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 The Profitability of the Banking Sector of Pakistan written by Rehana Siddiqui and published by . This book was released on 1998 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Bank Profitability and Risk Taking in Banks Under Low Interest Rate Evidence from Banking Sector of Pakistan written by Zarmash and published by . This book was released on 2019 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: The aim of the paper is to analyze the effect of low interest rate on profitability and risk-taking in Pakistani banking sector. By applying static modeling approach and using panel data we collected data from 20 Pakistani banks from 2010-2017 time span. The literature gap existed on this topic in under developing countries. We used two different models for Profitability and Risk-Taking. For Profitability we used NIM, Profit, ROA and ROE as performance proxy. We found the existence of negative relation between low interest rate and profitability which means low interest rate has bad effect on the profitability of the banks. While PCL and TCR taken as proxy for Risk-taking. We also found negative association between Short term interest rate and Risk-taking (TCR and PCL) which means that short term interest rate also effect bank risk-taking. Our study is limited to small sample size and few relevant variables. Further study can explore the underlying phenomenon by using large set of data and more sophisticated approach.

Download or read book The Profitability of Banking Sector in Pakistan written by Imran Naseem and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector plays an important role in financial stability of an economy. This study investigates the determinants of profitability of banking sector in Pakistan. For this purpose the data of all Pakistani banks were collected for the period of 2006-2010. We examined the relationship between macroeconomics and bank specific characteristics. To investigate the impact of loans, assets, deposits, equity, economic growth, inflation and market capitalization on profitability measures ROE (return on equity) ROA (return on assets) ROCE (return on capital employed)i and NIM (net interest margin) by using POLS (Pooled ordinary least square). The study found both internal and external factors have strong impact on profitability of overall banking sector. We tested their study on our data and sample of 40 Pakistani banks which shows overall economic condition of banking sector in Pakistan.

Download or read book Investigation of Profitability of Banking Sector written by Syed Rasool and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This empirical work investigates banking sector of Pakistan and comments on bank's profitability in the post crisis scenario. Study explores how sector specific variables are involved in profitability when there is process of financial liberalization, and the repercussion of financial fragility persists due to severe financial crises. A sample of 26 banks were selected on the basis of financial deepness of each bank for a period 6 years ranging from 2006-2011 (short panel). The study used fixed effect regression model for estimation, the viability of which was confirmed statistically by executing Housman test. White cross section covariance approach was adopted to achieve consistency in parameters. Findings help to conclude that sector specific variables have considerable gravity to effect banking profitability but inexorable link between macroeconomic soundness and financial stability could not be confirmed, believing thereby that Pakistani macroeconomic scenario stands an outlier and deviating from rest of the world.

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 Comparative Profitability of the Banks of USA with of Pakistan written by Shearaz Baloch and published by LAP Lambert Academic Publishing. This book was released on 2012 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector of each country, play vital role in the development and progress of concern nation. America is considered main alliance in international politics as well as its own expenditure flow is favorable to their nation or not is main concern for American nation holders. Pakistan has significant position in the South Asian countries and its recent influences in South Asian countries affecting its financial structure or not. Comparison of Both countries i.e. USA and Pakistan provide guidelines to how to reduce financial problems of the nations that is meaningful for all other nations as well. The graphical representation of selected five, five banks and its average show the future of 2012 as well. This study is not in isolation but after study you will be able to provide financial advice to many companies by selecting the national and other economical factors. It is advantageous for the scholar and those students are now in stage of completion of their finance relating projects, case studies and thesis.

Download or read book Exploring the Impact of Liquidity on Profitability written by Ahmad Waleed and published by . This book was released on 2017 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: This purpose of the research was directed to review the trade-off among liquidity and profitability in the banking sector. The research was applied to all listed banks of Pakistan Stock Exchange during the time period of 2010-2015. Document investigation was the key research method adopted to gather secondary data for the research. Six research models were stated and valued via Ordinary Least Squares (OLS) method. The observed outcomes exposed significant connection among bank liquidity ratios and return on assets, return on equity, net profit margin, and Tobin Q. However, return on investment and earning per share relationship with liquidity is insignificant. These outcomes are chiefly appropriate as policymakers plan new standards establishing a suitable level of liquidity for banks. This will expand the profits of shareholders but will correspondingly improve the usage of the assets of the bank.

Download or read book Bank Peculiar and Macroeconomic Causes Which Affect the Profitability of Banks written by Robina Malik and published by . This book was released on 2013 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks play an important and vital role in the development of the economies. Its importance can't be neglected. The aim of this study is to investigate the impact of internal and external causes which affect the profitability. Internal causes include Size (LnTA), Capital (CAP), Liquidity (LQD), debt to equity ratio (DE), Non performing loan to Gross advances (NPL), portfolio composition (PC), Loan to Total Assets (LA) whereas external causes include Gross Domestic Product(GDP), Inflation (INF), and Unemployment (UNMP). Return on Assets and Return on Equity are used as a measure of profitability. Data is collected for twelve (12) variables of twenty one (21) banks including four (4) public and seventeen (17) private banks, for the year of 2006-2011, from the annual reports of banks, index mundi and financial statement analysis of State Bank of Pakistan (SBP). EViews is used for deriving the results of descriptive, correlation and panel Regression analysis. Results show that size has positive significant effect in both models (ROA&ROE).

Download or read book Determinants of Profitability of Islamic Banking Industry written by Muhammad Mahmood Shah Khan and published by . This book was released on 2016 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial sector plays a vital role in the expansion and growth of an economy. The essential factor for the financial growth of a country is a stable banking system. Over the past few years, Islamic banking industry of Pakistan has grown substantially, however, it faces many challenges regarding its financial stability. This study tries to assess factors that affect the profitability of Islamic banking industry over the period of 2007 to 2014. Return on assets (ROA), return on equity (ROE), and earnings per share (EPS) are used as dependent variables. Bank's size, gearing ratio, non-performing loans (NPL) ratio, operational efficiency, asset composition, asset management, capital adequacy ratio, deposit ratio, gross domestic product (GDP), and consumer price index (CPI) are used as independent variables. Findings of the study indicate that measures of Islamic banking profitability are significantly affected by bank-specific factors such as gearing ratio, asset management, deposit ratio, and NPL ratio and external factor such as CPI.

Download or read book Money and Banking in Pakistan written by Saeed Ahmed Meenai and published by Oxford University Press, USA. This book was released on 2004 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: This textbook provides a historical record of the growth and development of banking in Pakistan. The book chronicles important events in the field of monetary management and critiques monetary and fiscal policies pursued in Pakistan since independence. The fifth edition has been extensively revised and updated.

Download or read book Profit Efficiency and Risk Management in the Banking Sector of Pakistan written by Muneer Ahmed and published by . This book was released on 2020 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study investigates the relationship among risk management, profit efficiency using capital adequacy ratios as a risk management proxy of banks in Pakistan. In the first part, the efficiency of Banking sectors was evaluated and compared using the Stochastic Frontier Approach. In the second stage, Efficiency scores along with other banks' specific and macroeconomic variables were used as a determinants of Risk management using panel regression analysis. Data was collected from a sample of 25 commercial banks operating in Pakistan from the year 2010 to 2019. The average profit efficiency of Pakistani banks is 57% on an overall basis and is also showing an increasing trend over the study period. Likewise, large banks have the highest profit efficiency (73%) compare to medium (58%) and small (45%) banks, whereas Islamic banks (36%) are less profit efficient relate to conventional banks (61%). Moreover, public banks (50%) are the least efficient banks in Pakistan followed by private (57%) and foreign banks (67%). Results from the second stage concluded that overall profit efficiency has a positive impact on risk management whereas medium, private and conventional banks model also shows the same result. Credit risk has a negative effect on risk management, whereas, in public, foreign, medium and small banks credit risk does not have any relationship with risk management, while in large, private and conventional banks, decrease in credit risk is a signal of improving risk management whereas in Islamic it has a positive impact on risk management. Moreover, liquidity risk is positively related to risk management especially in private, public, and small banks. Return on assets turns out to be the mixed trend factors as it is negatively related to CAR in all banks model, medium, small, foreign, and conventional banks but positively related to risk in large, private, and public models. This indicates that higher profitability leads to better risk management in large, private, and public banks of Pakistan. Similarly, bank size is negatively related to risk management, this indicates that it is difficult to manage risk as banks grow up and expand in size. The findings would help regulatory authorities to set better regulations for improving efficiency, credit, and liquidity quality of banks in Pakistan. This study may also provide useful guidelines to bank managers to maintain an adequate level of bank capital.

Download or read book The Determinants of the Pakistan Islamic Banking Industry Profitability written by Farrukh Ijaz and published by . This book was released on 2015 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial sector plays an important role in the economic and fiscal development of a country. A well-built and vigorous banking system is a precondition for the sustainable financial growth of a country. Over the past few years, Islamic banking industry of Pakistan has been facing many problems and challenges to maintain the financial stability. To overcome this issue, it is vital to classify the factors that mostly impact the overall profitability of Islamic banks in Pakistan. Two models were used alternatively for ROA and ROE as dependent variable. A set of internal factors were considered as independent variables including: bank's size, gearing ratio, operational efficiency, asset management and capital adequacy ratio for the time period 2006-2013. The results indicate that different measures of profitability depend upon different bank specific factors. The study found that profitability of Islamic banks depends on the leverage ratio, operating efficiency, asset management and bank size. Further research can be extended to explore the above findings and to include some other internal factors such as general bank charges, doubtful loans or reserves ratios, and external factor such as GDP, exchange rate and CPI as well.

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 Research Report Series written by and published by . This book was released on 1998 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Bank Reform and Bank Efficiency in Pakistan written by Daniel Hardy and published by . This book was released on 2006 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 Money and Banking in Pakistan written by Saeed Ahmed Meenai and published by Oxford University Press, USA. This book was released on 1984 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: The story of the remarkable growth of banking in Pakistan and its told experience in the field of monetary management is in this book. The scope is broad, but the treatment is to the point and concise.