Artykuły w czasopismach na temat „Banks”
Kliknij ten link, aby zobaczyć inne rodzaje publikacji na ten temat: Banks.
Utwórz poprawne odniesienie w stylach APA, MLA, Chicago, Harvard i wielu innych
Sprawdź 50 najlepszych artykułów w czasopismach naukowych na temat „Banks”.
Przycisk „Dodaj do bibliografii” jest dostępny obok każdej pracy w bibliografii. Użyj go – a my automatycznie utworzymy odniesienie bibliograficzne do wybranej pracy w stylu cytowania, którego potrzebujesz: APA, MLA, Harvard, Chicago, Vancouver itp.
Możesz również pobrać pełny tekst publikacji naukowej w formacie „.pdf” i przeczytać adnotację do pracy online, jeśli odpowiednie parametry są dostępne w metadanych.
Przeglądaj artykuły w czasopismach z różnych dziedzin i twórz odpowiednie bibliografie.
1
Alzoubi, Tariq. "Determinants of bank profitability: Islamic versus conventional banks". Banks and Bank Systems 13, nr 3 (12.09.2018): 106–13. http://dx.doi.org/10.21511/bbs.13(3).2018.10.
Pełny tekst źródłaStreszczenie:
This research analyzes the determinants of bank profitability by investigating the internal factors that affect the profitability of Islamic banks and conventional banks. It then compares the results from the two types in order to understand how they differ from each other. As previous researchers focus on either Islamic or conventional banks, this research will analyze both by comparing how they are each influenced by profitability factors. Few researches have attempted to compare the profitability of Islamic and conventional banks using a relatively small sample. This research uses a fixed effect panel data analysis on a large sample of 68 banks (42 Islamic and 26 conventional banks) from 13 MENA countries, covering the period of 2006 until 2016. Using several variables, including bank size, equities to assets, loans to assets, deposits to assets, cash to assets and securities to assets, the results show that bank size, equities to assets and deposits to assets have a significant positive effect on Islamic banks’ profitability, while they have a significant negative effect on conventional banks’ profitability; loans to assets and cash to assets have no effect on bank profitability for either Islamic or conventional banks; and securities to assets has a significant negative effect on Islamic banks’ profitability, while it has a significant positive effect on conventional banks’ profitability. The results also show that bank size, equities to assets, deposits to assets and cash to assets contribute more to Islamic banks’ profitability compared to conventional banks, while loans to assets and securities to assets contribute more to conventional banks’ profitability compared to Islamic banks.
2
Vnukova, Nataliya, Inna Pleskun, Sergey Sokol i Oleksandr Yaholnytskyi. "Assessment of Banks Activities on Risk Control of Clients in the Financial Monitoring System". Accounting and Finance, nr 2(92) (2021): 44–50. http://dx.doi.org/10.33146/2307-9878-2021-2(92)-44-50.
Pełny tekst źródłaStreszczenie:
Current legislation requires banks to continuously monitor all financial transactions of their customers – both legal entities and individuals. However, despite penalties, in the form of multimillion fines and written warnings most Ukrainian banks do not meet the requirements of the National Bank of Ukraine for development, approval and implementation of internal documents on financial monitoring. The purpose of the article is to summarize the practical experience of the banks in compliance with the policy of risk control of the bank's clients in the financial monitoring system. The sample of this study is 75 Ukrainian banks. The internal documents of existing Ukrainian banks on issues of internal bank financial monitoring were analyzed. The components of the risk control policy of the bank's clients were selected and the information on the completeness of the risk control policy of the bank's clients in the existing banks of Ukraine was summarized. The completeness of the risk-control policy of the bank's clients is determined at thefollowing stages: grouping of components of the risk-control policy of the bank's clients; clustering of Ukrainian banks according to the level of completeness of the bank's clients risk control policy. The method of cluster analysis identified groups of banks for the level of full risk-control of their clients. The four clusters with certain asymmetric distributions in their banks were identified. According to the results of generalization of practical experience of banks in compliance with the risk control policy of the bank's clients in the financial monitoring system, namely internal documents of existing banks on internal financial monitoring, it was found that some banks did not have actually developed internal policies or rules on compliance with the requirements of risk control legislation in the field of financial monitoring.
3
Lukić, Radojko. "Analysis of financial performance and efficiency of banks in Serbia using fuzzy LMAW and MARCOS methods". Bankarstvo 51, nr 3-4 (2022): 130–69. http://dx.doi.org/10.5937/bankarstvo2204130l.
Pełny tekst źródłaStreszczenie:
Researching bank efficiency factors is very challenging. Bearing that in mind, this paper analyzes the financial performance and efficiency of banks in Serbia based on the fuzzy LMAWMARCOS method. The obtained empirical results show that the top five banks are, in order: Banca Intesa, OTP Banka Srbija, Komercijalna banka, Mobi Banka and NLB banka. Badly positioned banks include, in order: MIRABANK, API banka, Srpska banka, 3 BANKA and Addiko Bank. Among other things, the efficiency of banks in Serbia was significantly affected by the Covid-19 pandemic. In order to improve the financial performance and efficiency of banks in Serbia in the future, it is necessary to manage resources (human capital, assets and capital), sales of banking products and profits as efficiently as possible. The digitization of the entire banking business also plays a significant role in this.
4
Chiou, Jer-Shiou, Bor-Yi Huang, Pei-Shan Wu i Chun-Ni Tsai. "THE IMPACTS OF DIVERSIFIED OPERATIONS ON LENDING OF FINANCIAL INSTITUTION". Journal of Business Economics and Management 13, nr 4 (17.09.2012): 587–99. http://dx.doi.org/10.3846/16111699.2011.620158.
Pełny tekst źródłaStreszczenie:
This study explores the impacts of bank's diversified operations on their loans, the threshold effect of bank's derivatives trading and the impacts on their financial behaviors are investigated. The results show that there are two separate regime effects for banks in large-sized and medium-sized, and three regime effects for banks in small to medium-sized. Derivatives trading not only make banks easier to diversify their credit risk exposure, but also alter their lending behaviors. As an example of large banks, when banks derivatives’ trading is more than US$61 billion, an increase in banks assets will associate with a corresponding increase in loans to SMEs. If trading in derivatives by the banks is less than the threshold value, the banks will make loans less available to SMEs when there is an increase in banks assets. In addition, when banks are less aggressive in derivatives trading, debt ratio, pre-tax earnings and the SME credit guarantee balance all have significantly positive associations with loans to SMEs.
5
Simonović, Dragoljub, Stefan Milojević, Marko Milašinović i Mlađan Dimitrijević. "Analysis of the efficiency of banks in Serbia and Montenegro using the DEA method". International Review, nr 3-4 (2023): 184–94. http://dx.doi.org/10.5937/intrev2304181s.
Pełny tekst źródłaStreszczenie:
The banking sector of a country plays a crucial role in the overall economy of a nation. The efficiency of banks is a critical factor in assessing their financial performance and competitiveness. The aim of this paper is to measure the relative efficiency of the commercial banks in Serbia and Montenegro by using the non-parametric methodology Data Envelopment Analysis (DEA). The efficiency of banks will be measured using DEA for two models with different input and output variables. The sample consists of banks from Serbia (21) and banks from Montenegro (11) for the period 2017-2022. According to the obtained results, there are four banks that are relatively efficient every year, two from Serbia and two from Montenegro (AIK banka and 3M banka according to the first model and Crnogorska komercijalna banka and Hipotekarna banka according to the second model). The findings from the paper are valuable for further use by regulators, policy makers and bank management who are expected to identify a sustainable business strategy in line with the company's capabilities.
6
Vaškelaitis, Vytautas. "Nepriklausomas centrinis bankas". Teisė 72 (1.01.2009): 198–208. http://dx.doi.org/10.15388/teise.2009.0.275.
Pełny tekst źródłaStreszczenie:
Straipsnyje analizuojama centrinio banko nepriklausomumo problema istoriniu, teoriniu ir taikomuoju požiūriais. Iškeliami nepriklausomumo argumentai, atskleidžiama jo esmė, apibrėžiamos nepriklausomumo ribos, aptariamas veiklos skaidrumas. Prieinama prie išvados, kad centrinis bankas turėtų būti nepriklausomas nuo vyriausybės, kartu jo veiklą derinant su įstatymų leidžiamuoju ir vykdomuoju valstybės institutais. Tyrimo kontekste nagrinėjami pokyčiai, susiję su Europos ekonominės ir pinigų sąjungos susikūrimu, nepriklausomumo dimensija Europos centrinių bankų sistemos formate. Nustatoma, kad šiomis sąlygomis kai kuriose srityse nacionaliniai centriniai bankai turi savarankiškumą, kitose – Europos centrinis bankas naudojasi nacionalinių centrinių bankų paslaugomis, be to, Europos centrinis bankas veikia visiškai savarankiškai. The article analyzes the problem of central bank independence a historical, theoretical, and practice terms. The independence of the arguments raised, disclosed in its essence, defines the limits of independence, the transparency of the operation in question. Accessible to the conclusion that the central bank should be independent from the government, while its activity in combination with the legislative and executive state institutions. The study examined the context of changes in European economic and monetary union within the independence dimension of the European System of Central Banks in format. Determined that under these conditions in some areas of the national central banks have independence, the other – the European Central Bank uses the services of national central banks, in addition to another – the European Central Bank is fully independent.
7
Barat, Somjit. "Importance of Customer Satisfaction in a Community Bank". International Journal of Innovation in the Digital Economy 7, nr 4 (październik 2016): 56–73. http://dx.doi.org/10.4018/ijide.2016100104.
Pełny tekst źródłaStreszczenie:
It is sometimes argued that bigger is better. However, that is not always the case. Smaller, community banks are the lifeline of the towns that span the country. Community banks, where a customer is considered a ‘human being', understand their local target market better than their larger counterparts, where the customer is just a ‘number'. Moreover, the image of the larger banks has been considerably tarnished because of the recent economic downturn. This research can also help community banks compete with larger banks in niche service areas. In order to investigate whether the bank's customers 1) were satisfied with the bank's products and with the image of the bank 2) felt welcome and 3) had any concerns about the bank's (financial) position during difficult economic times, the author found that customer responses are mixed on these issues. Interesting implications and ideas for further research also emanate from the current study.
8
Ahmad, Shahrizan Adzham, i Al-Hasan Al-Aidaros. "CUSTOMER AWARENESS AND SATISFACTION OF LOCAL ISLAMIC BANKS IN MALAYSIA". International Journal of Islamic Business 2, nr 2 (31.12.2017): 18–37. http://dx.doi.org/10.32890/ijib2017.3.2.2.
Pełny tekst źródłaStreszczenie:
This article explores the awareness and satisfaction of Islamic bank customers in Malaysia with respect to the banks’ marketing practices and effectiveness which differentiate them from conventional banks. It explores the satisfaction of customers of Islamic banks through the customers’ perception of the quality of the banks’ products and services. This study was conducted in response to pessimistic feedbacks about Islamic banks’ business operations which are not only required to comply with conventional business laws, but also need to give up any business prospects that are against with Shariah (Islamic law). Thus, it is argued that the marketing and advertising strategies of Islamic Banks face restricting guidelines which makes competition with their conventional counterparts (conventional banks) harder. Nevertheless, Islamic banks are strengthening their position by creating greater acceptance of their products among Muslims and Non-Muslims. Based on the descriptive analysis conducted using the data collected from a questionnaire survey of 400 respondents, this study found that a majority of the respondents are already customers of Islamic banks but they are not fully conversant with the principles of Islamic banking. The findings suggest that Islamic banks have to pay greater attention to measuring their marketing effectiveness and customer satisfaction so as to remain relevant in the marketplace.
9
Uddin Ahmed, Sarwar, Samiul Parvez Ahmed i Ikramul Hasan. "Why banks should consider ESG risk factors in bank lending?" Banks and Bank Systems 13, nr 3 (10.08.2018): 71–80. http://dx.doi.org/10.21511/bbs.13(3).2018.07.
Pełny tekst źródłaStreszczenie:
Why banks should be concerned about incorporating environmental, social and governance (ESG) criteria in the lending process? What is the motivation? This study aims to find the motives for considering environmental, social and governance (ESG) criteria in bank lending process. A primary survey has been conducted to know the current status and motivation for incorporating ESG factors in investment decisions. Sample comprised 30 private commercial banks (PCBs) operating in Bangladesh. Data collected were analyzed with graphs, descriptive statistics, and regression analysis. Findings of the study indicate that banks are mostly considering basic environmental, social and governance factors set by regulators qualitatively. They are lagging behind in considering the advanced ESG criteria needed for sustainable and efficient credit risk management. Based on motivation for incorporating ESG factors, it was found that banks pioneering in incorporating ESG factors in lending decisions are compensated through better financial performance. Findings of the study are expected to encourage practitioners and policy-makers to take more pragmatic steps to incorporate ESG risk factors quantitatively in lending decision-making process.
10
Fauji, Aa Ahmad. "Kinerja Bank Syariah Pada Masa Pandemi Covid-19 Menggunakan Metode RGEC". Eqien - Jurnal Ekonomi dan Bisnis 12, nr 04 (4.12.2023): 451–61. http://dx.doi.org/10.34308/eqien.v12i04.1644.
Pełny tekst źródłaStreszczenie:
This research was conducted to determine the performance of Islamic banks during the Covid-19 pandemic. This research method is descriptive with a quantitative approach. The data were obtained from the financial reports and Good Corporate Governance reports of 5 Islamic commercial banks that were sampled. The results showed that the performance of Islamic banks during the Covid-19 pandemic was seen from the Risk Profile with the NPF ratio the bank's performance was in good condition, while based on the FDR ratio the bank's performance was in quite good condition, on the Good Corporate Governance factor the bank's performance received a good predicate. The Earnings factor with the ROA ratio indicates that the bank's performance is in fairly good condition, based on the ROE ratio it indicates the bank's performance is in poor condition, while the assessment with the NOM ratio indicates the bank's performance is in very poor condition. Assessment using CAR shows that the performance of all Islamic banks is in the very good category
11
Huang, Yu-Ting, i Jean Yu . "Financial Determinants of Bank Performance in Taiwan". Journal of Economics and Behavioral Studies 4, nr 12 (15.12.2012): 691–702. http://dx.doi.org/10.22610/jebs.v4i12.369.
Pełny tekst źródłaStreszczenie:
As the consolidation of financial institutions is one of the highlights in recent financial territory, we examine whether banks being subordinated under the financial holding company (FHCs) outperform to independent banks in Taiwan, covering 15 FHCs banks and 18 independent banks in our sample for the period from 2005 to 2010. Using the CAMEL approach, we also investigate empirically further the financial determinants of banks’ performance regarding FHCs banks and independent banks respectively, and examine whether the financial determinants of banks’ performance differ before and after the financial crisis. Results show that ROA is strongly related to certain CAMEL ratios, such as the total capital ratio, loan loss reserve/gross loans, the burden ratio, and net interest income divided by total assets. Moreover, the positive significant capital adequacy ratio in the post-crisis period in our sample is mainly driven by subordinated banks. Finally, asset quality factor has explaining power for the pre-crisis and post-crisis periods, meaning prevention safety net built predominantly in refraining from external shocks.
12
Rai, Arun Kumar, Kumari Preeti Yadav, Altaf Mallik i Piyush Gupta. "Impacts of bank mergers on shareholder's wealth". International Journal of Accounting, Business and Finance 1, nr 1 (1.01.2022): 8–14. http://dx.doi.org/10.55429/ijabf.v1i1.16.
Pełny tekst źródłaStreszczenie:
We examine the effect of the news about merger of six banks into four major banks, employing the standard event study method with the market model on a sample of four bidders and six target banks. We find significant impact of merger announcement on the bidder and target banks. While the bidder banks are negatively impacted, the target banks experience positive impacts on the event day and day after, followed by negative results later on. No previous study is found to have addressed this question on how the merger announcements impact the bidder and target bank's stock returns in India.
13
Sahiti, Arbana, Sevdie Alshiqi, Inna Neskorodieva, Arben Sahiti i Xhelil Bekteshi. "Managing Credit Risk Strategies for Commercial Banks: The Case of Kosovo". Journal of Eastern European and Central Asian Research (JEECAR) 9, nr 2 (28.03.2022): 309–18. http://dx.doi.org/10.15549/jeecar.v9i2.847.
Pełny tekst źródłaStreszczenie:
The study aims to substantiate effective strategies to manage credit risks in commercial banks, for example, Kosovo. Based on the annual financial statements of commercial banks in Kosovo for 2010-2020. We built polynomial regression models to assess the impact of credit risk on the bank's financial stability. Empirically, determined and argued the different nature of the credit risks influencing the bank's financial stability according to various on the assets size of commercial banks. Preventive and reactive scenarios for minimizing the negative impact of credit risk on the financial stability of commercial banks in Kosovo have been determined using the constructed regression models. The results obtained are of practical importance and can help develop effective strategies for managing the financial risks in commercial banks in times of crisis and building up financial stability in stable conditions.
14
Guo, Zhen. "State-Owned Banks Risk Management Research". Advanced Materials Research 1044-1045 (październik 2014): 1785–88. http://dx.doi.org/10.4028/www.scientific.net/amr.1044-1045.1785.
Pełny tekst źródłaStreszczenie:
This paper mainly studies the concept of state-owned bank's risk and risk management, the state-owned Banks' risk types and western state-owned banks risk management theory. Through the observation of the state-owned Banks risk management status qua in our country at present stage analysis, find out the problems that exist in the state-owned Banks' risk management at the present stage in China and the insufficiency, in the understanding of problems gradually put forward the corresponding improvement to our country state-owned Banks' risk management methods and countermeasures.
15
Mokhevishvili Tamar, Mokhevishvili Tamar, i Tsaava Giorgi Tsaava Giorgi. "ASSESSING THE CURRENT STATE OF SERVICE QUALITY IN GEORGIAN BANKS". Economics 106, nr 1-2 (20.03.2024): 29–34. http://dx.doi.org/10.36962/ecs106/1-2/2024-29.
Pełny tekst źródłaStreszczenie:
In the article - “Assessment of the current state of service quality in Georgian banks” - the quality of customer service by banks “Alpha” and “Beta” is considered from 3 positions according to its individual components. As a rule, the bank's services are studied and evaluated by the bank's management, employees and customers. Each of them has its own evaluation criteria. For this reason, it is very difficult, often impossible, to compare and evaluate the results obtained. This especially applies to the criteria of the bank itself. The article evaluates the service quality of two Georgian banks - "Alpha" and "Beta" banks from the positions of clients and employees, using a 7-point scientific Likert scale. The calculation is carried out by assigning points to individual quality components, and then calculating the integral index of satisfaction based on them. The quality of customer service by the banks involved in the research is estimated as average. Irregularities exist in both banks, however, the service quality of Beta Bank is better than that of Alpha Bank. Keywords: Service quality; Commercial bank; Personnel; Clients; Satisfaction; Integral index of satisfaction.
16
Parhyar, Amanullah, Muhibullah Nahrio, Raza Ali Tunio i Waqar Ahmed Sethar. "Analysis of Profitability of Banks; Comparatives Study of Domestic and Foreign Banks in Pakistan". International Research Journal of Management and Social Sciences 2, nr 2 (30.09.2021): 282–99. http://dx.doi.org/10.53575/irjmss.v2.2(21)25.282-299.
Pełny tekst źródłaStreszczenie:
This study was conducted to observe the determinants of profitability among domestic banks and foreign banks, owned organizations listed in Pakistan, whatever the analysis which dependents variable return on assets, others independent variables equity assets, deposit to total assets and loans to total assets which are the measured with annual financial statements reports of bank's organizations. The research aimed among the domestic banks as well as foreign banks, sampling of data is based on the availability of data, annual financial statements of the bank's listed companies, because reliability and availability of data source are selected, such as data is analyzed by using descriptive and multivariate statistical techniques containing descriptive correlation and regression model techniques. According to the results abstracted from analysis, equity to assets have a negative relationship with return on assets in term of both foreign banks and domestic banks, while the loan to assets and deposit to assets have a positive relationship with return on assets with a high significance level, while these variables have same sought of relationship with lowest significance level. That’s why the hypotheses related to the foreign banks are accepted and the hypotheses related to the domestic banks may be challenged. From this study, we have conducted recommendations to enterprises as well as executives banking sector of Pakistan. Financial statements through return assets increase their profitability; banks should decrease the level of baking kinds of loans. The interest rate of domestic and foreign banks is high level, difficult for a customer who took a loan from that organization.
17
Rasmusen, Eric. "Mutual Banks and Stock Banks". Journal of Law and Economics 31, nr 2 (październik 1988): 395–421. http://dx.doi.org/10.1086/467162.
Pełny tekst źródła
18
Goyal, Sahil. "E-BANKING, ITS GROWTH & FUTURE IN INDIA". INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, nr 04 (1.05.2024): 1–5. http://dx.doi.org/10.55041/ijsrem32541.
Pełny tekst źródłaStreszczenie:
Businesses make investments in e-business and the technology that supports it. Applications for e-business, like supply chain management and customer relationship management, boost innovative product and service offers, strong customer relationships, and transaction efficiency and scope economies. Companies find it challenging to turn these advantages into revenues or economic value, though. Many enterprises that have started online have failed to generate profits. According to a 2001 AMR Research Inc. survey, businesses would continue to spend more on e- business even in a recession. At best, though, these investments have yielded a mediocre return. Conventional Banking To conduct standard banking functions including cash withdrawals, fund transfers, and account inquiries, clients must physically visit the bank's branch. However, clients using e-banking can complete these transactions 24/7 from the comfort of their homes or workplaces using desktops or laptops and electronic media. We call this banking—anytime, anyplace. Consumers don't need to wait in line, deal with tellers, deal with constrained banking hours—all they need to do is visit the bank's website to examine their account details and do transactions as needed. The Banking System in India Scheduled and non-scheduled banks were distinguished under the Reserve Bank of India Act, 1934. The Second Schedule of the RBI Act, 1934 lists scheduled banks, which include state co-ops, regional rural banks, and commercial banks (both foreign and Indian). The banks not listed in this schedule are considered non-scheduled. Three types of banks comprise India's organized banking system: co-ops, regional rural banks, and commercial banks. The Reserve Bank of India, the nation's highest monetary and financial body, is in charge of managing the banking sector. Banks for commerce, which have been in place for many years encourage urban savings and make them available to trading and industrial organizations for working capital needs. Commercial banks were divided into public sector banks, sometimes known as nationalized banks, and private sector banks after 1969.
19
Ab Rahman, Sazana, Nor Hayati Ahmad i Noraziah Che Arshad. "BANK SPECIFIC AND MACROECONOMIC FACTORS INFLUENCING ISLAMIC BANKS DEPOSITS". Vol 6 No 2 (2021) 6, No.2 (31.12.2021): 37–57. http://dx.doi.org/10.32890/ijib2021.6.2.4.
Pełny tekst źródłaStreszczenie:
Deposits are like the bloodline for banks as they determine banks' lending capacity and a country's economic savings. However, the existence of a dual banking system poses a challenge to Malaysian Islamic banks competing for deposits. Despite this problem, few investigations were done to comprehensively identify the factors that could help banks attract deposits, particularly for Islamic banks. The purpose of this paper is to fill this gap on deposits of 16 Islamic banks in Malaysia. Secondary data from the bank's annual reports and the Department of Statistics of Malaysia from 2015 to 2019 were analyzed, comprising Islamic Bank Deposits and seven predictors in an empirical model using STATA. The result shows a strong model fit with 92% R squared value that Return on Assets, bank concentration, and Business Enterprise Depositor affect Islamic Bank Deposits positively and significantly while Capital Adequacy Ratio showed negative and significant influence on the deposits. These factors are strongly effective to deposits, significant at 1% level. In contrast, Financing Deposit Ratio and Gross Domestic Product do not significantly influence Islamic deposits. Contrary to economic theory, this study found that an increase in inflation encourages customers to increase their saving deposits in Malaysian Islamic banks. The findings from this study are unique to Malaysian Islamic banks. They indicate important policy implications for Islamic banks practitioners, namely, to increase their focus on business enterprise customers, improve bank's market share and profitability in order to increase deposits while taking advantage of high inflationary period to attract more depositors.
20
Sun, Yalong. "Financial Technology Level and Credit Structure Adjustment of Commercial Banks". Journal of Economics and Public Finance 9, nr 4 (25.11.2023): p131. http://dx.doi.org/10.22158/jepf.v9n4p131.
Pełny tekst źródłaStreszczenie:
Under the traditional bank credit model, due to financial control and risk considerations, the growth of commercial bank credit scale is limited. Banks often adopt short-term credit strategies and tend to issue guaranteed loans instead of credit loans. In recent years, the development of financial technology in commercial banks has broken the credit resource allocation model of the traditional financial system to a certain extent, which is of great significance for optimizing the credit structure of commercial banks. This paper first analyzes the path of the development of commercial bank financial technology on the adjustment of bank credit structure, and then selects the panel data of 91 commercial banks in China from 2017 to 2021, uses NLP (Natural Language Processing) to construct indicators to measure the level of bank financial technology. Taking commercial banks as the research object, this paper empirically studies the impact of financial technology on the credit structure of commercial banks in China and analyzes the relevant mechanisms. The study found that the increase of the level of financial technology of commercial banks can reduce the bank's non-performing loan ratio, promote the optimization of bank credit structure, increase the loan scale and proportion of credit loans, personal loans, medium and long-term loans. For large commercial banks and small and medium-sized banks, There is a significant difference in the degree of optimization of the credit structure. On the other hand, the adjustment of bank credit structure has brought more customers into the scope of loan business, which has promoted the continuous improvement of the bank's profitability.
21
Gao, Yuanlong. "Research on the Banking and Finance System Under the Mathematical Model of Risky Decision-Making". Highlights in Business, Economics and Management 20 (30.11.2023): 63–69. http://dx.doi.org/10.54097/hbem.v20i.12321.
Pełny tekst źródłaStreszczenie:
In the informationization process of China's commercial banks, how to effectively manage and evaluate them has become an urgent problem for China's commercial banks. The article analyzes the characteristics and risks of the commercial bank's information system. And put forward a method and process of evaluating it, thus constructing a model of risk control and evaluation for the information system of commercial banks.
22
Srivastava, Dr Surabhi, i Dr Anand Kumar Srivastava. "Non-Performing Assets of Public Sector Banks for the Financial Year 2022". International Journal of Innovative Research in Engineering and Management 10, nr 5 (20.10.2023): 34–38. http://dx.doi.org/10.55524/ijirem.2023.10.5.6.
Pełny tekst źródłaStreszczenie:
NPA are seen to be essential components in establishing a bank's profitability. However, banks' profitability is currently falling as NPAs grow. NPA is the main problem that the financial institution and the company are facing. The performance of banks and other institutions is being harmed by mounting NPAs. To reduce the effect of NPA losses on the banks, however, banks must continue to make provisions for NPAs. Compared to other sector banks, NPAs in public sector banks are rising faster. According to an analysis of the aforementioned research from FY'22, SBI, the largest public sector bank, should be more concerned about its low Gross NPA compared to its Gross Advance, whereas CENTRAL BANK OF INDIA should be more concerned about its high Gross NPA.
23
Udofia i Okhae. "CAMEL Indicators as Tools for Predicting Bank Financial Health Conditions in Nigeria". International Journal of Business and Technopreneurship (IJBT) 14, nr 2 (26.06.2024): 121–34. http://dx.doi.org/10.58915/ijbt.v14i2.293.
Pełny tekst źródłaStreszczenie:
The series of reform initiatives and consolidation strategies in the banking sector was created to improve the financial health of banks in Nigeria and strategically reposition the Nigerian economy. This paper used the CAMEL predictor model to examine the financial health of selected banks in Nigeria after adopting these reforms from 2012 to 2021. Data for the study was collected from the audited annual reports of the eight banks. The study applied the discriminant (Z-score) technique and regression analysis to scrutinize the effect of Capital Adequacy, Assets Quality, Management Quality, Earnings Quality, And Liquidity Efficiency (CAMEL) variables on the bank's financial health conditions. The discriminant analysis revealed that 5 banks, i.e. (62.5%) of the banks investigated, may fall into distress status shortly if adequate measures are not applied. In comparison, only 3 banks (37.5%) are financially sound. The study reveals that CAMEL indicators significantly predict bank financial health in Nigeria. However, whilst capital adequacy (CA) and liquidity sufficiency are insignificant predictors of a bank's financial health, assets quality, management quality, and earnings quality significantly predict the bank ‘s financial health in Nigeria. The pivotal role of banks in Nigeria’s economy requires that the findings of this study should not be downplayed. Thus, bank managers should focus on managing their CAMEL indicators to avoid distress. Supervisory authorities should also intensify surveillance by conducting a CAMEL analysis of banks annually to reduce corporate failure incidences and positively reposition Nigeria's economy.
24
Manda, Gusganda Suria, i Rina Maria Hendriyani. "ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE PROFIL RISIKO, TATA KELOLA PERUSAHAAN YANG BAIK, PENDAPATAN & MODAL (Studi Komparasi Antara Bank Umum Konvensional dan Bank Umum Syariah Di Indonesia Lemabaga yang Terdaftar Pada Otoritas Layanan Keuangan". Eqien: Jurnal Ekonomi dan Bisnis 7, nr 1 (29.02.2020): 68–77. http://dx.doi.org/10.34308/eqien.v7i1.123.
Pełny tekst źródłaStreszczenie:
This analysis aims to find out, analyze and explain how the bank's soundness level compares with the Risk Profile, Good Corporate Governance, Earning and Capital methods in accordance with applicable regulations.
This research was conducted using a comparative descriptive method with a quantitative approach.
The results of the analysis of this study the authors get that Conventional Commercial Banks have a Risk Profile (NPL ratio) with a rating of "Good" better than a Sharia Commercial Bank with a rating of "Fairly Good". Conventional Commercial Banks have a Risk Profile (LDR) higher than Islamic Commercial Banks with a rating of "Fairly Good". Conventional Commercial Banks have Good Corporate Governance (GCG) better than Sharia Commercial Banks with a "Good" rating. Conventional Commercial Banks have better Earning (ROA) with a "Very Good" rating than a Sharia Commercial Bank with a "Very Poor" rating. Sharia Commercial Banks have a Capital (CAR) higher than Conventional Commercial Banks with a rating of "Very Good
25
Kusumawardani, Annisa, i Insiyatul Iftitah. "CONCEPT ANALYSIS AND FINANCIAL PERFORMANCE IN CONVENTIONAL AND ISLAMIC BANKS ON PERIODE 2016-2020". JEM17: Jurnal Ekonomi Manajemen 7, nr 1 (6.05.2022): 101–18. http://dx.doi.org/10.30996/jem17.v7i1.6508.
Pełny tekst źródłaStreszczenie:
Banking is one of the essential elements of economic sustainability. Indonesia has two banking systems: banking with conventional principles and banking with sharia principles. Differences in the regulation of the system can affect the results of the bank's performance. So, it is necessary to analyze the comparison of bank performance to determine the significance of the differences. This research aims to present the findings of a financial performance analysis carried out on Islamic and conventional banks' financial statements in 2016-2020. This study analyzes by looking at financial performance ratios consisting of Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), Operating Costs, and Operating Income (BOPO), and Financing Deposit Ratio (FDR). ) using SPSS. 36. The results obtained are significant differences between CAR, ROA, ROE, BOPO, and FDR of conventional and Islamic banks. Islamic banks' CAR, ROE, BOPO, and FDR values are better than conventional banks, while conventional banks' ROA is better than Islamic banks.
Keywords: Conventional Banks, Financial Performance, Islamic Banks
26
Syachrani, Annisa, i Sugiharti Binastuti. "ANALISIS PERBANDINGAN TINGKAT KESEHATAN BANK BUMN DAN BANK SWASTA DI INDONESIA BERDASARKAN METODE RGEC PERIODE 2015-2019". Jurnal Ilmiah Raflesia Akuntansi 7, nr 1 (30.04.2021): 58–65. http://dx.doi.org/10.53494/jira.v7i1.84.
Pełny tekst źródłaStreszczenie:
Abstrack-As an intermediary institution and support for the nation's economic activity, banks must pay attention to their health level. Information regarding the soundness of a bank is very much needed by various parties involved, both parties from within the bank itself and parties from outside the bank to evaluate the bank's performance in applying prudential principles, compliance with applicable regulations and risk management. This study aims to determine the comparison between state-owned and private banks, the performance of banks in Indonesia on NPL, LDR, GCG, ROA, ROE, and CAR. The population in this study were state-owned and private banks in Indonesia. The sampling technique was carried out at four state-owned banks and four private banks in Indonesia and quantitative data in the form of financial statements. The analysis technique used Normality Test, Paired t-test and Wilcoxon Signed Rank Test.The results of this study are that according to the Paired t-test NPL, ROA, ROE, and CAR there is no difference in the soundness of state-owned banks and private banks, but LDR experiences differences in the soundness of state-owned banks and private banks. According to the Wilcoxon Signed Rank Test, there is no difference in the soundness of state-owned banks and private banks.
27
Cabanda, Emilyn, i Eleanor C. Domingo. "A Production Approach to Performance of Banks with Microfinance Operations". International Journal of Information Systems in the Service Sector 6, nr 2 (kwiecień 2014): 18–35. http://dx.doi.org/10.4018/ijisss.2014040102.
Pełny tekst źródłaStreszczenie:
Banking institutions, nowadays, serve as intermediaries of funds to a variety of clients, including the micro enterprisers. This study analyzes and measures the performance of rural and thrift banks with microfinance operations in the Philippines, using combined measures of data envelopment analysis and traditional financial performance indicators. Data envelopment analysis (DEA) method is employed to measure the productive efficiency of these banks under the production approach. The variable returns to scale is also used, with the assumption that not all banks are operating at optimal scale over the long-run period. DEA findings reveal that sample banks performed below the production frontier. The average technical efficiency score of these banks is 66.09% and additional 33.91% is needed to reach the production frontier. Overall, thrift banks are found to be more productively efficient than rural banks as depository banks. The authors have also found a strong relationship between financial performance measures and bank's productive efficiency. For thrift banks, sustainability, ROE and ROA measures showed a statistically significant positive correlation to the banks' productive efficiency while a negative relationship was observed in rural banks. Lastly, the authors can suggest that both DEA's productive efficiency and financial performance measures are consistently and strongly correlated when evaluating the overall performance of banks with microfinance operations.
28
Ngan Bich Nguyen, Ngan Bich Nguyen. "Impacts of ESG Performance on the Profitability of ASEAN-6 Commercial Banks in the Context of Digital Transformation". GLOBAL BUSINESS FINANCE REVIEW 29, nr 5 (30.06.2024): 60–71. http://dx.doi.org/10.17549/gbfr.2024.29.5.60.
Pełny tekst źródłaStreszczenie:
Purpose: This study's primary goal is to examine the relationship between Environmental, Social, and Governance (ESG) performance and profitability in ASEAN-6 commercial banks amid digital transformation. Design/methodology/approach: To reach this purpose, the paper uses linear regressions to explore the three re-search questions: “What are impacts of ESG performance on banks' profitability?”, “What are impacts of digital transformation on bank's ESG performance?”, “How is moderate effect of digital transformation to impacts of ESG performance on banks' profitability?”. The paper employs data available for 39 ASEAN-6 banks in 2023. Findings: The main findings are: (i) enhancing ESG performance is likely to boost the bank's profitability; (ii) while banks can bolster their ESG metrics through increased spending on digital transformation, there's a risk that excessive investment in this area could negatively impact Return on Assets (ROA); (iii) the beneficial influence of ESG on ROA tends to decrease as the investment in digital transformation grows. Research limitations/implications: The findings offer insightful viewpoints for bank managers and policymakers regarding the significance of ESG and digital transformation in influencing banking profitability Originality/value: The study contributes to the current literature in emphasize the role of sustainable development in improving bank's performance, especially in the context of digital transformation.
29
Abrishami, Hamid, i Masoud Saboji. "The Role of Current Banking System in the Growth of Industrial Sector in Isfahan Province (Iran)". International Letters of Social and Humanistic Sciences 72 (sierpień 2016): 45–53. http://dx.doi.org/10.18052/www.scipress.com/ilshs.72.45.
Pełny tekst źródłaStreszczenie:
Studying the function of banks is crucial because their vigorous role in the economy seems to be a subject of immense importance. In the present study, we analyze and study the role of whole banks, commercial banks and specialized banks between 2002 and 2012 in Isfahan, based on the growth of value added approach in the industrial sector. In order to investigate this matter, we have estimated three extinction panels for the whole banking system, specialized banks and commercial banks in Eviews 9. Based on the results it can be argued that in the panels of whole banks and specialized banks, payment facilities have a positive and meaningful impact on the growth of value added in all three sectors of the economy, but in the panel of commercial banks, only banking facilities on a 10 percent level have a positive and meaningful impact on the growth of value added in the industrial sector. As a result, we can conclude that specializing the bank's activities can have a positive effect on the growth of value added in various sectors of the economy.
30
Karcheva, Ganna, i Iryna Karcheva. "THEORETICAL AND PRACTICAL ASPECTS OF MANAGING THE FINANCIAL AND ECONOMIC SECURITY OF BANKS". Economic Analysis, nr 32(1) (2022): 188–98. http://dx.doi.org/10.35774/econa2022.01.188.
Pełny tekst źródłaStreszczenie:
Introduction. Existing economic and managing ways to ensure the financial and economic security of banks in Ukraine are not always reliable tools, because its mostly relate to certain aspects of the bank's activities, rather than the bank as a whole open dynamic dynamic system. According to the system approach, the basis of security of such systems is the bank's compliance with stability and dynamic balance. In this case, the stability should be considered in three aspects – the stability of the trajectory of development, the stability of the attractor and structural stability. The purpose of the study is the theoretical justification and development of practical recommendations for the building an effective system of financial and economic security management of banks considering the risks in its activities. Method (methodology). The methodological basis of the study is a systematic approach, methods of analysis and synthesis, theoretical and logical generalisations and hypotheses, economic and mathematical methods. Results. It was justified the expediency of using an integrated model of financial and economic security management of banks, which is based on an effective risk management system and provides a systematic process of risk identification, measurement, monitoring, control, reporting and appropriate regulation at all organizational levels. The proposed integrated model should include such basic components as: assessment of the existing security potential of the bank; adaptive (stabilizing) mechanism; obtaining a synergistic effect. The building of an effective system for managing the financial and economic security of banks is impossible without high-quality diagnostics and constant monitoring of the security potential of banks. A summary indicator has been developed to assess the potential of financial security of banks assessment, which is calculated on the basis of risk and the available potential of the bank's strength. It is proposed to use early warning signals that consider the dynamics and variability of liquidity and performance of banks. Experimental testing of the proposed instruments was carried out according to the financial statements of banks. The article reveals the essence of financial and economic security of banks and identifies components of the mechanism of bank security management. Developed conceptual approaches involve the use of preventive methods to prevent threats to the security of banks.
31
Jain, Arushi. "The Riskiness of Banks: An Empirical Analysis of the Depositor’s Sensitivity". MUDRA: Journal of Finance and Accounting 9, nr 1 (2022): 19–35. http://dx.doi.org/10.17492/jpi.mudra.v9i1.912202.
Pełny tekst źródłaStreszczenie:
This study focuses on checking for the existence and strength of the market discipline based on different ownership structures of the banks. First, this article determines if depositors react rationally to risk levels depending on the bank's ownership type, and second, if the strength of this responsiveness differs depending on the bank's ownership type. This study is based on 38 banks in the Indian banking sector. Empirical testing is carried out using panel data analysis and various proxies to assess the riskiness of the banks. The analysis shows that market discipline exists regardless of the kind of ownership. However, its strength varies across different ownership structures of the banks. These findings are crucial for the orderly functioning of the banking system so that the bank managers do not take advantage of the market perception based on their state ownership.
32
Zherdetska, Liliia, Yuliia Diatlova, Valentyna Diatlova, Julia Derkach, Anastasiia Goncharenko i Mykola Zos-Kior. "Digital banking in the marketing mix and human resource management: improving the approach to the assessment as an innovative component". LAPLAGE EM REVISTA 7, nr 3A (3.09.2021): 111–19. http://dx.doi.org/10.24115/s2446-6220202173a1386p.111-119.
Pełny tekst źródłaStreszczenie:
The research evaluates the activity of using digital banking in components of the marketing mix of Ukrainian banks, such as «product», «place», «promotion», and «price». The developed methodological approach is based on the analysis of traditional bank's marketing mix elements and their innovative components, mainly digital banking. It has been established that banks, offering a generally standard set of primary products, introduce product innovations quite unevenly. According to the «place» component of the marketing mix, it has been noted that the pace of traditional marketing replacement by banking innovations marketing is slow. Regarding the «promotion» component of the marketing mix, the distribution of the indicators of the bank's activity in the use of social networks is uneven. Facebook is more used than Instagram, and not all banks use YouTube's capabilities. Banks are market leaders that use social networks and the Internet most actively.
33
Chen, Naiwei. "C ORRUPTION D IVERSIFICATION AND ASSET QUALITY OF ISL AMIC AND CONVENTIONAL B ANKS : A DYNAMIC PANEL DA TA APPROACH". International Journal of Islamic Business 4, nr 2 (31.12.2019): 15–32. http://dx.doi.org/10.32890/ijib2022.4.2.2.
Pełny tekst źródłaStreszczenie:
Minimal research to date has examined whether and how corruption and diversification influence the asset quality of Islamic banks from the agency perspective. The study aims to fill this research gap using a sample of 155 banks (28 Islamic banks and 127 conventional banks) in three Asian countries (Indonesia, Malaysia, and Pakistan) from 2006 to 2012. Estimation of the dynamic panel data model reveals that corruption negatively affects the asset quality of Islamic banks whereas conventional banks see no such effect. Corruption also proves to strengthen (weaken) any negative (positive) effect of diversification on the asset quality of Islamic banks, in particular. Furthermore, the modifying effect of corruption is particularly found in more corrupt countries (Indonesia and Pakistan) as opposed to a less corrupt country (Malaysia). Overall, results suggest that banks should engage in diversification moderately because diversification’s negative effect can overpower its positive effect. In addition, Islamic banks and particularly small ones should watch out for the negative effect of corruption because these banks’ asset quality is more influenced by corruption than other banks. Furthermore, it is crucial for policymakers to effectively control corruption to maximize the asset quality of banks for better financial stability of the banking sector. This is especially true for Islamic banks because they are more likely to incur higher agency costs as opposed to conventional banks.
34
Chen, Naiwei. "C ORRUPTION D IVERSIFICATION AND ASSET QUALITY OF ISL AMIC AND CONVENTIONAL B ANKS : A DYNAMIC PANEL DA TA APPROACH". International Journal of Islamic Business 4, nr 2 (31.12.2019): 15–32. http://dx.doi.org/10.32890/ijib2019.4.2.2.
Pełny tekst źródłaStreszczenie:
Minimal research to date has examined whether and how corruption and diversification influence the asset quality of Islamic banks from the agency perspective. The study aims to fill this research gap using a sample of 155 banks (28 Islamic banks and 127 conventional banks) in three Asian countries (Indonesia, Malaysia, and Pakistan) from 2006 to 2012. Estimation of the dynamic panel data model reveals that corruption negatively affects the asset quality of Islamic banks whereas conventional banks see no such effect. Corruption also proves to strengthen (weaken) any negative (positive) effect of diversification on the asset quality of Islamic banks, in particular. Furthermore, the modifying effect of corruption is particularly found in more corrupt countries (Indonesia and Pakistan) as opposed to a less corrupt country (Malaysia). Overall, results suggest that banks should engage in diversification moderately because diversification’s negative effect can overpower its positive effect. In addition, Islamic banks and particularly small ones should watch out for the negative effect of corruption because these banks’ asset quality is more influenced by corruption than other banks. Furthermore, it is crucial for policymakers to effectively control corruption to maximize the asset quality of banks for better financial stability of the banking sector. This is especially true for Islamic banks because they are more likely to incur higher agency costs as opposed to conventional banks.
35
Makanile, David, i Pastory Dickson. "Determinants of lending behaviour of commercial banks in Tanzania". International Journal of Research in Business and Social Science (2147- 4478) 11, nr 2 (22.03.2022): 260–69. http://dx.doi.org/10.20525/ijrbs.v11i2.1638.
Pełny tekst źródłaStreszczenie:
This paper assesses the determinants of the lending of six commercial banks in Tanzania from 2015 to 2019 using a quantitative research design. The data were collected from Annual Reports of the six commercial banks. The results show that liquidity and capital adequacies have a significant relationship with lending, whereas interest rate and management efficiency have no statistically significant influence on lending. Thus, effective policies should be developed to ensure commercial banks grow and be able to advance more credit. Additionally, the banking sector needs to prioritize increasing the liquidity ratio to ultimately strengthen the bank's financial position. Furthermore, commercial banks should be more innovative in their lending since different sectors present different risk profiles. Lastly, Commercial banks management needs to employ capital growth strategies to enhance the banks’ capital conservation buffer that requires banks to build up extra buffers outside periods of stress.
36
Maulida Berniz, Yulis, Najmudin Najmudin, Esih Jayanti, Ika Yustina Rahmawati i Yuni Utami. "The Influence of Third-party Funds; Asset Quality, Profit, and Lost Sharing to The Islamic Bank Liquidity in Indonesia". International Journal of Science, Technology & Management 4, nr 4 (24.07.2023): 1023–33. http://dx.doi.org/10.46729/ijstm.v4i4.876.
Pełny tekst źródłaStreszczenie:
During the COVID-19 pandemic, Islamic commercial banks experienced liquidity excess due to the third-party funds that increased and the weak distribution of financing by Islamic banks. In addition, the asset quality of Islamic banks is showing good development, this will affect the bank's ability to meet sufficient liquidity. This study uses 7 Islamic commercial banks as a sample from a population of 14 Islamic commercial banks registered in the Financial Services Authority (OJK) from March 2012 to December 2020 (quarterly data) period. This research method uses a fixed-effect model, with a GLS weight approach, Cross-section SUR. The results of this study are third party funds, asset quality (Non-Performing Financing), and Capital Adequacy Ratio have a significant effect on the liquidity of Islamic banks, while Profit and Loss Sharing and Return on Assets do not affect the liquidity of Islamic banks.
37
YE, KANGWEI. "OFF-BALANCE SHEET ACTIVITIES AND BANK RISKS: AN INVESTIGATION OF THE LISTED COMMERCIAL BANKS IN CHINA (1999–2013)". Annals of Financial Economics 10, nr 01 (czerwiec 2015): 1550004. http://dx.doi.org/10.1142/s2010495215500049.
Pełny tekst źródłaStreszczenie:
Based on a broad set of 16 listed commercial banks in China during the period 1999–2013, this paper makes the empirical analysis of the relationship between the development of off-balance sheet (OBS) activities and the banks' overall risk, bankruptcy risk and credit risk. Innovation of this article is mainly reflected in: (1) Considering different types of risk variables, it gives a more comprehensive disclosure of the bank's risk characteristics. (2) Dividing the research object into joint-stock commercial banks and state-owned commercial banks, and get some new test results: The development of OBS business of state-owned commercial banks increases the overall risk, bankruptcy risk and credit risk significantly. While in joint-stock commercial banks sample, the development of OBS business reduces the overall risk significantly.
38
Ahdizia, Khulifa, Dian Masyita i S. Sutisna. "Business Valuation of Islamic Banks in Merger Plan To Become An Indonesia’s State-Owned Islamic Bank". ETIKONOMI 17, nr 2 (10.08.2018): 223–36. http://dx.doi.org/10.15408/etk.v17i2.7238.
Pełny tekst źródłaStreszczenie:
Indonesia needs a sizeable Islamic bank to confront the ASEAN Economic Community (MEA) in 2020, so it can compete with existing Islamic banks in ASEAN. Then there was a plan to merge several Islamic banks into Government's Islamic banks. This study aims to analyze from the business valuation point of view about the Islamic bank's merger plan in Indonesia and to calculate the value of synergy if the bank merged. Company valuation used DCF-FCFE method and PBV. Islamic banks those were simulated merged are BSM, BRIS, and BNIS. Based on the study there is a synergy when the three banks merged. So, the merger plan of Islamic bank is feasible.DOI: 10.15408/etk.v17i2.7238
39
Aktas, Rafet, Bilge Bakin . i Gokhan Celik . "The Determinants of Banks’ Capital Adequacy Ratio: Some Evidence from South Eastern European Countries". Journal of Economics and Behavioral Studies 7, nr 1(J) (28.02.2015): 79–88. http://dx.doi.org/10.22610/jebs.v7i1(j).565.
Pełny tekst źródłaStreszczenie:
The legal authorities set the minimum capital level for the banks. Recent studies have shown that variables used to explain capital structure of non financial firms, such as size, profit, leverage, liquidity and risk, could also be helpful in understanding banks’ capital structure. This paper aims to evaluate the impact of bank-dimensional and environmental factors on bank’s capital adequacy ratio in South Eastern European (SEE) region. Size, profitability (ROA), leverage, liquidity, net interest margin (NIM), and risk are used as bank-dimensional explanatory variables in a feasible GLS regression model. On the other hand, economic growth rate, inflation, real interest rate, Eurozone stock market volatility index, deposit insurance coverage, and governance indicator are added to the original model to control for environmental factors. Annual data from 71 commercial banks belong to 10 different countries in SEE region for the period of 2007 – 2012 is used. This region mainly consists of the “transition economies†which are still experiencing the difficulties of turning into efficient market economies with high economic potentials. The results of our study show that among the bank dimensional explanatory variables size, ROA, leverage, liquidity, net interest margin and risk have statistically significant effects in determining CAR for the banks in the region. Among the environmental factors, economic growth rate, Eurozone stock market volatility index, deposit insurance coverage, and governance have statistically significant effects in determining CAR for the banks in the SEE region.
40
H. Omar, Habiba, i Mohd E. Yusoff. "Central bank impact on practicing Mudarabah financing in Islamic banks: the case of Tanzania". Banks and Bank Systems 14, nr 1 (25.02.2019): 81–93. http://dx.doi.org/10.21511/bbs.14(1).2019.08.
Pełny tekst źródłaStreszczenie:
This paper investigates the challenges faced by Islamic banks in practicing Mudarabah financing under conventional regulatory regime by interviewing eleven Islamic bank managers from three selected banks. Thematic data analysis was employed to understand hindrances for Islamic banks in operating Mudarabah financing under conventional regulatory regime. Findings of the study have provided a number of major challenges that hinder Islamic banks performance in Tanzanian context. The challenges include irregularities of policies and regulations, non-supportive operational and technical structure, and missed perceptions of Mudarabah among the public. However, a new challenge of the impact of the central bank on Islamic banks was identified. It is expected that Tanzanian Islamic banking performance will enhance if the central bank introduces sharia regulations for Islamic banking, initiates the central sharia supervisory board, and harmonize country regulations with financial regulations regarding Islamic perspectives.
41
SHIRAZI, NASEEM SHAH. "Financial Performance of Islamic and Conventional Banks in Qatar: A Comparative Analysis". International Journal of Islamic Economics and Governance 3, nr 1 (30.06.2022): 19–42. http://dx.doi.org/10.58932/muld0010.
Pełny tekst źródłaStreszczenie:
The goal of bank performance evaluation is to guarantee that they efficiently utilize resources. Financial performance analysis is a critical tool for recognizing the bank's weaknesses and strengths across its numerous activities. The CAMELS technique is regarded as a supervisory tool to evaluate bank performance based on several aspects, according to the literature review. Regulators use on-site and off-site monitoring tools to assess a bank's financial stability. The CAMELS rating system encourages transparency, evolution, and change in all financial institutions. Furthermore, this method identifies the structural strengths and weaknesses of financial organizations. This study conducts a comparative analysis of Islamic and conventional banks in Qatar using the CAMELS rating scale from 2015 to 2020. We used a sample of 14 banks in Qatar, four of which were Islamic while the others were conventional. The findings indicate that Islamic banks showcase superior performance in Qatar while outperforming their conventional counterparts in many variables. However, none of the banks in Qatar could obtain a rating of 1, indicating areas of weaknesses that need to be worked on, particularly in the area of liquidity, which was a critical factor for all banks. According to this study, the Qatar Central Bank should improve the monitoring and screening of all Islamic banks in Qatar. Furthermore, it is suggested that the Qatar central bank employs the CAMELS system to track operations and field offices for banks functioning to facilitate regular access to a stable banking sector. Banks can use CAMELS to track their performance, and the necessary actions must be undertaken.
42
Ábel, István, i Katalin Mérő. "Endogenous money, soft budget constraint and the banking regulation". Acta Oeconomica 73, S1 (3.11.2023): 99–118. http://dx.doi.org/10.1556/032.2023.00036.
Pełny tekst źródłaStreszczenie:
AbstractA key observation of the endogenous money theory is that banks create deposits (money) by lending. This means that banks apparently face soft budget constraint in responding to demand for credit. However, there are several limiting factors, which can make the banks' money creation somewhat constrained, and can thus harden their budget constraint. Such factors include the need to preserve banks' profitability and the bank regulations (the capital and liquidity requirements). Previous literature on soft budget constraint (SBC) in banking mentioned government bailouts, central banks lender-of-last-resort policies, or the poorly informed depositors who over-finance banks, as reasons for the SBC for banks. Taking the endogenous money theory as a starting point, we use a different approach. We analyze whether the tools that aimed to keep the bank's budget constrain hard are appropriate for this purpose. Our analysis, as well as lessons from several recent bank crisis episodes suggest, that under current banking regulation SBC is an inherent feature of banking.
43
Zulfiqar, Hasan. "Full-Fledged Conversion Effects on Operational Areas of Banks: the Case of Bangladesh". DIU Journal of Business and Entrepreneurship 11, nr 02 (30.06.2018): 56–70. http://dx.doi.org/10.36481/diujbev011i2.5sx2yv93.
Pełny tekst źródłaStreszczenie:
Abstract.- The study evaluates the e]fects on operational areas of those banks, which have converted themselves into full-fiedge d Islamic banks from conventional bankr Organizational structure, operational areas, reaction of the employees and clients of the banks after conversion are considered as the research areas. General banlnng activities, investment activities and foreign exchange activities of 16 years data have been used to evaluate the effects of conversion. Study finds that banks innovate new products and services afler conversion. Positive effects are seen in investment and foreign exchange activities of the banks afler conversion. Study also observed that the banks introduce new committee and new heads of expenses like Zakat expenses and allowances for the members of Shariah ape rvisor committee afler conversion. Banks also modfied their mission, vision and objectives after conversion. Study found that conversion helps them to build a strong banker customer relationship. Study concluded that the overall effects of conversion are positive.
44
Sishadiyati i Chantya Anggi Kirana. "HUBUNGAN MAKROEKONOMI TERHADAP KINERJA KEUANGAN PADA BANK KONVENSIONAL DAN BANK SYARIAH DI JAWA TIMUR". Jurnal Dinamika Ekonomi Pembangunan 3, nr 2 (30.07.2020): 322–27. http://dx.doi.org/10.33005/jdep.v3i2.111.
Pełny tekst źródłaStreszczenie:
Macroeconomic factors can be said to have a relationship with the financial performance of banks, both conventional banks and Islamic banks. The condition of the banking sector in East Java is very vulnerable to economic shocks that occur. So it requires a very independent and good liquidity management. The existing banking sector is still very dependent on the policies made by the central bank and the government. Then if there is a financial difficulty caused by unfavorable macroeconomic conditions, then the bank's financial performance may also be disrupted. Based on the analysis of data that has been explained that macroeconomic factors such as GRDP, inflation rate, unemployment rate, BI Rate and exchange rate, which have a very large relationship to the performance of conventional banks and Islamic banks in East Java is the BI rate. This shows that the banking sector in East Java must pay special attention to the dynamics of macroeconomic factors that occur. Whereas the financial performance between Islamic banks and conventional banks shows a difference. This is because the management of bank financial performance between Islamic banks and conventional banks has a different policy.
45
Witjaksono, Armanto, i Anis Yunistriani. "Analisis Komparatif Kinerja Keuangan antara Bank Syariah dan Bank Konvensional Berdasarkan Metode Camel". Binus Business Review 2, nr 1 (30.05.2011): 485. http://dx.doi.org/10.21512/bbr.v2i1.1155.
Pełny tekst źródłaStreszczenie:
The main objective of this paper is to give an overview of comparative financial performance of Islamic banks with conventional banks based on the CAMEL method. The main question would be answered to know there is difference in the performance of conventional banking and Islamic banking are analyzed by using the ratio CAMEL. To prove the hypothesis that there is no significant difference between the bank's financial performance Islamic and conventional banks (Ho) or there are significant differences between the financial performance of Islamic banks and conventional banks (Hi). Researchers used a parametric statistical technique, which consists of test data normality using the Kolmogorov Smirnov test and QQ plots, test of homogeneity using the F test (Levene's Test), and Independent Sample T-Test with significant value 5% confidence level (1 - α) = 95%. The results showed that the ratio of data CAMEL Islamic banks and conventional banks in normal distribution and homogeneous. Then it can be concluded that the variable CAR, NPL, and LDR between conventional banks and Islamic banks have significant differences, while the ROA and ROE of the two types of banking industry is not significantly different or relatively the same.
46
Wulansari, Anisa Salwa, Aris Soelistyo i Zainal Arifin. "ANALISIS PERBANDINGAN RASIO KESEHATAN BANK TERHADAP KINERJA KEUANGAN PADA BANK KONVENSIONAL DAN BANK SYARIAH". Journal of Financial Economics & Investment 3, nr 1 (1.02.2023): 24–33. http://dx.doi.org/10.22219/jofei.v3i1.21576.
Pełny tekst źródłaStreszczenie:
Banks as financial institutions need to maintain their performance in order to operate optimally. Moreover, Islamic banks must compete with conventional banks which are dominant and growing rapidly in Indonesia. This increasingly sharp and tight competition must be accompanied by good and orderly management in order to survive in the banking industry for a long time. One of the factors that must be considered by a bank in order to survive is the bank's financial performance. Comparison of the financial performance of conventional banks and Islamic banks is carried out using financial ratios in the form of the dependent variable ROA and the independent variables CAR, NPL/NPF, LDR/FDR taken from annual reports for the 2011-2020 periods. The analysis technique used panel regression. The result obtained is that there is a significant difference in the level of bank soundness between conventional banks and Islamic banks. Based on a comparison of financial ratio analysis, the financial performance of conventional banks is better in terms of the LDR/FDR ratio, while the financial performance of Islamic banks is better in terms of CAR and NPL/NPF ratios.
47
Darst, R. Matthew, Ehraz Refayet i Alexandros Vardoulakis. "Banks, Non Banks, and Lending Standards". Finance and Economics Discussion Series 2020, nr 086 (9.10.2020): 1–52. http://dx.doi.org/10.17016/feds.2020.086.
Pełny tekst źródła
48
Karow, A. M., i A. B. Glassman. "Should Blood Banks Become Organ Banks?" Transfusion 15, nr 3 (25.03.2003): 285–86. http://dx.doi.org/10.1046/j.1537-2995.1975.15375160367.x.
Pełny tekst źródła
49
Harjoto, Maretno A., Ha-Chin Yi i Tosporn Chotigeat. "Why do banks acquire non-banks?" Journal of Economics and Finance 36, nr 3 (16.04.2010): 587–612. http://dx.doi.org/10.1007/s12197-010-9128-9.
Pełny tekst źródła
50
Swanson, K. W. "Body Banks: A History of Milk Banks, Blood Banks, and Sperm Banks in the United States". Enterprise and Society 12, nr 4 (23.08.2011): 749–60. http://dx.doi.org/10.1093/es/khr038.
Pełny tekst źródła