Download or read book Financial Performance of Banks in Pakistan After Merger and Acquisition written by Qamar Abbas and published by . This book was released on 2018 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Business transactions are going to be fast day by day because of dynamic changes in the global environment. Merger and Acquisition is a strategy adopted by the organizations globally to meet the needs of recent dynamic business environment. It has achieved much attention and importance in corporate world. In Pakistan, this strategy has been used widely in banking sector. Therefore, the objective of the study is to evaluate the financial performance of banks in Pakistan after M&A. The financial and accounting data for 10 banks was taken from the Financial Statement Analysis by State Bank of Pakistan. Profitability & Efficiency, Leverage, and Liquidity ratios were used to measure the financial performance, where pre and post ratio analysis was done. Results of the study show that there is no positive improvement in the financial performance of the banks in Pakistan after Merger and Acquisition.
Download or read book Analysis of Pre and Post Merger and Acquisition Financial Performance of Banks in Pakistan written by Qamar Abbas and published by . This book was released on 2018 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt: Merger and Acquisition is a strategy adopted by the organizations globally to meet the needs of dynamic business environment. This strategy also has much importance in Pakistan mostly in banking sector. Therefore, the objective of the study is to assess the impact of M&A on the financial performance of banks in Pakistan. The accounting and financial data of 10 banks were used in this study. Data was taken from the financial statement analysis (FSA) by State Bank of Pakistan from the period of 2006- 2011. For the analysis of pre and post Merger and Acquisition performance 15 financial ratios were used in the study. To compare the results Paired sample t-Test was used to measure the significant difference between pre and post M&A financial performance. The overall results show that there is no significant difference in financial performance. It is concluded that there is insignificant difference between pre and post M&A performance of banks in Pakistan.
Download or read book Corporate Governance and Firm Performance The Role of Transparency and Disclosure in the Banking Sector of Pakistan written by Muhammad Arslan and published by . This book was released on 2015-07-16 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scientific Essay from the year 2014 in the subject Business economics - Miscellaneous, language: English, abstract: The purpose of this paper is to empirically examine the relationship between transparency and disclosure and firm performance. Highlighting the importance of corporate governance in banking sector, the paper has focused in depth over its role, level and its impact on performance in banking industry of Pakistan. The paper access this purpose by constructing transparency and disclosure index for the past five year 2007-2011, using proxies for three sub-categories which are board and management structure disclosure, ownership structure disclosure and financial transparency disclosure. The paper also investigated structural changes of T&D Index and its effect on bank financial performance over the sample of 30 banks operating in Pakistan. Empirical analysis results by using ordinary least square regression model, reveals that financial performance is positively related to the transparency and disclosure and their sub levels except ownership structure disclosure which has negative relation with both ROA and ROE. Furthermore the average T&D level in Pakistani banking sector is above average. The current research paper aims for important policy implementation to reduce information asymmetry and improve corporate governance and firm performance in banking sector of Pakistan.
Download or read book Financial Performance of Banks in Pakistan written by Faisal Sher and published by . This book was released on 2016-02-25 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Banking Sector in Pakistan Internal Determinants of Commercial Banks Profitability written by Saira Anis and published by GRIN Verlag. This book was released on 2017-09-26 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: Academic Paper from the year 2014 in the subject Economics - Finance, grade: 2.92, , language: English, abstract: This study focuses on internal factors and how they are affecting the profitability of banks in Pakistan. The report seeks answer to the following research problems: Which internal determinants are affecting the commercial banks’ profitability in Pakistan? And: How are these internal determinants affecting the commercial banks' profitability in Pakistan? To analyze the internal determinants affecting the profitability of 14 commercial banks of Pakistan, the study is based on available data over the period of 2007 to 2012 and aims to recognize major determinants of profitability.
Download or read book Comparative Financial Performance Analysis of Conventional and Islamic Banks in Pakistan written by Ahmed Imran Hunjra and published by . This book was released on 2018 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial performance is a general measure of firm's overall financial health over a given period of time. The aim of this study is to compare financial performance of Islamic and Conventional banks to support depositors, bank managers, shareholders, investors, and regulators by providing true picture of financial position of Islamic as well conventional banks in Pakistan Ratio analysis technique is used to analyze financial performance of both banks. Data is collected from annual financial statements i.e. Balance sheet and Income statement for the period of 2008-2012. Nineteen ratios were estimated to measure these performances in terms of profitability, liquidity, risk and solvency, capital adequacy, operational, deployment and cash flow. Independent sample t test was used to determine significance of mean differences of these ratios between two banks. The study concludes that Conventional banks are more profitable, deployed and operationally efficient while less liquid and more risky as compared to Islamic Banks and also found a significant mean difference in profitability, capital adequacy, and cash flow ratio of both banks. To increase performance banks should conduct internal evaluation to improve its activities and to overcome weaknesses.
Download or read book Analyzing Financial Performance of Commercial Vs Islamic Banks written by Warda Bukhari and published by LAP Lambert Academic Publishing. This book was released on 2011-11 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sound financial strength of a bank is the assurance & guarantee, not only to its depositors but is equally important for the shareholders, employees, stockholders and for the entire economy as well. Efforts have been made, from time to time, to evaluate the financial position of each bank to manage it efficiently and successfully. In this study, an effort has been made to assess the financial performance of the two major banking sectors i.e. Commercial banking sector and Islamic banking sector, operating in Pakistan. This assessment has been done by using CAMEL Parameters, which are Capital adequacy, Asset quality, Management capability, Earnings & profitability and Liquidity. CAMEL model is the most recent model of financial analysis. The objective of this research was to know about the financial health of the commercial banks vs. Islamic banks of Pakistan in the last 3 years (2007-09), to investigate and examine the financial performance of the banks under study, to carry out those factors which have led to the present financial performance and to propose measures, on the basis of the results of the study, to improve further the financial performance of the banks.
Download or read book Financial Performance written by Lubna Ali and published by LAP Lambert Academic Publishing. This book was released on 2011-11 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Performance Measurement is essential to perceive the problem in the system. From good performance measurement an institution can come to know that which employees, method and program are competent and effectual. Banking sector is an important sector across the world for supervision of financial resources. For the development of any economy financial sector plays an important role. A well-organized financial sector is essential for better utilization of nation's financial resources. The banking sector of Pakistan comprises both Conventional and Islamic banks. Islamic banking is growing swiftly in all over the world particularly in Pakistan. This study examined the financial performance of Islamic and Conventional banks in Pakistan during 2005-2009 with respect to profitability, liquidity, risk and solvency, efficiency, assets quality and capital adequacy. This book is helpful in providing precious information to bank management, bank customers and bank regulators.
Download or read book Impact of Global Financial Crisis on Banks Financial Performance in Pakistan written by Mian Sajid Nazir and published by . This book was released on 2015 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global financial crisis in 2008 adversely affected the financial setups all around the globe with far reaching consequences for its victims. This study aimed at analyzing various determinants of banks' financial performance in Pakistan along with intention to ascertain the impacts of global financial crisis on the relative contribution of these determinants towards financial performance. The step-wise multiple regression analysis and pre-post comparison of coefficients were carried out in this regard. This study found that assets quality is the most influential determinant of return over assets (ROA) followed by bank size and solvency. Advances, liquidity, investments, and size have positive while poor assets quality and deposits have negative impact over ROA. A comparison of the pre-crisis and post-crisis coefficients of the determinants of ROA reveled that the global financial crisis has exerted significant impact on the relative ability of these determinants to explain variations in ROA.
Download or read book The Impact of Non interest Income on Diversification Financial Performance and Riskiness at Commercial Banks in Pakistan written by Abdul Rehman and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Intellectual Capital and Financial Performance written by Muhammad Mahmood Shah Khan and published by . This book was released on 2015 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study seeks to investigate the relationship between intellectual capital and bank's performance in Pakistan. A sample of five major Islamic Banks in Pakistan namely Meezan Bank, Burj Bank, Dubai Islamic Bank, Bank Islami and Albaraka Bank had taken for the period of 2009 to 2014. Multiple regression analysis is used to show the relationship of intellectual capital and the bank's performance. The results suggest that the bank's performance (Return on asset, Return on equity) is positively and significantly related to the intellectual capital of Islamic Banks in Pakistan. The main components of intellectual capital that is structural capital efficiency, human capital efficiency and capital employed efficiency have significant impact on the bank's performance. Human capital efficiency and capital employed efficiency show direct association with the bank's performance whereas structural capital efficiency shows no relationship with the bank's performance in Pakistan. This is the first study to investigate the relationship between the intellectual capital and bank's performance of Islamic Banks in Pakistan.
Download or read book Comparative Analysis of Financial Performance of Islamic and Conventional Banks written by Faiza Khalil and published by . This book was released on 2019 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article investigates the performance of Islamic banks versus conventional counterparts in Pakistan over the period (2007-2017) using financial ratio analysis. A total of 18 banks (13 conventional and 5 Islamic) were considered. A comparative study is undertaken based on performance indicators, 12 financial ratios were estimated used to measure performances in terms of profitability, liquidity, risk and solvency, and efficiency. T-test is used in determining their significance. The results show that there are differences in performance between Islamic and conventional banks in Pakistan during study period in terms Islamic banks are less profitable, more liquid, less risky, and less efficient comparing to conventional banks. However, there was no significant difference in profitability ratios, but there was a significant difference in liquidity ratios and risk and solvency ratios between conventional and Islamic banks.
Download or read book Mergers Acquisitions and Banks Performance in Pakistan written by Ammar Ahmed and published by . This book was released on 2016 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pakistan is one of those developing countries in which law and order and security issues are the major problems. Economic conditions are not ideal due to which many firms are doing merger and acquisition to improve their financial performance. Our research study has tried to measure the affect of these merger and acquisitions on the financial performance of the banks in Pakistan. The main objective is to check whether merger and acquisition in banks of Pakistan has increased their performance or not. Merger and acquisition is the independent variable whereas financial performance is the dependent variable. Financial performance is determined through liquidity ratios (DTA, CTA), profitability ratios (ROA, ROE) and solvency ratios (D/E, DR). Data is collected from annual reports of the banks. Only those banks are included which are listed in the Karachi stock exchange in Pakistan. Our results showed that performance of mostly banks increased after merger and acquisition but it is not true for all the banks which reveals that banks should consider more information and detailed analysis should be done before doing merger and acquisition in Pakistan. Results of this research would also help to different stakeholders like researchers, investors, creditors, employees, bankers etc. in understanding the importance of merger and acquisitions.
Download or read book Performance Of State Owned Bank Of Pakistan In The Perspective Of Global Financial Crisis written by Munawwar Ali Kartio and published by . This book was released on 2019 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study aims at investigating the performance of one and only state owned commercial bank ie National Bank of Pakistan during recent financial crisis.The key performance indicators for this purpose were liquidity, profitability and stability. This study covers a period of five years from 2008-2012 and the Year 2007 was taken as base year on the basis of that the impact and performance was gauged by using financial ratios as measuring tool .The financial ratios meant for Profitability, liquidity and capital structure were calculated. Also impact on performance of loans was evaluated to relate it with globalization. Primary data was also collected through survey by using a closed ended questionnaire. The main findings (I) there seems significant impact on liquidity and profitability of banking system. (II) Non Performing Loans were accumulated significantly after multi year better performance of healthy loans. (III) It was also revealed that the cost of deposits were increased which has adversely affected the profitability of well established five big banks of the country.
Download or read book Benchmarking Performance Indicators written by Chaudhary Anees Bajwaa and published by . This book was released on 2019 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: Purpose: The aim is to provide insight regarding performance evaluation of twenty-four different banks in Pakistan with relation to the stock market. Design/methodology/approach: The methodology is based on Grey Relation Analysis (GRA) by using six-power analyses which has been used previously in the field of industry and commerce for evaluating the comparative performance of banks. Furthermore, the GRA is based on TOPSIS technique to rank the banks.Findings: The findings reveal that benchmarking performance indicators are essentially locating the representative indicator from the existing ratios most commonly used in financial analysis to assess business operational performance. The GRA is linked with Technique for Order Preferences by the Similarity to Ideal Solution (TOPSIS) technique may result in incompleteness in the combination of ratios, and requires adjustment when other issues for analysis are involved. Overall, the study also demonstrates that a bank with a high ROA leads to a high financial performance. This paper conducted a review of literature and used six-power analyses to aggregate financial ratios appropriate for the TOPSIS technique. Future research could set up a specific model for the preliminary selection of financial ratios with a new to make studies of this kind more complete. Limitations: The current study is limited to twenty-four listed banks of Pakistan Stock Exchange (PSX) during period from 2013 to 2015 and also limited to secondary data instead of primary data. Originality/Value: This paper presented a new technique for performance evaluation - GRA. The major contribution of this paper is to use 24 banks in order to investigate the performance evaluation of listed banks of PSX during period from 2013 to 2015. Furthermore, GRA could avoid the waste of resources due to the uncertainty of relations among the ratios when using them for analysis.
Download or read book Bank Reform and Bank Efficiency in Pakistan written by International Monetary Fund and published by INTERNATIONAL MONETARY FUND. This book was released on 2001-09-01 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pakistan undertook major financial sector reforms starting in the late 1980s. The effects of these reforms on the profitability and cost and revenue efficiency of the banking sector are evaluated. The revenue performance of all banks, and especially the privatized banks, improved significantly, although costs also rose and relative performance across banks did not converge.
Download or read book Performance Measurement Systems in Banks written by Rahat Munir and published by Routledge. This book was released on 2018-12-07 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Given the significant changes in the banking environment and the resultant pressures on banks to change their systems and procedures, this book is a timely reference that provides a comprehensive analytical overview of changes in the performance measurement system (PMS) of banks in the post-financial crisis era. It explores the factors that influence such changes and examines banks’ consequential responses to institutional pressures. It is an invaluable resource for researchers and practitioners to gain insights into the concept of PMS change in both developed and developing economies.
