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Journal articles on the topic 'Assessment of the bank's financial condition'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Fauji, Aa Ahmad. "Kinerja Bank Syariah Pada Masa Pandemi Covid-19 Menggunakan Metode RGEC." Eqien - Jurnal Ekonomi dan Bisnis 12, no. 04 (2023): 451–61. http://dx.doi.org/10.34308/eqien.v12i04.1644.

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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 Governan

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2

Mrvaljević, Mirjana, Jasminka Đuričanin, and Nenad Kojić. "Financial analysis as a comprehensive analytical examination of bank operations." Ekonomski signali 17, no. 2 (2022): 149–68. http://dx.doi.org/10.5937/ekonsig2202149m.

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Financial The analysis of the bank's financial statements is focused on the assessment of its financial condition and the achieved result, development and further perspective. In addition to the data contained in the financial statements, the analysis also uses data from accounting records and other sources. The very essence of financial analysis is the calculation of relative indicators and their comparison with each other. Banking management, current and potential owners of the bank, investors, depositors, the public and others interested in the bank's performance are sympathetic to the prac

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3

Kusnanto, Amir. "RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC) METHOD SEBAGAI INSTRUMEN PENGUKUR TINGKAT KESEHATAN PERBANKAN SYARIAH DI INDONESIA." JURNAL ADMINISTRASI BISNIS 6, no. 2 (2018): 124. http://dx.doi.org/10.14710/jab.v6i2.16614.

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Bank Indonesia perfected the Bank's health assessment method from CAMELS to RGEC method which includes factors of Risk Profile, Good Corporate Governance, Earning, and Capital in accordance with Bank Indonesia Circular Letter No.13 / 24 / DPNP dated October 25, 2011 on Assessment Health Level of Commercial Banks. Such adjustments need to be made so that the bank soundness rating can be more effectively used as a tool to evaluate the bank's financial performance. The results of the analysis on the Rating of Health Level at Bank Syariah Mandiri, Bank BRI Syariah, Bank Syariah Bukopin, BCA Syaria

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4

Baktybaeva, D. S., A. M. Karipova, and D. Kh Sagandykova. "ANALYSIS OF THE LARGEST BANK OF KAZAKHSTAN – JSC «HALYK BANK OF KAZAKHSTAN»." Vestnik of M. Kozybayev North Kazakhstan University, no. 4 (52.1) (June 15, 2023): 71–76. http://dx.doi.org/10.54596/2309-6977-2021-4-71-76.

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Banks are an integral part of the modern monetary economy, their activities are related to the needs of reproduction. Banks form the basis of the market mechanism by which the country's economy operates. Commercial banks are designed to regulate the flow of all cash flows, primarily credit, to help ensure the most rational use of society's financial resources and the flow of capital to those sectors of the country's economy where the return on investment will be maximum. Determining the real state of the Bank is of great importance not only for the Bank itself, but also for numerous shareholde

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5

Ana Dwi Pertiwi. "THE SOUNDNESS LEVEL ASSESSMENT OF PT BANK PAN INDONESIA TBK USING RISK-BASED BANK RATING IN 2018-2022." International Journal Management and Economic 3, no. 1 (2024): 33–43. http://dx.doi.org/10.56127/ijme.v3i1.1177.

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The financial industry is crucial for a nation's growth and well-being, with banks playing a vital role in utilizing financial resources. The soundness of a bank is essential, with stakeholders including shareholders, bank management, customers, and the general public involved. Maintaining soundness is paramount for financial institutions like banks, as internal risk can affect the bank's financial status. This study examines the financial report of PT Bank Pan Indonesia Tbk for 2018-2022. The research uses historical data and descriptive data analysis methodology, analyzing financial statemen

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6

Yehorycheva, Svitlana Borysivna, and Oksana Sergiivna Vovchenko. "TRANSFORMATION OF BANKS’ RISK MANAGEMENT SYSTEM AS A PREREQUISITE FOR ENSURING THEIR FINANCIAL STABILITY." Scientific bulletin of Polissia, no. 3(19) (2019): 56–63. http://dx.doi.org/10.25140/2410-9576-2019-3(19)-56-63.

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Urgency of the research. The importance of the problem of ensuring the financial stability of banks has grown significantly after the global financial crisis, and in Ukraine it has become relevant again since 2014. The situation of economic turbulence has led to a radical revision of the determinants of financial stability, as well as conceptual approaches to risk management of the bank. Target setting. Currently, the banking sector is on the verge of implementing internal capital adequacy assessment procedures (ICAAP), which determines the practical significance of substantiating the areas of

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7

Марина, Анна, Ганна Мирошниченко, and Леонід Катранжи. "ASSESSMENT OF THE EFFICIENCY OF THE BANK'S FINANCIAL CONTROLING SYSTEM." Mechanism of an economic regulation, no. 1(99) (March 10, 2023): 46–51. http://dx.doi.org/10.32782/mer.2023.99.08.

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The financial sector is currently developing at the most dynamic pace, at the same time, this development is characterized by the largest and most extensive operational risks. This causes financial institutions to pay more attention to modern asset, risk and competitiveness management systems. Financial controlling in this aspect is a comprehensive system of increasing the effectiveness of the functioning of financial institutions and increasing their competitiveness in the medium and long term. The main problem of the implementation of financial controlling is the lack of qualified specialist

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Devi, Heidy Paramitha. "Pengaruh Rasio Kesehatan Bank (CAR, NPF, FDR, BOPO) Terhadap Return On Assets pada Bank Umum Syariah di Indonesia." Owner 5, no. 1 (2021): 1–11. http://dx.doi.org/10.33395/owner.v5i1.312.

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Banking financial performance is reflected in their financial reports. Assessment of bank performance can be measured through financial ratio analysis approaches, one of which is the ratio of the bank's ability to generate profits or ROA. In generating good profits, a bank must be said to be healthy, the bank's health ratio which can describe the bank's health condition includes the level of capital adequacy, liquidity ratios, and bank operating expense ratios. The aims of the research are to find out and analyze the influence of the level of bank health ratio on the financial performance of S

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9

Arkadeva, Olga G., and Mariya A. Petrova. "Assessment of the Investment Attractiveness of VTB Bank Shares." Oeconomia et Jus, no. 4 (December 25, 2024): 15–32. https://doi.org/10.47026/2499-9636-2024-4-15-32.

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The study of VTB Bank's investment attractiveness is undoubtedly relevant due to the fact that deterioration of the geopolitical situation, the bank's inclusion in the sanctions list, as well as tightening of the monetary policy of the Bank of Russia, a pronounced weakening of the national currency had a negative impact on the activities of this commercial bank, the second most important for the Russian banking system, and in 2022 it received a record the loss; in addition, the bank's equity was significantly affected. In 2023, VTB Bank's operations began to recover, and in 2024, the bank carr

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10

SULTANBAIULY, Serik, Arsen NASYRHANOV, Yury KHAN, Karlygash KENENOVA, Ruslan KONUSPAYEV, and Assylbek BAZARBAYEV. "The Influence of the Financial and Banking Sector on the Development on the Tourism Industry in the Context of the Crisis of the Global Economic System." Journal of Environmental Management and Tourism 13, no. 4 (2022): 1100. http://dx.doi.org/10.14505/jemt.v13.4(60).16.

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The article discusses how the conditions and influence of the financial system, including the banking sector, on the development of tourism in the conditions of the crisis of the global economic system are changing. A modern analysis of the state of the banking sector, indicators of assets and liabilities of second-tier banks, and the share of tourism in the formation of GDP has been carried out. Assessment of the current state of the credit activity of commercial banks in Kazakhstan, economic and mathematical forecast of its further development, development of proposals to improve the efficie

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11

Syahrir, Dimas Kenn, M. Nadratuzzaman Hosen, and Ickhsanto Wahyudi. "BANK NTB SYARIAH'S SOUNDNESS: A MULTI-METHOD ASSESSMENT USING CAMELS, RGEC, AND ALTMAN Z-SCORE." JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). 10, no. 3 (2023): 1759–73. http://dx.doi.org/10.35794/jmbi.v10i3.50412.

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This paper endeavors to appraise the level of stability of Bank NTB Syariah during the time span of 2019 to 2021, by employing the CAMELS technique (which scrutinizes the bank's Capital, Assets, Management, Earnings, Liquidity, and Market Sensitivity), RGEC (which assesses the Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital), as well as the Altman Z Score method (which analyzes the potential for bankruptcy). The data utilized for this research were procured through the application of documentation techniques and sourced from the financial statements and annual reports of B

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12

Oktarina, Hani, and Citra Indah Merina. "Analisis Penilaian Kinerja Keuangan Menggunakan Metode Rgec Pada Bank Swasta Periode 2020-2022." Jurnal Ekonomika Dan Bisnis (JEBS) 4, no. 5 (2024): 1009–20. http://dx.doi.org/10.47233/jebs.v4i5.2048.

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This research aims to assess the financial performance of national private commercial banks during the 2020-2022 period using the RGEC method, which includes Risk Profile, Good Corporate Governance (GCG), Financial Performance and Capital. Evaluation of bank health is carried out through financial ratios: NPL and LDR for Risk Profile, self-assessment for GCG, ROA, ROE, NIM, and BOPO for Financial Performance, and CAR for Capital. Research findings show that in 2020, these banks were categorized as "very healthy" (PK-1), remained with the "very healthy" (PK-) title in 2021, and decreased to "ve

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13

Dyakonova, O. S., and N. V. Kovaleva. "ASSESSMENT OF THE FINANCIAL CONDITION OF RUSSIAN BANKS AND WAYS TO IMPROVE." Vestnik Universiteta, no. 1 (March 23, 2020): 137–43. http://dx.doi.org/10.26425/1816-4277-2020-1-137-143.

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The indicators, necessary for the improvement of the system of assessment of the financial condition of the banks of Russia, have been analyzed. The reasons of inefficient assessment of the bank’s activity results and the resulting negative consequences have been considered. The hypothesis about the necessity of application of methods of forecasting at acceptance of strategically important administrative decisions and expert estimation of a current situation for avoidance of the critical situations, leading to bankruptcy and insolvency in the sphere of bank activity has been put forward. The m

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14

Serhiienko, Olena, Nataliia Volosnikova, Valeriia Kochorba, Yuliіa Yehorova, and Yuliya Kolomiiets. "MODERN INSTRUMENTAL APPROACHES TO MODELLING THE COMMERCIAL BANK’S FINANCIAL INVESTMENT POLICY." Financial and credit activity problems of theory and practice 6, no. 59 (2024): 195–212. https://doi.org/10.55643/fcaptp.6.59.2024.4486.

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The article considers a complex of modern analytical approaches to the systematic modelling of the commercial bank's financial investment policy based on international practice. The authors examine the key aspects of modelling and analytical technologies that determine the strategic decisions of banking institutions in the field of financial investment, in particular, taking into account global economic and financial trends.The article highlights model and methodological approaches and tools used to analyze and forecast market conditions, risks and profitability in the context of banks' financ

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15

Chkheailo, Anna, and Diana Kukhar. "FINANCIAL STABILITY AND RESISTANCE OF BANK IN THE CURRENT CONDITIONS OF MARTIAL LAW." 3, no. 3 (October 31, 2022): 7–15. http://dx.doi.org/10.26565/2786-4995-2022-3-01.

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The article examines the theoretical foundations of financial stability and stability of a banking institution, examines the main interpretations of approaches to defining the concept of "financial stability". The relationship between the concepts of "financial stability" and "financial stability" was studied, and as a result, it was determined that ensuring the financial stability of banks is the basis of a stable banking system, a key to the success of economic transformations and macroeconomic development. Indicators of financial stability and financial stability of the bank, using JSC CB "

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16

LEVCHENKO, Valentyna, and Mykyta CHERNYSHOV. "Possibilities of managing the bank's financial security based on the five-petal model." Economics. Finances. Law 12/2024, no. - (2024): 34–39. https://doi.org/10.37634/efp.2024.12.7.

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The paper is devoted to the analysis of methods and approaches to ensuring the financial security of banking institutions. The purpose of the paper is to study theoretical and practical approaches to managing the financial security of a bank using the five-petal model and develop methodological recommendations for their practical application. As a result of the research, it was established that the banking sector of Ukraine, despite the war that has begun, continues to operate smoothly, while implementing measures to strengthen its stability, strength and security. It is determined that the fi

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17

Stepanenko, Sergii, and Alina Rychyk. "THEORETICAL FUNDAMENTALS OF BANKING CAPITAL FORMATION." Ukrainian Journal of Applied Economics 5, no. 3 (2020): 92–99. http://dx.doi.org/10.36887/2415-8453-2020-3-9.

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Introduction. Banks are an important component of the country's economy. Thanks to banks there is an accumulation, storage, redistribution of funds between participants of market relations. The efficiency of banks depends on the formation and use of bank capital. Bank capital is of local, regional and national importance – it ensures the profitability of an individual bank, affects the development of the region and the investment attractiveness of the country. The purpose of the research is to develop a theoretical and methodological basis for assessing the bank's capital, taking into account

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18

Lyubov Petyk, Lyubov Petyk. "ASSESSMENT AND WAYS TO MINIMIZE THE FINANCIAL RISKS OF THE BANKING SECTOR UNDER FINANCIAL INSTABILITY." Socio World-Social Research & Behavioral Sciences 14, no. 04 (2023): 66–71. http://dx.doi.org/10.36962/swd14042023-66.

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The article is devoted to the assessment of financial risks of the banking sector, their impact on the activity of banks and their minimization in conditions of economic instability. The banking sector is a key link that ensures the development of the financial system, but banking activity is risky. Therefore, it is important to study banking risks and ways to minimize them in order to increase the efficiency and stability of the banking system. The article provides a classification of banking risks in accordance with domestic literature. Factors due to which banking institutions are exposed t

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19

Shah, Urvi Naresh, and Mithilesh Gupta. "Loopholes in the Indian Banking System concerning Non-Performing Assets (NPAs) – A Case Study of “Axis Bank and HDFC Bank”." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 03 (2024): 1–9. http://dx.doi.org/10.55041/ijsrem29262.

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Abstract -The paper presents a comparative case analysis of two leading banks, Axis Bank and HDFC Bank. The rising tide of Non-Performing Assets (NPAs) in the banking sector is a major threat to financial stability and economic progress. The case study uncovered severe deficiencies in risk management, credit evaluation, and regulatory compliance, which have resulted in a considerable accumulation of Non-Performing Assets. The banks' exposure to economically sensitive sectors amplifies the impact of downturns on asset quality. The limitations in credit risk assessment underline the necessity fo

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20

Kolomiiets, Yuliya. "Instrumental strategies for currency risk assessment in the bank risk management system." FINANCIAL AND CREDIT SYSTEMS: PROSPECTS FOR DEVELOPMENT 4, no. 15 (2024): 107–27. https://doi.org/10.26565/2786-4995-2024-4-09.

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Currency risk is one of the dominant risk factors that financial institutions constantly face, especially in the context of globalisation and integration of financial markets. Its relevance is significantly increased by the high volatility of exchange rates, political instability and other macroeconomic turbulences that characterise the modern economic environment. Inadequate assessment and management of foreign exchange risk can lead to significant financial losses for a banking institution and, in some cases, to its failure.Modern trends in the development of financial markets, such as the g

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21

Briliantoro, Savanero, and Saryadi . "PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), BEBAN OPERASI PENDAPATAN OPERASI (BOPO) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP NET INTEREST MARGIN (NIM) (Studi pada Bank Umum Swasta Nasional Devisa dengan Manajemen Konvensional yang T." Jurnal Ilmu Administrasi Bisnis 10, no. 3 (2022): 1247–63. http://dx.doi.org/10.14710/jiab.2021.32054.

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Abstract: Banking is an institution that brings together those who need funds and those who have funds. One of the bank's assessments is the level of efficiency with financial ratios that can be seen in the financial statements. The level of efficiency is described by the NIM ratio. Based on data obtained from 18 Conventional Foreign Exchange National Private Commercial Banks, only 4 banks have NIMs in the healthy category (>6%), while other banks have NIMs in the unhealthy category (<6%). To maintain NIM in a healthy condition, it is necessary to know what factors influence it. This stu

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Aprilliani, Sherlly, and Andi Hasryningsih Asfar. "KOMPARASI PENILAIAN TINGKAT KESEHATAN BANK DITINJAU DARI GOOD CORPORATE GOVERNANCE (GCG) PADA PT.BANK RAKYAT INDONESIA (Persero) Tbk DAN PT.BANK TABUNGAN NEGARA Tbk." Jurnal Bina Bangsa Ekonomika 14, no. 2 (2021): 431–38. http://dx.doi.org/10.46306/jbbe.v14i2.101.

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The health of a bank is the ability of a bank to conduct operational activities or assessment of a bank's financial statement conditions in a certain period in accordance with Bank Indonesia standards, simply the health of the bank is a bank that can carry out its functions properly and can maintain public trust. The purpose of this study is to find out the comparison of bank health level assessments reviewed from The Bank's Good Corporate Governance (GCG) in BRI and BTN in 2016-2018. The method used is comparative descriptive i.e. research that compares the presence of one or more variables o

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23

Ilyukhina, Marina V., Roman Yu Cherkashnev, and Alena Yu Fedorova. "Assessment of the Sustainability of a Commercial Bank and Ways to Increase it." Proceedings of the Southwest State University. Series: Economics, Sociology and Management 11, no. 5 (2021): 171–81. http://dx.doi.org/10.21869/2223-1552-2021-11-5-171-181.

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Relevance. Financial condition plays a key role in the functioning of a banking institution. It reflects the organization's ability to finance its ongoing operations and maintain solvency. In this connection, the assessment of the financial stability of the organization and the search for ways to strengthen it are the most important task of any commercial bank. The purpose of the presented study is to study the financial stability of a commercial bank, factors that have a direct impact on the stability of the finances of a banking institution, as well as to develop ways to improve the financia

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Duc Tung, TRAN. "ASSESSMENT OF COMPETITIVENESS OF VIETNAMESE BANKING SYSTEM UNDER GLOBALIZED FINANCIAL CONDITION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 12 (2020): 118–24. http://dx.doi.org/10.36871/ek.up.p.r.2020.12.01.016.

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In the context of financial globalization, commercial banks have to face fierce competitions from domestic and foreign banks. This requires Vietnamese banking system to actively prepare to participate in the integration and competition process. The article assesses the competitiveness of Vietnamese commercial banks in the modern period, and at the same time gives recommendations to improve the competitive abilities of the banking system to maintain the existing market share and developing new markets strategies.

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Kovalenko, Victoria, Valeria Kochorba, and Nelya Koval. "STUDY OF THE CURRENT STATE OF THE CREDIT PORTFOLIO OF UKRAINIAN BANKS AND THE EFFICIENCY OF ITS MANAGEMENT." Financial and credit systems: prospects for development, no. 1 (July 26, 2021): 7–16. http://dx.doi.org/10.26565/2786-4995-2021-1-01.

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In conditions of intensified competition, banks, expecting a profit, can place their assets in high-risk instruments, which can lead to loss of liquidity and solvency. The responsibility of the bank's management for the strategic goals of the bank's financial development is growing. Under these circumstances, the role of theoretical and practical aspects of the formation of the bank's financial strategy increases. But it should be remembered that the basis of financial stability and strategic development is the formation of an effective credit policy, which can provide a clear strategy. The st

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An Suci Azzahra and Meigia Nidya Sari. "RGEC Method: Assessment Of Bank Health Levels At PT Bank Tabungan Negara (PERSERO) Tbk. Before And After Covid-19." Brilliant International Journal Of Management And Tourism 4, no. 1 (2024): 194–213. http://dx.doi.org/10.55606/bijmt.v4i1.2811.

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This study aims to determine the health level of PT Bank Tabungan Negara (Persero) Tbk before and after Covid-19 from the point of view of the RGEC analysis model (Risk Profile, GCG, Earning, and Capital) by analyzing the entire financial statements. The research method used in this study is to use a descriptive model of PT Bank Tabungan Negara (Persero) Tbk before (2017-2019) and during covid-19 (2020-2022). The data was then obtained by researchers using documentation techniques where the data used were financial reports to be analyzed by the Risk method (Risk-based Bank Rating) based on ass

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27

Artemenko, Dmytro. "Assessment of Leading Indicators of State Regulatory Policy in the Banking Sector." Herald of the Economic Sciences of Ukraine, no. 1(40) (2021): 147–52. http://dx.doi.org/10.37405/1729-7206.2021.1(40).147-152.

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The article, based on the generalization of domestic and international experience in assessing the leading indicators of regulatory policy in the banking sector, formed proposals to determine the financial condition and risk of bankruptcy of the bank. It is proposed to supplement prudential banking supervision, based on tracking the economic standards of individual banks, with models of discriminant analysis for a comprehensive determination of the financial condition and risk of bankruptcy of banks. The built-in reference matrix of discriminant analysis of the level of financial condition and

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Balatskyi, Y., and V. Murka. "PROBLEMARY ASPECTS OF FINANCIAL AND ECONOMIC SECURITY OF COMMERCIAL BANKS." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 7–13. http://dx.doi.org/10.21272/1817-9215.2019.1-1.

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The article substantiates the issue of important aspects of financial and economic security of commercial banks. In order to maintain the financial and economic security of the bank, it is important to comply with a number of conditions. Such conditions include an adequate level of liquidity, securing loan repayments, increasing bank profitability and minimizing banking risks. Models and methods by which the level of financial and economic security of banks are evaluated are analyzed and systematized in the article. All available models are reduced to an economic security assessment, as the ba

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Agarkova, Lyubov V., Olga V. Elchaninova, Raisa I. Safiullaeva, and Elvira A. Rusetskaya. "INVESTIGATION OF THE SENSITIVITY OF A COMMERCIAL BANK TO MARKET RISKS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/17, no. 153 (2024): 157–66. https://doi.org/10.36871/ek.up.p.r.2024.12.17.020.

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The financial condition plays a key role in the functioning of a credit institution, since its analysis reveals the bank’s ability to finance its current activities and maintain solvency, which confirms the relevance of conducting assessment diagnostics in terms of determining the financial stability of commercial banks. Indicators diagnosing financial stability are the most important components of the characteristic of the financial component and performance results of a commercial bank. The financial stability of a commercial bank provides it with significant advantages in the market, which

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Shaar, Rima, Hassan Kato, and Ryan Fahmi Hikmat. "Predicting Value at Risk in Investment Portfolio Using Monte Carlo Simulation: The Case of The Syrian Internasional Islamic Bank." el-Jizya : Jurnal Ekonomi Islam 13, no. 1 (2025): 115–34. https://doi.org/10.24090/ej.v13i1.13803.

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This study applies a Monte Carlo simulation model to estimate the value at risk (VaR) for the Syrian International Islamic Bank's investment portfolio, aiming to assess potential risks and Information is provided for investment decisions making. Using 2024 portfolio data, the simulation, conducted with R-Studio, calculates the VaR to identify credit risks and guide strategic decision-making. The results indicate that the potential future loss for the portfolio may exceed the projected losses from individual loans. Based on these findings, the study recommends that the Bank reduce its funding i

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Tijjani Muhammad and Abatcha Melemi. "Assessment of 5Cs Relationship towards Credit Risk Management: Evidence from Islamic Banks." Journal of Islamic Finance 10, no. 1 (2021): 76–89. https://doi.org/10.31436/jif.v10i1.564.

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This study aims to provide a new approach to assess the Character, Capacity, Capital, Condition, and Collateral (5Cs) variables towards the Islamic Bank Credit Risk Management from the Islamic Banks in Nigeria. The study used a quantitative approach using a structured questionnaire; 310 individuals participated. Data are sourced from Islamic Bank staff, customers of Islamic Bank, experts from financial institutions and some Shariah scholars of the advisory board of Islamic banks. The study employed structural Equation Modeling (SEM), using AMOS and SSPS, are used for analysis. The results indi

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Patuteuogo, Rijul, and Melvie Paramitha. "Analisis Rasio Cael Untuk Menilai Tingkat Kesehatan Pada Bank Nasional Yang Diakuisis Investor Asing Pada Periode 2019-2021." ETNIK: Jurnal Ekonomi dan Teknik 2, no. 10 (2023): 913–24. http://dx.doi.org/10.54543/etnik.v2i10.251.

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Research Analysis of the CAEL Ratio to Assess the Health Level of National Banks Acquired by Foreign Investors in the 2019-2021 Period. This study is entitled "CAEL Ratio Analysis to Assess the Health Level of National Banks Acquired by Foreign Investors in the 2019-2021 Period". CAEL Ratio Analysis is an analysis conducted to assess the health level of banks. The bank's health is the result of qualitative research on various aspects that affect the condition or performance of banks through an assessment of the Capital, Assets, Earnings, and Liquidity factors toward market risk. The purpose of

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Cariniah, Cariniah, and Lasminiasih Lasminiasih. "Financial Performance Analysis using the Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) Method." Eduvest - Journal of Universal Studies 2, no. 4 (2022): 806–15. http://dx.doi.org/10.59188/eduvest.v2i4.422.

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The Indonesian economy at this time cannot be separated from financial services such as banking. Banks on a daily basis need to show their performance so that bank service users can see whether the bank is good or not. The purpose of this study was to compare the soundness of banks at PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk for the 2018-2020 period using the RGEC method. The object of this research is PT Bank Capital Indonesia Tbk and PT Bank Jago Tbk. The data used is quantitative data. The data source used is secondary data in the form of financial reports that have been published

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Kolesnik, Ya V. "The Effectiveness of Strategic Management of Banking: Statistical Assessment." Statistics of Ukraine 88, no. 1 (2020): 51–58. http://dx.doi.org/10.31767/su.1(88)2020.01.06.

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The analysis in focused on the factors and tendencies at the bank services market, determining the importance and necessity of investigating the issues related with performance enhancement of commercial banks. It reveals that an underlying condition for building a well-established and effective domestic bank system is orientation on satisfying the needs of the real economy and the population in bank products and services of high quality. A study of issues related with practical implementation of the mechanism for performance enhancement of commercial banks in Ukraine becomes necessary in view

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ТАРАСЕВИЧ, Наталія, та Кіріл КАРІМОВ. "МІЖНАРОДНИЙ ДОСВІД ОЦІНЮВАННЯ ЯКОСТІ БАНКІВСЬКИХ АКТИВІВ В КОНТЕКСТІ РИЗИКО-ОРІЄНТОВАНОГО ПІДХОДУ". Herald of Khmelnytskyi National University. Economic sciences 330, № 3 (2024): 231–35. http://dx.doi.org/10.31891/2307-5740-2024-330-34.

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The article examines the international experience of assessing the quality of bank assets in the context of a risk-oriented approach. It is noted that the quality of the assets of a banking institution can be defined as information about the properties and parameters of assets that ensure stable and reliable functioning of the bank as a system that allows for development, adaptation to internal and external changes in the market environment, and to perform certain functions in the country's economy. It was determined that the processes of integration in the banking sphere, the use of the lates

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Moh. Abd. Rahman. "METODE RGEC MENJADI TOLAK UKUR TINGKAT KESEHATAN BANK." Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah 3, no. 1 (2022): 104–16. http://dx.doi.org/10.55210/arribhu.v3i1.812.

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Background: Banks are the backbone of the economic and financial system in Indonesia as the channeling back of funds owned by excess economic units to economic units that need funds or deficits. The RGEC method is a structured way of assessing bank health compared to the previous valuation method, CAMELS. In article 2 paragraph (3) BI regulation No. 13/1 / PBI / 2011 concerning health assessment of commercial banks including risk profile, good corporate governance, earnings, and capital. Method: Document review is one of the research methods by comparing standards with financial statemen

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Rombe, Yusuf. "The Analysis of Financial Statements Performance: Case Studies PT. Bank Negara Indonesia (Persero)." Golden Ratio of Finance Management 1, no. 2 (2021): 87–100. http://dx.doi.org/10.52970/grfm.v1i2.53.

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The objectiveness of this study is to determine the level of growth in financial performance at PT. BNI (Persero) Tbk; starts from period 2013 to 2015. This assessment is carried out to determine how the bank's financial performance in the last few periods will be and what the conditions will be like in the coming period (forecast). That this will be useful in describing how financial performance has a vital role in a bank's business continuity so that in this study use descriptive qualitative approach. The result of this study is the growth in the financial performance is increasing from a li

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Шевченко, Наталія, and Марта Копитко. "PROBLEMS OF RISK MANAGEMENT AND CREDIT SECURITY OF BANKS IN CONDITIONS OF WAR AND ECONOMIC INSTABILITY." "Scientific notes of the University"KROK", no. 4(76) (December 31, 2024): 287–94. https://doi.org/10.31732/2663-2209-2024-76-287-294.

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The article considers the basic essence of the concept of “bank credit security”, which is defined as a set of measures or directions aimed at minimizing the negative risks associated with the issuance, management and repayment of loans to individuals and legal entities. It is determined that the main structural elements of credit security management by a banking institution are: formation of a loan portfolio, credit policy and credit strategy; identification of risks and factors affecting the level of credit security; insurance against credit risks: formation of reserves, diversification, set

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Vinnytska, Oksana. "THEORETICAL APPROACHES TO THE ASSESSMENT OF THE FINANCIAL STABILITY OF BANKING INSTITUTIONS." Economies' Horizons, no. 2-3(28) (September 29, 2024): 275–84. http://dx.doi.org/10.31499/2616-5236.3(28).2024.312238.

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The article considers the essence of the concept of ‘financial stability of a banking institution’. The external and internal factors of influence on the activities of commercial banks in the current socio-economic conditions of Ukraine are identified. It is noted that the leading role in ensuring financial stability belongs to the bank, subject to effective regulation and the use of internal methods to ensure financial stability. The existing methodological approaches to assessing the financial stability of banks used in domestic practice are analysed. It is noted that in order to ensure fina

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Kochorba, Valeriia, and Volodumur Panshun. "STRATEGIC DEVELOPMENT OF THE BANK UNDER EFFECTIVE CORPORATE GOVERNANCE." Financial and credit systems: prospects for development, no. 1 (April 15, 2022): 7–18. http://dx.doi.org/10.26565/2786-4995-2022-1-01.

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The development strategy is the conceptual basis of any business, which determines the priorities in the process of making key decisions to ensure the competitiveness of the organization. The development of common scientific approaches to the content and methodology of the development strategy of Ukrainian banks and its individual functional components is becoming more important in solving the problem of increasing the competitive potential of banking institutions compared to leading foreign banks and banks with foreign capital operating in Ukraine. Banks, in an effort to maximize their profit

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Osadcha, N. V., and D. M. Artemenko. "Assessment of the Target Criterion and Leading Indicators of Regulatory Influence in the Banking Sector." Management of Economy: Theory and Practice. Chumachenko’s Annals, no. 2020 (2020): 68–81. http://dx.doi.org/10.37405/2221-1187.2020.68-81.

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The article defines the essence and methods of measuring the target criterion and leading indicators of regulatory influence in the banking sector. It is proposed to supplement prudential banking supervision, based on tracking the economic standards of individual banks, with models of discriminant analysis for a comprehensive assessment of the financial condition and risk of bankruptcy of banks. The use of the built-in reference matrix of discriminant analysis of the level of financial condition and the degree of risk of bankruptcy of the bank, as leading indicators of regulatory impact, will

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Juanaristo, Rafael Komang Eric, and Ida Bagus Putra Astika. "Assessment of Bank's Financial Health Using Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) Analysis." European Journal of Business and Management Research 7, no. 4 (2022): 93–98. http://dx.doi.org/10.24018/ejbmr.2022.7.4.1355.

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This current situation in the banking world in Indonesia is experiencing increasingly fierce competition, increasingly difficult and open economic conditions. This study aims to determine the financial health of General Bank in Indonesia 2016–2020 using the RGEC method. This study uses quantified qualitative research method. The data analysis technique used is descriptive analysis. The results show in terms of the Risk Profile that the NPL ratio in the 2016–2019 period is categorized as "Healthy", and in the 2020 period it is categorized as "Sufficiently Healthy". Furthermore, the LDR ratio in

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Lavryk, Oleksandr. "THE BALANCE SHEET OF A COMMERCIAL BANK AS THE MAIN DOCUMENT OF ITS ACTIVITIES." Economic Analysis, no. 32(2) (2022): 271–76. http://dx.doi.org/10.35774/econa2022.02.271.

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Introduction. The article is devoted to the study of the theoretical and methodological aspects of the analysis of the innovative strategy of creating the balance sheet of a commercial bank, the analysis of the current state and prospects for its development, and the developed directions for improving the modern strategy of creating the balance sheet of commercial banks in the conditions of the development of Ukraine. The work examines the content and features of the bank's activity as a financial intermediary, provides a description of the methods of quantitative analysis of its current activ

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KITAEVA, Zhanna S. "A model and regulation of analytical procedures for controlling the resource availability of a commercial bank." International Accounting 28, no. 7 (2025): 100–116. https://doi.org/10.24891/wrtqbo.

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Subject. This article explores methodological approaches to organizing effective control of the resource availability of the bank, and develops a regulation for analytical procedures of internal control over the resource availability of a commercial bank. Objectives. The article aims to create a comprehensive model of analytical procedures for internal control of resource availability, helping timely identify risks and ensure the stability of banking operations. Methods. For the study, I used deductive and inductive approaches, logical generalization, comprehensive analysis and synthesis, meth

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Abdyldaeva, U. M. "ANALYSIS OF THE FINANCIAL STATUS OF COMMERCIAL BANKS." Herald of KSUCTA, №2, Part 1, 2022, no. 2-1-2022 (April 30, 2022): 528–33. http://dx.doi.org/10.35803/1694-5298.2022.2.528-533.

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This article reveals the need to study the financial position of the bank, the results of which can be used to justify the decisions of regulatory authorities. The financial position of commercial banks in Kyrgyzstan is being investigated, as the results of the financial position survey warn consumers against using unreliable banking services. The Bank strives to give an objective assessment of the current and future situation. Recent events in the world, especially the situation with the pandemic, require an analysis of the financial situation of commercial banks. In modern, more competitive

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Nitsenko, Vitalii, and Roman Sementsov. "THE IMPACT OF THE COVID 19 GLOBAL PANDEMIC ON THE FINANCIAL CONDITION OF BANKS IN UKRAINE: DETERMINATION OF PROBABILITY OF DEFAULT IN MODERN CONDITIONS." Financial and credit systems: prospects for development, no. 2 (November 30, 2021): 33–43. http://dx.doi.org/10.26565/2786-4995-2021-2-04.

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This article analyzes the current financial condition of Ukrainian banks, identifies the quantitative impact of the global pandemic COVID 19 on the overall level of financial condition of a particular bank; a simplified algorithm for determining the probability of default of a particular bank in practice is presented. It is emphasized that the quality of bank management, the level of its financial condition can be given only in the context of comparing its financial profile with other banks in the banking sector. The COVID-19 injection was brought to the financial stand of banks. After an hour

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Анищенко, К. Л., and Т. А. Пантелеева. "Assessment of the financial condition of a credit institution: methods of analysis." Экономика и предпринимательство, no. 3(140) (June 17, 2022): 1079–82. http://dx.doi.org/10.34925/eip.2022.140.03.204.

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Данные мониторингов и отчетов Центрального Банка РФ свидетельствуют о росте проблем, связанных с долгосрочным кредитованием коммерческих банков за пределами государства. Одним из решений данной проблемы является достаточный уровень ликвидности и надежности банковского сектора при оценке международными методиками анализа финансового состояния. В статье рассматривается актуальность системы оценки Центрального Банка РФ, а также использования зарубежных методик. Monitoring data and reports of the Central Bank of the Russian Federation indicate the growth of problems associated with long-term lendi

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Chaikovskyi, Yevhen. "Scientific and methodological approaches to assessing the level of financial stability of the banking system." Herald of Economics, no. 1 (April 7, 2025): 94–107. https://doi.org/10.35774/visnyk2025.01.094.

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Introduction. Effective operation of the banking system is key to the development of market relations in Ukraine. This determines the main function of the National Bank of Ukraine in regulating banking activities. The financial stability of the banking system determines its ability to provide the necessary banking resources for the socio-economic development of Ukraine. Therefore, there is an important issue of improving the scientific and methodological approach to assessing the financial stability of the banking system. The purpose of the article is to systematize foreign and domestic experi

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Biryukov, Alexander Nikolaevich. "METHODS FOR ANALYZING THE FINANCIAL STABILITY OF A BANK IN ASSESSING ECONOMIC STABILITY." Scientific Review: Theory and Practice 13, no. 2 (2023): 226–44. http://dx.doi.org/10.35679/2226-0226-2023-13-2-226-244.

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The economic security of a commercial bank is a set of measures aimed at ensuring financial stability and protecting the interests of the bank from external and internal threats. Today, in the conditions of global crises, all commercial banks feel the need to find ways to ensure an effective and safe management policy. Therefore, the creation of a system of economic security is becoming increasingly important. An important element of the bank's economic stability is its financial stability. To achieve this goal, the bank must have a sufficient level of capital to cover possible losses and rese

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Vatamanyuk-Zelinska, Uliana, and Vasylyna Vahil. "MANAGEMENT OF THE FINANCIAL STABILITY OF JSC CB "PRYVATBANK" IN THE CONDITIONS OF THE MARITAL STATE." INNOVATIVE ECONOMY, no. 3 (2023): 92–99. http://dx.doi.org/10.37332/2309-1533.2023.3.12.

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Purpose. The purpose of the article is to analyse the level of financial stability of JSC CB "PryvatBank" and to single out the main areas of increasing the effectiveness of the bank's financial stability management. Methodology of research. The theoretical and methodological base of the article consists of fundamental provisions of modern science and general theories of development. A set of generally accepted methods and techniques of comprehensive research were applied in the research process in order to achieve the set goal: induction and deduction at the stage of collecting the necessary

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