| Title : | Funds allocation and deposit mobilization of commercial banks in Nepal | | Material Type: | printed text | | Authors: | Sabina Shrestha, Author | | Publication Date: | 2013 | | Pagination: | 87p. | | Size: | GRP/Thesis | | Accompanying material: | 1/B | | Languages : | English | | Descriptors: | Deposit banking
Funds allocation
| | Keywords: | 'funds allocation bank deposits deposit mobilization' | | Class number: | 332.175 | | Abstract: | Deposit is one of the important domestic capital formation factors that lead to increase in the size of national income and employment, solving the problem of inflation and balance of payment and foreign debts. Domestic capital formation helps in making a country self sustainable. For the development of any country, the financial sector of that country is responsible and must be strong. Therefore, commercial banks are the important financial intermediaries serving the general public by lending and investing in many areas or sectors of the economy. So the empirical relationship between the deposit and its explanatory variables are stated as the research questions followed by the development of the hypothesis. The major objective of this study is to analyze the relationship between the deposit and its explanatory variables.
the review of literature has shown the relationship between various factors such as interest rates, GDP, branch expansion, household savings, investment, loans & advances , asset purchased etc. as and the deposit mobilization in the case of both developed and developing countries. In addition, investment, loans & advances, asset purchased are some of the variables that are found to have significant association with deposit in various contexts. Based on the reviews, this study has proposed the conceptual framework identifying investment, loans & advances and asset purchased as the most important factors affecting the deposit mobilization of the commercial bank in Nepal.
For the purpose of study 12 listed commercial banks deposit from systematic random sampling is taken as sample and required data such as deposit and other independent variables are collected from various secondary sources for period of 12 years i.e. 2001 to 2012. Systematic random sampling method is used to select the sample commercial banks. Primary questionnaire survey is also conducted in order to assess the opinions of bank’s manager on deposit mobilization processes. Multiple regression analysis and correlation analysis are used to examine the connection between the deposit and the independent variables. Likewise, portfolio sorted on one way sorts of three independent variables is also employed to see if the relationship shown by regression and correlation analysis really exists.
The result of secondary data analysis shows that the investment, loans & advances and asset purchased have strong and significant positive impact on deposit. Likewise, in contradiction to the findings of the secondary data, the primary survey reveals that loans & advances, investment and asset purchased are the most important sectors of deposit mobilization.
The major limitations of this study lies in the fact that this study has excluded some firm specific and other productive sectors where the commercial banks could have mobilized its resources effectively and efficiently. Despite, the limitations of this study, the findings and research are still applicable in the case of Nepalese commercial banks. So this study is highly significant for commercial banks itself, depositors and the regulators too.
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Funds allocation and deposit mobilization of commercial banks in Nepal [printed text] / Sabina Shrestha, Author . - 2013 . - 87p. ; GRP/Thesis + 1/B. Languages : English | Descriptors: | Deposit banking
Funds allocation
| | Keywords: | 'funds allocation bank deposits deposit mobilization' | | Class number: | 332.175 | | Abstract: | Deposit is one of the important domestic capital formation factors that lead to increase in the size of national income and employment, solving the problem of inflation and balance of payment and foreign debts. Domestic capital formation helps in making a country self sustainable. For the development of any country, the financial sector of that country is responsible and must be strong. Therefore, commercial banks are the important financial intermediaries serving the general public by lending and investing in many areas or sectors of the economy. So the empirical relationship between the deposit and its explanatory variables are stated as the research questions followed by the development of the hypothesis. The major objective of this study is to analyze the relationship between the deposit and its explanatory variables.
the review of literature has shown the relationship between various factors such as interest rates, GDP, branch expansion, household savings, investment, loans & advances , asset purchased etc. as and the deposit mobilization in the case of both developed and developing countries. In addition, investment, loans & advances, asset purchased are some of the variables that are found to have significant association with deposit in various contexts. Based on the reviews, this study has proposed the conceptual framework identifying investment, loans & advances and asset purchased as the most important factors affecting the deposit mobilization of the commercial bank in Nepal.
For the purpose of study 12 listed commercial banks deposit from systematic random sampling is taken as sample and required data such as deposit and other independent variables are collected from various secondary sources for period of 12 years i.e. 2001 to 2012. Systematic random sampling method is used to select the sample commercial banks. Primary questionnaire survey is also conducted in order to assess the opinions of bank’s manager on deposit mobilization processes. Multiple regression analysis and correlation analysis are used to examine the connection between the deposit and the independent variables. Likewise, portfolio sorted on one way sorts of three independent variables is also employed to see if the relationship shown by regression and correlation analysis really exists.
The result of secondary data analysis shows that the investment, loans & advances and asset purchased have strong and significant positive impact on deposit. Likewise, in contradiction to the findings of the secondary data, the primary survey reveals that loans & advances, investment and asset purchased are the most important sectors of deposit mobilization.
The major limitations of this study lies in the fact that this study has excluded some firm specific and other productive sectors where the commercial banks could have mobilized its resources effectively and efficiently. Despite, the limitations of this study, the findings and research are still applicable in the case of Nepalese commercial banks. So this study is highly significant for commercial banks itself, depositors and the regulators too.
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