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1
Kattel, Indra Kumar. "Evaluating the Financial Solvency of Selected Commercial Banks of Nepal: An Application of Bankometer." Journal of Advanced Academic Research 1, no. 1 (September 29, 2015): 88–95. http://dx.doi.org/10.3126/jaar.v1i1.13518.
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Banking industry of Nepal is moving towards the goal of integrated financial service because of competition, frequently changes in technology, and customers' expectations. Financial system is reflected through sound solvency position in the banking sector. Therefore, the aim of this study is to evaluate the financial soundness of joint venture banks and private sector banks in Nepal by using bankometer model for the period covering 2007- 2012. The bankometer model was used developed according to International Monetary Fund guidelines. The study has found that all the private and joint venture banks are in sound financial position. The finding of the study reveals that private sector banks are financially sounder in comparison to joint venture banks. The study concludes that bankometer model will help the bank's internal management to mitigate the insolvency risk within proper control and supervision at the operational level.Journal of Advanced Academic Research Vol.1(1) 2014: 88-95
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Baral, Keshar J. "Health Check-up of Commercial Banks in the Framework of CAMEL: A Case Study of Joint Venture Banks in Nepal." Journal of Nepalese Business Studies 2, no. 1 (April 2, 2007): 41–55. http://dx.doi.org/10.3126/jnbs.v2i1.55.
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Using the data set published by joint venture banks in their annual reports, and NRB in its supervision annual reports, this paper examines the financial health of joint venture banks in the CAMEL framework. The health check up conducted on the basis of publicly available financial data concludes that the health of joint venture banks is better than that of the other commercial banks. In addition, the perusal of indicators of different components of CAMEL indicates that the financial health of joint venture banks is not so strong to manage the possible large scale shocks to their balance sheet and their health is fair.
Journal of Nepalese Business Studies Vol.2(1) 2005 pp.41-55
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Sunarto, Nazrantika, and Suharyono Suharyono. "ANALISIS TINGKAT KESEHATAN BANK CAMPURAN DAN BANK ASING DI MASA KRISIS." Inovbiz: Jurnal Inovasi Bisnis 4, no. 1 (June 1, 2016): 36. http://dx.doi.org/10.35314/inovbiz.v4i1.33.
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Abstract: The global economic crisis has led various global financial ins- titutions suffered losses. Banking ratio measurement is useful to assess the risk base bank rating and growth of banking. This study aims to determine whether there are significant differences between risk base bank rating of foreign banks and joint venture banks before the global crisis until after the global crisis. The risk base bank rating is measured using the ratio of CAMEL. Total population consisted of 23 banks; 15 joint venture banks and 8 foreign banks. In hypothesis testing, different test of Mann Whitney was used. The research proved that the risk base bank rating of foreign banks and joint venture banks before and during the global crisis, during and after the global crisis, and before and after the glo- bal crisis did not have a significant difference. Keywords: CAMEL, Foreign, Joint Venture, Banks, Crisis.
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Shah, Ajay Kumar, Niraj Agarwal, and Ram Kumar Phuyal. "Impact of Non-Interest Income on Financial Performance of Joint Venture Banks in Nepal." Journal of Business and Social Sciences Research 3, no. 2 (December 31, 2018): 107–24. http://dx.doi.org/10.3126/jbssr.v3i2.28128.
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The research was conducted to identify the non-interest income variables that will likely affect the financial performance of the joint venture banks of Nepal. The main objective of the study is to analyze the prominence of non-interest income and its effect on financial performance of joint venture banks in Nepal. This study will help the banks to identify other sources of income of the bank and try to look at its impact on the overall profitability and risk intention. To measure the financial performance, the indicator of profitability i.e. returns on assets and return on equity are taken into consideration for the study as a dependent variable and assets size, letter of credit fee, guarantee income, remittance fee, dividend income, exchange income, service charge, and renewal fee as an independent variable. Both descriptive and inferential analyses were performed to capture the relationship. From the result analysis, it is observed that the non-interest income variables that would affect the financial performance of the joint venture banks. It is observed that not all variables have equal effect on the profitability as measure of financial performance, for joint ventures the factors like assets size, letter of credit fee, guarantee income, remittance fee, dividend income, exchange income, service charge, and renewal fee have a significant relationship with the measure of financial performance that is return on assets and return on equity. Apart from the interest income, there are lot of non-interest variables which leads to profitability so the banks looking to increase its profitability with lesser risk need to take these variables into consideration. Results indicate that banks need to keep the non-interest income variables into consideration at times for improving the financial performance of the joint venture banks.
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Chapagain, Ramkrishna, Kaushal Yadhav, and Amrit Baral. "Existence of Joint Venture Banks and their Impacts on the Performance of Non-Joint Venture Commercial Banks in Nepal." INTELLIGENCE Journal of Multidisciplinary Research 2, no. 1 (March 27, 2023): 1–16. http://dx.doi.org/10.3126/ijmr.v2i1.53542.
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This paper aims to examine the effect of the existence of joint venture (JV) banks on the performance of non-joint venture (NJV) commercial banks of Nepal. The study is based on secondary data, where the data have been collected from fourteen sampled banks' annual reports, Ministry of Finance publications, and World Bank publications. Seven years of data from Fiscal Year 2013/14 to 2019/20 of cross-section units (banks) established before 2008 have been taken for the study. Descriptive analysis, correlation, and regression have been used in the study. The result depicts that JV banks’ existence in Nepal significantly impacts return on assets and credit risk levels but does not show an impact on the net interest margin (NIM) of NJV commercial banks. The regression result shows that loan deposit ratio, capital adequacy ratio (CAR), bank’s equity level, and non-performing loan (NPL) of JV banks substantially impact the NIM of NJV banks. Likewise, the interest spread rate and NPL of JV banks significantly affect the ROA of NJV commercial banks. Similarly, interest spread, CAR, and foreign ownership ratio significantly impact the credit risk level of NJV commercial banks in Nepal. Likewise, the result further shows that JV banks have been earning relatively higher non-interest income, which positively reflected on the ROA of banks. Additionally, JV banks have been booking low-quality credit portfolios at a lower interest rate.
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Acharya, Kabi Raj, and Surendra Kumar Vyas. "Evaluation of financial strength of joint venture commercial banks and domestic commercial banks in nepal: using camels framework." International Research Journal of Management Science 7, no. 1 (December 31, 2022): 28–41. http://dx.doi.org/10.3126/irjms.v7i1.50619.
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This study aims to compare the financial strength of joint venture and domestic commercial banks in Nepal using data from mid-July 2011/2012 to mid-July 2019/2020. The financial strength analysis is based on the CAMELS (capital adequacy, asset quality, management quality, earning performance, liquidity, and sensitivity to market risk) framework. A descriptive research design has been used. This paper finds that Nepalese joint venture banks are financially sound with higher asset quality, management quality, earning performance, and liquidity than Nepalese domestic banks. Nepalese joint venture banks can cash in on higher IT infrastructure or better investment culture from its foreign collaboration and thus perform better compared to domestic commercial banks.
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Gyawali, Achyut. "Impact of Employee Participation on Job Satisfaction, Employee Fairness Perception and Organizational Commitment: A Case of Nepalese Commercial Banks." Saptagandaki Journal 8 (October 20, 2017): 1–13. http://dx.doi.org/10.3126/sj.v8i0.18457.
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Bank is one of the major institutions in the financial sector of any economy. Banking sector plays a vital role as a financial intermediary in the economic development of the country. Among those factors, impact of employee participation on job satisfaction, employee fairness perception and organizational commitment, is also considered as one of the most important factors that improves the performance of commercial banks. This study deals with the fundamental issues associated with the impact of employee participation on job satisfaction, employee fairness perception and organizational commitment of commercial banks of Nepal. In selecting the most reliable and representative samples, stratified sampling techniques was used. The population of the commercial banks was stratified as joint ventures, non-joint ventures and public banks. 15 commercial banks were selected as the sample. The total number of observations used for this study is 200 which include 70 observations from the joint venture banks, 110 observations from the non-joint venture banks and 20 observations from the public banks. Impact of employee participation on job satisfaction, employee fairness perception and organizational commitment have positive significant relation. Among all three determinants organizational commitment is more influenced by employee participation as it has highest correlation coefficient. Most of the surveyed employees agreed that management gives recognition for job performance and they are satisfied with the freedom in work; every employee has opportunity to get promotion in bank, and they are willing to put in a great deal of effort beyond expected in order to help the organization to be successful.The Saptagandaki Journal Vol.8 2017: 1-13
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Neupane, Bishnu Prasad. "Competition in Nepalese Commercial Banks." NRB Economic Review 28, no. 2 (November 10, 2016): 75–89. http://dx.doi.org/10.3126/nrber.v28i2.52537.
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This study has made an attempt to assess the degree of competition (or market structure) in Nepalese commercial banking. For the purpose, both of structural (n-bank concentration ratio and Herfindahl-Hirschman Index) and non-structural measures (Panzar-Rosse H-statistics) have been used. Data of ten years have been abstracted from various sources for the analysis purpose. Study shows that the market structure of Nepalese commercial banks is characterized by the monopolistic competition. Further, it is observed that the banks other than government owned and joint-venture banks have been facing highest degree of competition where as joint-venture commercial banks face lowest degree of competition. Finally, the study suggested that the degree of competition among government owned, joint-venture and other Nepalese commercial banks slightly vary but overall market structure of all set of banks have the feature of monopolistic competition.
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Lamsal, Bishnu Prasad. "Impact of Corporate Governance on Social Information Disclosure." Madhyabindu Journal 6, no. 1 (December 31, 2021): 1–9. http://dx.doi.org/10.3126/madhyabindu.v6i1.42761.
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Information disclosure is an integral to corporate governance, i.e., an important element of corporate governance, since higher disclosure could be able to reduce the information asymmetry, to clarify the conflict of interests between the shareholders and the management, and to make corporate insiders accountable. The study has utilized primary data. In order to collect the primary data, 150 questionnaires were distributed to the customers of 16 Nepalese commercial banks that include private banks, joint venture banks and public banks. The study includes eight non joint venture banks, six joint venture banks and two public banks. The opinion survey reveals that the most of the respondents are convinced about effective corporate governance is linked towards the better level of social information disclosure. The majority of respondents have highlighted that CEO and Chairman must be different for high level of social information disclosure.
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Pokharel, Prakash. "Competitor Accounting (CA) of Joint Venture Banks." KMC Research Journal 3, no. 3 (June 13, 2019): 109–22. http://dx.doi.org/10.3126/kmcrj.v3i3.35718.
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In order to facilitate the collection and analysis of accounting information related with the competitor in the context of strategic management accounting, the term competitor accounting has been developed. However, no empirical results are available as to the extent to which such information influences strategic decision behavior. Main purpose of this study is to explore the effect of competitor accounting on performance of the joint venture banks, and compare the effectiveness of competitor accounting between those banks. For this structured questionnaire survey with 133 staffs of the concerned banks as well as unstructured interview with 4 senior managers were conducted. Various published and unpublished reports like annual reports of the concerned banks were also used. From the study it is found out that levels of CA formalised application appear limited, especially when compared with a widely held managerial perception that significant benefits could derive from CA. The CA practices noted were conducted in an unstructured and ad hoc manner. CA does not have any effect on performance of Nepalese joint venture banks because of not applying any formalised CA application.
The study had /some of the limitations generally associated with a qualitative as well as quantitative study. These limitations include the degree of subjectivity that is invoked when researchers interpret qualitative data, scarcity of various resources, and accuracy of secondary data.
The study clarifies the notion of CA and provides an outline of CA management issues arising in the context of a joint venture banks. An outline is provided of those parts of a bank operation that are most likely to be more active in CA, together with empirically informed suggestions with respect to CA uses in a joint venture banks.
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Timsina, Sujata. "Capital Structure Management of Joint Venture Banks of Nepal." Journal of Business and Social Sciences Research 1, no. 1 (September 2, 2018): 58. http://dx.doi.org/10.3126/jbssr.v1i1.20949.
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<p>This study entitled,” Capital Structure Management of Joint Venture Banks of Nepal” has been conducted to examine whether the determinants of capital structure affect the leverage position of joint venture banks. Three joint venture banks have been selected for the study based on their similarities in assets size and age. The study intends to test the relationship between capital structure and profitability and evaluate the optimality of the capital structure of the banks. The main purpose of this study is to analyze and compare the capital structure management practices of three leading joint venture banks taken into consideration.</p><p>This study has been conducted with the secondary data obtained from the quarterly financial statements, annual publications of NRB and even from the official website of Nepal Stock Exchange. A linear regression model has been applied for analyzing the data. Six independent variables have been identified based on the standard determinants of capital structure. The variables include size, profitability, assets tangibility, liquidity, risk and growth. To determine the variables, previous studies particularly of Sailaja and Madhavi (2015), Singh and Tandon (2012) and Basnet (2015) have been consulted. Statistical and financial tools such as ratio analysis, correlation and regression analysis as well as inferential analysis have been used to analyze the quantitative data.</p><p>The researcher has been able to draw the conclusion that the regulatory requirements also affect the leverage position. In addition to these, factors that are significant to the capital structure of the three sample banks are size of the bank, profitability, liquidity and growth. The study has thus helped to find out strengths & weaknesses of the joint venture banks. With these findings, the study might be helpful to drive the banks into the progressive track. Understanding these factors and their crucial relationships with leverage will help to maximize the value of the bank and minimize the overall cost of capital.</p><p>The study concludes that amongst the three joint venture banks taken into consideration, Everest Bank Limited is the better in terms of profitability, Himalayan Bank Limited is better in terms of stability and Nepal SBI Bank is more risk prone but has sufficient liquidity. Hence, the study shows that the standard determinants of capital structure are actually able to explain the variation in leverage of banks.</p><p>Journal of Business and Social Sciences Research, Vol. 1, Issue 1, pp. 58-79</p>
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Stanley Isanzu, Juliana. "The Impact of Ownership Structure on Financial Performance; A Comparison Study of Two Chinese Banks." International Journal of Management Science and Business Administration 1, no. 12 (2015): 26–33. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.112.1003.
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Interest on the effect of ownership structure and financial performance has grown much, yet researchers have provided mixed results. This study aims at investigating the relationship between state-owned and joint venture type of ownership structures by testing whether or not there is a difference in their performance. The study used quantitative methods to find out if there is a significance difference in performance of two types of firms namely State Owned and Joint venture. The variables used were Return on asset, Return on Equity, Capital Adequacy, Non-performing Loans and Earnings per Share. Further, T-test was used to test the difference in performance of the two types of firms. The results have revealed that there is no significant difference in performance between the two types of ownership structure. Statistically, the performance of state-owned and joint ventures is the same. This means the efforts to radicalize the state-owned companies have paid off by eliminating the impact of ownership structure on financial performance of the firm.
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Prarajuli, Dilip. "Status of Customer Perspective of BSC Approach in Nepalese Commercial Banks." Batuk 6, no. 2 (July 1, 2020): 16–30. http://dx.doi.org/10.3126/batuk.v6i2.34488.
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This paper explores the status of customer perspective of the BSC approach in Nepalese commercial banks and examines the comparative status of customer perspectives in three bank groups (state owned banks, private banks, and joint venture banks). The research design for the study is descriptive. The questionnaire survey has been used as a tool to gather knowledge about the BSC approach's consumer perspective (an indicator of the BSC approach). The research units are considered to be three bank classes (namely, state-owned banks, private banks, and joint venture banks). The result shows that the customer perspective as for the response per respondents is satisfactory. Especially, customer perspective in terms of better brand image, careful service, and staff’s best appearance and friendliness are found good in Nepalese commercial banks.
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K.C, Fatta Bahadur, and Indra Kumar Kattel. "Comparative Study on Credit Monitoring Practices in Slected Banks of Nepal." Australian Finance & Banking Review 1, no. 1 (October 14, 2017): 14–25. http://dx.doi.org/10.46281/afbr.v1i1.71.
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Credit monitoring is performed by the banks as post approval activities for existing credit clients to indentify the early warning single of credit risk. So that, the study was accomplish to observe the credit monitoring practice in Nepalese commercial banks. The study was based on a sample of 10 commercial banks, comprising 5 private sector banks and 5 joint venture banks. This paper attempts to determine the awareness of Nepalese bankers about the significance of credit monitoring as risk identification tools. The result of the study indicates that the periodically review of the security documents, credit processing procedure, compliance of covenants setup during credit approval, technique to control default, risk reporting, review of loan account and regular follow-up were differently used as credit monitoring practice in private sector and joint venture banks in Nepal. These factors also found significant predictor for credit monitoring. Moreover, there was a positive relationship between credit monitoring practice and its factors instead of technique to control default.Credit monitoring is performed by the banks as post approval activities for existing credit clients to indentify the early warning single of credit risk. So that, the study was accomplish to observe the credit monitoring practice in Nepalese commercial banks. The study was based on a sample of 10 commercial banks, comprising 5 private sector banks and 5 joint venture banks. This paper attempts to determine the awareness of Nepalese bankers about the significance of credit monitoring as risk identification tools. The result of the study indicates that the periodically review of the security documents, credit processing procedure, compliance of covenants setup during credit approval, technique to control default, risk reporting, review of loan account and regular follow-up were differently used as credit monitoring practice in private sector and joint venture banks in Nepal. These factors also found significant predictor for credit monitoring. Moreover, there was a positive relationship between credit monitoring practice and its factors instead of technique to control default.
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Gnawali, Bindu. "Determinate of Lending Behavior of Joint Venture Banks in Nepal." Patan Prospective Journal 2, no. 2 (December 31, 2022): 30–38. http://dx.doi.org/10.3126/ppj.v2i2.52879.
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The purpose of this research is to examine the lending behavior of Joint venture banks in Nepal. The independent factors in this study are AQR, CAR, ROA, CRR, BS, GDP, and inflation rate, and dependent variable in this research is TL.The secondary data was used from the annual reports of all joint venture banks throughout a five-year period, from 2017 to 2021. Using SPSS 25 version, descriptive as well as causal-comparative research designs have been useful to analyze and interpret this data. For the sample, all seven Joint Venture banks are utilized. It is best to employ the purposive sampling technique. It has been demonstrated how independent variables affect the dependent variable using multiple linear regression models. The findings indicate that CRR and BS have considerable positive effects on TL and significant favorable effects but CAR has negative and significant effect on TL. The effects of AQR, ROA, GDP, and inflation on TL are negligible. Similarly, AQR, CAR, and inflation have been negatively related to TL but ROA, CRR, BS, and GDP have been positively related to lending.
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Thapa, Makshindra, and Narendra Sejuwal. "Credit Risk and Profitability Position of Nepalese Private and Joint Venture Commercial Banks." Batuk 9, no. 2 (July 28, 2023): 23–36. http://dx.doi.org/10.3126/batuk.v9i2.57025.
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Credit concentrations, credit processes and other externalities have made credit risk more important over the past decade, followed by liquidity issues. This study was conducted to compare the credit risk exposure of various banks in terms of their liquidity, capital ratio, size, operational inefficiency, loan growth rate, and non-performing loans. It also investigated the spontaneous relationship between credit risk and bank profitability. Secondary data of 5 years from ten banks (5 each from joint venture and private banks) have been collected. The descriptive and comparative study designs were employed and SPSS software was used for the analysis of data. The results showed that the private banks surpass joint venture banks in terms of capital ratio and operating efficiency, but joint venture banks lead private banks in terms of liquidity, capital ratio, total assets, loan growth rate, and non-performing loans. However, the independent sample t-test did not show any significant differences on liquidity, capital ratio, size, and loan growth rate. The Pearson’s correlation showed positive associations of capital ratio (moderate and significant), operating inefficiency (weak and insignificant), and loan growth rate (weak and insignificant) with ROA. In contrast, bank size and nonperforming loans have significant moderate negative correlations, but liquidity is not found to be correlated with ROA. The empirical findings of this study are considered helpful in evaluating the comparative credit risk exposure of the banking sector and have both managerial and academic implications.
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Adhikari, Naba Raj. "Corporate Social Responsibility and Financial Performance in Nepalese Commercial Banks." Nepalese Journal of Management Research 1 (January 31, 2021): 30–34. http://dx.doi.org/10.3126/njmgtres.v1i0.37319.
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This study aims to identify the relationship between corporate social responsibility and financial performance of commercial banks in Nepal. Out of the 28 commercial banks under the population, only 6 banks were selected as the sample for the study through purposive sampling technique comprising 2 government owned, 2 joint venture and 2 private commercial banks covering financial year ranges from 2016/17 to 2018/2019. The results indicate that CSR exerts positive impact on financial performance of the Nepalese government owned banks and provides great insights for management, to integrate the CSR with strategic intent of the business. In contrary it revealed negative impact on financial performance in joint venture banks. Furthermore CSR have significantly low positive impact on financial performance. The study concluded that the relationship between CSR and firm financial performance differs in every category of Nepalese commercial banks. This study can be used for further research regarding corporate social responsibility and financial performance in cross banking sector as well as cross country comparisons.
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Parajuli, Dilip. "Performance Assessment of Nepalese Banks Based on Learning and Growth Perspective." Butwal Campus Journal 3, no. 1 (July 1, 2020): 21–36. http://dx.doi.org/10.3126/bcj.v3i1.36494.
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The purpose of this paper is to assess performance of Nepalese banks under the learning and growth perspective of the BSC model and to study comparative status of learning and growth in three types of banks - the state owned, private and joint venture banks. This paper follows descriptive research design approach. The questionnaire survey has been applied as primary tool for collecting required information and 466 responses were collected from bank managers. To assess the responses to the BSC model's learning and growth perspective, a five-point Likert-type scale of strongly disagree (1) to strongly agree (5) has been used. The findings of study have indicated that joint venture banks stood at top, state owned banks in second and private banks in the bottom to adopt learning and growth perspective performance. The descriptive analysis has shown satisfactory status of the banks. Among the fourteen items used for assessment of learning and growth performance, improving employee capabilities, teamwork, and better culture and leadership were more emphasized areas by the banks to enhance learning and growth performance.
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Ranabhat, Deepesh. "Effects of Internal Factors on Financial Performance of Joint Venture Banks in Nepal." Journal of Nepalese Business Studies 12, no. 1 (December 31, 2019): 87–99. http://dx.doi.org/10.3126/jnbs.v12i1.28185.
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This paper examines the impact of bank specific variables on financial performance of joint venture banks. The return on assets and return on equity are selected as bank’s performance variables for this study and these two are the dependent variables. Spread rate, size of assets, loan, deposit, liquidity and capital adequacy ratio of the firms are the independent variables. The data are collected from supervision report of Nepal Rastra Bank and annual reports of concerned six banks for 10 years from fiscal year 2008/09 to 2017/18.The pooled OLS multiple regression models are applied to test the significance and effects of bank specific variable on financial performance of Nepalese Joint Venture Banks. The result shows that there is a significant positive impact of interest rate spread on ROA and ROE of the banks. Similarly, there is significant negative impact of asset size on ROA and significant negative impact of liquidity and loan ratio on ROE of the banks.
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Shrestha, Binaya, and Sneha Chaurasiya. "Impact of Liquidity Management on Profitability of Joint Venture Commercial Banks in Nepal." Lumbini Journal of Business and Economics 11, no. 1 (April 25, 2023): 131–41. http://dx.doi.org/10.3126/ljbe.v11i1.54322.
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This study investigates the Impact of Liquidity Management and Profitability of Joint Venture Commercial Banks in Nepal. Data analysis was done using descriptive statistics, Pearson correlation, regression analysis, and t-test. The data used to analyze five (5) samples size, out of 27 which has found to be covering period 2012-2021 of joint venture commercial Banks in Nepal. The Liquidity management represents the variables of the Credit Deposit Ratio (CDR), Capital adequacy ratio (CAR), Current Reserve ratio (CRR), Total deposit to total ratio (TDTAR), Total loan to total assets ratio (TLTAR) and the profitability including Return on Assets (ROA). The findings of the study have a R square value of 0.615 meaning that 61.5% of the variation in the dependent variable is explained by the independent variables while 38.5% is explained by other variables outside the model and also showed that there is a strong positive correlation between the dependent variable and the set of independent variables. The result showed that there is significant impact of TLTAR on ROA and there is insignificant impact of CDR, CAR, CRR and TDTAR on ROA of joint venture commercial banks in Nepal.
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Karki, Dipendra. "The liquidity paradox in Nepalese banks." NCC Journal 6, no. 1 (December 31, 2021): 57–69. http://dx.doi.org/10.3126/nccj.v6i1.57817.
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This study analyzes the influence of bank-specific and macroeconomic variables on liquidity in commercial banks in Nepal. Using pooled cross - sectional data from ten sample banks for the period 2011/12 to 2016/17, with sixty observations, the study employs a causal-comparative and descriptive research design as its methodology. The study concludes that bank-specific and macroeconomic variables significantly affect the liquidity in Nepalese banks, with different effects observed for public sector banks, joint ventures, and domestic private banks. This study finds that the capital adequacy ratio, bank size, and return on assets are the key determinants of bank liquidity. The findings suggest that the capital adequacy ratio positively impacts the liquidity of all types of banks in Nepal. However, the liquidity of all banks is adversely affected by the return on assets. Additionally, bank size negatively affects the liquid assets to total assets ratios of all types of banks, indicating that larger banks have lower liquidity ratios. The liquid assets to deposits ratio has a positive impact on public banks' liquidity but a negative effect on joint venture and private banks' liquidity in Nepal. These findings have significant implications for policymakers, regulators, and bank managers in Nepal to ensure effective liquidity management.
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Niraula, Ganesh Prasad. "Effects of Government's Policy in Stock Price: A Case of Nepse." Jambura Science of Management 4, no. 1 (January 12, 2022): 60–67. http://dx.doi.org/10.37479/jsm.v4i1.11903.
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The purpose of this study is to find out the relationship of government's policy on the price movement of Nepal stock exchange (NEPSE). This study followed a case study research design, because it offers a deeper perspective and clearer understanding of the stock price movement of Nepalese joint venture banks. The sample size of this study consists of five joint venture commercial Banks, economic analysis and survey reports conducted by central bank of Nepal (Nepal Rastra Bank).The judgmental sampling method has been applied for selection of joint venture banks. The study was totally based on secondary data. in order to make proper analysis descriptive and inferential statistics were used using SPSS software version 26. The finding of this study revealed that the GDP and import are inversely associated with stock price movement and CRR, export, interest rate and inflation are positively associated with stock price movement. Further, it is found that the macroeconomic variables are key factors to determine the Nepalese stock price movement. More importantly, stock market has been found to respond significantly to changes in the government policy. It is recommended that CRR, EXPORT, INTEREST RATE and INFLATION are major factors which largely affect the stock price movement of NEPSE. GDP and IMPORT are not compliance with the stock price movement as they produce negative association with the stocks volatility.
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Pathak, Hari Prasad, Jas Bahadur Gurung, and Gupta Bahadur Thapa Magar. "Impact of Bank-Specific Variables on Financial Performance of Joint Venture Banks in Nepal." Janapriya Journal of Interdisciplinary Studies 11, no. 1 (December 31, 2022): 54–74. http://dx.doi.org/10.3126/jjis.v11i1.51645.
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Banks play an important role not only in the growth of the financial system but also in the development of the overall economy of a nation. Therefore, the determinants of bank performance have attracted the interest of academic research, bank management, and financial markets as well as of bank regulatory bodies. This paper examines the impact of bank-specific variables on the financial performance of joint venture banks in Nepal. The data are collected from the supervision report of Nepal Rastra Bank and annual reports of the sample banks for 10 years from the fiscal year 2009/10 to 2018/19. Based on the results of the Breusch-Pagan LM test and Hausman Test, fixed effects regression models are applied to examine the effects of bank-specific variables on the financial performance of Nepalese joint venture banks. The result shows that there is a significant positive impact of size and employee expenses on the performance of banks measured in terms of return on assets, return on equity and net interest margin. Management efficiency has also a positive impact on the performance of banks but it is significant only on net interest margin. Similarly, there is a significant negative impact of liquidity on return on equity and net interest margin and a significant negative impact of operating expenses on the net interest margin of the banks.
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Kattel, Indra Kumar. "Study of Credit Risk Identification Techniques Followed by Commercial Banks in Nepal." Journal of Advanced Academic Research 2, no. 2 (February 11, 2017): 1–17. http://dx.doi.org/10.3126/jaar.v2i2.16602.
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The main purpose of this study is to explore the current credit risk identification techniques used by Nepalese commercial banks. A questionnaire was developed and surveyed to 9 commercial banks operating in Nepal. This paper attempts to ascertain the perceptions of Nepalese bankers about the importance of credit identification techniques and the practice of various tools to identify the risk related with the borrowers. The result of the study indicates that the Nepalese bankers are aware of the importance of various techniques to effectively identify the risk level. Furthermore, the Nepalese commercial banks have used various techniques like interview, root cause effect, check list analysis, Strength, Weakness, Opportunity and Threat (SWOT) analysis, scenario analysis, expert judgment, simulation, stress testing etc. In addition, there was significant difference between all three categories of bank, namely State-Owned bank with Private Bank, State-Owned bank with Joint Venture Bank, and Joint Venture Bank with Private Bank in terms of tools and techniques used for credit risk identification.
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Kunwar, Kripa. "Market Structure and Performance of Commercial Banks: Empirical Evidence from Nepal." Journal of Business and Management 5 (December 1, 2018): 33–41. http://dx.doi.org/10.3126/jbm.v5i0.27386.
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The study attempts to examine the relationship of market structure variable with the performance of Nepalese commercial banks over the period 2011-2015 using causal research design. The stratified sampling technique has been employed to select sample banks which include 10 commercial banks comprising 5 joint venture and 5 local private banks. A pooled OLS model is specified, and then the indicators of market structure are used as explanatory variables in the regression model. Study results have shown that market concentration has had a negative and significant impact on the performance of the Nepalese commercial banks. Where the Herfindahl-Hirschman index (HHI) is used the market shares as the main variable to measure the concentration (CONC). Empirical results revealed that lower the market concentration higher will be the performance of the bank. On the other hand, study concluded that market power has positive influence on profitability. The Data Envelopment Analysis (DEA) method was used to assess the efficiency scores. On the contrary, empirical results indicated that there is no relationship between the bank’s efficiency and performance in Nepalese commercial banks. As far as the ownership structure is concerned, study found that, ROA differences depend on bank ownership types. Study concluded that performance of the joint venture banks is better than local private banks in sample period.
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Lamichhane, Yog Raj. "Rhetorical Culture and Brand Slogan: An Analysis of the Slogans of all Commercial Banks from Nepal." Journal of Nepalese Business Studies 14, no. 1 (December 20, 2021): 40–53. http://dx.doi.org/10.3126/jnbs.v14i1.41487.
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Rhetoric is the artful deviation of information and ideas. It is commonly utilized in different forms of advertising. In this context, the study has examined how rhetorical devices are employed in the brand slogans of the 28 commercial banks in Nepal. To achieve their dominant theme there, it identifies and categorizes the devices following the taxonomy developed by James H. Leigh. The framework divides such figures of speech into 41 types under 2 major categories schemes and tropes. The finding from this descriptive analysis and has indicated that music, memory, association, emphasis, emotion and exaggeration are some popular constructs for designing the slogans. Moreover, Nepali private commercial banks seem more successful in utilizing such strategies as they have applied maximum rhetorical devices in comparison to foreign joint -venture and governmental banks. In this trajectory, foreign joint-venture banks have an international brand in the name itself, governmental banks can communicate with customers being people's banks and private banks appear smart in incorporating maximum wordplays in the slogans to play with the sentiment of the audience influencing them. The study simultaneously contributes to both the fields of creative writing and marketing communication literary world and marketing sector updating the current awareness about rhetorical culture. The study has only included the slogans of commercial banks from Nepal, but the comparative study between the slogans of all the banks from Nepal and the banks' slogans from other countries may reflect a clearer picture regarding rhetorical culture.
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Ahmed, Umar, Smiju Sudevan, and Bashir Ahmad Fida. "Potential of Financial Technology in Transformation of Islamic Banking Sector in Oman." International Journal of Engineering and Advanced Technology 10, no. 5 (June 30, 2021): 399–402. http://dx.doi.org/10.35940/ijeat.e2896.0610521.
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The overall aim of this paper is to explore the potential of fintech in transforming Islamic banking industry in Oman. Islamic banks in Oman lack economies of scale, limited nationwide outreach, low penetration rate due to low level of public awareness. FinTech present a huge opportunity for the Islamic banking sector to be more competitive in the marketplace. Data and technology are converging, so, Islamic banks at the end of the day, must deliver excellent financial services at relatively low cost. Collaboration or joint venture between fintech firms and Islamic banks will allow Islamic banks to attract more customers, increase efficiency, but more importantly introduce a proposition for youth to be excited to join the industry and drive its development and growth.
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Gauchan, Ashish, and Tara Prasad Upadhyaya. "Credit Portfolio Management and Profitability of Joint Venture Commercial Banks of Nepal." International Journal of Economics and Management Studies 6, no. 5 (May 25, 2019): 125–29. http://dx.doi.org/10.14445/23939125/ijems-v6i5p118.
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Poudel, Resam Lal. "Relationship Between Corporate Governance and Corporate Social Responsibility: Evidence From Nepalese Commercial Banks." Journal of Nepalese Business Studies 9, no. 1 (March 1, 2016): 137–44. http://dx.doi.org/10.3126/jnbs.v9i1.14603.
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The research paper aims to show the relationship between corporate governance (CG) and corporate social responsibility (CSR) disclosure in Nepalese commercial banks. In simple terms corporate governance is the system by which companies are governed. It is a set of rules and behaviors according to which companies are managed and controlled. Corporate social responsibility or sustainability is an important feature in contemporary business addresses different aspects like business ethics, stakeholder’s management and social performance. Effective corporate governance is expected to support effective and efficient corporate social responsibility within commercial banks. The content analysis of 10 commercial banks composing 5 Joint Venture (JV) Banks and 5 Non Joint Venture (NJV) Banks though judgmental sampling method based on stratified sampling technique was used to extract CSR disclosure items and corporate governance factors from secondary data specifically annual report for the period of one year. T-test was employed to test the level of significance. Regression analysis was used to examine the relationship between corporate social responsibility disclosure and independent variables associated with corporate governance practices. The study reveals that different variables associated with corporate governance practices are positively and significantly correlated with the level of corporate social responsibility initiatives based on all three models. The paper is useful to organization and statutory bodies to take consideration of corporate governance practices which will enhance corporate social responsibility initiatives.Journal of Nepalese Business Studies Vol. 9, No. 1, 2015 pp.137-144
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Kandel, Laxman Raj. "Effects of Performance Appraisal System on Employees’ Performance in the Joint Venture Banks of Nepal." Management Dynamics 24, no. 1 (July 4, 2021): 83–94. http://dx.doi.org/10.3126/md.v24i1.47547.
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This study examines the effects of performance appraisal systems on employees’ performance in joint venture banks. It focuses on the employees’ awareness of the appraisal system and their knowledge of the appraisal system and performance appraisal management, leading to effective employee performance in joint venture banks. This was a research project that was meant to be descriptive. Questionnaires were the methods of data collection and 100 respondents from Everest bank, Himalayan bank and NABIL bank were studied. Moreover, the collected data were analyzed and processed using a computer program (excel) and indicated clearly on tables. The study results exposed that employee performance appraisal at Everest bank, Himalayan bank and NABIL bank is not effective and not very well utilized. The mainstream employees were unaware and were absent knowledge of the performance appraisal practiced in their organizations. They were not involved in an argument with supervisors and were not given sufficient time to organize for the meeting as an outcome; there’s no feedback delivered to employees afterwards appraisal. These banks do not use the available appraisal system for making important employee decisions. Employee performance appraisal should be implemented properly to meet a certain organization’s context, according to the recommendations, communication between employees and management decisions like disciplinary actions, promotion and training.
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Shrestha, Purna Man. "What Determines the Capital Adequacy Ratio of Joint Venture Commercial Banks of Nepal? An Evidence from Panel Data Analysis." Journal of Mathematics Instruction, Social Research and Opinion 2, no. 1 (March 1, 2023): 55–64. http://dx.doi.org/10.58421/misro.v2i1.66.
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The bank with the appropriate capital adequacy ratio (CAR) is considered the more substantial bank that can meet its obligations and take risks. Thus, the bank management has to identify those factors influencing CAR. This study aims to identify the factors determining the CAR of commercial banks in Nepal. For this purpose, this study has used annual panel data of 6 joint venture commercial banks of Nepal from 2007 to 2021. This paper's regression analysis revealed that bank-specific factors significantly determine the capital adequacy ratio. Further, the study concluded that the financial performance measured by ROE and lending policy measured by the ratio of the total loan and advance to total assets (LTA) plays an inverse role. Liquidity LTD), management efficiency (ME), operational efficiency (OE), and the size of the bank (SIZE) play a positive role in determining the capital adequacy ratio. The bank's management can implement the findings of this paper to maintain a sufficient capital adequacy ratio. Further, the finding of this study can also be implemented by the regulatory bodies to develop policies relating to the capital requirements of commercial banks.
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Adhikari, Naba Raj. "Training and Development Costs, Staff Costs and Operational Profitability in Nepalese Commercial Nanks." Management Dynamics 23, no. 2 (December 31, 2020): 109–18. http://dx.doi.org/10.3126/md.v23i2.35813.
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The main aim of this study was to identify examine the relationship between staff trainings and development costs, total staff costs and the operational profit of Nepalese commercial banks. Six commercial banks has been taken for the study using purposive sampling technique from the total population consisting two government owned banks, two joint venture banks and the rest from private commercial banks. Training and development costs, staff costs and operational profit (before tax) has been defined as the variables of the study. Data have been collected from the annual reports of respective banks covering for the financial year 2016/2017 to 2019/2020. This study found that private commercial banks have focused on training and development to their staff. The staff costs of private banks has been highly explained by training and development costs and it has resulted higher positive impact of staff cost with operational profit.
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Parajuli, Dilip. "Managerial Perceptions on Internal Business Process Perspective in Commercial Banks of Nepal." Batuk 7, no. 1 (March 1, 2021): 13–23. http://dx.doi.org/10.3126/batuk.v7i1.35342.
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This paper aims to explore managerial perceptions on the internal business process perspective in Nepalese commercial banks. A set of questionnaire consisting five-point Likert-type scale statements was administered to collect data from sample units; state-owned banks, private banks, and joint venture banks. The findings indicate that customer need satisfaction has been perceived as the top priority measure of the internal business process perspective in Nepalese banks. Distribution reach and process delivery aspects of the internal process perspective have also got more preferences as per the perceptions of the managers. However, some other aspects such as service cycle duration, a sufficient number of training hours, and a comprehensive innovation process seem to be less preferred. The overall results show that the internal business process as per the response is satisfactory.
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Rahmat, Rahmat, and Endang Ruchiyat. "Analisis Rasio Modal, Efisiensi Operasional, Bunga Bersih, Likuiditas, Dan Kredit Bermasalah, Terhadap Rasio Laba." Coopetition : Jurnal Ilmiah Manajemen 12, no. 3 (November 1, 2021): 413–30. http://dx.doi.org/10.32670/coopetition.v12i3.751.
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This study aims to analyze financial ratios which include Capital Ratios, Operational Efficiency Ratios, Net Interest Ratios, Liquidity Ratios, Non-Performing Loans Ratios to Profit Ratios at Conventional Commercial Banks in Indonesia. The banks studied were based on bank grouping in terms of ownership category which included State-Owned Banks, National Private Foreign Exchange Banks, National Private Non-Foreign Exchange Banks, Regional Development Banks, Joint Venture Banks, and Foreign Banks. The analysis technique used is multiple regression analysis. Because the data used is secondary data, to determine the accuracy of the model, it is necessary to test several classical assumptions that underlie the regression model. Classical assumption tests used in this study include tests, normality, multicollinearity, heteroscedasticity and autocorrelation. Furthermore, to test the effect of financial ratios as mentioned, statistical tests withused Multiple Linear Regression were. Based on the research, it is found that the Capital Ratio, Operational Efficiency, Interest Yield, Liquidity, and Non-Performing Loans affect bank profits.
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Chalise, Dhan Raj, and Naba Raj Adhikari. "The Impact of Capital Structure and Firm Size on Financial Performance of Commercial Banks in Nepal." EFFORTS, Journal of Education and Research 4, no. 1 (March 30, 2022): 102–11. http://dx.doi.org/10.3126/ejer.v4i1.44175.
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This paper aimed to examine the impact of capital structure and firm size on financial performance of Nepalese commercial banks. The study used a sample of 14 commercial banks covering government owned, joint venture and private banks over the period 2013/2014– 2018/2019 with secondary sources of data. Regression analysis was used in the estimation of functions relating the Return on Assets (ROA) and Earnings per Share (EPS) with measures of capital structure and firm size (total assets). The results revealed a negative relation of ROA and EPS with capital structure (Debt/Equity). However, it showed a positive relationship of ROA and EPS with size (total assets). The findings provided the evidence in support of high-level equity capital employed in the capital structure of Nepalese commercial banks.
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Gross, Michael J., Songshan (Sam) Huang, and Yi Ding. "Chinese hotel firm internationalisation: Jin Jiang’s joint venture acquisition." International Journal of Contemporary Hospitality Management 29, no. 11 (November 13, 2017): 2730–50. http://dx.doi.org/10.1108/ijchm-03-2016-0147.
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Purpose The purpose of this study was to examine the characteristics of mainland Chinese hotel firm internationalisation relative to traditional Western internationalisation theory through an analysis of the Shanghai Jin Jiang International Hotels Group’s joint venture with the Thayer Lodging Group to acquire Interstate Hotels & Resorts. Design/methodology/approach The case study method was used to examine the three firms involved in the joint venture acquisition. The technique of elite interviews was used to collect primary data. Semi-structured personal interviews were conducted with senior corporate executives who were engaged as principals with the conception, execution and administration of the joint venture. Content analysis was performed with the interview data, seeking themes and patterns consistent with the study purpose. Findings The findings demonstrated specific characteristics that distinguish the internationalisation that Jin Jiang has pursued. The five distinctive characteristics were as follows: a “leap” market entry mode, a pattern of “a small fish eats a big fish”, a preference for purchasing hotels in the West, capital sourcing from Chinese banks and strategic rather than operational control of the acquired firm. Research limitations/implications The findings indicate both similarities and differences between the China context of hotel firm internationalisation and that of Western firms. Theoretical implications are examined through an analysis of Dunning’s OLI (ownership, location, internalisation) framework. Generalisability of empirical findings may be limited by the China context and the unique combination of three firms. Practical implications The findings advance our understanding of the relationship between Chinese and Western practices, particularly in the approaches that firms take in internationalisation. Originality/value The story reported in this paper is about the first firm internationalisation endeavour in the mainland Chinese hotel industry. This is a landmark event for the international hospitality industry that will have historical significance, and represents the leading edge of mainland Chinese hotel firm cross-border expansion. This study contributes an early analysis of how the Chinese hotel sector may approach internationalisation.
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Rezvorovych, Krystyna. "International experience of legal regulation of joint investment institutions." Naukovyy Visnyk Dnipropetrovs'kogo Derzhavnogo Universytetu Vnutrishnikh Sprav 2, no. 2 (June 3, 2020): 110–14. http://dx.doi.org/10.31733/2078-3566-2020-2-110-114.
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This article defines the essence of collective investment institutions, analyses the experience of joint investment institutions in various countries. It is marked that the effectiveness of the activities of mutual investment institutions depends directly on the legal regulation of their activities, the establishment of a clear legal regime of activity of investment funds and companies in the securities market. Given the evolution of legal regulation of co-investment institutions in Ukraine, the experience of other countries in this field is interesting and useful. The formation of separate national markets for joint venture investment services took place under completely different historical conditions, under different legal regimes and types of financial systems. The analysis of the activities of joint venture institutions abroad shows that there are different models of joint venture institutions. If in the US the most popular way of investing is to buy shares of mutual funds (or open-end in-vestment companies) and, in addition, to close closed-end investment companies, in the UK, the former were the so-called unit trusts (or unit trusts), and the second - investment funds. The investment sphere of the German economy is very specific in comparison with other countries. This is due to the special role of the banks that they play in it. It is worth noting that the positive factors of legal regulation become effective only if an effective system of joint investment institutions and a favorable investment climate in the country are created. It is important to ensure state support for existing and newly created joint investment institutions, especially in the field of introducing the most preferential taxation system. Third, the creation of conditions that would encourage individual investors to participate in the investment fund. First of all, it is about creating mech-anisms for guaranteeing the rights of participants of joint investment institutions.
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Lestari, Deara Shinta. "PENGARUH KEBIJAKAN BANK INDONESIA TENTANG PEMBATASAN KEPEMILIKAN KARTU KREDIT TERHADAP PERTUMBUHAN KARTU KREDIT DAN KARTU KREDIT MACET BERDASARKAN KELOMPOK BANK." Holistic Journal of Management Research 4, no. 2 (November 19, 2020): 18–29. http://dx.doi.org/10.33019/hjmr.v4i2.1975.
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The aim of this research is to examine the impact of PBI SEBI 14/27/DASP/2012 in Indonesia. The examination is using Panel Data Regression Methods and Different Test of Independent Samples Test. The purposes are to compare the compare the effect of the growth of credit cards before and after the implementation of PBI SEBI 14/27 / DASP / 2012. The research period was from year 2008 to year 2015. The sample populations used are four groups based on ownership of banks are: State Owned Banks, Foreign Exchange Commercial Banks, Foreign Owned Banks and Joint Venture Banks and PT Bank Bukopin Tbk in each period. The result of this research shows that PBI SEBI 14/27/DASP/2012 has significant impact on revenue growth of credit cards and a decrease in the credit card NPL by a group of banks, and the growth of credit cards at PT Bank Bukopin has a significant influence on the growth of cards credit Quantity, the credit card NPL and Annual Fee credit card.
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Shiva Raj Poudel, Subhadra Dahal, and Rishikesh Panthi. "The Role of Financial Ratios in Predicting Return on Equity of Commercial Banks." Pravaha 28, no. 1 (December 31, 2022): 53–62. http://dx.doi.org/10.3126/pravaha.v28i1.57971.
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The explanatory power of the bank specific financial ratios on return on equity of the joint venture commercial banks operated in Nepal has been examined by using the database of 15 years from 2005/06 to 2019/20. The descriptive and correlational research design have been adopted for the study. The explanatory financial ratios used for the study includes capital adequacy, non-performing loan to total loan, net interest to total assets ratio, deposit to total assets ratio, and investment to total assets ratio. Statistical tools such as descriptive statistics, correlation analysis, and the regression analysis have been used as the major tools of data analysis. The results revealed that capital adequacy ratio, net interest to assets ratio and investment to assets ratio have the significant positive impact on commercial banks profitability. In contrast, non-preforming loan to total loan has the significant negative impact on banks' profitability whereas, deposit to total assets ratio has no significant impact on commercial banks' profitability.
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Pathak, Hari Prasad. "Malmquist Productivity Index Approach in Assessing Performance of Commercial Banks: Evidence from Nepal." NRB Economic Review 31, no. 2 (October 1, 2019): 25–55. http://dx.doi.org/10.3126/nrber.v31i2.35303.
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Using the DEA-based Malmquist total factor productivity index, this article measures the total factor productivity of Nepalese commercial banks during the period 2010-2011 to 2016-2017. It also examines whether the ownership structure and size of banks affect their efficiency. An input-oriented DEA model is used with aggregate panel data covering all the 28 commercial banks that are currently operating in Nepal. This article adopts constant returns to scale approach to measure and compare the efficiency and productivity of banks and to establish a benchmark for their performance. Interest expense, operating non-interest expense, deposits and labor are used as inputs variables and interest income, operating non-interest income and loan and advances as outputs variables. These data are extracted from the annual reports of the respective commercial banks. The mean efficiency score measured in terms of total factor productivity change resulted 1.008, which indicates that the efficiency level of Nepalese commercial banks has been increasing very slowly at the rate of 0.8% annually. Ownership structure of the banks influences marginally on the efficiency level of banks. The domestic private banks are relatively more efficient than the joint venture banks and the latter are comparatively more efficient than the public banks. The size of banks makes no significant difference in the efficiency level of banks.
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Hakuduwal, Kishor. "Technical Efficiency of Nepalese Banking Sector." NRB Economic Review 30, no. 2 (November 1, 2018): 35–57. http://dx.doi.org/10.3126/nrber.v30i2.52286.
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The paper estimates and assesses the technical efficiency at individual and aggregate levels and categorizes groups of banks at various ranges of efficiency. The commercial and development banks established before 2005 in Nepal has been considered as the population of the study and 20 banks are selected using systematic random sampling. The 180 observations of nine year’s panel data from FY 2006/07 to FY 2014/15 has been used. Stochastic Frontier Approach is used taking three input variables i.e. capital, deposit and human resource cost, and one output variable i.e. loans and advance of sampled banks for analysis. The study found that the average technical efficiency (TE) by nature of banks provide commercial banks as the more efficient than development banks. The joint venture banks are the most efficient than other categories of banks. The average efficiency of banks established inside the Kathmandu valley (Head Office located inside Kathmandu) is lower than the average efficiency of banks established outside the Kathmandu valley (Head Office located outside Kathmandu). Similarly, the banks established after 1995 are found more efficient than the banks established before 1995. The study has important implications for the policymakers to take corrective actions for improving the efficiency of the Nepalese banking sector with respect to human resource policy, deposit collection policy and loan management policy.
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Chhetri, Raja. "Factors Affecting the Share Price of Commercial Banks in Nepal." Quest Journal of Management and Social Sciences 5, no. 1 (July 13, 2023): 107–18. http://dx.doi.org/10.3126/qjmss.v5i1.56298.
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Background: The study intended to examine the factors affecting the share price of Nepalese commercial banks. Market price per share is selected as the dependent variable, while earning per share, price-earnings ratio, book value per share, return on assets, and size was chosen as firm-specific independent variables, while inflation, broad money supply and gross domestic product (real) were taken as external factors. In order to fulfil these objectives, the data were collected from the banking and financial statistics and annual report published by Nepal Rastra Bank and the annual report of selected banks which is based on panel data over 11 years of the period from 2012 to 2022 of selected 13 out of 21 commercial banks of Nepal. The Descriptive and casual relationship research design has been used using secondary data. The multiple regression models were estimated to test the impact of firm-specific factors on the share price of Nepalese joint venture commercial banks; results show that variables like earnings per share, price-earnings ratio, book value per share and return on assets are the major determining stock price having a significant impact on the price of share except for the size of the firm having an insignificant impact in the context of joint venture commercial banks of Nepal. Objective: The main purpose of the study is to examine the factors affecting the share price of commercial banks in Nepal, considering the internal and external factors like size, EPS, P/E Ratio, BVPS ROA, Inflation, broad money supply and gross domestic product on the stock price. Method: The pooled cross-sectional data analysis has been undertaken in the study. The research design adopted in this study is causal-comparative type as it deals with the relationship of firms' specific and macroeconomic variables with market price per share. From the year 2012 to 2022, i.e. 11 years, samples are taken from 13 Commercial banks in Nepal. Findings: Regression analysis shows the relationship between the internal and external factors influencing the share price of listed commercial banks of Nepal. Implication: The result of this study suggests investors should pay attention to BVPS, P/E ratio, ROA and Inflation before making any decisions regarding the investment in stock of commercial banks. The results of this study uncovered new evidence from the Nepalese perspective, which is considered to be valuable to the market participants. Thus, the findings of this study seem to be particularly useful for equity investors and fund managers as they can watch out for these significant factors while estimating stock returns and predicting share prices.
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Cipta, Hendra. "PERKEMBANGAN TRANSAKSI MUDHARABAH DI PERBANKAN SYARIAH." ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM 2, no. 1 (June 30, 2017): 171–95. http://dx.doi.org/10.32923/asy.v2i1.597.
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Mudaraba is a joint venture agreement between two parties, where the first party provides the entire capital is called shahibul mall and the second as the manager of the capital called mudharib. In other words, mudaraba is a term for the act of a person who entrusts his property to others to merchantability and split the profits for the two based on their agreement while losses to be borne by the property owner. Mudaraba concept was applied by sharia banks on savings accounts products, general investment accounts through deposits, special investment accounts, financing with the principle of profit sharing and mudaraba sukuk.Mudaraba as a principle of profit sharing is still practiced by Islamic banks in Indonesia with revenue sharing not lead to a profit and loss sharing. Here we can see that Islamic banks are still not ready to share profits and losses with the customer, but every effort will face profit and loss. However, we hope that in the future Islamic banks could apply the concepts of profit and loss sharing.
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Purnawan, Muhammad Edhie, and M. Abd Nasir. "THE ROLE OF MACROPRUDENTIAL POLICY TO MANAGE EXCHANGE RATE VOLATILITY, EXCESS BANKING LIQUIDITY, AND CREDITS." Buletin Ekonomi Moneter dan Perbankan 18, no. 1 (November 9, 2015): 21–44. http://dx.doi.org/10.21098/bemp.v18i1.511.
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This paper analyzes the macroprudential policy by the central bank to maintain the financial system stability. Using panel data of the government banks, foreign, private, joint venture, and regional development banks during 2004- 2012, we employ Vector Autoregressive Exogenous (VARX) and event analysis method and find that the level of exchange rate volatility decrease after the implementation of the one month holding period, six-month holding period and net open position policies. However, for the nominal exchange rate, these policies are not effective. In aggregate the reserve requirement plus loan to deposit ratio policy is effective to raise the bank credit allocation. Furthermore, the impact of the primary reserve policy is very limited to lower the liquidity of the economy; while at the same time the flow of foreign capital comes into very heavy
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Shrestha, Prakash. "Managerial perception on the application of the balanced scorecard evaluation approach." NCC Journal 5, no. 1 (December 31, 2020): 45–50. http://dx.doi.org/10.3126/nccj.v5i1.56947.
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This study aims to examine the managerial perception of the application of the balanced scorecard (BSC) evaluation approach. It considers the main four perspectives of the BSC evaluation approach including the financial, the customer, the internal processes, and the learning and growth perspective. This study is primarily descriptive in nature. The questionnaire was delivered to nine commercial bank managers, including three state-owned banks, three joint-venture banks, and three private banks. A total of 180 questionnaires were distributed to them, and 129 (71.67%) were returned and used. The results reveal that Nepalese bank managers have a perception of a better financial position. They use the financial perspective as an important aspect of the BSC evaluation approach when measuring bank performance. In terms of customer perspective, the results show that banks have better customer connections. It also suggests that Nepalese bank managers believe that using customer viewpoints is critical to the performance of their institutions. In practice, both the internal process and the learning and growth perspective appear to be fair. As a result, Nepalese commercial banks succeed in each of the four aspects of the BSC evaluation approach.
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Gnawali, Achyut. "Effects of Service Quality on Customer Satisfaction in Nepalese Commercial Banks." Journal of Development and Administrative Studies 24, no. 1-2 (April 23, 2018): 1–16. http://dx.doi.org/10.3126/jodas.v24i1-2.19663.
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Service Quality and customer satisfaction have long been recognized as playing a crucial role for success and survival in today's competitive market. This study has tried to discover the impact of service quality on customer satisfaction in Nepalese commercial bank. A structured questionnaire with 5 point Likert scale has been used to collect the data by conducting survey. The sample size is 392 and is chosen on a convenient basis. Data has been analyzed by using SPSS software (version: 22).Both primary and secondary sources of data are collected and used. Result of the study shows that tangibility, reliability, responsiveness, assurance and empathy significantly and positively influence customer attitudes in terms of satisfaction, i.e. service quality dimensions are crucial for customer satisfaction in public, private and joint venture commercial banking sector in Nepal.The Journal of Development and Administrative Studies (JODAS) Vol. 24 (1-2), pp. 1-16
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Ahroum, Rida, and Boujemaa Achchab. "Pricing of Sukuk Musharakah with joint venture as underlying, beyond the use of PLS ratio." Journal of Islamic Accounting and Business Research 8, no. 4 (September 4, 2017): 406–19. http://dx.doi.org/10.1108/jiabr-03-2016-0036.
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Purpose Participatory contracts reflect the true spirit of Islamic finance. However, these contracts face several challenges during their implementation. This is reflected by the low volume of contracts processed by Islamic banks and the low number of Sukuk issued. This study aims to introduce a new parameter related to the valuation of Sukuk Musharakah when the underlying asset is a joint venture. Design/methodology/approach The author applies the Gordon & Shapiro model on the valuation of Sukuk Musharakah with a joint venture as underlying. A new pricing framework is introduced with several usual parameters such as the profit and loss sharing ratio, besides a new parameter, which is the dividend payout ratio. The framework shall contain price, duration and convexity computation. The new framework differs from the classic bond pricing methodology broadly used nowadays in determination of Sukuk prices. Findings The results indicate that negotiating only the profit and loss sharing ratio is not sufficient to have a fair price of Sukuk Musharakah when the underlying is a joint venture. It is due to the mismatch of interest between investors and issuers. Thus, another parameter should be negotiated which is the dividend payout ratio. Research limitations/implications The research focuses exclusively on Sukuk Musharakah with joint venture as underlying. Also, the choice of Gordon & Shapiro formula, by definition of the model, restricts the calculation of the net asset value by using only the future expected dividends with constant growth. This choice is made primarily to explain the objective of this paper in a simple way. Practical implications For investors, a compatible pricing framework with the underlying flows and risks of an asset is essential to create a liquid market. This work would help investors to boost the Sukuk Musharakah market. Originality/value Several studies have analyzed the various challenges in Sukuk markets. Few of them dealt with specificities of Sukuk Musharakah by focusing on the underlying nature. So far, the profit and loss sharing ratio is the only parameter analyzed in these studies. Thus, the authors contribute to the literature by studying other parameters that can solve the various challenges of Sukuk Markets.
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Baral, Ravindra Prasad. "Corporate Governance Mechanisms in Commercial Banks of Nepal." Janapriya Journal of Interdisciplinary Studies 9, no. 1 (December 31, 2020): 120–34. http://dx.doi.org/10.3126/jjis.v9i1.35282.
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Corporate governance in banking sector has received great attention among policymakers, practitioners and academicians in Nepal due to governance failures in some financial institutions in recent period. This study attempts to examine the corporate governance mechanisms adopted by Nepalese commercial banks by using a panel data of 30 commercial banks from 2012 to 2016. The internal corporate governance mechanisms are board structure and composition, board committees, director independence, transparency and disclosure, director remuneration, and shareholders rights. The study employs ANOVA test to examine differences in corporate governance mechanisms among state-owned, joint venture, and domestic banks. The study findings reveal that the corporate governance practices in financial institutions of Nepal is somewhat satisfactory; however, significant improvements are required especially in case of state-owned banks and local private banks. In order to achieve the policy of government of Nepal to enhance financial system stability, one of the major areas for policy focus should be to promote enhancement of corporate governance standards in the financial institutions as the stability of the banking sector depends largely on corporate governance practices they adopt. Promoting director independence, improving transparency and disclosure, and enhancing shareholders’ right are found to be important for improving standard of corporate governance in Nepal.
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Sah, Gunja Kumari, and Shiva Prasad Pokharel. "Analysis of Financial Performance of Nepalese Commercial Banks using CAMEL Approach." Cognition 5, no. 1 (June 12, 2023): 37–49. http://dx.doi.org/10.3126/cognition.v5i1.55405.
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Bank and financial institutions require a method for assessing performance, considering some crucial financial statistics, and identifying strengths and weaknesses. The "CAMEL" model is a effective tool for assessing the performance of bank and financial institution. This model studied Capital adequacy, Asset quality, Management quality, Earnings capacity, and Liquidity condition of sample banks. The study has made a modest attempt to use the CAMEL technique to examine the performance of three commercial banks in Nepal from 2011/12 to 2020/21. Rastriya Banijya Bank, a wholly government-owned, Nepal SBI Bank Limited (NSBIL) joint venture, and Prime Commercial Bank Limited (PCBL), privately owned, were considered as a sample banks for the analysis. The result explained that PCBL and NSBIL could keep their risk-weighted assets at more excellent Tier I and II capital levels, demonstrating their financial soundness. This also revealed that NSBIL could support a higher percentage of well-performing loans. RBBL, NSBIL, and PCBL, all BFIs maintained average returns on shareholder equity and returns on assets. It also found PCBL was first in terms of the ratio of liquid assets to total deposits, followed by NSBIL banks and RBBL. In light of this, this research will be tremendously instructive to academics, researchers, and bank management. They can utilize it to create a financial plan for the effectiveness of the bank performance as a whole.
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Biasmara, Hanif Artafani. "Pengaruh Tingkat Suku Bunga, Inflasi, dan Kredit Bermasalah terhadap Penyaluran Kredit UMKM di Indonesia." Jurnal Manajemen Bisnis dan Kewirausahaan 6, no. 1 (January 30, 2022): 95. http://dx.doi.org/10.24912/jmbk.v6i1.11438.
Full textAbstract:
Banks as intermediary institutions have a role in extending credit to the public. One of the loans provided by banks to the public is credit for Micro, Small, and Medium Enterprises (MSMEs). This research was conducted to analyze several factors consisting of Bank Indonesia (BI) interest rates or BI Rate, inflation, and bad credit or NPL that would affect MSME credit distribution. The research period is from 2011 to 2020. While the object sample consists of four banking groups, namely State-Owned Banks, Regional Development Banks, Foreign Exchange Commercial Banks, and Joint Venture Banks and Foreign Owned Banks. Where this research is a quantitative study using secondary data. Data processing using Panel Data Regression through Stata 16. The results obtained indicate that bad credit has a significant positive effect on MSME credit. Meanwhile, interest rates and inflation did not have a significant effect on MSME credit. Bank sebagai lembaga perantara memiliki peranan dalam menyalurkan kredit kepada masyarakat. Salah satu kredit yang diberikan oleh bank kepada masyarakat adalah kredit Usaha Mikro Kecil Menengah (UMKM). Penelitian ini dilakukan untuk menganalisis beberapa faktor yang terdiri atas tingkat suku bunga Bank Indonesia (BI) atau BI Rate, inflasi, dan kredit bermasalah atau NPL, akan pengaruhnya terhadap penyaluran kredit UMKM. Periode penelitian yaitu tahun 2011 hingga tahun 2020. Sedangkan sampel objek terdiri atas empat kelompok bank yaitu Bank Persero, Bank Pembangunan Daerah, Bank Swasta Nasional, dan Bank Asing atau Campuran. Dimana penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder. Data diolah dengan menggunakan metode Regresi Data Panel melalui perangkat lunak Stata 16. Hasil yang diperoleh yaitu menunjukkan bahwa kredit bermasalah memiliki pengaruh signifikan positif terhadap kredit UMKM. Sedangkan tingkat suku bunga dan inflasi berpengaruh namun tidak signifikan terhadap kredit UMKM.