DSpace Collection:http://repository.kln.ac.lk/handle/123456789/121202024-03-29T09:55:16Z2024-03-29T09:55:16ZImpact of Bank Income Diversification to Bank Performance: Evidence from Sri LankaWijethilaka, E.T.S.http://repository.kln.ac.lk/handle/123456789/121682017-05-31T07:26:11Z2015-01-01T00:00:00ZTitle: Impact of Bank Income Diversification to Bank Performance: Evidence from Sri Lanka
Authors: Wijethilaka, E.T.S.
Abstract: Conventional perception in banking disputes that diversification tends to minimize
bank risk and improve performance. This paper addresses this important strategy by
evaluating the empirical relationship between bank income diversification and bank
performance. The main objective of the study is to investigate the impact of income
diversification on bank performance of Sri Lankan listed commercial banks. The lack
of researchers regarding this topic under Sri Lankan banks and need of investigating
the strategies to face the high competition within commercial banks in Sri Lankan
context motivated the researcher to conduct a study regarding this area. This data
set of the study covers Sri Lankan commercial banks during the sample period of
2010-2014. Data utilized in this study were extracted from the statement of
comprehensive income and statement of financial position of listed banks in Colombo
Stock Exchange (CSE) database. There are some control variables like asset size,
equity and asset growth added to the model to ensure that there is no any effect for
the relationship between bank income diversification and bank performance. Based
on the findings of the research there is a positive relationship between bank income
diversification and bank performance despite the fact that degree of diversification
being not in the peak within Sri Lankan context. Additionally, asset size and asset
growth variables are not significant variables to the both ROA and ROE models due
to lack of risk management, information technology, human capital, geographical
diversification and lower cost of capital within commercial banks in Sri Lankan
context. But equity variable shows a significant negative relationship with bank
performance in both models.2015-01-01T00:00:00ZAssessing the Impact of Micro Credit on Well-Being of Self-employees in Kuliyapitiya-West Regional Secretary DivisionWeerasinghe, R.P.T.D.http://repository.kln.ac.lk/handle/123456789/121672017-05-31T07:26:02Z2015-01-01T00:00:00ZTitle: Assessing the Impact of Micro Credit on Well-Being of Self-employees in Kuliyapitiya-West Regional Secretary Division
Authors: Weerasinghe, R.P.T.D.
Abstract: Micro credit is primarily focused towards the investments in rural productive activities
to improve the well-being of borrowers. One of the leading institutions which provide
micro loans in Sri Lanka for self-employees is the DiviNeguma Community bank. This
study attempts to assess the impact of micro credit on well-being of self-employees
in Kuliyapitiya-West regional secretary division, with special reference to the
DiviNeguma Community bank. This study is a survey based research with sample of
ninety six (96) self-employees in Kuliyapitiya-West regional secretary division. A four
stage stratified random sampling design was used to select sample beneficiaries from
the DiviNeguma Community Banks. The sample will include self-employees who
have obtained loans in the range from Rs.10, 000.00 ,Rs.25, 000.00 ,Rs.50,000.00
and Rs.100,000.00 from 2010 to 2011, from Dandagamuwa DiviNeguma Community
Bank and commenced/continued their business through those loans. Both primary
and secondary data were used in this study over 2009 to 2015. In before-after
approach, variables like monthly income, monthly savings, monthly expenditure on
consumption (only for foods other than education and health), monthly expenditure
on children’ education, monthly expenditure on health , housing condition and asset
ownership were used for the comparison in between 2009 and 2015. Accordingly,
there is a significant improvement in income of self-employees due to micro credit.
In accordance with the improvement of income, their food consumption, improvement
in condition of dwelling houses and improvement in asset ownership have also
improved. But, an improvement in expenditure on children’s’ educations and health
can’t be seen in accordance with the income improvement directly. Ultimately, it can
be concluded that the micro credit has a positive impact on well-being of selfemployees
in Kuliyapitiya-West regional secretary division.2015-01-01T00:00:00ZThe Effect of Credit Risk Management on Financial Performance of Commercial Banks in Sri LankaPerera, W.T.D.http://repository.kln.ac.lk/handle/123456789/121662017-05-31T07:25:54Z2015-01-01T00:00:00ZTitle: The Effect of Credit Risk Management on Financial Performance of Commercial Banks in Sri Lanka
Authors: Perera, W.T.D.
Abstract: Risk management is most important part of the financial institutions. Credit risk
management is major part of the overall risk management for the worldwide financial
institution. This study analyzed the impact of credit risk management on financial
performance of commercial banks in Sri Lanka. And also attempted to establish if
there exists any relationship between credit risk management and financial
performance of commercial banks in Sri Lanka by using CAMEL (capital adequacy
ratio, Asset quality, management efficiency, earning, and Liquidity coverage ratio).
This research was facilitated by the use of secondary data which was published by
commercial banks in Sri Lanka. This study used multiple OLS Regression to analyze
the data. Accordingly, it was found that there is an impact of the credit risk
managements on the financial performance of commercial bank in Sri Lanka. More
specifically, Capital adequacy and Management efficiency have negative significant
relationship with financial performance of state commercial banks in Sri Lanka. Asset
quality has a positive relationship with financial performance of Sri Lankan
commercial banks and Earning and Liquidity have positive significant relationship
with financial performance. Finally, this study concludes CAMEL model can be used
as a proxy for the credit risk management.2015-01-01T00:00:00ZDeterminants of Profit Heterogeneity at Firm Level: Empirical Evidence from Sri Lankan Manufacturing SectorMadumadavee, W.A.J.http://repository.kln.ac.lk/handle/123456789/121652017-05-31T07:23:49Z2015-01-01T00:00:00ZTitle: Determinants of Profit Heterogeneity at Firm Level: Empirical Evidence from Sri Lankan Manufacturing Sector
Authors: Madumadavee, W.A.J.
Abstract: The fundamental purpose of this study is to determine and investigate the importance
of different factors that has an impact on profit heterogeneity at firm level specifically
within the context of Sri Lankan Manufacturing sector. When it comes to the Sri
Lankan manufacturing sector, it is gradually developing year-by-year and the
contribution to GDP is considerable. Therefore, going with an investigation on it is
essential since it helps certain parties to make better decisions. This study used
multiple regression analysis for panel data of 12 listed firms over the period of 2010-
2014 to explain variation in firm profitability. Using return on assets as the dependent
variable, it has developed a model to observe the impact of different independent
variables on profit variation. Profitability has a moderate positive relationship with the
identified firm-specific variables. This study demonstrates that the variables such as
liquidity, age since listed and size of the firm are the dominant factors in explaining
total variation in profitability and the liquidity and age adversely affecting it. While size
is having an inverse relationship with profitability of manufacturing firms, growth,
capital intensity and market share is having a negative insignificant impact on
profitability. It is found that leverage is having a positive insignificant relationship with
the profitability. The findings have strong policy implications for both the companies
and the economic managers of Sri Lanka. The managers and the owners of the
manufacturing sector firms operating in countries like Sri Lanka should consider both
the capital structure and liquidity level to realize higher profitability. The research will
support firms to develop better strategy than before. It also helps the manufacturing
firms to better deal with competition it faces from the industry. This is probably the
first study of its kind that tries to explain variation in firm profitability in Sri Lankan
manufacturing sector.2015-01-01T00:00:00Z