[雙語翻譯]財(cái)務(wù)績(jī)效外文翻譯--巴基斯坦私人銀行財(cái)務(wù)績(jī)效分析（英文）

1、 Procedia - Social and Behavioral Sciences 109 ( 2014 ) 1021 – 1025 1877-0428 © 2014 The Authors. Published by Elsevier Ltd. Selection and peer review under responsibility of Organizing Committee of BEM 2013.

2、 doi: 10.1016/j.sbspro.2013.12.583 ScienceDirect2nd World Conference On Business, Economics And Management -?WCBEM2013 Analysis of Financial Performance of Private Banks in Pakistan Syed Qasim Shah a*, Rizwan Jan b a Le

3、cturer, COMSATS Institute of Information Technology, Abbottabad, Pakistan b Research student, COMSATS Institute of Information Technology, Abbottabad, Pakistan Abstract This study deals with financial performance of priv

4、ate banks in Pakistan. The data is collected from Financial Statements Analysis of Financial Sector issued by State bank of Pakistan. The sample size consists of top ten Private commercials banks of Pakistan. We used R

5、egression analysis and correlation technique in order to address the issue. Bank size and Operational Efficiency is negatively related with ROA and positive relationship was found with Assets management ratio. While, Ba

6、nk size is positively related with Interest Income and Asset Management and Operational Efficiency is negatively related with Interest Income. Keywords: financial performance, efficiency, Banking, Pakistan; [Type tex

7、t] 1. Introduction Financial sector is imperative for economic growth and industrialization via channeling funds, providing proficient financial system, sociable investor’s treatment, and optimal utilization of resource

8、s (Raza, 2011). Banking sector in any economy is performing the major role in these regards. Banking sector plays a significant role in channeling funds to industries and contributing towards economic and financial gro

9、wth and stability. A well-established banking sector can absorb major financial crisis in the economy and can provide a plat form for strengthening the economic system of the country (Aburime, 2009). Pakistani banking

10、sector has undergone through severe changes since its independence. Initially the banking sector of Pakistan has faced lot of problems like, lack of resources, political uncertainty, lack of skilled human resource and

11、socioeconomic catastrophe, which affected the efficient working of banking sector. But State Bank of Pakistan (SBP) took initiatives by introducing SBP Act, 1956 to promote private sector banks, followed by privatizati

12、on of 1992 motivated local and foreign investors in setting private sector banks and financial institutions. Currently, Pakistani banking sector consist of 44 banks with 9,399 branches and Rs. 11,778.6 billion assets,

13、including 5 public sector banks, 23 domestic private banks, 12 foreign private banks, 4 specialized banks. Today, almost 80 percent of the banking assets held by the private sector banks * Corresponding Author: Syed Qas

14、im Shah. Tel.: +92-334-8971880 E-mail address: sqshah@ciit.net.pk Available online at www.sciencedirect.com© 2014 The Authors. Published by Elsevier Ltd. Selection and peer review under responsibility of Organizing

15、 Committee of BEM 2013.Open access under CC BY-NC-ND license.Open access under CC BY-NC-ND license.1023Syed Qasim Shah and Rizwan Jan / Procedia - Social and Behavioral Sciences 109 ( 2014 ) 1021 – 1025 3.2. Mode

16、l of Study In this study we will use following regression model. ? ??? ? ???? ? ????????? ? ????????? ? ????????? ? ?? ? ??? ? ???? ? ????????? ? ????????? ? ????????? ? ?? 4. Results and Discussion: 4.1. Descriptiv

17、e Statistics Table 2. Results of Descriptive Statistics ROA IN BS AM OE Mean 0.011762 15.90470 19.19761 0.017200 1.379372 Median 0.012850 16.01825 19.35652 0.018300 1.303000 Maximum 0.037200 17.42192 20.36485 0.05410

18、0 4.812100 Minimum -0.061500 14.03071 16.69094 -0.076800 0.442400 Std. Dev. 0.013906 0.878778 0.758796 0.019055 0.626908 Observations 50 50 50 50 50 The mean value of ROA is 0.011762; this shows that percentage of ROA

19、is 1 % which is very low while the standard deviation is 0.013906.The mean value of Interest income (IN) is 15.90470, this shows that percentage is more than 100 which indicate the very high value of Interest income wh

20、ile the standard deviation is 0.878778.Bank size (BS) measured as Ln (explain) of total assets registered a very high mean of 19.19761 while standard deviation is also high 0.758796. The mean of Asset management (AM) i

21、s 0.017200 and its standard deviation is 0.019055.The mean of Operational Efficiency (OE) is 1.379372 and its standard deviation is 0.626908. 4.2. Correlation Analysis Table 3. Results of Correlation ROA IN BS AM

22、OE ROA 1.000000 0.367797 0.298680 0.986983 -0.913402 IN 0.367797 1.000000 0.892418 0.431248 -0.404140 BS 0.298680 0.892418 1.000000 0.350509 -0.321225 AM 0.986983 0.431248 0.350509 1.000000 -0.917029 OE -0.913402 -

23、0.404140 -0.321225 -0.917029 1.000000 The value of correlation between ROA and Bank size (BS) is 0.298680.The result of correlations indicates a weak positive correlation between dependent variable (ROA) and independe

24、nt variable (BS), which is 29.8 percent. It is also clear from correlation test there is a very strong positive correlation between dependent variable (ROA) and Asset management (AM) which is 98%. While the relationshi

25、p between dependent variable (ROA) and independent variables is -91 percent which shows high negative correlation. This result of correlation between Interest Income (IN) dependent variable and Bank size (BS) shows a s

26、trong positive correlation, which is 89%. It is clear from correlation test that there is a moderate correlation between dependent variable Interest Income (IN) and Independent variable Asset Management (AM) that is 43