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Refine your search Apply to external sourcesCapital adequacy, cost income ratio and performance: a comparative study of public, joint venture and private banks / Manita Budathoki
Title : Capital adequacy, cost income ratio and performance: a comparative study of public, joint venture and private banks Material Type: printed text Authors: Manita Budathoki, Author Publication Date: 2017 Pagination: 108p. Size: GRP/Thesis Accompanying material: 8/B Languages : English Descriptors: Bank and banking
Bank investmentsClass number: 332.1209 Abstract: The impact of liquidity position in management of financial institution and other economic unit have remained fascinating and intriguing, though very elusive in the process of investment analysis. In financial system bank's role is differentiated as financial intermediaries, funds facilitator and supporter. Commercial banks accept deposits from individuals and businesses which make use of them for productive purposes in the whole economy. The banks are, therefore not only stores economy's wealth but also provide financial resource to the businesses. Due to the diversified operations banks may expose to liquidity risk, as they are absolutely accountable to make funds available, when required by the depositors or conversion of its financial assets in to liquid funds to meet their obligations (Ramzam and Zafar, 2014).
The major objective of the study is to analyze the impact of liquidity management on performance of Nepalese commercial banks.The study is based on secondary data of 23 commercial banks with 138 observations for the period of 2009/10 to 2014/15. 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 from the study.The research design adopted in this study is descriptive and causal comparative research design as it deals with the relationship between capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total asset and firm size performance of Nepalese commercial banks.
The result shows that NBBL has highest average ROA, and ADBL has highest average NIM among the selected commercial banks throughout the study period.Similarly, average capital ratio is highest for NIBL (28.81 percent), average leverage is highest for NBL (1.03 times), average liquidity ratio is highest for JBL (11.32 times), average liquid asset to deposit is highest for RBBL (64.08 percent), average liquid asset to total asset is highest for SCBL (52.09 percent) and average firm size is RBBL(114.59 billion).
The descriptive statistics of public bank shows that average return on assets, net interest margin, capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total assets and firm size is 1.91 percent, 4.37 percent, 4.32 percent, 0.96 times, 2.12 times, 41.84 percent, 25.53 percent and 10.89 respectively.Similarly, descriptive statistics of joint venture banks reveals that average return on assets, net interest margin, capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total assets and firm size is 2.15 percent, 3.49 percent, 9.31 percent, 0.91 times, 3.79 times, 42.44 percent, 36.82 percent and 10.69 respectively.The descriptive statistics of private banks reveals that average return on assets, net interest margin, capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total assets and firm size is 1.38 percent, 3.15 percent, 12.76 percent, 0.88 times, 4.81 times, 30.84 percent, 25.57 percent and 10.38 respectively.
In case of public bank, the study found that capital ratio is positively correlated to return on assets and net interest margin while leverage, liquid asset to deposit liquid assets to total assets is negatively correlated to return on assets and net interest margin. The study of joint venture banks reveals that capital ratio is positively correlated to return on assets and net interest margin while leverage, liquid asset to deposit, liquid asset to total assets and firm size is negatively correlated to return on assets and net interest margin. Likewise, the study of private banks depicts that capital ratio, liquid asset to total assets is positively correlated to return on assets and net interest margin while leverage is negatively correlated to return on assets and net interest margin.
The regression analysis of public banks revealed that capital ratio, leverage and firm size have positive impact on return on assets. The leverage, liquid assets to deposit and liquid assets to total assets have negative impact on return on assets. Similarly, the capital ratio have positive impact on net interest margin whereas the leverage, liquidity ratio, liquid assets to deposit, liquid assets to total assets and firm size have negative impact on net interest margin. The regression analysis of joint venture banks revealed that capital ratio, liquidity ratio and firm size have positive impact on return on assets. The leverage, liquid assets to deposit and liquid assets to total assets have negative impact on return on assets. Similarly, the capital ratio have positive impact on net interest margin whereas the leverage, liquidity ratio, liquid assets to deposit, liquid assets to total assets and firm size have negative impact on net interest margin. The regression analysis of private banks revealed that liquid assets to total assets and firm size have positive impact on return on assets. The capital ratio, leverage, liquidity ratio and liquid assets to deposit have negative impact on return on assets. Similarly, the study revealed that liquidity ratio, liquid assets to deposit and liquid assets to total assets have positive impact on net interest margin whereas the capital ratio, leverage and firm size have negative impact on net interest margin.
Capital adequacy, cost income ratio and performance: a comparative study of public, joint venture and private banks [printed text] / Manita Budathoki, Author . - 2017 . - 108p. ; GRP/Thesis + 8/B.
Languages : English
Descriptors: Bank and banking
Bank investmentsClass number: 332.1209 Abstract: The impact of liquidity position in management of financial institution and other economic unit have remained fascinating and intriguing, though very elusive in the process of investment analysis. In financial system bank's role is differentiated as financial intermediaries, funds facilitator and supporter. Commercial banks accept deposits from individuals and businesses which make use of them for productive purposes in the whole economy. The banks are, therefore not only stores economy's wealth but also provide financial resource to the businesses. Due to the diversified operations banks may expose to liquidity risk, as they are absolutely accountable to make funds available, when required by the depositors or conversion of its financial assets in to liquid funds to meet their obligations (Ramzam and Zafar, 2014).
The major objective of the study is to analyze the impact of liquidity management on performance of Nepalese commercial banks.The study is based on secondary data of 23 commercial banks with 138 observations for the period of 2009/10 to 2014/15. 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 from the study.The research design adopted in this study is descriptive and causal comparative research design as it deals with the relationship between capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total asset and firm size performance of Nepalese commercial banks.
The result shows that NBBL has highest average ROA, and ADBL has highest average NIM among the selected commercial banks throughout the study period.Similarly, average capital ratio is highest for NIBL (28.81 percent), average leverage is highest for NBL (1.03 times), average liquidity ratio is highest for JBL (11.32 times), average liquid asset to deposit is highest for RBBL (64.08 percent), average liquid asset to total asset is highest for SCBL (52.09 percent) and average firm size is RBBL(114.59 billion).
The descriptive statistics of public bank shows that average return on assets, net interest margin, capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total assets and firm size is 1.91 percent, 4.37 percent, 4.32 percent, 0.96 times, 2.12 times, 41.84 percent, 25.53 percent and 10.89 respectively.Similarly, descriptive statistics of joint venture banks reveals that average return on assets, net interest margin, capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total assets and firm size is 2.15 percent, 3.49 percent, 9.31 percent, 0.91 times, 3.79 times, 42.44 percent, 36.82 percent and 10.69 respectively.The descriptive statistics of private banks reveals that average return on assets, net interest margin, capital ratio, leverage, liquidity ratio, liquid asset to deposit, liquid asset to total assets and firm size is 1.38 percent, 3.15 percent, 12.76 percent, 0.88 times, 4.81 times, 30.84 percent, 25.57 percent and 10.38 respectively.
In case of public bank, the study found that capital ratio is positively correlated to return on assets and net interest margin while leverage, liquid asset to deposit liquid assets to total assets is negatively correlated to return on assets and net interest margin. The study of joint venture banks reveals that capital ratio is positively correlated to return on assets and net interest margin while leverage, liquid asset to deposit, liquid asset to total assets and firm size is negatively correlated to return on assets and net interest margin. Likewise, the study of private banks depicts that capital ratio, liquid asset to total assets is positively correlated to return on assets and net interest margin while leverage is negatively correlated to return on assets and net interest margin.
The regression analysis of public banks revealed that capital ratio, leverage and firm size have positive impact on return on assets. The leverage, liquid assets to deposit and liquid assets to total assets have negative impact on return on assets. Similarly, the capital ratio have positive impact on net interest margin whereas the leverage, liquidity ratio, liquid assets to deposit, liquid assets to total assets and firm size have negative impact on net interest margin. The regression analysis of joint venture banks revealed that capital ratio, liquidity ratio and firm size have positive impact on return on assets. The leverage, liquid assets to deposit and liquid assets to total assets have negative impact on return on assets. Similarly, the capital ratio have positive impact on net interest margin whereas the leverage, liquidity ratio, liquid assets to deposit, liquid assets to total assets and firm size have negative impact on net interest margin. The regression analysis of private banks revealed that liquid assets to total assets and firm size have positive impact on return on assets. The capital ratio, leverage, liquidity ratio and liquid assets to deposit have negative impact on return on assets. Similarly, the study revealed that liquidity ratio, liquid assets to deposit and liquid assets to total assets have positive impact on net interest margin whereas the capital ratio, leverage and firm size have negative impact on net interest margin.
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Barcode Call number Media type Location Section Status 277/D 332.1209 BUD Thesis/Dissertation Uniglobe Library Social Sciences Available
Title : Determinants of banks deposited in Nepalese commercial banks Material Type: printed text Authors: Rabina Duwal, Author Publication Date: 2018 Pagination: 90p. Size: GRP/Thesis Accompanying material: 11/B Languages : English Descriptors: Bank and banking
Bank depositsKeywords: 'bank deposits banks banks and banking commercial banks nepal' Class number: 346.730 Abstract: The result shows that average saving deposit is highest for HML (Rs.25.25 billion) and lowest for CTZ (Rs. 4.55 billion). The average fixed deposit is highest for SBI (Rs.22.80 billion) and lowest for NCC (Rs. 4.73 billion). The average saving deposit rate is highest for NBB (5.95 percent) and lowest for SCB (1.74 percent). The average saving deposit rate is highest for NBB (5.95 percent) and lowest for SCB (1.74 percent). The average fixed deposit rate is highest for NCC (8.25 percent) and lowest for SCB (4.24 percent). The average number of branches is highest for SBI (48.80 number) and lowest for SCB (17 number). The average lagged value of bank deposit is highest for NIB (Rs.50.87 billion) and lowest for SCB (Rs.5.11 billion). The average bank liquidity is highest for SB (83.97 percent) and lowest for SCB (49.36 percent). The average lagged value of bank size is highest for NBL (Rs.58.64 billion) and lowest for NCC (Rs.15.60 billion).
The descriptive statistics for selected commercial bank shows that the average saving deposit, fixed deposit, saving deposit rate, fixed deposit rate, number of branches, lagged value of bank deposit, bank liquidity and lagged value of bank size are Rs. 12.5989 billion, Rs. 10.6931 billion, 3.50 percent 5.34 percent, 32.8 numbers, average is 29.63 billion, 73 percent and Rs.34.75 billion respectively.
The correlation matrix shows that saving deposit rate, per capita income and gross domestic product are negatively related to saving deposit whereas, number of branches, lagged value of bank deposit, bank liquidity, lagged value of bank size and money supply are positively related to saving deposit. The result also shows that fixed deposit rate, money supply and gross domestic product are negatively related to saving deposit whereas, number of branches, lagged value of bank deposit, bank liquidity, lagged value of bank size and per capita income are positively related to fixed deposit.
The regression analysis reveals that saving deposit rate has negative and significant impact on the saving deposit. This indicates that lower the saving deposit rate, higher would be saving deposit. Similarly, the beta coefficient of gdp is negative. It reveals that lower the gross domestic product, higer would be the saving deposit. In addition, the beta coefficient of per capita income is negative. This indicates that decrease in per capita income leads to increase in the saving deposit. However, the number of branches has positive and significant impact on saving deposit. This indicates that increase in number of branches leads to increase in the saving deposit. Likewise, lagged value of bank deposit has positive impact on saving deposit. It indicates that higher the lagged value of bank deposit higher would be the saving deposit. Bank liquidity has positive impact on saving dpeosit. This indicates that higher the bank liquidity, higher would be the saving deposit. Lagged value of bank size is positive has positive impact on saving deposit. This reveals that higher the lagged bank size higher would be the saving deposit rate. Similarly, money supply has positive impact on the saving deposit. This shows higher the money supply, higher would be the saving deposit.
The regression result shows fixed deposit rate has negative and significant impact on the fixed deposit. This indicates that lower the fixed deposit rate, higher would be fixed deposit. Similarly, money supply has negative impact on the fixed deposit. This shows lower the money supply, higher would be the fixed deposit. Similarly, the beta coefficient of gdp is negative. It reveals that lower the gross domestic product, higer would be the fixed deposit. However, the number of branches has positive and significant impact on fixed deposit. This indicates that increase in number of branches leads to increase in the fixed deposit. Likewise, lagged value of bank deposit has positive impact on fixed deposit. It indicates that higher the lagged value of bank deposit higher would be the fixed deposit. Bank liquidity has positive impact on fixed dpeosit. This indicates that higher the bank liquidity, higher would be the fixed deposit. Lagged value of bank size is positive has positive impact on fixed deposit. This reveals that higher the lagged bank size higher would be the fixed deposit rate. In addition, the beta coefficient of per capita income is positive. This indicates that increase in per capita income leads to increase in the fixed deposit.
Determinants of banks deposited in Nepalese commercial banks [printed text] / Rabina Duwal, Author . - 2018 . - 90p. ; GRP/Thesis + 11/B.
Languages : English
Descriptors: Bank and banking
Bank depositsKeywords: 'bank deposits banks banks and banking commercial banks nepal' Class number: 346.730 Abstract: The result shows that average saving deposit is highest for HML (Rs.25.25 billion) and lowest for CTZ (Rs. 4.55 billion). The average fixed deposit is highest for SBI (Rs.22.80 billion) and lowest for NCC (Rs. 4.73 billion). The average saving deposit rate is highest for NBB (5.95 percent) and lowest for SCB (1.74 percent). The average saving deposit rate is highest for NBB (5.95 percent) and lowest for SCB (1.74 percent). The average fixed deposit rate is highest for NCC (8.25 percent) and lowest for SCB (4.24 percent). The average number of branches is highest for SBI (48.80 number) and lowest for SCB (17 number). The average lagged value of bank deposit is highest for NIB (Rs.50.87 billion) and lowest for SCB (Rs.5.11 billion). The average bank liquidity is highest for SB (83.97 percent) and lowest for SCB (49.36 percent). The average lagged value of bank size is highest for NBL (Rs.58.64 billion) and lowest for NCC (Rs.15.60 billion).
The descriptive statistics for selected commercial bank shows that the average saving deposit, fixed deposit, saving deposit rate, fixed deposit rate, number of branches, lagged value of bank deposit, bank liquidity and lagged value of bank size are Rs. 12.5989 billion, Rs. 10.6931 billion, 3.50 percent 5.34 percent, 32.8 numbers, average is 29.63 billion, 73 percent and Rs.34.75 billion respectively.
The correlation matrix shows that saving deposit rate, per capita income and gross domestic product are negatively related to saving deposit whereas, number of branches, lagged value of bank deposit, bank liquidity, lagged value of bank size and money supply are positively related to saving deposit. The result also shows that fixed deposit rate, money supply and gross domestic product are negatively related to saving deposit whereas, number of branches, lagged value of bank deposit, bank liquidity, lagged value of bank size and per capita income are positively related to fixed deposit.
The regression analysis reveals that saving deposit rate has negative and significant impact on the saving deposit. This indicates that lower the saving deposit rate, higher would be saving deposit. Similarly, the beta coefficient of gdp is negative. It reveals that lower the gross domestic product, higer would be the saving deposit. In addition, the beta coefficient of per capita income is negative. This indicates that decrease in per capita income leads to increase in the saving deposit. However, the number of branches has positive and significant impact on saving deposit. This indicates that increase in number of branches leads to increase in the saving deposit. Likewise, lagged value of bank deposit has positive impact on saving deposit. It indicates that higher the lagged value of bank deposit higher would be the saving deposit. Bank liquidity has positive impact on saving dpeosit. This indicates that higher the bank liquidity, higher would be the saving deposit. Lagged value of bank size is positive has positive impact on saving deposit. This reveals that higher the lagged bank size higher would be the saving deposit rate. Similarly, money supply has positive impact on the saving deposit. This shows higher the money supply, higher would be the saving deposit.
The regression result shows fixed deposit rate has negative and significant impact on the fixed deposit. This indicates that lower the fixed deposit rate, higher would be fixed deposit. Similarly, money supply has negative impact on the fixed deposit. This shows lower the money supply, higher would be the fixed deposit. Similarly, the beta coefficient of gdp is negative. It reveals that lower the gross domestic product, higer would be the fixed deposit. However, the number of branches has positive and significant impact on fixed deposit. This indicates that increase in number of branches leads to increase in the fixed deposit. Likewise, lagged value of bank deposit has positive impact on fixed deposit. It indicates that higher the lagged value of bank deposit higher would be the fixed deposit. Bank liquidity has positive impact on fixed dpeosit. This indicates that higher the bank liquidity, higher would be the fixed deposit. Lagged value of bank size is positive has positive impact on fixed deposit. This reveals that higher the lagged bank size higher would be the fixed deposit rate. In addition, the beta coefficient of per capita income is positive. This indicates that increase in per capita income leads to increase in the fixed deposit.
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Barcode Call number Media type Location Section Status 418/D 346.730 DUW Books Uniglobe Library Social Sciences Available
Title : Determinants of banks lending behavior: a survey of selected commercial banks in Nepal Material Type: printed text Authors: Rakshya Gautam, Author Publication Date: 2013 Pagination: 78p. Size: GRP/Thesis Accompanying material: 2/D General note: Including bibliography Languages : English Descriptors: Bank and banking
Bank loans
Commercial banks
NepalKeywords: 'banks lending behavior Commercial banks Nepal Bank and banking financial institutions' 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 selected Nepalese commercial banks. The specific objectives of this study were to examine the effect of deposit growth rate, bank discount rate, cash reserve ratio, GDP, CD ratio, ROA, lagged LOA and interest spread on bank loans and advances, to analyze the impact of deposit growth, capital growth, and non-performing loan growth rate, earning assets growth rate on loan growth rate of the banks, to access the impact of input price of deposit, input price of equipment/ fixed capital, capitalization ratio, loans and advances and log of total assets on the output price of loan, to assess the views of bank employees on lending behavior of the bank.
The research was based on primary and secondary data. The methods used for secondary data analysis included descriptive statistics, regression analysis, etc. Similarly the methods used for primary data analysis included percentage frequency distribution, mean scores, standard deviation and likert scale.
The major conclusion of the study is that bank discount rate, GDP, CD ratio, LOA lagged and WAIS explain the loans and advances in the context of Nepalese commercial banks. Similarly in the case of loan growth rate deposit growth rate, earning assets growth rate are the important and significant explanatory variables. Similarly input price of deposit and input price of equipment explains the output price of loan in case of Nepal. Therefore banks should strive hard to manage their deposits and earning assets efficiently so that their objective of profitability can be achieved and input price of deposit and input price of equipment explain the output price of loan. Similarly in the case of primary study, the study concludes that liquidity position of the market have strong impact on bank lending behavior. Similarly there should not be mismatch between the input price of deposit and output price of loan. And in Nepalese commercial banks there is moderate effect of nonperforming loan on bank lending. Among the macro economic variables bank lending rate is ranked as the most important factor which supports the result of secondary analysis. GDP is ranked as least important factor in primary analysis where as it plays an important role in secondary analysis. Respondents ranked deposit growth rate as most important factor affecting the loan growth rate which supports the result of secondary analysis.
Determinants of banks lending behavior: a survey of selected commercial banks in Nepal [printed text] / Rakshya Gautam, Author . - 2013 . - 78p. ; GRP/Thesis + 2/D.
Including bibliography
Languages : English
Descriptors: Bank and banking
Bank loans
Commercial banks
NepalKeywords: 'banks lending behavior Commercial banks Nepal Bank and banking financial institutions' 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 selected Nepalese commercial banks. The specific objectives of this study were to examine the effect of deposit growth rate, bank discount rate, cash reserve ratio, GDP, CD ratio, ROA, lagged LOA and interest spread on bank loans and advances, to analyze the impact of deposit growth, capital growth, and non-performing loan growth rate, earning assets growth rate on loan growth rate of the banks, to access the impact of input price of deposit, input price of equipment/ fixed capital, capitalization ratio, loans and advances and log of total assets on the output price of loan, to assess the views of bank employees on lending behavior of the bank.
The research was based on primary and secondary data. The methods used for secondary data analysis included descriptive statistics, regression analysis, etc. Similarly the methods used for primary data analysis included percentage frequency distribution, mean scores, standard deviation and likert scale.
The major conclusion of the study is that bank discount rate, GDP, CD ratio, LOA lagged and WAIS explain the loans and advances in the context of Nepalese commercial banks. Similarly in the case of loan growth rate deposit growth rate, earning assets growth rate are the important and significant explanatory variables. Similarly input price of deposit and input price of equipment explains the output price of loan in case of Nepal. Therefore banks should strive hard to manage their deposits and earning assets efficiently so that their objective of profitability can be achieved and input price of deposit and input price of equipment explain the output price of loan. Similarly in the case of primary study, the study concludes that liquidity position of the market have strong impact on bank lending behavior. Similarly there should not be mismatch between the input price of deposit and output price of loan. And in Nepalese commercial banks there is moderate effect of nonperforming loan on bank lending. Among the macro economic variables bank lending rate is ranked as the most important factor which supports the result of secondary analysis. GDP is ranked as least important factor in primary analysis where as it plays an important role in secondary analysis. Respondents ranked deposit growth rate as most important factor affecting the loan growth rate which supports the result of secondary analysis.
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Barcode Call number Media type Location Section Status 27/D 332.175 GAU Thesis/Dissertation Uniglobe Library Social Sciences Available
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 loansKeywords: '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 loansKeywords: '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).Hold
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Barcode Call number Media type Location Section Status 87/D 332.175 BAR Thesis/Dissertation Uniglobe Library Social Sciences Available
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 profitsClass 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 profitsClass 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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Barcode Call number Media type Location Section Status 282/D 332.1 JOS Thesis/Dissertation Uniglobe Library Social Sciences Available
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