Bank capital adequacy ratio: a case study of Nepalese commercial bank / Brij Mohan Shah 

Public ISBD Title : Bank capital adequacy ratio: a case study of Nepalese commercial bank Material Type: printed text Authors: Brij Mohan Shah, Author Publication Date: 2017 Layout: 103p. Size: GRP/Thesis Accompanying material: 6/B Languages : English Descriptors: Bank capital Banks and banking Class number: 332.1 Abstract: Banking sector being one of the most highly leveraged sectors of any economy, face high risks. In the wake of the introduction of prudential regulation as an integral part of financial sector reforms, there has been a growing debate as to whether capital adequacy requirements are the best means to regulate the banking system (Fatima, 2014). In practice, capital adequacy ratios are involved by financial transactions of the bank such as profit and loss sharing financing and that made it unequal capital standards from time to time or from bank to other, banks must keep capital adequacy at specific minimum level to avoid risks and bankruptcy. Nevertheless, the capital level is determined by the bank requirements, by the risk and by the capital cost. Miller (1958) dealt with the issue of “cost of capital” and showed that under restrictive assumptions it does not matter whether a firm finances itself with a debt or equity financing. Juca et al. (2012) showed that the banks’ capital structure and its determinants initially concentrated on bank specific characteristics such as size, risk, liquidity, profitability and leverage. Mpuga (2002) argued that the inadequacy of minimum capital standards in accounting for risks in banks assets portfolio could be one of the major factors leading to bank failures. Epstein (2005) studied on capital adequacy failures and concludes that capital adequacy and ratio analysis (CAR) are failed strategies. The major purpose of this study is to examine the relationship between bank specific and macroeconomic variable with capital ratio in Nepalese commercial banks. The specific objectives are: to analyze the structure and pattern of dependent (capital adequacy ratio and core capital) and independent variables (return on assets, return on equity, deposit and bank size), to identify the effect of return on equity and return on assets on capital ratio, to examine the relationship between deposit and bank size and capital ratio and to examine the relationship between macro-economic factors such as GDP growth, inflation and interest rate on capital ratio of the bank. This study based on the secondary source of data which were gather for a sample of 20 commercial banks of Nepal within the time period from 2009/10 to 2014/15, leading to the total of 120 observations The secondary data have been obtained from Banking and Financial Statistics and Bank Supervision report published by Nepal Rastra Bank and annual report of selected banks. The research design adopted in this study is descriptive and causal comparative types as it deals with relationship of bank specific and macroeconomic factor like return on assets, return on equity, deposit, bank size, economic growth and inflation rate with CAR (capital adequacy ratio) and CORE (core capital). The statistical methods used in the analysis are descriptive statistics, correlation analysis and regression analysis. The result revealed that the return on assets and return on equity are positively correlated with capital adequacy ratio. Study reveals that deposits, bank size, economic growth and inflation rate are negatively correlated with capital adequacy ratio. It indicates that higher the deposits, bank size, economic growth and inflation rate, lower would be capital adequacy ratio. The result also shows that return on assets, return on equity and deposits are positively correlated to core capital. Study reveals that bank size, economic growth rate and inflation rate are negatively correlated to core capital. It is revealed that beta coefficient of return on assets is positive with capital adequacy ratio and core capital which indicates that banks having higher return on assets have higher capital adequacy ratio and core capital. The study concludes that return on assets and return on equity has positive and significant relationship with capital ratio indicating higher the return on assets and return on equity, higher would be the capital adequacy ratio and core capital. Similarly, deposit has negative and significant relationship with the capital adequacy ratio whereas it has positive impacts on the core capital for Nepalese commercial. The study also concludes that bank size has significant negative impact with both capital adequacy ratio and core capital of Nepalese commercial banks indicating higher the bank size; lower will be the capital adequacy ratio and core capital. Similarly, the study also concludes that economic growth and inflation rate has negative and significant impact on the capital adequacy ratio and core capital indicating that higher the economic growth and inflation rate lower would be the capital adequacy ratio and core capital. Bank capital adequacy ratio: a case study of Nepalese commercial bank [printed text] / Brij Mohan Shah, Author . - 2017 . -  : 103p. ; GRP/Thesis + 6/B. Languages : English Descriptors: Bank capital Banks and banking Class number: 332.1 Abstract: Banking sector being one of the most highly leveraged sectors of any economy, face high risks. In the wake of the introduction of prudential regulation as an integral part of financial sector reforms, there has been a growing debate as to whether capital adequacy requirements are the best means to regulate the banking system (Fatima, 2014). In practice, capital adequacy ratios are involved by financial transactions of the bank such as profit and loss sharing financing and that made it unequal capital standards from time to time or from bank to other, banks must keep capital adequacy at specific minimum level to avoid risks and bankruptcy. Nevertheless, the capital level is determined by the bank requirements, by the risk and by the capital cost. Miller (1958) dealt with the issue of “cost of capital” and showed that under restrictive assumptions it does not matter whether a firm finances itself with a debt or equity financing. Juca et al. (2012) showed that the banks’ capital structure and its determinants initially concentrated on bank specific characteristics such as size, risk, liquidity, profitability and leverage. Mpuga (2002) argued that the inadequacy of minimum capital standards in accounting for risks in banks assets portfolio could be one of the major factors leading to bank failures. Epstein (2005) studied on capital adequacy failures and concludes that capital adequacy and ratio analysis (CAR) are failed strategies. The major purpose of this study is to examine the relationship between bank specific and macroeconomic variable with capital ratio in Nepalese commercial banks. The specific objectives are: to analyze the structure and pattern of dependent (capital adequacy ratio and core capital) and independent variables (return on assets, return on equity, deposit and bank size), to identify the effect of return on equity and return on assets on capital ratio, to examine the relationship between deposit and bank size and capital ratio and to examine the relationship between macro-economic factors such as GDP growth, inflation and interest rate on capital ratio of the bank. This study based on the secondary source of data which were gather for a sample of 20 commercial banks of Nepal within the time period from 2009/10 to 2014/15, leading to the total of 120 observations The secondary data have been obtained from Banking and Financial Statistics and Bank Supervision report published by Nepal Rastra Bank and annual report of selected banks. The research design adopted in this study is descriptive and causal comparative types as it deals with relationship of bank specific and macroeconomic factor like return on assets, return on equity, deposit, bank size, economic growth and inflation rate with CAR (capital adequacy ratio) and CORE (core capital). The statistical methods used in the analysis are descriptive statistics, correlation analysis and regression analysis. The result revealed that the return on assets and return on equity are positively correlated with capital adequacy ratio. Study reveals that deposits, bank size, economic growth and inflation rate are negatively correlated with capital adequacy ratio. It indicates that higher the deposits, bank size, economic growth and inflation rate, lower would be capital adequacy ratio. The result also shows that return on assets, return on equity and deposits are positively correlated to core capital. Study reveals that bank size, economic growth rate and inflation rate are negatively correlated to core capital. It is revealed that beta coefficient of return on assets is positive with capital adequacy ratio and core capital which indicates that banks having higher return on assets have higher capital adequacy ratio and core capital. The study concludes that return on assets and return on equity has positive and significant relationship with capital ratio indicating higher the return on assets and return on equity, higher would be the capital adequacy ratio and core capital. Similarly, deposit has negative and significant relationship with the capital adequacy ratio whereas it has positive impacts on the core capital for Nepalese commercial. The study also concludes that bank size has significant negative impact with both capital adequacy ratio and core capital of Nepalese commercial banks indicating higher the bank size; lower will be the capital adequacy ratio and core capital. Similarly, the study also concludes that economic growth and inflation rate has negative and significant impact on the capital adequacy ratio and core capital indicating that higher the economic growth and inflation rate lower would be the capital adequacy ratio and core capital.

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Determinants of employee job satisfaction in Nepalese commercial banks / Binod Shrestha 

Public ISBD Title : Determinants of employee job satisfaction in Nepalese commercial banks Material Type: printed text Authors: Binod Shrestha, Author Publication Date: 2015 Pagination: 61p. Size: GRP/Thesis Accompanying material: 2/B General note: Including biilography Languages : English Descriptors: Employee motivation Job performance Job satisfaction Keywords: 'job satisfaction  commercial banks  banks  banks and banking  nepal' Class number: 332.1 Abstract: Job satisfaction is a multi-variable and indescribable concept. There are number of factors that influence job satisfaction of employees such as organizational and personal factors. The organizational determinants of job satisfaction play a very important role. The employees spend major part of their time in organization so there are number of organizational factors that determine job satisfaction of the employees. The job satisfaction in the organizations can be increased by organizing and managing the organizational factors. The organization determinants of job satisfaction are wages, nature of works, working condition, promotion, etc. These are very important factors because these factors motivate employees to perform well in an organization. Similarly the personal determinants also help a lot in maintaining the motivation and personal factors of the employees to work effectively and efficiently. Job satisfaction can be related to psychological factors and so numbers of personal factors such as personality, age, education and gender differences determine the job satisfaction of the employees. On the other hand, employees can be the terrorist of an organization in the sense that if employees are not well satisfied with the determinants of job satisfaction it can be harmful to the entire organization forcing employees to be careless towards doing the job. This study examines the relationship between job satisfaction and determinants of job satisfaction namely promotion, salary, working condition and nature of work in the context of Nepalese Commercial Banks This research is based on the primary survey and has involved interpretation of opinions of employees of various Nepalese banks. Public sector commercial bank i.e.RastriyaBanijya Bank Limited and Nepal Bank Limited are selected for survey. And in the case of private sector bank, 12 commercial banks are selected according to joint venture and non-joint venture commercial banks out of 32 commercial bank. Different statistical tools like mean, standard deviation, correlation analysis and regression analysis are used for primary data analysis. The study reveals that all the determinants of employee job satisfaction are positively correlated with job satisfaction. Determinants of employee job satisfaction in Nepalese commercial banks [printed text] / Binod Shrestha, Author . - 2015 . - 61p. ; GRP/Thesis + 2/B. Including biilography Languages : English Descriptors: Employee motivation Job performance Job satisfaction Keywords: 'job satisfaction  commercial banks  banks  banks and banking  nepal' Class number: 332.1 Abstract: Job satisfaction is a multi-variable and indescribable concept. There are number of factors that influence job satisfaction of employees such as organizational and personal factors. The organizational determinants of job satisfaction play a very important role. The employees spend major part of their time in organization so there are number of organizational factors that determine job satisfaction of the employees. The job satisfaction in the organizations can be increased by organizing and managing the organizational factors. The organization determinants of job satisfaction are wages, nature of works, working condition, promotion, etc. These are very important factors because these factors motivate employees to perform well in an organization. Similarly the personal determinants also help a lot in maintaining the motivation and personal factors of the employees to work effectively and efficiently. Job satisfaction can be related to psychological factors and so numbers of personal factors such as personality, age, education and gender differences determine the job satisfaction of the employees. On the other hand, employees can be the terrorist of an organization in the sense that if employees are not well satisfied with the determinants of job satisfaction it can be harmful to the entire organization forcing employees to be careless towards doing the job. This study examines the relationship between job satisfaction and determinants of job satisfaction namely promotion, salary, working condition and nature of work in the context of Nepalese Commercial Banks This research is based on the primary survey and has involved interpretation of opinions of employees of various Nepalese banks. Public sector commercial bank i.e.RastriyaBanijya Bank Limited and Nepal Bank Limited are selected for survey. And in the case of private sector bank, 12 commercial banks are selected according to joint venture and non-joint venture commercial banks out of 32 commercial bank. Different statistical tools like mean, standard deviation, correlation analysis and regression analysis are used for primary data analysis. The study reveals that all the determinants of employee job satisfaction are positively correlated with job satisfaction.

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Dividend policy and its impact on share price: a study on Nepalese commercial banks / Ankur Shrestha 

Public ISBD Title : Dividend policy and its impact on share price: a study on Nepalese commercial banks Material Type: printed text Authors: Ankur Shrestha, Author Publication Date: 2015 Pagination: 91p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Dividend policy Dividends Share_Price Keywords: 'dividend policy  share price volatility  banking  dividends  share' Class number: 332.1 Abstract: Dividend policy is a major financing decision that involves with the payment to shareholders in return of their investment. Every firm operating in a given industry follows some sort of dividend payment pattern or dividend policy and obviously it is a financial indicator of the firm. Demand of the firm's share should to some extent, dependent on the firm's dividend policy. Dividend policy is one of the most widely researched topics in the field of finance but the question is whether dividend policy affects stock prices still remain debatable among managers, policy makers and researchers for many years. Dividend policy is important for investors, managers, lenders and for other stakeholders. It is important for investors because investors consider dividends not only the source of income but also a way to assess the firms from investment points of view. Selecting a suitable dividend policy is an important decision for the bank because flexibility to invest in future projects depends on the amount of dividends that they pay to their shareholders. If company pay more dividends then fewer funds are available for investment in future projects. Lenders are also interested in the amount of dividend that a company declares, as more amounts is paid as dividend means less amount would be available to the company to pay off their obligation. This study attempts to investigate the impact of dividend policy on market price of the share of the commercial banks listed in the Nepal stock exchange. This study is based on both primary and secondary sources of data. The primary data have been obtained by conducting questionnaire survey with investors. The secondary data have been collected from the supervision report of Nepal Rastra Bank, annual reports of commercial banks, different published articles, reports and books. Descriptive research design and causal comparative research design has been used to deal with issues associated with the dividend policy and share price. This study is based on pooled cross-sectional analysis of secondary data of 17 commercial banks with 102 observation for the period of 2008 to 2013. Market price of share and share price volatility are selected as the dependent variables for this study. Earnings per share, retained ratio, dividend payout ratio and dividend yield ratio are the explanatory variables. Return on equity, profit after tax, liquidity, growth of total assets, size of total assets and leverage are used as the control variables. The multiple regression models are applied to test the significance and impact of dividend policy on market price of the shares listed in the Nepal stock exchange. The primary survey revealed that Nepalese commercial banks are paying dividend as per the desire of shareholders. But most of the respondents are not satisfied with the dividend payment by commercial banks. The majority of the respondents agree that dividend paying stocks offer more certainty about the company's future earnings prospects compared to stocks that do not pay dividends. The results of the survey revealed that the majority of the respondents prefer high dividend payout. Most of the respondents blamed government's investment policy for lack of development of Nepalese stock market. The primary survey also found that major reason for the respondent's investment in shares is the expectation of increased in market price. The survey revealed that most of the respondents agree that dividend payments are better signals of confidential information than other media forms; thus raising share value and payment of dividends is a demonstration that the firm is strong enough and can pass up profitable investments. The study concluded that market price of the share is negatively related with retained ratio and liquidity. There is a positive relation of market price of the share with earnings per share, return on equity and profit after tax. The result shows that higher the earnings per share, higher would be the market price of the share. The result also indicates that lower the retained earnings, higher would be the market price of the share and lower the liquidity, higher would be the market price of the share. The share price volatility is negatively related with dividend yield ratio and size of total assets. There is a positive relation of share price volatility with dividend payout ratio, leverage and growth of total assets. The result shows that lower the dividend payout ratio, lower would be the volatility of the share price and also lower the growth of total assets, lower would be the volatility of the share price. Dividend policy and its impact on share price: a study on Nepalese commercial banks [printed text] / Ankur Shrestha, Author . - 2015 . - 91p. ; GRP/Thesis + 4/B. Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Dividend policy Dividends Share_Price Keywords: 'dividend policy  share price volatility  banking  dividends  share' Class number: 332.1 Abstract: Dividend policy is a major financing decision that involves with the payment to shareholders in return of their investment. Every firm operating in a given industry follows some sort of dividend payment pattern or dividend policy and obviously it is a financial indicator of the firm. Demand of the firm's share should to some extent, dependent on the firm's dividend policy. Dividend policy is one of the most widely researched topics in the field of finance but the question is whether dividend policy affects stock prices still remain debatable among managers, policy makers and researchers for many years. Dividend policy is important for investors, managers, lenders and for other stakeholders. It is important for investors because investors consider dividends not only the source of income but also a way to assess the firms from investment points of view. Selecting a suitable dividend policy is an important decision for the bank because flexibility to invest in future projects depends on the amount of dividends that they pay to their shareholders. If company pay more dividends then fewer funds are available for investment in future projects. Lenders are also interested in the amount of dividend that a company declares, as more amounts is paid as dividend means less amount would be available to the company to pay off their obligation. This study attempts to investigate the impact of dividend policy on market price of the share of the commercial banks listed in the Nepal stock exchange. This study is based on both primary and secondary sources of data. The primary data have been obtained by conducting questionnaire survey with investors. The secondary data have been collected from the supervision report of Nepal Rastra Bank, annual reports of commercial banks, different published articles, reports and books. Descriptive research design and causal comparative research design has been used to deal with issues associated with the dividend policy and share price. This study is based on pooled cross-sectional analysis of secondary data of 17 commercial banks with 102 observation for the period of 2008 to 2013. Market price of share and share price volatility are selected as the dependent variables for this study. Earnings per share, retained ratio, dividend payout ratio and dividend yield ratio are the explanatory variables. Return on equity, profit after tax, liquidity, growth of total assets, size of total assets and leverage are used as the control variables. The multiple regression models are applied to test the significance and impact of dividend policy on market price of the shares listed in the Nepal stock exchange. The primary survey revealed that Nepalese commercial banks are paying dividend as per the desire of shareholders. But most of the respondents are not satisfied with the dividend payment by commercial banks. The majority of the respondents agree that dividend paying stocks offer more certainty about the company's future earnings prospects compared to stocks that do not pay dividends. The results of the survey revealed that the majority of the respondents prefer high dividend payout. Most of the respondents blamed government's investment policy for lack of development of Nepalese stock market. The primary survey also found that major reason for the respondent's investment in shares is the expectation of increased in market price. The survey revealed that most of the respondents agree that dividend payments are better signals of confidential information than other media forms; thus raising share value and payment of dividends is a demonstration that the firm is strong enough and can pass up profitable investments. The study concluded that market price of the share is negatively related with retained ratio and liquidity. There is a positive relation of market price of the share with earnings per share, return on equity and profit after tax. The result shows that higher the earnings per share, higher would be the market price of the share. The result also indicates that lower the retained earnings, higher would be the market price of the share and lower the liquidity, higher would be the market price of the share. The share price volatility is negatively related with dividend yield ratio and size of total assets. There is a positive relation of share price volatility with dividend payout ratio, leverage and growth of total assets. The result shows that lower the dividend payout ratio, lower would be the volatility of the share price and also lower the growth of total assets, lower would be the volatility of the share price.

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Effect of assets quality on the profitability of Nepalese commercial banks / Pravek Joshi 

Public ISBD Title : Effect of assets quality on the profitability of Nepalese commercial banks Material Type: printed text Authors: Pravek Joshi, Author Publication Date: 2017 Pagination: 99p. Size: GRP/Thesis Accompanying material: 8/B Languages : English Descriptors: Bank and banking Bank profits Class number: 332.1 Abstract: Commercial banks play an important role for economic development and foster economic growth by providing number of financial services. One of the important functions of the commercial banks is the financial intermediation functions and thus it transfers the fund from surplus units to the deficit units. It accepts deposits and provides loan and advances to the needed people, institutions and investors. Asset quality is known as the loan quality and has been defined as the overall risk attached to the various assets held by an individual or institution. It is most commonly used by banks to determine how many of their assets are at financial risk and how much allowance for potential losses they must make. The most common assets requiring a strict determination of asset quality are loans, which can be non-performing assets if borrowers default on repayment obligations. Risk managers often assess the quality of assets by assigning a numerical ranking to each asset depending upon how much risk is involved (Ombaba, 2013). The main objectives of the study are to figure out the effect of non-performing assets on the profitability of Nepalese commercial banks.This study is based on the commercial banks of Nepal. For the study purpose out of 29 commercial banks in Nepal 19 commercial banks has been selected. Data are collected for the time period of 2007/08 to 2014/15 leading to a total of 152 observations. 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 in the study. The research design adopted in this study is descriptive and causal comparative research design as it deals with the relationship between assets quality and profitability of Nepalese commercial banks. The result shows that NBBL has highest average ROA, and EBL has the highest average EPS among the selected commercial banks throughout the study period.Similarly, the average NPA is highest for NBB (10.54 percent), average bank size is highest for RBBL, average capital adequacy ratio is highest for NMB (18.36 percent), average interest rate spread is highest for NBL (6.94percent) and average bank operating is highest for NSBI (10.17 percent). The descriptive statistics for the Nepalese commercial banks reveals that the average return on assets, return on equity, non-performing assets,bank size, capital adequacy ratio, spread rate, bank operating expenses inflation rate and GDP is 1.92 percent, 39.02rupees, 3.33percent, 10.51 billion rupees times, 10.01 percent, 4.54 percent, 3.64 percent, 8.94 percent and is 4.58 percent respectively. The study found that non-performing assets, bank operating expenses, and inflation have negative relationship with return on assets. The results also show that capital adequacy ratio, bank size, spread rate and GDP is positively related to the return on assets. On the other hand, results also show that NPA, capital adequacy ratio, bank operating expenses and inflation is negatively related with earnings per share. However, the results show that bank size, spread rate and GDP have positive relationship with earnings per share. The regression results show that NPA and BOE have negative and significant impact on return on assets. However, results show that CAR and spread rate have positive and significant impact on ROA of Nepalese commercial banks. Likewise, results show that beta coefficients are positive and significant for bank size and spread rate on EPS for Nepalese commercial banks. The regression results show bank operating expenses have negative and significant impact on EPS of Nepalese commercial banks. The result reveals that non-performing assets, spread rate and bank operating expenses are major determining variables in terms of ROA. The result reveals that dividend bank size, spread rate and bank operating expenses are major determining variables in terms of EPS. Effect of assets quality on the profitability of Nepalese commercial banks [printed text] / Pravek Joshi, Author . - 2017 . - 99p. ; GRP/Thesis + 8/B. Languages : English Descriptors: Bank and banking Bank profits Class number: 332.1 Abstract: Commercial banks play an important role for economic development and foster economic growth by providing number of financial services. One of the important functions of the commercial banks is the financial intermediation functions and thus it transfers the fund from surplus units to the deficit units. It accepts deposits and provides loan and advances to the needed people, institutions and investors. Asset quality is known as the loan quality and has been defined as the overall risk attached to the various assets held by an individual or institution. It is most commonly used by banks to determine how many of their assets are at financial risk and how much allowance for potential losses they must make. The most common assets requiring a strict determination of asset quality are loans, which can be non-performing assets if borrowers default on repayment obligations. Risk managers often assess the quality of assets by assigning a numerical ranking to each asset depending upon how much risk is involved (Ombaba, 2013). The main objectives of the study are to figure out the effect of non-performing assets on the profitability of Nepalese commercial banks.This study is based on the commercial banks of Nepal. For the study purpose out of 29 commercial banks in Nepal 19 commercial banks has been selected. Data are collected for the time period of 2007/08 to 2014/15 leading to a total of 152 observations. 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 in the study. The research design adopted in this study is descriptive and causal comparative research design as it deals with the relationship between assets quality and profitability of Nepalese commercial banks. The result shows that NBBL has highest average ROA, and EBL has the highest average EPS among the selected commercial banks throughout the study period.Similarly, the average NPA is highest for NBB (10.54 percent), average bank size is highest for RBBL, average capital adequacy ratio is highest for NMB (18.36 percent), average interest rate spread is highest for NBL (6.94percent) and average bank operating is highest for NSBI (10.17 percent). The descriptive statistics for the Nepalese commercial banks reveals that the average return on assets, return on equity, non-performing assets,bank size, capital adequacy ratio, spread rate, bank operating expenses inflation rate and GDP is 1.92 percent, 39.02rupees, 3.33percent, 10.51 billion rupees times, 10.01 percent, 4.54 percent, 3.64 percent, 8.94 percent and is 4.58 percent respectively. The study found that non-performing assets, bank operating expenses, and inflation have negative relationship with return on assets. The results also show that capital adequacy ratio, bank size, spread rate and GDP is positively related to the return on assets. On the other hand, results also show that NPA, capital adequacy ratio, bank operating expenses and inflation is negatively related with earnings per share. However, the results show that bank size, spread rate and GDP have positive relationship with earnings per share. The regression results show that NPA and BOE have negative and significant impact on return on assets. However, results show that CAR and spread rate have positive and significant impact on ROA of Nepalese commercial banks. Likewise, results show that beta coefficients are positive and significant for bank size and spread rate on EPS for Nepalese commercial banks. The regression results show bank operating expenses have negative and significant impact on EPS of Nepalese commercial banks. The result reveals that non-performing assets, spread rate and bank operating expenses are major determining variables in terms of ROA. The result reveals that dividend bank size, spread rate and bank operating expenses are major determining variables in terms of EPS.

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Effect of leverage, dividend policy and profitability on value of Nepalese commecial banks / Shraddha Shrestha 

Public ISBD Title : Effect of leverage, dividend policy and profitability on value of Nepalese commecial banks Material Type: printed text Authors: Shraddha Shrestha, Author Publication Date: 2016 Pagination: 80p. Size: GRP/Thesis Accompanying material: 5/B General note: Including Bibilography Languages : English Descriptors: Banks Banks and banking Dividend policy Dividends Keywords: 'dividend policy  banking  dividends  return on assets  return on equity' Class number: 332.1 Abstract: Leverage, dividend policy and profitability is very important for both bank and country. It ensures the value of commercial bank. If bank fails to balance it in a proper way, it will significantly affect the bank and indirectly affect the country as well. The main purpose of this research is to analyze the effect of leverage, dividend policy and profitability on value of Nepalese commercial banks. This research had tried to investigate the internal (bank specific) that will affect decisions of dividend policy and value of firms. A total of 14 commercial banks are chosen to represent the Nepalese commercial banks during period form 2002/03 to 2013/14. The independent variables for this research are earnings per share, price earnings ratio, book value per share, return on assets, debt to equity, size and tax.For analysis of data descriptive statistics, correlation, and regression analysis among the dependent and independent is used.This study is based on secondary data and data are collected from the annual reports of the individual bank, Nepal Rastra Bank BFIs statistics, and audited balance sheet of respective bank, published journals and books. The correlation analysis shows that the dependent variable, market price of share is positively related to earnings per share, dividend per share, price earnings ratio, book value per share, return on assets and size, debt equity ratio, reserve and tax payable. However, the result shows that there is only significant positive relationship of earning per share and dividend per share, return on assets, size, reserve and tax with market price per share. The linear regression model is used to examine the relationship between dependent variable, dividend per share, market price per share and independent variables, firm specific. Among the firm specific variables, return on assets, size, earning per share, book value per share and debt to equity with dividend per share,size, earning per share and reserve shows the significant positive relationship with dividend per share. The regression of firm specific variables on market price per share shows that the beta coefficients are positive and significant for earning per share, return on assets, dividend per share, size and tax. Likewise, the beta coefficient of P/E ratio is also found to be positive and but not significant. The study shows that dividend per share is positively related with market per share and relationship is significant, which also supports the priori hypothesis of positive relationship with value of firms. The positive relationship with market value of firms indicates that increase in dividend per share leads to increase in market price per share. Return on assets, size and tax has also has significant relationship with market price per share. The positive coefficient of return on assets, size and tax to market price per share indicates increasing return on assets, size and tax contributes to increase in value of commercial banks which also support the prior hypothesis. Effect of leverage, dividend policy and profitability on value of Nepalese commecial banks [printed text] / Shraddha Shrestha, Author . - 2016 . - 80p. ; GRP/Thesis + 5/B. Including Bibilography Languages : English Descriptors: Banks Banks and banking Dividend policy Dividends Keywords: 'dividend policy  banking  dividends  return on assets  return on equity' Class number: 332.1 Abstract: Leverage, dividend policy and profitability is very important for both bank and country. It ensures the value of commercial bank. If bank fails to balance it in a proper way, it will significantly affect the bank and indirectly affect the country as well. The main purpose of this research is to analyze the effect of leverage, dividend policy and profitability on value of Nepalese commercial banks. This research had tried to investigate the internal (bank specific) that will affect decisions of dividend policy and value of firms. A total of 14 commercial banks are chosen to represent the Nepalese commercial banks during period form 2002/03 to 2013/14. The independent variables for this research are earnings per share, price earnings ratio, book value per share, return on assets, debt to equity, size and tax.For analysis of data descriptive statistics, correlation, and regression analysis among the dependent and independent is used.This study is based on secondary data and data are collected from the annual reports of the individual bank, Nepal Rastra Bank BFIs statistics, and audited balance sheet of respective bank, published journals and books. The correlation analysis shows that the dependent variable, market price of share is positively related to earnings per share, dividend per share, price earnings ratio, book value per share, return on assets and size, debt equity ratio, reserve and tax payable. However, the result shows that there is only significant positive relationship of earning per share and dividend per share, return on assets, size, reserve and tax with market price per share. The linear regression model is used to examine the relationship between dependent variable, dividend per share, market price per share and independent variables, firm specific. Among the firm specific variables, return on assets, size, earning per share, book value per share and debt to equity with dividend per share,size, earning per share and reserve shows the significant positive relationship with dividend per share. The regression of firm specific variables on market price per share shows that the beta coefficients are positive and significant for earning per share, return on assets, dividend per share, size and tax. Likewise, the beta coefficient of P/E ratio is also found to be positive and but not significant. The study shows that dividend per share is positively related with market per share and relationship is significant, which also supports the priori hypothesis of positive relationship with value of firms. The positive relationship with market value of firms indicates that increase in dividend per share leads to increase in market price per share. Return on assets, size and tax has also has significant relationship with market price per share. The positive coefficient of return on assets, size and tax to market price per share indicates increasing return on assets, size and tax contributes to increase in value of commercial banks which also support the prior hypothesis.

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Barcode	Call number	Media type	Location	Section	Status
213/D	332.1 SHR	Thesis/Dissertation	Uniglobe Library	Social Sciences	Available

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