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Sami Ullah Butt
Superior University, Lahore, Pakistan
Economics, Econometrics & Finance Social Sciences

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Do Non-Traditional Income, Size, and Growth Affect the Performance of the Banks? : Evidence from the Big Three Countries of South Asia Ramzan Ali; Zahir Zahid Butt; Sami Ullah Butt
SEISENSE Journal of Management Vol. 2 No. 3 (2019): SEISENSE Journal of Management
Publisher : SEISENSE (PRIVATE) LIMITED

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (414.949 KB) | DOI: 10.33215/sjom.v2i3.137

Abstract

Purpose- The aim of this study is to examine the impact of non-traditional income, size and growth on the performance of the banks in big three economies of South Asia, as in the modern banking, non-traditional income plays a vital role by acting as a link between bank and its customers. Design- This study utilized the annual data over the period from 1996 to 2015, data were obtained from Federal Reserve Economic Data (FRED). This study examines the long-run as well as the short-run relationship among variables through the statistical technique of Panel ARDL. Findings- The findings of this study showed a significant and positive relationship between non-traditional income and return on assets as well as bank size and return on assets. While the association among the growth and return on assets is negative but significant. Policy Implications- Policy recommendation of this study suggests that banks should also explore new avenues of non-interest valued added services to their customers which will not only facilitate their customers also attract new customers which ultimately enhance the performance of the banks as well as the country.
Role of Credit Information Sharing and the Funding Cost of Banks: Evidence from the Top Ten “AA Rating” Commercial Banks of Pakistan Ramzan Ali; Sami Ullah Butt; Zahir Zahid Butt; Shahid Manzoor Shah; Fiaz Ahmad Sulehri
SEISENSE Journal of Management Vol. 2 No. 4 (2019): SEISENSE Journal of Management
Publisher : SEISENSE (PRIVATE) LIMITED

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.575 KB) | DOI: 10.33215/sjom.v2i4.171

Abstract

Purpose - The objective of the study is to investigate the relationship between the credit information sharing and the funding cost of banks of the top ten “AA rating” commercial banks of Pakistan as the Commercial banks also play a significant role in the economy of every country. Design/Methodology - In this study, panel data were analyzed from 2011 to 2017. We selected the top ten “AA rating” banks from Pakistan credit rating agency (PACRA) website, and data related to another related variables are obtained from financial statements of the respective banks. Generalized Method of Moments (GMM) statistical technique was employed to measure the relationship among related variables. Findings - The result of the study shows that there is a negative and significant relationship between credit information sharing, operation efficiency, and funding cost. On the other side, profitability has a positive and significant relationship with the funding cost of the bank. Practical Implications - To manage the funding cost policymakers must focus two key findings which are credit information sharing and operational efficiency of bank and set up a credit information sharing institutions which help to reduce information irregularity and ultimately manage the funding cost of the banks.
Co-Authors Fiaz Ahmad Sulehri Ramzan Ali Shahid Manzoor Shah Zahir Zahid Butt