Relevant bibliographies by topics / Bank's credit potential

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Bank's credit potential'

Author: Grafiati
Published: 28 May 2022
Last updated: 31 July 2025

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Journal articles on the topic "Bank's credit potential"

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CHERNYSHOVA, Liliia, and Kateryna MUNTIAN. "Management of development of the deposit resources for a strengthen of the bank's credit potential." Economics. Finances. Law, no. 12 (December 16, 2020): 20–25. http://dx.doi.org/10.37634/efp.2020.12.4.

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The paper is devoted to studying trends in the deposit market of Ukraine and establishing the relationship between the bank's deposit portfolio and strengthening its credit positions. This topic is relevant today, since the security of the deposit base is the key to the sustainable operation of banks in the crisis economy of Ukraine. The purpose of the paper is to study trends in the development of deposit activities of the banking system of Ukraine, establish the interdependence between the deposit resources of banks and the volume of credit operations to develop effective management measures
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Prandipa, Rayza, and Dedy Dwi Prastyo. "Predictive Analytics of Rural Bank Quality Credit." Eduvest - Journal of Universal Studies 5, no. 2 (2025): 1930–41. https://doi.org/10.59188/eduvest.v5i2.50826.

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Credit is the main business of rural banks. Credit distribution cannot be separated from the risk of default by the debtor which has an impact on reducing credit quality. Worsening credit quality has the potential to reduce bank income because the bank's main income comes from loan interest income. Apart from that, worsening credit quality also has an impact on increasing the burden of provisions for losses on productive assets. One effort that can be made to minimize credit risk is to predict credit quality so that you can identify early the potential for a decline in credit quality. This res
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ZHUKOVA, Irina A. "Overview of risk-forming factors that influence the achievement of commercial bank performance targets in the interaction with companies (of non-financial sector) during lending process." Finance and Credit 28, no. 5 (2022): 1058–77. http://dx.doi.org/10.24891/fc.28.5.1058.

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Subject. The article considers risk-forming factors in the credit process. Objectives. The purpose is to study and systematize risk factors that in the process of bank's credit interaction with companies (of non-financial sector) affect the achievement of the bank's performance targets. Methods. The study rests on the systems approach, using general scientific dialectical methods (analysis and synthesis, deduction and induction). Results. The paper highlights and systematizes the main risk-forming factors in the process of bank's credit interaction with non-financial sector companies, identifi
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Antonova, Olena. "MAIN THREATS TO THE FORMATION OF THE SECURITY SYSTEM OF BANKS CREDIT ACTIVITIES." Actual Problems of Economics 1, no. 223 (2020): 55–72. http://dx.doi.org/10.32752/1993-6788-2020-1-223-55-72.

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The article considers the main threats to the formation of the security system of credit activity of banks. It is proved that the security of banking institutions is multifunctional and complex. This is an important component of national security, which is characterized by balance and resilience to external and internal threats, its ability to achieve its goals and generate sufficient financial resources to ensure sustainable development. It is proposed to consider the security of banking activities as the security of the bank, banking staff, security of banking operations, as well as the secu
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Kalibaev, M. K., and A. B. Berikbaev. "Economic and mathematical model for developing the credit policy of commercial banks: a case study of «Bank CenterCredit» JSC." Central Asian Economic Review, no. 2 (July 10, 2025): 151–70. https://doi.org/10.52821/2789-4401-2025-2-151-170.

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The primary objective of this study is to develop an economic-mathematical model for constructing the credit policy of a commercial bank. This model is aimed at optimizing the structure of the credit portfolio, reducing credit risks, and enhancing the bank's financial stability in the context of a changing economic environment.The research methodology involves the application of economic-mathematical modeling techniques, such as correlation and regression analyses. These methods enabled the identification of key relationships between macroeconomic indicators and the internal parameters of the
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MUN, IBRAHIM, and ABDULAI B. DUMBUYA. "THE IMPACT OF CREDIT MANAGEMENT ON BANKS’ PROFITABILITY IN SIERRA LEONE: A CASE OF KAMAKWIE COMMUNITY BANK, KARENE DISTRICT." International Journal of Social Sciences and Management Review 08, no. 02 (2025): 555–66. https://doi.org/10.37602/ijssmr.2025.8223.

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The study's primary aim, to assess the impact of credit management on banks’ profitability, is of significant interest and importance to the banking industry. This study uses Kamakwie Community Bank as a case study for management on banks’ profitability, using Kamakwie in this crucial aspect of banking. The study is exploratory, and a mixed approach was used to explore primary and secondary data sources. A well-designed questionnaire was administered to 12 bank staff members, who were surveyed using purposive sampling, a method where participants are selected based on specific characteristics
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Piskunova Olena, Olena, Rostyslav Klochko, Tetiana Bilyk, and Tetyana Frolova. "MODELLING THE BANK CUSTOMER ACTIVITY DURATION BASED ON THE COX ECONOMETRIC SURVIVAL MODEL." Financial and credit activity problems of theory and practice 6, no. 53 (2023): 21–31. http://dx.doi.org/10.55643/fcaptp.6.53.2023.4244.

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The banking sector is constantly evolving, seeking effective ways to attract and retain clients, especially those with high financial potential. One of the ways to achieve this goal is to provide car loans at low interest rates, such as 0.01%. However, the untimely outflow of clients after repayment of the car loan becomes a significant problem for banks leading to the loss of potential income from other banking services. The research aims to evaluate the impact of selling additional banking services on increasing clients' activity duration. The research used statistics on opening new bank cli
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Rima Fadila. "Cadangan Kerugian Penurunan Nilai, Risiko Kredit, dan Kinerja Keuangan Perbankan Setelah Implementasi PSAK 71." Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen 4, no. 2 (2025): 465–74. https://doi.org/10.30640/inisiatif.v4i2.4016.

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The impairment of financial assets, credit risk, and banking performance are important topics in the banking industry that have undergone significant changes following the implementation of the Financial Accounting Standards Statement (PSAK) 71. PSAK 71, adopted to replace PSAK 55, requires banks to account for the allowance for im-pairment losses (CKPN) based on the more proactive expected credit loss (ECL) model, which takes into account potential future losses. This study aims to provide a literature review on the impact of PSAK 71 implementation on the allowance for impairment losses, cred
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Pushak, Ya, and N. Shevchenko. "Peculiarities of Formation and Management of Bank Resources in Modern Conditions." Economic Herald of the Donbas, no. 3 (69) (2022): 36–40. http://dx.doi.org/10.12958/1817-3772-2022-3(69)-36-40.

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The article examines the peculiarities of the formation and management of the resource potential of banks in modern conditions. The essence of the banks' financial potential, its structure, is determined. It has been investigated that the main negative factors affecting the formation and management of the resource potential of banks are: the Covid-19 coronavirus crisis, the war with Russia, the impact of the political and economic crisis on the economy, inflation, low incomes of the population, a decrease in the amount of free financial resources of citizens, a decrease the need for credit fun
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Emilda, Emilda, and Meilin Veronica. "Analisis Dampak Kebijakan Stimulus Covid–19 melalui Restrukturisasi Kredit pada Permodalan dan Likuiditas Perbankan dan BPR." Jurnal Ilmiah Ekonomi Global Masa Kini 13, no. 2 (2023): 137–41. http://dx.doi.org/10.36982/jiegmk.v13i2.2716.

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The new variant of COVID-19, namely the delta variant, has made the impact of the coronavirus disease 2019 (COVID 19) pandemic continue. Government policies that are still implementing Community Activity Restrictions (PPKM) have resulted in several business actors and employees experiencing a decline and even losing their income during the Covid-19 pandemic. The issuance of the POJK is an anticipatory and follow-up measure against a potential decrease in the debtor's capacity to pay debts to the bank. As a form of this anticipatory and follow-up effort, the Financial Services Authority (OJK) e
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Dissertations / Theses on the topic "Bank's credit potential"

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Кравець, А. Ю. "Фактори впливу щодо формування та реалізації кредитного потенціалу банку". Thesis, Українська академія банківської справи Національного банку України, 2008. http://essuir.sumdu.edu.ua/handle/123456789/61069.

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Сьогодні стан банківського сектора свідчить про те, що банківські установи все більше стали виконувати функцію посередника у сфері надання фінансових послуг фізичним та юридичним особам. Протягом 8 місяців поточного року активи банків збільшилися на 23,5 %, або на 141,1 млрд. грн. і становлять 740,5 млрд. грн. Загальні активи збільшилися на 23,7 %, або на 146,7 млрд. грн. і становлять 765,8 млрд. грн. Збільшення загальних активів відбулося в основному за рахунок збільшення кредитів, наданих банками, – на 26,8 %, або на 130,3 млрд. грн., з них: кредитів, що надані суб’єктам господарюван
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Hult, Christina, and Ofelia Isberg. "Potential challenges that occur within the banks credit assessment of property companies." Thesis, KTH, Fastigheter och byggande, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-152602.

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Our study highlights the potential challenges that occur within the banks credit assessment of property companies’ repayment ability and what improvements can be implemented to reduce the weaknesses of the credit process. The study aims to provide a greater understanding of how the credit assessment process works within a bank and to pay attention to where potential weaknesses in the system are located. The study is based on theoretical and empirical data. The theoretical part of the study is based upon evidence from literary and scientifical sources, while the empirical data consists of inter
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Lanz, Luciano Quinto. "The potential role of SMEs’ credit guarantee schemes to promote financial inclusion in Brazil." reponame:Biblioteca Digital do Banco Nacional de Desenvolvimento Econômico e Social, 2017. http://web.bndes.gov.br/bib/jspui/handle/1408/12915.

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Dissertação (mestrado) - Columbia University - School of International and Public Affairs, New York, 2017<br>Bibliografia: p. [64]-72<br>All rights reserved. The total or partial reproduction of the work is prohibited without authorization from the University, the author and the advisor.<br>Texto em inglês e resumos em inglês e português<br>A dificuldade de acesso ao crédito é um dos maiores obstáculos para a sobrevivência das pequenas e médias empresas (PMEs). Uma das principais razões para isso é a falta de garantias. Essa situação se reflete na baixa competitividade e alta desigualdade do B
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Карбівничий, І. В. "Механізм формування та реалізації кредитної політики банку". Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/51574.

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У дисертаційній роботі систематизовано та узагальнено теоретичні засади формування, досліджено напрямки реалізації та визначено шляхи удосконалення кредитної політики банку. Сформульовано авторське визначення економічної сутності кредитної політику банку та досліджено ключові елементи механізму формування даної політики. Обґрунтовано доцільність виділення у структурі механізму ефективної реалізації кредитної політики механізму банківського кредитування та механізму фінансового забезпечення, який вивчався на основі дослідження кредитного потенціалу банку. Удосконалено методику оцінки кредитос
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NILSSON, THERESE, and SARKIS MURADIAN. "Olika aktörers syn på bostadsrättsmarknadens utveckling : Med fokus på Göteborgs innerstad." Thesis, Högskolan i Borås, Institutionen Handels- och IT-högskolan, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-20759.

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Under de senaste åren har det i media spekulerats om en eventuell bubbla på den globala bostadsmarknaden. Den internationella finanskrisen blev slutet på en stadig bostadsprisutveckling i många länder. Under 2010 låg bostadspriserna på högre nivåer än innan finanskrisen och det har spekulerats att priserna kan komma att falla i betydande mängd. Frisell och Yazdi har kommit fram till att prisutvecklingen på den svenska bostadsmarknaden i stor utsträckning kan förklaras av två verkliga faktorer, högre disponibla inkomster och strukturellt lägre reala bolåneräntor.Vi har i denna uppsats studerat
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Books on the topic "Bank's credit potential"

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Berger, Allen N. Potential competitive effects of Basel II on banks in SME credit markets in the United States. Federal Reserve Board, 2004.

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Office, General Accounting. Farm Credit System: Potential impacts of FCB mergers on farmer and rancher borrowers : report to Congressional committees. The Office, 1994.

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Charles, Proctor. Part C The Banker–Customer Relationship, 18 Duties of the Collecting Bank. Oxford University Press, 2015. http://dx.doi.org/10.1093/law/9780199685585.003.0018.

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This chapter considers the bank's position in collecting cheques and other items for the credit of the customer. It discusses the collection and clearance of cheques; statutory protections available to the collecting bank; and the potential liability of the collecting bank to third parties.
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Joosen, Bart, and Kitty Lieverse. Relief from Prudential Requirements to Support the Capital Markets Union. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198813392.003.0020.

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This chapter examines the regulatory impediments to financing by European banks of corporate borrowers and the means to improve the financing capability of banks. In this context, it not only looks at banks, but also considers the position of another type of a highly regulated funder: European insurance companies. The working assumption is that capital requirements, and risk weights for credit risks in particular, have an impact on the capability of banks to lend. Quite simply, a higher risk weight of an exposure increases the capital a bank needs to maintain in connection with such exposure.
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Kay, Philip. Financial Institutions and Structures in the Last Century of the Roman Republic. Oxford University Press, 2017. http://dx.doi.org/10.1093/oso/9780198790662.003.0005.

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This chapter examines Rome’s changing financial structure between the second and first centuries BC, arguing that early Roman financial intermediaries provided a mechanism for the creation of money beyond the available supply of precious metals, serving to expand Rome’s total money supply. Rome’s argentarii functioned like modern deposit bankers in a number of ways, and the money-multiplier effect of deposit banking would have enabled significant commercial expansion. But, by the mid-first century BC and as a result of Mithradates VI’s invasion of the province of Asia, and the ensuing credit c
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Prah Ruger, Jennifer. The World Bank and Other Organizations. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780199694631.003.0009.

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Since its founding in 1944, the World Bank’s development priorities and approach—along with its global role—have changed from rebuilding Europe to relieving poverty in the developing world. New thinking and evidence have reshaped both development views and the Bank’s practices and decisions. The Bank has been the largest financier of health, nutrition, and population (HNP) programs in developing countries. It has expanded operational research and analysis, including its Special Programme of Research, Development and Research Training in Human Reproduction, WHO/United Nations Development Progra
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The State Of Community Banks And Credit Union And The Potential Role Of The Dodd-Frank Act. Nova Science Pub Inc, 2013.

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Farm Credit System: Potential impacts of FCB mergers on farmer and rancher borrowers : report to congressional committees. The Office, 1994.

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Farm Credit System: Potential impacts of FCB mergers on farmer and rancher borrowers : report to congressional committees. The Office, 1994.

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Bandyopadhyay, Arindam. Basic Statistics for Risk Management in Banks and Financial Institutions. Oxford University Press, 2022. http://dx.doi.org/10.1093/oso/9780192849014.001.0001.

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The book provides an engaging account of theoretical, empirical, and practical aspects of various statistical methods in measuring risks of financial institutions, especially banks. In this book, the author demonstrates how banks can apply many simple but effective statistical techniques to analyse risks they face in business and safeguard themselves from potential vulnerability. It covers three primary areas of banking risks—credit, market, and operational risk, and in a uniquely intuitive, step-by-step manner, the author provides hands-on details on the primary statistical tools that can be
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Book chapters on the topic "Bank's credit potential"

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Crespi, Fabrizio. "Using Open-End Mutual Fund Resources to Finance SMEs: The Potential Market Share of ELTIFs." In Access to Bank Credit and SME Financing. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-41363-1_11.

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Ghirelli, Corinna, Samuel Hurtado, Javier J. Pérez, and Alberto Urtasun. "New Data Sources for Central Banks." In Data Science for Economics and Finance. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-66891-4_8.

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AbstractCentral banks use structured data (micro and macro) to monitor and forecast economic activity. Recent technological developments have unveiled the potential of exploiting new sources of data to enhance the economic and statistical analyses of central banks (CBs). These sources are typically more granular and available at a higher frequency than traditional ones and cover structured (e.g., credit card transactions) and unstructured (e.g., newspaper articles, social media posts, or Google Trends) sources. They pose significant challenges from the data management and storage and security
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Lo Cascio, Martino, and Mauro Aliano. "The Potential Evolution of the Supply of Credit to the Productive Chain: A Focus on Italy and the Regional Sardinian Economy." In Financial Crisis, Bank Behaviour and Credit Crunch. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-17413-6_11.

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Auzepy, Alix, and Christina E. Bannier. "Results." In Integrating Climate Risks in Bank Risk Management and Capital Requirements. Springer Fachmedien Wiesbaden, 2025. https://doi.org/10.1007/978-3-658-47061-6_4.

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Abstract We start by discussing important features of Pillar 1 and explore both potential and existing approaches for integrating climate risks. As noted in Section 3.3, Pillar 1 focuses on the establishment of minimum capital requirements for three primary types of risk: credit risk, market risk and operational risk. Under this framework, capital requirements are calculated as fixed percentages of RWA based on these risk types (Holscher et al. 2022).
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Olubiyi, Timilehin Olasoji, Abolaji Oladimeji Odumesi, Kowo Solomon Akpoviroro, Kali Charan Rath, and Omofolasaye Omobolanle Adegoke. "Potential of Small and Medium Enterprises Growth." In Understanding Human Decision-Making in Economic Models. IGI Global, 2025. https://doi.org/10.4018/979-8-3693-8166-3.ch005.

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The common factors determining commercial banks' lending to SMEs are internal and external. This study assessed the combined effect of these two factors that determine the commercial banks' credit accessibility and SMEs' growth in Nigeria. Data from 1990 to 2023 were used to evaluate the hypothesis. The outcome demonstrates that the internal factors of commercial banks factors on credit accessibility to SMEs were 0.039110 and statistically significant at the 5% level (p-value = 0.0254). The outcome suggests that internal factors of commercial bank determinants on the availability of credit to
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Diamond, Douglas W. "Liquidity, Banks, and Markets." In Credit, Intermediation, and the Macroeconomy. Oxford University PressOxford, 2004. http://dx.doi.org/10.1093/oso/9780199242948.003.0007.

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Abstract Financial markets and banks are competing mechanisms that provide investors with liquidity by providing access to their capital, at good terms, on short notice. This chapter examines the impact of banks on the liquidity provided to investors and, in addition, on the liquidity provided by markets. Markets can provide too little liquidity when some potential investors are not continuously available for trade. If there is this limited participation in the market, banks lower the cost of giving investors rapid access to their capital. Banks hold assets to finance demand deposits offered t
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Nucho, Joanne Randa. "From Shirkets to Bankas." In Everyday Sectarianism in Urban Lebanon. Princeton University Press, 2016. http://dx.doi.org/10.23943/princeton/9780691168968.003.0004.

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This chapter argues that in Lebanon, economic networks of credit and lending can further contribute to the production of sectarianism as well as the narrowing of the definition of who can be an adequate member of the sectarian “community.” It discusses women's rotating credit associations or shirkets and the rise of a microlending facility that sought to formalize and contain these practices under the more centralized control of an official, Armenian-run organization. The desire to control or replace the shirket practices can be traced back to political actors' long-standing fear of women's in
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Das, Sulagna. "Impact of Stressed Assets on Bank’s Performance: A Study of Indian Banks Using Panel Data Analysis." In Contemporary Business Practices and Sustainable Strategic Growth. BENTHAM SCIENCE PUBLISHERS, 2025. https://doi.org/10.2174/9789815322071125010017.

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Continuously high stressed asset levels have a detrimental effect on the banking industry and, in turn, on economic expansion. Risk associated with the banking sector is therefore thought to have a significant influence on macroeconomic stability and sovereign credit risk. While there may be a variety of factors influencing the amount of stressed assets, this study explicitly examines and concludes that bank ownership in India is a significant determinant, and the effectiveness of the regulatory framework is crucial for prompt stress recognition. The recovery of non-performing assets (NPAs) re
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Freixas, Xavier, and Bruno Parigi. "Contagion and Efficiency in Gross and Net Interbank Payment Systems." In Credit, Intermediation, and the Macroeconomy. Oxford University PressOxford, 2004. http://dx.doi.org/10.1093/oso/9780199242948.003.0014.

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Abstract The impressive growth in the value of daily interbank payments1 has raised concerns about the potential systemic risk induced by contagion. This effect, also known as the domino effect, occurs if the failure of a large financial institution to settle payment obligations triggers a chain reaction that threatens the stability of the financial system. (See, among others, Brimmer (1989).) The two main types of large-value interbank payment systems, “net” and “gross,” differ sharply in their exposure to contagion risk. In the former, netting the positions of the different banks through com
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Goletsis, Y., C. Papaloukas, Th Exarhos, and C. D. Katsis. "Bankruptcy Prediction through Artificial Intelligence." In Machine Learning. IGI Global, 2012. http://dx.doi.org/10.4018/978-1-60960-818-7.ch320.

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Bankruptcy prediction or corporate failure is considered a classic issue in both, academic and business communities. Bankruptcy risk is one of the most important factors (if not the most important one) to be considered when credit requests are screened or even existing debtors are evaluated. On the other hand, all potential stakeholders (shareholders, suppliers, customers, employees, creditors, auditors, etc.) have potential interest to identify if a company is on a trajectory that is tending towards failure. Commercial banks, public accounting firms and other institutional entities (e.g., bon
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Conference papers on the topic "Bank's credit potential"

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ZENGIN, Bekir. "Trends in Transition: Fintech Credit Effects on Romanian Bank Stability." In The International Conference on Economics and Social Sciences. Editura ASE, 2024. http://dx.doi.org/10.24818/icess/2024/056.

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This research aims to look into the link between fintech lending and bank stability. In order to establish how fintech lending influences the stability of banks in Romania, regression analysis was performed for the timeframe 2017-2020. In this sense, indicators pertaining to fintech lending, Z-scores, and liquidity were used in the research. The findings of the study underline that improvements in fintech lending impact in a negative way the bank's Z-score. Given the altered competition between organisations in Romania, bank stability might have been threatened by an increase in fintech lendin
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Roeder, Jan. "Alternative Data for Credit Risk Management: An Analysis of the Current State of Research." In Digital Support from Crisis to Progressive Change. University of Maribor Press, 2021. http://dx.doi.org/10.18690/978-961-286-485-9.13.

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Determining credit risk is important for banks and nonbanks alike. For credit risk management, the heterogeneous data generated today can potentially complement the established data such as balance sheet ratios. It has not yet been clearly shown which alternative data sources, such as social media or satellite data, provide added value and how this value can be extracted effectively. This review provides an overview of the intersection between these areas and develops a research agenda. The analysis of the 29 identified papers shows that the use of financial news is analyzed most frequently. S
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Caprian, Iurie. "Activitatea inovațională a băncilor din Republica Moldova." In Economic growth in the conditions of globalization. International Scientific-Practical Conference, XVIth edition. National Institute for Economic Research, 2022. https://doi.org/10.36004/nier.cecg.iii.2022.16.18.

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The innovative activity of the banks constitutes the complex of measures aimed at the development of new banking products and/or the improvement (modification) of the existing ones in order to satisfy the conscious and/or potential needs of banking customers. Also, these activities are intended to create competitive advantages for the processing banks, and on this basis, it is important to growth the profitability of banking institutions by increasing the sales of banking products. To elaborate this work, were studied the works of experts in the field of banking innovations as well as the evol
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Yusupova, O., and V. Vinichenko. "APPLICATION OF ARTIFICIAL INTELLIGENCE IN THE ACTIVITIES OF BANKS." In Digital transformation in the economy of the transport complex. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/conferencearticle_678931075647d7.34479950.

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During the economic crisis, competition intensifies in the banking market. It is due to the fact that a decrease in the level of income of the population leads to a decrease in the quality of borrowers, both potential and existing. Banks are not interested in deteriorating the quality categories of loans in their loan portfolio and are forced to refuse borrowers with a high level of maximum debt load. To improve the decision-making process on credit products and the processes of monitoring the quality of existing loans, artificial intelligence technologies have been widely used.
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Dedinský, Juraj. "Fintech and Big Tech As the New Credit Provider." In EDAMBA 2021 : 24th International Scientific Conference for Doctoral Students and Post-Doctoral Scholars. University of Economics in Bratislava, 2022. http://dx.doi.org/10.53465/edamba.2021.9788022549301.82-91.

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The change that new technologies will bring to the banking sector can take many forms. Some of these can be already seen in the field of payments, various types of investments but also loans for retail clients and small companies. On one hand, current banks could continue to dominate by providing additional benefits to customers through improvements enabled by technological innovation. On the other hand, current banks may find themselves in a customer battle with new, more agile market participants, who are faster in adopting innovations that meet clients' needs. These developments have the po
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Mardari, Liliana, Ala Betivu, Nicoleta Mateoc-Sirb, and Nina Putuntean. "Involvement of commercial banks in credit and financing of the agricultural sector." In 4th Economic International Conference "Competitiveness and Sustainable Development". Technical University of Moldova, 2022. http://dx.doi.org/10.52326/csd2022.37.

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The access of enterprises from the agrarian sector in the Republic of Moldova to credit and financing depends on their financial potential, determined by the specificity of agricultural production, but also by the specificity and efficiency of the national financial institution. Despite the specificity of the activity in the agricultural sector, financing opportunities are constantly increasing. Commercial banks, as specialized financial-lending institutions, are involved in financial support by granting loans, offering financing projects/programs, as well as in subsidized lending to agricultu
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Aseinov, Dastan. "Factors Affecting Cost Efficiency in the Banking Sector of Kyrgyzstan." In International Conference on Eurasian Economies. Eurasian Economists Association, 2017. http://dx.doi.org/10.36880/c08.01907.

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Instabilities in the banking sector have had an adverse effect on the economy as a whole, since the largest share in the financial system and financial intermediation in Kyrgyzstan have been captured by banking sector. Economic efficiency in banking can be viewed as a source of financial stability of banking system. Economic efficiency of the banking is more important challenge not only for shareholders and managers of banks, and also for regulation and supervision authorities, and public and potential investors. &#x0D; The aim of this study is to examine factors affecting the banking cost eff
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Parne, Prudhvi. "Cloud Computing Strategy and Impact in Banking/Financial Services." In 5th International Conference on Computer Science and Information Technology (COMIT 2021). Academy and Industry Research Collaboration Center (AIRCC), 2021. http://dx.doi.org/10.5121/csit.2021.111704.

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With recent advances in technology, internet has drastically changed the computing world from the concept of parallel computing to distributed computing to grid computing and now to cloud computing. The evolution of cloud computing over the past few years is potentially one of the major advances in the history of computing. Unfortunately, many banks are still hesitant to adopt cloud technology. New technologies such as cloud and AI will have the biggest impacts on the banking industry. For banks and credit unions wanting to achieve greater business agility, cloud technology enables organizatio
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Koumpan, Elizabeth, Ram Ravishankar, and Periasamy Girirajan. "On Demand Loans Real Time Service: Essential User Feature by the Banks in Society 5." In 13th International Conference on Applied Human Factors and Ergonomics (AHFE 2022). AHFE International, 2022. http://dx.doi.org/10.54941/ahfe1002254.

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Investing for a Sustainable Future is driving major client buying behaviors and long-term corporate strategies. We are currently at the transition between the 3rd Industrial Revolution (the computer / Internet based information industry), and the 4th Industrial Revolution (driven by digital transformation, AI, IoT, Blockchain), emerging into the 5th Industrial Revolution. This transition drives an unprecedented connection of business to purpose, democratizing technology for consumers with ease of use and integration of cyberspace with physical space In addition, Covid-19 has acted as a catalys
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Wong, Wing-Keat (Wayne), Brad Wiebe, Curtis Treen, and John Richmond. "Preserving Pipeline Integrity With Large Diameter Stone Columns at Dead Horse Creek Crossing, Southern Manitoba, Canada." In 2018 12th International Pipeline Conference. American Society of Mechanical Engineers, 2018. http://dx.doi.org/10.1115/ipc2018-78651.

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Pipeline integrity has been threatened at the Dead Horse Creek pipeline crossing in southern Manitoba by a slow-moving slope failure with a potential for crest retrogression. The movement zone extends from the slope crest to the bottom of the creek, a vertical distance of about 25 m and is approximately 80 m long from toe to scarp and 100 m wide along the creek. The slope has degraded over time and is controlled by the combination of local geology, which consists of weak colluvium overlying high plastic clay shale, and creek bank erosion and channel degradation. Saturated soil conditions, a fu
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Reports on the topic "Bank's credit potential"

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Suarez, David, Juan Manuel Puerta, Thomas Reichmann, Juan Carlos Di Tata, and Cheryl Gray. IDB-9: Macroeconomic Sustainability Assessments. Inter-American Development Bank, 2013. http://dx.doi.org/10.18235/0009099.

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One of the most debated parts of the IDB-9 Agreement was the requirement that the Inter-American Development Bank (IDB or Bank) enhance its macroeconomic analysis and link it to its country programming to avoid lending in unsustainable macroeconomic situations. The IDB-9 Agreement mandated that the Chief Economist prepare annual Macroeconomic Sustainability Assessments for each borrowing country and that a positive judgment on sustainability is one of the prerequisites, among others, for maintaining the Bank's aggregate exposure with the country including both sovereign and non-sovereign opera
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Maffioli, Alessandro, Marcela Eslava, and Marcela Meléndez Arjona. Second-tier Government Banks and Firm Performance: Micro-Evidence from Colombia. Inter-American Development Bank, 2012. http://dx.doi.org/10.18235/0011356.

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Despite the large potential gains from credit by second-tier development banks, little is known about the actual impact of these banks' lending activity. This study partially fills that gap by analyzing the impact of the lending activity of Bancoldex, the Colombian second-tier development bank, on firm performance. The evaluation uses data over a several-year period on loans granted to firms by Bancoldex and on performance for all manufacturing establishments with 10 or more employees.
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Butler, Anthony, José Fernando Moreno Gutiérrez, Carlos León, and Kimmo Soramäki. Liquidity-Saving Mechanisms in Trade Credit Networks: Optimising Corporate Liquidity. FNA, 2023. http://dx.doi.org/10.69701/rthh6385.

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We suggest a similar approach to mitigate liquidity and counterparty risks in trade credit networks. By introducing a new Financial Market Infrastructure (FMI) that runs LSMs in trade credit networks, we can reduce the outstanding exposures among firms, reduce the payment terms, and mitigate potential risks arising from undesirable network and feedback loop effects. This way, by implementing LSMs, risks and potential amplification effects from trade credit exposures are mitigated while their potential contribution to firms’ growth, supply chain resilience, and economic activity is preserved. B
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González, Francisco, José E. Gutiérrez, and José María Serena. Shadow seniority? Lending relationships and borrowers’ selective default. Banco de España, 2024. http://dx.doi.org/10.53479/36695.

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This paper analyzes how lending relationships affect firms’ incentives to default, drawing on loan-level data in Spain. We provide new evidence showing that firms first default on loans from less important (“non-main”) banks to preserve their most valuable lending relationships. Our findings also indicate that banks integrate this borrower behavior into their credit risk management because the most important banks within a borrower’s set of lending relationships recognize lower discretionary loan impairments. The results are robust to alternative difference-in-difference (DID) analyses and con
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Caballero, Julián, Jonathon Adams-Kane, and Jamus Lim. Foreign Bank Behavior during Financial Crises. Inter-American Development Bank, 2014. http://dx.doi.org/10.18235/0011648.

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This paper studies whether lending by foreign banks is affected by financial crises. The paper pairs a bank-level dataset of foreign ownership with information on banking crises and examines whether the credit supply of majority foreignowned banks that underwent home-country crises differs systematically from that of other foreign banks. The baseline results show that banks exposed to homecountry crises in 2007 and 2008 exhibit changes in lending patterns that are lower by between 13 and 42 percent than their non-crisis counterparts. This finding is robust to potential alternative explanations
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Acharya, Viral V., Nicola Cetorelli, and Bruce Tuckman. Where Do Banks End and NBFIs Begin? Federal Reserve Bank of New York, 2024. http://dx.doi.org/10.59576/sr.1119.

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In recent years, assets of nonbank financial intermediaries (NBFIs) have grown significantly relative to those of banks. These two sectors are commonly viewed either as operating in parallel, performing different activities, or as substitutes, performing substantially similar activities, with banks inside and NBFIs outside the perimeter of banking regulation. We argue instead that NBFI and bank businesses and risks are so interwoven that they are better described as having transformed over time, rather than as having migrated from banks to NBFIs. These transformations are at least in part a re
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Baskaya, Soner, José E. Gutiérrez, José María Serena, and Serafeim Tsoukas. Bank supervision and non-performing loan cleansing. Banco de España, 2024. http://dx.doi.org/10.53479/37596.

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This paper studies whether supervisory actions, namely provisioning guidelines on non-performing loans (NPLs), affect banks’ NPL cleansing and lending behaviour, as well as the real economy. Using the supervisory intervention announced by the European Central Bank in the first quarter of 2018 as a quasi-natural experiment, we show that banks disposed of old NPLs at a higher rate after the policy shift. Banks that were more heavily exposed to the policy tightened their lending standards, especially for risky firms. Furthermore, banks with stronger fundamentals were more keen on disposing NPLs a
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Bedayo, Mikel, and Jorge E. Galán. The impact of the Countercyclical Capital Buffer on credit: Evidence from its accumulation and release before and during COVID-19. Banco de España, 2024. http://dx.doi.org/10.53479/36312.

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The countercyclical capital buffer (CCyB) has become a very important macroprudential tool to strengthen banks’ resilience. However, there is still limited evidence of its impact on lending over the cycle. Using data of 170 banks in 25 European Union countries, we provide a comprehensive assessment of how the CCyB release during the pandemic and its earlier accumulation impacted lending activity. We find that the CCyB has significant effects on lending, but that these effects are highly dependent on banks’ capitalization levels and, more importantly, on their headroom over regulatory requireme
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Anderson, Erika, and Dominic Chalmers. The Shifting Locus of Authoritative Advice for Gen-Z and Their Financial Lives: An Opportunity for the Credit Union Sector? University of Glasgow and University of Strathclyde, 2025. https://doi.org/10.36399/gla.pubs.349744.

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Gen Z are reshaping the way financial advice is sought and acted upon. Moving away from traditional sources like family, banks, and financial advisors, younger generations are turning to social media platforms like TikTok and Instagram, where financial influencers —“finfluencers”— offer accessible, though often unregulated, advice. While this shift has democratized financial education, it has also introduced significant risks to advice-seekers, including misinformation, high-risk investment recommendations, and a lack of regulatory oversight. For Credit Unions, this transformation presents cha
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Macdonald, Kier. Financing for Micro, Small, and Medium-sized Enterprises in Kenya. Institute of Development Studies, 2025. https://doi.org/10.19088/k4dd.2025.006.

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This rapid evidence review assesses the recent academic and grey literature on the topic of financing for micro, small and medium-sized enterprises (MSMEs) in Kenya . The literature reveals a dearth of highly-cited papers on the topic, and while there are a number of studies which are positive on the effectiveness of different types of financing on the performance of MSMEs, there is scope for further literature which engage with the potential risks or problems associated with different financing methods. The literature demonstrates that the landscape for MSME financing in Kenya is relatively f
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