Welcome to the Uniglobe Library
From this page you can:
| Home |
. BBA_BI Junction
Social Sciences
Refine your searchDeterminants of off balance sheet activities in commercial banks of Nepal / Chadani Pandey
Title : Determinants of off balance sheet activities in commercial banks of Nepal Material Type: printed text Authors: Chadani Pandey, Author Publication Date: 2018 Pagination: 101p. Size: GRP/Thesis Accompanying material: 11/B Languages : English Abstract: Executive summary
In the last few decades the banking system, across the globe, has witnessed an increasing usage of OBS activities as it is witnessed in banking area literatures. Since OBS activities offers several benefits in comparison to traditional banking activities (deposit collection and extending loan), there have been many hypotheses raised by researchers and policy analysts to justify the existence of these activities. These hypotheses include, generating of fee income, avoiding regulatory taxes, more flexibility at breakdown points, and risk management tool (Middi, 2016).
Off balance sheet activities have become an issue of global significance and have received attention for being a source of fee income that is beyond a bank’s balance sheet activities and avoiding regulatory costs (kasa,2013). Although much literature is available on off-balance sheet (OBS) activities in banking system, this is the first paper that investigates the off-balance sheet activities in Nepalese banking industry. As we know that private banks basically interested to earn profit from their business. In case of loss or a negative trend of profit or in case the rate of increasing profit is low, they want to neutralize these problems by entering into certain fee based activities. As a result of which they go for Forward exchange contracts, endorsements and acceptances and other fee based income (Swain and Panda, 2017).
It aims to test the variables that determine the OBS activities of Nepalese commercial banks using panel data set during the period of ten years from 2007/08 to 2016/17, with a sample of fifteen commercial banks. To answer research questions and test the hypotheses the study adopted the quantitative research approach. The model considers the impact of return on assets, net interest margin, capital adequacy ratio, net non- performing assets and liquidity on off balance sheet activities of banks. The variables were analyzed using various descriptive and inferential statistics. The descriptive statistical tool like minimum, maximum, mean, standard deviation, Coefficient of variation along with trend analysis were done on the variables under the study.
The result revealed that beta coefficients are negative for liquiditywith acceptance and endorsement. It indicates that liquidity has negative impact on acceptance and endorsement. The result also shows that non-performing loan has negative beta coefficients. It indicates that non-performing loan has negative impact on off-balance sheet activities.
The result shows that beta coefficients are positive for capital adequacy ratio. It indicates that capital adequacy ratio has positive impact on acceptance and endorsement. This means when commercial banks have an adequate CAR ratio they can go for more OBS activities and avoid OBS activities in the reverse case. Similarly, the study shows that beta coefficients are positive for net interest margin. It indicates that net interest margin has positive impact on acceptance and endorsement. Likewise, the beta coefficients are positive for return on assets with acceptance and endorsement. It indicates that return on assets has positive impact on acceptance and endorsement.
The regression results indicates that beta coefficient are positive for capital adequacy ratio, liquid to total assets, net interest margin and return on assets with forward exchange contract. It indicates that capital adequacy ratio has positive impact on forward exchange contract. Likewise, the result shows that the positive beta coefficient for liquidity. It indicates that the liquidity has positive impact on forward exchange contract. Similarly, the positive beta coefficient for net interest margin with forward exchange contract. It indicates that the net interest margin has positive impact on forward exchange contract. Also positive beta coefficient for return on assets with forward exchange contract that indicates that the return on assets has positive impact on forward exchange contract. However, the beta coefficients are negative for net non-performing assets with forward exchange contract. It indicate that non-performing assets has negative impact on forward exchange contract.
Since, the study was conducted for the first time in context of Nepal, hence no literature or empirical evidence were found which limits the scope of study of determinants of Off-balance sheet activities of commercial banks of Nepal. Therefore, this research provides a basis of conducting further research on the field of off balance sheet activities of commercial banks of Nepal.
Determinants of off balance sheet activities in commercial banks of Nepal [printed text] / Chadani Pandey, Author . - 2018 . - 101p. ; GRP/Thesis + 11/B.
Languages : English
Abstract: Executive summary
In the last few decades the banking system, across the globe, has witnessed an increasing usage of OBS activities as it is witnessed in banking area literatures. Since OBS activities offers several benefits in comparison to traditional banking activities (deposit collection and extending loan), there have been many hypotheses raised by researchers and policy analysts to justify the existence of these activities. These hypotheses include, generating of fee income, avoiding regulatory taxes, more flexibility at breakdown points, and risk management tool (Middi, 2016).
Off balance sheet activities have become an issue of global significance and have received attention for being a source of fee income that is beyond a bank’s balance sheet activities and avoiding regulatory costs (kasa,2013). Although much literature is available on off-balance sheet (OBS) activities in banking system, this is the first paper that investigates the off-balance sheet activities in Nepalese banking industry. As we know that private banks basically interested to earn profit from their business. In case of loss or a negative trend of profit or in case the rate of increasing profit is low, they want to neutralize these problems by entering into certain fee based activities. As a result of which they go for Forward exchange contracts, endorsements and acceptances and other fee based income (Swain and Panda, 2017).
It aims to test the variables that determine the OBS activities of Nepalese commercial banks using panel data set during the period of ten years from 2007/08 to 2016/17, with a sample of fifteen commercial banks. To answer research questions and test the hypotheses the study adopted the quantitative research approach. The model considers the impact of return on assets, net interest margin, capital adequacy ratio, net non- performing assets and liquidity on off balance sheet activities of banks. The variables were analyzed using various descriptive and inferential statistics. The descriptive statistical tool like minimum, maximum, mean, standard deviation, Coefficient of variation along with trend analysis were done on the variables under the study.
The result revealed that beta coefficients are negative for liquiditywith acceptance and endorsement. It indicates that liquidity has negative impact on acceptance and endorsement. The result also shows that non-performing loan has negative beta coefficients. It indicates that non-performing loan has negative impact on off-balance sheet activities.
The result shows that beta coefficients are positive for capital adequacy ratio. It indicates that capital adequacy ratio has positive impact on acceptance and endorsement. This means when commercial banks have an adequate CAR ratio they can go for more OBS activities and avoid OBS activities in the reverse case. Similarly, the study shows that beta coefficients are positive for net interest margin. It indicates that net interest margin has positive impact on acceptance and endorsement. Likewise, the beta coefficients are positive for return on assets with acceptance and endorsement. It indicates that return on assets has positive impact on acceptance and endorsement.
The regression results indicates that beta coefficient are positive for capital adequacy ratio, liquid to total assets, net interest margin and return on assets with forward exchange contract. It indicates that capital adequacy ratio has positive impact on forward exchange contract. Likewise, the result shows that the positive beta coefficient for liquidity. It indicates that the liquidity has positive impact on forward exchange contract. Similarly, the positive beta coefficient for net interest margin with forward exchange contract. It indicates that the net interest margin has positive impact on forward exchange contract. Also positive beta coefficient for return on assets with forward exchange contract that indicates that the return on assets has positive impact on forward exchange contract. However, the beta coefficients are negative for net non-performing assets with forward exchange contract. It indicate that non-performing assets has negative impact on forward exchange contract.
Since, the study was conducted for the first time in context of Nepal, hence no literature or empirical evidence were found which limits the scope of study of determinants of Off-balance sheet activities of commercial banks of Nepal. Therefore, this research provides a basis of conducting further research on the field of off balance sheet activities of commercial banks of Nepal.
Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 478/D PAN Thesis/Dissertation BBA_BI Junction Social Sciences Available
Title : Fundamentals of international banking (P) Material Type: printed text Publication Date: 2017 Price: Rs.105 Languages : English Descriptors: Banks and banking
Banks and banking, internationalKeywords: 'international banking' Class number: 332.15 Fundamentals of international banking (P) [printed text] . - 2017.
Rs.105
Languages : English
Descriptors: Banks and banking
Banks and banking, internationalKeywords: 'international banking' Class number: 332.15 Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 6655 332.15 FUN Books BBA_BI Junction Social Sciences Due for return by 08/08/2020 6656 332.15 FUN Books BBA_BI Junction Social Sciences Available 6657 332.15 FUN Books BBA_BI Junction Social Sciences Available 6658 332.15 FUN Books BBA_BI Junction Social Sciences Available 6660 332.15 FUN Books BBA_BI Junction Social Sciences Available 6661 332.15 FUN Books BBA_BI Junction Social Sciences Available 6662 332.15 FUN Books BBA_BI Junction Social Sciences Available 6663 332.15 FUN Books BBA_BI Junction Social Sciences Due for return by 07/25/2023 6664 332.15 FUN Books BBA_BI Junction Social Sciences Available 6665 332.15 FUN Books BBA_BI Junction Social Sciences Available 6666 332.15 FUN Books BBA_BI Junction Social Sciences Available 6667 332.15 FUN Books BBA_BI Junction Social Sciences Available 6668 332.15 FUN Books BBA_BI Junction Social Sciences Available 6669 332.15 FUN Books BBA_BI Junction Social Sciences Available 6670 332.15 FUN Books BBA_BI Junction Social Sciences Available 6671 332.15 FUN Books BBA_BI Junction Social Sciences Available 6672 332.15 FUN Books BBA_BI Junction Social Sciences Available 6673 332.15 FUN Books BBA_BI Junction Social Sciences Available 6674 332.15 FUN Books BBA_BI Junction Social Sciences Available 6675 332.15 FUN Books BBA_BI Junction Social Sciences Available 6676 332.15 FUN Books BBA_BI Junction Social Sciences Available 6677 332.15 FUN Books BBA_BI Junction Social Sciences Available 6678 332.15 FUN Books BBA_BI Junction Social Sciences Available 6679 332.15 FUN Books BBA_BI Junction Social Sciences Available 6659 332.15 FUN Books BBA_BI Junction Social Sciences Available 8184 332.15 FUN Books Uniglobe Library Social Sciences Available 8185 332.15 FUN Books Uniglobe Library Social Sciences Available 8186 332.15 FUN Books Uniglobe Library Social Sciences Available 8187 332.15 FUN Books Uniglobe Library Social Sciences Available 8188 332.15 FUN Books Uniglobe Library Social Sciences Available 8189 332.15 FUN Books Uniglobe Library Social Sciences Available 8190 332.15 FUN Books Uniglobe Library Social Sciences Available 8191 332.15 FUN Books Uniglobe Library Social Sciences Available 8192 332.15 FUN Books Uniglobe Library Social Sciences Available 8193 332.15 FUN Books Uniglobe Library Social Sciences Available
Title : Life and health Insurance Material Type: printed text Publication Date: 2017(P) Price: Rs. 245 Languages : English Descriptors: Health insurance
Life insuranceKeywords: 'life insurance health insurance insurance policies' Class number: 368.32 Life and health Insurance [printed text] . - 2017(P).
Rs. 245
Languages : English
Descriptors: Health insurance
Life insuranceKeywords: 'life insurance health insurance insurance policies' Class number: 368.32 Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 6630 368.32 LIF Books BBA_BI Junction Social Sciences Available 6631 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 09/28/2017 6632 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/03/2024 6633 368.32 LIF Books BBA_BI Junction Social Sciences Available 6634 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/03/2024 6635 368.32 LIF Books BBA_BI Junction Social Sciences Available 6636 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/02/2024 6637 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 12/07/2024 6638 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 09/05/2023 6639 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 05/05/2022 6640 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/02/2024 6641 368.32 LIF Books BBA_BI Junction Social Sciences Available 6642 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 12/07/2024 6643 368.32 LIF Books BBA_BI Junction Social Sciences Available 6644 368.32 LIF Books BBA_BI Junction Social Sciences Available 6645 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 05/05/2024 6646 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 09/30/2024 6647 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/02/2024 6648 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/02/2024 6649 368.32 LIF Books BBA_BI Junction Social Sciences Available 6650 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 12/07/2024 6651 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/07/2024 6652 368.32 LIF Books BBA_BI Junction Social Sciences Available 6653 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/06/2024 6654 368.32 LIF Books BBA_BI Junction Social Sciences Due for return by 10/03/2024 10679 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/28/2024 10680 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/28/2024 10681 368.32 LIF Books Uniglobe Library Social Sciences Available 10682 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/30/2024 10683 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 10/05/2024 11151 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 10/02/2024 11152 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/30/2024 11153 368.32 LIF Books Uniglobe Library Social Sciences Available 11154 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/28/2024 11155 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/28/2024 11156 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 09/29/2024 11157 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 10/03/2024 11158 368.32 LIF Books Uniglobe Library Social Sciences Available 11159 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 02/13/2023 11160 368.32 LIF Books Uniglobe Library Social Sciences Due for return by 04/10/2023
Title : Principles of risk management Material Type: printed text Authors: George E. Rejda, Author Edition statement: 10th ed Publisher: Delhi; Prentice-Hall Publication Date: 2011 Pagination: 784p Size: Books Price: Rs.1200 Languages : English Descriptors: Insurance
Risk (Insurance)
Risk managementKeywords: 'risk insurance risk management' Class number: 368 Principles of risk management [printed text] / George E. Rejda, Author . - 10th ed . - [S.l.] : Delhi; Prentice-Hall, 2011 . - 784p ; Books.
Rs.1200
Languages : English
Descriptors: Insurance
Risk (Insurance)
Risk managementKeywords: 'risk insurance risk management' Class number: 368 Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 7025 368 REJ Books BBA_BI Junction Social Sciences Due for return by 01/11/2020 7026 368 REJ Books BBA_BI Junction Social Sciences Available 7027 368 REJ Books BBA_BI Junction Social Sciences Due for return by 01/20/2020 7028 368 REJ Books BBA_BI Junction Social Sciences Available 7029 368 REJ Books BBA_BI Junction Social Sciences Available 5424 368 REJ Books Uniglobe Library Social Sciences Available 5425 368 REJ Books Uniglobe Library Social Sciences Available 5426 368 REJ Books Uniglobe Library Social Sciences Available 5427 368 REJ Books Uniglobe Library Social Sciences Available 5428 368 REJ Books Uniglobe Library Social Sciences Available 5429 368 REJ Books Uniglobe Library Social Sciences Available 5430 368 REJ Books Uniglobe Library Social Sciences Available 5431 368 REJ Books Uniglobe Library Social Sciences Available 5432 368 REJ Books Uniglobe Library Social Sciences Available 5433 368 REJ Books Uniglobe Library Social Sciences Available 5434 368 REJ Books Uniglobe Library Social Sciences Available 5435 368 REJ Books Uniglobe Library Social Sciences Available 5436 368 REJ Books Uniglobe Library Social Sciences Available 5437 368 REJ Books Uniglobe Library Social Sciences Available 5438 368 REJ Books Uniglobe Library Social Sciences Due for return by 05/27/2023 5439 368 REJ Books Uniglobe Library Social Sciences Available 5440 368 REJ Books Uniglobe Library Social Sciences Available 5441 368 REJ Books Uniglobe Library Social Sciences Available 5442 368 REJ Books Uniglobe Library Social Sciences Available 5443 368 REJ Books Uniglobe Library Social Sciences Due for return by 12/11/2018
Title : Risk management and insurance Material Type: printed text Authors: Scott E. Haringtoon, Author Edition statement: 2nd ed. Publisher: Delhi: Mc Graw Hill Publication Date: 2004. Pagination: 672p. Size: Book Price: Rs.1278 Languages : English Descriptors: Insurance
Risk (insurance)
Risk managementKeywords: 'risk management risk insurance' Class number: 368 Risk management and insurance [printed text] / Scott E. Haringtoon, Author . - 2nd ed. . - [S.l.] : Delhi: Mc Graw Hill, 2004. . - 672p. ; Book.
Rs.1278
Languages : English
Descriptors: Insurance
Risk (insurance)
Risk managementKeywords: 'risk management risk insurance' Class number: 368 Hold
Place a hold on this item
Copies
Barcode Call number Media type Location Section Status 7030 368 HAR Books BBA_BI Junction Social Sciences Available 7031 368 HAR Books BBA_BI Junction Social Sciences Available 7032 368 HAR Books BBA_BI Junction Social Sciences Available 7033 368 HAR Books BBA_BI Junction Social Sciences Available 7034 368 HAR Books BBA_BI Junction Social Sciences Not for loan 6590 368 HAR Books BBA_BI Junction Social Sciences Available 6591 368 HAR Books BBA_BI Junction Social Sciences Available 6592 368 HAR Books BBA_BI Junction Social Sciences Available 6593 368 HAR Books BBA_BI Junction Social Sciences Available 6594 368 HAR Books BBA_BI Junction Social Sciences Available 6595 368 HAR Books BBA_BI Junction Social Sciences Available 6596 368 HAR Books BBA_BI Junction Social Sciences Available 6597 368 HAR Books BBA_BI Junction Social Sciences Available 6598 368 HAR Books BBA_BI Junction Social Sciences Due for return by 05/24/2018 6599 368 HAR Books BBA_BI Junction Social Sciences Available 6600 368 HAR Books BBA_BI Junction Social Sciences Available 6601 368 HAR Books BBA_BI Junction Social Sciences Available 6602 368 HAR Books BBA_BI Junction Social Sciences Available 6604 368 HAR Books BBA_BI Junction Social Sciences Available 6605 368 HAR Books BBA_BI Junction Social Sciences Available 6606 368 HAR Books BBA_BI Junction Social Sciences Available 6607 368 HAR Books BBA_BI Junction Social Sciences Available 6609 368 HAR Books BBA_BI Junction Social Sciences Available 6603 368 HAR Books BBA_BI Junction Social Sciences Available 6608 368 HAR Books BBA_BI Junction Social Sciences Available 5973 368 HAR Books Uniglobe Library Social Sciences Available 5974 368 HAR Books Uniglobe Library Social Sciences Available 5975 368 HAR Books Uniglobe Library Social Sciences Available 5976 368 HAR Books Uniglobe Library Social Sciences Available 5977 368 HAR Books Uniglobe Library Social Sciences Available 5978 368 HAR Books Uniglobe Library Social Sciences Available 5979 368 HAR Books Uniglobe Library Social Sciences Available 5980 368 HAR Books Uniglobe Library Social Sciences Available
