Determinants of banks deposited in Nepalese commercial banks / Rabina Duwal 

Public ISBD 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 deposits Keywords: '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 deposits Keywords: '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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Determinants of banks deposits of Nepalese commercial banks / Punam Gurung 

Public ISBD Title : Determinants of banks deposits of Nepalese commercial banks Material Type: printed text Authors: Punam Gurung, Author Publication Date: 2017 Pagination: 103p. Size: GRP/Thesis Accompanying material: 9/B Languages : English Descriptors: Bank deposits Class number: 346.730 Abstract: Deposits are the most secured and liquid financial assets available, which can accelerate bank lending to various sectors. Similarly, bank deposit plays an important role in economic development of country. Deposit serves as the main source of funds for bank intermediation activities which can simply classified as fixed deposit, saving deposit and current deposit. This study attempts to examine the determinants of bank deposits of Nepalese commercial banks. The study is based on secondary data of 20 commercial banks with 140 observations for the period of 2008/09 to 2014/15. Data and information have been collected from Banking and Financial Statistics of NRB and annual reports of the selected commercial banks.The research design adopted in this study is descriptive and causal comparative research design as it deals with the determinants of bank deposits of Nepalese commercial banks. The result shows that the saving deposit is highest for NBL (Rs. 33.55 Billion) and lowest for LUBL (Rs. 3.01 Billion). The average fixed deposit is highest for SBIBL(Rs. 27.10 Billion) and lowest for LUBL (Rs. 4.76 Billion). It has been found that fixed deposit has increased in the majority of the selected commercial banks during the study period. The average current deposit is highest for NBL (Rs. 12.91 Billion) and lowest for LUBL (Rs. 0.42 Billion). It has been found that current deposit has increased in the majority of the selected commercial banks during the study period. The average saving deposit rate is highest for SUNBL (3.34 percent) and lowest for SCBL (2.15 percent). It has been found that deposit rate has decreased in the majority of the selected commercial banks during the study period. The average number of branches is highest for ADBL (242.43 number) and lowest for SCBL (14.29 number). It has been found that number of branches has increased in the majority of the selected commercial banks during the study period. The average ROA is highest for NBBL (4.00 percent) and lowest for MBL (0.60 percent). It has been found that ROA has fluctuated in the majority of the selected commercial banks during the study period. The descriptive statistics for commercial banks shows that the average saving deposit, fixed deposit, current deposit, saving deposit rate, fixed deposit rate, number of branches, return on assets, gross domestic product, population growth rate, money supply and consumer price indexare Rs. 12.88 billion, Rs. 6.65 billion, Rs. 3.79 billion, 2.50%, 4.37%, 50.11 numbers, 1.72%, 4.34%, 1.35%, 18.83% and 9.47% respectively. The correlation matrix shows that number of branches, population growth rate, money supply and return on assetsare positively related to saving deposit, whilesaving deposit rate,gross domestic product and consumer price indexare negatively related to saving deposit. The result states that number of branches has positive relationship with fixed deposit. However, fixed deposit rate, return on assets, gross domestic product, population growth rate, money supply and consumer price indexhave negative relationship with fixed deposit. On the other hand, number of branches, return on assets and population growth rateare positively related to current deposit, whereas gross domestic product, money supply and consumer price indexare negatively related to current deposit. The regression analysis reveals that saving deposit rate has negative impact on saving deposit. This indicates that higher saving deposit rate, lower would be the saving deposit. However, number of branches has positive impact on bank deposit. This reveals that higher the number of branches, higher would be the bank deposit. On the other hand, return on assets has positive impact on saving deposit and current deposit. This states that higher the return on assets, higher would be the saving deposit and current deposit. The study also shows that consumer price index has negative impact on bank deposit. This reveals that higher the consumer price index, lower would be the bank deposit. Similarly, gross domestic product has negative impact on bank deposit. This states that higher the gross domestic product, lower would be the bank deposit. On the other hand, the population growth rate has positive impact on saving deposit and current deposit. This denotes that higher the population growth rate, higher would be the saving deposit and current deposit. The study also reveals that saving deposit rate, fixed deposit rate, number of branches, return on assets and consumer price index are major determinants of banks deposit of Nepalese commercial banks. Determinants of banks deposits of Nepalese commercial banks [printed text] / Punam Gurung, Author . - 2017 . - 103p. ; GRP/Thesis + 9/B. Languages : English Descriptors: Bank deposits Class number: 346.730 Abstract: Deposits are the most secured and liquid financial assets available, which can accelerate bank lending to various sectors. Similarly, bank deposit plays an important role in economic development of country. Deposit serves as the main source of funds for bank intermediation activities which can simply classified as fixed deposit, saving deposit and current deposit. This study attempts to examine the determinants of bank deposits of Nepalese commercial banks. The study is based on secondary data of 20 commercial banks with 140 observations for the period of 2008/09 to 2014/15. Data and information have been collected from Banking and Financial Statistics of NRB and annual reports of the selected commercial banks.The research design adopted in this study is descriptive and causal comparative research design as it deals with the determinants of bank deposits of Nepalese commercial banks. The result shows that the saving deposit is highest for NBL (Rs. 33.55 Billion) and lowest for LUBL (Rs. 3.01 Billion). The average fixed deposit is highest for SBIBL(Rs. 27.10 Billion) and lowest for LUBL (Rs. 4.76 Billion). It has been found that fixed deposit has increased in the majority of the selected commercial banks during the study period. The average current deposit is highest for NBL (Rs. 12.91 Billion) and lowest for LUBL (Rs. 0.42 Billion). It has been found that current deposit has increased in the majority of the selected commercial banks during the study period. The average saving deposit rate is highest for SUNBL (3.34 percent) and lowest for SCBL (2.15 percent). It has been found that deposit rate has decreased in the majority of the selected commercial banks during the study period. The average number of branches is highest for ADBL (242.43 number) and lowest for SCBL (14.29 number). It has been found that number of branches has increased in the majority of the selected commercial banks during the study period. The average ROA is highest for NBBL (4.00 percent) and lowest for MBL (0.60 percent). It has been found that ROA has fluctuated in the majority of the selected commercial banks during the study period. The descriptive statistics for commercial banks shows that the average saving deposit, fixed deposit, current deposit, saving deposit rate, fixed deposit rate, number of branches, return on assets, gross domestic product, population growth rate, money supply and consumer price indexare Rs. 12.88 billion, Rs. 6.65 billion, Rs. 3.79 billion, 2.50%, 4.37%, 50.11 numbers, 1.72%, 4.34%, 1.35%, 18.83% and 9.47% respectively. The correlation matrix shows that number of branches, population growth rate, money supply and return on assetsare positively related to saving deposit, whilesaving deposit rate,gross domestic product and consumer price indexare negatively related to saving deposit. The result states that number of branches has positive relationship with fixed deposit. However, fixed deposit rate, return on assets, gross domestic product, population growth rate, money supply and consumer price indexhave negative relationship with fixed deposit. On the other hand, number of branches, return on assets and population growth rateare positively related to current deposit, whereas gross domestic product, money supply and consumer price indexare negatively related to current deposit. The regression analysis reveals that saving deposit rate has negative impact on saving deposit. This indicates that higher saving deposit rate, lower would be the saving deposit. However, number of branches has positive impact on bank deposit. This reveals that higher the number of branches, higher would be the bank deposit. On the other hand, return on assets has positive impact on saving deposit and current deposit. This states that higher the return on assets, higher would be the saving deposit and current deposit. The study also shows that consumer price index has negative impact on bank deposit. This reveals that higher the consumer price index, lower would be the bank deposit. Similarly, gross domestic product has negative impact on bank deposit. This states that higher the gross domestic product, lower would be the bank deposit. On the other hand, the population growth rate has positive impact on saving deposit and current deposit. This denotes that higher the population growth rate, higher would be the saving deposit and current deposit. The study also reveals that saving deposit rate, fixed deposit rate, number of branches, return on assets and consumer price index are major determinants of banks deposit of Nepalese commercial banks.

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