An Applied Analysis of Financial Performance of Commercial Banks: A Treasure for the Future Stock Investors (Knowledge News Series)

 
9781490579924: An Applied Analysis of Financial Performance of Commercial Banks: A Treasure for the Future Stock Investors (Knowledge News Series)

As this book is a Research Report, conducted and presented for the partial fulfillment of the requirement to qualify as the Research Scholar (PhD Scholar), it is presented in APA style with minor amendment in display only. This is an independent study course work, worth 3 credits, conducted under the supervision of a PhD faculty member of SZABIST, Islamabad. The basic theme of the study was the analysis of the financial performance of the local and foreign controlled commercial banks, registered in Karachi Stock Exchange. Indirectly, this study adopted the form of comparative analysis. As this is, basically, an applied study, less emphasis is given on theoretical literature review and the econometric-related conceptual frameworks. It revolves around 9 independent variables and one dependent variable, i.e. Financial Performance. Financial performance was taken as the net market value minus net book value and its correlation was sought with 9 independent variables. During this step by step study, 33 total tables were added which contained data duly compiled, manipulated, calculated, interpreted and presented in a systematic way to deduce the results. The major drawback of the study is that the findings of the study and its conclusion were left incomplete, intentionally, as the Research Adviser was of the view that this part must be dealt with during the dissertation. Conclusion of the Study Two major conclusions of the study were: Financial performance of the 10 foreign controlled commercial banks (with 51% or more shares in the hands of foreign stockholders/investors) is better than that of the 15 local controlled commercial banks (with less than 51% foreign shares in the hands of the stockholders/investors). Out of eight significant and measurable variables, selected during the course of the study, three independent variables, ‘cash in hand and other treasury banks’, ‘advertisement and publicity expenses’ and ‘profit after taxes’ seems to have significant impact on the financial performance of the foreign controlled commercial banks. Whereas the four independent variables, ‘non-interest expenses’, ‘capital efficiency’, ‘earning per share’ and ‘dividend income disbursed’ have considerable impact on the financial performance of the local controlled commercial banks.

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About the Author:

After the post-graduation in Education from a renowned university, the writer joined the industry as a professional HRD specialist, delivering training to marketing, management and computer personnel. After spending more than a decade in the large governmental and multinational organizations, he took his MBA with specialization in Finance and then earned MS/MS his first HDR. Now he is writing for his doctorate with specialization in Stock Exchange. His rich corporate and varied academic experience as manager, HR developer, Researcher and teacher is spreads on a span of 27+ years. In the industry, his major area of interest was; HR management and development while his major emphasis in academic circles was Research and teaching. His research career started in 1987 when he worked on a UN sponsored program on Literacy and Mass Education Project in University of the Punjab. In the industry, he highlighted the OJT in HRD and conducted many detailed studies for the industry and academic entities. As a HR developer, he designed and facilitated many advanced programs of development in coordination with HRM for their specific implementation. But, he earned industry-wide repute as marketing and sales developer. Currently he is engaged I in the industry as a consultant, freelance writer, blogger and financial analyst in addition to his activities as academician. To earn credits towards his first HDR in management sciences, he had to write three different Research Reports which were related to Export Strategies, Leadership and Stress Management. The articles on the basis of these studies were published in global refereed academic journals. To earn the credits to qualify as a PhD scholar, again he had to conduct three different researches and submit reports in which his emphasis was stocks studies in the areas of banking and finance. He got one Research Report published as a book, named as; A Contemporary Study on the Stock Behavior of Financial Institutions, by a German publisher and the book in your hand is the second one. An article on the basis of the third report was published by the Toronto-based International Journal of Business and Management in 2009. Now, he is working on his next project related to the HRD which is expects to be completed within a couple of weeks or months.

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