have also stipulates that satisfied employees tend to be more productive, creative and committed to their employers, his study shows a direct correlation between employee satisfaction.
The study basically focuses on the assessment of the performance in terms of job satisfaction among the employees. This study aims to analyze to analyze the effect of different satisfaction determinants to the level of job satisfaction in bank employees and to examine the relationship between satisfaction level and performance.The study is based on primary sources of data. The primary sources of data have been used to assess the opinion of respondents with the respect to their employee’s satisfaction.The total population for this research is the employees of the commercial bank. These targeted populations are the employees of commercial bank within Kathmandu Valley. For qualitative research the sample of this study consists of the different level of employees of 16 commercial banks. The levels of respondents in this study falls under executive/ manager level, officer level and assistant level. For the analysis of employee’s satisfaction of Nepalese commercial banks, total of 220 questionnaires were distributed to the respondents and 170 were collected.
The responses of the employees have revealed that bank can satisfy its employees for better bank performance by providing higher salary, by providing adoptable nature of work, by providing good congenial working environment and by providing regular training and development programs to enhance their skills and knowledge. The study found that the higher level of satisfaction in employees with presence of those determinants, bank can increase its performance where ROE, EPS and ROA can be maximized. This study also found that employees always expect to get higher benefits from the bank, which includes salary and bonuses. If those expectations are fulfilled then only employees are satisfied so that bank can increase bank performance.Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 143/D 332.1 NEP Thesis/Dissertation Uniglobe Library Technology Available Relationship between risk, capital and efficiency :evidence from Nepalese commercial banks / Prabha Paudel
Title : Relationship between risk, capital and efficiency :evidence from Nepalese commercial banks Material Type: printed text Authors: Prabha Paudel, Author Publication Date: 2015 Pagination: 84p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'return on equity return on assets risk weighted assets' Class number: 332.106 Abstract: Bank efficiency has received much attention in academic literature. There is far less research on the empirical side. All the empirical work investigating relationship between risk, capital and efficiency has focused developed economy. This study investigates the relationship between risks, capital and efficiency behaviour of selected Nepalese commercial banks. This study is guided by economic efficiency theory and regulatory and efficient marketing monitoring hypothesis. Economic efficiency theory states that company should achieve their output at the lowest possible cost per unit produced. Regulators and efficient marketing monitoring hypothesis states that regulators encourage banks to increase their capital to commensurate with the amount of risk taken by the banks. There are several studies conducted on the relationship between risk, capital and efficiency. Some of the review showed that large banks enjoy better efficiency than smaller bank, more capital and large sized banks can improve the operating efficiency of banking firm. Local banks were doing better than foreign banks in case of ROA and ROE. Capital regulations and performance was more problematic in the case of merger and acquisition between a big bank having large workforce and a small bank having staff strength but high personnel cost.
The main objective of the study is to assess the relationship between risk, capital and efficiency in Nepalese commercial banks. The other specific objectives are to identify the correlation of bank efficiency with nonperforming loan to total liabilities, capital fund to risk weighted assets, core capital to risk weighted assets, total equity to total assets and logarithm of total assets, examine correlation of banks capital with size, return on assets and total interest revenue to total assets, assess correlation of bank risk with efficiency, capital, net loan to total assets and loan to deposit ratio, analyze whether the higher capital ratio reduces overall bank risk. In order to achieve the objectives quantitative approach was used by using descriptive research. Data were collected from 15 commercial banks out of 30 commercial banks. The study used secondary data which was retrieved from published statements of accounts of the banks both from the central bank and the respective commercial banks for the period of ten years 2004-2013.The collected data was analyzed using Statistical Package for Social Sciences (SPSS) software. Descriptive statistics for panel data, correlation matrix and stepwise regression models were carried out to determine the effects of bank specific variables.
The result of the study showed that non-joint ventures offer more loan to deposit ratio than joint venture and public banks. Public banks have low equity to total assets which means that public banks are likely burdened. The study showed that loan loss reserves to total assets have negative relationship with loan to deposit ratio which implies that higher credit to deposit increases the bank risk. Similarly, the study showed that capital and operating efficiency has negative relationship which indicates that whenever there is less efficiency than capital of the company decreases. In addition, there is positive relationship between efficiency and non-performing loan to total loan, total equity to total assets, capital fund to risk-weighted assets and loan loss reserves to total assets.
The major conclusion of the study is risk and capital are negatively related in Nepalese Commercial Banks which implies that risk increases with the decrease of stock of capital in Nepalese Commercial Banks. Furthermore there is significant relationship between risk and efficiency which implies that efficient banks have higher risk. Further banks which have higher net loans to total assets composition has higher risk as there is positive relationship between net loans to total assets and risk. In addition risk and loan to deposit ratio has negative relationship which suggest that risk increases with decrease in loan to deposit ratio. In capital equation, there is positive relationship between capital and interest revenue to total assets which implies that capital increases with increase in interest revenue. Based on the findings, it shows inverse relationship between total assets and capital of commercial banks which shows larger banks has less capital, so firm willing to increase their capital should increase their return on assets and proper management of variables should be done in order to improve bank performance. And future studies can be carried out by selecting other development banks and finance companies and to generalize the findings and to further investigate the relationship between relationship between risk, capital and efficiency. Alternative accounting and market based indicators of banking-risk, Basel capital strength factors and alternative bank cost and efficiency measures are suggested in order to examine the consistency of findings. In future research more sophisticated statistical tools can be used to make findings more reliable and valid across different industry sectors in developing countries like Nepal. And also future research should cover macroeconomic condition of the country. Moreover, the definition of risk and capital should be changed to observed stronger theoretical foundation and for efficiency variable; future study should use cost and economic efficiency to give clear picture from different aspect.Relationship between risk, capital and efficiency :evidence from Nepalese commercial banks [printed text] / Prabha Paudel, Author . - 2015 . - 84p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'return on equity return on assets risk weighted assets' Class number: 332.106 Abstract: Bank efficiency has received much attention in academic literature. There is far less research on the empirical side. All the empirical work investigating relationship between risk, capital and efficiency has focused developed economy. This study investigates the relationship between risks, capital and efficiency behaviour of selected Nepalese commercial banks. This study is guided by economic efficiency theory and regulatory and efficient marketing monitoring hypothesis. Economic efficiency theory states that company should achieve their output at the lowest possible cost per unit produced. Regulators and efficient marketing monitoring hypothesis states that regulators encourage banks to increase their capital to commensurate with the amount of risk taken by the banks. There are several studies conducted on the relationship between risk, capital and efficiency. Some of the review showed that large banks enjoy better efficiency than smaller bank, more capital and large sized banks can improve the operating efficiency of banking firm. Local banks were doing better than foreign banks in case of ROA and ROE. Capital regulations and performance was more problematic in the case of merger and acquisition between a big bank having large workforce and a small bank having staff strength but high personnel cost.
The main objective of the study is to assess the relationship between risk, capital and efficiency in Nepalese commercial banks. The other specific objectives are to identify the correlation of bank efficiency with nonperforming loan to total liabilities, capital fund to risk weighted assets, core capital to risk weighted assets, total equity to total assets and logarithm of total assets, examine correlation of banks capital with size, return on assets and total interest revenue to total assets, assess correlation of bank risk with efficiency, capital, net loan to total assets and loan to deposit ratio, analyze whether the higher capital ratio reduces overall bank risk. In order to achieve the objectives quantitative approach was used by using descriptive research. Data were collected from 15 commercial banks out of 30 commercial banks. The study used secondary data which was retrieved from published statements of accounts of the banks both from the central bank and the respective commercial banks for the period of ten years 2004-2013.The collected data was analyzed using Statistical Package for Social Sciences (SPSS) software. Descriptive statistics for panel data, correlation matrix and stepwise regression models were carried out to determine the effects of bank specific variables.
The result of the study showed that non-joint ventures offer more loan to deposit ratio than joint venture and public banks. Public banks have low equity to total assets which means that public banks are likely burdened. The study showed that loan loss reserves to total assets have negative relationship with loan to deposit ratio which implies that higher credit to deposit increases the bank risk. Similarly, the study showed that capital and operating efficiency has negative relationship which indicates that whenever there is less efficiency than capital of the company decreases. In addition, there is positive relationship between efficiency and non-performing loan to total loan, total equity to total assets, capital fund to risk-weighted assets and loan loss reserves to total assets.
The major conclusion of the study is risk and capital are negatively related in Nepalese Commercial Banks which implies that risk increases with the decrease of stock of capital in Nepalese Commercial Banks. Furthermore there is significant relationship between risk and efficiency which implies that efficient banks have higher risk. Further banks which have higher net loans to total assets composition has higher risk as there is positive relationship between net loans to total assets and risk. In addition risk and loan to deposit ratio has negative relationship which suggest that risk increases with decrease in loan to deposit ratio. In capital equation, there is positive relationship between capital and interest revenue to total assets which implies that capital increases with increase in interest revenue. Based on the findings, it shows inverse relationship between total assets and capital of commercial banks which shows larger banks has less capital, so firm willing to increase their capital should increase their return on assets and proper management of variables should be done in order to improve bank performance. And future studies can be carried out by selecting other development banks and finance companies and to generalize the findings and to further investigate the relationship between relationship between risk, capital and efficiency. Alternative accounting and market based indicators of banking-risk, Basel capital strength factors and alternative bank cost and efficiency measures are suggested in order to examine the consistency of findings. In future research more sophisticated statistical tools can be used to make findings more reliable and valid across different industry sectors in developing countries like Nepal. And also future research should cover macroeconomic condition of the country. Moreover, the definition of risk and capital should be changed to observed stronger theoretical foundation and for efficiency variable; future study should use cost and economic efficiency to give clear picture from different aspect.Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 81/D 332.106 PAU Maps and Plans Uniglobe Library Social Sciences Available Risk management practices in Nepalese commercial bank / Srijana Timilsina
Title : Risk management practices in Nepalese commercial bank Material Type: printed text Authors: Srijana Timilsina, Author Publication Date: 2016 Pagination: 86p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Risk managementKeywords: 'risk management financial risk t, enterprise risk mananagement t, strategic risk management' Class number: 332.106 Abstract: During the last two decades the banking sector has experienced worldwide major transformations in its operating environment. Recently banking institutions are facing the environment that is changing rapidly and competition is increasing at local as well as international level. As a result the risk in banking sector is increasing day by day. So, banks need to analyze the risk and appropriate methods to mitigate the risks. The relationship between risk and many variables are studied extensively in different period of time. In regards to the relationship different results are found.Banks during the course of financial intermediation are confronted with various types of financial and non-financial risks.Banking is the business of risk (Al-Tamimi & Al-Mazrooei, 2007).Risks are uncertainties that could result in adverse variations of profitability or in losses (Bessis, 2011). Some risks cannot be eliminated or transferred due to the complexity and dynamism, so banks have to undertake the risks. In fact, banking business is the risky business so it dealt with risks and gets rewarded accordingly. The objective of financial institutions is to maximize profits and shareholder value by providing different financial services by managing risks (Ahmed et al., 2011).
Risk refers to possibility that the outcome of an action or event of bank, could bring up serious adverse impacts on bank’s profitability and performance resulting either a direct loss of earnings or capital. Therefore, the risk is interchangeably with uncertainty to refer the variability of returns associated with a given asset. The objective of financial institutions is to maximize profits and shareholder value by providing different financial services by managing risks. Risk management is aimed at protecting the organization, its people, assets and profits, against consequences and more particularly to reduce the severity and variability of losses. In another words risk management is the identification, analysis and economic control of those risks which threaten the asset or earning capacity of the organization.The main purpose of this study is to analyse the risk management practices of the Nepalese commercial banks with respect to the bank specific variables
The results in the prior studies on risk management practice are mixed and unclear. Hence, this study has been conducted to get clear idea of the risk management approaches of Nepalese commercial banks. For this, the sample of 16 commercial banks with data of 11 years from 2002/03 to 2012/13 has been taken. Data has been collected from various secondary sources like annual reports of sample banks and consolidated financial reports prepared by Nepal Rastra Bank. Descriptive statistics, portfolio analysis, correlation analysis, and regressions have been carried out to examine the secondary data.
The risk measures like credit risk (CR), liquidity risk (LR) and operational risk (OR) of the banks have been used as the dependent variable. Non -performing loan ratio, capital adequacy ratio, debt equity ratio, assets management and size have been considered as independent variables. Based on the results, capital adequacy ratio, non performing loan ratio, assets management, debt assets ratio and size in Nepal are important risk variable.
The recommendation put forward by this study is that banks are suggested to decrease the non performing loan to mitigate the credit risk and liquidity risk. On the other hand this study suggests that banks should maintain the capital adequacy ratio directed by NRB, because it reduce the risks avail in the future.
The major limitation of this study is that this study has excluded some bank macroeconomic variables that might have effect on risk of the commercial banks. The study remains enough ground for future researcher in the same topic. The future studies can be carried out by selecting other financial institutions like development banks, public banks and finance companies to grab the wider view of risk management practices.Risk management practices in Nepalese commercial bank [printed text] / Srijana Timilsina, Author . - 2016 . - 86p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Risk managementKeywords: 'risk management financial risk t, enterprise risk mananagement t, strategic risk management' Class number: 332.106 Abstract: During the last two decades the banking sector has experienced worldwide major transformations in its operating environment. Recently banking institutions are facing the environment that is changing rapidly and competition is increasing at local as well as international level. As a result the risk in banking sector is increasing day by day. So, banks need to analyze the risk and appropriate methods to mitigate the risks. The relationship between risk and many variables are studied extensively in different period of time. In regards to the relationship different results are found.Banks during the course of financial intermediation are confronted with various types of financial and non-financial risks.Banking is the business of risk (Al-Tamimi & Al-Mazrooei, 2007).Risks are uncertainties that could result in adverse variations of profitability or in losses (Bessis, 2011). Some risks cannot be eliminated or transferred due to the complexity and dynamism, so banks have to undertake the risks. In fact, banking business is the risky business so it dealt with risks and gets rewarded accordingly. The objective of financial institutions is to maximize profits and shareholder value by providing different financial services by managing risks (Ahmed et al., 2011).
Risk refers to possibility that the outcome of an action or event of bank, could bring up serious adverse impacts on bank’s profitability and performance resulting either a direct loss of earnings or capital. Therefore, the risk is interchangeably with uncertainty to refer the variability of returns associated with a given asset. The objective of financial institutions is to maximize profits and shareholder value by providing different financial services by managing risks. Risk management is aimed at protecting the organization, its people, assets and profits, against consequences and more particularly to reduce the severity and variability of losses. In another words risk management is the identification, analysis and economic control of those risks which threaten the asset or earning capacity of the organization.The main purpose of this study is to analyse the risk management practices of the Nepalese commercial banks with respect to the bank specific variables
The results in the prior studies on risk management practice are mixed and unclear. Hence, this study has been conducted to get clear idea of the risk management approaches of Nepalese commercial banks. For this, the sample of 16 commercial banks with data of 11 years from 2002/03 to 2012/13 has been taken. Data has been collected from various secondary sources like annual reports of sample banks and consolidated financial reports prepared by Nepal Rastra Bank. Descriptive statistics, portfolio analysis, correlation analysis, and regressions have been carried out to examine the secondary data.
The risk measures like credit risk (CR), liquidity risk (LR) and operational risk (OR) of the banks have been used as the dependent variable. Non -performing loan ratio, capital adequacy ratio, debt equity ratio, assets management and size have been considered as independent variables. Based on the results, capital adequacy ratio, non performing loan ratio, assets management, debt assets ratio and size in Nepal are important risk variable.
The recommendation put forward by this study is that banks are suggested to decrease the non performing loan to mitigate the credit risk and liquidity risk. On the other hand this study suggests that banks should maintain the capital adequacy ratio directed by NRB, because it reduce the risks avail in the future.
The major limitation of this study is that this study has excluded some bank macroeconomic variables that might have effect on risk of the commercial banks. The study remains enough ground for future researcher in the same topic. The future studies can be carried out by selecting other financial institutions like development banks, public banks and finance companies to grab the wider view of risk management practices.Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 206/D 332.106 TIM Thesis/Dissertation Uniglobe Library Social Sciences Available Risk management practices in nepalese commercial banks / Gopal Joshi
Title : Risk management practices in nepalese commercial banks Material Type: printed text Authors: Gopal Joshi, Author Publication Date: 2013 Pagination: 124p. Size: GRP/Thesis Accompanying material: 2013 General note: Including bibliography
Languages : English Descriptors: Bank management
Commercial banks
Gopal Joshi
Nepal
Risk managementKeywords: 'Risk management', 'management practices'gopal joshi nepal bank management commercial bank' Class number: 332.106 Risk management practices in nepalese commercial banks [printed text] / Gopal Joshi, Author . - 2013 . - 124p. ; GRP/Thesis + 2013.
Including bibliography
Languages : English
Descriptors: Bank management
Commercial banks
Gopal Joshi
Nepal
Risk managementKeywords: 'Risk management', 'management practices'gopal joshi nepal bank management commercial bank' Class number: 332.106 Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 4/D 332.106 JOS Thesis/Dissertation Uniglobe Library Social Sciences Available Risk management practices: a survey of commercial banks in Nepal / Dipesh Banepali
PermalinkRisk taking behavior and performance evaluation of joint venture and non joint venture commercial banks of Nepal / Niroj Maharjan
PermalinkService quality and customer satisfaction in Nepalese commercial banks / Ajay Gautam
PermalinkService quality, customer's satisfaction and customers' loyalty in commercial banks / Manju Maharjan
PermalinkThe effects of corporate governance on firm performance: a case study of Nepalese commercial bank / Rosa Pandey
PermalinkThe impact of capital adequacy and credit risk on performance of Nepalese commercial banks / Kohinoor Thapaliya
PermalinkThe impact of credit risk management on profitability of commercial banks in Nepal / Divash Shakya
PermalinkThe impact of internal marketing on employee's job satisfaction of commercial banks in Nepal / Sujata Bhandari
PermalinkThe impact of liquidity management on profitability in Nepalese commercial banks / Nitish Bajracharya
PermalinkWorkplace quality and employee's productivity in Nepalese commercial banks / Rama Parajuli
Permalink