文章基本信息

标题：Investigating the Impact of Net Liquidity Gap on Profitability of Banking Business: A Study on Some Selected Commercial Banks in Bangladesh
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作者：Mohammed Sohail Mustafa ; Md. Rezaul Kabir ; Md. Mamoon Al Bashir 等
期刊名称：Research Journal of Finance and Accounting
印刷版ISSN：2222-1697
出版年度：2016
卷号：7
期号：11
页码：1-9
语种：English
出版社：The International Institute for Science, Technology and Education (IISTE)
摘要：Managing Liquidity in a commercial bank whether it is a private or nationalized bank is very crucial task for a successful venture. Now banks are compelled by rules to disclose their liquidity position through a statement of liquidity as per the rule circulated by Bangladesh bank. Besides that a commercial bank always is pressured to keep certain part of its deposit for liquidity. But higher liquidity can cause lower investment and lower liquidity can cause insolvency. In this dilemma, this study focuses on the total liquidity gap derived from net liquidity gap of each maturity bucket of six private commercial banks to find its relationship with some profitability and by business profitability indicative ratios such as ROA, ROE and EPS. This study also measures the liquidity position of the banks in both short term and long term tenure. It is a descriptive research where the tools of analysis are trend analysis, simple regression method, F-test etc. Six banks are chosen for the analysis and these are chosen based on convenience and availability of required data. The findings of the study show that there is a strong relationship between TLG and three profitability indicators, namely ROA, ROE and EPS in few banks, and the relationship is found negative based on the coefficient value of the simple regression equation. Keywords: Net Liquidity Gap, Liquidity management, Business Profitability, Banking Business.
其他摘要：Managing Liquidity in a commercial bank whether it is a private or nationalized bank is very crucial task for a successful venture. Now banks are compelled by rules to disclose their liquidity position through a statement of liquidity as per the rule circulated by Bangladesh bank. Besides that a commercial bank always is pressured to keep certain part of its deposit for liquidity. But higher liquidity can cause lower investment and lower liquidity can cause insolvency. In this dilemma, this study focuses on the total liquidity gap derived from net liquidity gap of each maturity bucket of six private commercial banks to find its relationship with some profitability and by business profitability indicative ratios such as ROA, ROE and EPS. This study also measures the liquidity position of the banks in both short term and long term tenure. It is a descriptive research where the tools of analysis are trend analysis, simple regression method, F-test etc. Six banks are chosen for the analysis and these are chosen based on convenience and availability of required data. The findings of the study show that there is a strong relationship between TLG and three profitability indicators, namely ROA, ROE and EPS in few banks, and the relationship is found negative based on the coefficient value of the simple regression equation. Keywords : Net Liquidity Gap, Liquidity management, Business Profitability, Banking Business.
关键词：Net Liquidity Gap; Liquidity management; Business Profitability; Banking Business.