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Determinants of net interest margin and its impacts on Nepalese commercial banks / Yamuna Adhikari
Title : Determinants of net interest margin and its impacts on Nepalese commercial banks Material Type: printed text Authors: Yamuna Adhikari, Author Publication Date: 2014 Pagination: 86p. Size: GRP/Thesis Accompanying material: 2/B Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Economic development
Interest
Market structureKeywords: 'Banks determinants net interest margin commercial banks economic development interest market structure' Class number: 330 Determinants of net interest margin and its impacts on Nepalese commercial banks [printed text] / Yamuna Adhikari, Author . - 2014 . - 86p. ; GRP/Thesis + 2/B.
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Barcode Call number Media type Location Section Status 37/D 330 ADH Thesis/Dissertation Uniglobe Library Social Sciences Available Determinants of net interest margin of Nepalese commercial banks / Rojeena Bariya
Title : Determinants of net interest margin of Nepalese commercial banks Material Type: printed text Authors: Rojeena Bariya, Author Publication Date: 2016 Pagination: 99p. Size: GRP/Thesis Accompanying material: 7/B Languages : English Descriptors: Interest Class number: 330 Abstract: Banks are the financial institution and financial intermediary that accepts deposit from depositors and mobilize those funds into lending activities to different party of economy. This process of accepting deposits and lending takes place at a cost in the form of interest to the depositors as well as to the borrower. Banks provide lower interest rate on depositors and charge higher interest rate to borrower which creates spread called net interest margin of banks (Tarus et al., 2013). The primary function of taking deposit and providing loan always run with motive to earn profit in the term of net interest margin. One of the best and most widely used indicator of the cost and efficiency of financial intermediation is a banks’ net interest margin (Dumicic and Ridzak,2013). The effect of banks interest margins and spread, simply the intermediation cost, on economic growth is documented in the literature (Jayaatne and Strahan, 1996).
The analysis of the evolution and determinants of net interest margin is extremely important, since a small change in the margin has a huge impact on the profitability and performance of bank as well as on the economy. The analysis of net interest margins is an attempt to measure the cost of financial intermediation; that is, the difference between the gross cost paid by a borrower to a bank and the net return received by a depositor (Brock and Suarez, 2000). This study focus on dependent variable net interest margin which consist of two proxies, Net interest income to total assets and net interest income to total earning assets.
This study examines the determinants of net interest margin of Nepalese commercial banks with respect to banks specific variables and macroeconomic variables. The specific objectives of this study is to analyze the relationship and impact of capital adequacy, bank size, total deposit, credit risk, liquidity risk, inflation and gross domestic product growth rate on bank net interest margin. The study has selected 19 Nepalese commercial banks. The research is based on secondary data and the data were collected from Bank and Financial Statistics, Supervision Report published by Nepal Rastra Bank( NRB) and annual reports of concern sample banks. For macro economic variables data have been collected from Quarterly Economic Bulletin pulished by Nepal Rastra Bank.
The study results show that Agricultural development bank has the highest average net interest margin. Similarly, average credit is largest for Prime commercial bank limited and Agricultural development bank has highest capital adequacy ratio. There is positive relationship of capital adequacy ratio and bank size with net interest margin in term of both proxy net interest income to total assets and net interest income to average earning assets. It indicates higher the capital adequacy ratio, higher would be net interest margin. It also indicates increase in bank size increases net interest margin. Similarly, net interest margin both proxy are positively related to total deposit and credit risk. This means larger the total deposit of bank, larger would be net interest margin and higher the credit risk, higher would be net interest margin. However, liquidity risk has positive relationship with net interest income to total assets, while negative relationship with net interest income to average earning assets. Regarding macroeconomic variables inflation and gross domestic product growth rate have negative relationship with both proxy of net interest margin. It reveals higher the inflation and gross domestic product growth rate, lower would be net interest margin.
Determinants of net interest margin of Nepalese commercial banks [printed text] / Rojeena Bariya, Author . - 2016 . - 99p. ; GRP/Thesis + 7/B.
Languages : English
Descriptors: Interest Class number: 330 Abstract: Banks are the financial institution and financial intermediary that accepts deposit from depositors and mobilize those funds into lending activities to different party of economy. This process of accepting deposits and lending takes place at a cost in the form of interest to the depositors as well as to the borrower. Banks provide lower interest rate on depositors and charge higher interest rate to borrower which creates spread called net interest margin of banks (Tarus et al., 2013). The primary function of taking deposit and providing loan always run with motive to earn profit in the term of net interest margin. One of the best and most widely used indicator of the cost and efficiency of financial intermediation is a banks’ net interest margin (Dumicic and Ridzak,2013). The effect of banks interest margins and spread, simply the intermediation cost, on economic growth is documented in the literature (Jayaatne and Strahan, 1996).
The analysis of the evolution and determinants of net interest margin is extremely important, since a small change in the margin has a huge impact on the profitability and performance of bank as well as on the economy. The analysis of net interest margins is an attempt to measure the cost of financial intermediation; that is, the difference between the gross cost paid by a borrower to a bank and the net return received by a depositor (Brock and Suarez, 2000). This study focus on dependent variable net interest margin which consist of two proxies, Net interest income to total assets and net interest income to total earning assets.
This study examines the determinants of net interest margin of Nepalese commercial banks with respect to banks specific variables and macroeconomic variables. The specific objectives of this study is to analyze the relationship and impact of capital adequacy, bank size, total deposit, credit risk, liquidity risk, inflation and gross domestic product growth rate on bank net interest margin. The study has selected 19 Nepalese commercial banks. The research is based on secondary data and the data were collected from Bank and Financial Statistics, Supervision Report published by Nepal Rastra Bank( NRB) and annual reports of concern sample banks. For macro economic variables data have been collected from Quarterly Economic Bulletin pulished by Nepal Rastra Bank.
The study results show that Agricultural development bank has the highest average net interest margin. Similarly, average credit is largest for Prime commercial bank limited and Agricultural development bank has highest capital adequacy ratio. There is positive relationship of capital adequacy ratio and bank size with net interest margin in term of both proxy net interest income to total assets and net interest income to average earning assets. It indicates higher the capital adequacy ratio, higher would be net interest margin. It also indicates increase in bank size increases net interest margin. Similarly, net interest margin both proxy are positively related to total deposit and credit risk. This means larger the total deposit of bank, larger would be net interest margin and higher the credit risk, higher would be net interest margin. However, liquidity risk has positive relationship with net interest income to total assets, while negative relationship with net interest income to average earning assets. Regarding macroeconomic variables inflation and gross domestic product growth rate have negative relationship with both proxy of net interest margin. It reveals higher the inflation and gross domestic product growth rate, lower would be net interest margin.
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Barcode Call number Media type Location Section Status 194/D 330 BAR Books Uniglobe Library Social Sciences Available Domestic and foreign banks profitability in Nepal: differences and their determinants / Samjhana Khatri
Title : Domestic and foreign banks profitability in Nepal: differences and their determinants Material Type: printed text Authors: Samjhana Khatri, Author Publication Date: 2017 Pagination: 102p. Size: GRP/Thesis Accompanying material: 8/B Languages : English Class number: 330 Abstract: Financial performance of a firm can be analyzed in terms of profitability, dividend growth, sales turnover, asset base, capital employed among others. The main aim of bank is to earn profit along with the customer satisfaction. Bank profitability is defined as the net after-tax income or net earnings of a bank. Profitability is believed to be influenced by both endogenous and exogenous factors. The endogenous factors are firm specific factors that result from the decisions and policies of management. Examples of such factors are efficiency, profitability, liquidity, and capital structure and asset quality ratios. The exogenous factors are industrial structural factors such as ownership, market concentration and stock market development and other macroeconomic factors such as interest rate, inflation, gross domestic product, etc.
There are differences in domestic and foreign banks in terms of profitability. Doğan (2013) revealed that asset quality, return on equities, total assets and management effectiveness of domestic banks are higher than foreign banks.Sabi (1996) found that foreign banks are more profitable than domestic banks and did not expose to a greater liquidity or credit risk.Chantapong (2005) concluded that foreign bank’s profitability is higher than the average profitability of the domestic banks.Awdeh (2005) explained that foreign banks are more profitable and are less affected by the macroeconomic factors of the host country than domestic banks.
The main objective of this study is to analyze the differences and determinants of profitability (ROA, ROE and NIM) in context of foreign and domestic commercial banks of Nepal. The study is based on the secondary data of 21 Nepalese commercial banks with 147 observations for the period 2008/09 to 2014/15. The main source of data include various issues of Banking and Financial Statistics, Quarterly Economic Bulletin, Bank Supervision Report published by Nepal Rastra Bank and annual Reports of selected commercial banks. The pooled cross-sectional data analysis has been undertaken from the study. The research design adopted in this study is descriptive and causal comparative research design as it deals with the relationship betweencapital adequacy ratio, cash reserve requirement, liquidity ratio, credit to deposit ratio, credit risk, cost to income ratio, inflation, gross domestic product and profitability of Nepalese banks.
The result shows that NBBL have highest average ROA, ROE and ADBL has highest NIM among the selected commercial banks throughout the study period. Similarly average capital adequacy ratio is highest for SANBL (17.60), cash reserve requirement is highest for SUNBL (30.90), credit risk is highest for ADBL (12.96), credit to deposit ratio is highest for ADBL 105.95, liquidity ratio is highest for SCNBL (39.05), and cost to income ratio is highest for NBL (88.67).
The descriptive statistics of domestic banks shows that average return on assets, return on equity and net interest margin, capital adequacy ratio, cash reserve requirement, credit risk, credit to deposit ratio, liquidity ratio, cost to income ratio, inflation, and gross domestic product is 1.51 percent, 10.20 percent, 3.28 percent, 12.39 percent, 15.79 percent, 3.50 percent, 81.98 percent, 25.96 percent, 43.94 percent, 8.77 percent, 4.40 percent. Similarly, descriptive statistics of foreign banks reveals that averagereturn on assets, return on equity and net interest margin, capital adequacy ratio, cash reserve requirement, credit risk, credit to deposit ratio, liquidity ratio, cost to income ratio, inflation, and gross domestic product is 2.60 percent, 28.63 percent, 3.63 percent, 11.70 percent, 12.17 percent, 3.88 percent, 69.10 percent, 27.39 percent, 36.77 percent, 8.77 percent, 4.4 percent.
In case of domestic banks the study found that capital adequacy ratio and credit to deposit ratio is positively correlated to return on assets, return on equity, and net interest margin while liquidity ratio is negatively correlated to return on assets, return on equity, and net interest margin. Cash reserve requirement, credit risk and inflation is positively correlated to return on assets and net interest margin. However, cost to income ratio is negatively correlated to return on assets and return on equity. Similarly, gross domestic product is negatively correlated to return on assets and net interest margin. Likewise the study of foreign banks depicts that cash reserve requirement, liquidity ratio, credit to deposit ratio, credit risk, gross domestic product is positively correlated toreturn on assets, return on equity, and net interest margin. While, capital adequacy ratio, and cost to income ratio is negatively correlated to return on assets, return on equity, and net interest margin.
The regression analysis of domestic banks revealed that capital adequacy ratio and credit to deposit ratio has positive impact on return on assets, return on equity and net interest margin. However, liquidity ratio has negative impact on return on assets, return on equity, and net interest margin. The beta coefficient of cash reserve requirement, credit risk and inflation has positive impact on return on assets and return on equity of domestic banks. However the beta coefficient of cost to income ratio have negative impact on return on assets and net interest margin of domestic banks. Similarly, cash reserve requirement, credit risk, credit to deposit ratio, liquidity ratio and GDP have positive impact on return on assets, return on equity, and net interest margin of foreign banks. However, capital adequacy ratio and cost to income ratio have negative impact on return on assets, return on equity, and net interest margin of foreign banks. Likewise, the beta coefficient of inflation has negative impact on return on assets and return on equity of foreign banks. Therefore, capital adequacy ratio, credit risk, credit to deposit ratio and cost to income ratio are the major factors affecting the profitability of domestic banks. However, capital adequacy ratio, credit risk and cost to income ratio are the major factors affecting the profitability of foreign banks.
Domestic and foreign banks profitability in Nepal: differences and their determinants [printed text] / Samjhana Khatri, Author . - 2017 . - 102p. ; GRP/Thesis + 8/B.
Languages : English
Class number: 330 Abstract: Financial performance of a firm can be analyzed in terms of profitability, dividend growth, sales turnover, asset base, capital employed among others. The main aim of bank is to earn profit along with the customer satisfaction. Bank profitability is defined as the net after-tax income or net earnings of a bank. Profitability is believed to be influenced by both endogenous and exogenous factors. The endogenous factors are firm specific factors that result from the decisions and policies of management. Examples of such factors are efficiency, profitability, liquidity, and capital structure and asset quality ratios. The exogenous factors are industrial structural factors such as ownership, market concentration and stock market development and other macroeconomic factors such as interest rate, inflation, gross domestic product, etc.
There are differences in domestic and foreign banks in terms of profitability. Doğan (2013) revealed that asset quality, return on equities, total assets and management effectiveness of domestic banks are higher than foreign banks.Sabi (1996) found that foreign banks are more profitable than domestic banks and did not expose to a greater liquidity or credit risk.Chantapong (2005) concluded that foreign bank’s profitability is higher than the average profitability of the domestic banks.Awdeh (2005) explained that foreign banks are more profitable and are less affected by the macroeconomic factors of the host country than domestic banks.
The main objective of this study is to analyze the differences and determinants of profitability (ROA, ROE and NIM) in context of foreign and domestic commercial banks of Nepal. The study is based on the secondary data of 21 Nepalese commercial banks with 147 observations for the period 2008/09 to 2014/15. The main source of data include various issues of Banking and Financial Statistics, Quarterly Economic Bulletin, Bank Supervision Report published by Nepal Rastra Bank and annual Reports of selected commercial banks. The pooled cross-sectional data analysis has been undertaken from the study. The research design adopted in this study is descriptive and causal comparative research design as it deals with the relationship betweencapital adequacy ratio, cash reserve requirement, liquidity ratio, credit to deposit ratio, credit risk, cost to income ratio, inflation, gross domestic product and profitability of Nepalese banks.
The result shows that NBBL have highest average ROA, ROE and ADBL has highest NIM among the selected commercial banks throughout the study period. Similarly average capital adequacy ratio is highest for SANBL (17.60), cash reserve requirement is highest for SUNBL (30.90), credit risk is highest for ADBL (12.96), credit to deposit ratio is highest for ADBL 105.95, liquidity ratio is highest for SCNBL (39.05), and cost to income ratio is highest for NBL (88.67).
The descriptive statistics of domestic banks shows that average return on assets, return on equity and net interest margin, capital adequacy ratio, cash reserve requirement, credit risk, credit to deposit ratio, liquidity ratio, cost to income ratio, inflation, and gross domestic product is 1.51 percent, 10.20 percent, 3.28 percent, 12.39 percent, 15.79 percent, 3.50 percent, 81.98 percent, 25.96 percent, 43.94 percent, 8.77 percent, 4.40 percent. Similarly, descriptive statistics of foreign banks reveals that averagereturn on assets, return on equity and net interest margin, capital adequacy ratio, cash reserve requirement, credit risk, credit to deposit ratio, liquidity ratio, cost to income ratio, inflation, and gross domestic product is 2.60 percent, 28.63 percent, 3.63 percent, 11.70 percent, 12.17 percent, 3.88 percent, 69.10 percent, 27.39 percent, 36.77 percent, 8.77 percent, 4.4 percent.
In case of domestic banks the study found that capital adequacy ratio and credit to deposit ratio is positively correlated to return on assets, return on equity, and net interest margin while liquidity ratio is negatively correlated to return on assets, return on equity, and net interest margin. Cash reserve requirement, credit risk and inflation is positively correlated to return on assets and net interest margin. However, cost to income ratio is negatively correlated to return on assets and return on equity. Similarly, gross domestic product is negatively correlated to return on assets and net interest margin. Likewise the study of foreign banks depicts that cash reserve requirement, liquidity ratio, credit to deposit ratio, credit risk, gross domestic product is positively correlated toreturn on assets, return on equity, and net interest margin. While, capital adequacy ratio, and cost to income ratio is negatively correlated to return on assets, return on equity, and net interest margin.
The regression analysis of domestic banks revealed that capital adequacy ratio and credit to deposit ratio has positive impact on return on assets, return on equity and net interest margin. However, liquidity ratio has negative impact on return on assets, return on equity, and net interest margin. The beta coefficient of cash reserve requirement, credit risk and inflation has positive impact on return on assets and return on equity of domestic banks. However the beta coefficient of cost to income ratio have negative impact on return on assets and net interest margin of domestic banks. Similarly, cash reserve requirement, credit risk, credit to deposit ratio, liquidity ratio and GDP have positive impact on return on assets, return on equity, and net interest margin of foreign banks. However, capital adequacy ratio and cost to income ratio have negative impact on return on assets, return on equity, and net interest margin of foreign banks. Likewise, the beta coefficient of inflation has negative impact on return on assets and return on equity of foreign banks. Therefore, capital adequacy ratio, credit risk, credit to deposit ratio and cost to income ratio are the major factors affecting the profitability of domestic banks. However, capital adequacy ratio, credit risk and cost to income ratio are the major factors affecting the profitability of foreign banks.
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Barcode Call number Media type Location Section Status 285/D 330 KHA Thesis/Dissertation Uniglobe Library Social Sciences Available Economic theory and operations / William J. Baumol
Title : Economic theory and operations Material Type: printed text Authors: William J. Baumol, Author Edition statement: 4th ed Publisher: New Delhi: Prentice Hall Publication Date: 1977 Pagination: 695p Size: Book Price: Rs.312 Languages : English Descriptors: Economics Keywords: 'economics' Class number: 330 Economic theory and operations [printed text] / William J. Baumol, Author . - 4th ed . - [S.l.] : New Delhi: Prentice Hall, 1977 . - 695p ; Book.
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Languages : English
Descriptors: Economics Keywords: 'economics' Class number: 330 Hold
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Barcode Call number Media type Location Section Status 551 330 BAU Books Uniglobe Library Social Sciences Available Economics / Samuelson, Paul A.
Title : Economics Material Type: printed text Authors: Samuelson, Paul A., Author Edition statement: 18th ed. Publisher: Tata Mcgraw-Hill Publication Date: 2005 Pagination: 776p Price: Rs.744 Languages : English Descriptors: Economics Keywords: 'economies' Class number: 330 Economics [printed text] / Samuelson, Paul A., Author . - 18th ed. . - [S.l.] : Tata Mcgraw-Hill, 2005 . - 776p.
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Languages : English
Descriptors: Economics Keywords: 'economies' Class number: 330 Hold
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Barcode Call number Media type Location Section Status 51 330 SAM Books Uniglobe Library Social Sciences Available 52 330 SAM Books Uniglobe Library Social Sciences Available Economics / Alain Anderton
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