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003			OSt
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008			160409b xxu||||| |||| 00| 0 eng d
100			_aRustam, Adeela _921462
245			_aA comparative study of the performance of local and foreign banks in Pakistan: _c Adeela Rustam and Kashif Rashid _bsome anova evidence
260			_aHydrabad _bIUP Publication _cFebruaury 2015
300			_a7-20 p. _bPaper
500			_aThe paper measures the financial performance of local and foreign banks operating in Pakistan, and secondly it investigates the causes of performance deficiencies. The performance of the sample banks is measured by using one-way Analysis of Variance (ANOVA). The paper uses three parameters and proxies to measure bank performance—profitability, financial structure and efficiency. The determinants used for estimation of these three parameters are Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Debt-to-Equity Ratio (DER), Capital Adequacy Ratio (CAR) and Operating Expense-to-Assets (OETA) ratio. The first stage of findings indicates that foreign banks have a sound financial structure compared to the local banks. The second stage of findings indicates that the ROA and ROE of foreign banks are comparatively higher than that of the local counterparts. The results at the second stage also show that NPM of foreign banks is higher than that of local banks. Finally, the third stage of analysis finds that local Pakistani banks are less cost-efficient than foreign banks operating in Pakistan.
650			_aBanks _zPakistan _921507
650			_aForeign Banks _zPakistan _921508
700			_aRashid, Kashif _921509
942			_2ddc _cJA-ARTICLE
773	0		_030414 _953327 _aMURTHY, E N _b _dIUP PUBLICATION HYDERABAD _o5553811 _tBANK MANAGEMENT _w _x _z
999			_c42961 _d42961