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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016 Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) |
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| Paper Title: | Effects of Corporate Governance on Financial Performance of Rural Banks |
| Authors Name: | Christine A. Cayanan |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJNRD_198305
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| Published Paper Id: | IJNRD2306276 |
| Published In: | Volume 8 Issue 6, June-2023 |
| DOI: | |
| Abstract: | Corporate Governance is a relationship between the bank’s board, management, shareholders and other stakeholders. The main purpose of corporate governance is to enhance the net income of shareholders. The researcher aims to study the effect of Corporate Governance on the Financial Performance of the rural banks in Pampanga. It seeks to determine the impact of good corporate governance as an independent variable on financial performance as a dependent variable. Data for this study was gathered from two sources, Published Financial Statements of rural banks covering the year end report from 2016 to 2019 which were obtained on the BSP Data Center Data. On the other hand, the board characteristics is obtained from each rural bank who participated in the study. A quantitative approach of research has been followed to determine the impact of the qualifications of the Board of Directors in Pampanga and the implementation of good governance in their respective rural banks. A descriptive survey was employed because it provides an accurate portrayal or account of the characteristics of the Board of Directors. The statistical tool that was used in this study was linear regression. This statistical tool analyzed how Corporate Governance practices correlates to the financial performance of rural banks in Pampanga. The bank’s financial performance was measured by the Return on Asset (ROA) and Return on Equity (ROE), wherein: ROA= Annual Net Income/Total Assets; ROE= Annual Net Income/Shareholders’ Equity. Based on the foregoing findings of the study, it can be concluded that the rural banks in Pampanga were substantially backed-up by physical and financial assets to support their stable operations commensurate to their size. The directors in rural banks have attained appropriate educational qualifications to become members of the policy making body of the rural banks. They have also been knowledgeable in the practice of corporate good governance as reflected in their fairness to deal with the officers, staff and other stakeholders. The board of the rural banks in Pampanga are also well structured following the standards prescribed by SEC and BSP. However, not all parameters of the corporate good governance have been fully exercised by the board of the rural banks. There are still parameters that needs to be enhanced particularly in the aspects of effectiveness, independence and accountability. Both ROA and ROE are dependent on the level of practice of corporate good governance. It seems obvious that the better the management of the bank based on sound banking principles, the better it can generate income and attract investors. Further, economic shocks can be survived and can be mitigated if directors would adhere to sound banking principles and proper management practices. |
| Keywords: | Corporate Governance, Financial Performance |
| Cite Article: | "Effects of Corporate Governance on Financial Performance of Rural Banks", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.8, Issue 6, page no.c689-c694, June-2023, Available :http://www.ijnrd.org/papers/IJNRD2306276.pdf |
| Downloads: | 000118752 |
| ISSN: |
2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
| Publication Details: |
Published Paper ID:IJNRD2306276 Registration ID: 198305 Published In: Volume 8 Issue 6, June-2023 DOI (Digital Object Identifier): Page No: c689-c694 Country: Mexico, PAMPANGA, Philippines Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2306276 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2306276 |
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ISSN: 2456-4184
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