Application of hempel model and the use of accounting information in the decision making process

The empirical analysis reveals that NPLS trends are highly correlated to the bank characteristic and its growth strategy .
the sustainable growth strategy has implication on profitability (ROTA) dividend policy and dividend payout ratio (DPR) and the degree of capitalization (EQ\TA). George hempel has developed well known model for developing and engineer growth strategy of banks . Hempel provides evidence on the importance of using accounting information in predicting the future growth of capital provider . MBA students has to test hempel model and give professional analysis .