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GUPTA, Prof JAGRITI. "STUDY OF RISK MANAGEMENT IN BANKING SECTOR." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (May 1, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem32455.
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When it comes to the change of an economy, the function that financial institutions of a country perform is absolutely essential. The financial performance of a bank over the course of its history, as well as its capacity to manage risks such as market risk, credit risk, and liquidity risk, can be used to evaluate the progress that banking institutions have made. In the 1980s, the United States of America first implemented a supervisory framework model known as "CAMEL" in order to ascertain the overall state of the bank. It is possible for the model to serve as an efficient instrument for guidance and management, as it is able to forecast future risks that may have an impact on a bank. The purpose of this study is to evaluate the performance of three "public sector banks" and three "private sector banks" in India using the CAMEL methodology for a period of two years, specifically 2022 and 2023. A bank's financial strength is determined using the CAMEL model, which rates the banks from best to worst based on characteristics such as "capital adequacy, asset quality, management efficiency, earning, and liquidity." characteristics such as these are used to determine the strength of a bank. According to the findings of the study, the State Bank of India, the Central Bank of India, and the IDBI bank are the three banks that perform the best in terms of the CAMEL parameters among public sector banks. Similarly, according to the CAMEL composite index rating, the private sector banks in India that hold the top ranks are ICICI bank, Kotak Mahindra Bank, and HDFC bank. Key Word : CAMEL model evaluates financial health of banks using capital, asset quality, management, earnings, and liquidity.
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Nedzvedskas, Jonas, and Povilas Aniūnas. "TRANSFORMATIONS IN RISK MANAGEMENT OF CURRENCY EXCHANGE IN LITHUANIAN COMMERCIAL BANKS." Technological and Economic Development of Economy 13, no. 3 (September 30, 2007): 191–97. http://dx.doi.org/10.3846/13928619.2007.9637799.
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After the adoption of International Convergence of Capital Measurement and Capital Standards (widely known as Basel II requirements) in 2004 the risk management in commercial banks has changed dramatically. Lithuanian commercial banks are in transitional period now adapting their risk management systems to Basel II requirements. Market risk is considered one of the key risks in bank risk management structure, so proper management of market risk is essential for a modern bank. Currency exchange risk usually is the main component of market risk. Currency exchange risk management in Lithuanian commercial banks was not good enough; also the Central Bank's regulatory limits were liberal. But after the adoption of Basel II requirements, the entire risk management system is transforming and currency exchange risk management is affected. The objective of this paper is to demonstrate the transformations of currency exchange in Lithuanian commercial banks and propose an effective model for commercial banking. These transformations are performed in the regulatory system imposed by the Central Bank of Lithuania and through transformations of the bank's internal risk management system moving to internal (usually VaR based) models. VaR models are considered as modern methods for risk management. These models proposed by Central bank or other authorities for internal and statutory risk management in commercial banks. In this article, the proposed variation‐covariation VaR model was tested with real data using the back‐testing method. Back‐testing showed that the proposed model is reliable enough, because the number of mismatches was less than 5 % in all tested currency pairs during all testing. In most currency pairs mismatches percentage was lower than 3 %. Back‐testing results confirm that the VaR method is reliable enough for day‐to‐day using by financial institutions and traders.
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Qutwendra Elva Hibtiyanti. "ANALYSIS OF THE INFLUENCE OF BANK FUND MANAGEMENT IN KALSEL BANKS 2015-2019 PERIOD BANK FUN, AND MANAGEMENT BANK." Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah 2, no. 1 (April 29, 2021): 188–202. http://dx.doi.org/10.55210/arribhu.v2i1.555.
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This study aims to analyze the management of funds at the Bank of South Kalimantan for the period 2015 to 2019, namely to find out how to determine the amount of funds needed to support the operational activities of the Bank of South Kalimantan as well as the methods of collecting funds carried out by the Bank of South Kalimantan. In this study, the data source used was the annual report of the South Kalimantan Bank for the period 2015-2019. This research resulted in the Bank of South Kalimantan determining the funds needed to support bank operational activities based on Government Regulations, Minimum Bank Provision Requirement (KPMM), bank operational area, liquidity requirements owned, and the quality level of assets. Meanwhile for good bank fundraising policy Bank of South Kalimantan in accordance with the policy direction of the Regional Champion Program which consists of 3 main pillars, namely (1) improving and protecting bank defense (2) serving as regional development agents and (3) increasing expertise in providing services to communities in the regions.
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Trimulato, Trimulato. "Urgensi Penerapan Celestial Management Bagi Sumber Daya Manusia Di Bank Syariah." Muslim Heritage 1, no. 1 (May 17, 2016): 197. http://dx.doi.org/10.21154/muslimheritage.v1i1.502.
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<p class="Default"><strong>Abstract: </strong>Islamic banking currently has a strong legal law with the presence of the law number 21 of 2008 on banking syari'ah.Hal This adversely affects the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank continues to grow and continue to open office services in various areas. Thus iru development of Islamic banks must be matched with adequate resources and qualified. Noted labor in Islamic banks continued to grow, from November 2014 to November 2015 grew to 23.51%. Not only the quantity but the quality should also be considered, it takes a celestial concept should be applied for the Management of human resources in Islamic banks. This paper uses a descriptive qualitative limitations in this paper is focused on the human resources that exist in the Islamic bank. The need for the application of celestial management for human resources in the bank syariahi. The results of this paper that the human resources in Islamic banks is growing, then the need for the application of celestial management for human resources in Islamic banks to create good quality. Because the Islamic bank is an institution whose business is inseparable from the rule of religion or spiritual aspect.</p><p><br /> <strong>Abstrak: </strong>Perbankan syari’ah saat ini telah memiliki payung hukum yang kuat dengan hadirnya undang-undang nomor 21 tahun 2008 tentang perbankan syari’ah.Hal ini sangat berpengaruh terhadap eksistensi dari perbankan syari’ah yang semakin diminati oleh banyak kalangan. Bank syari’ah terus berkembang dan terus membuka layanan kantor di berbagai daerah. Maka dari iru perkembangan bank syariah harus diimbangi dengan sumber daya yang mencukupi dan berkualitas. Tercatat tenaga kerja di bank syariah terus bertambah, dari November 2014 sampai November 2015 mengalami pertumbuhan hingga 23,51%. Tidak hanya dari kuantitas tapi kualitas juga harus diperhatikan, dibutuhkan sebuah konsep celestial manajement yang harus diterapkan bagi sumber daya manusia di bank syariah. Penulisan ini menggunakan jenis deskriptif kualitatif, Batasan dalam tulisan ini difokuskan pada sumber daya manusia yang ada di bank syari’ah. Perlunya penerapan celestial management bagi sumber daya manusia di bank syariahi. Hasil dari tulisan ini bahwa sumber daya manusia di bank syariah mengalami pertumbuhan,kemudian perlunya penerapan celestial management bagi sumber daya manusia di bank syariah untuk menciptakan kualitas yang baik. Karena bank syariah adalah lembaga bisnis yang tidak terlepas dari aturan agama atau aspek spiritual.</p><p><strong> </strong></p>
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Godswill, Osuma, Ikpefan Ailemen, Romanus Osabohien, Ndigwe Chisom, and Nkwodimmah Pascal. "Working capital management and bank performance: empirical research of ten deposit money banks in Nigeria." Banks and Bank Systems 13, no. 2 (June 18, 2018): 49–61. http://dx.doi.org/10.21511/bbs.13(2).2018.05.
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Working capital management is germane for the success of the banking industry in Nigeria, especially the current state of the sector, which is engulfed with the effect of the global decline in oil price that has resulted in non-performing loans, deterioration of the bank asset quality, laying-off of staff amongst others. This is one of the reasons why the profitability of the banking sector deeply depends on the efficient management of a bank’s working capital. Therefore, the objective of this study is to examine how profitability of banks can be enhanced through the working capital management. To empirically carry out the analysis, panel data which consist of ten (10) deposit money banks in Nigeria for seven years (2010–2016) employing the panel fixed effect, panel random effect and the pooled OLS for the two models, which were used as proxies for bank profitability, which includes return on asset (ROA) and return on equity (ROE) to examine the best measure for bank profitability, with the indicators of working capital; net interest income, current ratio, profit after tax, and monetary policy rate. Results of the study showed that working capital management has a significant effect on the profitability of the selected banks and that return on asset is a better measure for bank profitability. Therefore, the study recommends that there should be a periodic review of the minimum capital base of the Nigerian deposit money banks so as to mitigate the effects of inflation and inculcate the consequence of time value of money, because the purchasing power of one (₦1) naira or one ($1) dollar today would not be sufficient to purchase what it can purchase today for tomorrow.
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Dr.M. Kumaraswamy, Dr M. Kumaraswamy, and Jayaprasad D. Jayaprasad. D. "Customer Relationship Management in Kaveri Grameena Bank." Global Journal For Research Analysis 3, no. 2 (June 15, 2012): 29–34. http://dx.doi.org/10.15373/22778160/february2014/11.
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Mahmood, Yazen N., and Zaid S. AL- Hamadany. "The impact of Risk Management on Bank Sector Analytical study on Cihan Bank." International Journal of Research and Engineering 5, no. 4 (April 2018): 339–44. http://dx.doi.org/10.21276/ijre.2018.5.4.1.
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Yashchenko, Kateryna. "Bridge Bank as a bank failure management tool: Ukraine’s case." Visegrad Journal on Human Rights, no. 4 (December 26, 2023): 98–102. http://dx.doi.org/10.61345/1339-7915.2023.4.17.
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The article aims to present an overview of Ukraine’s framework and experience on application of the bridge bank as a bank failure management tool. Ukraine’s regime, which is a single-track regime, allows using a bridge bank to deal with failures of any bank, including small and medium sized banks. System analysis of first and second level acts, as well as available scientific publications served as a methodological basis for the research. It may be concluded that Ukraine’s framework includes two variations of the bridge bank. As a general rule, a bridge bank shall be created for three months and the investor must be found in advance. Such bridge bank has simplified corporate governance and is not subject to mandatory economic standards, currency position limits, the procedure for forming and maintaining required reserves, forming provisions for losses on bank asset transactions and determining the amount of credit risk on all bank asset transactions. For systemically important banks and complex cases as defined in the law, a bridge bank can be created for a period not exceeding one year with a possible extension for up to one year. Such bridge bank may be established in advanced, which shall be considered a banking secrecy. It shall comply with almost corporate governance requirements envisaged for banks and in three months after its establishment must ensure compliance with the requirements capital and liquidity ratios. The law provides for simplified procedure for establishment and licensing of a bridge bank, and the DGF shall be exempt from payment of taxes and other fees in connection with creation of a bridge bank. The authorized capital of the bridge bank shall be formed at the expense of the DGF. Ukraine has two cases of applying a bridge bank tool, and both proved to be efficient.
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Febrianto, Hendra Galuh, and Amalia Indah Fitriana. "MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (August 27, 2020): 139–60. http://dx.doi.org/10.36908/isbank.v6i1.135.
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ABSTRACT
In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank.
The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations.
This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017.
Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness
ABSTRAK
Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut.
Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru.
Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017.
Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank
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Amalia, Shafiera. "Social Capital in Community-Based Waste Bank Management." JURNAL ILMU SOSIAL 18, no. 2 (November 9, 2019): 93–108. http://dx.doi.org/10.14710/jis.18.2.2019.93-108.
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The waste bank is an innovative method to increase knowledge and behaviour to manage household waste. As a collective action at the community level, social capital has a vital role in the management of the waste bank. This study aims to identify and analyse how the level of trust, network, and social norms play a role in creating a sustainable, community-based waste bank management. This research used the qualitative approach and descriptive method. The data collection techniques were carried out using observations, literature studies, and in-depth interviews. The data were analysed using a qualitative-descriptive technique. The study shows that The Lintas Winongo Waste Bank is a community-based waste bank because it was established and managed by community members in RW 11, Bumijo Urban Village, Yogyakarta City. The manager of Lintas Winongo Waste Bank collaborates with several actors to support the management of the waste bank. The Lintas Winongo Waste bank management requires trust between the actors because it is related to the flow of money. The trust between the actors is built through the transparency of the waste bank management process. The network has a role in exchanging information and providing access to various resources required. The strategies to build networking with the actors are communication, shared understanding regarding the purpose of the waste bank, and a shared commitment to support the waste bank management. The social norms are required to maintain the transparency process and trust between the actors. Moreover, the social norm can build awareness of the citizens to manage domestic waste.
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U. Zh. Kurmankozhoeva. "COMMERCIAL BANK ASSET MANAGEMENT IN THE KYRGYZ REPUBLIC." Herald of KSUCTA n a N Isanov, no. 4 (December 16, 2019): 693–97. http://dx.doi.org/10.35803/1694-5298.2019.4.693-697.
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This article discusses the main indicators characterizing the quality of the assets of a commercial bank, analyzes these indicators using the banks of the Kyrgyz Republic as an example. The methods of bank asset management are described. Based on the data of the National Bank, a study is made of the asset structure of commercial banks of the Kyrgyz Republic. A list of regulatory acts governing the management of bank assets is provided.
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Andandaningrum, Della, Indah Marlina Ardianti, Siti Munawarah Panggabean, and Siti Ma'rifah. "Pengelolaan Bank Sampah EMAK.ID Di Kota Bandar Lampung." Organisms: Journal of Biosciences 4, no. 1 (May 31, 2024): 18. http://dx.doi.org/10.24042/organisms.v4i1.21606.
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AbstractThe issue of waste is one of the environmental problems that often draws public attention. Currently, in the city of Bandar Lampung, waste has become a problem that has not been adequately addressed. Waste banks have become a solution for tackling the waste problem. They also serve as a strategy for implementing the 3 R system (reduce, reuse, recycle) in community waste management. The purpose of this research is to understand the management practices and systems of waste banks in improving a clean environment. The subject of this research is Emak.id Waste Bank (Bandar Lampung City). This study is field research using qualitative methods. The data analysis is descriptive, obtained from interviews, observations, and documentation. According to Regulation LKH No.14 of 2021, the waste management system at waste banks includes five indicators. The study results show that the management practices at Emak.id waste bank have implemented all five waste management indicators: (1) Institutional, (2) Capital and Partnerships, (3) Waste Bank Management Performance, (4) Socialization and Promotion, and (5) Waste Bank Facilities. AbstrakPermasalahan sampah adalah salah satu permasalahan lingkungan yang sering menjadi sorotan masyarakat. Di Kota Bandar Lampung pada saat ini sampah menjadi masalah yang belum bisa ditangani dengan baik. Bank sampah menjadi solusi dalam menangani permasalahan sampah. Bank sampah juga menjadi strategi dalam penerapan sistem 3 R (reduce, reuse, recyle) dalam pengelolaan sampah dimasyarakat. Tujuan penelitian ini adalah untuk mengetahui praktik pengelolaan dan sistem pengelolaan bank sampah dalam meningkatkan lingkungan bersih. Subjek penelitian ini adalah Bank Sampah Emak.id (Kota Bandar Lampung). Penelitian ini merupakan penelitian lapangan dengan metode kualitatif. Analisis data secara deskriptif yang diperoleh dari hasil wawancara, observasi, dan dokumentasi. Sistem pengelolaan pada bank sampah berdasarkan Peraturan LKH No.14 Tahun 2021 menjelaskan bahwa terdapat 5 (indikator) sistem pengelolaan sampah pada bank sampah. Hasil kajian menunjukkan bahwa pengelolaan yang dilakukan bank sampah emak.id telah menerapkan kelima indikator pengelolaan bank sampah yaitu: (1) Kelembagaan (2) Permodalan dan Kemitraan (3) Kinerja Pengelolaan Bank Sampah (4) Sosialisasi dan Promosi dan (5) Fasilitas bank sampah.
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POLOVA, Olena, and Hanna BALALAIEVA. "Commitments of commercial bank management." Economics. Finances. Law, no. 11/2 (November 21, 2019): 21–24. http://dx.doi.org/10.37634/efp.2019.11(2).5.
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One of the basic problems of the banking system is the resource providing for the bank activities, and so the question of the resource potential management of the institution is actual today. The article deals with the economic essence and structure of the liabilities of commercial banks. A review of the specific features of banking and bank management defines the goal in the liability management. The dynamics of the resource base of Ukrainian banks. The article deals with the overall analysis of management problems for involved and borrowed resources of banks. Attention is concentrated on factors of banks' resources. Summarizes the main methods of deposit liability management. Considers the features of the borrowed resources management. Defines the main parameters of the resource base formation. Proposed future directions of research in the field of the liabilities management . The purpose of the study is to determine the peculiarities of managing the obligations of commercial banks and improve the methodology of this process. In the course of the study, attention was drawn to the process of forming a commercial bank's resource base, where two main management parameters need to be considered - the value of borrowed and borrowed funds and their volume. The most common source of formation of bank resources is customer deposits. The need to attract non-deposit resources arises in the event of a lack of current liquidity or as a result of an attempt to balance payment flows at subsequent dates. Further research should be directed to substantiate the methods, instruments and instruments of deposit and non-deposit policy, which will provide not only sufficient capital but also a high rating of a banking institution. It is determined that price and non-price management methods are used to provide the desired structure, volume and level of expenses on deposit liabilities. The essence of pricing methods is to use the interest rate on deposits as the main lever in the competition for free cash of individuals and legal entities. Raising the bid offered by the bank makes it possible to attract additional resources.
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Sari, Nurshadrina Kartika, Isti Fadah, and Hari Sukarno. "DETERMINAN STRUKTUR MODAL BANK." EKUITAS (Jurnal Ekonomi dan Keuangan) 17, no. 1 (February 6, 2017): 71. http://dx.doi.org/10.24034/j25485024.y2013.v17.i1.2227.
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Banks are financial institutions how have an important part for the economy of a country. The bank’s main purposes are to collected funds from the public and distributed it back to them in credit loans. The biggest of public trusted to the bank, will make the bigger bank’s liabilities to their funds. This research examines determinants of bank capital structure, including profitability, liquidity, business risk, dividend, management ownership, institutional ownership and bank’s age. The samples in this research are 70 banks in Indonesian period 2006 until 2011, where analyzed with multiple linier regression test with dummy variable to know which of the seven variables are the determinans of the bank capital structures that use DER (Debt to Equity Ratio) to measure it. The result of this research find that determinants of bank capital structures is liquidity, institutional ownership and bank’s age, but profitability, business risk, dividend and management ownership are not the determinants of bank capital structures period 2006 until 2011.
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Choudhary,, Aniket. "BLOOD BANK MANAGEMENT STSTEM." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (May 17, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem34195.
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The Blood Bank Management System (BBMS) is a comprehensive software solution designed to streamline and automate the operations of blood banks and transfusion centers. This system provides a centralized platform for managing blood inventory, donor information, blood testing, and distribution processes, thereby enhancing operational efficiency and ensuring timely access to safe blood products for patients.
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Tchernykh, S. "Risk Management in Banks." Voprosy Ekonomiki, no. 8 (August 20, 2004): 120–27. http://dx.doi.org/10.32609/0042-8736-2004-8-120-127.
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Problems of managing risks of partnership in banks taking into account the new Central Bank of Russia document "On Organization of Internal Control in Credit Organizations and Bank Groups" are considered in the article. It is pointed out that effective bank risk management including risks of partnership сan be realized only under condition of bona fide competition. Functioning of banks in competitive environment is impossible without risks, their monitoring allows to become competitive on the banking services market if various "black lists" and other unsound negative information leading to lowering the level of liquidity of a credit organization are absent. Methods of managing risks of partnership that become all the more complex under the influence of technological innovations (in particular, the development of operations with credit derivatives) are also analyzed.
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Abd. Majid, M. Shabri, Said Musnadi, and Indra Yadi Putra. "A Comparative Analysis of the Quality of Islamic and Conventional Banks’ Asset Management in Indonesia." Gadjah Mada International Journal of Business 16, no. 2 (June 28, 2014): 185. http://dx.doi.org/10.22146/gamaijb.5463.
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This research empirically and comparatively examines the quality of conventional and Islamic banks’ asset management in Indonesia during the period 2009-2011. Four general conventional banks [i.e., Bank Mandiri Indonesia (BMI), Bank Rakyat Indonesia (BRI), Bank Central Asia (BCA), and Bank Nasional Indonesia (BNI)] and four Islamic banks (Bank Muamalat, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, and Bank Syariah BRI) were, respectively, explored. Specifically, the purpose of this study is to compare the quality of the Islamic and conventional banks’ asset management with the CAMEL (capital, asset, management, earning, and liquidity) method. It also attempts to analyse the influences of the ROA (Return on Asset), TLTA (Total Loan to Total Assets), and OITL (Operating Income to Total Liabilities) on the quality of the banks’ asset management. The CAMEL method was used to evaluate the quality level of the banks’ asset management, while the multiple regression analysis was then adopted to explore the determinants of the quality of the banks’ asset management. The study documented that Bank Syariah BRI was the best performing bank, with the highest CAMEL score of 50.33, while Bank Mandiri Indonesia was the worst performer with the lowest CAMEL score of 26.33. As a group, the Islamic banks were found to have better rankings, i.e., positions 1, 2, 3, and 6, while the conventional banks were found in 4, 5, 7, and 8, respectively. The study proved that the Islamic banks have a better asset management quality compared to their conventional counterparts. The Islamic banks were also proved to be better able to withstand the risks, particularly the financing risk.
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Judson, Ruth A., and Elizabeth Klee. "Big bank, small bank: Monetary policy implementation and banks’ reserve management strategies." Journal of Economics and Business 63, no. 4 (July 2011): 306–28. http://dx.doi.org/10.1016/j.jeconbus.2011.01.005.
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Ujah, Nacasius U., Jorge Brusa, and Collins E. Okafor. "The influence of earnings management and bank structure on bank performance." Managerial Finance 43, no. 7 (July 10, 2017): 761–73. http://dx.doi.org/10.1108/mf-12-2015-0329.
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Purpose The purpose of this paper is to examine the influence of bank structure and earnings management on bank performance in international markets. Specifically, the authors empirically examine non-foreign banks in the following emerging countries: Brazil, China, India, Mexico, Nigeria, Russia, and South Africa. Design/methodology/approach A review of loan loss portfolio and bank’s power structure is examined to formulate testable conjectures. The authors used data collected from Bankscope for the aforementioned countries. The data range is from 1997 to 2009. Findings The results suggest that: first, bank market structure and earnings management have a significantly negative influence on bank performance. Second, the negative influence is more pronounced in banks with higher level of concentration and earnings management. Practical implications The evidence suggest that banks with monopoly power have a greater incentive to establish lending relationships, and monopoly enhancing regulation in the financial sector at the time of the Civil War contributed to industrialization in the USA. The evidence in the emerging market suggest that monopoly power (bank structure) and propensity to manage earnings leads to lower bank performance. As such, helping bankers in understanding the effect of their bank structure in relation to their performance. Originality/value To the author’s knowledge, this is the first study that explores the determinants of managed earnings and bank structure on bank performance in emerging markets.
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Sutikno, Sutikno, Muhamad Suhaemi, and Muhammad Irsad Ariffin. "Sharia Bank Credit Management In Entrepreneurship." Jurnal Keuangan dan Perbankan (KEBAN) 2, no. 1 (December 17, 2022): 1–6. http://dx.doi.org/10.30656/jkk.v2i1.5829.
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The provision of credit for entrepreneurs is currently a separate issue for Islamic banks because they have a small market segment. How to manage Islamic bank credit to expand the market for entrepreneurs in accordance with government policies in supporting the current recovery. For this reason, banks need to manage existing credit so that avoid the risk of bad credit that will arise in the future. For credit management for bank entrepreneurs, it should look at the income generated by business actors per year, in addition to the type of business that has a high level of buyer interest, the bank must pay attention to it. can find out the level of credit risk that exists so that it provides behavior to existing entrepreneurs.
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Huynh, Japan. "Earnings Management and Bank Liquidity Creation in an Emerging Market." Malaysian Journal of Economic Studies 60, no. 2 (December 23, 2023): 215–35. http://dx.doi.org/10.22452/mjes.vol60no2.4.
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This paper empirically examines the impact of bank earnings opacity on liquidity creation. Using a sample of commercial banks in Vietnam from 2007 to 2019, we find that more opaque banks tend to reduce liquidity creation growth. We further offer sharp evidence that the impact of earnings management on bank liquidity creation depends on bank-specific characteristics. More precisely, the negative impact of bank earnings management on banks’ core function is stronger for banks that are more poorly capitalised, less liquid, smaller and less profitable. With these findings, our work display implications on the supply-side effect (i.e., the limited access to funding of financially weak banks).
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Blessing Ebere, Chikwem,, Nathaniel Chinedum Nwezeaku, Chris Ejiogu, and Uzoamaka Gloria. "EFFECT OF CREDIT RISK MANAGEMENT ON THE PROFITABILITY OF NIGERIAN BANKS." Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 9, no. 2 (February 22, 2023): 13–25. http://dx.doi.org/10.53555/nnbma.v9i2.1554.
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This study investigated the effect of credit risk management on the profitability of Nigerian banks from 2006-2020. Three banks were sampled (First Bank Nig Plc (FBN), Zenith Bank Plc (ZBN) and First City Monument Bank Plc (FCMB)). The study specifically determined the effect of non-performing loan to total loan ratio (NPR), non-performing loan to total deposit ratio (NDR), capital adequacy ratio (CAR), leverage ratio (LEV) and firm size (FSZ) on profitability of banks measured by Return On Assets (ROA) and Return On Equity (ROE). The study utilized secondary data sourced from annual reports and accounts of the selected banks for the period of the research work. The study employed multiple regression of OLS (Ordinary Least Square) and estimation obtained from E-views version 9 to determine the statistical relationship between credit risk management and profitability of banks in Nigeria. The finding revealed a positive insignificant relationship between NLR and profitability of banks, CAR and FSZ showed a negative insignificant relationship with profitability, LEV revealed a positive significant relationship in only ROE of Zenith Bank and First City Monument Bank while NDR revealed a negative insignificant relationship in First Bank and Zenith Bank only. Based on the above findings, this study recommended that the Central Bank of Nigeria, for policy purposes should frequently assess the lending habit of banks in Nigeria
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Xia, Yingying, and Ziheng Zhang. "The Collapse of Silicon Valley Banks Improves Risk Management for Other Commercial Banks." Advances in Economics, Management and Political Sciences 82, no. 1 (May 21, 2024): 163–72. http://dx.doi.org/10.54254/2754-1169/82/20230978.
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Silicon Valley Bank, a subsidiary of Silicon Valley Bank Financial Group, provides loans to venture capital as well as startups. Silicon Valley Bank primarily serves technology-based companies. Our paper focuses on the implications of the Silicon Valley bank bankruptcy for other commercial banks from four aspects. First, what are the risks in the business operation model of Silicon Valley banks; second, what caused the bankruptcy of Silicon Valley Bank; Third, the impact of the bankruptcy of Silicon Valley Bank; Fourth, the bankruptcy of Silicon Valley Bank has implications for the development of Chinese commercial banks. The main reason for the bankruptcy of Silicon Valley Bank was the Fed's interest rate hike. As a traditional commercial bank, Silicon Valley Bank's profit model is mainly based on interest differential. Affected by the epidemic, the demand for loans from Silicon Valley banks declined, so Silicon Valley banks chose to buy US Treasury bonds and MSBs. The Fed's interest rate hike coupled with a large amount of money printing in the United States has led to inflation. The sharp depreciation of US Treasuries and MSBs, coupled with the end of the mobile Internet cycle, forced Silicon Valley banks to sell a large number of unmatured bonds. Eventually a bank run occurred, leading to the bankruptcy of Silicon Valley Bank.
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Kubakh, Tetiana H., Nadiya А. Dekhtiar, and Vladyslav O. Shenkarenko. "Management of Bank Profit Formation." Business Inform 11, no. 550 (2023): 257–65. http://dx.doi.org/10.32983/2222-4459-2023-11-257-265.
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In the context of martial law and the State budget deficit, the profitability of systemically important banks plays a key role in supporting the national economy as a whole. Changing economic conditions and growing competition in the financial services market impose certain requirements on banks and require them to constantly analyze the external environment and improve their performance. As banks are focused on making a profit, which is the main goal of their activities, management of profit formation is one of the key functions of banks. Thus, given the variability of the external environment, the issue of management of profit formation is relevant and requires research both at the level of individual banks and at the level of the banking system as a whole. The aim of the article is to define the theoretical aspects of bank profit and to conduct a practical study of profit formation of a systemically important market participant - JSC CB «Privatbank». The objectives of the article are to define the concept of «profit» and its components, to conduct an analytical study of the financial results of the banking system and JSC CB "Privatbank", to conduct a correlation and regression analysis of profit and to identify the main directions of its formation. The article applies such research methods and techniques as abstraction, specification, theory development, as well as methods of analysis, evaluation and modeling. The article defines the relevance of this topic, considers theoretical definitions of the concept of "bank profit", its bibliographic component, provides the authors' own definition of the studied concept, analyses financial results and indicators of profitability of the banking system, analyses profit indicators of JSC CB "Privatbank", conducts correlation and regression analysis using the least squares method, and draws conclusions on the analysis of bank profit formation. Further research will help to specify the influence of factors on the formation of profit and identify ways to maximize it in the context of crisis phenomena.
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Wuryandani, Gantiah, Ramlan Ginting, Dudy Iskandar, and Zulkarnain Sitompul. "Fund Management And the Liquidity of The Bank." Buletin Ekonomi Moneter dan Perbankan 16, no. 3 (September 17, 2014): 231–58. http://dx.doi.org/10.21098/bemp.v16i3.446.
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This paper analyzes the liquidity of banks, both precautionary and involuntary liquidity. We apply dynamic panel estimation on individual bank data covering the period of Januari 2002 to November 2011. The result shows that precautionary liquidity is more determined by the operation of the bank. On the other hand, the involuntary liquidity is more affected by the financial system condition. Related to the size, the effect of the financial system condition and the macroeconomy is larger for the small banks. Moreover, the monetary policy in the form minimum reserve requirement affects the precautionary liquidity of the small banks; while the central bank rate is less influential to the bank liquidity. Keywords: Banking, Liquidity, General Method of MomentJEL classification: G21, G11, C33
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Kraugusteeliana, Kraugusteeliana, Anita Muliawati, Sri Mulyantini, Satria Yudha Widjaya, Anwar Nassihin, Nayla Tinneke Kusmawardhani, Della Chintiya Dewi, and Ananda Alvi Al Fadhli. "Waste Bank Management Information System." Journal of Information System, Technology and Engineering 2, no. 1 (March 18, 2024): 175–86. http://dx.doi.org/10.61487/jiste.v2i1.63.
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Waste bank management is becoming increasingly popular to create a clean and comfortable environment. For this reason, it is important to have an Android-based waste bank application as an alternative solution to the waste problem in society. The waste management application also provides education regarding public concern for cleanliness and concern for the environment so that it can create an environment that is clean and free from waste. Management of this waste bank will improve the economy for the community because there is rupiah value obtained from the sale of waste banks in the community. This waste bank application also consists of waste pickup, transaction, and education features. The method used for waste management is to carry out transactions directly, and its use can be displayed using an Android smartphone, since almost all people have a cellphone to carry out waste bank management transactions. This information system application provides economic value to the community because the results from the disposal of sorted waste can be sold into funds or money as savings that can be withdrawn at the end of each month.
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Sutandijo, Sutandijo, and Listya Sugiyarti. "UKURAN BANK, MANAJEMEN LABA, DAN STABILITAS KEUANGAN BANK." SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 5, no. 2 (April 1, 2022): 310–20. http://dx.doi.org/10.37481/sjr.v5i2.466.
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This study aims to empirically test and analyze bank company size and earnings management on bank stability with liquidity, BHC (Bank Holding Company), SOE (State Owned Enterprise), and NEW (de novo bank) as control variables. The population in this study is national commercial banks consisting of private banks and state-owned banks registered with the Financial Services Authority (OJK) for the period 2011-2019. By using purposive sampling method, the number of bank companies that were sampled in this study were 57 bank companies with a total of 855 observations of financial statement data with a period of 28 quarters (9 years). In this study used multiple linear regression analysis techniques and Ordinary Least Square model with data processing using eviews 9 software. The results of this study indicate that simultaneously bank size and earnings management, with control variables namely liquidity, BHC, SOE, and NEW have a significant effect on bank stability. Partially the size of bank and NEW have a negative effect on bank stability, liquidity and SOE affect the stability of the bank positively. Meanwhile, bank earnings management and BHC have no effect on bank stability.
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Aktar, Nahida, and Shah Alam. "A Comparative Study on Operational and Financial Performance of International Finance Investment and Commerce Bank Ltd and Agrani Bank Ltd in Bangladesh." International Multidisciplinary Research Journal 3, no. 2 (June 16, 2021): 53–62. http://dx.doi.org/10.54476/iimrj286.
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Financial and operational managements are considered to be important ways to measure profitability and liquidity of a bank. There is a close relationship between financial performance and operational performance of banks. The study aimed to determine the financial and operational management of International Finance Investment and Commerce Bank Ltd. and Agrani Bank Ltd. The study was prepared on the basis of secondary data collected from published annual reports of the banks, journals and books and so on. The technique of ratio analysis was used in order to find out liquidity and profitability of banks with a view to measuring operational and financial performance of banks covering a five (5) year periods. During analysis of the collected data, a fluctuating result was found out as International Finance Investment and Commerce Bank Ltd. is a Private bank and Agrani Bank Ltd. is a public bank. The management policy to some extent different in case of both of the banks. The study pointed out many limitations considering private and public sectors banks and assess which of the banks is in advantageous position. Lastly, the study outlined some modest possible suggestions for the betterment of financial and operational performance of banks so that the banks can contribute to the nations considerably.
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Donkor-Hyiaman, Kenneth, Esther Narhkwor Terkper, Eric Paul Tudzi, De-Graft Owusu-Manu, and Benjamin Ajabuin. "Corporate real estate management and bank profitability." Journal of Research in Emerging Markets 3, no. 4 (September 17, 2021): 35–47. http://dx.doi.org/10.30585/jrems.v3i4.651.
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Acquiring property for any business is capital intensive and for that matter, strategically managing such assets is considered equally important. This paper provides an analysis of the value-adding attributes of corporate real estate management (CREM) and bank performance in Ghana. The multiple regression method was applied to a cross-section of both primary and secondary data sourced from 25 commercial banks in Ghana. The study shows that the banks identify with the value-adding attributes of corporate real estate asset management even though there are variations in the level of importance to individual banks. These variations are attributable to the unique mandates of the banks. Further analysis shows that CREM has significantly positive impacts on bank profitability by strategies that help to increase innovations, increase productivity, and promote marketing and sales. The finding suggests that optimizing these CREM strategies could help increase bank profits.
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Liff, Roy, and Gunnar Wahlstrom. "Usefulness of enterprise risk management in two banks." Qualitative Research in Accounting & Management 15, no. 1 (April 16, 2018): 124–50. http://dx.doi.org/10.1108/qram-11-2016-0084.
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PurposeThe purpose of this paper is to investigate how the management control system, the bank’s control package, influences opinion about the usefulness of risk measurement (RM) in different control contexts before and after a financial crisis, to understand what influences the usefulness of enterprise risk management (ERM) manifested in RM.Design/methodology/approachThe study is based on semi-structured interviews in 2000-2010, with senior bank managers of two international banks (Bank A and Bank B) – both ranking among the top 100 in the world but differing structurally and culturally.FindingsThe two banks took opposite trajectories. Bank A went from high to low expectations of usefulness; Bank B went from low to high expectations. The different attitudes toward RM exhibited by Bank A and Bank B are explained by differences in their control packages, manifested by technocratic control and socio-ideology.Originality/valueThis study reveals that there are not merely different degrees of RM usage in the two banks but that they also show two diverting trajectories. Given this finding, the significance of the organization structure and its control packages (especially the alignment between these two factors) is analyzed to find a plausible explanation for the different experiences of senior managers toward the usefulness of RM. This study contributes to ERM research and to the contingency theory of management accounting.
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Gong, Bing. "The Application of stressTesting in Bank Risk Management." Frontiers of Engineering and Scientific Research 1, no. 1 (May 29, 2022): 9. http://dx.doi.org/10.56028/fesr.1.1.9.
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In recent years, along with bank management become more and more attention to risk management, bank managers by adopt the method of stress tests for Banks manage risk factors in the process of operation, when the bank there was a risk management system, pressure test system will be automatically, which can identify the risk factors at the same time to remind the bank management. This paper mainly through the risk management system in the stress test technology analysis, mainly from the bank stress test to the bank risk management application, the feasibility and necessity of the existence of stress test and the advantages of stress test analysis.
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Ayam, Justice Ray Achoanya, and Gabriel S. Ahinful. "Risk Management in Rural and Community Banks: The Ghanaian Experience." Case Studies in Business and Management 2, no. 1 (April 15, 2015): 17. http://dx.doi.org/10.5296/csbm.v2i1.7263.
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Despite the significance of effective risk management practices in deepening prudent financial management in Ghana's Rural and Community Banks (RCBs) there appear to be a paucity of empirical studies highlighting the various kinds of risks faced by RCBs. Such studies will enhance RCBs understanding of the extent to which Ghana's RCBs operations are affected by ineffective risk management practices. The purpose of this paper therefore is to examine the extent to which Ghanaian Rural and Community Banks deploy risk management practices in addressing the types of risk affecting their operations using data through a survey involving respondents from Rural and Community Banks and Bank of Ghana/ARB Apex bank. The study uses primary data collected through survey questionnaire from respondents sampled from the RCBs and the Bank of Ghana/ARB/Apex Bank. The research also uses secondary data collected from the ARB/Apex Bank quarterly reports on Rural and Community Banks operations in Ghana. Our empirical findings indicate that credit risk, liquidity risk, operational risk and legal /regulatory risk are the major forms of risk affecting rural and community banks in Ghana. The paper recommends the enforcement of risk management regulations by the ARB Apex Bank and the Bank of Ghana. On the other hand, Rural and community banks should create risk management department and recruit qualified and experience personnel to ensure effective and efficient risk management practices. The research focused on Rural and Community Banks in Ghana and as such the results may not necessarily represent RCBs in other countries.
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Solonina, S. V., and A. A. Labov. "Risk management in a commercial bank." Scientific bulletin of the Southern Institute of Management, no. 2 (June 25, 2020): 75–82. http://dx.doi.org/10.31775/2305-3100-2020-2-75-82.
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The study presents the problems of risk management of a commercial Bank as the most important element in the overall banking management system. The relevance of the study is due to the current economic and political situation in the country, as well as the instability of market conditions, which significantly complicated the risk management system in commercial banks, which contributed to the deterioration of their financial condition. The processes taking place in the global financial market in recent years have a significant impact on the banking system, significantly increasing Bank risks and reducing the financial stability of credit institutions. Differences are highlighted that reflect the priority aspects in assessing the risk management of a commercial Bank from the authors ‘ point of view. Risk management strategies in credit institutions are considered. A comparative analysis of the methodologies used to assess the risks and capital adequacy of commercial banks in Russia and abroad has been carried out, and features of their use have been identified.
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Sang Tang My and Anh Nguyen Quoc. "BANK CAPITAL AND BANK PROFITABILITY OF VIETNAM COMMERCIAL BANKS." International Journal of Business and Society 24, no. 1 (April 7, 2023): 56–65. http://dx.doi.org/10.33736/ijbs.5601.2023.
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The commercial banking system plays an important role in providing capital to businesses and other organizations, so bank capital receives great attention from many different subjects in the economy. This position is even more crucial for Vietnam, a developing country because the corporate bond market is relatively small in comparison to the size of the economy. As a result, commercial bank business efficiency is a problem that requires attention since it has a direct impact on the efficiency with which capital is provided to firms, as well as the market's stability. The research study concerning the effect of bank capital on bank profitability was conducted using data gathered from 22 Vietnam commercial banks from 2011 to 2020, using Pooled OLS, FEM, REM, and GMM methodologies. The results show that bank capital has a negative relationship with profitability. Bank profitability is also positively affected by bank size, credit risk, credit growth, and capital adequacy ratio. This study offers a new understanding of the relationship between bank capital, and bank profitability in Vietnam and proposed implications for Vietnam commercial banks' governance solutions, a country whose financial system depends mainly on banks, has transformed its capital management direction according to Basel 2 guidelines and is preparing for Basel 3 standards.
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Vysotska, I., S. Savina, K. Mazur, M. Nahirna, and I. Dorosh. "JUSTIFICATION OF BANK FINANCIAL SECURITY MANAGEMENT STRATEGY." Financial and credit activity problems of theory and practice 4, no. 39 (September 10, 2021): 58–65. http://dx.doi.org/10.18371/fcaptp.v4i39.238800.
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Abstract. Inconsistency of modern conditions of commercial banks operation pose a threat to their activities and existence. Therefore, the problem of ensuring the financial security of banks is relevant. Ensuring the financial security of the bank should be based on a scientifically sound strategy that involves action on certain functional components of security. It is proposed to use a functional approach to the integrated assessment of the level of financial security of a banking institution, which takes into account four groups of indicators - capital and resource, credit and investment, currency security, as well as the security of bank income and expenses. This approach makes it possible to quantify the impact of each group of indicators on the level of financial security of a banking institution. An integrated assessment of the key components of the bank’s integrated financial security indicator revealed that the four surveyed banks are characterized by a sufficient level of financial security. The results of the integrated indicator of financial security of the bank should be used in developing a strategy for ensuring the financial security of the bank. The article proposes and substantiates the theoretical and methodological foundations of the strategy for ensuring the financial security of the bank. It is substantiated that to achieve a certain level of financial security of the bank it is advisable to use the GAP-method. It is proved that the application of this method will allow to single out only those components that have the greatest impact on the level of bank security and which need to be influenced. It is established that the strategy of ensuring the financial security of a banking institution should be aimed at bridging the gaps in key indicators. The methodology of game theory was used to establish the expediency of overcoming strategic gaps. It is proved that the application of the chosen methods of strategic planning will allow to quickly identify the causes of deviations from the safe level of the bank and justify the feasibility of influencing certain factors. Keywords: financial security of the bank, financial security strategy, GAP-method, integrated indicator of financial security of the bank. JEL Classification G 21, O 16 Formulas: 4; fig.: 0; tabl.: 5; bibl.: 17.
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Prasad, K. Rama, and B. Ramachandra Reddy. "Management of Non-Performing Assets in Andhra Bank." Indian Journal of Applied Research 2, no. 2 (October 1, 2011): 13–15. http://dx.doi.org/10.15373/2249555x/nov2012/5.
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Shah, Dr Ghanshyam Prasad. "Human Resources Management Practices in Nepalese Commercial Bank." International Journal of Research Publication and Reviews 5, no. 4 (April 11, 2024): 4677–83. http://dx.doi.org/10.55248/gengpi.5.0424.1045.
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Rahma Dewi, Wulan. "Management of Risk Management on Banking Financial Performance." Jurnal Keuangan dan Perbankan (KEBAN) 1, no. 1 (November 4, 2021): 52–64. http://dx.doi.org/10.30656/jkk.v1i1.3999.
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Risk management is very important for companies. The purpose of this study is to examine and analyze the impact of credit risk, market risk, operating efficiency, capital, and liquidity on bank financial performance. This research uses a quantitative research design. The data used in this study is based on private banks listed on the Indonesia Stock Exchange (IDX) for the next three years. The type of data is secondary data. Technical analysis using multiple linear regression. The results show that market risk and operating efficiency have a significant effect on the financial performance of the bank. Meanwhile, credit risk, capital, and liquidity have no significant effect on the bank's financial performance
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Kolesnik, Ya V. "The Effectiveness of Strategic Management of Banking: Statistical Assessment." Statistics of Ukraine 88, no. 1 (May 1, 2020): 51–58. http://dx.doi.org/10.31767/su.1(88)2020.01.06.
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The analysis in focused on the factors and tendencies at the bank services market, determining the importance and necessity of investigating the issues related with performance enhancement of commercial banks. It reveals that an underlying condition for building a well-established and effective domestic bank system is orientation on satisfying the needs of the real economy and the population in bank products and services of high quality. A study of issues related with practical implementation of the mechanism for performance enhancement of commercial banks in Ukraine becomes necessary in view of the integration of the Ukrainian financial system in the global community in the conditions of the saturated market of financial services, the increasing level of consumer demands and requirements to bank products, the strengthening competition in the bank sector, and the coming of big Western banks with high standards of services to the domestic market. All the factors with impact on the commercial bank performance should be taken into account in elaborating tools, processes and actions embedded in the mechanism for performance enhancement of banking. The main phases of strategic management are highlighted. A comparative analysis of the main strategies of the commercial banks operating on the financial market of Ukraine is made. The dynamics of indicators measuring the structure of the banks’ resource base is analyzed. The phases of strategic management of the commercial bank operation and ways of improving the performance enhancement mechanism based on client orientation are discussed. The core tendencies and dynamics of interest rates on loans are analyzed. It is emphasized that the domestic bank market is characterized by low quality and concentration of assets. The inevitable process of market consolidation will widen the opportunities for larger market agents, on the one hand, and increase the competition, on the other hand, which will have favorable effects for quality parameters of the bank system as a whole.
Results of the analysis of the current performance of the bank sector in Ukraine enabled the author to highlight main tendencies with impact on the commercial bank performance. The financial results of the bank’s operation and its capabilities to increase investment in the domestic economy and widen the range of services to clients are largely conditional on ways, terms and costs of raised funds, and on the size of bank’s own assets and the structure of bank’s resources.
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Fitri, Fitriyana, Komala Adriyani, and Catur Ragil Sutrisno. "PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH." MALIA: Journal of Islamic Banking and Finance 2, no. 1 (June 1, 2018): 31. http://dx.doi.org/10.21043/malia.v2i1.4758.
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This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CAR) have a significant effect on profit distribution management (PDM).
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Saiful, Saiful. "Contingency Factors, Risk Management, and Performance of Indonesian Banks." Asian Journal of Finance & Accounting 9, no. 1 (January 31, 2017): 35. http://dx.doi.org/10.5296/ajfa.v9i1.10372.
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The purpose of this study is to examine the effect of enterprise risk management (ERM) and credit risk management (CMR) on Indonesian bank performance. This study also investigates the moderating role of bank contingency factors on those impacts. By exploring purposive sampling method, 24 Indonesian public listed Banks were selected as the sample of this study for four years observations.This study found ERM and CRM positively influence on Indonesian bank performance. This study also reported that the influencing of ERM on Bank performance will be stronger for large bank and the bank which operate in higher environmental uncertainty, higher complexity, and lower independent board monitoring. In contrast this study provide an empirical evidence on strangtern CRM-bank performance relationship will be exist for small bank and the bank which operate in lower environmental uncertainty, lower complexity, and higher independent board monitoring.
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Malla, Buddhi Kumar. "Credit Portfolio Management in Nepalese Commercial Banks." Journal of Nepalese Business Studies 10, no. 1 (February 5, 2018): 101–9. http://dx.doi.org/10.3126/jnbs.v10i1.19138.
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Credit portfolio management is a key function for banks (and other financial institutions, including insurers and institutional investors) with large, multifaceted portfolios of credit, often including illiquid loans (Nario, Pfister, Poppensieker & Stegemann, 2016). After global financial crisis of 2007-2008, the credit portfolio management function has become most crucial functions of the bank and financial institutions. The Basel III, third installment of Basel accord was developed after crisis to strengthen bank capital requirements by increasing bank liquidity and decreasing bank leverage that encourages banks to measure credit risk of bank's portfolios. The Basel committee also raises an issue concerning the application of the risk weights used in the capital adequacy framework to determine exposure to risk assets for the purpose of determining large credit exposure (Morris, 2001).The portfolio management of the Nepalese banking sector has been improved remarkably during last 10 years due to the strict regulation of Nepal Rastra Bank. This journal will try to describe the present credit portfolio management practice of Nepalese commercial banks by using qualitative and quantitative methods. In this study, concentration of banks for credit portfolio management has been studied by analyzing security wise loan, product wise loan and sector wise concentration of loan where the researcher has found assorted outcomes. This research also aims to provide some suggestions to overcome with problems associated with credit portfolio.The Journal of Nepalese Business Studies Vol. X No. 1 December 2017, Page: 101-109
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Смолякова, Н. В. "Improvement of the bank asset management process." Экономика и предпринимательство, no. 2(127) (April 11, 2021): 1444–47. http://dx.doi.org/10.34925/eip.2021.127.2.294.
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В статье рассмотрены методические аспекты управления активами кредитной организации, предложены мероприятия по совершенствованию процесса управления банковскими активами. Определены основные факторы, влияющие на эффективность управления активами коммерческого банка. В результате проведенного анализа основных показателей деятельности российских банков обоснована необходимость повышения эффективности финансового менеджмента кредитной организации на основе комплексного применения инструментов процессного управления банковскими активами. The article discusses the methodological aspects of bank asset management, proposes measures to improve the process of bank asset management. The main factors that affect the efficiency of bank asset management are defined. As a result of the analysis of the main performance indicators of Russian banks, the necessity of improving the efficiency of bank financial management based on the comprehensive application of tools for process management of bank assets is substantiated.
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Abdallah Saleh, Besan, and Veronica Paz. "Credit risk management and profitability: Evidence from Palestinian banks." Banks and Bank Systems 18, no. 3 (August 8, 2023): 25–34. http://dx.doi.org/10.21511/bbs.18(3).2023.03.
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Credit risk has gained considerable attention in most countries of the world intending to manage the efficiency of credit portfolios. This study attempts to examine the impact of credit risk management on bank profitability. The local Bank of Palestine provided secondary data over a ten-year period (2010–2020) collected from financial annual reports. The statistical analysis is carried out using the SPSS and E-views software, and the study hypotheses are verified using descriptive statistics, multicollinearity tests, and regression. Palestinian banks’ profitability was evaluated using return on assets, along with bank-specific metrics such as capital adequacy ratio (CAR), loan-to-deposit ratio (LDR), non-performing loans (NPLs), loan loss provision ratio (LLPR), bank size, and bank age, as signs of credit risk management. The study’s findings indicate that there are differences in how credit risk management affects bank profitability in the context of Palestine. CAR NPLs have a positive but insignificant effect on profitability using ROA. The regression found a significant positive effect of LLPR on profitability using ROA. Finally, with respect to LDR as an indicator of credit risk management, the regression found its negative but insignificant effect on profitability using ROA. The results demonstrate how the board’s structure influences the performance of a company, which is regarded important knowledge for decision makers.
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Budhijono, Fongnawati. "Main Effects and Interaction Effects of Bank Ownership Types and Bank Core Capital Category to the Bank NPL Performance." International Journal of Business Studies 5, no. 1 (February 16, 2021): 39–50. http://dx.doi.org/10.32924/ijbs.v5i1.164.
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Credit management capability is seen as a crucial aspect for banks sustainability. The variable that is directly related to bank credit risk is a non-performing loan (NPL) which is commonly used to assess the asset quality of a bank. The purpose of this research is to analyze main effects and interaction effects of bank ownership types and bank core capital category (BUKU) to the bank NPL performance. The study was conducted using secondary data obtained from bank quarterly reports from the Financial Services Authority (OJK) through the website ojk.go.id, bank financial reports, and infobank magazine. Bank’s performance in the classification of bank ownership types and bank core capital category were evaluated with respect to bank’s NPL which in this case is used as indicator of the bank’s performance. Tests were performed using TWO WAY ANOVA and Post Hoc Test. The findings of this study found that the main effect type of bank ownership had a significant effect on the performance of NPL management, the main effect of banks’ BUKU had no significant effect on the performance of NPL management and the interaction effect of bank type and banks’ BUKU had a significant effect on the performance of NPL management.
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Abrar, Naufal Syahli, Rayinda Faizah, Lulu Khalilah Wardaningtyas, Amelia Anggraeni, Janih Lailatirrohmah, Dalila Sofia, Dorotea Arsita Safitri Nurantyo, Disha Wanda Arsika, and Royan Desta Ramadhan. "Banjarejo digital waste house as an effort to manage waste to create a clean environment." Community Empowerment 8, no. 1 (January 30, 2023): 76–80. http://dx.doi.org/10.31603/ce.8120.
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Banjarejo Village has piles of unorganized waste, so innovation is needed in waste management through waste banks. The innovation provided is the website rsdbanjarejo.com which can monitor the efficiency of waste management carried out by waste banks. In addition, local villagers can exchange waste for groceries or cash it into savings. The activities started with socializing the waste bank, raising commitment, forming a new waste bank management, presenting material about the waste bank, and website training. This activity succeeded in providing convenience for the community in waste management through a waste bank. All activities are recorded in the system so as to support the transparency of waste bank management.
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Chen, Jiongyong, and Li Ma. "Bank Credit Risk Avoidance and Countermeasures Based on Wireless Communication." Scientific Programming 2022 (March 17, 2022): 1–7. http://dx.doi.org/10.1155/2022/7793088.
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Credit risk management refers to the main operating risks faced by banks, and its effective management is directly related to the bank’s operating performance. The main link of the credit risk management system is the measurement of bank credit risk, and this connection will run through the entire process of the bank’s credit risk management system. The measurement results directly affect the actual operation of the bank and therefore also affect risk management and business management. This article aims to study bank credit risk management in the context of wireless communication and big data. Based on the analysis of the characteristics of credit risk, the theory of credit risk and information asymmetry, and the credit risk measurement model, Bank S is taken as an example to construct Bank S’s credit risk influencing factor model. Finally, the bank is compared with three banks.
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Yohana, Adela, and Vanica Serly. "Apakah Manajemen Laba di Bank Syariah Berbeda dengan Bank Konvensional?" Wahana Riset Akuntansi 8, no. 2 (December 22, 2020): 147. http://dx.doi.org/10.24036/wra.v8i2.111283.
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This research is in the form of quantitative correlation. The correlation method is a research method with the aim of describing two or more facts and also the properties of the object being studied. This study aims to determine the differences in earnings management in Islamic banks with earnings management in conventional banks registered with the Financial Services Authority from 2015-2019. The data used in this study are the annual reports of Islamic banks and conventional banks registered with the Financial Services Authority for the period 2015-2019. The data sampling method uses purposive sampling method based on certain criteria. Based on the criteria used, the researcher obtained a sample of 34 banks. Testing the hypothesis in this study using multiple regression analysis and coupled with a different test (independent sample t-test). The results showed that there is a difference between earnings management in Islamic banks and conventional banks. Earnings management in Islamic banks is lower than conventional banks. Keywords: Conventional bank, Islamic bank, Earnings management.
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Kolesnik, Ya V. "Advanced Methods of Bank Risk Management." Statistics of Ukraine 92, no. 2 (June 16, 2021): 39–45. http://dx.doi.org/10.31767/su.2(93)2021.02.04.
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Main approaches to building up a system for management of financial risks faced by banks are discussed. It is shown that risk management in banking is a complex process aimed at identification of risk sources, assessment and minimization of the effects of the identified risks, in order to reduce their adverse impact on the commercial bank performance. The main objective of banks is defined as maintaining the constant balance between the needs in resources and the capabilities of their acquisition. The importance and necessity of measurement and quantification of the level of specific types of risk and/or the cumulative risk is highlighted. Special emphasis is made on the credit risk caused by the probability of bank counterparties’ failure to fulfill their obligations. Its usual consequence is failure to repay (fully or partially) the debt principal and the interests in terms specified by the contract. It is shown that the level of credit risk in a country is conditional on macro- and microeconomic factors, with highlighting their effects. It is demonstrated that the adverse impact of inflation is the most explicit one, as it provokes devaluation of bank assets which major share is funds and financial investment. Functional risks are caused by subjective and objective factors, and by system failures, and they cover strategic risks related with mistakes in strategic management. Financial risks can trigger unpredictable change in the amount, profitability and structure of bank assets and liabilities. The liquidity risk can occur when a bank has insufficient or surplus liquidity. The insufficient liquidity can provoke bank insolvency. The inflation risk has ambiguous effects for bank operation.
The successful risk management is a critically important condition for competitiveness and reliability of any financial organization; its objective is to identify and prevent potential adverse events, and to find the tools for minimization of their effects as part of the elaborated methodology of management. Further research devoted to problems of risks faced by the Ukrainian banking system and economic analysis of specific risks will help outline the ways of cost reduction in the banking sector and constantly extend the range of bank services.
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Amidu, Mohammed, and Ransome Kuipo. "Earnings management, funding and diversification strategies of banks in Africa." Accounting Research Journal 28, no. 2 (September 7, 2015): 172–94. http://dx.doi.org/10.1108/arj-07-2013-0045.
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Purpose – This paper aims to investigate the implications of earnings management for funding and diversification strategy within the context of developing and emerging economies. Design/methodology/approach – The authors raise two issues pertinent to bank earnings management: first, whether there is evidence of earnings management of banks in the selected African countries; and second, what must have accounted for the banks to engage in such practices? Findings – The results show that almost all the 330 banks in the 29 African countries sampled are found to have engaged in some management of their earnings during the period 2002-2009. The authors also find evidence that bank activity mix and funding modes explain bank earnings quality. Overall results indicate that the sensitivity of earnings management to revenue diversification across interest income decreases, as bank market shares increases. Originality/value – The authors investigate how earnings management is affected by banks intermediation strategies.