CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN NEPAL
| dc.contributor.advisor | Asso. Prof.Rita Maskey | |
| dc.contributor.author | Ramita Maharjan | |
| dc.date.accessioned | 2025-02-05T09:33:55Z | |
| dc.date.available | 2025-02-05T09:33:55Z | |
| dc.date.issued | 2024 | |
| dc.description.abstract | Credit Risk Management and Profitability of commercial Banks in Nepal help to determained is any credit institution's success or failure can be directly attributed to poor credit risk management. The primary worry of the banks is credit risk and its administration as credit or credits and advances are the principal kind of revenue for them. This concentrate hence expects to look at the effect of credit risk the board on productivity of banks in Nepal. For five years (2018-19 to 2022-23), secondary data were gathered from Nepali commercial banks. The multiple regression analysis was used in this study. The finding shows that all the example banks have overseen advances as well as the nonperforming credits. The connection examination shows that credit and advance (LA) has critical connection with non-performing credit (NPL) in 1% degree of importance with relationship coefficients 0.466 which truly intends that there is moderate level of positive relationship among's credit and advance and non-performing advance. Simultaneously, credit and advance (LA) has critical connection with advance deficit arrangement (LLP) and net benefit (NP) in 1% degree of importance. Be that as it may, there is immaterial positive connection between's non-performing credit and net benefit. This study recommends that Nepalese commercial banks collaborate with credit reference bureaus in the country to thoroughly investigate the past credit worthiness records of loan applicants in order to reduce the rate of default. Additionally, the result found that loan and advance, non-performing loan, and loan loss provision have a significant impact on sample banks' profitability. Key words: Credit risk, profitability, loan & advance, non-performing loan. | |
| dc.identifier.uri | https://hdl.handle.net/20.500.14540/23971 | |
| dc.language.iso | en_US | |
| dc.publisher | Shanker Dev Campus | |
| dc.title | CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN NEPAL | |
| dc.type | Thesis | |
| local.academic.level | Masters | |
| local.affiliatedinstitute.title | Shanker Dev Campus | |
| local.institute.title | Faculty of Management |