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

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

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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2

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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3

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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5

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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8

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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9

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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I Kadek Gita Permana and Henny Rahyuda. "The Effect of Liquidity, Bank Capital, Profitability, and Operational Efficiency On Credit Risk (A Case Study On Banking Sub-Sector Companies Listed On The Indonesia Stock Exchange For The Period 2019-2023)." International Journal of Management Research and Economics 3, no. 1 (2024): 323–47. https://doi.org/10.54066/ijmre-itb.v3i1.2817.

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Banks serve as intermediary institutions that collect funds and channel them back into various forms of investment within society. A bank's primary activity of lending funds to the public carries the risk of default or nonpayment by borrowers, referred to as credit risk. Proper management of credit risk is crucial, as increasing proportions of non-performing loans can lead to poor banking health conditions. This study aims to examine, analyze, and explain the influence of liquidity, bank capital, profitability, and operational efficiency on credit risk. The sample for this research consists of

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12

Ying, Li. "Research on bank credit default prediction based on data mining algorithm." International Journal of Social Sciences and Humanities Invention 5, no. 6 (2018): 4820–23. http://dx.doi.org/10.18535/ijsshi/v5i6.09.

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It is of great importance to identify the potential risks to the bank's loan customers. Based on data mining technology, it is an effective method to classify loan customers by classification algorithm. In this paper, we use Random Forest method, Logistic Regression method, SVM method and other suitable classification algorithms by python to study and analyze the bank credit data set, and compared these models on five model effect evaluation statistics of Accuracy, Recall, precision, F1-score and ROC area. This paper use the data mining classification algorithm to identify the risk customers f

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13

Chongwatpol, Jongsawas. "Credit Card Applications Pending – Who are Our Best Prospect Cardholders? Improved Decisions through Business Analytics and Business Intelligence." Journal of Information Technology Teaching Cases 8, no. 1 (2018): 29–44. http://dx.doi.org/10.1057/s41266-016-0009-8.

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This case is designed to illustrate how to utilize the business intelligence framework and business analytics to make proper decisions in the turbulent and competitive business environment. The case started when Jong, the junior vice president in the modeling and analyst department of ABC Bank of Thailand, and his team were drafting a proposal presentation on the new credit card approval processes. Jong believed that it was time to overhaul credit card application processes by employing more sophisticated analytical techniques to analyze customer and credit card data. ABC- Premier Card, the ba

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14

Karentia, Angel, and Derwin Suhartono. "The influence of sentiment analysis in enhancing early warning system model for credit risk mitigation." IAES International Journal of Artificial Intelligence (IJ-AI) 14, no. 3 (2025): 1829. https://doi.org/10.11591/ijai.v14.i3.pp1829-1838.

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<p><span lang="EN-US">One important source of bank income is interest income from credit activities, another part of which is obtained from fee-based income. Rapid credit growth is directly proportional to an increase in potential credit risk (counterparty default). In addition to comprehensive credit assessment at the initial stage of credit initiation, banks need to monitor the condition of existing debtors. Empirically, difficulties in handling non-performing loans often occur due to delays in detection and preparation of action plans. In this case, losses due to non-performing

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15

Liban, Muhudin Alim, and Onyango James. "Macroeconomics Determinants of Interest Rate Spreads Among Commercial Banks in Kenya." Journal of Economics, Finance And Management Studies 07, no. 04 (2024): 1738–52. https://doi.org/10.5281/zenodo.10931540.

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The determination of interest rate spread in commercial banks is influenced by various macroeconomic variables, market microstructure features and the policy environment. However, studies on factors that contribute to the interest rate spreads among commercial banks in Kenya have produced mixed results that calls for further research. This study aimed to assess the determinants of interest rate spread in commercial banks in Kenya. Specifically, the study sought to establish the effect of inflation rate, domestic borrowing, credit risk and exchange rate risk on the interest rate spreads among c

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16

ПЕРОВА, А. Е. "THE BANK'S INTERNAL CONTROL AND SUPERVISION SYSTEM." Экономика и предпринимательство, no. 9(158) (November 18, 2023): 962–67. http://dx.doi.org/10.34925/eip.2023.158.09.184.

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Внутренний банковский контроль и надзор обеспечивает сохранность активов, качество учета и достоверность отчетности, выявление резервов, охватывает все сферы организационной деятельности и направлен на эффективное управление Банком. Создание Банком системы внутреннего контроля и надзора является актуальной задачей, от решения которой в значительной степени зависит потенциал стабильного развития банковской системы РФ и каждой кредитной организации в отдельности. Internal banking control and supervision ensures the safety of assets, the quality of accounting and reliability of reporting, identif

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17

KITAEVA, Zhanna S. "Economic analysis in the context of controlling the diversification of bank resource sources." International Accounting 28, no. 6 (2025): 93–107. https://doi.org/10.24891/ohjvvy.

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Subject. This article analyzes the diversification of funding sources for bank resources, which can be viewed as a procedure for internal control of the bank's resilience to external risks. Objectives. The article aims to develop an analytical methodology for assessing the structure, stability, and qualitative characteristics of financial sources of bank resources. Methods. For the study, I used systems and comprehensive approaches, methods of economic analysis, and statistical methods. Results. Based on the assessment of the diversification of funding sources for financial institutions, the a

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18

Krasnova, Іryna, Vladislav Lavreniuk, and Andrii Nikitin. "Identification of risks of the bank business model." VUZF Review 7, no. 1 (2022): 43–54. http://dx.doi.org/10.38188/2534-9228.22.1.05.

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This study highlights the identification of risks and sources of their occurrence depending on the business areas of the bank’s activity. The analysis of financial risks is focused on the description of risks indicators of the business model of a bank, which is the object of the study, and is done by using economic and statistical methods. The study suggests to divide financial risks into significant, specific, corrective. It was noted that the proportions of risks are taken by the bank form a risk landscape. Based on a review of annual reports of the analyzed bank, the sources of potential lo

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19

Sapkota, Raju. "Analyzing the Trade-offs Between Credit Risk Management and Profit Maximization in Nepalese Development Banks." New Journey 2, no. 2 (2024): 74–93. https://doi.org/10.3126/njumc.v2i2.78775.

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Effective credit risk management helps mitigate potential drawbacks and enhances the financial performance of development banks. This, in turn, leads to rewarding outcomes for both employees and shareholders, acknowledging their contributions and investments. Credit risk management serves as a crucial predictor of a bank's profitability. Therefore, it significantly influences the financial performance of the bank. The main objective of the study is analyzed the relationship between credit risk management and profitability of Nepalese development banks. Data from a sample of 8 national level de

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20

Akaro Mainoma, Prof Mohammed, Prof Solomon Aza Prof. Solomon Aza, and Obed Bontur Ishaku. "Effect Of Audit Committee and Risk Committee Attributes on Risk Disclosures of Listed Deposit Money Banks in Nigeria." Journal of Research in Business and Management 13, no. 6 (2025): 169–78. https://doi.org/10.35629/3002-1306169178.

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Risk disclosures are an essential component of corporate governance, as they provide stakeholders with vital information on the financial health and risk exposures of companies. For financial institutions like Nigerian Deposit Money Banks (DMBs), these disclosures are particularly critical, as they help to assess a bank's resilience to potential risks such as credit, operational, market, and liquidity risks.This study examines the effect of audit and risk committee attributes on risk disclosures within Nigerian Deposit Money Banks (DMBs). Using panel regression analysis on data from 140 bank-y

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21

Sa'diah, Firda Astrid, Rini Syarif, and Zul Azhar. "Analisis Atas Prosedur Pembiayaan Kredit Pemilikan Rumah BTN Platinum." Jurnal Aplikasi Bisnis Kesatuan 4, no. 3 (2024): 361–70. http://dx.doi.org/10.37641/jabkes.v4i3.1927.

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To facilitate its role as a fund distributor to the public, the bank has established credit financing procedures. With these procedures, the bank can process credit financing in a uniform, systematic manner, in accordance with government regulations and the bank's own policies. Credit financing procedures also help the bank assess the feasibility of potential debtors and reduce the risks associated with credit financing. This paper aims to understand the procedures for Home Ownership Loans (Kredit Pemilikan Rumah, KPR) at PT. Bank Tabungan Negara (Persero) Tbk and to determine the alignment of

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Kovalova, Olena, and Maria Iorgachova. "Peculiarities of Managing Credit Portfolio and Credit Risks of Commercial Bank in the Context of Stimulating Investment Processes in Economy." Economics: time realities 1, no. 71 (2024): 32–39. http://dx.doi.org/10.15276/etr.01.2024.4.

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The article explores the theoretical and methodological aspects of managing the loan portfolio and credit risks of a commercial bank in the context of the need to stimulate investment processes in the economy. The article considers the essential characteristics of the loan portfolio of a commercial bank and allocates its key features with clarification of their economic content in terms of the qualitative aspect of formation and management of the pool of credit assets. The study examines current approaches to assessing the credit portfolio of a commercial bank, taking into account its key char

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Kovalova, Olena, and Maria Iorgachova. "Peculiarities of Managing Credit Portfolio and Credit Risks of Commercial Bank in the Context of Stimulating Investment Processes in Economy." Economics: time realities 1, no. 71 (2024): 32–39. https://doi.org/10.5281/zenodo.10914554.

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The article explores the theoretical and methodological aspects of managing the loan portfolio and credit risks of a commercial bank in the context of the need to stimulate investment processes in the economy. The article considers the essential characteristics of the loan portfolio of a commercial bank and allocates its key features with clarification of their economic content in terms of the qualitative aspect of formation and management of the pool of credit assets. The study examines current approaches to assessing the credit portfolio of a commercial bank, taking into account its key char

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24

Ilyas, Rahmat. "Analisis Risiko Pembiayaan Bank Syariah." BISNIS : Jurnal Bisnis dan Manajemen Islam 7, no. 2 (2019): 189. http://dx.doi.org/10.21043/bisnis.v7i2.6019.

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<p><em>Financing or financing is funding provided by one party to another party to support the planned investment, whether done alone or in an institution. Risk in the banking context is a potential event, both predictable and unpredictable that has a negative impact on bank income and capital. The main reason for the occurrence of credit risk is that banks are too easy to lend or invest because they are too required to take advantage of excess liquidity, so that credit assessments are less careful in anticipating various possible business risks that they finance. Risk management i

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Siti Ambar Alya Hanifah, Tina Kartini, and Risma Nurmilah. "Analysis Of The Subsidized Home Ownership Loan (Kpr) Granting Process In Preventing Non-Performing Loans (Case Study At PT. Bank Tabungan Negara Sukabumi Branch Office)." Primanomics : Jurnal Ekonomi & Bisnis 22, no. 3 (2024): 209–18. http://dx.doi.org/10.31253/pe.v22i3.3206.

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This study analyzes the Subsidized Home Ownership Credit (KPR) Provision Process at PT. Bank Tabungan Negara Sukabumi Branch Office, as a housing solution for Low-Income Communities (MBR). With Indonesia's population reaching 278.7 million, and the minimum wage income in Sukabumi below Rp. 3,500,000, while house prices in Sukabumi range from 166-300 million, the need for affordable housing is increasingly urgent. Bank BTN, as a pioneer in mortgage lending since 1974, provides Housing Financing Liquidity Facility (FLPP) to support MBR. The research background shows an increase in Subsidized KPR

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Damayanti, Vera, and Dewi Silvia. "Analysis of the Health of the Bank Using the CAMEL Method." International Journal of Management and Business Intelligence 1, no. 1 (2023): 59–68. http://dx.doi.org/10.59890/ijmbi.v1i1.184.

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Using the CAMEL approach (Capital Asset Management Evaluation and Lifecycle) to assess the company's financial performance Adequacy, Resource Quality, The board Quality, Earnings furthermore, Liquidity). The CAMEL method is used as an analytical framework that can give top to bottom insight into the health of the bank and the potential dangers that might be looked by the bank. This study used a quantitative approach by analyzing each component of CAMEL separatelythe potential dangers that might be looked by the comes from the yearly fiscal reports of Bank PT BRI Tbk. for the 2020-2022 period.

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Damayanti, Vera, and Dewi Silvia. "Analysis of the Health of the Bank Using the CAMEL Method." Analysis of the Health of the Bank Using the CAMEL Method 1, Vol. 1 No. 1 (2023): June 2023 (2024): 10. https://doi.org/10.59890/ijmbi.v1i1.184.

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Using the CAMEL approach (Capital Asset Management Evaluation and Lifecycle) to assess the company's financial performance Adequacy, Resource Quality, The board Quality, Earnings furthermore, Liquidity). The CAMEL method is used as an analytical framework that can give top to bottom insight into the health of the bank and the potential dangers that might be looked by the bank. This study used a quantitative approach by analyzing each component of CAMEL separatelythe potential dangers that might be looked by the comes from the yearly fiscal reports of Bank PT BRI Tbk. for the 2020-2022 period.

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

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

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Jandi Anwar, Cep, Asep Ridwan, and Djuraidj Rumiki. "BANK COMPETITION AND DEPOSITS IN INDONESIA BANKING INDUSTRY: THE ROLE OF CENTRAL BANK POLICIES." Economics and Finance 13, no. 2 (2025): 1–8. https://doi.org/10.51586/2754-6209.2025.13.2(106).

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The main goal of this research is to investigate the factors influencing bank deposits in Indonesia between 2010 and 2023 by analysing data from 92 banks using the Panel Generalized Method of Moments (GMM). The study examines how bank competition levels, central bank policies, and other factors such as macroprudential policies and bank size impact deposit accumulation trends. The findings suggest that increased competition among banks is impacting deposits, which highlights a potential tension between competition and the stability of deposits in the banking sector. Alternatively, maintaining p

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Korzeb, Zbigniew, and Paweł Niedziółka. "Resistance of commercial banks to the crisis caused by the COVID-19 pandemic: the case of Poland." Equilibrium 15, no. 2 (2020): 205–34. http://dx.doi.org/10.24136/eq.2020.010.

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Research background: The analysis allows to assess the impact of the industry structure of the credit portfolio on the resistance of commercial banks to the crisis resulting from the COVID-19 pandemic. It uses two independent methods to measure the impact of the pandemic on industry risk and the methodology allowing to prioritize industries in terms of potential negative effects of the crisis. Purpose of the article: The aim of the research is to assess the resilience of commercial banks operating in the Polish banking sector to the potential effects caused by the COVID-19 pandemic. The

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Dhanuk, Jayanti. "Profitability Analysis of NIC Asia Bank Limited." Brixton Scholarly Review 2 (May 1, 2025): 181–99. https://doi.org/10.3126/bsr.v2i1.78181.

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The profitability analysis of NIC Asia Bank Limited evaluates its financial performance, focusing on its ability to generate profits relative to costs and expenses. Key metrics such as Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin, Gross Profit Margin, Earnings Per Share (EPS), and Price Earnings Ratio highlight the bank's efficiency in converting resources into earnings. The analysis reveals that effective cost management, operational efficiency, and non-interest income significantly contribute to profitability. External factors, such as market competition, regulatory chan

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Susilo, Anang. "Perbandingan Kinerja K-Nearest Neighbors dan Naive Bayes Untuk Klasifikasi Perilaku Nasabah Pada Pembayaran Kredit Bank." Jurnal Sains dan Teknologi (JSIT) 3, no. 3 (2023): 364–79. http://dx.doi.org/10.47233/jsit.v3i3.1264.

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:Credit customers are people who use banking services or other financial services. to use bank money in its business activities, so it expects that the bank's credit can meet business capital needs. To reach information to increase profits and reduce company losses, we need a method that can provide knowledge to support the company's data. Research data can be obtained from processing classification data from credit customer data that are categorized as potential or not potential in the next credit grant. Data processing can be done using machine learning, namely classification techniques. Thi

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Zatvornytskyi, Kostiantyn. "The Role of Financial Forecasting in the Formation of Optimal Loan Portfolios of Ukrainian Banks." Oblik i finansi, no. 1(107) (2025): 40–48. https://doi.org/10.33146/2307-9878-2025-1(107)-40-48.

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The variability of social, economic and military factors over time reduces the efficiency of the banking institution. In this regard, managing the bank's loan portfolio, as the primary source of bank profits, should be carried out using progressive approaches to forecasting. The article aims to assess the possibilities of using theoretical and methodical principles of financial forecasting to ensure the effective functioning of banks in Ukraine and the formation of their optimal loan portfolios. The article analyzes the world's experience in developing and modernizing financial forecasting met

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Alizadeh, Yaghoub. "Review of Bank Guarantees and Letters of Credit in International Trade Payments from the Perspective of Islamic Jurisprudence and Iranian Law." Comparative Studies in Jurisprudence, Law, and Politics 4, no. 1 (2022): 1–13. https://doi.org/10.61838/csjlp.4.1.1.

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One of the major risks in international trade involves concerns about the potential non-payment of the transaction price by the buyer to the seller, and simultaneously, the non-compliance of the goods sent by the seller with the agreed-upon contract. The function of bank guarantees and letters of credit is to resolve such issues in international trade. Accordingly, the purpose of the present article is to examine letters of credit and bank guarantees in international trade payments from the perspective of Islamic jurisprudence (fiqh) and Iranian law. This article is descriptive-analytical. The

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Gulimbetova, Raya, Nazira Gumar, Azhar Nurmagambetova, Gaukhar Zhanibekova, and Almagul Jumabekova. "Modern methodology of metrics monitoring changes in bank lending conditions and credit demand levels." Scientific Herald of Uzhhorod University Series Physics, no. 56 (March 5, 2024): 361–70. http://dx.doi.org/10.54919/physics/56.2024.36fur1.

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Relevance. The relevance of the article lies in the fact that lending, being a vital aspect of a bank's operations, plays a crucial role as a major investment source. It fosters the ongoing and expedited reproduction process, bolstering the economic capabilities of businesses, holds a prominent position as the primary revenue-generating activity for the bank. Purpose. The purpose of this study is to develop a modern methodology for monitoring changes in bank lending conditions and credit demand levels. The study aims to provide a comparative assessment of the current practices in analyzing len

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ZAPOTICHNA, Roksolana. "GREEN TREND IN INTERNATIONAL BANKING BUSINESS: OPPORTUNITIES FOR UKRAINE." Economy of Ukraine 2023, no. 3 (2023): 58–72. http://dx.doi.org/10.15407/economyukr.2023.03.058.

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The main forces influencing the bank's decision to switch to green banking are systematized, the potential for its growth in Ukraine is identified. Green banking in developing countries is explored, taking into account the growing need for finance to combat climate change in this group of countries. The conceptual and categorical apparatus of green finance research is improved due to the presentation of the author's approach to the interpretation of the "green bank" category, which is understood as a bank that, in both its credit and investment activities, gives priority to environmental prote

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Odigie, Innocent William Otaigboria, and Chidiebere Victor Adim. "Risk Management and Performance of Deposit Money Banks in Nigeria." Asian Journal of Economics, Business and Accounting 24, no. 9 (2024): 472–83. http://dx.doi.org/10.9734/ajeba/2024/v24i91505.

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This study examined the relationship between risk management and performance of deposit money banks in Nigeria as moderated by environmental turbulence. The study adopted the cross-sectional research survey design. Primary data was generated through structured questionnaire while the population of study was the 24 deposit money banks in Nigeria. The entire population of 24 deposit money banks were adopted as a census. However, the number of respondents/ participants in the study was one hundred and twenty senior level managers of the 24 Deposit Money Banks in Nigeria. The reliability of the in

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Dr O. P. Gupta and Neetu Dongre. "COMPARATIVE ANALYSIS OF THE FINANCIAL PERFORMANCE OF THE BANKS." International Journal of Research in Commerce and Management Studies 06, no. 02 (2024): 58–72. http://dx.doi.org/10.38193/ijrcms.2024.6206.

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In the dynamic world of finance, banks play a pivotal role in economic stability and growth, and analysing their financial performance is crucial for investors, regulators, and policymakers. This study offers a comparative analysis of the financial performance of banks over five years (2018-19 to 2022- 23), underscoring their importance in the financial ecosystem. It evaluates profitability, asset quality, and liquidity, key indicators of a bank's health and efficiency. Profitability is assessed through Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM), while Asset

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Olha, Bulhakova, Ulianovska Yuliia, Kostenko Victoria, and Rudyanova Tatyana. "Consideration of the possibilities of applying machine learning methods for data analysis when promoting services to bank's clients." Technology audit and production reserves 4, no. 2(66) (2022): 14–18. https://doi.org/10.15587/2706-5448.2022.262562.

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<em>The object of the research is modern online services and machine learning libraries for predicting the probability of the bank client's consent to the provision of the proposed services.</em> <em>One of the most problematic areas is the high unpredictability of the result in the field of banking marketing using the most common technique of introducing new services for clients </em><em>–</em><em> the so-called cold calling. Therefore, the question of assessing the probability and predicting the behavior of a potential client when promoting new banking services and s

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Alentieva, N. V. "APPLICATION OF CASH RECYCLING TECHNOLOGY TO OPTIMIZE THE CREDIT POLICY OF A COMMERCIAL BANK FOR IMPROVING WELFARE OF THE RURAL POPULATION." Bulletin of Agrarian Science 5, no. 86 (2020): 115–22. http://dx.doi.org/10.17238/issn2587-666x.2020.5.115.

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The article reveals and analyzes the advantages of ATMs with the function of cash recycling to improve welfare of the rural population. The bank's credit policy is based on the basis for the entire lending process, which determines its objective parameters and features. Its main goal is to maximize profits while minimizing potential risks. In the world market, the use of recycling technology in the banking sector remains in demand. Its use ensures constant availability of banknotes in the ATM, and this allows ATM to work for a long time without stopping for cash-in-transit services, which is a

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Putri, Nabila Rahmadani Kusuma, and Edy Yusuf Agung Gunanto. "Analysis of the determinants of Sharia Commercial Bank's Profitability for the Period of January 2015 – December 2020." EKONOMIKA SYARIAH : Journal of Economic Studies 6, no. 1 (2022): 18. http://dx.doi.org/10.30983/es.v6i1.5085.

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<p class="abstrak">Sharia Commercial Banks not only function as intermediary institutions that collect and distribute public funds. Currently, Sharia Commercial Banks is one milestone used by the government in increasing the potential of the developing sharia economy in Indonesia. This thing, of course, will make Sharia Commercial Banks must develop their performance to be better. To monitor the performance, the profitability ratio that is impacted by various factors is used. This study is conducted to know the impact of capital adequacy, liquidity, credit risks, and operational efficien

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Cherian, Aiswarya, and Arun Kumar T.T. "Artificial Intelligence in Microfinance: Enhancing Customer Experience at ESAF Bank." NPRC Journal of Multidisciplinary Research 2, no. 3 (2025): 164–71. https://doi.org/10.3126/nprcjmr.v2i3.76970.

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Artificial Intelligence (AI) is revolutionizing the microfinance sector by enhancing customer experience, streamlining operations, and improving financial inclusion. ESAF Bank, a leading microfinance institution in India, has embraced AI-driven solutions to optimize its service delivery and meet the evolving needs of its customers. This study explores how AI technologies such as chatbots, predictive analytics, and automated credit scoring have transformed ESAF Bank's operations, leading to better customer engagement, personalized financial solutions, and improved risk management. The research

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Ardyansyah Yacob, Erniyanti Erniyanti, Bachtiar Simatupang, and Soerya Respationo. "Legal Analysis Of The Impact Of Debtor Bankruptcy On Bank Credit Payment Performance (Research Study At Bri Batam Branch Office)." International Journal of Law, Crime and Justice 1, no. 3 (2024): 245–54. http://dx.doi.org/10.62951/ijlcj.v1i3.158.

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Debtor bankruptcy is a critical issue that has a significant impact on the performance of credit payments in the banking sector, especially at the BRI Batam Branch Office. This study aims to analyze the juridical impact of debtors' bankruptcy on credit payment performance in BRI Batam, focusing on the direct influence of bankruptcy on bank liquidity, asset quality, and bank operations. In the legal context, debtor bankruptcy is regulated by Law Number 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations, which provides a framework for the bankruptcy process and its settl

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M Usmany, Alfrin Ernest. "Impact of Government Regulations on Small Business Performance: A Comparative Study." International Journal of Business, Law, and Education 5, no. 2 (2024): 1614–23. http://dx.doi.org/10.56442/ijble.v5i2.664.

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This study examines the impact of government regulations on small business performance through a comparative analysis of 20 countries. Utilizing quantitative data from reputable sources such as the World Bank's Doing Business reports, OECD Economic Surveys, and the Global Entrepreneurship Monitor, the research identifies key regulatory factors influencing business outcomes. Findings indicate that simplified business registration, flexible labor market regulations, favorable taxation policies, and improved access to credit significantly enhance small business growth, profitability, and innovati

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НОЗИМОВ, ЭЛДОР АНВАРОВИЧ. "РАЗРАБОТКА СКОРИНГОВОЙ МОДЕЛИ ОЦЕНКИ КРЕДИТНОГО РИСКА". Archivarius 7, № 3(57) (2021): 45–47. http://dx.doi.org/10.52013/2524-0935-3-57-10.

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Исследовалась кредитоспособность заемщиков на основе клиентской базы банка. Было сформировано факторное пространство, позволяющее формализовать и объяснить различия между классами прежних заемщиков. Выявлены факторы, вносящие наибольший вклад в различение классов. В результате проведения дискриминантного анализа разработана скоринговая модель оценки кредитного риска, позволяющая адекватно и быстро оценить кредитоспособность потенциального клиента банка, что способствует росту конкурентоспособности на рынке кредитования. The creditworthiness of borrowers was investigated on the basis of the ban

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Muarief, Ridho, and Miranti Miranti. "EFISIENSI PERBANKAN DI INDONESIA DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA) SEBAGAI PERTIMBANGAN KINERJA PERBANKAN." JURNAL LENTERA AKUNTANSI 7, no. 2 (2022): 133. http://dx.doi.org/10.34127/jrakt.v7i2.739.

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<p align="justify">To implement sound banking principles, the assessment of bank efficiency is very important. This is because efficiency is a picture of a bank's performance as well as a factor that must be considered by the bank to act rationally in minimizing the level of risk faced in dealing with its operational activities. This study aims to measure the relative efficiency of banks in Indonesia using the Data Envelopment Analysis (DEA) methodology based on the intermediation approach. The research samples are Mandiri, BRI, BNI, BCA, and BTN. DEA is a methodology with a non-parametr

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Tobias, Bücher. "The Impact of Negative Interest Rates: Four Main Lessons Learned." ISRG Journal of Economics and Finance (ISRGJEF) I, no. III (2024): 18–28. https://doi.org/10.5281/zenodo.13997551.

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<strong>Abstract</strong> <em>The European Central Bank's (ECB) adoption of a negative interest rate policy (NIRP) marked a pivotal moment in modern monetary policy. Implemented in June 2014 in response to the financial instability caused by the 2008 global financial crisis and the subsequent European sovereign debt crisis, NIRP aimed to stimulate credit supply and guide inflation back towards the ECB's medium-term target of "below, but close to 2%." Alongside extensive bond purchase programs and long-term refinancing operations, NIRP became a central part of the ECB's expansionary monetary po

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Muhammad Arsyadani Rohman, Nadya Putri Pramesti, Nia Rizkita Nurfitri, and Emma Yunika Puspasari. "Analisis Pelanggaran Hukum pada Kasus Pencabutan Izin Usaha Bank Pengkreditan Rakyat Persada Guna Pasuruan." Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum 1, no. 4 (2024): 204–17. https://doi.org/10.62383/terang.v1i4.647.

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More and more BPRs have had their operational permits revoked by the OJK. The revocation of a BPR license is due to the bank's unhealthy financial condition, which has the potential to threaten the banking system and harm various parties. Therefore, the bank must have its business license revoked with several previously determined considerations. One of the BPRs whose business license was revoked was BPR Persada Guna Pasuruan. This research aims to analyze the forms of legal violations in the case of revocation of BPR Persada Guna's business license and find out the follow-up given by the auth

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Kovalova, O. M. "Identification of Qualifying Factors of Influence in the Context of Financial Stability Management of a Commercial Bank." Business Inform 7, no. 522 (2021): 212–21. http://dx.doi.org/10.32983/2222-4459-2021-7-212-221.

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The article is aimed at closer defining the theoretical provisions for improving the management of financial stability of a commercial bank and assessing its current state in the context of the impact of destabilizing factors. Scientific approaches to the definition of the category of «financial stability of a commercial bank» are considered, which allows to detail its characteristic features and form a comprehensive idea of the financial stability of a commercial bank as a system category, the timely estimation of benchmarks of which allows minimizing the impact of specific and systematic ris

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Zohrabi, Hamzeh, Ali Raeispour, Yusuf Mohammadi-Moghadam, and Ali Akbar Ahmadi. "Presentation of a Conceptual Model for Central Bank Supervision over Banks with a Grounded Theory Approach." International Journal of Innovation Management and Organizational Behavior 3, no. 3 (2023): 33–40. http://dx.doi.org/10.61838/kman.ijimob.3.3.5.

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Objective: The aim of this research was to present a conceptual model for Central Bank supervision over banks with a grounded theory approach. Method: In this study, the grounded theory research approach based on parametric methods is employed. The statistical population of this research comprises experts and professionals in the field of central banking, capable of providing valuable information to the researcher. Sampling in this research has been conducted purposively. For this purpose, the qualitative samples of this research consist of 15 experts and professionals knowledgeable in the fie

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