Bancassurance
-
Upload
rupesh-nyaupane -
Category
Economy & Finance
-
view
11 -
download
0
Transcript of Bancassurance
![Page 1: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/1.jpg)
BANCASSURANCE IN THE NEPALESE BANKING INDUSTRY: A STUDY OF
SELECTED FINANCIAL PERFORMANCE INDICATORS.
A Graduate research projectPresented BY:
Rupesh NyaupaneExam Roll NO: 14220471
P.U. registration NO: 2014-2-22-0170
![Page 2: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/2.jpg)
Presentation overviewIntroductionStatement of the Problem Objectives of the StudyTheoretical FrameworkResearch Design and MethodologyResearch Findings
Respondent profileDescriptive AnalysisSummary of Hypothesis testingRegression analysis
Conclusion
![Page 3: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/3.jpg)
Introduction
• Bancassurance = “Banca” + “Assurance”.
• it means banks selling insurance products.
• Collaboration between Bank and Insurer to distribute insurer’s products• Insurer – provider of products and services – insurance risk
taker• Bank – distributor.
![Page 4: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/4.jpg)
Cont..
• Distribution of insurance product through banks distribution channel.• Liquidity, Assets quality and capital adequacy helps to measure
financial performance of banks.• Liquidity: The degree to which an assets or security can be quickly
bought and sold in the market without affecting the assets price.• Assets quality: loan is the main assets of banks. sounds assets quality
involves careful granting the loan.• Capital adequacy: Amount of capital to recover in case of failure of
banks.
![Page 5: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/5.jpg)
Statement of the problem
• Bancassurance is the new concept in Nepalese banking sectors.• Many commercial banks started selling insurance policies.• It is beneficial to banks, insurance companies and customers.• Bancassurance influence the liquidity, assets quality, and capital
adequacy of banks.• The influence of bancassurance towards the financial performance of
banking industries has not yet been understood.
![Page 6: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/6.jpg)
Objectives of the Study
• To evaluate the influence of bancassurance on capital adequacy of commercial banks in Nepal.
• To determine the influence of bancassurance on assets quality of commercial banks in Nepal.
• To examine the influence of bancassurance on liquidity of commercial banks in Nepal.
![Page 7: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/7.jpg)
Theoretical Framework
Independent Variable Dependent Variables
Bancassurance
Liquidity
Assets Quality
Capital Adequacy
![Page 8: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/8.jpg)
Research Design and Methodology
• Research Design• Quantitative research• Survey method
• Sampling Method• Convenience Sampling
• Sampling Instrument• Self-administered questionnaire
• Sample size• 96 respondents.
![Page 9: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/9.jpg)
Research Findings
72.9
27.1
Gender of the Respondents
Male Female
![Page 10: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/10.jpg)
Qualification of Respondents
2.1
58.339.6
Qualification
Intermediate Bachelor degree Master and above
![Page 11: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/11.jpg)
Age group of Respondents
47.9245.83
6.25
Age group
20-25 25-30 30 and above
![Page 12: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/12.jpg)
Descriptive Findings
Variables Mean Standard deviation
Bancassurance 4.3629 1.010
Liquidity 4.345 0.9415
Capital Adequacy 4.3 1.10075
Assets Quality 4.20 0.985
![Page 13: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/13.jpg)
Correlation Analysis
Variables conclusionLiquidity Pearson correlation
Sig (1-tailed).5800.000
Positive and significant relationship.
Capital Adequacy
Pearson correlation Sig (1-tailed)
.5020.000
Positive and significant relationship.
Assets Quality Pearson correlation Sig (1-tailed)
.5740.000
Positive and significant relationship.
![Page 14: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/14.jpg)
Regression analysis ( Model summary)Model R R square Standard error
of estimation
liquidity .580 .337 .58128
Assets quality .574 .329 .59457
Capital adequacy
.502 .252 .75842
![Page 15: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/15.jpg)
Regression Analysis
variables Beta coefficients
Bancassurance & Liquidity .689, (P < 0.01)
Bancassurance & capital Adequacy .692, (P < 0.01)
Bancassurance & Assets Quality .700, (P < 0.01)
![Page 16: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/16.jpg)
Hypothesis Testing
S.N Hypothesis Testing Decisions
1. There is positive relationship between bancassurance and Liquidity.
Accepted
2. There is positive relationship between bancassurance and Capital Adequacy.
Accepted
3. There is positive relationship between bancassurance and assets Quality.
Accepted
![Page 17: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/17.jpg)
Conclusion
• There is a influence of bancassurance towards the liquidity of banking industry.
• Bancassurance helps to improve the Capital adequacy ratio of banking industry.
• Bancassurance affects the assets quality of banking industry.
• Bancassurance has strong impact on the financial performance of banking industry.
![Page 18: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/18.jpg)
Recommendation
• Determinants of financial performance.
• Sample size .
• Recommendation to manager: Bancassurance helps to improve financial position.
![Page 19: Bancassurance](https://reader036.fdocuments.fr/reader036/viewer/2022081520/58f1b55c1a28aba10d8b4597/html5/thumbnails/19.jpg)
THANK YOU