Browsing by Subject "Non-performing loan"
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Item Analysis of Non-Performing Loans of Nepalese Commercial Banks(Department of Management, 2019) Sah, Krishna KumarNon-performing loans are those whose interest and principal are not paid beyond three months of due period.Non-Performing loan is very important aspect in case of commercial banking as this will have huge impact upon Net profit. It further shows the efficiency of bank showing how effectively it is able to utilize its resources. The major objective of this research is to understand the relationship between Non-performing loan & Profitability of the bank. For this research descriptive method is used and secondary data from Annual report of bank is used to identify relationship between Non-Performing loan&Profitability. After conducting this research, it was observed that there exists no relationship between Non-performing loan and Net Profit as GBIME and NABIL shows positive relationship between Non-performing loan and Net profit however incase of ADBL the relationship between Non-performing loan and Net profit seems to be negative. In case of deposit all banks deposit shows increasing trend and same was true regarding loan and advances but it was observed that NABIL has utilized its resources very efficiently compared to GBIME & ADBL. GBIME & ADBL in other hand shows positive improvement towards their resource utilization. ADBL has increased loans and advances however Non-loss provision and Non-Performing loan is also increasing as well but incase of NABIL loan and advances is increasing but non-performing loan is decreasing which shows efficiency of NABIL. Further it was observed that CD ratio of all three banks were above 75%however ADBL has lower ratio compared to that to NABIL&GBIME which have ratio above 77% but prescribed ratio by NRB is 80%.Net profit in other hand is also increasing where NABIL is leading with highest profit earned compared to that of GBIME &ADBL and ADBL’s Profit is increasing as well,GBIME in other hand has also increasing in moderate level. Hence increased NPL doesnot seen to be problem for banks regarding their Net Profit if they are expanding their business so NPL alone cannot be considered as measuring rod for performance of banking sector.Item A Comparative Study of Non-Performing Loan Management of Nepalese Commercial Banks (With Reference to NIBL and EBL)(Department of management, 2021) Adhikari, SujanThe study was conducted with the aim of studying Non-performing loan of commercial bank in Nepal. The study was conducted with reference to Nepal Investment Bank.ltd and Everest Bank .ltd. The main focus of study was to analyze the NPL ratio, trend of NPL ratio, and to investigate the impact of NPL on profitability of commercial bank. NPL is major concern for the commercial bank because the default of loan and interest has resulted major threat to the income of the bank. If the NPL is not managed soon, the commercial cannot escape from the vicious circle of NPL. Non-performing loan are those loan that has been default in the payment of interest and principle. Loan, which payment of interest and principle is not made for more than 3 months is called non-performing loan. In specific contract the term may differ. The rate of NPL in Nepalese banking sector is alarming. Descriptive and Comparative research design has been used for the study. Everest Bank ltd. and Nepal Investment Bank ltd. were used as a sample. The secondary data has been used from the annual report of the both bank. The data analysis tool includes ratio analysis, trend analysis, correlation, regression model, and P-value. The study showed that the NPL ratio was in fluctuating trend. There was increase and downfall of the NPL ratio in this six year period. There was positive and negative correlation between loan and NPL amount. Both are not moving in the same direction. The study showed that there was minimal influence of the NPL on the return on assets. The NPL ratio was insignificant in studying the impact on profitability.Item Credit Risk Management and Performance of Commercial Banks(Department of Management, 2021) Balampaki, RashmiThis study examines the credit risk management and bank performance of commercial banks. The study based on secondary data of four commercial banks with 40 observations for the periods 2010/11 to 2019/20. The return on assets and return on equity were selected as dependent variables while capital adequacy ratio, nonperforming loan ratio, cost per loan assets, cash reserve ratio and bank size are the independent variables. The data were collected from annual reports of concern sample bank. The Pearson's correlation coefficients and regression models, variance inflation factors (multicollinearity in regression model results) are too estimated to test significant impact of bank specific factors on the credit risk management and bank performance of commercial banks. Calculated data has been tabulated and analyzed by using MS-Excel and SPSS. The result shows that capital adequacy ratio, non- performing loan, cash reserve ratio and bank size are positively significant with return on assets whereas cost per loan assets has insignificant with return on assets. The study concludes capital adequacy ratio and cash reserve ratio are significant with return on equity and non-performing loan ratio, cost per loan assets and bank sizes are insignificant with return on equity of Nepalese commercial banks.Item Credit Risk Management of Commercial Banks in Nepal(Faculty of Management, 2021) Khadka, MandiraCredit risk management is crucial and it is instrumental in ensuring the success or failure of any credit institution. The main concern of the banks is credit risk and its management as credit or loans and advances are the main source of income for them. This study therefore aims to examine the impact of credit risk management on profitability of banks in Nepal. Secondary data was gathered from commercial banks of Nepal for ten year periods (2010/11-2019/20).This study used multiple regression analysis. The finding shows that all the sample banks have managed loans as well as the nonperforming loans. The correlation analysis shows that loan and advance (LA) has significant relation with non-performing loan (NPL) in 1 percent level of significance with correlation coefficients 0.466 which means that there is moderate degree of positive correlation between loan and advance and non-performing loan. At the same time, loan and advance (LA) has significant relation with loan loss provision (LLP) and net profit (NP) in 1 percent level of significance. However, there is insignificant positive correlation between non-performing loan and net profit. Moreover, the result found that there is significant impact of loan and advance, non-performing loan and loan loss provision on profitability of sample banks.This study recommends that Nepalese commercial banks should work in collaboration with credit reference bureau in the country to thoroughly investigate the past credit worthiness records of loan applicants so as to reduce the rate of default.Item Financial performance analysis ( A study of Sewa Bikas Bank Limited)(Department of Management, 2013) Acharya, LaxmanNot availableItem Impact & Implementation of Nepal Rastra Bank Directives on Non-Performing Loan (A Comparative Study of the NBL, NABIL & SCBNL)(Faculty of Management, 2013) Adhikari, MilanNot availableItem Impact & implementation of Nepal Rastra Bank directives on non-performing loan (A comparative study of the selected Nepalese commercial banks viz. NBL, SCBNL, NBL, LBL, NICB and NBB)(Department of Management, 2009) Kafle, SuvarajNot availableItem Impact & implementation of Nepal Rastra Bank directives on Non-performing loan (A Comparative Study of the Selected Nepalese Commercial Banks viz. NBL, SCBNL, NBL, LBL, NICB and NBB)(Department of Management, 2009) Kafle, SuvarajNot availableItem Impact & implementation of non-performing loan ( A comparative study of the NABIL & SCBNL)(Department of Management, 2014) Gaire, RadhaNot availableItem Impact of NRB directivies on non-performing loan and loan loss provision (A case stuty of nepal investment bank ltd and NABIL Bank Ltd)(Department of Management, 2013) Adhikari, Dipesh KumarNot availableItem Non-performing loan and its impact on Nepalese banking sector (A case study of Nepal Bank Limited)(Department of Management, 2011) Tamang, RajunNot availableItem Non-performing loan and loan loss provision of commercial banks in Nepal(Department of Management, 2011) Shrestha, Supreema VaidyaItem Non-performing loan:Status, cause and effect in commercial banks of Nepal (with special reference to NBL, NABIL and BOK)(Department of Management, 2009) Shrestha, Sunil KrishnaNot availableItem Non-performing lone in Nepalese commercial bank(Department of Management, 2010) Subedi, SuwashNot availableItem Non–Performing Loan of Everest Bank Limited Andnabil Bank Limited(Central Department of Management, 2018) Acharya, PrakashThe study was conducted with the aim of studying Non-performing loan of commercial bank in Nepal. The study was conducted with reference to Nabil Bank.ltd and Everest Bank.ltd. The main focus of study was to analyze the NPL ratio, trend of NPL ratio, and toinvestigate the impact of NPL on profitability of commercial bank. NPL is major concern for the commercial bank because the default of loan and interest has resulted major threat to the income of the bank. If the NPL is not managed soon, thecommercial cannot escape from the vicious circle of NPL. Non-performing loan are those loan that hasbeen default in the payment of inter estand principle. Loan, which payment of interest and principle is not made for more than 3 months is called non-performing loan. In specific contract the term may differ.The rate of NPL in Nepalese banking sector is alarming. Descriptive and Comparative research design has been used for the study. Everest Bank ltd.and Nabil Bank ltd. was used as a sample. The secondary data has been used from theannual report of the both bank. The data analysis tool includes ratioanalysis, trend analysis, correlation, regression model, and P-value. The study showed that the NPL ratio was in fluctuating trend. There was increase and downfall of the NPL ratio in this ten year period. There was positive correlation between loan and NPL amount. Both are moving in the same direction. The study showed that there was minimal influence of the NPL on the return on assets. The NPL ratio was insignificant in studying the impact on profitability.Item Risk Assets Management in Commercial Banks of Nepal (With References to SCBNL and NICB)(Faculty of Management, 2010) Dhodari, GopalNot available