Within the current theoretical literature it has been established that banks tend to maintain the regulatory capital requirements either by raising additional capital through equity issues or by selling/substituting risky assets. This paper bridges the gap for a comparative explanation in...

Nepalese banks have witnessed a considerable shift in recent years towards its loans and advances by focussing on consumer credit. The traditional method of evaluating applicants that is based on the judgmental system is increasingly becoming inappropriate for the large volume of applicants. As...