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Determinants of liquidity of Nepalese commercial banks / Sristi Shrestha
Title : Determinants of liquidity of Nepalese commercial banks Material Type: printed text Authors: Sristi Shrestha, Author Publication Date: 2014 Pagination: 86p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Liquidity (Economics)
NepalKeywords: 'liquidity economics nepal commercial banks banks' Class number: 332.632 Determinants of liquidity of Nepalese commercial banks [printed text] / Sristi Shrestha, Author . - 2014 . - 86p. ; GRP/Thesis + 2/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Liquidity (Economics)
NepalKeywords: 'liquidity economics nepal commercial banks banks' Class number: 332.632 Hold
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Barcode Call number Media type Location Section Status 66/D 332.632 SHR Thesis/Dissertation Uniglobe Library Social Sciences Available Determinants of net interest margin and its impacts on Nepalese commercial banks / Yamuna Adhikari
Title : Determinants of net interest margin and its impacts on Nepalese commercial banks Material Type: printed text Authors: Yamuna Adhikari, Author Publication Date: 2014 Pagination: 86p. Size: GRP/Thesis Accompanying material: 2/B Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Economic development
Interest
Market structureKeywords: 'Banks determinants net interest margin commercial banks economic development interest market structure' Class number: 330 Determinants of net interest margin and its impacts on Nepalese commercial banks [printed text] / Yamuna Adhikari, Author . - 2014 . - 86p. ; GRP/Thesis + 2/B.
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Barcode Call number Media type Location Section Status 37/D 330 ADH Thesis/Dissertation Uniglobe Library Social Sciences Available Determinants of non-performing loan in Nepalese commercial banks / Seema Bhattari
Title : Determinants of non-performing loan in Nepalese commercial banks Material Type: printed text Authors: Seema Bhattari, Author Publication Date: 2013 Pagination: 113p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibliography
Languages : English Descriptors: Bank loans
Banks
Banks and banking
Commercial banks
Loans
Nepal
Non-performing loan
Seema BhattaraiKeywords: 'bank loans banks banks and banking commercial banks nepal loans seema bhattarai non-performing' Class number: 332.175 Abstract: The non-performing loans (NPL) of financial institutions are considered as a significant issue in the context of Nepal for last few decades. The immediate consequence of large amount of NPLs in the banking system is bank failure. Non-performing loans are one of the main reasons that cause insolvency of the financial institutions and ultimately hurt the whole economy. Studies show that the failure of banks in Nepal was also the result of the high non-performing assets due to and the result of lending without differentiating markets, products and borrowers’ credit worthiness and excessive loan exposure to real estate. However, there is not any study regarding the factors affecting non-performing loan in Nepal. Finding the factors affecting NPL covering both micro (banks specific) and macroeconomic variables may help to reduce the NPL and improve the profitability of each commercial banks and may also help for improvement of the economy as a whole.
In this context the study aims to identify the impact of macroeconomic variables (GDP, Inflation, and Real Effective Exchange Rate) and bank specific variables (size, change in loan, real lending rate of interest, and share of loan to total assets) on the non-performing loan of the commercial banks in Nepal. It further aims to identify the perception of bankers regarding the impact of bank specific variables and macroeconomic variables on non-performing loan in Nepalese Commercial Banks.
The study is conducted with primary as well as secondary sources. The secondary data are collected for 26 commercial banks covering the period of 2002-2012 with 227 observations. The primary data are collected from 140 bankers of ten top commercial banks of Nepal. It followed both qualitative and quantitative approach to analyze the findings of the study.
It is found that the government owned banks have the highest non-performing loan in all the years while the standard chartered bank has the lowest non-performing loan. However, newly established banks also have low non-performing loan. In terms of size, the government owned banks occupy the largest share while the share is low in the newly established banks like Citizens bank, Grand bank and Kist bank.
Macroeconomic variables such as the real effective exchange rate have significantly negative impact on non-performing loan which is inconsistent with the findings of previous studies. The impact of GDP growth rate is found to be insignificant in this study. One year lagged inflation rate has significant positive impact on non-performing loan. The banks which charge relatively higher real interest rate have higher non-performing loan, which is consistent with the findings of previous studies. If the bank is government owned bank the non-performing loan would be higher than that of the private owned banks since ownership dummy has positive coefficient and significant at one percent level. As well, more lending in the previous years and current year reduces the non-performing loan since the coefficient of change in loan in current and previous years have negative coefficient and significant at one percent level.
The bankers of Nepalese commercial bank perceive that energy crisis; lack of timely budgetary expenditure by the government and instable political environment increases the non-performing loan. Similarly bankers also perceive that borrowers honesty in disclosing the information, better monitoring and evaluation of the loan, increase in GDP growth rate have significantly negative impact on non-performing loan. However, the banker’s perception shows that the macroeconomic variables like unemployment rate, inflation rate, exchange rate and interest rate are not much important variables to influence non-performing loan of the commercial banks of Nepal. These findings of the study may add the literature on the area of determinants of non-performing loan within Nepalese Commercial banks in Nepal.
Determinants of non-performing loan in Nepalese commercial banks [printed text] / Seema Bhattari, Author . - 2013 . - 113p. ; GRP/Thesis + 2/B.
Including bibliography
Languages : English
Descriptors: Bank loans
Banks
Banks and banking
Commercial banks
Loans
Nepal
Non-performing loan
Seema BhattaraiKeywords: 'bank loans banks banks and banking commercial banks nepal loans seema bhattarai non-performing' Class number: 332.175 Abstract: The non-performing loans (NPL) of financial institutions are considered as a significant issue in the context of Nepal for last few decades. The immediate consequence of large amount of NPLs in the banking system is bank failure. Non-performing loans are one of the main reasons that cause insolvency of the financial institutions and ultimately hurt the whole economy. Studies show that the failure of banks in Nepal was also the result of the high non-performing assets due to and the result of lending without differentiating markets, products and borrowers’ credit worthiness and excessive loan exposure to real estate. However, there is not any study regarding the factors affecting non-performing loan in Nepal. Finding the factors affecting NPL covering both micro (banks specific) and macroeconomic variables may help to reduce the NPL and improve the profitability of each commercial banks and may also help for improvement of the economy as a whole.
In this context the study aims to identify the impact of macroeconomic variables (GDP, Inflation, and Real Effective Exchange Rate) and bank specific variables (size, change in loan, real lending rate of interest, and share of loan to total assets) on the non-performing loan of the commercial banks in Nepal. It further aims to identify the perception of bankers regarding the impact of bank specific variables and macroeconomic variables on non-performing loan in Nepalese Commercial Banks.
The study is conducted with primary as well as secondary sources. The secondary data are collected for 26 commercial banks covering the period of 2002-2012 with 227 observations. The primary data are collected from 140 bankers of ten top commercial banks of Nepal. It followed both qualitative and quantitative approach to analyze the findings of the study.
It is found that the government owned banks have the highest non-performing loan in all the years while the standard chartered bank has the lowest non-performing loan. However, newly established banks also have low non-performing loan. In terms of size, the government owned banks occupy the largest share while the share is low in the newly established banks like Citizens bank, Grand bank and Kist bank.
Macroeconomic variables such as the real effective exchange rate have significantly negative impact on non-performing loan which is inconsistent with the findings of previous studies. The impact of GDP growth rate is found to be insignificant in this study. One year lagged inflation rate has significant positive impact on non-performing loan. The banks which charge relatively higher real interest rate have higher non-performing loan, which is consistent with the findings of previous studies. If the bank is government owned bank the non-performing loan would be higher than that of the private owned banks since ownership dummy has positive coefficient and significant at one percent level. As well, more lending in the previous years and current year reduces the non-performing loan since the coefficient of change in loan in current and previous years have negative coefficient and significant at one percent level.
The bankers of Nepalese commercial bank perceive that energy crisis; lack of timely budgetary expenditure by the government and instable political environment increases the non-performing loan. Similarly bankers also perceive that borrowers honesty in disclosing the information, better monitoring and evaluation of the loan, increase in GDP growth rate have significantly negative impact on non-performing loan. However, the banker’s perception shows that the macroeconomic variables like unemployment rate, inflation rate, exchange rate and interest rate are not much important variables to influence non-performing loan of the commercial banks of Nepal. These findings of the study may add the literature on the area of determinants of non-performing loan within Nepalese Commercial banks in Nepal.
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Barcode Call number Media type Location Section Status 14/D 332.175 BHA Thesis/Dissertation Uniglobe Library Social Sciences Available Determinants of profitability of commercial banks in Nepal / Sangeeta Shrestha
Title : Determinants of profitability of commercial banks in Nepal Material Type: printed text Authors: Sangeeta Shrestha, Author Publication Date: 2013 Pagination: 92p. Size: GRP/Thesis Accompanying material: 1/B General note: Including bibliography Languages : English Descriptors: Bank profits
Banks and banking
Commercial banks
Nepal
ProfitKeywords: 'profitability profits banks banks and banking commercial banks nepal sangeeta shrestha profit' Class number: 338.709 Determinants of profitability of commercial banks in Nepal [printed text] / Sangeeta Shrestha, Author . - 2013 . - 92p. ; GRP/Thesis + 1/B.
Including bibliography
Languages : English
Descriptors: Bank profits
Banks and banking
Commercial banks
Nepal
ProfitKeywords: 'profitability profits banks banks and banking commercial banks nepal sangeeta shrestha profit' Class number: 338.709 Hold
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Barcode Call number Media type Location Section Status 9/D 338.709 SHR Thesis/Dissertation Uniglobe Library Social Sciences Available Determinations of bank profitability and basel capital regulation: a comparative study of Nepalese joint venture, private domestic and public sector banks / Bandana Khadka
Title : Determinations of bank profitability and basel capital regulation: a comparative study of Nepalese joint venture, private domestic and public sector banks Material Type: printed text Authors: Bandana Khadka, Author Publication Date: 2017 Pagination: 109p. Size: GRP/Thesis Accompanying material: 8/B Languages : English Descriptors: Banks and banking Class number: 332.105 Abstract: The capital requirement is a bank regulation, which sets a framework on how banks and depository institutions must handle their capital (Buyuksalvarci and Abdioglu, 2011). The key aspect of capital regulation is the calculation of minimum regulatory capital.Among various regulatory measures, the regulation of bank capital is crucial due to the important role it plays in banks’ soundness and risk taking behavior, and its influence on the profitability of banks (Madura 1993).The increased number of bank failures over this past year has raised concerns about the riskiness of banks and, hence, prompted movements for tighter capital requirements. Prudential regulation often imposes regulatory capital requirements in order to create the necessary cushion to protect banks against unexpected losses and ultimately failure (Dewatripont and Tirole, 1994;Goodhart et al., 2003; Pennacchi, 2005).
The major objective of this study is to examine the impact of capital regulation on profitability of Nepalese commercial bank.The study is based on the secondary data of 20 Nepalese commercial banks for the period of 2007/08 -2014/15 with a total of 160 observations. Data has been extracted from the annual reports of commercial banks and bank supervision report.This study has employed descriptive research design and causal comparative research design to deal with issues associated with the impact of capital regulation on profitability of Nepalese commercial banks.
The result shows that average return on assets is highest forNBB and ADBL has the highest average net interest margin. Similarly,the percentage of credit risk is highest for NBB (10.19 percent), bank size is largest for RBBL(Rs67.79 billion), the quality of loan is better for NBBL(13.97 percent). Cost to income ratio is highest for ADBL (302.76 percent), tier 1 capital is highest for NMB(16.06 percent), and average total capital ratio is highest for NMB bank (17.21 percent).
The descriptive analysis for joint venture banks shows that mean ROA, NIM,credit risk and bank size, cost to income ratio, assets quality, tier 1 capital and total capital ratio is 2.56 percent, 3.63 percent, 3.07 percent, Rs24.46 billion ,179.86 percent, 3.55 percent, 9.27 percent and 11.06 percent respectively. Similarly, the descriptive statistics for theprivate domestic bank shows that mean ROA, NIM,credit risk, bank size, cost to income ratio, assets quality, tier 1 capital and total capital ratio is 1.38 percent, 3.03 percent,1.81 percent, Rs23.87 billion, 235.50 percent, 1.81 percent,11.02 percent and 12.58 percentrespectively. Finally, the descriptive analysis for public bank shows that mean ROA, NIM,credit risk, bank size, cost to income ratio, assets quality, tier 1 capital and total capital ratio2.29 percent, 3.98 percent, 8.10 percent, Rs25.04 billion, 3.46 percent and -1.83 percent respectively.
The study ofjoint venture banks shows that, credit risk, assets quality, gross domestic product and inflation are positively correlated to return on assets and net interest margin whereas, the cost to income ratio, bank size, tier 1 capital ratio and total capital ratio are negatively correlated to return on assets and net interest margin. Similarly, the study of theprivate bank shows that, credit risk, bank size, assets quality, gross domestic product and inflation are positively correlated to return on assets but inflation is negatively correlated with net interest margin whereas, the cost to income ratio, tier 1 capital ratio and total capital ratio are negatively correlated to return on assets and net interest margin. Likewise, the study ofpublic bank shows that assets quality, 1 capital ratio, total capital ratio and gross domestic product are positively correlated to return on assets and net interest margin whereas, the credit risk, bank size, cost to income ratio and inflation are negatively correlated to return on assets and net interest margin.
The regression results show that credit risk has a positive impact on return on assets and net interest margin of joint venture and private banks of Nepal. However, the credit risk has a negative impact on thereturn on assets and net interest margin of public sector banks.Likewise, the result shows that tier 1 capital ratio and total capital ratio has negative impact on profitability of joint venture and private banks of Nepal. Whereas, tier 1 capital ratio and total capital ratio has a positive impact on profitability of public banks which indicates higher the tier 1 capital ratio and total capital ratio higher would be the profitability. Similarly, reveals that the assets quality has a positive impact on profitability of selected Nepalese commercial banks indicating that improved assets quality would enhance the profitability. Similarly, the cost to income ratio is negatively related with profitability of selected Nepalese commercial banks which indicates that higher the cost to income ratio lower would be the profitability of banks.
Determinations of bank profitability and basel capital regulation: a comparative study of Nepalese joint venture, private domestic and public sector banks [printed text] / Bandana Khadka, Author . - 2017 . - 109p. ; GRP/Thesis + 8/B.
Languages : English
Descriptors: Banks and banking Class number: 332.105 Abstract: The capital requirement is a bank regulation, which sets a framework on how banks and depository institutions must handle their capital (Buyuksalvarci and Abdioglu, 2011). The key aspect of capital regulation is the calculation of minimum regulatory capital.Among various regulatory measures, the regulation of bank capital is crucial due to the important role it plays in banks’ soundness and risk taking behavior, and its influence on the profitability of banks (Madura 1993).The increased number of bank failures over this past year has raised concerns about the riskiness of banks and, hence, prompted movements for tighter capital requirements. Prudential regulation often imposes regulatory capital requirements in order to create the necessary cushion to protect banks against unexpected losses and ultimately failure (Dewatripont and Tirole, 1994;Goodhart et al., 2003; Pennacchi, 2005).
The major objective of this study is to examine the impact of capital regulation on profitability of Nepalese commercial bank.The study is based on the secondary data of 20 Nepalese commercial banks for the period of 2007/08 -2014/15 with a total of 160 observations. Data has been extracted from the annual reports of commercial banks and bank supervision report.This study has employed descriptive research design and causal comparative research design to deal with issues associated with the impact of capital regulation on profitability of Nepalese commercial banks.
The result shows that average return on assets is highest forNBB and ADBL has the highest average net interest margin. Similarly,the percentage of credit risk is highest for NBB (10.19 percent), bank size is largest for RBBL(Rs67.79 billion), the quality of loan is better for NBBL(13.97 percent). Cost to income ratio is highest for ADBL (302.76 percent), tier 1 capital is highest for NMB(16.06 percent), and average total capital ratio is highest for NMB bank (17.21 percent).
The descriptive analysis for joint venture banks shows that mean ROA, NIM,credit risk and bank size, cost to income ratio, assets quality, tier 1 capital and total capital ratio is 2.56 percent, 3.63 percent, 3.07 percent, Rs24.46 billion ,179.86 percent, 3.55 percent, 9.27 percent and 11.06 percent respectively. Similarly, the descriptive statistics for theprivate domestic bank shows that mean ROA, NIM,credit risk, bank size, cost to income ratio, assets quality, tier 1 capital and total capital ratio is 1.38 percent, 3.03 percent,1.81 percent, Rs23.87 billion, 235.50 percent, 1.81 percent,11.02 percent and 12.58 percentrespectively. Finally, the descriptive analysis for public bank shows that mean ROA, NIM,credit risk, bank size, cost to income ratio, assets quality, tier 1 capital and total capital ratio2.29 percent, 3.98 percent, 8.10 percent, Rs25.04 billion, 3.46 percent and -1.83 percent respectively.
The study ofjoint venture banks shows that, credit risk, assets quality, gross domestic product and inflation are positively correlated to return on assets and net interest margin whereas, the cost to income ratio, bank size, tier 1 capital ratio and total capital ratio are negatively correlated to return on assets and net interest margin. Similarly, the study of theprivate bank shows that, credit risk, bank size, assets quality, gross domestic product and inflation are positively correlated to return on assets but inflation is negatively correlated with net interest margin whereas, the cost to income ratio, tier 1 capital ratio and total capital ratio are negatively correlated to return on assets and net interest margin. Likewise, the study ofpublic bank shows that assets quality, 1 capital ratio, total capital ratio and gross domestic product are positively correlated to return on assets and net interest margin whereas, the credit risk, bank size, cost to income ratio and inflation are negatively correlated to return on assets and net interest margin.
The regression results show that credit risk has a positive impact on return on assets and net interest margin of joint venture and private banks of Nepal. However, the credit risk has a negative impact on thereturn on assets and net interest margin of public sector banks.Likewise, the result shows that tier 1 capital ratio and total capital ratio has negative impact on profitability of joint venture and private banks of Nepal. Whereas, tier 1 capital ratio and total capital ratio has a positive impact on profitability of public banks which indicates higher the tier 1 capital ratio and total capital ratio higher would be the profitability. Similarly, reveals that the assets quality has a positive impact on profitability of selected Nepalese commercial banks indicating that improved assets quality would enhance the profitability. Similarly, the cost to income ratio is negatively related with profitability of selected Nepalese commercial banks which indicates that higher the cost to income ratio lower would be the profitability of banks.
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