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Relationship between capital and risks in Nepalese commercial banks / Bishnu Sapkota
Title : Relationship between capital and risks in Nepalese commercial banks Material Type: printed text Authors: Bishnu Sapkota, Author Publication Date: 2015 Pagination: 77p. Size: GRP/Thesis Accompanying material: 3/B General note: Including bibliography Languages : English Descriptors: Bank capital
Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'bank bank and banking commercial banks nepal risk nepal' Class number: 332.106 Abstract: The relationship of risk and capital is very important for the banking industries. There are many studies published to examine this relationship. The relationship between capital and risks are studied extensively by several researchers. In regards to the relationship between capital and risks, researchers found different results. Some of the scholars’ state that, risks has negative relationship with capital. Meanwhile other researchers indicate the nonlinear negative and positive relationship between capital and risks.
This study aims to examine the relationship between capital and risks of commercial banks of Nepal. The study has employed descriptive and causal comparative research designs to deal with the fundamental issues associated with capital and risks in the context of Nepal. The study is based on secondary data. The variables used in the study are core capital and total capital as dependent variables where as independent variables are credit risks, operational risks, and market risks.. Similarly this study covers data of sample banks for 7 years ranging for year 2008 to 2014. Thus, collected date were analyzed using excel, and SPSS statistical package. This study used methods such as mean, standard deviation, descriptive analysis, correlation analysis in order to analyze the data.
The study reveals that risks have significant and positive impact on capital of banks and suggests specifically that bank should try to minimize risks in order to achieve the smooth functioning of the banks. More specifically, the study finds that credit risk, operational risk, and market risk, were statistically significant and positive impact on core capital and total capital of commercial banks in Nepal. The regression analysis also revealed that 96 percent in the dependent variable core capital is explained by all the independent variables. This suggests that relationship is found to be positive and significant relationship with core capital.Relationship between capital and risks in Nepalese commercial banks [printed text] / Bishnu Sapkota, Author . - 2015 . - 77p. ; GRP/Thesis + 3/B.
Including bibliography
Languages : English
Descriptors: Bank capital
Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'bank bank and banking commercial banks nepal risk nepal' Class number: 332.106 Abstract: The relationship of risk and capital is very important for the banking industries. There are many studies published to examine this relationship. The relationship between capital and risks are studied extensively by several researchers. In regards to the relationship between capital and risks, researchers found different results. Some of the scholars’ state that, risks has negative relationship with capital. Meanwhile other researchers indicate the nonlinear negative and positive relationship between capital and risks.
This study aims to examine the relationship between capital and risks of commercial banks of Nepal. The study has employed descriptive and causal comparative research designs to deal with the fundamental issues associated with capital and risks in the context of Nepal. The study is based on secondary data. The variables used in the study are core capital and total capital as dependent variables where as independent variables are credit risks, operational risks, and market risks.. Similarly this study covers data of sample banks for 7 years ranging for year 2008 to 2014. Thus, collected date were analyzed using excel, and SPSS statistical package. This study used methods such as mean, standard deviation, descriptive analysis, correlation analysis in order to analyze the data.
The study reveals that risks have significant and positive impact on capital of banks and suggests specifically that bank should try to minimize risks in order to achieve the smooth functioning of the banks. More specifically, the study finds that credit risk, operational risk, and market risk, were statistically significant and positive impact on core capital and total capital of commercial banks in Nepal. The regression analysis also revealed that 96 percent in the dependent variable core capital is explained by all the independent variables. This suggests that relationship is found to be positive and significant relationship with core capital.Copies
Barcode Call number Media type Location Section Status No copy Relationship between risk, capital and efficiency :evidence from Nepalese commercial banks / Prabha Paudel
Title : Relationship between risk, capital and efficiency :evidence from Nepalese commercial banks Material Type: printed text Authors: Prabha Paudel, Author Publication Date: 2015 Pagination: 84p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'return on equity return on assets risk weighted assets' Class number: 332.106 Abstract: Bank efficiency has received much attention in academic literature. There is far less research on the empirical side. All the empirical work investigating relationship between risk, capital and efficiency has focused developed economy. This study investigates the relationship between risks, capital and efficiency behaviour of selected Nepalese commercial banks. This study is guided by economic efficiency theory and regulatory and efficient marketing monitoring hypothesis. Economic efficiency theory states that company should achieve their output at the lowest possible cost per unit produced. Regulators and efficient marketing monitoring hypothesis states that regulators encourage banks to increase their capital to commensurate with the amount of risk taken by the banks. There are several studies conducted on the relationship between risk, capital and efficiency. Some of the review showed that large banks enjoy better efficiency than smaller bank, more capital and large sized banks can improve the operating efficiency of banking firm. Local banks were doing better than foreign banks in case of ROA and ROE. Capital regulations and performance was more problematic in the case of merger and acquisition between a big bank having large workforce and a small bank having staff strength but high personnel cost.
The main objective of the study is to assess the relationship between risk, capital and efficiency in Nepalese commercial banks. The other specific objectives are to identify the correlation of bank efficiency with nonperforming loan to total liabilities, capital fund to risk weighted assets, core capital to risk weighted assets, total equity to total assets and logarithm of total assets, examine correlation of banks capital with size, return on assets and total interest revenue to total assets, assess correlation of bank risk with efficiency, capital, net loan to total assets and loan to deposit ratio, analyze whether the higher capital ratio reduces overall bank risk. In order to achieve the objectives quantitative approach was used by using descriptive research. Data were collected from 15 commercial banks out of 30 commercial banks. The study used secondary data which was retrieved from published statements of accounts of the banks both from the central bank and the respective commercial banks for the period of ten years 2004-2013.The collected data was analyzed using Statistical Package for Social Sciences (SPSS) software. Descriptive statistics for panel data, correlation matrix and stepwise regression models were carried out to determine the effects of bank specific variables.
The result of the study showed that non-joint ventures offer more loan to deposit ratio than joint venture and public banks. Public banks have low equity to total assets which means that public banks are likely burdened. The study showed that loan loss reserves to total assets have negative relationship with loan to deposit ratio which implies that higher credit to deposit increases the bank risk. Similarly, the study showed that capital and operating efficiency has negative relationship which indicates that whenever there is less efficiency than capital of the company decreases. In addition, there is positive relationship between efficiency and non-performing loan to total loan, total equity to total assets, capital fund to risk-weighted assets and loan loss reserves to total assets.
The major conclusion of the study is risk and capital are negatively related in Nepalese Commercial Banks which implies that risk increases with the decrease of stock of capital in Nepalese Commercial Banks. Furthermore there is significant relationship between risk and efficiency which implies that efficient banks have higher risk. Further banks which have higher net loans to total assets composition has higher risk as there is positive relationship between net loans to total assets and risk. In addition risk and loan to deposit ratio has negative relationship which suggest that risk increases with decrease in loan to deposit ratio. In capital equation, there is positive relationship between capital and interest revenue to total assets which implies that capital increases with increase in interest revenue. Based on the findings, it shows inverse relationship between total assets and capital of commercial banks which shows larger banks has less capital, so firm willing to increase their capital should increase their return on assets and proper management of variables should be done in order to improve bank performance. And future studies can be carried out by selecting other development banks and finance companies and to generalize the findings and to further investigate the relationship between relationship between risk, capital and efficiency. Alternative accounting and market based indicators of banking-risk, Basel capital strength factors and alternative bank cost and efficiency measures are suggested in order to examine the consistency of findings. In future research more sophisticated statistical tools can be used to make findings more reliable and valid across different industry sectors in developing countries like Nepal. And also future research should cover macroeconomic condition of the country. Moreover, the definition of risk and capital should be changed to observed stronger theoretical foundation and for efficiency variable; future study should use cost and economic efficiency to give clear picture from different aspect.Relationship between risk, capital and efficiency :evidence from Nepalese commercial banks [printed text] / Prabha Paudel, Author . - 2015 . - 84p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'return on equity return on assets risk weighted assets' Class number: 332.106 Abstract: Bank efficiency has received much attention in academic literature. There is far less research on the empirical side. All the empirical work investigating relationship between risk, capital and efficiency has focused developed economy. This study investigates the relationship between risks, capital and efficiency behaviour of selected Nepalese commercial banks. This study is guided by economic efficiency theory and regulatory and efficient marketing monitoring hypothesis. Economic efficiency theory states that company should achieve their output at the lowest possible cost per unit produced. Regulators and efficient marketing monitoring hypothesis states that regulators encourage banks to increase their capital to commensurate with the amount of risk taken by the banks. There are several studies conducted on the relationship between risk, capital and efficiency. Some of the review showed that large banks enjoy better efficiency than smaller bank, more capital and large sized banks can improve the operating efficiency of banking firm. Local banks were doing better than foreign banks in case of ROA and ROE. Capital regulations and performance was more problematic in the case of merger and acquisition between a big bank having large workforce and a small bank having staff strength but high personnel cost.
The main objective of the study is to assess the relationship between risk, capital and efficiency in Nepalese commercial banks. The other specific objectives are to identify the correlation of bank efficiency with nonperforming loan to total liabilities, capital fund to risk weighted assets, core capital to risk weighted assets, total equity to total assets and logarithm of total assets, examine correlation of banks capital with size, return on assets and total interest revenue to total assets, assess correlation of bank risk with efficiency, capital, net loan to total assets and loan to deposit ratio, analyze whether the higher capital ratio reduces overall bank risk. In order to achieve the objectives quantitative approach was used by using descriptive research. Data were collected from 15 commercial banks out of 30 commercial banks. The study used secondary data which was retrieved from published statements of accounts of the banks both from the central bank and the respective commercial banks for the period of ten years 2004-2013.The collected data was analyzed using Statistical Package for Social Sciences (SPSS) software. Descriptive statistics for panel data, correlation matrix and stepwise regression models were carried out to determine the effects of bank specific variables.
The result of the study showed that non-joint ventures offer more loan to deposit ratio than joint venture and public banks. Public banks have low equity to total assets which means that public banks are likely burdened. The study showed that loan loss reserves to total assets have negative relationship with loan to deposit ratio which implies that higher credit to deposit increases the bank risk. Similarly, the study showed that capital and operating efficiency has negative relationship which indicates that whenever there is less efficiency than capital of the company decreases. In addition, there is positive relationship between efficiency and non-performing loan to total loan, total equity to total assets, capital fund to risk-weighted assets and loan loss reserves to total assets.
The major conclusion of the study is risk and capital are negatively related in Nepalese Commercial Banks which implies that risk increases with the decrease of stock of capital in Nepalese Commercial Banks. Furthermore there is significant relationship between risk and efficiency which implies that efficient banks have higher risk. Further banks which have higher net loans to total assets composition has higher risk as there is positive relationship between net loans to total assets and risk. In addition risk and loan to deposit ratio has negative relationship which suggest that risk increases with decrease in loan to deposit ratio. In capital equation, there is positive relationship between capital and interest revenue to total assets which implies that capital increases with increase in interest revenue. Based on the findings, it shows inverse relationship between total assets and capital of commercial banks which shows larger banks has less capital, so firm willing to increase their capital should increase their return on assets and proper management of variables should be done in order to improve bank performance. And future studies can be carried out by selecting other development banks and finance companies and to generalize the findings and to further investigate the relationship between relationship between risk, capital and efficiency. Alternative accounting and market based indicators of banking-risk, Basel capital strength factors and alternative bank cost and efficiency measures are suggested in order to examine the consistency of findings. In future research more sophisticated statistical tools can be used to make findings more reliable and valid across different industry sectors in developing countries like Nepal. And also future research should cover macroeconomic condition of the country. Moreover, the definition of risk and capital should be changed to observed stronger theoretical foundation and for efficiency variable; future study should use cost and economic efficiency to give clear picture from different aspect.Hold
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Barcode Call number Media type Location Section Status 81/D 332.106 PAU Maps and Plans Uniglobe Library Social Sciences Available Research in Nepalese finance / Pradhane, Radheshyam
Title : Research in Nepalese finance Material Type: printed text Authors: Pradhane, Radheshyam, Author Price: Rs.195 Languages : English Descriptors: Business enterprises-Finance
Finance
NepalKeywords: 'business enterprises finance finance Nepal' Class number: 332.954 Research in Nepalese finance [printed text] / Pradhane, Radheshyam, Author . - [s.d.].
Rs.195
Languages : English
Descriptors: Business enterprises-Finance
Finance
NepalKeywords: 'business enterprises finance finance Nepal' Class number: 332.954 Hold
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Barcode Call number Media type Location Section Status 131 332.954 PRD Books Uniglobe Library Social Sciences Available 132 332.954 PRD Books Uniglobe Library Social Sciences Available Research in Nepalese finance / Radheshyam Pradhan
Title : Research in Nepalese finance Material Type: printed text Authors: Radheshyam Pradhan, Author Edition statement: 2nd ed Publisher: Kathmandu: Buddha Publication Date: 2006 Pagination: 250p Size: Book Price: Rs.195 Languages : English Descriptors: Business enterprises- finance
Finance
NepalKeywords: 'business enterprise finance Nepalese finance' Class number: 332.954 Research in Nepalese finance [printed text] / Radheshyam Pradhan, Author . - 2nd ed . - [S.l.] : Kathmandu: Buddha, 2006 . - 250p ; Book.
Rs.195
Languages : English
Descriptors: Business enterprises- finance
Finance
NepalKeywords: 'business enterprise finance Nepalese finance' Class number: 332.954 Hold
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Barcode Call number Media type Location Section Status 8065 332.954 PRA Books Uniglobe Library Social Sciences Available Risk management practices in nepalese commercial banks / Gopal Joshi
Title : Risk management practices in nepalese commercial banks Material Type: printed text Authors: Gopal Joshi, Author Publication Date: 2013 Pagination: 124p. Size: GRP/Thesis Accompanying material: 2013 General note: Including bibliography
Languages : English Descriptors: Bank management
Commercial banks
Gopal Joshi
Nepal
Risk managementKeywords: 'Risk management', 'management practices'gopal joshi nepal bank management commercial bank' Class number: 332.106 Risk management practices in nepalese commercial banks [printed text] / Gopal Joshi, Author . - 2013 . - 124p. ; GRP/Thesis + 2013.
Including bibliography
Languages : English
Descriptors: Bank management
Commercial banks
Gopal Joshi
Nepal
Risk managementKeywords: 'Risk management', 'management practices'gopal joshi nepal bank management commercial bank' Class number: 332.106 Hold
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Barcode Call number Media type Location Section Status 4/D 332.106 JOS Thesis/Dissertation Uniglobe Library Social Sciences Available Risk management practices: a survey of commercial banks in Nepal / Dipesh Banepali
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