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Journal articles on the topic 'Bank's liquidity risk evaluation'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Al, Farid Hazwin, Nurnasrina Nurnasrina, and Syahfawi Syahfawi. "Penilaian Kesehatan Bank Syariah." JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi 1, no. 4 (2023): 254–63. https://doi.org/10.5281/zenodo.10446214.

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This writing discusses the health assessment of Sharia Banks. The legal basis for regulating the health assessment of Sharia Banks (BUS and BPRS) refers to the regulations of the Law, PP, PBI, POJK, and BI, as well as OJK circulars. The article explains the RGEC assessment of Sharia Banks, using a qualitative approach with a literature study research design. This writing presents a literature review of various sources related to assessing the health of Sharia Banks, the legal basis of BUS and BPRS, and RGEC. The discussion explains that bank health assessment reflects the bank's performance an

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Yan, Wei, and Yinghua Song. "Intelligent Evaluation and Early Warning of Liquidity Risk of Commercial Banks Based on RNN." Computational Intelligence and Neuroscience 2022 (May 18, 2022): 1–12. http://dx.doi.org/10.1155/2022/7325798.

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With the downward pressure of China’s economy and the impact of the epidemic, the accumulated market risk has increased the liquidity pressure of the banking industry, and the mismatch between deposit maturity and loan maturity is the main cause for the increase of liquidity risk. The twenty-first century is the era of rapid and in-depth development of data management technology. The explosive growth of massive financial data makes the information data related to the liquidity risk of commercial banks present the characteristics of complexity, diversity, and heterogeneity. The traditional risk

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Žuk-Butkuvienė, Aleksandra, Dalia Vaitulevičienė, and Julija Staroselskaja. "CAPITAL ADEQUACY (SOLVENCY) AND LIQUIDITY RISK MANAGEMENT: ANALYSIS, EVALUATION, AND POSSIBILITIES FOR IMPROVEMENT." Ekonomika 93, no. 2 (2014): 59–76. http://dx.doi.org/10.15388/ekon.2014.2.3546.

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Abstract. The main purpose of the present research is to analyse the supervision, capital adequacy (solvency) and liquidity prudential norms, limits and requirements of commercial banks operating in Lithuania, as well as to assess the quality of capital adequacy and liquidity risk management impact on the banking industry.The paper consists of two main parts: the analysis of literature and legislation, and the research, its results, recommendations, and conclusions. The first part reviews the theoretical analysis of the level of banking supervision and capital adequacy, liquidity prudential st

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Mačerinskienė, Irena, and Laura Ivaškevičiūtė. "THE EVALUATION MODEL OF A COMMERCIAL BANK LOAN PORTFOLIO." Journal of Business Economics and Management 9, no. 4 (2008): 269–77. http://dx.doi.org/10.3846/1611-1699.2008.9.269-277.

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As in other countries where the traditional banking is dominating, the major part of banks’ assets and loan interest income makes a significant share of banks’ income. Inappropriate loan portfolio evaluation might have negative impact on a commercial bank's performance, the overall banking system, and the economic growth of the country. It is not enough for a bank to have a precise strategy, high lending culture, and observance of general principles to ensure the further growth of profitable loans. It is necessary to apply various evaluation methods of historical and present data, of ratios an

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Madhi, Doris. "The Macroeconomic Factors Impact on Liquidity Risk: The Albanian Banking System Case." European Journal of Economics and Business Studies 7, no. 1 (2017): 32. http://dx.doi.org/10.26417/ejes.v7i1.p32-39.

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Over the last five years, the Albanian banking system has experienced a deceleration on its activity, considering the recent financial crisis effects. The financial crisis did not propagate direct effects on the Albanian financial system, but indirect effects were visible based on the general slowdown of the foreign markets and public loss of confidence towards the banking system. Also, the foreign remittances decrease and the liquidity shortage of the public played an important role on the capacity to meet the payment obligations (especially on loans). During 2009, the Albanian Central Bank i

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Nnah Ugoani, John Nkeobuna. "Credit Risk Management Evaluation and Bank Management Effectiveness: 1995 – 2015 Dimensionality." Sumerianz Journal of Economics and Finance, no. 310 (October 30, 2020): 178–88. http://dx.doi.org/10.47752/sjef.310.178.188.

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Credit risk management is central to the success or failure of a banking institution because banks earn the greatest quantum of their interest income from interest on loans which represents a critical component of a bank’s profitability. Therefore, any carelessness with regard to credit risk management automatically results to creating huge nonperforming loans which often prepares the grounds for bank distress or failure. In the 1990s and specifically in 1995, 50 percent of 120 banks became technically distressed, as they were characterized by poor management and weak liquidity ratio. For exam

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Schmitt, Eugenia. "Liquidity Gap Report for Stress Testing Structural Liquidity Risk." GIS Business 12, no. 6 (2017): 43–53. http://dx.doi.org/10.26643/gis.v12i6.3313.

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The need to focus on banks funding structure and stress testing in an explicit way arose as a consequence of the crisis of past decades. Liquidity risks usually occur as a consequence of other kinds of risks, hence analysing scenarios in a prospective manner is essential for the assessment if the bank can fulfill its obligations as they come due and if its funding costs are appropriate. The structural liquidity risk and the degree of the liquidity mismatch can be measured based on the liquidity gap analysis, where expected cash-in- and outflows, divided in different time-buckets are depicted.

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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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Xu, Jinghong, and Daguang Yang. "Financial Risk Control Model Based on Deep Neural Networks." Scientific Programming 2022 (March 10, 2022): 1–7. http://dx.doi.org/10.1155/2022/7253832.

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Under the background of global economic integration, commercial banks are facing more and more complex business environment. As one of the major financial risks faced by commercial banks, liquidity risk determines and reflects the safety and profitability of bank operation. Based on joint-stock commercial banks as the research object, this paper, respectively, from the angle of the static and dynamic measurements and projections for liquidity risk and based on the current situation of four joint-stock commercial banks liquidity level study, tries to explore the change law of commercial banks l

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Brahmaiah, Bezawada. "Market Risk Management Practices of the Indian Banking Sector: An Empirical Study." International Journal of Economics and Financial Issues 12, no. 3 (2022): 68–72. http://dx.doi.org/10.32479/ijefi.13160.

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The primary objective of this paper is to examine the market risk and liquidity risk management techniques and practices followed by the Indian scheduled commercial banks (SCB) consisting of public sector banks (PSBs) and private sector banks (PVSBs) for five years from 2016-17 to 2020-21. The other objective is to compare market and liquidity risk management practices between the public sector banks (PSBs) and private sector of banks (PVSBs). The other purpose of the study is to review the strategies adopted by the SCBs in risk management practices. To study the risk management practices, six

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Yakubu, Y., and S. M. Egopija. "Modeling the Effect of Bank Specific Factors on Financial Performance of Commercial Banks in Nigeria: Panel Data Regression Approach." Nigerian Journal of Basic and Applied Sciences 28, no. 1 (2021): 40–47. http://dx.doi.org/10.4314/njbas.v28i1.6.

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Periodic checking and evaluation of financial performance of the banking sector is a way of sustaining the development of a nation’s economy. The key indicators of the banks’ financial performance are their return on assets (ROA) and return on equity (ROE). A bank’s financial performance is affected by some specific factors like capital adequacy ratio (CAR), credit risk (CRISK), management quality, liquidity ratio (LIQ.RAT.) and bank size. This work first compares average financial performance of some sampled commercial banks in Nigeria (UBA, GTB, ZENITH, FIRST, and ACCESS banks) based on the

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

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

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Irfany, Mohammad Iqbal, and Muhammad Fikra Yafi Ulhaqqi. "The effect of systematic and unsystematic determinants on loan (financing) to deposit ratio in Indonesian banking." Annals of Management and Organization Research 5, no. 1 (2023): 61–72. http://dx.doi.org/10.35912/amor.v5i1.1657.

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Purpose: This study compares the determinants of liquidity of Islamic Banks (IBs) and Conventional Banks (CBs) based on the loan-to-deposit ratio (LDR) and financing-to-deposit ratio (FDR) between 2016 and 2020. Research Methodology: The data analysis technique used was panel data regression. Results: The results show Economic growth has a positive effect on banking liquidity risk, while non-performing loans (financing) have a negative effect on banking liquidity risk. Limitations: The frame time in this research was 2016-2020 which, before Bank Syariah Mandiri, Bank Rakyat Indonesia (BRI) Sya

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Chy, Nazneen Jahan. "Liquidity Risk Management and Bailout Strategies of Bangladeshi Commercial Banks." Revista de Gestão Social e Ambiental 18, no. 8 (2024): e06013. http://dx.doi.org/10.24857/rgsa.v18n8-100.

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Purpose: The aim of this study is to evaluate the bailout strategies for sound liquidity management of Bangladeshi Nationalized Commercial Banks. Method: The researcher has selected six banks purposively as sample. A survey was conducted to gather opinions from 120 officials working in the treasury departments of these selected banks. The survey utilized a questionnaire and employed a direct approach. Subsequently, the collected data underwent analysis using common size statement analysis methodology. The survey encompassed various regulatory decisions pertaining to liquidity management. Resul

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Ben-Ahmed, Kais, Naziha Kasraoui, and Asaad Soulami. "Exploring the interplay of credit and liquidity risks: Impacts on banks’ profitability." International Journal of ADVANCED AND APPLIED SCIENCES 10, no. 8 (2023): 64–70. http://dx.doi.org/10.21833/ijaas.2023.08.007.

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This research delves into the intricate relationship between credit and liquidity risks and their far-reaching consequences on the overall profitability of banks. Leveraging a comprehensive dataset comprising 132 observations across twelve distinct financial institutions, spanning the period from 2009 to 2019, the analysis employs a sophisticated empirical framework grounded in simultaneous equations. By incorporating three meticulously chosen control variables, this approach adeptly disentangles the distinct effects of credit and liquidity risks on banks’ financial performance. The methodolog

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Acharya, Kabi Raj, and Surendra Kumar Vyas. "Evaluation of financial strength of joint venture commercial banks and domestic commercial banks in nepal: using camels framework." International Research Journal of Management Science 7, no. 1 (2022): 28–41. http://dx.doi.org/10.3126/irjms.v7i1.50619.

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This study aims to compare the financial strength of joint venture and domestic commercial banks in Nepal using data from mid-July 2011/2012 to mid-July 2019/2020. The financial strength analysis is based on the CAMELS (capital adequacy, asset quality, management quality, earning performance, liquidity, and sensitivity to market risk) framework. A descriptive research design has been used. This paper finds that Nepalese joint venture banks are financially sound with higher asset quality, management quality, earning performance, and liquidity than Nepalese domestic banks. Nepalese joint venture

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18

Yusuf, Muhammad. "Penilaian Kinerja PT Bank X dalam Mengelola Asset dan Kewajiban Berdasarkan Analisis Resiko dan Analisis Return." Binus Business Review 1, no. 1 (2010): 74. http://dx.doi.org/10.21512/bbr.v1i1.1023.

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Performance financial evaluation became a primary indicator for management, especially a bank. This research evaluated asset and liability management of PT Bank X to describe its risk and return, by using financial ratios. The results found that performance ratios of PT Bank X decreasingly, where interest margin and net margin decreased to negative. This because of interest expenses and other operational expenses increased. Risk evaluation based on liquidity ratio were also decreasing in 2006 – 2007, because of the most assets of the bank became illiquid assest and default credits. On the othe

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Ferreira, Fernando A. F. "READJUSTING TRADE-OFFS AMONG CRITERIA IN INTERNAL RATINGS OF CREDIT-SCORING: AN EMPIRICAL ESSAY OF RISK ANALYSIS IN MORTGAGE LOANS." Journal of Business Economics and Management 14, no. 4 (2013): 715–40. http://dx.doi.org/10.3846/16111699.2012.666999.

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Credit-scoring becomes increasingly important in poor economies and recessions. Decreasing liquidity due to reduced access to both money and debt markets has induced banks to impose restrictions on offering credit, including credit for mortgage loans. In this paper we analyze the internal rating system used by one of the top-five banks in Portugal, and propose a methodological framework which, based on an application of the Delphi technique, allows adjusting trade-offs among evaluation criteria and provides decision makers with a fairer, more accurate and transparent mortgage risk evaluation s

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Ferreira, Fernando A. F., Sérgio P. Santos, and Vítor M. C. Dias. "AN AHP-BASED APPROACH TO CREDIT RISK EVALUATION OF MORTGAGE LOANS." International Journal of Strategic Property Management 18, no. 1 (2014): 38–55. http://dx.doi.org/10.3846/1648715x.2013.863812.

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Mortgage loans for home purchase require careful analysis by all parties involved in the transaction, and credit-scoring is usually adopted to assist the decision process. From a credit institution standpoint, credit-scoring for mortgage loan risk evaluation becomes even more important in scenarios of economic turbulence and recession, primarily because of the severe restrictions imposed on credit availability that result from reduced access to both money and debt markets and subsequent decreasing liquidity. Employing an AHP – Analytic Hierarchy Process – based approach in the creditscoring sy

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Libyan, Accounting and Auditing syndicate (LAAS). "patrol تحليل العوامل المؤثرة في تقييم أداء المصارف التجارية باستخدام نموذج". Studies of Accounitng Journal, № 6 (29 червня 2024): 53–81. https://doi.org/10.5281/zenodo.15548962.

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The study aims to show the most important factors affecting the performance of banks and analyze them by using the most important modern models used in evaluating the performance of commercial banks، which is the PATROL scale، as it isconsidered one of the early warning models for evaluating internal control tools، as it combines financial and non - financial variables، which are mainly: capital adequacy، profitability، credit risk، organizational efficiency and liquidity، and the importance of these variables in evaluating the performance of commercial banks. In

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Rashkovan, Vladyslav, and Dmytro Pokidin. "Ukrainian Banks’ Business Models Clustering: Application of Kohonen Neural Networks." Visnyk of the National Bank of Ukraine, no. 238 (December 27, 2016): 13–38. http://dx.doi.org/10.26531/vnbu2016.238.013.

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This paper clusters and identifies six distinct bank business models using Kohonen Self-Organising Maps. We show how these models transform over the crisis and conclude that some of them are more prone to default. We also analyze the risk profiles of the bank business models and differentiate between safest (valid) and riskiest ones. Specifically, six risk types (Profitability, Credit, Liquidity, Concentration, Related parties lending, and Money Laundering) are used to build risk maps of each business model. The method appears to be an efficient default prediction tool, since a back-testing ex

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Li, Luya, and Hongxun Li. "Analysis of Financing Risk and Innovation Motivation Mechanism of Financial Service Industry Based on Internet of Things." Complexity 2021 (April 13, 2021): 1–9. http://dx.doi.org/10.1155/2021/5523290.

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It is of practical significance to introduce the Internet of Things technology into the financial service industry and find the driving factors and mechanisms of financial innovation to accelerate the promotion of financial innovation. This article starts from the perspective of banks and other supply chain financial institutions, takes mainstream trading products in the commodity trading market as the research object, uses the LA-VAR model, and fully considers the market price fluctuations and liquidity factors of supply chain financial inventory products. It analyzes the theoretical basis of

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RUSINA, Yu. O., and V.M. TOLOCHKO. "Monitoring and evaluation of risk of deposit activities of CB JSC FUIB." Market Relations Development in Ukraine №6(229)2020 130 (August 18, 2020): 39–47. https://doi.org/10.5281/zenodo.3989245.

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The subject of the study is the theoretical and methodological foundations of monitoring and assessing the risk of deposit activity of CB JSC FUIB. The aim of the study is to analyze the performance of deposit operations to ensure the resource base of a banking institution and to assess the possible risks that arise during the implementation of deposit activities by a commercial bank. Research Methods. During the study, methodological and monographic methods were used to form the theoretical basis of the concept of «deposit risk». To analyze the deposit operations of a commercial b

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Korzeb, Zbigniew, and Paweł Niedziółka. "Condition of banks listed on the Warsaw Stock Exchange during the first 3 months of the pandemic in Poland." Journal of Banking and Financial Economics 2/2020, no. 14 (2020): 5–20. http://dx.doi.org/10.7172/2353-6845.jbfe.2020.2.1.

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The aim of the paper is to assess the condition of commercial banks listed on the Warsaw Stock Exchange after the first three months of the COVID-19 pandemic in Poland. The consolidated results for Q1 and Q2 2020 were used focusing on selected evaluation areas such as: capital adequacy, profitability, liquidity, credit portfolio quality as well as operational efficiency. The authors concluded that as a result of the credit crunch and the retention of previously earned profits, almost every medium (except for mBank SA) and every large bank experienced an increase in capital adequacy ratios. Mor

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Serino, Luana, Alessia Spignese, and Francesco Campanella. "Are ESG scores driven by financial information? Evidence from European banks." Journal of Risk Management in Financial Institutions 17, no. 4 (2024): 409. http://dx.doi.org/10.69554/lyct1993.

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In recent years, investors' increasing focus on sustainable investments and the sustainability orientation of companies has led to parallel growth in the market for environmental, social and governance (ESG) performance and ESG rating agencies. However, even though ESG rating agencies have become very influential institutions, the literature has found that ESG performance ratings provided by different agencies often differ from each other. This causes consequences that should be considered, such as complex evaluation of companies' ESG performance and uncertainty in ESG investment decisions. Th

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KOVACH, M.J. "Risk management in the process in the process of performing operations of merger, acquisition and absorption of banks." Market Relations Development in Ukraine №5 (204) 149 (July 3, 2018): 35–39. https://doi.org/10.5281/zenodo.1304164.

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In the process of conducting operations in the corporate control market, the level of riskiness of a bank’s activity the potential investors is no less interest than profitability, because after the completion of M & A operations, the risks of the acquisition are becoming their own risks. For potential investors, the most important are identifying and assessing the overall risk level of an acquisition object. For owners of the bank, which intend to sell it, the most important is the application of such management methods, which allow a significant reduction in risks in a relatively s

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Yu, Zeyi. "Bank Credit Structure Model Based on Big Data Financial Technology Innovation." Mathematical Problems in Engineering 2022 (July 13, 2022): 1–6. http://dx.doi.org/10.1155/2022/7248523.

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The credit business is the primary source of income for commercial banks, and the quality of credit business directly affects the operating efficiency and sustainable development of commercial banks. Constructing an evaluation model that can accurately measure the credit quality of commercial banks and then systematically analyze the distribution and evolution of credit quality is of great significance for judging the operating situation and pattern of credit assets of commercial banks in our country. This paper analyzes the credit asset quality of our country’s commercial banks from five aspe

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Pangestuti, Rinda Siaga. "Evaluasi Kinerja Perbankan ASEAN Terkait Peningkatan Risiko Sistemik dalam Integrasi Pasar Perdagangan Bebas Masyarakat Ekonomi ASEAN (MEA)." Ekonomis: Journal of Economics and Business 4, no. 1 (2020): 178. http://dx.doi.org/10.33087/ekonomis.v4i1.84.

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This study is aimed to provide an evaluation of banking performance in ASEAN given the inclusion of the ASEAN Economic Community (AEC) which is associated with an increase in potential systemic risk. Some of the main findings in this study are: (a) the increase in systemic risk is influenced by the increase in risk on asset quality as seen from the increase in the percentage of non-performing loans; (b) bank liquidity has a significant positive effect on increasing systemic risk; (c) banks with large capital can exert influence over increased systemic risk (in a 90% confidence level but here w

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Rendón, Juan F., Alfredo Trespalacios, and Diana Pacheco. "The Ornstein-Uhlenbeck process to model the deposit volume of non-maturing assets in Colombia." Revista Electrónica de Comunicaciones y Trabajos de ASEPUMA 21, no. 2 (2020): 105–17. http://dx.doi.org/10.24309/recta.2020.21.2.02.

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The accurate comprehension of the risk drivers of different depository institutions is the key to their sustainable operation. In this paper, we analyze two stochastic approaches to model Non-Maturing Assets (NMAs) employing an Ornstein–Uhlenbeck process that can be used for the evaluation of the liquidity and interest risk of savings accounts in banks. We detail the models’ specifications, parameters, and simulation results. Furthermore, we examine the regular patterns, throughout the year, of the behavior of the volume of deposits into saving accounts in Colombia, in line with the results of

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Rendón, Juan F., Alfredo Trespalacios, and Diana Pacheco. "The Ornstein-Uhlenbeck process to model the deposit volume of non-maturing assets in Colombia." Revista Electrónica de Comunicaciones y Trabajos de ASEPUMA 21, no. 2 (2020): 105–17. https://doi.org/10.24310/recta.21.2.2020.19889.

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The accurate comprehension of the risk drivers of different depository institutions is the key to their sustainable operation. In this paper, we analyze two stochastic approaches to model Non-Maturing Assets (NMAs) employing an Ornstein– Uhlenbeck process that can be used for the evaluation of the liquidity and interest risk of savings accounts in banks. We detail the models’ specifications, parameters, and simulation results. Furthermore, we examine the regular patterns, throughout the year, of the behavior of the volume of deposits into saving accounts in Colombia, in line with the results o

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Kumar, Suresh. "Stability Mapping for Risk Management in Banking Companies." Ushus Journal of Business Management 21, no. 1 (2022): 67–78. http://dx.doi.org/10.12725/ujbm.58.4.

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challenging task for most banks. Numerous approaches are used to assess financial stability to determine the operation of the banks under stress conditions and to identify the indicators that affect the financial developments of the system. The relationship between the macroeconomic variables and financial markets can be assessed by performing stability mapping. Risk management can be performed by accurate identification of stability indicators, appropriate assessment of deterioration in asset quality, and other economic aspects. Financial stability reports (FSRs) and heat maps are used in sev

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Enoch, Esther Yusuf, Abubakar Mahmud Digil, and Usman Abubakar Arabo. "A Comparative Evaluation of the Effects of Credit Risk Control on the Profitability of Micro-Finance Bank." European Journal of Business and Management Research 6, no. 6 (2021): 67–74. http://dx.doi.org/10.24018/ejbmr.2021.6.6.1156.

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When assessing lending applications, banks face the problem of inadequate information needed to screen potential borrowers. The relevant information needed to evaluate the commitment of the entrepreneur and the likelihood of the business is challenging to interpret or even absent. This creates risk for the banks. Therefore, it is of paramount importance to give much consideration to credit management first before embarking on lending. In this research, we used both primary and secondary sources. We adopt a multi-stage sampling method by selecting a set of 21 respondents from a population of 52

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Umaira, Hayuning Anggayasti, and Satria Wicaksana Effendy Feri. "Legal Analysis of Bank Compliance in Implementing the Principle of Prudence in Credit with Trade Receivables Fiduciary Guarantee." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 07, no. 12 (2024): 5395–401. https://doi.org/10.5281/zenodo.14280376.

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prudential principle is a fundamental pillar in maintaining the stability and security of bank finances, especially in the distribution of credit with fiduciary guarantees for trade receivables. Credit secured by trade receivables has special characteristics that require a more in-depth risk evaluation, given the intangible nature of receivables and dependence on the ability of third parties to pay. This study discusses how the prudential principle is applied by banks in the process of creditworthiness analysis, assessing the quality of trade receivables as collateral, and managing related ris

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Geeta, Dr M., and Dr C. Nagasivanand. "Financial Planning through the Liquidity Ratios for HDFC and SBI Banks." Revista Gestão Inovação e Tecnologias 11, no. 4 (2021): 2616–28. http://dx.doi.org/10.47059/revistageintec.v11i4.2304.

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Financial planning and Analysis plays a vital role in the evaluation of Budget and forecasting for the future periods. One of the tools is financial planning through the liquidity ratios calculation and Analysis of the ratios. The present study concentrates on current ratio and Cash ratio of both banks for evaluating the cash fluidness. The analysis of current ratio infers about the liquidity position of the firm, which is crucial in paying short-term liabilities. The current ratio is calculated by dividing current assets with current liabilities. The current ratio is called as “current” becau

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Filipova, Fanya, Atanas Atanasov, Rumyana Marinova, and Teodora Zapryanova. "THE USEFULNESS OF CASH FLOW STATEMENTS IN BANK LENDING DECISIONS: INSIGHTS FROM BULGARIAN PRACTICES." Financial and credit activity problems of theory and practice 1, no. 60 (2025): 33–48. https://doi.org/10.55643/fcaptp.1.60.2025.4622.

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This study examines the role and utility of the Statement of Cash Flows in the credit decision-making process from the perspective of Bulgarian banks. The main purpose is to evaluate how banks use the Statement of Cash Flows to assess the creditworthiness and financial health of the enterprises. A survey of leading Bulgarian banks reveals differences in how they understand and use this information in credit analysis. The findings reveal that, although banks acknowledge the importance of the Statement of Cash Flow for assessing liquidity and risk, it is often overshadowed by other financial rep

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Uddin, Imran. "A STUDY OF FINANCIAL METRICS IN LEADING BANGLADESHI COMMERCIAL BANKS." International Journal of Business Management and Economic Review 07, no. 06 (2024): 55–69. https://doi.org/10.35409/ijbmer.2024.3626.

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This study evaluates the performance of selected commercial banks in Bangladesh, focusing on key indicators such as profitability, liquidity, asset quality, and capital adequacy from 2015 to 2020. By employing financial ratio analysis and comparative evaluation, the study highlights the strengths and weaknesses of banks such as Dutch Bangla Bank, BRAC Bank, AB Bank, and others. The findings reveal significant disparities in performance, with some banks demonstrating robust profitability and growth, while others struggle with high non-performing loans and operational inefficiencies. The impact

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Tsegaye, Adane Tilahun. "The Impact of Covid-19 on the Financial Stability Evidence from Private Commercial Banks in Ethiopia: Dynamic Panel Data Analysis." International Journal of Economics and Financial Issues 15, no. 2 (2025): 278–87. https://doi.org/10.32479/ijefi.17953.

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This study used the Generalized Method of Moments (GMM), a dynamic two-step approach, to examine the effect of COVID-19 on the financial stability of private commercial banks in Ethiopia. The study offered a thorough evaluation of the ways in which different elements affected financial stability during the pandemic period by examining data from 16 private banks. The results showed that the financial stability of the banks was positively impacted by COVID-19, the financial stability of the prior year, liquidity, and GDP. In particular, the financial climate has become more stable as a result of

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Korir, Jenispher Jepchirchir, Winnie Nyamute, Kennedy Okiro, and Peterson Magutu. "Mobile Banking Services, Risk Management, Firm Characteristics, and Performance of Commercial Banks in Kenya." European Journal of Business and Management Research 8, no. 5 (2023): 115–21. http://dx.doi.org/10.24018/ejbmr.2023.8.5.2136.

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An increasing number of banks in Kenya are launching newer mobile banking platforms which has led to increase in competition in the banking sector, where each commercial bank is penetrating to ensure that they keep in their competitive perspective and attract more likely customers by bringing the services of mobile banking next to their doorsteps. However, it is not clear how characteristics of a firm and management of risks influence the relationship the services of mobile banking and performance of banks in Kenya. The main objective of this research was to find out the relationships among th

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Alhammadi, Salah, Simon Archer, and Mehmet Asutay. "Risk management and corporate governance failures in Islamic banks: a case study." Journal of Islamic Accounting and Business Research 11, no. 9 (2020): 1921–39. http://dx.doi.org/10.1108/jiabr-03-2020-0064.

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Purpose The purpose of this paper is to show how the choice and ongoing evaluation of a firm’s business model, as a matter of strategic guidance, are key aspects of corporate governance (CG), with particular reference to risk management (RM) in Islamic banks. Design/methodology/approach This research uses a case study approach, with a single case, which was chosen as it fits very well the purpose of this research. The data collection was based largely on documentary evidence. Company data were collected from company annual reports, press releases and legitimate web sites. The ORBIS Bank Focus

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Jabbar Mohammed*, Muna. "The Influence of Credit Risk Using Derivative Financial Instruments on the Performance Commercial banks." Journal of Economics and Administrative Sciences 30, no. 140 (2024): 544–60. http://dx.doi.org/10.33095/yrj09342.

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The research aims to reveal the influence of credit risks using Derivative Financial Instruments (DFIs) on the financial performance of commercial banks in Iraq. To achieve the research aim and test its main hypothesis, a questionnaire is distributed to listed commercial banks in the Iraq Stock Exchange and that apply DFIs. The researcher used the questionnaire as the main tool in collecting data. Financial data of the variables of the study are analysed by a simple regression method, the arithmetic mean(AM) and standard deviation. The study used the statistical program (SPSS ) to analyse the

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Daffa, Alvian, and Murtono Soenhadji Iman. "Determinants of Bank Profitability in Indonesian Stock Exchange." Journal of Economics, Finance And Management Studies 08, no. 02 (2025): 1254–66. https://doi.org/10.5281/zenodo.14921753.

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This study aims to analyze the factors that affect profitability in the banking sector. The research method used is quantitative with a multiple regression approach. The independent variables used are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Non-Performing Loan (NPL) while the dependent variable used is Return On Asset (ROA) as Profitability. The research data consists of annual reports of state-owned banks for the period 2019 - 2023 obtained through the non-probability sampling method.The results of the study indicate that CAR and NPL have a significant positive effect on

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Nurfadillah, Nurfadillah, Andi Bahri S, Damirah Damirah, Syahriyah Semaun, and Muliati Muliati. "Comparative Analysis of Bank Soundness Levels Using the RGEC Method at PT. Bank Muamalat and PT. Indonesian Sharia Bank." Jurnal Ilmu Manajemen Profitability 9, no. 1 (2025): 46–51. https://doi.org/10.26618/profitability.v9i1.17353.

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Comparison between the health levels of Bank Muamalat , a national private bank, and Bank Syariah Indonesia, a state-owned enterprise, is based on their published 2022 annual financial statements. This study aims to assess the financial health of both banks and compare their health levels using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The research employs a quantitative approach with a comparative field research type, focusing on financial health by analyzing financial performance in 2022 through the RGEC method. This study uses secondary data sourced f

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Malensang, Jek, Dolina L. Tampi, and Wilfried S. Manoppo. "Analisa Tingkat Kesehatan Bank Berdasarkan Pendekatan RBBR (Risk Based Bank Rating) Pada PT. Bank SulutGo Periode 2015-2018." JURNAL ADMINISTRASI BISNIS 9, no. 1 (2019): 82. http://dx.doi.org/10.35797/jab.9.1.2019.23703.82-89.

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To find out how the bank’s health conditions are valued using the RBBR Risk-Based Bank Rating method at PT. Bank SulutGo Manado. The Bank is the financial institutions that have a major role gather funds from the community in the form of savings and distributing the funds to the community in the form of credit with the purpose of improving the community standard of living. This research uses the factor Risk-Based Bank Rating, Factors risk profile, credit risk using the ratio of Net Performing Loan (NPL), market risk by using a ratio Interest Rate Risk (IRR), and liquidity risk by using the rat

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Ferrouhi, El Mehdi. "Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry." Business: Theory and Practice 15, no. (4) (2014): 351–61. https://doi.org/10.3846/btp.2014.443.

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This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank's performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks' liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank's performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank's performance is

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Koshti, Jayashree, and Shital Rathod. "EVALUATING THE IMPACT OF CAMEL RATIOS ON THE EFFICIENCY OF SELECTED INDIAN BANKS." VIDYA - A JOURNAL OF GUJARAT UNIVERSITY 2, no. 1 (2023): 194–99. http://dx.doi.org/10.47413/vidya.v2i1.175.

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The downfall of banks and financial institutions and the freezing of capital markets during the global financial crisis of 2007–2009 had a significant influence on the actual economy across the world. This crisis has made it apparent how crucial stability risk is and has emphasized the significance of performance evaluation. For the policy formulation and framing of strategies, it is essential to identify the sound and weaker aspects of the banks. Various ratios based models have been developed for the analyses of the banking sector, which helps in identification of strength and weakness of th

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Kallianiotis, Ioannis N. "The Effectiveness and Efficiency of the New Public Policies." Athens Journal of Business & Economics 11, no. 2 (2025): 121–58. https://doi.org/10.30958/ajbe.11-2-1.

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In this paper we deal with the recent (1995-2023) Federal Reserve operated monetary policies, which were two unprecedented and distinct monetary policy regimes. The inflation stabilization era (1995-2008) and the zero-interest rate era (December 15, 2008-December 15, 2015) and again (March 15, 2020-March 15, 2022). These different monetary policy regimes provided various outcomes for interest rates, financial markets, inflation, cost of living, employment, international trade, and real economic growth. Then, a new fiscal policy was imposed in 2021. Some of the important, but not so beneficial

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GUPTA, RAJ. "RATIO ANALYSIS OF AXIS BANK." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem30973.

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This report presents a thorough examination of AXIS Bank's financial performance utilizing ratio analysis as the primary tool. Ratio analysis offers a quantitative method to assess the bank's financial health and operational efficiency by comparing key financial metrics over time and against industry benchmarks. The analysis begins by evaluating AXIS Bank's current ratio, which measures the proportion of current assets to current liabilities. A higher current ratio indicates a greater ability to cover short-term obligations, suggesting a healthy liquidity position. Conversely, a lower ratio ma

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Pristianti, Rista, and Musdholifah Musdholifah. "Pengaruh Risk Based Bank Rating terhadap Financial Distress dengan Bankometer Model Pada Busn Non Devisa." Jurnal Ilmu Manajemen 8, no. 3 (2020): 717. http://dx.doi.org/10.26740/jim.v8n3.p717-733.

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Banks need to conduct evaluation activities to find out the current situation of the bank so that the health of the bank is not disturbed. Banking health is very important to be maintained because banks play an important role in society, especially as increasing the country's economic growth. This study aims to examine the effect of risk based bank rating on financial distress. The risk-based bank rating ratio consists of risk profiles that are proxied by NPL and LDR, good corporate governance which is proxied by the size of the board of directors and independent commissioners, earnings proxie

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AJAYI, Olusesan Oluyemi, AMIYA Bhaumik Dr., Sarafadeen Diran ADENIYI, and Adeshina Akeem ADEDEJI. "An Analysis of the Impact of Loan Granting On Deposit Money Bank Performance in Nigeria, Specifically Focusing On the Mararaaba Branch of Uba Bank Plc." International Journal of Academic Research in Business, Arts & Science (IJARBAS) 7, no. 1 (2025): 45–61. https://doi.org/10.5281/zenodo.14773981.

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This study looks at how loan granting impacts the performance of Nigeria's Deposit Money Banks (DMBs), concentrating on the Mararaba Branch of UBA Bank PLC. The study intends to evaluate how loan defaults affect DMBs' ability to maintain their financial stability, investigate the criteria taken into account when granting loans, and pinpoint tactics used to reduce loan defaults. With a 93.3% response rate, the survey questionnaire used in the study yielded insights from 14 of 15 completed questionnaires. The vast majority of participants indicated that approving loan had a favorable influence o

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