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Refine your search Apply to external sourcesIntroduction to risk management and insurence / Mark S. Dortman
Title : Introduction to risk management and insurence Material Type: printed text Authors: Mark S. Dortman, Author Edition statement: 8th ed Publisher: Dorling Kingdom, Pearson Education Publication Date: 2005 Pagination: 605p Size: Book Price: Rs.712 Languages : English Descriptors: Insurence
Risk (Insurance)
Risk managementKeywords: 'risk risk management insurance' Class number: 368 Introduction to risk management and insurence [printed text] / Mark S. Dortman, Author . - 8th ed . - [S.l.] : Dorling Kingdom, Pearson Education, 2005 . - 605p ; Book.
Rs.712
Languages : English
Descriptors: Insurence
Risk (Insurance)
Risk managementKeywords: 'risk risk management insurance' Class number: 368 Hold
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Barcode Call number Media type Location Section Status 566 368 DOR Books Uniglobe Library Social Sciences Available
Title : Principles of risk management and insurance Material Type: printed text Authors: George E. Rejda, Author ; Michael McNamara, Author Publication Date: 2018 Pagination: 720p. Size: GRP/Thesis Price: Rs.1070 Languages : English Descriptors: Insurance
Risk managementClass number: 368 Principles of risk management and insurance [printed text] / George E. Rejda, Author ; Michael McNamara, Author . - 2018 . - 720p. ; GRP/Thesis.
Rs.1070
Languages : English
Descriptors: Insurance
Risk managementClass number: 368 Hold
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Barcode Call number Media type Location Section Status 7424 368 REJ Books Uniglobe Library Social Sciences Due for return by 05/18/2023 7425 368 REJ Books Uniglobe Library Social Sciences Available 7426 368 REJ Books Uniglobe Library Social Sciences Due for return by 05/17/2023
Title : Risk management:..... Material Type: printed text Authors: Kotreshwar, G., Author Publisher: Mumbai: Himalaya Publication Date: 2005 Pagination: 397p Size: Book Languages : English Descriptors: Risk (Insurance)
Risk managementKeywords: 'risk management insurance risk' Class number: 368 Risk management:..... [printed text] / Kotreshwar, G., Author . - [S.l.] : Mumbai: Himalaya, 2005 . - 397p ; Book.
Languages : English
Descriptors: Risk (Insurance)
Risk managementKeywords: 'risk management insurance risk' Class number: 368 Hold
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Barcode Call number Media type Location Section Status 2732 368 KOT Books Uniglobe Library Social Sciences Available
Title : Risk management and financial performance in Nepalese commercial banks Material Type: printed text Authors: Rusha Shrestha, Author Publication Date: 2017 Size: GRP/Thesis Accompanying material: 99p. Languages : English Descriptors: Risk management Class number: 332.106 Abstract: Banking sector plays a significant role in channelling funds to industries and contributing towards economic and financial growth and stability. Risk management refers to a process of identifying loss exposures faced by an organization and selecting the most appropriate techniques for treating these particular exposures effectively (Rejda, 2003). It involves identification, measurement, monitoring and controlling risks. Risk management is the process of assessing risk, taking steps to reduce risk to an acceptable level and maintaining that level of risk (Ahmed et al., 2007). The relationship between risk management and financial performance is of great concern in today’s cut throat competition in the banking industry. The risk inherent in bank lending increases the profitability of the banks on one hand while on the other hand, it can lead to the bank failure too if not managed properly. In such circumstances, liquidity, capital adequacy ratio, inflation, non performing loan, interest rate spread, gross domestic product and debt to equity and the concept of wise lending plays a great role for analyzing the impact of risk management on the financial performance of commercial banks.
This study attempts to explore the relationship of Risk management and financial performance of selected commercial banks in context of Nepal. This study is based on the secondary data for 21 commercial banks with 126 observations for the period of 2009/10 to 2014/15. The data and information are collected from various issues of Banking and Financial Statistics, Bank Supervision Report published by NRB and annual reports of the selected commercial banks. The research design adopted in this study is descriptive and causal comparative research design as this study examines the impact of, capital adequacy, inflation, non performing loan, interest rate spread, GDP and debt to equity on financial performance of Nepalese commercial banks.
The result shows that average return on assets is highest for NBB (3.20 percent) and lowest for MBL (0.57 percent). The average net interest margin is highest for ADBL (6.13 percent)and lowest for NSBI (2.43 percent). The average liquidity ratio is highest for NCC (35.11 times) and lowest for RBBL (2.02 times).The average capital adequacy ratio is highest for JBL (28.75 percent) and lowest for RBBL (-6.71 percent). The inflation rate is highest in year 2012/13 (9.90 percent) and lowest in year 2014/15 (7.20 percent). The average non performing loan is highest for ADBL (22.04) and lowest for JBL (9.29). The average interest rate spread is highest for NBL (6.84 percent) and lowest for JBL (2.82 percent). The gross domestic product is highest for the year 2013/14 (5.40 percent) and lowest for the year 2014/15. The average debt to equity is highest for NSBI (14.12 times) and lowest for NBL (-6.60 times).
The descriptive statistics for commercial banks shows that return on assets, net interest margin, liquidity ratio, capital adequacy ratio, inflation, non performing loan, interest rate spread, gross domestic product and debt to equity is 1.61 percent, 3.30 times, 13.98 times, 11.82 percent, 8.95 percent, 19.12, 4.35 percent, 4.32 percent and 8.80 percent respectively.
The correlation matrix shows that liquidity ratio and capital adequacy ratio are positively related to return on assets, while inflation, non performing loan, interest rate spread, gross domestic product and debt to equity are negatively related to return on assets. The result states that net interest margin is found to have negative relation with liquidity ratio, capital adequacy ratio, gross domestic product and debt to equity while inflation, non performing loan and interest rate spread have positive relation with net interest margin.
The regression analysis reveals that The beta coefficients are negative for liquidity ratio and capital adequacy ratio with return on assets which indicates that the increase in liquidity ratio and capital adequacy ratio leads to decrease in return on assets and vice versa. However, inflation, non performing loan, interest rate spread, gross domestic product and debt to equity have positive impact on return on assets which indicates that higher the nonperforming loan, interest rate spread, gross domestic product and debt to equity higher would be the return on assets.
On the other hand, liquidity ratio, capital adequacy ratio, gross domestic product and debt to equity have negative impact on net interest margin which indicates that higher the capital adequacy ratio, gross domestic product and debt to equity lower would be the net interest margin. However, the study reveals that inflation, non performing loan and interest rate spread have positive impact on net interest margin which indicates that higher the inflation, non performing loan and interest rate spread, higher would be the net interest margin.
Risk management and financial performance in Nepalese commercial banks [printed text] / Rusha Shrestha, Author . - 2017 . - ; GRP/Thesis + 99p.
Languages : English
Descriptors: Risk management Class number: 332.106 Abstract: Banking sector plays a significant role in channelling funds to industries and contributing towards economic and financial growth and stability. Risk management refers to a process of identifying loss exposures faced by an organization and selecting the most appropriate techniques for treating these particular exposures effectively (Rejda, 2003). It involves identification, measurement, monitoring and controlling risks. Risk management is the process of assessing risk, taking steps to reduce risk to an acceptable level and maintaining that level of risk (Ahmed et al., 2007). The relationship between risk management and financial performance is of great concern in today’s cut throat competition in the banking industry. The risk inherent in bank lending increases the profitability of the banks on one hand while on the other hand, it can lead to the bank failure too if not managed properly. In such circumstances, liquidity, capital adequacy ratio, inflation, non performing loan, interest rate spread, gross domestic product and debt to equity and the concept of wise lending plays a great role for analyzing the impact of risk management on the financial performance of commercial banks.
This study attempts to explore the relationship of Risk management and financial performance of selected commercial banks in context of Nepal. This study is based on the secondary data for 21 commercial banks with 126 observations for the period of 2009/10 to 2014/15. The data and information are collected from various issues of Banking and Financial Statistics, Bank Supervision Report published by NRB and annual reports of the selected commercial banks. The research design adopted in this study is descriptive and causal comparative research design as this study examines the impact of, capital adequacy, inflation, non performing loan, interest rate spread, GDP and debt to equity on financial performance of Nepalese commercial banks.
The result shows that average return on assets is highest for NBB (3.20 percent) and lowest for MBL (0.57 percent). The average net interest margin is highest for ADBL (6.13 percent)and lowest for NSBI (2.43 percent). The average liquidity ratio is highest for NCC (35.11 times) and lowest for RBBL (2.02 times).The average capital adequacy ratio is highest for JBL (28.75 percent) and lowest for RBBL (-6.71 percent). The inflation rate is highest in year 2012/13 (9.90 percent) and lowest in year 2014/15 (7.20 percent). The average non performing loan is highest for ADBL (22.04) and lowest for JBL (9.29). The average interest rate spread is highest for NBL (6.84 percent) and lowest for JBL (2.82 percent). The gross domestic product is highest for the year 2013/14 (5.40 percent) and lowest for the year 2014/15. The average debt to equity is highest for NSBI (14.12 times) and lowest for NBL (-6.60 times).
The descriptive statistics for commercial banks shows that return on assets, net interest margin, liquidity ratio, capital adequacy ratio, inflation, non performing loan, interest rate spread, gross domestic product and debt to equity is 1.61 percent, 3.30 times, 13.98 times, 11.82 percent, 8.95 percent, 19.12, 4.35 percent, 4.32 percent and 8.80 percent respectively.
The correlation matrix shows that liquidity ratio and capital adequacy ratio are positively related to return on assets, while inflation, non performing loan, interest rate spread, gross domestic product and debt to equity are negatively related to return on assets. The result states that net interest margin is found to have negative relation with liquidity ratio, capital adequacy ratio, gross domestic product and debt to equity while inflation, non performing loan and interest rate spread have positive relation with net interest margin.
The regression analysis reveals that The beta coefficients are negative for liquidity ratio and capital adequacy ratio with return on assets which indicates that the increase in liquidity ratio and capital adequacy ratio leads to decrease in return on assets and vice versa. However, inflation, non performing loan, interest rate spread, gross domestic product and debt to equity have positive impact on return on assets which indicates that higher the nonperforming loan, interest rate spread, gross domestic product and debt to equity higher would be the return on assets.
On the other hand, liquidity ratio, capital adequacy ratio, gross domestic product and debt to equity have negative impact on net interest margin which indicates that higher the capital adequacy ratio, gross domestic product and debt to equity lower would be the net interest margin. However, the study reveals that inflation, non performing loan and interest rate spread have positive impact on net interest margin which indicates that higher the inflation, non performing loan and interest rate spread, higher would be the net interest margin.
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Barcode Call number Media type Location Section Status 311/D 332.106SHR Thesis/Dissertation Uniglobe Library Social Sciences Available
Title : Risk management and financial performance of Nepalese commercial banks Material Type: printed text Authors: Chetan Shila Shrestha, Author Publication Date: 2018 Pagination: 98p. Size: GRP/Thesis Accompanying material: 11/B Languages : English Descriptors: Banks
Banks and banking
Risk managementKeywords: 'risk management bank management banks commercial banks Class number: 332.106 Abstract: Banks play an important role for economic development and foster economic growth by providing number of financial services. Risk management is the identification, assessment and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor, and control the probability and/or impact of unfortunate events (Njogo, 2012). Al-Tamimi et al. (2007) analyzed that all banks are exposed to a large number of risks such as credit, liquidity risk, foreign exchange risk, market risk and interest rate risk, among others- the risk which may create some source of threat for a bank’s survival and success. Olusanmi (2015) analyzed the importance of risk management that has become a concept and has been given more attention from practitioners in today’s competitive economic world. These cannot be underrated or overlooked as the practice of risk management minimizes financial losses to the firm.
Tabari et al. (2013) revealed that both the credit risk as well as the liquidity risk has negative impact on the performance of banks. Bank's size and bank's asset have a positive effect on the performance of banks. Athanasoglou et al. (2008) revealed credit risk, liquidity, capital adequacy ratio have negative and significant affect on the performance of conventional banks. Irungu (2013) found that there is strong positive relationship between financial performances of commercial banks with interest rate spread. Hess and francis (2004) revealed that there is inverse relationship between the cost to income ratio and bank’s profitability. Bourke (1989) investigated that debt ratios are positively related to profitability. Poudel (2012) found that non-performing loan and capital adequacy ratio have significant negative relationship with return on assets.
This study examines the risk management and financial performance of Nepalese commercial banks. The return on assets and earnings per share are the dependent variables. Non-performing loan ratio, liquidity ratio, capital adequacy ratio, debt to asset ratio, interest rate spread, cost to income ratio and bank size are the independent variables. This study is based on secondary data of 16 commercial banks for the period of 2008/09 to 2015/16, leading to a total of 128 observations. The data are collected from the Banking and Financial Statistics and Bank Supervision Report published by Nepal Rastra Bank and annual reports of the selected Nepalese commercial banks. The regression models are estimated to test the significance and importance of the risk management and financial performance of Nepalese commercial banks.
The result shows that there is a positive relationship of debt to assets ratio, interest rate spread and bank size with bank performance. It indicates that an increase in debt to assets ratio, interest rate spread and bank size leads to increase in bank performance (returns on assets and earnings per share). However, the study shows the negative relationship of non-performing loan ratio, liquidity ratio, capital adequacy ratio and cost to income ratio with bank performance. It indicates that increase in the non-performing loan ratio, liquidity ratio, capital adequacy ratio and cost to income ratio leads to decrease in bank performance. The regression results also show that beta coefficients are positive for debt to assets ratio, interest rate spread and bank size with the performance of Nepalese commercial banks. However, the beta coefficients are negative for non-performing loan ratio, liquidity ratio, capital adequacy ratio and cost to income ratio with banks performance. Yet, the coefficients are significant only for liquidity ratio, cost to income ratio, debt to asset ratio, interest rate spread and bank size at 5 percent level of significance.
Risk management and financial performance of Nepalese commercial banks [printed text] / Chetan Shila Shrestha, Author . - 2018 . - 98p. ; GRP/Thesis + 11/B.
Languages : English
Descriptors: Banks
Banks and banking
Risk managementKeywords: 'risk management bank management banks commercial banks Class number: 332.106 Abstract: Banks play an important role for economic development and foster economic growth by providing number of financial services. Risk management is the identification, assessment and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor, and control the probability and/or impact of unfortunate events (Njogo, 2012). Al-Tamimi et al. (2007) analyzed that all banks are exposed to a large number of risks such as credit, liquidity risk, foreign exchange risk, market risk and interest rate risk, among others- the risk which may create some source of threat for a bank’s survival and success. Olusanmi (2015) analyzed the importance of risk management that has become a concept and has been given more attention from practitioners in today’s competitive economic world. These cannot be underrated or overlooked as the practice of risk management minimizes financial losses to the firm.
Tabari et al. (2013) revealed that both the credit risk as well as the liquidity risk has negative impact on the performance of banks. Bank's size and bank's asset have a positive effect on the performance of banks. Athanasoglou et al. (2008) revealed credit risk, liquidity, capital adequacy ratio have negative and significant affect on the performance of conventional banks. Irungu (2013) found that there is strong positive relationship between financial performances of commercial banks with interest rate spread. Hess and francis (2004) revealed that there is inverse relationship between the cost to income ratio and bank’s profitability. Bourke (1989) investigated that debt ratios are positively related to profitability. Poudel (2012) found that non-performing loan and capital adequacy ratio have significant negative relationship with return on assets.
This study examines the risk management and financial performance of Nepalese commercial banks. The return on assets and earnings per share are the dependent variables. Non-performing loan ratio, liquidity ratio, capital adequacy ratio, debt to asset ratio, interest rate spread, cost to income ratio and bank size are the independent variables. This study is based on secondary data of 16 commercial banks for the period of 2008/09 to 2015/16, leading to a total of 128 observations. The data are collected from the Banking and Financial Statistics and Bank Supervision Report published by Nepal Rastra Bank and annual reports of the selected Nepalese commercial banks. The regression models are estimated to test the significance and importance of the risk management and financial performance of Nepalese commercial banks.
The result shows that there is a positive relationship of debt to assets ratio, interest rate spread and bank size with bank performance. It indicates that an increase in debt to assets ratio, interest rate spread and bank size leads to increase in bank performance (returns on assets and earnings per share). However, the study shows the negative relationship of non-performing loan ratio, liquidity ratio, capital adequacy ratio and cost to income ratio with bank performance. It indicates that increase in the non-performing loan ratio, liquidity ratio, capital adequacy ratio and cost to income ratio leads to decrease in bank performance. The regression results also show that beta coefficients are positive for debt to assets ratio, interest rate spread and bank size with the performance of Nepalese commercial banks. However, the beta coefficients are negative for non-performing loan ratio, liquidity ratio, capital adequacy ratio and cost to income ratio with banks performance. Yet, the coefficients are significant only for liquidity ratio, cost to income ratio, debt to asset ratio, interest rate spread and bank size at 5 percent level of significance.
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Barcode Call number Media type Location Section Status 417/D 332.106 SHR Thesis/Dissertation Uniglobe Library Social Sciences Available
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