DETERMINATSOFPROFITABILITYOFLIFE INSURANCECOMPANIESINNEPAL
| dc.contributor.advisor | Asso. Prof.Dr.KapilKhanal | |
| dc.contributor.author | Amish Dahal | |
| dc.date.accessioned | 2025-02-18T01:52:17Z | |
| dc.date.available | 2025-02-18T01:52:17Z | |
| dc.date.issued | 2024 | |
| dc.description.abstract | This researchanalyzesthedeterminantsofprofitabilityinfiveNepaleselifeinsurance companies—LIC, NLICL,MET,ALICL,andNaLICL—from2013/14to2022/23,using secondarydatafromannualreportsandtheinsuranceauthority’swebsite.Keyfinancial metricsconsideredincludecompanysize,liquidity,capitalvolume,growthrate,returnon assets (ROA),andreturnonequity(ROE). KeyfindingsindicatethatLICandNaLICLshowstablegrowthandlargersizes,whileAL- ICL, MET,andNLICLexhibitmorevariability.ALICLmaintainsstableliquidity,whereas LIC andMETshowhighvariability,suggestinganeedforbetterliquiditymanagement.LIC and ALICLhavesignificantcapitalfluctuations,reflectingaggressiveinvestmentstrategies, while METismoreconservative.ALICLleadsinfixedassetinvestmentsbutwithhigh variability;LICandMETshowlowerandstablefigures. NLICL hasthehighestgrowthpotentialbutthemostvariability,indicatingahigh-risk, high-rewardscenario.LICandMETprovidemorestablegrowth.METoutperformsin ROA,indicatingeffectiveassetutilization,whileLIChasthehighestaverageROEbut significant fluctuations. Company-specificinsightsrevealstrongcorrelationsbetweenfinancialdeterminantsand profitability forallfirms,withliquidityandfixedassetsparticularlyinfluencingLICand MET’sperformance.Theseinsightshaveseveralimplications: Investorscanassessrisk-adjustedreturns,withNLICLappealingtothoseseekinghigh returnsandwillingtotoleratefluctuations.ALICLandNaLICLofferbalancedoptions, while METrepresentsaconservativechoice.Regulatorscanevaluatefinancialstability and riskprofilestoinformpolicies.Analystscanprovideinformedrecommendationson financial healthandinvestmentpotential.Competingcompaniescanbenchmarkfinancial strategiesforimprovementorcollaboration.Thestudyunderscorestheimportanceof efficient managementofsize,capital,assets,liquidity,andgrowthinenhancingprofitability, providingactionableinsightsforstrategicdecision-makingandriskmanagementinNepal’s lifeinsurancesector. | |
| dc.identifier.uri | https://hdl.handle.net/20.500.14540/24230 | |
| dc.language.iso | en_US | |
| dc.publisher | Shanker Dev Campus | |
| dc.title | DETERMINATSOFPROFITABILITYOFLIFE INSURANCECOMPANIESINNEPAL | |
| dc.type | Thesis | |
| local.academic.level | Masters | |
| local.affiliatedinstitute.title | Shanker Dev Campus | |
| local.institute.title | Faculty of Management |