Impact of Privatization of MCB Bank on Non Performing Loan
Author(s)
Dr.NajmaShaikh , Dr. Albena Mirza , Dr.Munawwar Ali Kartio , Dr.Faiz Muhammad Shaikh ,
Download Full PDF Pages: 93-95 | Views: 343 | Downloads: 105 | DOI: 10.5281/zenodo.3469203
Abstract
This research investigates the Impact of Privatization of MCB Bank on Non Performing Loan. Data were collected from various secondary sources, ie- SBP Annual reports, MCB Bank annual reports. Data were analyzed by using SPSS-21- version. The results indicates that MCB bank Limited has taken seriously the matter and it seemed that proper follow up for recovery and disposal of bad debts which depicts from the graph but after 2008 it surged again the logic and reason for such heavy accumulation was sudden rise in rate of interst under the directives of central bank to combat the liquidity crisis emerged in the financial market after emergence of global financial crisis which created a panic in public to withdraw their deposits from banking system.
Keywords
Impact of Privatization, Non Performing Loan
References
- Bussani, M. (2010) 'Credit rating agencies' accountability: short notes on a global issue', Global Jurist, Vol. 10, No. 1, pp.1-16.
- Butler, A.W. and Cornaggia, K.J. (2012) 'Rating through the relationship: soft information and credit ratings', [online]. Available at: http://ssrn.com/abstract=345860 (Accessed: 12 March 2012)
- Byoun, S. and Shin, Y.S. (2002) 'Unsolicited credit ratings: theory and empirical analysis', [online]. Available at: http://ssrn.com/abstract=354125 (Accessed: 15 April 2011)
- Canbas, S., Cabuk, A. and Kilic, S.B. (2005) 'Prediction of commercial bank failure via multivariate statistical analysis of financial structures: the Turkish case', European Journal of Operational Research, Vol. 166, No. 2, pp.528-546.
- Cantor, R. (2001) 'Moody's Investors Service response to the consultative paper issued by the Basel Committee on Bank Supervision, "A new capital adequacy framework"', Journal of Banking and Finance, Vol. 25, No. 1, pp.171-185.
- Cantor, R. and Packer, F. (1994) 'The credit rating industry', Quarterly Review, Federal Reserve Bank of New York, Vol. 19, No. 2, pp.1-26.
- Cantor, R. and Packer, F. (1997) 'Differences of opinion and selection bias in the credit rating industry', Journal of Banking and Finance, Vol. 21, No. 10, pp.1395-1417.
- Capital Intelligence (2011) 'Rating definitions', [online]. Available at: http://www.ciratings.com/page/ratingdefinitions/foreign-local-currency-ratings (Accessed: 25 January 2011) Capital Intelligence (2012) 'Rating process', [online]. Available at: http://www.ciratings.com/page/policies-procedures/rating-process (Accessed: 12 October 2012)
- Caporale, G.M., Matousek, R. and Stewart, C. (2011) 'EU banks' rating assignments: is there heterogeneity between new and old member countries?', Review of International Economics, Vol. 19, No. 1, pp.189-206.
- Casey, J.-P. and Lannoo, K.(2005) 'Capital adequacy vs. liquidity requirements in banking supervision in the EU', CEPS Policy Briefs No. 84, pp.1-10. 224
- Chandra, D.K., Ravi, V. and Bose, I. (2009) 'Failure prediction of dotcom companies using hybrid intelligent techniques', Expert Systems with Applications, Vol. 36, No. 3, pp.4830-4837.
- Chauhan, N., Ravi, V. and Chandra, D.K. (2009) 'Differential evolution trained wavelet neural networks: application to bankruptcy prediction in banks', Expert Systems with Applications, Vol. 36, No. 4, pp.7659-7665.
- Chaveesuk, R., Srivaree-Rratana, C. and Smith, A.E. (1999) 'Alternative neural network approaches to corporate bond rating', Journal of Engineering Valuation and Cost Analysis, Vol. 2, No. 2, pp.117-131.
- Chen, M.-Y. (2011) 'Bankruptcy prediction in firms with statistical and intelligent techniques and a comparison of evolutionary computation approaches', Computers and Mathematics with Applications, Vol. 62, No. 12, pp.4514-4524.
- Chen, S.K., Mangiameli, P. and West, D. (1995) 'The comparative ability of self-organizing neural networks to define cluster structure', OMEGA, Vol. 23, No. 3, pp.271-279.
- Chen, W., Ma, C. and Ma, L. (2009) 'Mining the customer credit using hybrid support vector machine technique', Expert Systems with Applications, Vol. 36, No. 4, pp.7611-7616.
- Chen, Y.-S. (2012) 'Classifying credit ratings for asian banks using integrating feature and the CPDA-based rough sets approach', Knowledge-Based Systems, Vol. 26, pp.259-270. Claeys, S. and Vennet, R.V. (2008) 'Determinants of bank interest margins in Central and Eastern Europe: a comparison with the west', Economic Systems, Vol. 32, No. 2, pp.197- 216.
- Corbett, C. (2009)' 'Egypt faces the acid test', The Banker, [online]. Available at: http://www.thebanker.com/World/Africa/Egypt/Egypt-faces-the-acid-test (Accessed :20 October 2010) Cox, D.R. and
Snell, E.J. (1989) Analysis of Binary Data, 2 nd ed., Chapman and Hall, Inc., London. Craigwell, R. and Elliott, W. (2011) 'Loan loss provisioning in the commercial banking system of Barbados: practices and determinants', International Research Journal of Finance and Economics, Vol. 65, pp. 98-111. - Crama, Y., Hammer, P.L. and Ibaraki, T. (1988) 'Cause-effect relationships and partially defined Boolean functions', Annals of Operations Research, Vol. 16, No. 1, pp.299- 325.
- Dahl, D. and Shrieves, R.E. (1990) 'The impact of regulation on bank equity infusions', Journal of Banking and Finance, Vol. 14, No. 6, pp.1209-1228.
- Deakin, E.B. (1972) 'A discriminant analysis of predictors of business failure', Journal of Accounting Research, Vol. 10, No. 1, pp.167-179. 225 De Ceuster,
- M.J.K. and Masschelein, N. (2003) 'Regulating banks through market discipline: a survey of the issues', Journal of Economic Surveys, Vol. 17, No. 5, pp.749-766.
- Demirguc-Kunt, A. and Huizinga, H.P. (1999) 'Determinants of commercial bank interest margins and profitability: some international evidence', The World Bank Economic Review, Vol. 13, No. 2, pp.379-408.
- Demsetz, R.S. and Strahan, P.E. (1997) 'Diversification, size, and risk at bank holding companies', Journal of Money, Credit and Banking, Vol. 29, No. 3, pp.300-313.
- Desai, V.S., Crook, J.N. and Overstreet, G.A. (1996) 'A comparison of neural networks and linear scoring models in the credit union environment', European Journal of Operational Research, Vol. 95, No. 1, pp.24-37.
- DeSerpa, A.C. (1971) ' A theory of the Economics of Time', The Economic Journal, Vol. 81, No. 324, pp. 828-846.