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Home > Bank Specific, Industry Specific and Macroeconomic Determinants of Bank Profitability in Pakistan

Bank Specific, Industry Specific and Macroeconomic Determinants of Bank Profitability in Pakistan

Thesis Info

Author

Ashar Ali

Department

Department of Management Sciences

Program

Mphil

Institute

National University of Modern Languages

Institute Type

Public

City

Islamabad

Province

Islamabad

Country

Pakistan

Thesis Completing Year

2016

Subject

Management Sciences

Language

English

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676728799783

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The relationship between the bank profitability and bank specific, industry specific and macroeconomic factors has important implications for a host of public policy questions. In current study, unbalanced panel data on 51 scheduled banks and 6 DFIs over a period of 2001 to 2013 has been used to provide novel estimates of bank profits and it influential factors. The empirical strategy exploits the relationship between the current profits with previous year profits to identify the dynamic characteristics of the model of bank profitability in addition to the bank specific, industry specific and macroeconomic estimates. The continuity in bank profits in Pakistan allows the current study to model the lagged profitability as determinants of bank profitability. Further this study modeled the structure-conduct-performance hypothesis (SCP); it reflects the setting of prices that are less favorable to consumers (lower deposit rates, higher loan rates) in more concentrated markets as a result of competitive imperfections in these markets and lead supernormal profits. A related theory is also modeled by the current study, the relative-market-power hypothesis (RMP), which asserts that only firms with large market shares and well differentiated products are able to exercise market power in pricing these products and earn supernormal profits. The results for current study has been obtained by us two-step generalized method of moments (GMM) technique, it deals well with the dynamic panel data sets. The results for the current study are significant and supported by the previous literature. In bank specific characteristics, lagged bank profitability, capital ratio and size found to have positive relationship with bank profits while management inefficiency and credit risk variable found to have negative and significant relationship with bank profits. In industry specific variables concentration ratio found positively associated with bank profitability. In macroeconomic factors like inflation, GDP growth rate and market capitalization have positive while money supply growth rate found to have negative effects on bank profits.
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71. Nuh/Prophet Noah

71. Nuh/Prophet Noah

I/We begin by the Blessed Name of Allah

The Immensely Merciful to all, The Infinitely Compassionate to everyone.

71:01
a. Truly, WE assigned Noah with a Divine Mission to his people, saying:
b. ‘Warn your people of the consequences of disobedience to the Divine Message before a grievous punishment would actually afflict them!’

71:02
a. Thus he proclaimed:
b. ‘O My People!
c. I have been assigned to you as a Clear Warner and my message is simple to understand and easy to follow.

71:03
a. The message is:
b. ‘Submit in worship and reverence to Allah alone, and
c. fear HIS disobedience and be reverent to HIM,
d. and, thus, follow me’ in guidance.

71:04
a. By so doing, ‘HE will be forgiving some of your past sinful offenses, and grant you respite till an appointed time - the time of death – instead of destroying you immediately.
b. But when Allah’s Appointed Time will come, then it would neither be averted nor delayed, if only you knew.’

71:05
a. So Noah spent hundreds of years conveying the Divine Message but he faced immense opposition, insult, and mockery.
b. Thus he submitted:
c. O ‘My Rabb - The Lord!
d. Truly, I have appealed to my people by night and by day, as I was assigned to do,

71:06
a. but the more I would call, the farther they would run away’ from my advocacy.

71:07
a. And, truly, each time I would call them so that they would accept The Truth and YOU may
thus grant forgiveness to them,

682 Surah 71 * Nuh

...

ایڈورٹائزنگ کی مختلف صورتیں اور اسلامی تعلیمات

Media has wide spectrum in modern world such that it is known as fourth pillar of state. Media has made convenient and has provided numerous facilities. Apart from this media also has shortcoming. Media has wide application in modern world and it is used for different purposes but it has influenced the field of business significantly. In field of business there are various methods to advertise their products and goods but the role of media cannot be neglected nowadays. The owners of industries and factories find it the most suitable ways of enhancing the sale of their products and goods. Therefore advertising has become the most profitable and productive source of income because every company spend a huge amount in order to advertise their products. The Islam has allowed the human being to widen their business through fair means but it is necessary to analyze the Islamic and moral perspective of advertisement so that Muslims may know about the limitation of issue and under its constraints they can be benefited. In this article we will elaborate the Islamic significance and limitations of advertising.

Multi-Resolution Tranaform Based Feature Extraction Techniques for Differentiating Glioma Grades Using Mri Images

Medical image processing is one of the most attention gaining research areas that utilizes the technology for improving the quality of human life through a more precise and rapid diagnosis systems. This thesis focuses on computer assisted diagnosis of brain neoplasms which is amongst the most fatal cancers. Though, their exact cause is still unknown but early detection anddiagnosisofcorrectneoplasmtypeisveryimportantforpatient’slifeandfurthertreatment planning. Currently, the treatment of brain neoplasm depends on clinically observed symptoms, appearance of radiological tests, and often the microscopic examination of neoplasm’s tissues (histopathology or biopsy report). Magnetic Resonance Imaging (MRI) is the state of art technique to diagnose brain neoplasms and monitor their treatment. It provides a noninvasivewaytoimprovethequalityofthepatient’slifethroughamoreaccurateandfastdiagnosis and with minor side-effects, leading to an effective overall treatment. However, MRI does not provide any information about exact type and grade of neoplasm. The final decision is based on biopsy report of patient which is considered as gold standard, despite all risks associated with surgery to obtain a biopsy. With rapid advancement in technology, the researchers are continuously working on computerized techniques or computer assisted diagnostic tools to provide fast identification, correct diagnosis and effective treatment of brain neoplasm. The aimofthepresentthesisistodesign,implement,andevaluateasoftwareclassificationsystem fordiscriminatingthreegradesofbrainneoplasmonMRI.Limitedbrainneoplasmimagedata isoneofthebiggestissuesinthisresearchareabecausecollectionofthistypeofdatarequires years and years. Normally, we find studies working on images of some specific hospital orwebsite. Inaddition,directcomparisonofthesestudiesisnotpossiblebecauseeachstudyhad worked on different types of neoplasm and various sizes of image data. We have addressed this issue by proposing a new image cropping technique for handling images of different dimension for the same classifier. This new system is capable of handling image datasets from different institutions with various image sizes and resolutions for comparing, regulating and sharing of research. It is also observed, that lesser training and testing images in a particular class of neoplasm badly effect the classification accuracy. By using this generalized system, moreimagesamplesofaneoplasmclasscanbetakenfromotherinstitutionsorwebsitestoimprovetheclassificationaccuracy. ForclassificationofMRIimages,majorityoftheresearchers haveworkedonstatisticalfeaturesofneoplasmregionbutmulti-resolutiontransformsforfeature extraction, are not much explored. Besides this, classification of normal and pathological brain is mostly addressed but very few studies are found on multi-classification of different neoplasm types. The main objective of this thesis is to explore the performance of different multi-resolution transform based feature extraction techniques for multi-classification problem of brain neoplasm type (grade II, grade III and grade IV gliomas). Discrete Wavelet Transform (DWT) is one of the most popular multi resolution transform, extensively used as feature extraction technique for binary (normal vs abnormal brains) brain neoplasm classification systems. In this thesis, a stationary and time invariant Non Subsampled Contourlet Transform (NSCT) with Gray Level Co-occurrence Matrix (GLCM) is used for computation of feature vector in brain neoplasm classification system. This NSCT-GLCM based classification system is also compared with conventional DWT-GLCM based classification system, for the same experimental setup. It is found that NSCT-GLCM based system perform better than DWT-GLCM based system. For further improvement in neoplasm discrimination accuracy, in last algorithm, a multi resolution transform based hybrid feature extraction technique is introduced. This hybrid technique is comprised of conventional DWT, NSCT and GLCM. The quantitative performance analysis showed that hybrid feature extraction technique per formed much better than the previous two techniques (DWT-GLCM and NSCT-GLCM) with the highest accuracy of 88.88%. The developed brain neoplasm classification techniques can better assist the physician’s ability to classify and analyze pathologies leading for a more reliable diagnosis and treatment of disease.