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Journal articles on the topic 'Adjusted Net Bank Credit'

Author: Grafiati
Published: 4 June 2025
Last updated: 1 August 2025

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1

Dang, Thi Hai Yen, Le Thao Trang Pham, Thi Huong Nguyen, and Thi Hoang Anh Dao. "The Effect of Credit Risk on the Financial Performance of Commercial Banks in Vietnam." Vietnam Journal of Agricultural Sciences 7, no. 2 (2024): 2160–72. http://dx.doi.org/10.31817/vjas.2024.7.2.06.

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Creating credit is the main income-generating activity for banks. However, granting credit always comes with risks. Credit risk is the risk of losing part or all of a debt due to failure to pay on time or default. Credit risk is considered the most important risk affecting banking performance. Therefore, this study measured the effect of credit risk on the financial performance of Vietnamese commercial banks. The research sample was made up of 30 commercial banks in Vietnam during the period from 2017 to 2022. There were a total of 180 observations in the balanced data panel. To control for un
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2

DR, BHADRAPPA HARALAYYA, and S. AITHAL P. "PERFORMANCE AFFECTING FACTORS OF INDIAN BANKING SECTOR AN EMPIRICAL ANALYSIS." George Washington International Law Review, ISSN-1534-9977, E-ISSN-0748-4305 7, no. 1 (2021): 607–21. https://doi.org/10.5281/zenodo.5024152.

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There are several variables which can be used to assess the performance of banking sectors and its affecting factors as well as. Therefore, this study examines the performance affecting factors of selected 18 – public sector, 13 – private sector and 16 – foreign sector banks in India using panel data during 2005 – 2020. Return on assets and return on equity are used as proxy variables for measurement of bank’s performance and dependent variables in this study. Accordingly, capital adequacy ratio, net profit, return on investment adjusted to cost of funds, return o
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Chand, Shasnil Avinesh, Ronald Ravinesh Kumar, and Peter Josef Stauvermann. "Determinants of bank stability in a small island economy: a study of Fiji." Accounting Research Journal 34, no. 1 (2021): 22–42. http://dx.doi.org/10.1108/arj-06-2020-0140.

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Purpose This study aims to examine the determinants of bank stability based on three measures of bank stability while accounting for key bank-specific, macro-finance and structural variables. The aim is to underscore key indicators of stability that can be tracked by analysts, bank managers and regulators, especially in small economies such as Fiji. Design/methodology/approach The sample comprises a balanced panel of seven banking and financial institutions over the period 2000-2018. For consistency of data and similar functions in terms of deposit and loans, this paper considers five commerci
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D., Veena, and G. V. Bhavani Prasad Prof. "Priority Sector Lending by Public and Private Sector Banks in India." International Journal of Management and Humanities (IJMH) 4, no. 10 (2020): 127–34. https://doi.org/10.35940/ijmh.J0992.0641020.

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Priority Lending is critical to the inclusive growth in India. The credit distribution to the priority sectors is vital in ensuring that the economic growth is even and percolates down to all levels in the economy. RBI made it mandatory to the Scheduled Commercial Banks (SCB) in India for providing credit delivery to critical sectors identified as part of priority sector. RBI mandated all the banks should achieve the targets and sub targets of priority sector lending as minimum percent of Adjusted Net Bank Credit (ANBC) or Off - Balance sheet Exposure (OBE) whichever is higher. This paper aims
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Munandar, Aris. "PENGARUH KUALITAS AKTIVA PRODUKTIF DAN NET PERFORMING FINANCING (NPF) TERHADAP NET OPERATING MARGIN (NOM) BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE JUNI 2014 – MARET 2020." Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (2020): 1–12. http://dx.doi.org/10.36908/esha.v6i1.138.

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Net Operating Margin (NOM) is a ratio that is needed to improve the ability of banks to manage their entire productivity in order to produce a higher net. While Non-Performing Financing (NPF) is an indicator of credit risk (financing) of Islamic banks. Banks with high NPFs are less effective. Consider a bank with a lower NPF, more efficient. This study aims to look at the effect of Earning Asset Quality and Non-Performing Financing (NPF) on Net Operating Margin (NOM) in Sharia Commercial Banks and Sharia Business Units. The data used in this study is monthly coherent data from the period June
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Kumar Shetty H, Dr Mahesh. "Financial Inclusion through Priority Sector Lending: A Study on the Credit Delivery and Growth of MSMEs in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem43760.

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Financial inclusion is a critical driver of inclusive economic growth, particularly in developing economies like India, where access to formal financial services remains uneven. This study examines the role of Priority Sector Lending (PSL) as a strategic tool for achieving financial inclusion and fostering the growth of Micro, Small, and Medium Enterprises (MSMEs) in India. The Reserve Bank of India (RBI) mandates Scheduled Commercial Banks (SCBs) to allocate a specific percentage of their Adjusted Net Bank Credit (ANBC) to priority sectors, including MSMEs, which are pivotal to economic devel
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Vasilcovschi, Nicoleta, and Giovanni Verga. "An Empirical Analysis of the Central Bank of China's Monetary Policy and the Impact of its Communications on Market Interest Rates, Liquidity and Credit." Scientific Annals of Economics and Business 70, no. 4 (2023): 499–527. http://dx.doi.org/10.47743/saeb-2023-0035.

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As one of the largest world's economies, China’s economy plays an important role at regional and global levels. In this context, with the fast opening steps of the Chinese economy to international markets, the Chinese Central Bank (PBC or PBOC) has adjusted its mechanisms to the needs of local and international economies. Chinese monetary policy is designed to keep prices and economic growth stable and to ensure the country’s economic development. The Chinese Central Bank has a significant influence over Chinese interest rates, interbank rates, and changes in liquidity and credit. The main goa
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Laporšek, Suzana, Barbara Švagan, Mojca Stubelj, and Igor Stubelj. "Profitability Drivers in European Banks: Analyzing Internal and External Factors in the Post-2009 Financial Landscape." Risks 13, no. 1 (2024): 2. https://doi.org/10.3390/risks13010002.

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The paper examines the key determinants of European banks’ profitability by analyzing the return on assets (ROA), return on equity (ROE), net interest margin (NIM), and the risk-adjusted measures of profitability, RAROAA and RAROAE, across 34 European countries during the period from 2013 to 2018—a time characterized by economic recovery and significant regulatory reforms, including the implementation of Basel III standards. Using the Generalized Method of Moments (GMM) approach and data of 3076 European banks, the research addresses the complex interplay between internal (bank-specific) facto
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Lukovnikova, N. S. "Risks and Cybersecurity of Banking Business Entities in Russia." Mezhdunarodnaja jekonomika (The World Economics), no. 3 (March 18, 2025): 229–41. https://doi.org/10.33920/vne-04-2503-04.

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The article is devoted to the study of the problems of identifying and analyzing systemic, credit, inflation and other risks, including the regulation of cyber threats and the confrontation of Russian banking business entities with new challenges of the information war. The quantitative assessment of the dynamics of the number of banking business entities made it possible to identify trends in their reduction in 2024, which aff ects the narrowing of the boundaries of bank financing. The analysis of the net profit of the largest federal banks in Russia conducted in the article indicates a stron
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10

Kovaleva, Е. А., Т. V. Bogacheva, V. L. Snejko та A. S. Demidov. "Модели динамики предпринимательской активности при различных соотношениях маскулинности и индивидуализма". Vestnik of Russian New University. Series «Complex systems: models, analysis, management», № 4 (10 січня 2022): 88–94. http://dx.doi.org/10.18137/rnu.v9187.21.04.p.088.

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The paper deals with national cultures influence on economic performance. Main aim is to analyze the impact of national culture on entrepreneurial activity in various countries. The study explores Geert Hofstede’s cultural dimensions that allow assessing influence of main values and special features of mentality on behavioral patterns. The authors analyze an interaction between masculinity and individualism and a level of entrepreneurial activity in various countries by means of a multivariate correlation analysis. The authors use Total Early – stage Entrepreneurial Activity for entrepreneuria
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Sari, Pristin Prima, and Ardian Prima Putra. "PERAN DANA PIHAK KETIGA DALAM MEMEDIASI PENGARUH NET INTEREST MARGIN TERHADAP PERTUMBUHAN KREDIT PADA PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA." Jurnal Ekonomi dan Bisnis 21, no. 1 (2020): 51. http://dx.doi.org/10.30659/ekobis.21.1.51-57.

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AbstractsThe study found empirical proof the role of third party funds (DPK) mediate the influence of net interest margin (NIM) on bank credit growth listed in Indonesia Stock Exchange on 2015-2018. The study uses data from the bank�s annual financial statements. The Study covers 22 commercial banks resulting in 88 bank-year observations. Research using Smartpls 3.0 statistical tools to process data and path analysis to compute data. The results obtained are third party funds (DPK) that can positively mediate the influence of net interest margin (NIM) on credit growth. The greater DPK create t
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12

Wang, Liyue. "Does The Enhancement of Profitability Necessarily Reduce Bank Credit Risk?" International Journal of Business and Management 15, no. 12 (2020): 93. http://dx.doi.org/10.5539/ijbm.v15n12p93.

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Based on the data of China's listed banks from 2010 to 2018, this paper uses panel data model and threshold model to examine the impact of profitability on credit risk of commercial banks. The results show that: (1) After controlling the influence of bank size, the growth rate of net profit is negatively correlated with credit risk; (2) With the same growth rate of net profit, the larger the bank scale, the smaller the credit risk. At the same time, with the decrease of the growth rate of net profit, the influence of bank size on credit risk increases; (3) When the bank scale is large
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13

Datta, Kanchan. "Relationship between Commercial Banks Credit and Per capita net state domestic product of India: A Regional Panel data analysis." International Journal of Finance Research 2, no. 2 (2021): 84–93. http://dx.doi.org/10.47747/ijfr.v2i2.324.

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In general, bank credit plays a pivotal role in economic growth. Because bank credit may stimulate the capital accumulation and rate of saving that further induce the economic growth. However there are no unanimous opinion on the relationship between bank credit and economic growth. Under these circumstances, an attempt has been taken in this paper to investigate the role of bank credit, capital outlay and government’s social sector spending on per capita net state domestic product of India . this study finds that random effect model is better than fixed effect model and expansion of bank cred
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14

Suryanto, Suryanto, and Ratna Meisa Dai. "ANALISIS KEPUTUSAN KREDIT BERDASARKAN LAPORAN KEUANGAN CALON DEBITUR." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 8, no. 1 (2019): 1–12. http://dx.doi.org/10.34010/jika.v8i1.1917.

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 The purpose of this study is to examine the effect of debtor financial ratios on lending decisions at Bank bjb. This study uses a quantitative approach to the type of verification research. The sample in this study were debtors who applied for credit to the bank as many as 30 debtors. The analysis technique in this study uses a logistic regression model. The results of the study show that there are 3 models in determining credit decisions to prospective debtors at Bank BJB. The first model, those credit decisions as a whole are influenced by the current ratio, total asset turnov
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15

Gayo, Absyirni Ari, Rida Prihatni, and Diah Armeliza. "Faktor – Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum di Indonesia." Jurnal Akuntansi dan Keuangan 10, no. 1 (2022): 25. http://dx.doi.org/10.29103/jak.v10i1.6099.

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This study aims to determine the effect of Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, BOPO and Net Interest Margin on Credit Distribution. The independent variables used in this research are Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, BOPO and Net Interest Margin. The dependent variable used in this study is Credit Distribution. This study uses secondary data, namely the annual reports of companies listed on the Indonesia Stock Exchange for the 2017-2020 period (168 observations). The sampling method used in this research is the purposive sampling met
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16

Iqbal, Muhammad, and Syahril Efendi. "Data-Driven Approach for Credit Risk Analysis Using C4.5 Algorithm." ComTech: Computer, Mathematics and Engineering Applications 14, no. 1 (2023): 11–20. http://dx.doi.org/10.21512/comtech.v14i1.8243.

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Credit risk is bad credit, resulting in bank losses due to non-receipt of disbursed funds and unacceptable interest income. However, credit services still have to be done to achieve profit. The absence of an approach that can assist in making policies to reduce credit risk makes the risk opportunities even more significant. So, data processing techniques are needed that produce information to be used as the basis for policies in triggering credit risk with data mining. The research presented an application of data mining as a credit risk approach considering the ability of data mining techniqu
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17

Hanifa, Riri. "ANALISIS KUANTITATIF SISTEM PEMBIAYAAN UNTUK KREDIT INVESTASI (ALAT BERAT) PADA BANK UMUM DAN LEASING." Jurnal Ilmiah Ekonomi Global Masa Kini 7, no. 1 (2016): 18–23. http://dx.doi.org/10.36982/jiegmk.v7i1.100.

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A Company which is enganged in the procurement of heavy equipment, it would faced with the problem in adding the heavy equipment. This research was conducted in order to determine which one is the more profitable financial institutions for the company when the loan interest rate is having fluctuation which is can not be predicted before. This research is a descriptive by using secondary data of credit calculation examples, leasing period ,prices of equipment, economic life, residual value, tax rate and interest rate of loan. The analysis technique use two techniques: first, quantitatives ana
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18

Ahmed, Jaleel, Hui Xiaofeng, Muhammad Usman Virk, and Muhammad Abdullah. "Investigation of Causal Relationship between Trade Credit and Bank Loan during 2008 Financial Crisis." Journal of Asian Business Strategy 5, no. 5 (2015): 90–98. http://dx.doi.org/10.18488/journal.1006/2015.5.5/1006.5.90.98.

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This research paper attempts to investigate the causal relationship between trade credit and bank loan during 2008 financial crisis. After collecting data from 2005 to 2011 we have used Two Stage Least Square (TSLS) estimation technique. We have found that trade credit supply and bank loan are simultaneously determined and have a complementary effect during 2008 financial crisis. On the other side trade credit demand and bank loan are simultaneously determined where bank loan causes trade credit demand to decrease. A substitution effect has been observed between trade credit demand and bank lo
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19

Octavia, Megawati, Fitriani Fitriani, and Ahmad Faisol. "PETRI NET MODEL IN THE PROCESS OF SUBMISSION FOR CUSTOMER CREDIT OF BPR LAMBANG GANDA SERANG." BAREKENG: Jurnal Ilmu Matematika dan Terapan 15, no. 3 (2021): 565–74. http://dx.doi.org/10.30598/barekengvol15iss3pp565-574.

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The credit application process is one of a service that involves queues. This study aims to determine the design of the credit process application service system at the Lambang Ganda Serang Credit Bank using the Petri Net model. This study has 12 places, eight transitions, six operators, and 22 arcs of Petri Net model from credit application service system using Woped 3.2.0 version software
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20

Fadli, Jul Aidil. "SHOULD BANK DIVERSIFY THEIR INCOME AND CREDIT? EVIDENCE FROM INDONESIA BANKING INDUSTRY." KINERJA 23, no. 1 (2019): 28–41. http://dx.doi.org/10.24002/kinerja.v23i1.2124.

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This study aims to examine the effect of income and credit diversification toward bank risk and performance. In this study, diversification was measured using Adjusted Herfindahl-Hirschman Index (AHHI). Bank risk is measured by the standard deviation of ROA, standard deviation of ROE, Z-Score, Nonperforming Loan and Beta. Meanwhile, bank performance is measured by Return on Assets, Return on Equity, risk adjusted ROA and risk adjusted ROE. The robustness test completes this study by dividing the sample into low and high diversified bank. By using panel data of 53 listed and non listed Indonesi
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Kaphle, Deepak Prasad. "Comparative study on Credit Performance of NABIL Bank Limited and Nepal Bank Limited." Journal of Balkumari College 13, no. 1 (2024): 27–32. http://dx.doi.org/10.3126/jbkc.v13i1.69495.

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This study researches into the relationship between credit performance and profitability in Nabil Bank and Nepal Bank Limited. Employing linear multiple regression analysis on ten years of financial data (2013/14 - 2022/23), the research explores how credit-related factors influence a key profitability metric - Return on Assets (ROA). The analysis in SPSS software facilitates a comparison between the two banks, highlighting how credit variables exert varying degrees of influence on their ROA. Interestingly, credit factors hold a stronger explanatory power for Nabil Bank’s profitability. Conver
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Sohibien, Gama Putra Danu. "Application of threshold vector error correction model (TVECM) in describing adjustment of interest rate of working capital credit to BI rate movement." Journal of Science & Science Education 1, no. 2 (2017): 31–43. http://dx.doi.org/10.24246/josse.v1i2p31-43.

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Knowledge about bank behavior in adjusting the interest rate to BI rate movement is important not only for debtors to make a decision to borrow money, but also for government to know whether BI rate as a monetary policy tool success in influencing the movement of interest rate. The approach used for analyzing the data in this paper is TVECM. The data used in this paper are interest rate of working capital credit of conventional bank and BI rate of January 2008–July 2016. Bank is more agressive in correcting the disequilibrium by increasing the interest rate of working capital credit than decre
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Margaretha, Farah, and Adisty Adisty. "Factors That Affect Profitability of Banks Comparative Study between Indonesian and Hong Kong." KINERJA 21, no. 1 (2017): 88. http://dx.doi.org/10.24002/kinerja.v21i1.1036.

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The problem of this research was the influence of liquidity risk, net credit facilities to total assets ratio, total investment to total assets ratio, total equity to assets ratio, net credit facilities to total deposits ratio, cost to income ratio, and bank size toward return on assets. The objective of this research was to identify the factors that influence return of assets of banks listed in Indonesia Stock Exchange and Hong Kong Stock Exchange over the period 2012-2015. The methodology of this research was multiple linear regression which is tested by using classic assumption. Sample in t
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Kunwar, Bhojendra, and Govind Jnawali. "Impact of Macroeconomic and Bank-Specific Variables on the Profitability of Commercial Banks in Nepal." Lumbini Journal of Business and Economics 11, no. 2 (2023): 80–93. http://dx.doi.org/10.3126/ljbe.v11i2.64729.

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The study aims to investigate how macroeconomic and bank-specific factors affect Nepalese commercial banks’ profitability. The panel data were collected from 16 Nepalese commercial banks for the fiscal year 2006/07 to 2020/21. The bank’s profitability is measured by net interest margin (NIM) and return on assets (ROA). The bank-specific variables considered in this study are bank size, capitalization, credit risk, deposit-to-total-assets ratio, capital adequacy ratio, and credit-to-deposit ratio. In addition, interest rate, broad money supply, inflation rate, and growth rate of the GDP are use
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Brigida, Matt. "CREDIT DEFAULT SWAPS AND BANK SAFETY." Applied Finance Letters 11 (October 3, 2022): 19–27. http://dx.doi.org/10.24135/afl.v11i.594.

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In this analysis we find evidence that credit default swap (CDS) purchasesincrease bank safety. Specifically, we show banks which were net buyers ofCDS had smaller increases in loan loss reserves in response to the COVID-19crisis. Previous research had speculated that bank CDS purchases causedincreased risk-taking by banks which offset the effect of the hedge. This anal-ysis contributes to this literature on the effect of hedging on bank risk takingand capital structure. Moreover, since our results are consistent with CDSbeing effectively used to hedge, our results have implications for system
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Gochoco-Bautista, Maria Socorro. "Global liquidity, global risk appetite, and the risk of credit and asset booms." Philippine Review of Economics 57, no. 2 (2021): 146–69. http://dx.doi.org/10.37907/8erp0202d.

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This study examines the channels through which net cross-border bank flows and VIX, working through the domestic banking system, could potentially lead to the creation or exacerbation of credit and asset booms that may threaten financial stability. It uses bank firm-level data for the Philippines over the period 1991-2018. Among the study’s significant findings are the following: bank lending to the real estate and housing sector is consistently and significantly affected by net cross-border bank flows (NCBF); non-core bank liabilities is an important variable as it consistently affects the am
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Sitorus, Radot Angga. "Analysis of the Effect of Third Party Funds (DPK), Net Interest Margin (NIM), Non Performing Loans (NPL) on Total Loans in an Effort to Improve Bank Performance at PT. Central Kalimantan Bank." Journal Magister Ilmu Ekonomi Universtas Palangka Raya : GROWTH 7, no. 1 (2022): 25–37. http://dx.doi.org/10.52300/grow.v7i1.4511.

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The purpose of this study is to analyze the effect of third party funds (DPK), Net Interest Margin (NIM) and Non-Performing Loans (NPL) on total loans partially or simultaneously. This type of research is quantitative research using multiple linear regression analysis tools, the results of this study indicate that simultaneously third party funds, net interest margin and non-performing loans affect the total credit of PT. Central Kalimantan Bank. Partially, third party funds and non-performing loans have a significant effect on total credit. Meanwhile, net interest margin has no significant ef
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Widjanarko, Widjanarko, and Nurmelia Safitri. "Pengaruh Laba Bersih, Hutang Bank & Arus Kas Operasi Terhadap Kebijakan Dividen Pada Perusahaan Manufaktur Yang Terdaftar Di Bei Periode 2013 – 2015." Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) 1, no. 2 (2020): 50–63. http://dx.doi.org/10.55122/jabisi.v1i2.135.

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The Objective of this research to know the infuence of net profit, bank credit and the cashflow have a significant influence to divident payout in the manufacturing company that listing at the Indonesia Stock Exchange in 2013-2015. Data that used in this research using secondary data that published in website www.idx.co.id. It used the quantitative analysis method to do this research, by statistics like regression analysis and test of classic assumption. The result of this research show that the net profit, bank credit and the cashflow influenced the dividen Payout.
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Afrifa, Godfred Adjapong, and Ernest Gyapong. "Net trade credit: what are the determinants?" International Journal of Managerial Finance 13, no. 3 (2017): 246–66. http://dx.doi.org/10.1108/ijmf-12-2015-0222.

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Purpose The purpose of this paper is to extend the literature on trade receivables and trade payables by examining the determinants of net trade credit. Design/methodology/approach To do that, a sample of 67,047 firms in the UK with 443,190 firm year observations is used. Findings The results are robust to unobserved heterogeneity and industry effects. The evidence suggests that firms with more inventories, market share and are financially distressed invest less in trade credit. Moreover, higher operating cash flow, annual sales growth, export propensity, access to bank credit and larger firms
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David Gibson Nababan, Vetric Styven Silaban, Bunga Meylani Br Surbakti, Selvina Audina Nasution, and Sabda Siahaan. "Analysis of Bad Credit at PT. State Savings Bank (BTN)." Indonesian Journal of Business Analytics 3, no. 5 (2023): 1995–2010. http://dx.doi.org/10.55927/ijba.v3i5.4155.

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Bad credit (non-performing loans) at Bank BTN is a reason for investment decisions for the public and investors. By knowing bad credit in a company, it provides clearer information for making investments. This research was conducted to provide information about bad credit at BTN bank, which is one of the most trusted banks in Indonesia. It is hoped that this research will help the public increase their competency in how to invest through the value of bad credit or non-performing loans. This research aims to analyze the influence of bad credit on investment decisions at BTN bank. The research m
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Ogunsola, Oluwatosin Adetutu. "Bank-specific factors and non-performing loans in the banking sector: Comparative analysis of the Canadian and United States banking sector." International Journal of Innovative Research and Scientific Studies 8, no. 3 (2025): 4545–55. https://doi.org/10.53894/ijirss.v8i3.7546.

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This study aims to examine the nexus between bank-specific factors and non-performing loans, comparing the level of activities managers undertake towards non-performing loans, using data from Canadian and United States banks. There has been a lack of comparative studies researching the effect of bank-specific factors on non-performing loans in Canada and the United States in a single study of lending behavior and the extent of manager efficiency in mitigating the issue of non-performing loans. Consequently, in bridging the gap in the literature and contributing to knowledge, this study examine
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Kambalu, Elis Putri, and Dwi Susilowati. "ANALISIS PENYALURAN KREDIT PADA BANK UMUM BUMN TAHUN 2011-2020." Journal of Financial Economics & Investment 1, no. 3 (2021): 159–68. http://dx.doi.org/10.22219/jofei.v1i3.19181.

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Credit distribution activities have a very important role for the economy, namely to support development and to improve the welfare of the community, while for banks the main source of income comes from lending activities. The purpose of this thesis research is to determine the Effect of Third Party Funds, Net Interest Margin and Capital Adequacy Ratio on Credit Distribution at State-Owned Commercial Banks in 2011-2020. The data analysis technique used is Multiple Regression Analysis using panel data. The results obtained by the researchers are Simultaneously TPF, NIM, and CAR have an effect o
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Wolf, Rob, and Tom Aiuppa. "Instructional Model of Bank Portfolio Credit Risk and Return." Journal of Finance Issues 4, no. 1 (2006): 69–78. http://dx.doi.org/10.58886/jfi.v4i1.2471.

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The measurement of bank portfolio credit risk and risk-adjusted return is increasingly important to banking institutions. Banking curriculum needs to reflect this trend with instructional models that present and integrate these topics. This paper presents a model that allows students to experiment with the interaction of several components of credit risk, risk-adjusted return, and capital risk. It further provides a tangible estimate of the benefits of diversification and allocates these gains to the contributing loan division. Finally, the proposed model illustrates several factors affecting
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Lu, Wenling, and Judith Swisher. "A comparison of bank and credit union growth around the financial crisis." American Journal of Business 35, no. 1 (2020): 25–44. http://dx.doi.org/10.1108/ajb-03-2019-0017.

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PurposeThe purpose of this research is to examine the growth rates of commercial banks and credit unions around the financial crisis and recovery. Credit unions are analyzed as a group and by field of membership. Specifically, this research analyzes the growth rates of assets, deposits, and loans.Design/methodology/approachThis research employs univariate tests of differences to examine the median growth rates for commercial banks and credit unions. Unbalanced pool regressions analyze growth rates during the pre-crisis, crisis, and recovery periods, controlling for size, net charge-offs, and u
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Martín, Alberto, Enrique Moral-Benito, and Tom Schmitz. "The Financial Transmission of Housing Booms: Evidence from Spain." American Economic Review 111, no. 3 (2021): 1013–53. http://dx.doi.org/10.1257/aer.20191410.

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How does a housing boom affect credit to non-housing firms? Using bank, firm, and loan-level microdata, we show that the Spanish housing boom reduced non-housing credit growth during its first years, but stimulated it later on. These patterns can be rationalized by financial constraints for banks. Constrained banks initially accommodated higher housing credit demand by reducing non-housing credit. Eventually, however, the housing boom increased bank net worth and expanded credit supply. A quantitative model, disciplined by our cross-sectional estimates, indicates that the crowding-out effect w
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Almanaseer, S. R. "Internal Factors affecting commercial banks Profitability in Jordan." Finance: Theory and Practice 26, no. 5 (2022): 79–89. http://dx.doi.org/10.26794/2587-5671-2022-26-5-79-89.

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The research aims to look into the factors that influence Jordanian commercial banks profitability.A sample of 13 commercial banks out of 16 listed on the Amman Stock Exchange for 2011–2020 was selected to achieve this goal.The study variables were analysed using the E-Views software for descriptive analysis, correlation analysis, and simple and multiple linear regression analyses.The study shows that when the independent factors had integrated, they impacted the dependents factor, reflecting on Return on Assets. The net credit interest to net credit facilities ratio positively affects, in con
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Alnaa, Samuel Erasmus, and Juabin Matey. "Implications of financial leverage for bank profitability in Ghana." Journal of Accounting, Business and Finance Research 17, no. 2 (2023): 55–63. http://dx.doi.org/10.55217/102.v17i2.709.

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The complexity of the relationship between debt and equity financing models and their impacts on bank profitability in the Ghanaian banking sector cannot be overemphasized. This study examines the impacts of the two financing models on bank profitability. Emphasis is placed on the importance of credit risk, liquidity risk, and capital adequacy when making financing decisions. To measure bank profitability, the research employs two key metrics: Risk-adjusted return on assets (RAROA) and risk-adjusted return on equity (RAROE). These metrics indicate how well banks are performing financially. An
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Safitri, Julia, Ana Kadarningsih, Maaz Ud Din, and Sri Rahayu. "THE EFFECT OF CREDIT RISK AS A MEDIATOR BETWEEN LIQUIDITY AND CAPITAL ADEQUACY ON BANK PERFORMANCE IN BANKING COMPANIES LISTED ON THE IDX." Jurnal Penelitan Ekonomi dan Bisnis 5, no. 2 (2020): 152–61. http://dx.doi.org/10.33633/jpeb.v5i2.3550.

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Liquidity is one of the main factors faced by banking companies because its main relationship is channeling funds from third parties with bank performance. This study aims to examine credit risk which is proxied by Raroc (return adjusted on risk capital) as a mediator of the effect of liquidity (loan to deposit ratio) on the bank performance (return on assets). The analytical tool used in this study is SEM-WarpPLS 5.0, this study shows that credit risk can mediate the effect of liquidity on bank performance. This shows that the greater the credit risk, the smaller the bank's performance.Keywor
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Kitsu, Yuriy, Oleg V. Sokolinskiy, and Jonathan H. Wright. "Market Effects of Central Bank Credit Markets Support Programs in Europe." International Finance Discussion Paper 2022, no. 1357 (2022): 1–37. http://dx.doi.org/10.17016/ifdp.2022.1357.

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Using responses of credit default swap indexes to ECB monetary policy announcements, we isolate a novel credit policy component of monetary policy surprises. We examine how such unconventional monetary policy surprises affect investor perceptions of credit risk and the functioning of primary corporate debt markets. Favorable credit surprises cause declines in uncertainty about credit risk and suggest a more stable outlook on its dynamics over the following months. Both net and gross corporate bond issuance increase as a result of favorable credit surprises, with the largest response in investm
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Serly, Serly. "Analyzing The Effect Of Bank Characteristic On Profitability In Banking Companies Listed In Indonesia Stock Exchange." EKONIKA Jurnal Ekonomi Universitas Kadiri 6, no. 1 (2021): 100. http://dx.doi.org/10.30737/ekonika.v6i1.939.

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This research is conducted to analyze the effect of bank characteristics on go public banks’ profitability in Indonesia. Return on asset, return on equity, and net interest margin are dependent variables in this research and involves five types of banking risks (credit, liquidity, security, capital, and insolvency), bank size and diversification, and cost efficiency. Research objects of this research are banking companies listed on Indonesian Stock Exchange (IDX). The research data is financial data issued by IDX from 2014 to 2018. Observation data collected in this research is processed using
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Yolanda, Ayulia, and Sri Ulfa Sentosa. "Financial Development Analysis of Economic Growth in ASEAN." ENDLESS: INTERNATIONAL JOURNAL OF FUTURE STUDIES 6, no. 3 (2023): 58–66. http://dx.doi.org/10.54783/endlessjournal.v6i3.200.

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This study aims to analyze the effect of domestic credit to private sector, bank overhead cost to total assets, stock prices volatility and loand net bank to GDP on economic growth in ASEAN, research countries include Indonesia, Malaysia, Thailand, the Philippines and Vietnam during the period 2001-2020 by applying the panel equation analysis method. An important finding in this study is that domestic credit to the private sector has a negative and significant impact on economic growth in ASEAN, while bank overhead costs to total assets affect economic growth positively and significantly in AS
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Damanik, Julia Hartaty. "The Influence of Credit Risk Level, Liquidity Risk on Profitability with Operational Efficiency Level as an Intervening Variable (Case Study on Conventional Commercial Banks KBMI 3 and KBMI 4 Listed on the IDX in 2021-2024)." Formosa Journal of Multidisciplinary Research 4, no. 4 (2025): 1893–912. https://doi.org/10.55927/fjmr.v4i4.155.

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The goal of this study is to assess the impact of credit risk and liquidity risk on profitability with the level of operational efficiency as an intervening variable, at Conventional Commercial Banks Bank Group Based on Core Capital3 and Bank Group Based on Core Capital4 listed on the IDX in 2021-2024. Data obtained from secondary data from annual reports of financial institution companies listed in 2021-2024. This research method uses the SEM-PLS 4.0 analysis technique. This study's hypothesis is based on past research and a variety of supporting theories. The findings of this study show that
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Haryanto, Sugeng, Eko Aristanto, Prihat Assih, Zainal Aripin, and Yanuar Bachtiar. "Loan to Deposit Ratio, Risiko Kredit, Net Interest Margin dan Profitabilitas Bank." AFRE (Accounting and Financial Review) 4, no. 1 (2021): 146–54. http://dx.doi.org/10.26905/afr.v4i1.6154.

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This study aims to analyze the effect of loan to deposit ratio, credit risk on profitability and net interest margin as moderating variables. The research was conducted on the national banking industry. The research population is the banking industry that goes public on the Indonesia Stock Exchange. The sampling technique used was purposive sampling. The research period is 2017-2019 with a sample of 37 banks. The number of pairs of data analyzed was 111 data. The data analysis technique used moderated regression analysis (MRA), with Net Interest Margin as the moderating variable. The results s
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Yosy Meliyana Batubara and Anggi Pratama. "Analysis of Internal Control System In Granting Credit In Pt. Bank Mandiri KCP Medan Belawan." Rowter Journal 1, no. 2 (2022): 86–95. http://dx.doi.org/10.33258/rowter.v1i2.680.

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This study aims to analyze the internal control system in providing credit at pt. Bank Mandiri KCP Medan Belawan and what actions were taken by the relevant departments in overcoming fluctuations in total credit, gross NPL, net NPL, and the ratio of core debtors to total credit at PT. Bank Mandiri (Persero) Tbk. 2016-2020 so as to be able to fulfill the entire process of providing credit without compromising the internal control system. This research was conducted using a descriptive method. Data collection techniques were carried out by means of interviews, studying documents and records abou
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Dwitanto, Ardo Ryan, Adler Haymans Manurung, and Nera Marinda Machdar. "Determinants of Net Interest Margin in Indonesian Banking Industry: The Moderating Role of Central Bank Interest Rate." Journal of Business, Management, and Social Studies 3, no. 2 (2023): 66–78. http://dx.doi.org/10.53748/jbms.v3i2.59.

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This article is to examine the relationship between net interest margin (NIM) and its determinants: risk averse level, liquidity risk, and credit risk. In addition, the article aims to investigate the moderating role of central bank interest rate on the relationship. We observe 17 Indonesian banks, which are listed on Indonesia Stock Exchange in 2017 – 2021 period. We run panel data regression model with 380 firm-year total observations. The Hausman test suggests that we use Random Effect Model (REM) for the parameter estimation. Our study confirms that NIM is determined by credit risk, liquid
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Weale, Martin. "Data on the Credit Crunch." National Institute Economic Review 207 (January 2009): 71–72. http://dx.doi.org/10.1177/0027950109103681.

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One might expect bank borrowing to rise during a recession as businesses seek extra credit to tide them over; the data have to be seen in this context. Indeed, in the 1990s recession lending by banks adjusted for inflation continued to rise (with one interruption) until almost the end of the recession. However, recently lending to UK businesses has been declining, as figure 1 shows. This indicates lending by UK and foreign banks to non-bank businesses with data available up to the end of the third quarter of 2008 after deflating with the GDP deflator.
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Dhungel, Bidur. "Impact of Credit Diversification on Credit Risk of Nepalese Commercial Banks." Nepalese Journal of Economics 8, no. 4 (2024): 215–31. https://doi.org/10.3126/nje.v8i4.79757.

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This study examines the impact of credit diversification on the credit risk of Nepalese commercial banks. Non-performing loan and net interest margin are the selected dependent variables. The selected independent variables are loan to deposit ratio, overdraft loan, term loan, deprived sector loan, real estate loan and staff loan. The study is based on secondary data of 13 commercial banks with 104 observations for the study period from 2015/16 to 2022/23. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, reports published by Ministry of Finance and a
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Saskya Octarina, Amalinda, and Rifki Khoirudin. "Analisis peran kredit investasi terhadap pertumbuhan ekonomi di Indonesia." Jurnal Paradigma Ekonomika 17, no. 2 (2022): 341–60. http://dx.doi.org/10.22437/jpe.v17i2.15652.

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This study aims to analyze the role of investment credit in banking on economic growth. This study uses several variables, such as: investment credit, inflation, human development index, and central bank interest rates. The time span used in this study is thirty-one years from 1990-2020. This study uses quantitative methods. Based on the results of data analysis, it is concluded that the inflation variable, human development index, and the central bank interest rate together have a significant effect on the economic growth variable, while the investment credit variable has no significant effec
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Permatasari, Anita. "Analisis Pengaruh Net Interest Margin Dan Non Interest Income Terhadap Return On Asset Pada Badan Usaha Perbankan Di Bursa Efek Indonesia." BIP's JURNAL BISNIS PERSPEKTIF 6, no. 1 (2014): 65–73. http://dx.doi.org/10.37477/bip.v6i1.74.

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The primary objective of this study is to determine which dominant factor to influence the profitability of banks in Indonesia. There are the two main factors that affect the profitability of the banks. The first one is Net Interest Margin as lo known as NIM and the second one is Non Interest Income also known as NII. Firstly, bank is in charge of collecting funds from the people and to channel it back to the community for various purposes. By doing this, Net Interest Margins are generated by the difference between saving rate and credit rate. Secondly, bank gains Non Interest Income by chargi
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M.S. Choi, Paul, and Seth H. Huang. "Is too much competition bad for the industry? A Taiwanese banking case." Investment Management and Financial Innovations 13, no. 2 (2016): 128–40. http://dx.doi.org/10.21511/imfi.13(2-1).2016.01.

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The authors examine the relationship between net interest margin, a measure of banks’ pricing power, and lending market shares in the environment of regulation changes in Taiwan from 1991 to 2009. Specifically, the effect on net interest margins from mandatory industry consolidation is studied in depth. The authors find that firm market shares in the first period have positive and highly significant impacts on the bank profitability, but for the second period, the authors find increased non-performing loans. During the second period, the credit lending market share became a main profit compone
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