Title : | Determinations of bank lending behavior in the commercial banks of Nepal | Material Type: | printed text | Authors: | Muna Baral, Author | Publication Date: | 2015 | Pagination: | 76p. | Size: | GRP/Thesis | Accompanying material: | 5/B | General note: | Including bibilography | Languages : | English | Descriptors: | Bank and banking Bank loans
| Keywords: | 'banks lending behavior commercial banks Nepal bank and banking' | Class number: | 332.175 | Abstract: | Bank lending behavior of the bank can be defined as the preferences and choices of bank while making loans and advances. In other words, bank lending behavior is the selection of bank’s investment on loans and advances on the account of constraints given by regulators, opportunities or threats provided by macroeconomic, factors and the preferences of customers etc.
This study investigates the determinants of bank lending behavior of commercial banks in Nepal. The specific objectives of this study were to investigate the trend of lending behaviour of Nepalese commercial banks,to analyze the structure and pattern of total loan to total asset, long term loan to total asset, short term loan to total asset, deposit, NPL, capital, weighted average interest spread, GDP and inflation ,to assess the properties of portfolios formed on deposit, NPL, capital, weighted average interest spread, GDP and inflation, to determine the relationship between bank specific and macro economic variables like deposit,NPL,capital, weighted average interest spread, GDP and inflation are present,to exmine the effect of bank lending in commecial bank of Nepal.
The research was based on secondary data. The methods used for secondary data analysis included descriptive statistics, regression analysis, etc. The major conclusion of the study is thatdeposit, non performing loan, capital, weighted average interest spread, GDP and inflation are among the most dominant variables that affect the bank lending in the context of Nepalese commercial banks. Deposit has negatively significant with bank lending at 1 percent level of significance. This result indicates that higher the deposit, lower the bank lending. Similarly, NPL, capital and GDP have positivesignificant relationship on the bank lending (in terms of TL/TA) of Nepalese commercial banks. This result indicates higher the NPL, capital and GDP, higher the bank lending. Likewise, deposit and NPL are negatively significant with bank lending at 1 percent level of significance and GDP and inflation has positive relationship to bank lending (in terms of LL/TA). Deposit and inflation are negatively significant level of 1 percent and 5 percent of significance. This result indicates that higher the deposit and inflation, lower the bank lending whereas NPL, capital and GDP have positive relation with bank lending .This result indicates that higher the NPL, capital and GDP lower the bank lending (in terms of SL/TA). |
Determinations of bank lending behavior in the commercial banks of Nepal [printed text] / Muna Baral, Author . - 2015 . - 76p. ; GRP/Thesis + 5/B. Including bibilography Languages : English Descriptors: | Bank and banking Bank loans
| Keywords: | 'banks lending behavior commercial banks Nepal bank and banking' | Class number: | 332.175 | Abstract: | Bank lending behavior of the bank can be defined as the preferences and choices of bank while making loans and advances. In other words, bank lending behavior is the selection of bank’s investment on loans and advances on the account of constraints given by regulators, opportunities or threats provided by macroeconomic, factors and the preferences of customers etc.
This study investigates the determinants of bank lending behavior of commercial banks in Nepal. The specific objectives of this study were to investigate the trend of lending behaviour of Nepalese commercial banks,to analyze the structure and pattern of total loan to total asset, long term loan to total asset, short term loan to total asset, deposit, NPL, capital, weighted average interest spread, GDP and inflation ,to assess the properties of portfolios formed on deposit, NPL, capital, weighted average interest spread, GDP and inflation, to determine the relationship between bank specific and macro economic variables like deposit,NPL,capital, weighted average interest spread, GDP and inflation are present,to exmine the effect of bank lending in commecial bank of Nepal.
The research was based on secondary data. The methods used for secondary data analysis included descriptive statistics, regression analysis, etc. The major conclusion of the study is thatdeposit, non performing loan, capital, weighted average interest spread, GDP and inflation are among the most dominant variables that affect the bank lending in the context of Nepalese commercial banks. Deposit has negatively significant with bank lending at 1 percent level of significance. This result indicates that higher the deposit, lower the bank lending. Similarly, NPL, capital and GDP have positivesignificant relationship on the bank lending (in terms of TL/TA) of Nepalese commercial banks. This result indicates higher the NPL, capital and GDP, higher the bank lending. Likewise, deposit and NPL are negatively significant with bank lending at 1 percent level of significance and GDP and inflation has positive relationship to bank lending (in terms of LL/TA). Deposit and inflation are negatively significant level of 1 percent and 5 percent of significance. This result indicates that higher the deposit and inflation, lower the bank lending whereas NPL, capital and GDP have positive relation with bank lending .This result indicates that higher the NPL, capital and GDP lower the bank lending (in terms of SL/TA). |
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