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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 Funds allocation and deposit mobilization of commercial banks in Nepal / Sabina Shrestha
Title : Funds allocation and deposit mobilization of commercial banks in Nepal Material Type: printed text Authors: Sabina Shrestha, Author Publication Date: 2013 Pagination: 87p. Size: GRP/Thesis Accompanying material: 1/B Languages : English Descriptors: Deposit banking
Funds allocationKeywords: 'funds allocation bank deposits deposit mobilization' Class number: 332.175 Abstract: Deposit is one of the important domestic capital formation factors that lead to increase in the size of national income and employment, solving the problem of inflation and balance of payment and foreign debts. Domestic capital formation helps in making a country self sustainable. For the development of any country, the financial sector of that country is responsible and must be strong. Therefore, commercial banks are the important financial intermediaries serving the general public by lending and investing in many areas or sectors of the economy. So the empirical relationship between the deposit and its explanatory variables are stated as the research questions followed by the development of the hypothesis. The major objective of this study is to analyze the relationship between the deposit and its explanatory variables.
the review of literature has shown the relationship between various factors such as interest rates, GDP, branch expansion, household savings, investment, loans & advances , asset purchased etc. as and the deposit mobilization in the case of both developed and developing countries. In addition, investment, loans & advances, asset purchased are some of the variables that are found to have significant association with deposit in various contexts. Based on the reviews, this study has proposed the conceptual framework identifying investment, loans & advances and asset purchased as the most important factors affecting the deposit mobilization of the commercial bank in Nepal.
For the purpose of study 12 listed commercial banks deposit from systematic random sampling is taken as sample and required data such as deposit and other independent variables are collected from various secondary sources for period of 12 years i.e. 2001 to 2012. Systematic random sampling method is used to select the sample commercial banks. Primary questionnaire survey is also conducted in order to assess the opinions of bank’s manager on deposit mobilization processes. Multiple regression analysis and correlation analysis are used to examine the connection between the deposit and the independent variables. Likewise, portfolio sorted on one way sorts of three independent variables is also employed to see if the relationship shown by regression and correlation analysis really exists.
The result of secondary data analysis shows that the investment, loans & advances and asset purchased have strong and significant positive impact on deposit. Likewise, in contradiction to the findings of the secondary data, the primary survey reveals that loans & advances, investment and asset purchased are the most important sectors of deposit mobilization.
The major limitations of this study lies in the fact that this study has excluded some firm specific and other productive sectors where the commercial banks could have mobilized its resources effectively and efficiently. Despite, the limitations of this study, the findings and research are still applicable in the case of Nepalese commercial banks. So this study is highly significant for commercial banks itself, depositors and the regulators too.
Funds allocation and deposit mobilization of commercial banks in Nepal [printed text] / Sabina Shrestha, Author . - 2013 . - 87p. ; GRP/Thesis + 1/B.
Languages : English
Descriptors: Deposit banking
Funds allocationKeywords: 'funds allocation bank deposits deposit mobilization' Class number: 332.175 Abstract: Deposit is one of the important domestic capital formation factors that lead to increase in the size of national income and employment, solving the problem of inflation and balance of payment and foreign debts. Domestic capital formation helps in making a country self sustainable. For the development of any country, the financial sector of that country is responsible and must be strong. Therefore, commercial banks are the important financial intermediaries serving the general public by lending and investing in many areas or sectors of the economy. So the empirical relationship between the deposit and its explanatory variables are stated as the research questions followed by the development of the hypothesis. The major objective of this study is to analyze the relationship between the deposit and its explanatory variables.
the review of literature has shown the relationship between various factors such as interest rates, GDP, branch expansion, household savings, investment, loans & advances , asset purchased etc. as and the deposit mobilization in the case of both developed and developing countries. In addition, investment, loans & advances, asset purchased are some of the variables that are found to have significant association with deposit in various contexts. Based on the reviews, this study has proposed the conceptual framework identifying investment, loans & advances and asset purchased as the most important factors affecting the deposit mobilization of the commercial bank in Nepal.
For the purpose of study 12 listed commercial banks deposit from systematic random sampling is taken as sample and required data such as deposit and other independent variables are collected from various secondary sources for period of 12 years i.e. 2001 to 2012. Systematic random sampling method is used to select the sample commercial banks. Primary questionnaire survey is also conducted in order to assess the opinions of bank’s manager on deposit mobilization processes. Multiple regression analysis and correlation analysis are used to examine the connection between the deposit and the independent variables. Likewise, portfolio sorted on one way sorts of three independent variables is also employed to see if the relationship shown by regression and correlation analysis really exists.
The result of secondary data analysis shows that the investment, loans & advances and asset purchased have strong and significant positive impact on deposit. Likewise, in contradiction to the findings of the secondary data, the primary survey reveals that loans & advances, investment and asset purchased are the most important sectors of deposit mobilization.
The major limitations of this study lies in the fact that this study has excluded some firm specific and other productive sectors where the commercial banks could have mobilized its resources effectively and efficiently. Despite, the limitations of this study, the findings and research are still applicable in the case of Nepalese commercial banks. So this study is highly significant for commercial banks itself, depositors and the regulators too.
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Barcode Call number Media type Location Section Status 07/D 332.175 SHR Thesis/Dissertation Uniglobe Library Social Sciences Available