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Data analysis and modelling / Azay Bikram Sthapit

Title : Data analysis and modelling Material Type: printed text Authors: Azay Bikram Sthapit, Author Edition statement: 4th ed Publisher: Kathmandu: Asmita Books Publication Date: 2015 Pagination: 390p Size: Books Price: Rs.495 Languages : English Descriptors: Business - Mathematical models

Commercial statistics

Management statistical methodsKeywords: 'statistics statistical methods mathematical models' Class number: 519.5 Data analysis and modelling [printed text] / Azay Bikram Sthapit, Author . - 4th ed . - [S.l.] : Kathmandu: Asmita Books, 2015 . - 390p ; Books.

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Languages : English

Descriptors: Business - Mathematical models

Commercial statistics

Management statistical methodsKeywords: 'statistics statistical methods mathematical models' Class number: 519.5 ## Hold

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Barcode Call number Media type Location Section Status 9081 519.5 STH Books Uniglobe Library Natural Science Due for return by 06/26/20199082 519.5 STH Books Uniglobe Library Natural Science Available5750 519.5 STH Books Uniglobe Library Natural Science Available5751 519.5 STH Books Uniglobe Library Natural Science Available5752 519.5 STH Books Uniglobe Library Natural Science Available5753 519.5 STH Books Uniglobe Library Natural Science Available5754 519.5 STH Books Uniglobe Library Natural Science Available5755 519.5 STH Books Uniglobe Library Natural Science Available5756 519.5 STH Books Uniglobe Library Natural Science Due for return by 07/30/20195757 519.5 STH Books Uniglobe Library Natural Science Due for return by 06/29/20195758 519.5 STH Books Uniglobe Library Natural Science Available5759 519.5 STH Books Uniglobe Library Natural Science Available5760 519.5 STH Books Uniglobe Library Natural Science Available5761 519.5 STH Books Uniglobe Library Natural Science Due for return by 06/19/20185762 519.5 STH Books Uniglobe Library Natural Science Available5763 519.5 STH Books Uniglobe Library Natural Science Available5764 519.5 STH Books Uniglobe Library Natural Science Available5765 519.5 STH Books Uniglobe Library Natural Science Available5766 519.5 STH Books Uniglobe Library Natural Science Available5767 519.5 STH Books Uniglobe Library Natural Science Available5768 519.5 STH Books Uniglobe Library Natural Science Due for return by 09/28/20215769 519.5 STH Books Uniglobe Library Natural Science Due for return by 03/01/20215770 519.5 STH Books Uniglobe Library Natural Science Available5771 519.5 STH Books Uniglobe Library Natural Science Due for return by 03/13/20215772 519.5 STH Books Uniglobe Library Natural Science Available5773 519.5 STH Books Uniglobe Library Natural Science Available5774 519.5 STH Books Uniglobe Library Natural Science Available5775 519.5 STH Books Uniglobe Library Natural Science Available5776 519.5 STH Books Uniglobe Library Natural Science Available5777 519.5 STH Books Uniglobe Library Natural Science Available5778 519.5 STH Books Uniglobe Library Natural Science Available5779 519.5 STH Books Uniglobe Library Natural Science Available6785 519.5 STH Books Uniglobe Library Natural Science Available6786 519.5 STH Books Uniglobe Library Natural Science Due for return by 10/27/20206787 519.5 STH Books Uniglobe Library Natural Science Available6788 519.5 STH Books Uniglobe Library Natural Science Available6789 519.5 STH Books Uniglobe Library Natural Science Available6790 519.5 STH Books Uniglobe Library Natural Science Available6791 519.5 STH Books Uniglobe Library Natural Science Available6792 519.5 STH Books Uniglobe Library Natural Science Available6793 519.5 STH Books Uniglobe Library Natural Science Available6794 519.5 STH Books Uniglobe Library Natural Science Available6795 519.5 STH Books Uniglobe Library Natural Science Available6796 519.5 STH Books Uniglobe Library Natural Science Due for return by 03/24/20216797 519.5 STH Books Uniglobe Library Natural Science Due for return by 11/14/20196798 519.5 STH Books Uniglobe Library Natural Science Available6799 519.5 STH Books Uniglobe Library Natural Science Due for return by 10/26/20206800 519.5 STH Books Uniglobe Library Natural Science Available6801 519.5 STH Books Uniglobe Library Natural Science Available6802 519.5 STH Books Uniglobe Library Natural Science Available6803 519.5 STH Books Uniglobe Library Natural Science Available6804 519.5 STH Books Uniglobe Library Natural Science Available6805 519.5 STH Books Uniglobe Library Natural Science Available6806 519.5 STH Books Uniglobe Library Natural Science Available6807 519.5 STH Books Uniglobe Library Natural Science Available6808 519.5 STH Books Uniglobe Library Natural Science Available6809 519.5 STH Books Uniglobe Library Natural Science Available6810 519.5 STH Books Uniglobe Library Natural Science Available6811 519.5 STH Books Uniglobe Library Natural Science Available6812 519.5 STH Books Uniglobe Library Natural Science Available6813 519.5 STH Books Uniglobe Library Natural Science Available6814 519.5 STH Books Uniglobe Library Social Sciences AvailableEffect of deposits volume on lending behavior of Nepalese commercial banks / Srijana Poudel

Title : Effect of deposits volume on lending behavior of Nepalese commercial banks Material Type: printed text Authors: Srijana Poudel, Author Publication Date: 2018 Pagination: 96p. Size: GRP/Thesis Accompanying material: 11/B Languages : English Descriptors: Business - Mathematical models Class number: 332 Abstract: The study of lending behavior has captured the attention of finance scholars since the middle of the last century. Deposit volume is a very crucial issue in the modern corporate business environment. Few studies have been carried out to examine the effect of deposit volume on bank's lending behavior. In regards to the effect of deposit volume on bank's lending behavior the results are not unanimous.

This study attempts to examine the effect of deposit volume on bank's lending behaviorof Nepalese commercial banks. The study also identifies the practitionerâ€™s preference towards loan and advances and total loan to total asset. The study is based on secondary data of 16 commercial banks with 144 observations for the period of 2007/08 to 2015/16. 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 effect of deposit volume on bank's lending behaviorof Nepalese commercial banks.

The analysis of structure and pattern of loan and advances shows that average loan and advances is highest for NIBL (Rs. 48.48 billion) and lowest for NCCBL (Rs. 13.22 billion). It has been found that the average loans and advances of commercial banks computed across the year is in increasing trend. The average total loan to total asset is highest for SIBL (72.60 percent) and lowest for SCBNL (43.66 percent). It has been found that the average total loan to total asset of commercial banks computed across the year is in increasing trend. The deposit is highest for highest for NBBL (99.53 percent) and lowest for NMBL (73.24 percent). It has been found that the average deposit of commercial banks computed across the year is in increasing trend. The average cash reserve ratio is highest for SUBL (27.77 percent) and lowest for HBL (6.95 percent). It has been found that the average cash reserve ratio of commercial banks computed across the year is in increasing trend. CBIL has highest average interest rate (11.38 percent) and SCBNL has lowest average interest rate (6.62 percent). It has been found that the average interest rate of commercial banks computed across the year is in decreasing trend.

The average solvency ratio is highest for EBL (92.95 percent) and lowest for NMBL (88.98 percent). It has been found that the average solvency ratio of commercial banks computed across the year is in decreasing trend. The average bank size is highest for NIBL (Rs. 74.08 billion) and lowest for NCCBL (Rs. 19.88 billion). It has been found that the average bank size of commercial banks computed across the year is in increasing trend. The average inflation rate is 8.89 percent with a standard deviation of 1.48 percent during the study period 2007/08 to 2015/16. It has been found that the inflation rate is neither in decreasing nor in increasing trend, it is in stagnant trend for the study period. The analysis also reveals that the average deposit is 86.16 percent, interest rate is 9.68 percent, cash reserve ratio is 12.58 percent, solvency ratio is 91.01percent, bank size is Rs. 40.18 billion, foreign ownership is 0.38 percent and inflation is 8.89 percent,loan and advances is Rs. 25.53 billion,total loan to total asset is 64.84 for selected commercial banks.

The correlation analysis also shows that there is positive relationship of solvency ratio with loan advances. It means that higher the solvency ratio, higher would be the loan advances. The bank size is positively related to loan advances. It indicates that bigger the bank size, higher would be the loan advances. On the other hand, there is positive relationship between loan advances and foreign ownership. It means that higher the foreign ownership, higher would be the loan advances. However, inflation has negative relationship with loan advances. It indicates that higher the inflation, lower would be the loan advances. The result shows that deposit is positively correlated to total loan to total assets. This indicates that higher the deposit, higher would be the total loan to total assets. However, cash reserve ratio has negative relationship with total loan to total assets. This indicates that higher the cash reserve ratio, lower would be the total loan to total assets. The interest rate has positive relationship with total loan to total assets. It reveals that higher the interest rate, higher would be the total loan to total assets. The results also show that there is negative relationship of solvency ratio with total loan to total assets. It means that higher the solvency ratio, lower would be the total loan to total assets. Similarly, bank size is positively related to loan advances. It indicates that bigger the bank size, higher would be the loan advances. There is negative relationship between total loan to total assets and foreign ownership. It means that higher the foreign ownership, lower would be the total loan to total assets. The inflation has negative relationship with total loan to total assets. It indicates that higher the inflation, lower would be the total loan to total asset.

The regression result shows that beta coefficients for deposit are positive and significant with loan advances. This indicates that higher the deposit, higher would be the loan and advances. The regression result shows that beta coefficients for cash reserve ratio are negative and significant with loan advances. This indicates that cash reserve ratio has negative impact on theloan and advances. Additionally, the beta coefficients for interest rate are positive and significant with loan advances. It reveals that interest rate has positive impact on loan and advances. The beta coefficients for solvency ratio are positive with loan and advances. The result denotes that solvency ratio has positive impact on loan and advances. Similarly, the beta coefficients for bank size are positive and significant with loan and advances. It reveals that bank size has positive impact on loan and advances. However, the beta coefficients for foreign ownership are negative and significant with loan and advances. It indicates that foreign ownership has negative impact on loan and advances. On the other hand, the beta coefficients for inflation are negative with total loans to total assets. It reveals that inflation has negative impact on total loans to total assets. The regression result shows that beta coefficients for deposit are positive and significant with total loans to total assets. This indicates that deposit has positive impact on total loans to total assets. On the other hand, the beta coefficients for cash reserve ratio are negative with total loans to total assets. This indicates that cash reserve ratio has negative impact on total loans to total assets. Additionally, the beta coefficients for interest rate are positive and significant with total loans to total assets. It reveals that interest rate has positive impact on total loans to total assets. Likewise, the beta coefficients for solvency ratio are negative with total loans to total assets. The result denotes that solvency ratio has negative impact on total loans to total assets. Similarly, the beta coefficients for bank size are positive with total loans to total assets. It reveals that bank size has positive impact on total loans to total assets. However, the beta coefficient for foreign ownership is negative with total loans to total assets. It indicates that foreign has negative impact on total loans to total assets. On the other hand, the beta coefficients for inflation are negative with total loans to total assets. It reveals that inflation has negative impact on total loans to total assets.

Effect of deposits volume on lending behavior of Nepalese commercial banks [printed text] / Srijana Poudel, Author . - 2018 . - 96p. ; GRP/Thesis + 11/B.

Languages : English

Descriptors: Business - Mathematical models Class number: 332 Abstract: The study of lending behavior has captured the attention of finance scholars since the middle of the last century. Deposit volume is a very crucial issue in the modern corporate business environment. Few studies have been carried out to examine the effect of deposit volume on bank's lending behavior. In regards to the effect of deposit volume on bank's lending behavior the results are not unanimous.

This study attempts to examine the effect of deposit volume on bank's lending behaviorof Nepalese commercial banks. The study also identifies the practitionerâ€™s preference towards loan and advances and total loan to total asset. The study is based on secondary data of 16 commercial banks with 144 observations for the period of 2007/08 to 2015/16. 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 effect of deposit volume on bank's lending behaviorof Nepalese commercial banks.

The analysis of structure and pattern of loan and advances shows that average loan and advances is highest for NIBL (Rs. 48.48 billion) and lowest for NCCBL (Rs. 13.22 billion). It has been found that the average loans and advances of commercial banks computed across the year is in increasing trend. The average total loan to total asset is highest for SIBL (72.60 percent) and lowest for SCBNL (43.66 percent). It has been found that the average total loan to total asset of commercial banks computed across the year is in increasing trend. The deposit is highest for highest for NBBL (99.53 percent) and lowest for NMBL (73.24 percent). It has been found that the average deposit of commercial banks computed across the year is in increasing trend. The average cash reserve ratio is highest for SUBL (27.77 percent) and lowest for HBL (6.95 percent). It has been found that the average cash reserve ratio of commercial banks computed across the year is in increasing trend. CBIL has highest average interest rate (11.38 percent) and SCBNL has lowest average interest rate (6.62 percent). It has been found that the average interest rate of commercial banks computed across the year is in decreasing trend.

The average solvency ratio is highest for EBL (92.95 percent) and lowest for NMBL (88.98 percent). It has been found that the average solvency ratio of commercial banks computed across the year is in decreasing trend. The average bank size is highest for NIBL (Rs. 74.08 billion) and lowest for NCCBL (Rs. 19.88 billion). It has been found that the average bank size of commercial banks computed across the year is in increasing trend. The average inflation rate is 8.89 percent with a standard deviation of 1.48 percent during the study period 2007/08 to 2015/16. It has been found that the inflation rate is neither in decreasing nor in increasing trend, it is in stagnant trend for the study period. The analysis also reveals that the average deposit is 86.16 percent, interest rate is 9.68 percent, cash reserve ratio is 12.58 percent, solvency ratio is 91.01percent, bank size is Rs. 40.18 billion, foreign ownership is 0.38 percent and inflation is 8.89 percent,loan and advances is Rs. 25.53 billion,total loan to total asset is 64.84 for selected commercial banks.

The correlation analysis also shows that there is positive relationship of solvency ratio with loan advances. It means that higher the solvency ratio, higher would be the loan advances. The bank size is positively related to loan advances. It indicates that bigger the bank size, higher would be the loan advances. On the other hand, there is positive relationship between loan advances and foreign ownership. It means that higher the foreign ownership, higher would be the loan advances. However, inflation has negative relationship with loan advances. It indicates that higher the inflation, lower would be the loan advances. The result shows that deposit is positively correlated to total loan to total assets. This indicates that higher the deposit, higher would be the total loan to total assets. However, cash reserve ratio has negative relationship with total loan to total assets. This indicates that higher the cash reserve ratio, lower would be the total loan to total assets. The interest rate has positive relationship with total loan to total assets. It reveals that higher the interest rate, higher would be the total loan to total assets. The results also show that there is negative relationship of solvency ratio with total loan to total assets. It means that higher the solvency ratio, lower would be the total loan to total assets. Similarly, bank size is positively related to loan advances. It indicates that bigger the bank size, higher would be the loan advances. There is negative relationship between total loan to total assets and foreign ownership. It means that higher the foreign ownership, lower would be the total loan to total assets. The inflation has negative relationship with total loan to total assets. It indicates that higher the inflation, lower would be the total loan to total asset.

The regression result shows that beta coefficients for deposit are positive and significant with loan advances. This indicates that higher the deposit, higher would be the loan and advances. The regression result shows that beta coefficients for cash reserve ratio are negative and significant with loan advances. This indicates that cash reserve ratio has negative impact on theloan and advances. Additionally, the beta coefficients for interest rate are positive and significant with loan advances. It reveals that interest rate has positive impact on loan and advances. The beta coefficients for solvency ratio are positive with loan and advances. The result denotes that solvency ratio has positive impact on loan and advances. Similarly, the beta coefficients for bank size are positive and significant with loan and advances. It reveals that bank size has positive impact on loan and advances. However, the beta coefficients for foreign ownership are negative and significant with loan and advances. It indicates that foreign ownership has negative impact on loan and advances. On the other hand, the beta coefficients for inflation are negative with total loans to total assets. It reveals that inflation has negative impact on total loans to total assets. The regression result shows that beta coefficients for deposit are positive and significant with total loans to total assets. This indicates that deposit has positive impact on total loans to total assets. On the other hand, the beta coefficients for cash reserve ratio are negative with total loans to total assets. This indicates that cash reserve ratio has negative impact on total loans to total assets. Additionally, the beta coefficients for interest rate are positive and significant with total loans to total assets. It reveals that interest rate has positive impact on total loans to total assets. Likewise, the beta coefficients for solvency ratio are negative with total loans to total assets. The result denotes that solvency ratio has negative impact on total loans to total assets. Similarly, the beta coefficients for bank size are positive with total loans to total assets. It reveals that bank size has positive impact on total loans to total assets. However, the beta coefficient for foreign ownership is negative with total loans to total assets. It indicates that foreign has negative impact on total loans to total assets. On the other hand, the beta coefficients for inflation are negative with total loans to total assets. It reveals that inflation has negative impact on total loans to total assets.

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Barcode Call number Media type Location Section Status 474/D 332 POU Thesis/Dissertation Uniglobe Library Social Sciences AvailableFinancial leverage and firm performance : a case of Nepalese commercial banks / Manish Bhattarai

Title : Financial leverage and firm performance : a case of Nepalese commercial banks Material Type: printed text Authors: Manish Bhattarai, Author Publication Date: 2015 Pagination: 102p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Business - Mathematical models

Capital market

Capital-Mathematical models

Leveraged buyouts

NepalKeywords: 'financial leverage capital adequacy ratio debt to assets ratio return on assets return on equity liquidity' Class number: 658.152 Abstract: Financial decisions are taken in different paradigms of investment, financing, asset management and dividend policy. Investment decision is mainly concerned with three areas either the manager has to take decision about opening a new venture, or decision may be specific to expansion of current business venture and it may be to replace current assets or machinery.Once the investment decision is done, another most important decision is to how to finance in the investment. Firms mainly finance either from internal or from external sources. Firms internally finance from retained earnings whereas external source for firms is to either borrow or to finance through equity. Thus, the mix of debt and equity in financing is known as financial leverage. In another word, financial leverage represents a firmâ€™s financial framework which consists of the debt and equity used to finance the firm.

An unlevered firm is an all-equity firm, whereas a levered firm is made up of ownership equity and debt. Financial leverage takes the form of a loan or other borrowing (debt), the proceeds of which are (re)invested with the intent to earn a greater rate of return than the cost of interest. Financial leverage allows a greater potential returns to the investors than otherwise would have been available, but the potential loss is also greater: if the investment becomes worthless, the loan principal and all accrued interest on the loan still need to be repaid.

Financial leverage has always been one of themain topics among the studies of finance scholars.Its importance derives from the fact that capitalstructure is tightly related to firmâ€™s performance tofulfill the needs of various stakeholders. The lastcentury has witnessed a continuous developing ofnew theories on the optimal debt to equity ratio. Thefirst milestone on the issue was set by Modiglianiand Miller (1958), whose model argued on the irrelevance of the capital structure in determining firmsâ€™ value and performance.This study attempts to shed some light on the financial leverage issues in Nepalese context. The main issue is to analyze impact of financial leverage on firmâ€™s performance in context of Nepalese commercial banks.

The data collected for the study are quantitative and based on fact. The quantitative data were taken from different secondary sources.Data were obtained from financial statements of 16 sample commercial banks. The necessary financial statements have been collected from official website of concern commercial banks, Nepal Stock Exchange Limited (NEPSE), Security Board of Nepal (SEBON), and Nepal Rastra Bank (NRB). This study collected financial statements of sampled commercial banks for the period of eleven years. (i.e. July 2002/03 to July 2012/13).Data of variables were extracted from balance sheet, and income statement of respective banks. Financial leverage and control variables namely firm size, non interest income, liquidity and capital adequacy ratio has been used as independent variables whereas return on assets, return on equity and net interest margin has been used as proxy for firm performance as dependent variable. Descriptive statistics and correlation analysis has been used as method of analysis along with different statistical tests of significance for validation of model such as t-test, F-test, detection of autocorrelation and multi-colinearity and stepwise linear regression analysis.

After the data analysis, the result was found that the financial leverage effect negatively to firm performance. The presence of control variables also showed no effect in direction of relationship whereas only magnitude of relationship between financial leverage and firm performance was observed to be changed. Thus, the study concludes that to increase performance, firms need to decrease financial leverage.

Recommendation discussed includes:

ïƒ˜ To increase performance of firm, firm need to decrease financial leverage.

ïƒ˜ Firm need to decrease size i.e., total assets to increase firm performance.

ïƒ˜ Non-interest income and capital adequacy ratio need to be increased for the betterment of firm performance.

The report also investigates the fact that the analysis conducted has limitations. Some of the limitations include: sample firms are only taken from commercial banks sector and other non-financial firms has not been used in study, only 16 out of 31 commercial banks has been used as sample due to availability of data and the study has assumed the linear relationship between dependent and independent variables and non-linear assumption has not been used in analysis.Financial leverage and firm performance : a case of Nepalese commercial banks [printed text] / Manish Bhattarai, Author . - 2015 . - 102p. ; GRP/Thesis + 5/B.

Including bibilography

Languages : English

Descriptors: Business - Mathematical models

Capital market

Capital-Mathematical models

Leveraged buyouts

NepalKeywords: 'financial leverage capital adequacy ratio debt to assets ratio return on assets return on equity liquidity' Class number: 658.152 Abstract: Financial decisions are taken in different paradigms of investment, financing, asset management and dividend policy. Investment decision is mainly concerned with three areas either the manager has to take decision about opening a new venture, or decision may be specific to expansion of current business venture and it may be to replace current assets or machinery.Once the investment decision is done, another most important decision is to how to finance in the investment. Firms mainly finance either from internal or from external sources. Firms internally finance from retained earnings whereas external source for firms is to either borrow or to finance through equity. Thus, the mix of debt and equity in financing is known as financial leverage. In another word, financial leverage represents a firmâ€™s financial framework which consists of the debt and equity used to finance the firm.

An unlevered firm is an all-equity firm, whereas a levered firm is made up of ownership equity and debt. Financial leverage takes the form of a loan or other borrowing (debt), the proceeds of which are (re)invested with the intent to earn a greater rate of return than the cost of interest. Financial leverage allows a greater potential returns to the investors than otherwise would have been available, but the potential loss is also greater: if the investment becomes worthless, the loan principal and all accrued interest on the loan still need to be repaid.

Financial leverage has always been one of themain topics among the studies of finance scholars.Its importance derives from the fact that capitalstructure is tightly related to firmâ€™s performance tofulfill the needs of various stakeholders. The lastcentury has witnessed a continuous developing ofnew theories on the optimal debt to equity ratio. Thefirst milestone on the issue was set by Modiglianiand Miller (1958), whose model argued on the irrelevance of the capital structure in determining firmsâ€™ value and performance.This study attempts to shed some light on the financial leverage issues in Nepalese context. The main issue is to analyze impact of financial leverage on firmâ€™s performance in context of Nepalese commercial banks.

The data collected for the study are quantitative and based on fact. The quantitative data were taken from different secondary sources.Data were obtained from financial statements of 16 sample commercial banks. The necessary financial statements have been collected from official website of concern commercial banks, Nepal Stock Exchange Limited (NEPSE), Security Board of Nepal (SEBON), and Nepal Rastra Bank (NRB). This study collected financial statements of sampled commercial banks for the period of eleven years. (i.e. July 2002/03 to July 2012/13).Data of variables were extracted from balance sheet, and income statement of respective banks. Financial leverage and control variables namely firm size, non interest income, liquidity and capital adequacy ratio has been used as independent variables whereas return on assets, return on equity and net interest margin has been used as proxy for firm performance as dependent variable. Descriptive statistics and correlation analysis has been used as method of analysis along with different statistical tests of significance for validation of model such as t-test, F-test, detection of autocorrelation and multi-colinearity and stepwise linear regression analysis.

After the data analysis, the result was found that the financial leverage effect negatively to firm performance. The presence of control variables also showed no effect in direction of relationship whereas only magnitude of relationship between financial leverage and firm performance was observed to be changed. Thus, the study concludes that to increase performance, firms need to decrease financial leverage.

Recommendation discussed includes:

ïƒ˜ To increase performance of firm, firm need to decrease financial leverage.

ïƒ˜ Firm need to decrease size i.e., total assets to increase firm performance.

ïƒ˜ Non-interest income and capital adequacy ratio need to be increased for the betterment of firm performance.

The report also investigates the fact that the analysis conducted has limitations. Some of the limitations include: sample firms are only taken from commercial banks sector and other non-financial firms has not been used in study, only 16 out of 31 commercial banks has been used as sample due to availability of data and the study has assumed the linear relationship between dependent and independent variables and non-linear assumption has not been used in analysis.## Hold

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Barcode Call number Media type Location Section Status 91/D 658.152 BHA Thesis/Dissertation Uniglobe Library Technology Available