thesis on financial performance analysis of banks in nepal

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Comparative Financial Performance Analysisof Nepal investment Bank Limited and Everest Bank Limited

2013, Faculty of Management

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Pawan Rasaili

Ramji gautam

This paper examines the determinants of financial performance of commercial bank in Nepal. In order to investigate the determinants of financial performance, 10 commercial banks have been taken as sample covering the period of time 2006/07 to 2016/17. Data are collected from annual report of the respective banks. Multiple linear regression models have been employed for the analysis of data. The result shows a positive relationship of return on assets with capital adequacy ratio, management efficiency and gross domestic product whereas negative with assets quality and liquidity management. It is evident from the findings that financial performance of commercial banks are strongly affected by capital adequacy ratio, management efficiency, gross domestic product, liquidity management and assets quality.

Ishwar Kumar Rai

International Journal of Case Studies in Business, IT and Education (IJCSBE)

Srinivas Publication , Sreeramana Aithal

Purpose: Banking in Nepal is under the process of being systematized. Foreign aid is believed as key component for development in Nepal. This study aims to assess the impact, contribution and relationship of size, loans and deposit, inflation and capital on the profitability of the banks. Design/Methodology/Approach: Secondary data from 2013 to 2019 from seven commercial banks along with the survey as primary data were collected. The correlation and regression along with ratio analysis have been used to assure a contributory association among return on assets (ROA), return on equity (ROE) and net interest margin (NIM). Findings/Result: The size of banks is in increasing trend. The decreasing trend of standard deviation showed that the size of Nepalese commercial banks has lower variation in the use of total assets as the year increases. There is a negative relation between ROA and ROE with loan ratio, deposit ratio and capital ratio, while there is positive relation with bank size and inflation. However, in case of NIM, bank size, loan ratio, deposit ratio and inflation exhibit a positive relation while the capital ratio shows the negative relationship with NIM. Majority of the respondents feel that the publication of financial reports is one of the major influencing factors of bank profitability. Originality/Value: It is an empirical research to signify the contribution of Bank Size, Loan Ration, Deposit Ratio, Capital Ratio and Inflation as determinants of Profitability. Paper Type: Analytical Business Research.

Transstellar Journal

TJPRC Publication

This study is to determine the factors that effects on profitability of Nepalese commercial banks. The study is based on secondary data of 11 banks with 77 observations for the period 2010/11 to 2016/17. The independent variables such as, credit deposit ratio, market share, liquidity, non-performing loans, GDP and inflation and dependent variable return on assets taken for the study. The market share price, liquidity and GDP has explained the profitability in Nepalese sample commercial banks cases.

Arjun Kafle

The Nepalese financial system consists of different types of banks and financial institutions which are responsible for the development of the country's economy. Commercial banks are the major financial institutions which play an important role in the mobilization and allocation of resources in an economy. The performance of the financial sector in a larger prospective affects the growth of the economy. The financial sector reform program initiated in Nepal since 1980's have very strong far reaching impact in the development of banking sector and economy. This paper attempts to study the working and operational performance of the Nepalese commercial banks from period 2009 and 2015. The indicators selected for study are aggregate deposits mobilized by commercial banks, credits and investments made by the commercial banks, credit-deposits ratios, investment-deposits ratios, and the share of Commercial Banks in the Priority Sector Lending. This study concludes commercial banks ...

Bishnu Neupane

Purpose-The purpose of this study is to examine the the key determinants of profitability of Nepalese commercial banks. Methodology-This study employs descriptive statistics to describe the profitability of Nepalese banks and its determinants. Further, the degree of correlation among different indicators of profitability and its determinants has been assessed by calculating correlation coefficient. Finally, this study has adopted a panel data regression model (Fixed Effect Model and Random Effect Model) to investigate the determinants and their impact on profitability of Nepalese commercial banks. Findings-The analysis reveals that the bank pofitability measured by ROA of Nepalese commercial banks is significantly affected by concentration ratio, banking sector development, GDP growth, inflation and exchange rate significantly in opposite direction rather it is not significantly affected by the internal factors like bank size, capital base, deposit, loan, off-balance sheet activities and number of branches. Another indicator of bank profitability; NIM is significantly affected only by capital adequacy, absolute number of branches and inflation rate. Conclusion-This study concluded that the profitability of Nepalese commercial banks measured by return on assets is significantly influenced by the external factors. Among external factors, industry specific factors have high degree of impact on return on assets whereas macroeconomic variables have quite a weak degree but significant impact on profitability of Nepalese commercial banks as measured by return on assets. Further, the profitability measured by net interest margin (NIM) is significantly influenced only by capital adequacy, absolute number of branches and annual inflation rate.

Tribhuvan University Journal

Kishor Hakuduwal

This paper aims to investigate the impact of bank specific factors unprofitability of Nepalese commercial banks. Total assets, total deposit, total loan and advance and total equity are taken as independent variables and return on assets is taken as dependent variable. The study is based on pooled least square method. The seven years’ panel data from 2012 to 2018 is taken for the study. Taking 112 observations from sixteen commercial banks, the regression result, F-test and t-test are used for analysis. The study found that the total assets and total loan and advance have positive significant impact on profitability of Nepalese commercial banks. The study also revealed that the total equity has not significant impact and deposit has negative significant impact on profitability of commercial banks in Nepal. The study has important implications for the policy makers of Nepalese commercial banks to utilize their assets, loans, deposits properly and equity for sound profitability.

IOER International Multidisciplinary Research Journal

IOER International Multidisciplinary Research Journal ( IIMRJ)

Financial and operational managements are considered to be important ways to measure profitability and liquidity of a bank. There is a close relationship between financial performance and operational performance of banks. The study aimed to determine the financial and operational management of International Finance Investment and Commerce Bank Ltd. and Agrani Bank Ltd. The study was prepared on the basis of secondary data collected from published annual reports of the banks, journals and books and so on. The technique of ratio analysis was used in order to find out liquidity and profitability of banks with a view to measuring operational and financial performance of banks covering a five (5) year periods. During analysis of the collected data, a fluctuating result was found out as International Finance Investment and Commerce Bank Ltd. is a Private bank and Agrani Bank Ltd. is a public bank. The management policy to some extent different in case of both of the banks. The study pointed out many limitations considering private and public sectors banks and assess which of the banks is in advantageous position. Lastly, the study outlined some modest possible suggestions for the betterment of financial and operational performance of banks so that the banks can contribute to the nations considerably.

Sunil Rashinkar

This study was explored the performance of banks using CAMEL’s model, where its objectives were to examine the performance of Bank Nifty in India. Ten commercial banks that are currently operating in Bank Nifty. There were ten banks chosen to be samples of the study. Where yearend financial data from the years from 2014 to 2019 were gathered from these banks’ annual reports. From, analysis it could be seen from an overall view that the levels of performance of banks in India were sight similar. By displaying the potential interaction between states owned banks and private banks in Indian banking system. This study is hoped to provide useful information for stake holders to make better investment resolutions and to help both state owned banks and private banks to mark and reevaluate their performance based on the performance dimension used in the study.

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