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Bank Portfolios And Bank Earnings In Kenya

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Bank Portfolios And Bank Earnings In Kenya

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Author : Nancy N. Nafula
language : en
Publisher:
Release Date : 2003

Bank Portfolios And Bank Earnings In Kenya written by Nancy N. Nafula and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Bank investments categories.

This paper examines how bank earnings are affected by the bank's choice of investment portfolios. It reveals that bank earnings increase with loans and advances, placements in other banking institutions, and government securities. The results suggest that higher pricing of loans relative to deposites can be used to reduce the opportunity cost associated with holding idle reserves. Better control of expenses, for example through reduction of overheads and sound management practices, are key to strong earning performance of commercial banks.

Income Stream Diversification And Financial Performance Of Commercial Banks In Kenya

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Author : Stephen Githaiga Ngware
language : en
Publisher:
Release Date : 2020

Income Stream Diversification And Financial Performance Of Commercial Banks In Kenya written by Stephen Githaiga Ngware and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.

Banks have resulted in strengthening their portfolio mix by diversifying their portfolios in order to eliminate risks, increase their revenue sources, remain profitable and survive the competitive environment. Diversification being the main challenge encountered by banks aims at minimizing the variability of operations by banks by reducing the concentration of deposits, loans and revenue that is generated from these activities. Income diversification aims at increasing the sources of interest as well as non- interest income, reduce interest rate risk and total unsystematic risk. Capping of rates of interest has been judged to be a threat to performance of the banking institutions in Kenya and thus a need for commercial banking institutions to strengthen by diversification their streams of income. The 43 commercial banking institutions having official license from CBK by December 2017 were the target population of this study. The study analyzed Time Series Cross Sectional unbalanced secondary panel data obtained from KNBS, World Bank website, CBK, published financial accounts statements of all the 43 commercial banking institutions in Kenya, and the Banking survey publications for fifteen years ranging from 2002 to 2017. Four hypotheses were estimated using techniques of Panel data by adoption of fixed effects and random effects. Generalized Method of Moments (GMM) was used to estimate short run model. Income streams diversification had an association that was significantly positive on financial performance of commercial banking institutions in Kenya.

Income Diversification In The Banking Sector And Earnings Volatility Evidence From Kenyan Commercial Banks

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Author : Josephat Mboya Kiweu
language : en
Publisher:
Release Date : 2012

Income Diversification In The Banking Sector And Earnings Volatility Evidence From Kenyan Commercial Banks written by Josephat Mboya Kiweu and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.

This paper investigates whether diversification of income sources for Kenyan banks leads to better earnings and reduced individual bank and systemic risks. The study seeks to analyze the extent to which observed shift toward fees income generating activities has improved bank performance and reduced volatility of revenue. The findings show that there are few benefits, if any, to be expected from income diversification from traditional banking although there is growing importance of non-interest income during the study period 2000 - 2010. The benefits of the evolution of non-interest income do not seem to fully offset the increase in risk that come with fee based income. A positive correlation between net interest income and non-interest income seems to exist, a finding that suggests that non-interest income may not be used to stabilize total operating income. The findings also reveal that lending rates are significantly correlated with net interest income, and the relationship is negative meaning that more lending takes place when interest rates are favorable.

The Relationship Between Bank Portfolios And Their Costs And Earnings

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Author : Maureen Lang Tan
language : en
Publisher:
Release Date : 1971

The Relationship Between Bank Portfolios And Their Costs And Earnings written by Maureen Lang Tan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1971 with Banks and banking categories.

50 Years Of Central Banking In Kenya

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Author : Patrick Njoroge
language : en
Publisher: Oxford University Press
Release Date : 2021

50 Years Of Central Banking In Kenya written by Patrick Njoroge and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with Business & Economics categories.

"This book documents important milestones in the epic journey traversed by the Central Bank of Kenya over the last 50 years, putting into perspective the evolution of central banking globally and within the East African region, and contemplating future prospects and challenges. The book is timely, mainly because the global financial landscape has shifted. Central bankers have expanded their mandates, beyond the singular focus on inflation and consider economic growth as their other important objective. Financial crises have continued to disrupt the functioning of financial institutions and markets, the most devastating episodes being the global financial crisis, which broke out in 2008 and from which the global financial system has not fully recovered, and the unprecedented challenges posed by the global coronavirus pandemic. Bank regulation has moved from Basel I, to Basel II, and somehow migrated to Basel III, although some countries are still at the cross-roads. The book originated from the wide ranging discussions on central banking, from a symposium to celebrate the 50 year anniversary on 13 September 2016 in Nairobi. The participants at the symposium included current and former central bank governors from Kenya and the Eastern Africa region, high level officials from multilateral financial institutions, policy makers, bank executives, civil society actors, researchers and students. The book is an invaluable resource for policy makers, practitioners and researchers, on how monetary policy and financial practices in vogue today in Kenya have evolved through time and worked very well, but also about some pitfalls"--