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Journal articles on the topic 'Assessment of the effectiveness of the Bank'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

STEPANETS, Victoria, and Iryna KRASNOVA. "ASSESSMENT OF THE EFFECTIVENESS OF BANK RESOLUTION IN UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 320, no. 4 (2023): 318–26. http://dx.doi.org/10.31891/2307-5740-2023-320-4-47.

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For Ukraine, in the context of economic turbulence and uncertainty in the financial market, an important task is to find ways to prevent situations where losses from the liquidation of insolvent banks constitute a much larger share of the proceeds from the sale of assets of failed banks. In view of this, an important task is to transform the system of bank resolution, including the choice of resolution methods as opposed to liquidation, as well as to improve approaches within these procedures to the management and sale of assets of insolvent banks. As part of this approach, it is important to

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2

Rubakha, Mariya, Lesia Tkachyk, Olha Zamaslo, and Olesya Irshak. "Risk-oriented integral assessment of the Ukrainian banks effectiveness." Banks and Bank Systems 14, no. 3 (2019): 121–39. http://dx.doi.org/10.21511/bbs.14(3).2019.11.

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Ensuring efficiency improvement of banks is a priority task for Ukrainian banking system at the stage of creating the developed financial sector of economy. The study of a bank performance, which takes into account a risk factor of banking business, is particularly relevant due to the need to ensure competitiveness and stability of both individual banks and the banking system as a whole.The aim of this article is to develop a methodology for integral evaluation of the Ukrainian banks according to the efficiency and risk criteria. Ratio analysis, mathematical methods, comparison and grouping, s

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3

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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4

M. Umer Chapra. "Effectiveness of Bank Rate Instrument in Pakistan." Pakistan Development Review 2, no. 1 (2022): 84–96. https://doi.org/10.30541/v2i184-96.

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On January 15, 1959, bank rate was raised in Pakistan from itstraditional level of 3 per cent to 4 per cent. This paper examines theeffect of this rise of one percentage point in the bank rate on theborrowings of scheduled banks from the State Bank, their reserves, theirlending rates, the supply of their credit, and the allocation of theircredit among various sectors of the economy. This is done by comparingthe values of certain relevant variables primarily in the year beforethe bank-rate change (1958) and the year after the bank-rate change(1959). From this examination of a single experience

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5

Kuznyetsova, Anzhela, and Nataliya Pogorelenko. "Assessment of the banking system financial stability based on the differential approach." Banks and Bank Systems 13, no. 3 (2018): 120–33. http://dx.doi.org/10.21511/bbs.13(3).2018.12.

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In this paper, the banking system financial stability is assessed based on the differential approach. The differential approach provides for taking into account the specificity of the banking system structural organization (from the standpoint of the central bank and the second-level banks) and the sets of financial stability indicators, different in terms of their structure, and their volatility measures, according to this approach.The banking system financial stability is assessed based on the two groups of indicators: the first one characterizes the central bank financial stability (indicat

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6

Aslanov, Dmitry I., Elena P. Smolina, Evgeny T. Antonov, and Omer Allagabo Omer Mustafa. "Methods for evaluating the effectiveness of commercial bank branches." Economic Consultant, no. 4 (December 1, 2023): 29–42. https://doi.org/10.46224/ecoc.2023.4.3.

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Introduction. The topic is relevant, because the increasing number of commercial banks and financial institutions, as well as technological development, makes competition in the financial market increasingly fierce. Modern customers expect high-quality service and quick access to financial services. Moreover, assessing banks’ effectiveness in digitalization is essential for understanding how to better integrate traditional and digital service channels. Efficiency assessment methods analyze the performance of branches, identify best practices, and help develop strategies to improve the bank’s o

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7

Sharma, Raj Bahadur, and Nabil Ahmed M. Senan. "A Study on Effectiveness of Internal Control System in Selected Banks in Saudi Arabia." Asian Journal of Managerial Science 8, no. 1 (2019): 41–47. http://dx.doi.org/10.51983/ajms-2019.8.1.1449.

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The study is to attempt to examine effectiveness of internal control system in selected Saudi Banks in Saudi Arabia. The effectiveness of internal control depends and interrelated to five components viz., Control Environment, Risk Assessment, Accounting Information System and Communication System, Control Activities, and Self-Monitoring. These components derived from management and integrated with the management process. Although the components are applicable to all banks, small and medium, sized banks can apply them separately on a large scale. Its control can be less formal and less structur

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8

Iswanto, Yuni, and Hendarti Tri Setyo Mulyani. "Implementasi Penilaian Kesehatan Bank Syariah Indonesia (BSI) Berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) 2/POJK.03/2022." Budgeting: Jurnal Akuntansi Syariah 5, no. 1 (2024): 20–38. http://dx.doi.org/10.32923/bdg.v5i1.4430.

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An assessment regarding the health of Banks in Sharia Banking is also carried out, both the health of Sharia Banks and Sharia Rural Banks are assessed. As time progresses, the method of assessing the condition of a bank will have a dynamic nature which is expected to encourage re-regulation of a system used to assess the level of bank health based on sharia principles. Regulations used by the Financial Services Authority or abbreviated as (POJK) No. 8/POJK.03/2014 concerning the soundness level of all sharia-type commercial banks and all sharia business units which were created in an effort to

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9

Mauk, Sarlince Sandy. "ANALISIS EFEKTIVITAS KINERJA KEUANGAN PADA PT. BANK RAKYAT INDONESIA Tbk DAN PT. BANK NEGARA INDONESIA Tbk PERIODE 2016-2020." Inspirasi Ekonomi Jurnal Ekonomi Manajemen 4, no. 1 (2022): 1–11. http://dx.doi.org/10.32938/ie.v4i1.2195.

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Abstract The banking sector as part of the financial system plays an important role as an intermediary institution for sectors involved in the economy, therefore the soundness of banks needs serious attention because it involves the interests of many related parties, both owners, government, and society. banking service users. This study discusses the assessment of the effectiveness of the financial performance of Bank Rakyat Indonesia and Bank Negara Indonesia using financial ratios for the 2016-2020 period. The results showed that in terms of the ratio of CAR, Gross NPL, and LDR, BRI a

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10

Peng, Xuming. "Assessment of Banking Risk Management under COVID-19." Highlights in Business, Economics and Management 15 (June 28, 2023): 188–93. http://dx.doi.org/10.54097/hbem.v15i.9347.

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The COVID-19 outbreak in 2020 has had a significant impact on the global economic situation, with the banking sector being exposed to various degrees of risk in various aspects. These include liquidity risk, credit risk, market-based risk and operational risk. And in the post-epidemic era of policy adjustments, bank failures or bankruptcy caused by the Fed's interest rate hikes have also become cases that need to be focused on when managing risk in the banking industry today. This paper will discuss the risk management of commercial banks in the context of the epidemic by referring to cases su

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11

Akther, Shahin. "An Exploratory Study on Authentic Leadership Concept in Fostering Training Effectiveness in Commercial Banks of Bangladesh." Journal of Economics, Trade and Marketing Management 2, no. 4 (2020): p1. http://dx.doi.org/10.22158/jetmm.v2n4p1.

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To train an organization’s staff results in qualified and knowledgeable performers and make them organizational assets by generating excellent leadership in the long run. A bank manager or leader understand the training gap of an employee and do the assessment according to the training need. Therefore, it is vital to pinpoint the training needs and ensure training effectiveness more than contemporary leadership behaviour of bank managers and trainers also. This study was conducted in the banks of Bangladesh to examine employee’s perception of the authentic leadership style of bank managers or

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12

Starodubtseva, E. L. "Assessment of the effectiveness of credit operations management as a factor in the development of the banking activity." Bulletin of the Innovative University of Eurasia 89, no. 1 (2023): 99–110. http://dx.doi.org/10.37788/2023-1/99-110.

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The main task of banks is to issue loans, which are the backbone of the modern economy, an integral element of the country's economic development. Lending is currently used by both individuals and legal entities, that is, everyone uses loans, starting with state and ending with citizens. For commercial bank in these conditions, it is important not only to correctly form loan portfolio on various grounds, but also to monitor changes in timely manner, which are carried out through in-depth analysis. At the same time, each bank develops its own lending technology based on digital technologies and

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13

Syachin, Valery. "Analyzing the level of digital transformation in the Chinese banking industry through the Bank Digitalization Index." Public Administration 25, no. 6 (2023): 95–109. https://doi.org/10.22394/2070-8378-2023-25-6-95-109.

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China’s digital banking market is actively developing. At the same time, in the digital transformation area, Chinese banks achieve uneven results, thus hindering a comprehensive assessment of their competitiveness level. This creates the necessity for developing an impartial instrument to perform such an assessment. To assess the effectiveness of commercial banks based on the extent of their digitalization, the author suggests using the Bank Digitalization Index (BDI), which he developed. The index was calculated based on the annual accounts of ten large listed commercial banks in the PRC for

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14

Rees, Colin. "Improving the effectiveness of environmental assessment in the world bank." Environmental Impact Assessment Review 19, no. 3 (1999): 333–39. http://dx.doi.org/10.1016/s0195-9255(99)00005-0.

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15

Gulaliyev, Mayis G., Elmar N. Rahimov, Flora Sh Kashiyeva, Alida T. Huseynova, Shahla M. Alijanova, and Yegana A. Hakimova. "The Economic Efficiency of Traditional and Islamic Banking (a Comparative Analysis of the Turkish, Azerbaijani, and Iranian Banking Sectors)." Comparative Economic Research. Central and Eastern Europe 24, no. 1 (2021): 141–57. http://dx.doi.org/10.18778/1508-2008.24.08.

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The article attempts to develop a methodology for a comparative assessment of the economic efficiency of banks, including traditional and Islamic banking models. The assessment shows that the stability of financial institutions in Azerbaijan is lower compared to banks where Islamic banking is used. The assessment also shows that there is a strong dependence of the GDP growth rate on the sub-indices of the effectiveness of financial institutions in Azerbaijan, Turkey, and Iran. The methodology of linear regression and a composite index of the economic efficiency of banks are applied. The assess

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16

Sendyona, Charles Chris, and Mercerina Nakasozi. "An Assessment of the Effectiveness of Agency Banking Interventions in Deepening Financial Inclusion: A Case Study of Centenary Bank Uganda." European Journal of Accounting, Auditing and Finance Research 12, no. 10 (2024): 1–18. http://dx.doi.org/10.37745/ejaafr.2013/vol12n10118.

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This study assesses the effectiveness of the agency banking interventions in deepening financial inclusion in Uganda. The study employed a descriptive research design and purposively collected data from 50 Bank customers and staff of Centenary Bank Ltd. in Kampala District. The data was collected using a self-administered research instrument with an overall Cronbach's reliability coefficient of 0.775 and was analysed using frequency analysis and the p-value approach. The study findings provided evidence that the following agency banking interventions: i) Providing information and ensuring that

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17

Kryshtal, Halyna O. "Effectiveness of Government Regulation of the Banking Sector: Assessment and Rating of Banks." Mechanism of an Economic Regulation, no. 4 (2020): 85–95. http://dx.doi.org/10.21272/mer.2019.86.09.

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The article deals with the causes of the negative situation in the banking sector, as the state of the bank depends on the analysis of almost all aspects of banking activity for some time. It is determined that during the banking sector audits, the state regulator uses analytical data on the banking sector's operations with its monetary obligations, compliance with maturities and maturities of assets that operate and terms and amounts of liabilities, namely, dealing with banking sector liquidity. As their financial reliability is important in the banking sector, therefore, bank clients are a s

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18

Yang, Lujing. "Risk Assessment on Bank of America." Highlights in Business, Economics and Management 15 (June 28, 2023): 105–10. http://dx.doi.org/10.54097/hbem.v15i.9324.

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This paper analyzes the risks faced by Bank of America and the strategies it adopted for risk management in 2021 during the COVID-19 pandemic. Three major risk categories were particularly focused on: liquidity risk, credit risk, and exchange rate risk in this paper. The study examined the bank's risk exposure in these areas, assessed the effectiveness of its risk management practices, and evaluated the impact of market volatility on its financial performance. Based on an analysis of Bank of America's 2021 annual report, this article provides insights into the bank's overall risk position and

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19

Рабаданова, Д. А., and Л. А. Нурмагомедова. "Evaluating the effectiveness of active operations commercial bank." Экономика и предпринимательство, no. 8(133) (November 16, 2021): 963–66. http://dx.doi.org/10.34925/eip.2021.133.8.183.

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В статье на основе анализа данных консолидированной финансовой отчетности дана оценка эффективности активных операций ПАО Сбербанк. в результате проведенного анализа показано, что несмотря на снижение некоторых важных для оценки экономической эффективности показателей, банку удается сохранить баланс между доходностью и обеспечением достаточного уровня надежности. Based on the analysis of the consolidated financial statements data, the article provides an assessment of the effectiveness of Sberbank's active operations. as a result of the analysis, it is shown that despitethe decrease in some im

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20

Kolesnik, Ya V. "Statistical Assessment of the Banks’ Competitiveness at the Financial Market: Theoretical and Methodological Aspect." Statistics of Ukraine, no. 4(79) (December 20, 2017): 6–12. http://dx.doi.org/10.31767/su.4(79).2017.04.01.

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The article is devoted to the vital problem of substantiating theoretical and methodological aspects of statistical assessment of the banks’ competitiveness at the financial market. The growing market competition makes the bankers chose competition methods by relating their business success to the business performance of their competitors, investors, corporate and private clients. The bank product competitiveness is assessed by comparing the economic parameters of an analyzed service with the benchmarking parameters, by group of parameters. A method based on the theory of effective competition

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21

Kazarinov, Viktor, and Natalia Zvyagintseva. "Criteria for the Effectiveness of Shadow Rating Models in Assessing the Creditworthiness of Low-Default Borrowers." Baikal Research Journal 14, no. 3 (2023): 822–34. http://dx.doi.org/10.17150/2411-6262.2023.14(3).822-834.

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Assessment of borrowers' creditworthiness is the most important process affecting the activities of a modern commercial bank. Creditworthiness assessment processes occur both at the stage of decision-making to issue a credit product and during the process of regular creditworthiness assessment for the purposes of reserving and calculating economic capital. This is the reason why the commercial bank needs to develop and maintain the effective models of credit rating estimation, which are able to determine the borrower's solvency accurately and steadily by predicting its probability of default.

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22

Elvira, Ruziyeva, and Eshmuradov Ulugbek. "Assessment of the ESG rating of banks." Yashil iqtisodiyot va taraqqiyot 2, maxsus son (2024): 10–14. https://doi.org/10.5281/zenodo.12742770.

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Environmental, Social, and Governance (ESG) ratings are gaining significant traction. These ratings act as awindow into a bank&rsaquo;s commitment to sustainability practices. They assess how a bank integrates environmental, social,and governance factors into its operations and the associated risks.ESG encompasses three key areas: environment, social responsibility, and corporate governance. These factors influencethe activities of every business entity. Considering these factors is crucial when evaluating the effectiveness of acompany&rsaquo;s operations and the outcomes of its policies.A com

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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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Ningsih, Setia, and Hendra H. Dukalang. "Financial Performance Analysis of Bank Syariah Indonesia Post Merger: RGEC Approach." Mutanaqishah: Journal of Islamic Banking 4, no. 1 (2024): 60–72. http://dx.doi.org/10.54045/mutanaqishah.v4i1.1590.

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Bank is a company that has an important role in building the economy. In Indonesia, commercial banks used by the public are Conventional Banks and Islamic Banks. One important factor that shows the efficiency and effectiveness of Islamic banking in achieving its goals is performance. The occurrence of a continuous decline in performance can cause the bank to be in a bad state, even at risk of bankruptcy and loss of trust from customers. As a newly merged bank, Bank Syariah Indonesia (BSI) needs to measure the health level of the bank. This study aims to measure the health level of BSI using th

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Anwar Syaifullah Rizki and Tri Gunarsih. "EFFECTIVENESS OF RGEC- BANK SOUNDNESS LEVEL AND INFLATION RATE IN PREDICTING POTENTIAL BANKRUPTCY OF BANKS: EVIDENCE FROM INDONESIA." International Journal of Business and Society 25, no. 1 (2024): 223–41. http://dx.doi.org/10.33736/ijbs.6908.2024.

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This study examines the effectiveness of RGEC-based bank soundness and inflation rate in predicting the potential for bankruptcy. The samples in this study are the banking sector companies listed on the Indonesia Stock Exchange (IDX) from 2016 to 2020. Using several proxies of the RGEC-based bank soundness and inflation rate, the results of this study indicate that the loan-to-deposit ratio (LDR), self-assessment of good corporate governance, and capital adequacy ratio (CAR) affect the potential of bankruptcy negatively and significantly. Furthermore, non-performing loans (NPL), return on asse

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Boadi, Prince. "An Assessment of Selected Ghanaian Banks’ Internal Control and Corporate Governance." TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH 10, no. 4 (2023): 189–203. http://dx.doi.org/10.21522/tijar.2014.10.04.art016.

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The general objective of the study is to assess the effectiveness of internal control and corporate governance in the Ghanaian banking industry. The study was basically a case study based and was approached quantitatively. Five banks (Absa Bank Ghana, Ecobank, Standard chartered Bank, Agricultural Development Bank, and Ghana Commercial Bank) were sampled for the study. Four hundred (400) respondents from the above sampled banks helped offer meaningful and enough information to answer the study questions. Non-probability sampling was used for this study’s sample strategy. The study made use of

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Khalyapin, Alexey A., Vladimir A. Sirotkin, Elizaveta V. Zolotonog, Sofia S. Chaun, and Mikhail E. Frolov. "ASSESSMENT OF THE EFFECTIVENESS OF THE KRASNODAR TERRITORY'S INVESTMENT POLICY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3/11, no. 156 (2025): 147–59. https://doi.org/10.36871/ek.up.p.r.2025.03.11.015.

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The article presents a comprehensive assessment of the effectiveness of the investment policy of the Krasnodar Territory based on the author's adaptation of the methodology of the European Bank for Reconstruction and Development (EBRD) and the World Bank for assessing the investment climate of the regions. A comparative study of the main investment indicators of the region with the average Russian values and other subjects of the Russian Federation has been conducted. An integral index of regional investment efficiency has been developed and tested, taking into account both quantitative indica

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Durguti, Esat A., Enver H. Krasniqi, and Dea Krasniqi. "Assessing the Performance of Factors Affecting the Profitability of the Banking System: Evidence from Kosovo." European Journal of Sustainable Development 9, no. 2 (2020): 304–14. http://dx.doi.org/10.14207/ejsd.2020.v9n2p304.

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This review done by empirical surveillance observes the significances of a number of the explicit factors of the bank that are matching to bank governance, financial market configuration on one hand, and macroeconomic aspects of the Kosovo bank's performance on another hand. The Management and assessment of Kosovo's bank effectiveness were accomplished through two indicators return on assets (ROA) and return on equity (ROE). To recognize this assessment, the OLS, and Arellano-Bond (GMM) regression method will be applied with the data used from the financial statements of Kosovo banks on a peri

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29

Hrytsenko, Larysa, Liudmyla Pavlenko, Iryna Kozhushko, and Onur Erişen. "COMPREHENSIVE CREDIT RISK ASSESSMENT OF UKRAINIAN BANKS." Socio-economic relations in the digital society 2, no. 56 (2025): 20–33. https://doi.org/10.55643/ser.2.56.2025.605.

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Credit risk is an integral element of banking activities, the identification and effective management of which is essential in today’s environment. The financial stability of both individual banks and the banking sector as a whole depends on the feasibility and effectiveness of risk management. The purpose of the study is to systematise the approaches approved at the state level to assessing the credit risk of banks, analyse the current state of the loan portfolio of the Ukrainian banking sector, and identify the most promising methods of optimising potential risks to its quality.The study exa

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Octavia, Evi, Ait Novatiani, Rima Rachmawati, and Che Rosmawati Che Mat. "An Assessment of Banking Performance: The Balanced Scorecard Approach." Jurnal Ilmiah Akuntansi 9, no. 2 (2025): 809–22. https://doi.org/10.23887/jia.v9i2.84625.

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There is a need to explore the effectiveness and comprehensive implementation of the Balanced Scorecard in improving banking performance, particularly considering the unique challenges of regulatory influence and sector-specific dynamics. This research aims to measure the performance of Bank Panin, which is motivated by a decline in net profit, profit before tax, and negative third-party funds. The study employs a Descriptive Qualitative approach using Balanced Scorecard measurements. The research focuses on four perspectives: 1) learning and growth, 2) customer, 3) internal business processes

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Habyarimana, Béata, and Waal André de. "Analyzing An Organizational Change Process Using the HPO Framework: the Case of A Rwandese Bank." International Journal of Management and Applied Research 7, no. 2 (2020): 120–35. https://doi.org/10.18646/2056.72.20-009.

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Over the past decades, the financial industry has been affected by sustained liberalization and synchronization of the financial markets as well as new developments in information technology. This caused the banking industry in emerging markets to become more competitive due to increased bank sizes caused by acquisitions and mergers while they did not necessarily become more profitable. In this article the organizational restructuring process of a bank in Rwanda is investigated on its effectiveness. The high performance organization (HPO) diagnosis was applied, consisting of a questionnaire (c

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Al-Shabib, Duraid. "The Effectiveness of the Application of Total Quality System in the Housing and ﬁnance Bank". Al-Balqa Journal for Research and Studies 13, № 2 (2010): 109–46. http://dx.doi.org/10.35875/1105-013-002-004.

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This study aims at evaluating the effectiveness of the implementation of comprehensive (T Q S) and proceeds to Housing and Finance Bank of Jordan and the impact of that system on the performance and efficiency of banking operations and services provided by that bank, employees satisfaction and client and the extent of the contribution to the achievement of additional ﬁnancial returns. The achievement of the goal of this study was the use of tools comprehensive assessment of ﬁnancial and non-ﬁnancial. The researcher used the method of ﬁnancial analysis of the statements of the Housing Bank For

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Narynbaeva, Aina, Inna Stetsenko, Janelle Zhumataeva, and Gulsezim Magambetova. "Banking Risk Management: Assessment of Existing Company Practices." Bulletin of the Innovative University of Eurasia 93, no. 1 (2024): 126–34. http://dx.doi.org/10.37788/2024-1/126-134.

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Main problem is that banking is one of the most important sectors of the economy all over the world. Being high-tech, it is most susceptible to ongoing changes, both at the macro and micro levels. As practice shows, such changes are associated with the increasing internationalization of credit institutions and markets, improvement of banking legislation and modern computer technologies, increased competition, and the emergence of new banking products and services in financial markets. The relevance of the topic of the master's thesis is that in order to ensure the effective functioning of a co

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Kholidah, Himmatul, Maulidiyah Maulidiyah, Hanifiyah Yuliatul Hijriah, and Aqilah Nadiah Md. Sahiq. "STRATEGI DIVERSIFIKASI PORTOFOLIO: ANALISIS DAMPAK RISIKO DAN KEUNTUNGAN PADA BANK KONVENSIONAL DAN SYARIAH MILIK NEGARA DI INDONESIA." e-Journal Ekonomi Bisnis dan Akuntansi 11, no. 2 (2024): 62. http://dx.doi.org/10.19184/ejeba.v11i2.52146.

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This research examines the relationship between credit portfolio diversification and the risk and return of state-owned banks (Bank BUMN) from 2019 to 2023. Using multiple linear regression analysis, it evaluates the impact of the Herfindahl Hirschman Index (HHI) on credit or financing risk (NPL and NPF) and bank returns (ROA, ROE) among state-owned banks listed on the Indonesia Stock Exchange. Control variables include bank size, loan or financing to deposit ratio (LDR and FDR), and equity to total asset ratio (ETA). The results show that credit portfolio diversification reduces credit risk i

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SHMYREVA, Aleksandra I., and Valeriya P. VAGAITSEVA. "Indicators for assessing the effectiveness of a commercial bank product." Finance and Credit 30, no. 10 (2024): 2252–66. http://dx.doi.org/10.24891/fc.30.10.2252.

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Subject. The article discusses the main parameters for assessing a banking product from the point of view of their effectiveness. Objectives. The study aims to evaluate and analyze indicators that reflect the effectiveness of the bank’s product, consider the hypothesis about the possibility of dividing performance indicators of a banking product into qualitative and quantitative. Methods. We applied research methods, like analysis and synthesis. Results. The efficiency of a banking product should be considered from the point of view of indicators, which are coefficients, and which reflect the

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Opuni-Frimpong, D. Opuni-Frimpong. "The Effectiveness of Altman’s Z Score Model in Predicting the Financial Health of Banking Lnstitutions in Ghana." Pentvars Business Journal 12, no. 12 (2019): 28–49. http://dx.doi.org/10.62868/pbj.v12i12.152.

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The purpose of this study was to assess the relevance and effectiveness of Altman’s Z Score model in predicting the failures and the financial health of banking institutions in Ghana. The study was conducted using the quantitative research method and the descriptive analytical research design. Drawing on annual financial data from a sample of 5 failed banks and 21 non-failed banks licensed by the Bank of Ghana, the study examined the Altman Z Score model with data set from the 2012 financial year to the 2016 financial year. Analysis of the failed banks revealed a 75 per cent prediction accurac

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Ogundele, Abiodun Thomas, Olusola Anthony Ibitoye, Oluwatoyin Olusola Akinterinwa, Abraham Adeniran, Felix Olusegun Ibukun, and Temitope Gift Apata. "The Role of Artificial Intelligence in Advancing Sustainable Banking and Service Efficiency in Nigerian Financial Institutions: An Assessment of Selected Quoted Banks." Journal of Sustainable Development Law and Policy (The) 16, no. 1 (2025): 282–307. https://doi.org/10.4314/jsdlp.v16i1.15.

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The rapid growth of human reasoning impacts the sustainability andefficiency of the banking industry globally, including in Nigeria. Many bankshave used technology and creativity to improve service efficiency and revenuesustainability due to worries about the detrimental effects of humanintelligence. Our research analyses how AI integration influences sustainablebanking and service efficiency in selected Nigerian listed banks. Naturallanguage processing, machine learning, and predictive analytics arerevolutionising banking. In addition, risk management, fraud detection,customer service, and op

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Małgorzata Jatczak, Anna. "The instruments of the ratio analysis in the assessment of economic and financial situation of the bank." VUZF Review 7, no. 2 (2022): 163–69. http://dx.doi.org/10.38188/2534-9228.22.2.17.

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The activity of every bank is regularly submitted control and assessment. One of the method’s serving the measurement of financial condition and the effectiveness of the activity of the bank is the ratio analysis. It is the calculation of the rates on the basis of the data included in the financial reports and their comparative assessment in time. The rates are constructed on the basis of mathematical rule of comparison of the two quantities which is the designating of their ratio. In the article there were characterized the six groups of the rates. There are the following ones: &#

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Sokolovska, Natalia S. "A Model of Integration of the Operational Risk Management into the Bank’s Decision-Making System." Business Inform 4, no. 531 (2022): 130–37. http://dx.doi.org/10.32983/2222-4459-2022-4-130-137.

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Among banking risks, operational risk is the most difficult to predict, it poses the threat of unexpected and significant losses for banks. The operational risk of a bank is associated with shortcomings or errors in the organization of internal banking processes, intentional or unintentional actions of bank employees (other persons), failures in the work of the bank’s information systems or it may arise due to external factors. In conditions of high turbulence of the external environment, in which banks are increasingly engaged in preventing losses instead of maximizing profits, it is of param

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Bukhtiarova, Alina, Andrii Semenog, Мila Razinkova, Nataliia Nebaba, and Józef Antoni Haber. "Assessment of financial monitoring efficiency in the banking system of Ukraine." Banks and Bank Systems 15, no. 1 (2020): 98–106. http://dx.doi.org/10.21511/bbs.15(1).2020.10.

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The transformation processes taking place in the global economy and the expansion of global business ties increase the overall vulnerability of the international banking system. One of the problems related to money laundering is the process of evaluating the efficiency of financial monitoring measures. The article discusses the issues of assessing the effectiveness of financial monitoring in the banking system of the country. For Ukraine, this problem is especially relevant, because there is a bank-centric model of the financial market (about 90% of assets go through the banking system) in the

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S., M. Riha Parvin, Nirmala Catherine, and Niyaz. "Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model." International Journal of Management, Technology, and Social Sciences (IJMTS) 6, no. 2 (2021): 244–55. https://doi.org/10.5281/zenodo.5775465.

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<strong>Purpose:</strong><em> The main motive of this research was to assess the overall functioning of public sector banks before merger and after the merger. At the same time effective comparison is been undertaken between public and private sector banks. One of the most crucial practices of evaluating the performance of bank involves critical examination of account statements concerning annual report. Major parameters for evaluating the Banks’s performance include assessment of adequate capital, quality of assets, ability of management to control the risk, earning capacity and liquid

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Akther, Shahin, Javed Tariq, and Nazrul Islam. "Measurement of the Effectiveness of Off-the-Job Training Methods in Commercial Banks of Bangladesh." International Journal of Business and Management 14, no. 9 (2019): 160. http://dx.doi.org/10.5539/ijbm.v14n9p160.

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Banks and financial institutions of Bangladesh invest a large amount of money for training purposes in building and enhancing capacity of their human resources. But whether this investment is effective or not is a question often asked by the policymakers of these institutions. These institutions usually train their employees by using off-the-job training methods like seminars, workshops, lectures, etc. along with on-the-job training methods to improve the performance of the employees. A lion&rsquo;s share of training budget is usually used for off-the-job training purposes that add value f

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Mutawali, M., Ahmad Rodoni, and Muhammad Bin Said. "Prevention Effectiveness of Non-Performing Financing in the Indonesian Islamic Bank." ETIKONOMI 18, no. 2 (2019): 259–74. http://dx.doi.org/10.15408/etk.v18i2.11262.

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Islamic banking still has a high ratio of non-performing financing. This study analyzes the causes of non-performing financing, along with the prevention effectiveness and resolution strategies performed by Islamic banks in dealing with this problem. Interviews conducted on nine informants, with questionnaires distributed to 30 respondents. The results show that the prevention effectiveness performed by Islamic banks consists of legal aspects, qualified human resources, and criteria assessment used to finance proposals, and improve risk management. Furthermore, internal factors such as default

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MELNYK, O.M. "Information support for assessing the financial stability of the bank." Market Relations Development in Ukraine №1(248)2022 146 (May 23, 2022): 15–19. https://doi.org/10.5281/zenodo.6574604.

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The subject of the study is the information support of the assessment of the financial stability of the bank. The purpose of the study is to determine the main parameters of information support for assessing the financial stability of the bank. Research methods. The dialectical method of scientific cognition, the method of analysis and synthesis, the comparative method, the method of generalization of data are used in the work. Results of work. The article defines the concept of «information support for assessing the financial stability of the bank». The classification of informati

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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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Каштанова, YEkatyerina Kashtanova, Лобачёва, and Anastasia Lobacheva. "THE EVALUATING OF PERSONAL EFFECTIVENESS OF EMPLOYEES IN THE PERSONNEL STIMULATION SYSTEM OF THE BANK." Management of the Personnel and Intellectual Resources in Russia 6, no. 2 (2017): 50–55. http://dx.doi.org/10.12737/25274.

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The article presents arguments justifying the role and importance of assessment of efficiency of employees in the General system of stimulation of personnel of the organization. The modern approach to the development of a system of material incentives associated with performance management of staff is described, for example, the large domestic banks. The evaluation criteria of efficiency of employees are reviewed and systemized, the principles of evaluation are grouped, the basic evaluation stages of efficiency in order to improve the system of staff incentives are considered. Examples of defi

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Evstigneeva, Alina, and Mark Sidorovskiy. "Assessment of the Clarity of Bank of Russia Monetary Policy Communication by Neural Network Approach." Russian Journal of Money and Finance 80, no. 3 (2021): 3–33. http://dx.doi.org/10.31477/rjmf.202103.03.

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Inflation targeting requires clear and transparent central bank’s communication. Analysts and market participants understand it as a broad list of information disclosed by the central bank. The general public understands it rather as the ability of a central bank to speak and explain its decisions in a plain language. In recent decades, monetary authorities in many countries have made significant progress in this direction. However, there has been no research on the quality of communication for the Bank of Russia. This paper aims to create a tool for automated evaluation of the readability of

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M. Jume, Tijjani. "An Assessment of the Effectiveness of Central Bank Sterilization on Capital Inflows in Nigeria." Central Bank of Nigeria Journal of Applied Statistics, Vol. 11 No. 2 (April 8, 2021): 201–30. http://dx.doi.org/10.33429/cjas.11220.8/8.

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This paper assesses the monetary policy response of the Central Bank of Nigeria (CBN) to increases in capital inflows into Nigeria using monthly time series data from January 2009 to December 2017. It presents an econometric assessment of the degree to which the CBN sterilizes net foreign assets (NFA) in response to the capital flows, using Autoregressive Distributed Lag (ARDL) bounds testing approach. The long run sterilization coefficient obtained suggests that the CBN successfully offset 95per cent of capital inflows in the period of analysis. Against the background of rising financial inst

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Salta and Payamta. "Analysis of Countercyclical Policy Effectiveness in Maintaining Bank Health in Conventional Commercial Banks Research Project." Jurnal Multidisiplin Madani 3, no. 4 (2023): 824–44. http://dx.doi.org/10.55927/mudima.v3i4.2800.

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The Corona Virus Disease (Covid-19) outbreak has an impact on various sectors of life, not only in the health sector, all sectors are affected. The most severe and prolonged impact is the banking sector which can endanger the economic sector. Seeing these conditions, the government/Financial Services Authority (OJK) issued an economic stimulus policy (Countercyclical) to maintain bank health. The purpose of this study was to analyze the effectiveness of economic stimulus policies (Countercyclical) by comparing the health conditions of banks before Covid-19 and during Covid-19, before Covid-19

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Liu, Tingxu, Yubo Ma, Juntong Yang, and Zhuowei Ye. "Comparative Temporal Analysis of SVM-Based Machine Learning Techniques for Bank Risk Assessment." Advances in Economics, Management and Political Sciences 97, no. 1 (2024): 63–88. http://dx.doi.org/10.54254/2754-1169/97/20231278.

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This paper introduces an innovative approach that utilizes support vector machines (SVMs) to predict the bankruptcy of financial institutions within the United States. The study aims to identify influential factors that contributed to bankruptcy during two significant peri-ods: the 2008 financial crisis and post-2013. The goal is to highlight both shared and distinc-tive characteristics between these time frames. The proposed method incorporates a meticu-lous feature selection procedure to identify the most critical variables for assessing a banks financial stability. Subsequently, the SVM mod

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