thesis on financial analysis of nabil bank

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DETERMINANTS OF FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN NEPAL

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Pawan Rasaili

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 ...

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.

2K20-IT-128 Samridhi Kapoor

The main goal of the accounting department in the company is to prepare the reliable financial statements in order to make their valid balance sheets, income statements and cash flow statements. This paper attempts to analyze the financial statements and measure the performance in terms of assets utilization and profitability. In detail the research methodology used is exploratory research for the study that has focused on the past and present performance of Heavy Electrical Equipment Plant (HEEP), Ranipur (Haridwar). The study purely relies on secondary data, which were collected for a period of seven years (2007-2013) from the audited annual reports of the company and the data provided for the purpose of effective periodical analysis. To achieve the research goal five categories of the financial ratios were utilized for testing the study’s hypothesis. Profitability ratios, leverage ratios, Profit margin ratios, Return on Investment, Return on equity. This study reveals that financ...

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.

A better performance in terms of Efficiency and profitability of banking sector is must for a flourishing economy to ensure the growth and development by facing intense competition, meeting greater customer demands and changing banking reforms. Since the adoption of Liberalization, Privatization and Globalization in 1991the banking sector has undergone significant changes. The Fundamental Analysis, which aims at developing an insight into the economic performance of the business, is of paramount importance from the view point of investment decisions. The present study attempts to analyze and measure the relative performance of the major banks in India. ; PNB, SBI, Canara Bank, UCO Bank, ICICI , Axis Bank, HDFC Bank and Yes Bank. The main objective of this article is to make an evaluation of the financial performance of Indian Banks .The financial performance of a bank is measured by a number of key indicators with reference to Deposits, Advances, Total Income, Investment and Net Pro...

VIDYASAGAR KUMAR

IAEME PUBLICATION

IAEME Publication

Theoretical-Development of a nation generally relies on the budgetary structure gave by the business banks. The obligation of banks in the agricultural nation like our own is critical and huge. The monetary situation of the banks is pretty much simultaneous with their working capital and fixed resources. Where the coefficient connection between the working capital and fixed resources are in a positive side the position is viewed as acceptable. For our examination we have contemplated two nationalized private banks, as after advancement, the private business banks have developed and are working at standard with the administration banks under the direction of Reserve Bank of India. The specialists have picked these two banks as they are recorded in both NSE and BSE Index. The motivation behind this examination is to discover, how far private banks are keeping up the proportion of their resources just as their working capital when contrasted with the administration banks. On the side of this aim a general report is directed by picking five years' information from 2014 to 2019 of HDFC, and ICICI banks.

The banking sector is considered to be an important source of financing for most businesses. They play a very important role in the effort to attain stable prices, high level of employment and sound economic growth. They make funds available to meet the needs of individuals, businesses and the government. In doing this, they facilitate the flow of goods and services and the activities of governments Efficiency and profitability of the banking sector in India has assumed primal importance due to intense competition, greater customer demands and changing banking reforms. Since competition cannot be observed directly, various indirect measures in the form of simple indicators or complex models have been devised and used both in theory and in practice. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks and private sector banks. We know that in the service sector, it is difficult to quantify the output because it is intangible. Hence different proxy indicators are used for measuring productivity of banking sector. Segmentation of the banking sector in India was done on bank assets size. Overall, the analysis supports the conclusion that new banks are more efficient that old ones. The public sector banks are not as profitable as other sectors are. It means that efficiency and profitability are interrelated.

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Profitability in Commercial Bank – A Case from Nepal

International Journal of Case Studies in Business, IT, and Education (IJCSBE), 5(1), 61-77. ISSN: 2581-6942.

16 Pages Posted: 14 May 2021

Anjay Kumar Mishra,Ph.D.

Kathmandu College of Management ; Srinivas University; Madan Bhandari Memorial College, Tribhuvan University

Deepak Raj Kandel

Srinivas University

P. S. Aithal

Poornaprajna College

Date Written: May 13, 2021

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.

Keywords: ROA, ROE, NIM, Size, Trends

Suggested Citation: Suggested Citation

A.K. Mishra

Kathmandu college of management ( email ).

Kathmandu, Nepal Kathmandu, Bagmati Nepal

Srinivas University ( email )

Madan bhandari memorial college, tribhuvan university ( email ).

Pandeshwar, Mangalore – 575001, INDIA Mangalore, 575001 India

P. S. Aithal (Contact Author)

Poornaprajna college ( email ).

Poornaprajna Institute of Management Udupi District Karnataka India +919343348392 (Phone)

HOME PAGE: http://www.pim.ac.in

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