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Monetary policy and bank performance : evidence from commercial bank of Nepal / Nirmal Bam
Title : Monetary policy and bank performance : evidence from commercial bank of Nepal Material Type: printed text Authors: Nirmal Bam, Author Publication Date: 2013 Pagination: 77p. Size: GRP/Thesis Accompanying material: 1/B General note: Including bibliography
Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Monetary policy
Monetary policy-Nepal
Nepal
Nirmal BamKeywords: 'monetary policy bank performance banks bank and banking nepal commercial banks nirmal bam' Class number: 332.46 Monetary policy and bank performance : evidence from commercial bank of Nepal [printed text] / Nirmal Bam, Author . - 2013 . - 77p. ; GRP/Thesis + 1/B.
Including bibliography
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Barcode Call number Media type Location Section Status 1/D 332.46 BAM Thesis/Dissertation Uniglobe Library Social Sciences Available Principles and practices of Nepalese / Rajan Bikram Thapa
Title : Principles and practices of Nepalese Material Type: printed text Authors: Rajan Bikram Thapa, Author Publisher: Kathmandu: Buddha Publication Date: 2010 Pagination: 301p Size: Book Price: Rs.325 Languages : English Descriptors: Attitude
Intention
NepalKeywords: 'Nepal attitude intention' Class number: 332.103 Principles and practices of Nepalese [printed text] / Rajan Bikram Thapa, Author . - [S.l.] : Kathmandu: Buddha, 2010 . - 301p ; Book.
Rs.325
Languages : English
Descriptors: Attitude
Intention
NepalKeywords: 'Nepal attitude intention' Class number: 332.103 Hold
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Barcode Call number Media type Location Section Status 1230 332.103 THA Books Uniglobe Library Social Sciences Available 1231 332.103 THA Books Uniglobe Library Social Sciences Available Relationship between capital and risk: evidence from Nepalese commercial banks / Krishna Kumar Rokka
Title : Relationship between capital and risk: evidence from Nepalese commercial banks Material Type: printed text Authors: Krishna Kumar Rokka, Author Publication Date: 2014 Pagination: 80p. Size: GRP/Thesis Accompanying material: 1/B General note: Including bibliography Languages : English Descriptors: Bank capital
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'bank bank and banking commercial banks nepal risk nepal' Class number: 332.106 Abstract: Banking is the most regulated industry in the world. Apart from the product and its service, banking regulation also cover its institution. The aim of the bank regulation is to increase prudential practices that will reduce the level of risk bank are exposed to. Furthermore, bank is also very important to the economy as the failure of banking will inhibit economic crisis. This motivation is known as systemic risk reduction motivation. In general, banking regulation is for the interest of depositors. In general capital regulation is very important because it plays an important role in banks' health and risk taking behavior, and its impact on competitiveness banks. This states that there is somehow relationship between banking capital and the risk taking behavior of commercial banks. There is far less researches on the empirical side. All work investigating the relationship between capital and risk relationship between banking capital and risk taking has focused on the developing countries. This study investigates the relationship between capital and banks if selected commercial banks of Nepal. The objectives of the study were to examine the relationship between the capital and risk with other bank specific variables viz. bank size, ROA and net lending to total assets, and to examine the opinion of banking practitioner on the capital and risk.
This study is guided by M.M. theory to capital, Markowitz portfolio theory and managers incentive theory. M.M. theory states that that valuation of the firm is irrelevant to the capital structure of a company whether it is highly leverage or has lower debt component. Markowitz portfolio theory states that a single assets may be very risky when held in isolation, but not much risky when held in combination with other assets in a portfolio. Managers’ incentive theory states that manager, acting as the agent for the shareholders, or principals, is supposed to make decisions that will maximize shareholder wealth. However, it is in the manager's own best interest to maximize his own wealth. So there is conflict of interest and as a result agency cost problem arises. There are several studies conducted on the relationship between capital and risk. Some of the review showed positive relationship between capital and risk, large size banks hold less capital than small banks, profit and capital are positively related, net lending is inversely related with risk. Capital regulation has played important role in preventing commercial banks from failures by restricting them in involving excessive risk taking.
This study has used both qualitative and quantitative approach by using descriptive research design. Data were collected from 14 commercial banks out of 31 commercial banks which existed and had the required data during the entire study period. The study used secondary data, which was retrieved from bank and financial statistics published by NRB and the individual bank’s financial statement. The primary source of data was collected through the questionnaire survey from the bank officers. The collected data was analyzed using SPSS software. Descriptive statistics, correlation analysis, portfolio analysis and regression analysis were carried out to analyze the secondary data.
The result of the study showed that bank size and capital is significantly and negatively related with banking risk which implies that large size bank tens to be less risky and larger capital banks tend to reduce the risk taking behavior. Similarly, capital is negatively related to bank size indicating that larger banks tend to hold less capital due to their economies of scale and lower transaction cost. Profitability is positively related to capital but not statistically insignificant. The study also finds that regulators plays important role in controlling the risk taking activity of the commercial bank and it has helped banks in maintaining positive relationship between capital and risk. The study reveals that out of many factors, credit risk is more responsible for banking risk and market discipline and regulations have contributed a lot for capital base requirement.
The major conclusion of the study is that there is inverse relationship between capital and banking risk. Similarly, the inverse relationship between bank size and risk indicates that large banks tend to have lower risk. Overall the results suggest that regulators should monitor closely bank loan expansion, and capital adequacy requirement on risk-taking activities so as to ensure a safer operating environment for banks in Nepal. And further studies are suggested with wide coverage of banks and financial system.
Relationship between capital and risk: evidence from Nepalese commercial banks [printed text] / Krishna Kumar Rokka, Author . - 2014 . - 80p. ; GRP/Thesis + 1/B.
Including bibliography
Languages : English
Descriptors: Bank capital
Banks and banking
Commercial banks
Nepal
RiskKeywords: 'bank bank and banking commercial banks nepal risk nepal' Class number: 332.106 Abstract: Banking is the most regulated industry in the world. Apart from the product and its service, banking regulation also cover its institution. The aim of the bank regulation is to increase prudential practices that will reduce the level of risk bank are exposed to. Furthermore, bank is also very important to the economy as the failure of banking will inhibit economic crisis. This motivation is known as systemic risk reduction motivation. In general, banking regulation is for the interest of depositors. In general capital regulation is very important because it plays an important role in banks' health and risk taking behavior, and its impact on competitiveness banks. This states that there is somehow relationship between banking capital and the risk taking behavior of commercial banks. There is far less researches on the empirical side. All work investigating the relationship between capital and risk relationship between banking capital and risk taking has focused on the developing countries. This study investigates the relationship between capital and banks if selected commercial banks of Nepal. The objectives of the study were to examine the relationship between the capital and risk with other bank specific variables viz. bank size, ROA and net lending to total assets, and to examine the opinion of banking practitioner on the capital and risk.
This study is guided by M.M. theory to capital, Markowitz portfolio theory and managers incentive theory. M.M. theory states that that valuation of the firm is irrelevant to the capital structure of a company whether it is highly leverage or has lower debt component. Markowitz portfolio theory states that a single assets may be very risky when held in isolation, but not much risky when held in combination with other assets in a portfolio. Managers’ incentive theory states that manager, acting as the agent for the shareholders, or principals, is supposed to make decisions that will maximize shareholder wealth. However, it is in the manager's own best interest to maximize his own wealth. So there is conflict of interest and as a result agency cost problem arises. There are several studies conducted on the relationship between capital and risk. Some of the review showed positive relationship between capital and risk, large size banks hold less capital than small banks, profit and capital are positively related, net lending is inversely related with risk. Capital regulation has played important role in preventing commercial banks from failures by restricting them in involving excessive risk taking.
This study has used both qualitative and quantitative approach by using descriptive research design. Data were collected from 14 commercial banks out of 31 commercial banks which existed and had the required data during the entire study period. The study used secondary data, which was retrieved from bank and financial statistics published by NRB and the individual bank’s financial statement. The primary source of data was collected through the questionnaire survey from the bank officers. The collected data was analyzed using SPSS software. Descriptive statistics, correlation analysis, portfolio analysis and regression analysis were carried out to analyze the secondary data.
The result of the study showed that bank size and capital is significantly and negatively related with banking risk which implies that large size bank tens to be less risky and larger capital banks tend to reduce the risk taking behavior. Similarly, capital is negatively related to bank size indicating that larger banks tend to hold less capital due to their economies of scale and lower transaction cost. Profitability is positively related to capital but not statistically insignificant. The study also finds that regulators plays important role in controlling the risk taking activity of the commercial bank and it has helped banks in maintaining positive relationship between capital and risk. The study reveals that out of many factors, credit risk is more responsible for banking risk and market discipline and regulations have contributed a lot for capital base requirement.
The major conclusion of the study is that there is inverse relationship between capital and banking risk. Similarly, the inverse relationship between bank size and risk indicates that large banks tend to have lower risk. Overall the results suggest that regulators should monitor closely bank loan expansion, and capital adequacy requirement on risk-taking activities so as to ensure a safer operating environment for banks in Nepal. And further studies are suggested with wide coverage of banks and financial system.
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Barcode Call number Media type Location Section Status 62/D 332.106 ROK Thesis/Dissertation Uniglobe Library Social Sciences Available Relationship between job satisfaction and performance of Nepalese commercial banks / Pitamber Nepal
Title : Relationship between job satisfaction and performance of Nepalese commercial banks Material Type: printed text Authors: Pitamber Nepal, Author Publication Date: 2016 Pagination: 77p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Consumer satisfaction
Job satisfaction
NepalKeywords: 'employee satisfaction job satisfactions employees banks banks and banking commercial banks nepal' Class number: 332.1 Abstract: Workforce of any bank is responsible to a large extent for its productivity and profitability.Efficient human resource management and maintaining higher job satisfaction level in Banks determine not only the performance of the Bank but also affect the growth and performance of the entire economy. The banking sector of Nepal is facing its ultimate test amidst political instability, liquidity crisis, and unfavorable policies of the regulating body, sluggish economy and various other macro and micro economic factors. There are a lot of challenges in the banking sector which need to be strengtheningthrough improvement in the regulatory/supervisory system and improvements in the implementation of new standards on quality and quantity of capital and liquidity risk management. Employees’ job satisfaction is a multi-disciplinary concept that results from employees’ perception of their jobs and the degree to which there is a good fit between them and the organization.
Satisfied workers are expected to perform well in an acceptable manner to the organization.It is necessary to identify major causes of employee’s job dissatisfaction and the analysis else should be made of the external and internal environment of the organization,and how far the aspiration of the employees are fulfilled should be observed. Employee satisfaction is important for organization’s success, survival and differences in employee satisfaction with the office environment between employees with regard to health, wellbeing, improvement in employee productivity, best services, good behavior between staff, socially, economically, improvement in banking sector and job satisfaction.
The literatures have revealed that the most important factors determining the subordinates´ job satisfaction were linked to the branch manager’s assumption of the role, their esteem, mobility, representation and tolerance towards uncertainty. Employee compensation is found to be most important factor for creating satisfaction among employee while employee empowerment is found to be significant factor for developing employee loyalty. Job satisfaction can be determined by ten variables such as payment, happy to work, promotion, subordinate supervisor relationship, direction of supervisor, achievement, appreciation, participation in decision making, proud to work and enough description. Researchers also found five factors that would determine the level of satisfaction in the banking sector are; working condition in the present job, present pay, and supervision on present job, opportunities for promotion, and the people in the working place.Herzberg`s theory have also stipulates that satisfied employees tend to be more productive, creative and committed to their employers, his study shows a direct correlation between employee satisfaction.
The study basically focuses on the assessment of the performance in terms of job satisfaction among the employees. This study aims to analyze to analyze the effect of different satisfaction determinants to the level of job satisfaction in bank employees and to examine the relationship between satisfaction level and performance.The study is based on primary sources of data. The primary sources of data have been used to assess the opinion of respondents with the respect to their employee’s satisfaction.The total population for this research is the employees of the commercial bank. These targeted populations are the employees of commercial bank within Kathmandu Valley. For qualitative research the sample of this study consists of the different level of employees of 16 commercial banks. The levels of respondents in this study falls under executive/ manager level, officer level and assistant level. For the analysis of employee’s satisfaction of Nepalese commercial banks, total of 220 questionnaires were distributed to the respondents and 170 were collected.
The responses of the employees have revealed that bank can satisfy its employees for better bank performance by providing higher salary, by providing adoptable nature of work, by providing good congenial working environment and by providing regular training and development programs to enhance their skills and knowledge. The study found that the higher level of satisfaction in employees with presence of those determinants, bank can increase its performance where ROE, EPS and ROA can be maximized. This study also found that employees always expect to get higher benefits from the bank, which includes salary and bonuses. If those expectations are fulfilled then only employees are satisfied so that bank can increase bank performance.Relationship between job satisfaction and performance of Nepalese commercial banks [printed text] / Pitamber Nepal, Author . - 2016 . - 77p. ; GRP/Thesis + 4/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Consumer satisfaction
Job satisfaction
NepalKeywords: 'employee satisfaction job satisfactions employees banks banks and banking commercial banks nepal' Class number: 332.1 Abstract: Workforce of any bank is responsible to a large extent for its productivity and profitability.Efficient human resource management and maintaining higher job satisfaction level in Banks determine not only the performance of the Bank but also affect the growth and performance of the entire economy. The banking sector of Nepal is facing its ultimate test amidst political instability, liquidity crisis, and unfavorable policies of the regulating body, sluggish economy and various other macro and micro economic factors. There are a lot of challenges in the banking sector which need to be strengtheningthrough improvement in the regulatory/supervisory system and improvements in the implementation of new standards on quality and quantity of capital and liquidity risk management. Employees’ job satisfaction is a multi-disciplinary concept that results from employees’ perception of their jobs and the degree to which there is a good fit between them and the organization.
Satisfied workers are expected to perform well in an acceptable manner to the organization.It is necessary to identify major causes of employee’s job dissatisfaction and the analysis else should be made of the external and internal environment of the organization,and how far the aspiration of the employees are fulfilled should be observed. Employee satisfaction is important for organization’s success, survival and differences in employee satisfaction with the office environment between employees with regard to health, wellbeing, improvement in employee productivity, best services, good behavior between staff, socially, economically, improvement in banking sector and job satisfaction.
The literatures have revealed that the most important factors determining the subordinates´ job satisfaction were linked to the branch manager’s assumption of the role, their esteem, mobility, representation and tolerance towards uncertainty. Employee compensation is found to be most important factor for creating satisfaction among employee while employee empowerment is found to be significant factor for developing employee loyalty. Job satisfaction can be determined by ten variables such as payment, happy to work, promotion, subordinate supervisor relationship, direction of supervisor, achievement, appreciation, participation in decision making, proud to work and enough description. Researchers also found five factors that would determine the level of satisfaction in the banking sector are; working condition in the present job, present pay, and supervision on present job, opportunities for promotion, and the people in the working place.Herzberg`s theory have also stipulates that satisfied employees tend to be more productive, creative and committed to their employers, his study shows a direct correlation between employee satisfaction.
The study basically focuses on the assessment of the performance in terms of job satisfaction among the employees. This study aims to analyze to analyze the effect of different satisfaction determinants to the level of job satisfaction in bank employees and to examine the relationship between satisfaction level and performance.The study is based on primary sources of data. The primary sources of data have been used to assess the opinion of respondents with the respect to their employee’s satisfaction.The total population for this research is the employees of the commercial bank. These targeted populations are the employees of commercial bank within Kathmandu Valley. For qualitative research the sample of this study consists of the different level of employees of 16 commercial banks. The levels of respondents in this study falls under executive/ manager level, officer level and assistant level. For the analysis of employee’s satisfaction of Nepalese commercial banks, total of 220 questionnaires were distributed to the respondents and 170 were collected.
The responses of the employees have revealed that bank can satisfy its employees for better bank performance by providing higher salary, by providing adoptable nature of work, by providing good congenial working environment and by providing regular training and development programs to enhance their skills and knowledge. The study found that the higher level of satisfaction in employees with presence of those determinants, bank can increase its performance where ROE, EPS and ROA can be maximized. This study also found that employees always expect to get higher benefits from the bank, which includes salary and bonuses. If those expectations are fulfilled then only employees are satisfied so that bank can increase bank performance.Hold
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Barcode Call number Media type Location Section Status 143/D 332.1 NEP Thesis/Dissertation Uniglobe Library Technology Available