BBSA Research Projects
Permanent URI for this community
Browse
Browsing BBSA Research Projects by Subject "Bancassurance"
Now showing 1 - 2 of 2
Results Per Page
Sort Options
- ItemGrowing Role of Bancassurance in the Banking Sector: A Case of Kenya Tier 1 Local Banks(Strathmore University, 2017) Ng'etich, Sheila ChepkorirThe Kenyan market need to mitigate their risks as the levels of insurance penetration is low. Bancassurance which is the integration of banking and insurance has been adopted as a distribution channel of insurance products. This paper analyses the contribution of bancassurance to the insurance sector and the recent trends of bancassurance on the performance of banks. The target population was all commercial banks in Kenya. A sample was done for tier 1 local banks in Kenya. The study uses a descriptive research design. Data is represented in tables and charts. The methodology used was an analysis using the CAMEL parameters. The findings are: Capital adequacy analysis shows that the banks' level of solvency is good. Asset Quality analysis shows that the financial position of the banks is strong. Earnings and profitability analysis tend to be contradicting the hypothesis since the investment in the insurance agency was still quite low. The banks however managed to balance their liquidity and profitability. The insurance agency can introduce services such as pricing and reserving in order to maximize their profitability.
- ItemGrowing role of Bancassurance in the banking sector: a case of Kenya tier 1 local banks(Strathmore University, 2017) Otambo, Washington MisikoDifferent methods of reserving for claim liabilities of an insurer and in particular IBNR have been advanced throughout time. These methods strive to provide an estimate enough to cater for the future liabilities. Therefore it is important that the methods developed be as accurate as possible since an under reserving will mean more risk exposer to the insured’s while holding too much reserve is not maximizing the shareholders commitment of funds. A balance should be made to set aside a just enough amount of reserve, hence need for a good reserving technique.