Impact of foreign bank penetration on Nepalese commercial banks / Smita Shakya 

Public ISBD Title : Impact of foreign bank penetration on Nepalese commercial banks Material Type: printed text Authors: Smita Shakya, Author Publication Date: 2014 Pagination: 91p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibliography Languages : English Descriptors: Banks Banks and banking Banks and banking-Foreign Commercial banks Nepal Keywords: 'foreign bank  penetration  banks  banks and banking  commercial banks  nepal' Class number: 346.730 Abstract: Nepalese financial system has seen a tremendous growth in terms of number of institutions and in terms of products and services. Industry's growth coupled with the rapid development in information and communication technology not only increased the banking products to the consumers but also fostered the competition and increased the complexities, risks and challenges in the banking industry. There are limited numbersof foreign banks in Nepal and there is unclear view about whether entering of foreign banks, including joint venture, helps to improve overall performance of bankingsector as well as to spillover some benefit to domestic commercial banks in Nepal.The major objective of this study is to examine the impact of foreign bank penetrationon Nepalese commercial banks. The review of literature has shown that the foreign banks penetration influenced interest rate spreads, operating expenses, profitability and risk of domestic bank.Besides examining effect of foreign presence, the literatureincluded two sets of variables to control for other determinants of domestic banks performance. While the first set consists of bank variables, the second set of variables includes general economic indicators.Based on the literature reviews, this study has proposed the conceptual framework identifyingforeign presence,bank variables and general economic indicatorsas the most important factors that determine the performance evaluation of commercial banks in the context of Nepal. This study is based on primary as well as secondary data. For the purpose of study 14 commercial banks which are established before 2000/01are divided into three strata (government owned, joint venture and non-joint venture) is taken as sample.Required data of dependent variables (interest rate spread, accounting profitability, operating expenses and risk) and independent variables(entry number, foreign ownership, non-interest earning assets, equity levels, operating expenses, relative bank size, inflation, capital scarcity, reserve requirements, economic growth) are collected from various secondary sources for the period of 2001/02 to 2011/12.Primary survey questionnaire is conducted in order to assess the opinion impact of foreign bank presence on Nepalese commercial banks. Likewise, multiple regression analysis and correlation analysis are used to examine the relationship between bank performance variables and foreign presence variables, bank specific variables and general economic variables. This study concludes that the impact of foreign bank penetration have strong impact on operating expenses and risk whereas foreign bank penetration have no impact on interest rate spread and profitability in context of Nepalese commercial banks. Foreign entry and foreign ownership have positive and significant impact on operating expenses of Nepalese commercial bank. Likewise, the penetration of foreign bank has positive and significant impact on risk.The result also shows that operating expenses, relative bank size are the most dominant variable that affects interest rate spread. Likewise non-interest earning assets and relative bank size are the most influencing factor of operating expenses. Similarly, GDP and equity level has strong impact on both accounting profitability and risk. Based on the primary survey result, most of the employees believe that that the entry of foreign banks influence domestic banks to induce good banking practice whereas it also reduces credibility of local banks.Likewise, the primary survey results most employees agrees with the statement that foreign presence brings opportunity to domestic banks and suggests that central bank should allow foreign banks to conduct retail banking to bring competition to domestic banks. Similarly, the employees suggested that domestic banks should modernize their banking system to increase the efficiency of the banks. The recommendation put forward by this study is that domestic banks are suggested to influence in corporate governance of the banking system and culture of effective product development and operation. Similarly commercial banks are suggested to be vigilant and quick on adapting to the advanced technologies in order to compete with foreign banks without lacking behind. The major limitation of this study lies in the fact that this study hasexcluded the time period, particularly from the beginning of liberalization of foreign ownership in mid-1980's, after the issuance of the new regulation due to lack of financial data the study has The study remains enough ground for future researcher in the same topic. The future studies can be carried out by selecting other financial institutions like development banks, public banks and finance companies to grab the wider view of impact of foreign bank penetration on Nepalese commercial banks. Impact of foreign bank penetration on Nepalese commercial banks [printed text] / Smita Shakya, Author . - 2014 . - 91p. ; GRP/Thesis + 2/B. Including bibliography Languages : English Descriptors: Banks Banks and banking Banks and banking-Foreign Commercial banks Nepal Keywords: 'foreign bank  penetration  banks  banks and banking  commercial banks  nepal' Class number: 346.730 Abstract: Nepalese financial system has seen a tremendous growth in terms of number of institutions and in terms of products and services. Industry's growth coupled with the rapid development in information and communication technology not only increased the banking products to the consumers but also fostered the competition and increased the complexities, risks and challenges in the banking industry. There are limited numbersof foreign banks in Nepal and there is unclear view about whether entering of foreign banks, including joint venture, helps to improve overall performance of bankingsector as well as to spillover some benefit to domestic commercial banks in Nepal.The major objective of this study is to examine the impact of foreign bank penetrationon Nepalese commercial banks. The review of literature has shown that the foreign banks penetration influenced interest rate spreads, operating expenses, profitability and risk of domestic bank.Besides examining effect of foreign presence, the literatureincluded two sets of variables to control for other determinants of domestic banks performance. While the first set consists of bank variables, the second set of variables includes general economic indicators.Based on the literature reviews, this study has proposed the conceptual framework identifyingforeign presence,bank variables and general economic indicatorsas the most important factors that determine the performance evaluation of commercial banks in the context of Nepal. This study is based on primary as well as secondary data. For the purpose of study 14 commercial banks which are established before 2000/01are divided into three strata (government owned, joint venture and non-joint venture) is taken as sample.Required data of dependent variables (interest rate spread, accounting profitability, operating expenses and risk) and independent variables(entry number, foreign ownership, non-interest earning assets, equity levels, operating expenses, relative bank size, inflation, capital scarcity, reserve requirements, economic growth) are collected from various secondary sources for the period of 2001/02 to 2011/12.Primary survey questionnaire is conducted in order to assess the opinion impact of foreign bank presence on Nepalese commercial banks. Likewise, multiple regression analysis and correlation analysis are used to examine the relationship between bank performance variables and foreign presence variables, bank specific variables and general economic variables. This study concludes that the impact of foreign bank penetration have strong impact on operating expenses and risk whereas foreign bank penetration have no impact on interest rate spread and profitability in context of Nepalese commercial banks. Foreign entry and foreign ownership have positive and significant impact on operating expenses of Nepalese commercial bank. Likewise, the penetration of foreign bank has positive and significant impact on risk.The result also shows that operating expenses, relative bank size are the most dominant variable that affects interest rate spread. Likewise non-interest earning assets and relative bank size are the most influencing factor of operating expenses. Similarly, GDP and equity level has strong impact on both accounting profitability and risk. Based on the primary survey result, most of the employees believe that that the entry of foreign banks influence domestic banks to induce good banking practice whereas it also reduces credibility of local banks.Likewise, the primary survey results most employees agrees with the statement that foreign presence brings opportunity to domestic banks and suggests that central bank should allow foreign banks to conduct retail banking to bring competition to domestic banks. Similarly, the employees suggested that domestic banks should modernize their banking system to increase the efficiency of the banks. The recommendation put forward by this study is that domestic banks are suggested to influence in corporate governance of the banking system and culture of effective product development and operation. Similarly commercial banks are suggested to be vigilant and quick on adapting to the advanced technologies in order to compete with foreign banks without lacking behind. The major limitation of this study lies in the fact that this study hasexcluded the time period, particularly from the beginning of liberalization of foreign ownership in mid-1980's, after the issuance of the new regulation due to lack of financial data the study has The study remains enough ground for future researcher in the same topic. The future studies can be carried out by selecting other financial institutions like development banks, public banks and finance companies to grab the wider view of impact of foreign bank penetration on Nepalese commercial banks.

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Customer switching behavior in the retail banking industry of Nepal / Shazia Thapa 

Public ISBD Title : Customer switching behavior in the retail banking industry of Nepal Material Type: printed text Authors: Shazia Thapa, Author Publication Date: 2014 Pagination: 72p. Size: GRP/Thesis Accompanying material: 3/B General note: Including bibilography Languages : English Descriptors: Banks Banks and banking Consumer behavior Customer relations Nepal Relationship marketing Supermarkets Keywords: 'consumer behavior  cusomer relations  banks  banks and banking  relationship marketing  nepal' Class number: 658.834 Customer switching behavior in the retail banking industry of Nepal [printed text] / Shazia Thapa, Author . - 2014 . - 72p. ; GRP/Thesis + 3/B. Including bibilography Languages : English Descriptors: Banks Banks and banking Consumer behavior Customer relations Nepal Relationship marketing Supermarkets Keywords: 'consumer behavior  cusomer relations  banks  banks and banking  relationship marketing  nepal' Class number: 658.834

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Human resource management practices and bank performance :a case of commercial bank of Nepal / Sahistha Swar 

Public ISBD Title : Human resource management practices and bank performance :a case of commercial bank of Nepal Material Type: printed text Authors: Sahistha Swar, Author Publication Date: 2016 Pagination: 68p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Industrial management Information resources management Personal management Keywords: 'personal management  industrial management  management  banks  banks and banking  commercial banks  nepal' Class number: 658.303 Abstract: People are one of the most important factors providing flexibility and adaptability to organizations. The impact of human resource management practices such as compensation practice, performance evaluation practice and promotion practice on employees’ job satisfaction, perceived performance, commitment, turnover intention and citizenship behavior cannot be overlooked because it has positive impact on the organization performance (Patterson et al., 1997). The new interest in human resources as a strategic level that can have economically significant effects on a firm’s bottom line, however, aims to shift the focus more towards value creation (Samuel and Chipunza, 2009). In Nepalese context, the role of HR is more related to looking at the administrative functions relating to the personnel department, rather than looking at linking profits directly with people (Shakya, 2011). Human resource provides the impression of the organization, good or bad. Therefore, the challenge in Nepal is to see how organizations understand the value of their employee and ensure that they build a set of human resources that will increase efficiency, productivity and profitability (Adhikari and Gautam, 2011). Pay and benefits became competitive for competent employees; many organizations started emphasizing on performance. Training and development program were highly welcomed as means to develop employees’ skills and knowledge. The major purpose of this study is toanalyze the effect of human resource management practices in the bank performance in case of Nepalese commercial bank. The specificobjectives of this study are; a) to analyze the human resources management practices in the Nepalese commercial banks b) to examine the impact of human resource management practices on return on assets (ROA) in Nepalese commercial banks c) to analyze the effect of human resource management practices on return on equity (ROE) in Nepalese commercial banks d) and to examine the effect of human resource management practices on employees’ satisfaction (ES) in Nepalese commercial banks. This study has used primary and secondary sources of data to analyze the impact of human resources management practices on bank performance. The primary sources of data have been used to assess the opinion of respondents to examine present status and role of current human resource management practices in the banking performance. Secondary data have been collected from bank annual report and other reports from Nepal Rastra bank. The finding of the study revealed that beta coefficient for employee’s satisfaction is positive with ROA which indicate that higher satisfaction in employees increases the ROA of the bank. The beta coefficient for recruitment and selection, and training and development is also positive. The result also revealed that beta coefficient is positive for performance appraisal system with ROA which indicate that fair and equitable performance evaluation system increases the return on assets of the bank. The beta coefficient for employees’ satisfaction is positive with return on equity (ROE). This indicates that higher employees’ satisfaction in the working environment increases the productivity and thus ROE. The beta coefficient for recruitment and selection, and training and development is also positive with return on equity (ROE). The findings also show that beta coefficient for recruitment and selection is positive with employee satisfaction indicating that fair and transparent recruitment and selection process in the organization increases the satisfaction level in employees. The beta coefficient for performance appraisal, salary and compensation is also found to be positively significant with employee’s satisfaction. This result reveals that standardized performance appraisal system in the organization and higher salary and compensations increases the employees’ satisfaction in the organization. This study concludes that bank performance is positively affected by human resources management practices followed by banks. The bank performance variables such as return on assets and return on equity are positively affected by employees’ satisfaction, recruitment and selection, training and development, performance appraisal, salary and compensation system of the bank. This study also concludes that training and development programs are most important factors to satisfy employees in the organization followed by salary and compensation. Human resource management practices and bank performance :a case of commercial bank of Nepal [printed text] / Sahistha Swar, Author . - 2016 . - 68p. ; GRP/Thesis + 4/B. Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Industrial management Information resources management Personal management Keywords: 'personal management  industrial management  management  banks  banks and banking  commercial banks  nepal' Class number: 658.303 Abstract: People are one of the most important factors providing flexibility and adaptability to organizations. The impact of human resource management practices such as compensation practice, performance evaluation practice and promotion practice on employees’ job satisfaction, perceived performance, commitment, turnover intention and citizenship behavior cannot be overlooked because it has positive impact on the organization performance (Patterson et al., 1997). The new interest in human resources as a strategic level that can have economically significant effects on a firm’s bottom line, however, aims to shift the focus more towards value creation (Samuel and Chipunza, 2009). In Nepalese context, the role of HR is more related to looking at the administrative functions relating to the personnel department, rather than looking at linking profits directly with people (Shakya, 2011). Human resource provides the impression of the organization, good or bad. Therefore, the challenge in Nepal is to see how organizations understand the value of their employee and ensure that they build a set of human resources that will increase efficiency, productivity and profitability (Adhikari and Gautam, 2011). Pay and benefits became competitive for competent employees; many organizations started emphasizing on performance. Training and development program were highly welcomed as means to develop employees’ skills and knowledge. The major purpose of this study is toanalyze the effect of human resource management practices in the bank performance in case of Nepalese commercial bank. The specificobjectives of this study are; a) to analyze the human resources management practices in the Nepalese commercial banks b) to examine the impact of human resource management practices on return on assets (ROA) in Nepalese commercial banks c) to analyze the effect of human resource management practices on return on equity (ROE) in Nepalese commercial banks d) and to examine the effect of human resource management practices on employees’ satisfaction (ES) in Nepalese commercial banks. This study has used primary and secondary sources of data to analyze the impact of human resources management practices on bank performance. The primary sources of data have been used to assess the opinion of respondents to examine present status and role of current human resource management practices in the banking performance. Secondary data have been collected from bank annual report and other reports from Nepal Rastra bank. The finding of the study revealed that beta coefficient for employee’s satisfaction is positive with ROA which indicate that higher satisfaction in employees increases the ROA of the bank. The beta coefficient for recruitment and selection, and training and development is also positive. The result also revealed that beta coefficient is positive for performance appraisal system with ROA which indicate that fair and equitable performance evaluation system increases the return on assets of the bank. The beta coefficient for employees’ satisfaction is positive with return on equity (ROE). This indicates that higher employees’ satisfaction in the working environment increases the productivity and thus ROE. The beta coefficient for recruitment and selection, and training and development is also positive with return on equity (ROE). The findings also show that beta coefficient for recruitment and selection is positive with employee satisfaction indicating that fair and transparent recruitment and selection process in the organization increases the satisfaction level in employees. The beta coefficient for performance appraisal, salary and compensation is also found to be positively significant with employee’s satisfaction. This result reveals that standardized performance appraisal system in the organization and higher salary and compensations increases the employees’ satisfaction in the organization. This study concludes that bank performance is positively affected by human resources management practices followed by banks. The bank performance variables such as return on assets and return on equity are positively affected by employees’ satisfaction, recruitment and selection, training and development, performance appraisal, salary and compensation system of the bank. This study also concludes that training and development programs are most important factors to satisfy employees in the organization followed by salary and compensation.

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Corporate social responsibility and financial performance of Nepalese commercial banks / Surendra Gurung 

Public ISBD Title : Corporate social responsibility and financial performance of Nepalese commercial banks Material Type: printed text Authors: Surendra Gurung, Author Publication Date: 2014 Pagination: 140p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Corporate image Corporations-Public relations Social responsibility of business Keywords: 'corporate social responsibility  corporate image  banks  banks and banking  commercial banks  banks' Class number: 658.408 Abstract: Corporate Social Responsibility (CSR) has gradually taken its stronghold in corporations of all sizes across business sectors. Extant literature suggests that companies benefit from being able to demonstrate their social responsibility towards different stakeholders. However, there is no strong consensus as to whether such initiatives could potentially lead to firm’s better financial performance or as a source of sustained competitive advantage. Some studies have shown positive relationship and other studies have shown negative or no relationship between company’s CSR practices and firm financial performance. Against these backdrops, this paper mainly aimed at examining the relationship between CSR and financial performance of Nepalese commercial banks. Besides, this study also examined separately CSR activities of Nepalese commercial banks. The major objectives of this study were to examine the relationship between CSR and financial performance of Nepalese commercial banks, to study the impact of other explanatory variables on the financial performance and to analyze the CSR activities of these banks. The quantitative sample of this study included data from 23 commercial banks for the period of 2007 to 2011 with 115 observations to examine the relationship between CSR and financial performance. Purposive sampling was used for the primary analysis that contained a sample of 150 respondents in analyzing CSR activities of 23 commercial banks. The study revealed a positive relationship between CSR and financial performance of Nepalese commercial banks. This positive relationship between CSR and financial performance suggests that positive social behavior of Nepalese commercial banks increase their financial performance. Likewise, the primary analysis showed considerable CSR activities by 23 Nepalese commercial banks. Similarly, it is found that CSR is not mandatory in Nepal and all the commercial banks that have made the disclosure of CSR activities are in voluntary basis. In particular, the commercial banks may reap long term benefits of enhanced corporate reputation, improved relationships with the local communities, customer loyalty, increased worker motivation, quality workforce retention and higher profitability by committing themselves to CSR practices. Corporate social responsibility and financial performance of Nepalese commercial banks [printed text] / Surendra Gurung, Author . - 2014 . - 140p. ; GRP/Thesis + 2/B. Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Corporate image Corporations-Public relations Social responsibility of business Keywords: 'corporate social responsibility  corporate image  banks  banks and banking  commercial banks  banks' Class number: 658.408 Abstract: Corporate Social Responsibility (CSR) has gradually taken its stronghold in corporations of all sizes across business sectors. Extant literature suggests that companies benefit from being able to demonstrate their social responsibility towards different stakeholders. However, there is no strong consensus as to whether such initiatives could potentially lead to firm’s better financial performance or as a source of sustained competitive advantage. Some studies have shown positive relationship and other studies have shown negative or no relationship between company’s CSR practices and firm financial performance. Against these backdrops, this paper mainly aimed at examining the relationship between CSR and financial performance of Nepalese commercial banks. Besides, this study also examined separately CSR activities of Nepalese commercial banks. The major objectives of this study were to examine the relationship between CSR and financial performance of Nepalese commercial banks, to study the impact of other explanatory variables on the financial performance and to analyze the CSR activities of these banks. The quantitative sample of this study included data from 23 commercial banks for the period of 2007 to 2011 with 115 observations to examine the relationship between CSR and financial performance. Purposive sampling was used for the primary analysis that contained a sample of 150 respondents in analyzing CSR activities of 23 commercial banks. The study revealed a positive relationship between CSR and financial performance of Nepalese commercial banks. This positive relationship between CSR and financial performance suggests that positive social behavior of Nepalese commercial banks increase their financial performance. Likewise, the primary analysis showed considerable CSR activities by 23 Nepalese commercial banks. Similarly, it is found that CSR is not mandatory in Nepal and all the commercial banks that have made the disclosure of CSR activities are in voluntary basis. In particular, the commercial banks may reap long term benefits of enhanced corporate reputation, improved relationships with the local communities, customer loyalty, increased worker motivation, quality workforce retention and higher profitability by committing themselves to CSR practices.

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Impact of corporate social responsibility practices on financial performance of Nepalese commercial banks / Dipika Shrestha 

Public ISBD Title : Impact of corporate social responsibility practices on financial performance of Nepalese commercial banks Material Type: printed text Authors: Dipika Shrestha, Author Publication Date: 2015 Pagination: 65p. Size: GRP/Thesis Accompanying material: 4/B General note: Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Commercial banks Corporate image Social responsibility of business Keywords: 'corporate social responsibility  corporate image  banks  banks and banking  commercial banks  banks' Class number: 658.408 Impact of corporate social responsibility practices on financial performance of Nepalese commercial banks [printed text] / Dipika Shrestha, Author . - 2015 . - 65p. ; GRP/Thesis + 4/B. Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Commercial banks Corporate image Social responsibility of business Keywords: 'corporate social responsibility  corporate image  banks  banks and banking  commercial banks  banks' Class number: 658.408

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Automated teller machine service quality and customer satisfaction in Nepalese commercial banks / Ishan Buddhacharya 

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Bank specific and macroeconomic determinants of non-performing loans evidence from commercial banks of Nepal / Garima Dawadi 

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Customer's attitudes towards internet banking service: evidence from Nepalese commercial banks / Puspana Kafle 

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Customer satisfaction with Internet banking services: evidence from Nepalese commercial banks / Rupa Maharjan 

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Depositors knowledge and perception about deposit insurance in Nepalese commercial banks / Bikash Gajurel 

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