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Purna Man shrestha
Mid-West University
Humanities Education Languange, Linguistic, Communication & Media Mathematics Social Sciences

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What Determines the Capital Adequacy Ratio of Joint Venture Commercial Banks of Nepal? An Evidence from Panel Data Analysis Purna Man Shrestha
Journal of Mathematics Instruction, Social Research and Opinion Vol. 2 No. 1 (2023): March
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v2i1.66

Abstract

The bank with the appropriate capital adequacy ratio (CAR) is considered the more substantial bank that can meet its obligations and take risks. Thus, the bank management has to identify those factors influencing CAR. This study aims to identify the factors determining the CAR of commercial banks in Nepal. For this purpose, this study has used annual panel data of 6 joint venture commercial banks of Nepal from 2007 to 2021. This paper's regression analysis revealed that bank-specific factors significantly determine the capital adequacy ratio. Further, the study concluded that the financial performance measured by ROE and lending policy measured by the ratio of the total loan and advance to total assets (LTA) plays an inverse role. Liquidity LTD), management efficiency (ME), operational efficiency (OE), and the size of the bank (SIZE) play a positive role in determining the capital adequacy ratio. The bank's management can implement the findings of this paper to maintain a sufficient capital adequacy ratio. Further, the finding of this study can also be implemented by the regulatory bodies to develop policies relating to the capital requirements of commercial banks.
Examining the Factors Affecting the Profitability of Commercial Banks Purna Man Shrestha
Journal of Mathematics Instruction, Social Research and Opinion Vol. 2 No. 2 (2023): July
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v2i2.86

Abstract

This paper has assessed the determinants of the profitability of commercial banks operating in Nepal. The effect of macroeconomic as well as internal factors on profitability is estimated. For this purpose, ROA is used to measure a bank's profitability. Similarly, liquidity (LIQ), management efficiency (ME), assets quality (AQ), and operational efficiency (OE) are used as internal factors, and consumer price index (CPI), interest rate (IR), and growth rate of broad money supply (M2) are used as macro-economic factors. Based on the result of panel data analysis, this paper revealed that bank-specific and macroeconomic factors play an essential role in determining profitability. Further, this paper found that LIQ, ME, AQ, CPI, and IR substantially influence the profitability of banks operating in Nepal. Thus, this paper concluded that the bank management should improve its liquidity, efficiency of management, and quality of assets to improve profitability. Likewise, the bank management can benefit from increasing CPI and IR to improve profitability.
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