Search or add a thesis

Advanced Search (Beta)
Home > Stability Analysis of the Financial Systems of Pakistan and India

Stability Analysis of the Financial Systems of Pakistan and India

Thesis Info

Access Option

External Link

Author

Muhammad, Izhar

Program

PhD

Institute

Capital University of Science & Technology

City

Islamabad

Province

Islamabad.

Country

Pakistan

Thesis Completing Year

2018

Thesis Completion Status

Completed

Subject

Management Sciences

Language

English

Link

http://prr.hec.gov.pk/jspui/bitstream/123456789/12662/1/Izhar%20Muhammad_Mngt%20Sci%20%28Fin%29_2018_CUST_PRR.pdf

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676725041469

Asian Research Index Whatsapp Chanel
Asian Research Index Whatsapp Chanel

Join our Whatsapp Channel to get regular updates.

Similar


The objectives of this study are to assess the state of stability of the Banking systems of Pakistan and India and then to estimate how good, bad and worst economic conditions would in uence its state of stability. Our design of study is a mix of the techniques used by independent analysts andnancial system regulators. The model used in stress testing and scenario analysis are employed but in simpli ed form. Pakistan and India have not experiencednancial crisis due to some shock/contagion,therefore stress events and its impact on macroeconomic indicators are not included in the design. Determinants of asset quality of commercial banks are determined and its in uence on Nonperforming Loans (NPL) ratio explored empirically. A bank is termed unstable if its estimated Nonperforming Loans/advance ratio surpasses its equity/advance ratio during a year in a scenario. Scenarios of good, bad and worst economic conditions are developed for stress testing on the basis of extreme values of macroeconomic variables during sample period. Stability of whole banking system during a year in a scenario condition is evaluated on the basis of assets controlled by banks estimated unstable. First we take stock of banking system of Pakistan. During 1998-2001, in normal, bad and worst economic conditions, banks assessed signi cantly unstable are in control of maximum 35%, 50% and 62% assets respectively of the whole banking system. During 2002 and onward banks assessed signi cantly unstable are in control of maximum 6% assets of the whole banking system in normal, bad and even worst economic conditions. Thus it can be concluded that Pakistani banking system is stable since 2002 and can withstand bad and even worst economic conditions. As far as Indian banking system is concerned, Citibank (foreign bank) is the only bank appraised stable after 2006 and also adjudged able to withstand even the worst economic conditions. Almost all public sector banks reviewed are assessed unstable during 1999-2005. They exhibited signs of recovery during 2006- 2011 but adjudged markedly unstable during 2012-14. During 2014, twelve (out of total thirteen) public sector banks are evaluated signi cantly unstable in bad economic conditions. The three private sector banks i.e. Axis, HDFC and ICICI are evaluated to have performed satisfactorily specially during the last four years of the period under review. The instability of the Indian banking system in 2014 is more noteworthy when six banks possessing 30% assets of the banking system are appraised unstable by signi cant margin. The number of banks adjudged signi - cantly unstable is (maximum) two during 1999-2013 but abruptly increases to six in 2014. Results of the stress testing of the banking system of India under various scenarios denote that Indian banking system lacks the potential to withstand any macroeconomic shocks. In any signi cant adverse macroeconomic conditions, the system is expected to collapse.
Loading...
Loading...

Similar Books

Loading...

Similar Chapters

Loading...

Similar News

Loading...

Similar Articles

Loading...

Similar Article Headings

Loading...

مصطفےٰ کمال اتاترک

اتاترک، مصطفےٰ کمال
غمِ کمال
آخر اس عیسیٰ نفس کو بھی موت آگئی جس نے بیمار ٹرکی کو شفا، اور اس کو موت کے پنجہ سے چھڑا کر زندگی بخشی تھی، دنیا نے اس کا ماتم کیا، اور عجیب تر یہ ہے کہ انھوں نے بھی اس کا ماتم کیا جنھوں نے اس کو تختہ دار پر چڑھانے میں کوئی کوشش اٹھا نہ رکھی تھی لیکن اس کی تلوار نے ہر بیڑی کو کاٹا اور ہر زنجیر کے ٹکڑے کئے اور پرانی ٹرکی کو جلا کر اس کی راکھ سے ایک نئی ٹرکی بنا کر کھڑی کی ۱۹۲۰؁ء میں کون خیال کرسکتا تھا کہ اتحادیوں کے پنجۂ ستم سے بچ کر یہ شکار صحیح و سلامت نکل آئے گا، مگر اس کی تدبیروں نے آخر ہر تدبیر کو شکست دی، ڈاکٹر اقبال نے سچ کہا:

قاہری با دلبری پیغمبری است
ایسا سیاسی پیغمبر اگر کوئی ہوا ہے تو وہ مصطفی کمال اتا ترک تھا، جو تاج و تخت، خدم و حشم، باڈی گارڈ اور محافظوں کے دستہ کے بغیر ملک پر حکمرانی کرتا تھا، اس نے اسلام کے اس سیاسی رنگ کا دھندلا سا منظر پیش کیا تھا، جس کے دیکھنے کو خلافت راشدہ کے بعد سے مسلمانوں کی آنکھیں بیتاب تھیں، اﷲ تعالیٰ سے دعا ہے کہ وہ مرحوم کو اپنی مغفرت و رحمت کے فتوحات سے سرفراز فرمائے اور ان کی اجتہادی غلطیوں سے درگزر کرے۔ (سید سلیمان ندوی، دسمبر ۱۹۳۸ء)

 

Classification of News Articles using Supervised Machine Learning Approach

Today the big challenge for NEWS organization to well organize the news and well categorize the news in automatically no need the data entry people to enter and select the category and then based on the category and its sub-category they will be manually selected and enter the details and then after this the analysis will later on used for different aspects. The news is almost every second used in different sources of media in soft and hard. We use the both sources of the Pakistan News in dual languages English and Urdu both and process them and prepare them for machine learning and based on the Machine learning trained data we build a very effective and efficient model that can predict the title category of the news and category of description of the news. We use different machine learning algorithms and different features extraction finally we build the model using the machine learning algorithm with 89% accuracy with logistic regression.

Integrated Circuit Models of Bio-Cellular Networks

The core idea driving this PhD research project is that there is a finite set of bio-chemical processes that are recurrently found in bio-cellular networks; designing compact, efficient and robust electronic models for such basic reactions can lead to faster development of electronic mimetics for larger bioprocesses. In this thesis analog MOS transistor models for three of such fundamental bio-cellular processes have been proposed. It has been shown that natural analogies exist between bio-cellular reaction parameters and device parameters of an electronic transistor, and exploiting them simpler and faster electronic circuit simulators can be designed for bio-cellular processes. The proposed models use lesser count of transistors than the existing researches, hence leading to faster and cheaper execution of the hardware. To further strengthen the idea of modularization, these basic electronic modules have been cascaded with minor adjustments to form a complete bio-cellular pathway. The three non-linear bio-processes modeled on silicon substrate in this research are receptor-ligand binding reaction, Michaelis Menten reaction and Hill kinetics. The corresponding electronic implementations for the first two have been validated against the deterministic ordinary differential equation (ODE) models of the mentioned bio-processes. A new set of analogies between entities of electronic and biological domains have been established. It has been shown mathematically and through simulations that the gate voltage in an electronic transistor controls the saturation of device current the same way an enzyme or receptor contains the inundation of production rate in a bio-reaction; hence drain voltage stands analogous to substrate or ligand concentrations. Also, the characteristic relationship between device current and the two types of terminal voltages, drain and gate, allows a transistor to be used as a bio-concentration multiplier. Another set of equivalent parameters have been validated; the effect of dissociation constant in a receptor-ligand binding and Michaelis constant in a Michaelis Menten reaction is proportional to the effect of channel length in an electronic transistor therefore no external silicon circuitry is required to model these bio-constants, hence significantly reducing the size of the corresponding electronic models. The behavior of these electronic circuit models compares acceptably with that of respective bio-cellular reaction as reported in the standard literature of bio-chemistry and molecular biology. The circuit sizes have been compared with other existing efforts to model the same non-linear processes in electronic domain, and the proposed circuits have been found to use lesser number of transistors producing the same behaviors satisfactorily. For the third process, the Hill kinetics, a couple of electronics models have been proposed. Concrete mathematical and behavioral validation of Hill process is still under research. The proposed silicon models of the basic bio-processes, receptor-ligand binding reaction and Michaelis Menten reaction, have been cascaded with subtle alterations to implement the electronic design of a very vital pathway found in living cells, the cAMP-dependent pathway. For this pathway a deterministic ordinary differential equation model has been derived from the existing literature of bio-chemistry to show that the whole pathway cascade involves only a couple of bio-processes occurring repeatedly; hence can be designed rapidly and efficiently by combining the respective electronic sub-modules. Producing integrated circuit chip level electronic mimetics of bio-cellular processes can be beneficial in two ways. First, these chips can serve as faster bio-electronic simulators as compared to their computational counterparts. They can also be integrated with bio-systems as bio-sensors and bio-system regulators due to the compactness of size and power efficiency. Secondly, these cytomorphic designs, build on the lines of highly computational intensive yet power and space efficient bio-systems can help improve designs of computational mechanics, and even set new design direction in this domain.