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Journal articles on the topic 'Bank capital Bank loans Banks and banking Monetary policy'

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Published: 4 June 2021

Last updated: 10 February 2022

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1

Godswill, Osuma, Ikpefan Ailemen, Romanus Osabohien, Ndigwe Chisom, and Nkwodimmah Pascal. "Working capital management and bank performance: empirical research of ten deposit money banks in Nigeria." Banks and Bank Systems 13, no. 2 (2018): 49–61. http://dx.doi.org/10.21511/bbs.13(2).2018.05.

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Working capital management is germane for the success of the banking industry in Nigeria, especially the current state of the sector, which is engulfed with the effect of the global decline in oil price that has resulted in non-performing loans, deterioration of the bank asset quality, laying-off of staff amongst others. This is one of the reasons why the profitability of the banking sector deeply depends on the efficient management of a bank’s working capital. Therefore, the objective of this study is to examine how profitability of banks can be enhanced through the working capital management

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Muhammad, Fidlizan, Asmak Ab Rahman, and Ahmad Azam Sulaiman. "The roles of domestic and foreign Islamic banks in Malaysian monetary transmission." International Journal of Islamic and Middle Eastern Finance and Management 7, no. 2 (2014): 161–69. http://dx.doi.org/10.1108/imefm-11-2011-0084.

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Purpose – The aim of this paper is to empirically test the presence of the bank lending channel for the Islamic banking system in Malaysia. Design/methodology/approach – Distributional effects from monetary policy changes were analyzed by three bank characteristics such as size, liquidity and capital. Using the econometric model by Kashyap and Stein (1995), the implementation of a policy contraction leads to reduction in loan supply because some banks may not able to offset a reduction in deposits. The paper explores the response shown between domestic and foreign Islamic banks in Malaysia usi

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Kausar, Amna. "Impact of Bank Capital and Monetary policy on Lending Behavior of USA Banking Sector Before and After Global Financial Crises." Journal of Educational Paradigms 3, no. 1 (2021): 171–81. http://dx.doi.org/10.47609/0301062021.

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This study investigates the impact of bank capital, capital structure and monetary policy on the lending behavior of USA banks before and after global financial crises. For this purpose, sample data is collected from the annual reports of top ten banks of USA from 2001 to 2017. A panel unit root is applied to check the stationarity of variables. In order to explain the impact of bank capital, capital structure and monetary policy on lending behavior of USA banks, fixed effect and random effect model have been used. The sample data has been divided into two sets. First data set is taken from 20

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Acharya, Krishna Prasad. "Impact of Merger on Financial Performance of Nepalese Commercial Bank." Journal of Balkumari College 9, no. 1 (2020): 101–4. http://dx.doi.org/10.3126/jbkc.v9i1.30093.

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Mergers and Acquisitions have become the most widely used business strategy of restructuring and strong financial institution to achieve competitiveness, to ensure long term existence with suitable profitability, to forge entering in new markets, and to ascertain the capital base etc. Specially, the merger law policy-2068 and monetary policy 2072 issued by Nepal Rastra Bank, the regulatory body of banks in Nepal, have been experienced as the most effective weapons for merger and acquisition in Nepalese Banking industry. This study makes an attempt to the latest Monetary Policy lays down measur

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Dewasurendra, Sagara, Pedro Judice, and Qiji Zhu. "The Optimum Leverage Level of the Banking Sector." Risks 7, no. 2 (2019): 51. http://dx.doi.org/10.3390/risks7020051.

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Banks make profits from the difference between short-term and long-term loan interest rates. To issue loans, banks raise funds from capital markets. Since the long-term loan rate is relatively stable, but short-term interest is usually variable, there is an interest rate risk. Therefore, banks need information about the optimal leverage strategies based on the current economic situation. Recent studies on the economic crisis by many economists showed that the crisis was due to too much leveraging by “big banks”. This leveraging turns out to be close to Kelly’s optimal point. It is known that K

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Burlachkov, V. K. "Negative interest rates as a consequence of the transformation of monetary arrangements in modern economy: A literature review." Finance and Credit 26, no. 4 (2020): 856–73. http://dx.doi.org/10.24891/fc.26.4.856.

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Subject. The article considers negative interest rates applied by both central and commercial banks on deposits and loans under conditions of significant changes in monetary arrangements of the modern economy. Currently, the number of central and commercial banks using such interest rates tends to increase. Objectives. The aim is to review theoretical and practical scientific studies on identifying the root causes of using the negative interest rates and the implications of this practice in the modern economy. Methods. The study involves methods of induction, deduction, synthesis, and comparat

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LUTSIV, Bohdan. "DEFIBRILLATORS OF EXPECTED MINES IN THE DEVELOPMENT OF THE BANKING SYSTEM OF UKRAINE: LESSONS OF THE CRISIS." WORLD OF FINANCE, no. 3(60) (2019): 26–36. http://dx.doi.org/10.35774/sf2019.03.026.

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Introduction. The effective functioning of the banking system determines the stability of the monetary market in the country. Stability and transparency of functioning and effective management are a guarantee of growth of deposits and attractiveness for investors. However, in recent years, the Ukrainian banking system is in a state of recession and does not fulfil the functions assigned to it. This led to the need for a so-called “purge” of the banking system and led to significant losses for both banks and for all the country’s economists. The instability that resulted from the crisis has cau

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Repousis, Spyridon. "Greek fiscal crisis and measures to safeguard financial stability." Journal of Financial Regulation and Compliance 23, no. 4 (2015): 415–30. http://dx.doi.org/10.1108/jfrc-12-2014-0050.

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Purpose – The purpose of this paper is to present measures and policies followed during the Greek fiscal crisis to safeguard financial stability. Design/methodology/approach – Greece since 2009 was subjected to the Excessive Deficit Procedure and a government debt crisis due to the arrival of the global economic crisis leading to a major economic and banking crisis. Two huge bailout loans and programs helped Greece avoid default. However the second bailout loan and participation of banks in the Private Sector Involvement caused losses to the banking system that amounted to €37.7 billion. To de

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Ayvazli, Ayxan Nizami. "Scientific research on the improvement of commercial banks and application of innovations." Proceedings of the Voronezh State University of Engineering Technologies 81, no. 2 (2019): 280–84. http://dx.doi.org/10.20914/2310-1202-2019-2-280-284.

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It should be borne in mind that the global changes taking place in the world have led to significant innovation changes in financial institutions, one of the main mechanisms in the information economy, and have had a significant impact on the rapid development of the banking sector and the specialization of modern requirements. Proper regulation of market relations has always been a private and public sector. In particular, the study of the globalization processes and the problems that arise as a result of the activities carried out in the banking sector are on the agenda. The elimination of p

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Ben Salem, Salha, Moez Labidi, and Nadia Mansour. "Empirical evidence on Non-Performing Loans and credit frictions: banking sector in Tunisia." International Journal of Financial, Accounting, and Management 2, no. 3 (2020): 171–83. http://dx.doi.org/10.35912/ijfam.v2i3.191.

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Purpose: This paper explores the most important determinants of friction in the Tunisian credit market. The previous literature argued that friction is largely explained by the increase in Non-Performing Loans Nkusu, 2011; Abadi et al. 2014; Rulyasri et al.2017, Roland et all, 2013. Research methodology: We constructed a multivariate Vector Error Correction Model, with five macroeconomic variables (industrial production index, the money supply, money market interest rate) to examine the impact of Non-Performing Loans increase in amplifying the Tunisian credit frictions. Results: The Vector Err

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Barik, S. S., and Nishita Raje. "Net Interest Margins of Banks in India." Margin: The Journal of Applied Economic Research 13, no. 2 (2019): 192–207. http://dx.doi.org/10.1177/0973801018812545.

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Net interest margin (NIM) is the raison d’être of banking. It is an important measure of efficacy of the banking sector. At the system level, it is indicative of the cost of financial intermediation, health of the banking sector and its pricing power. In recent years, the Indian banking sector has experienced a major metamorphosis, with increasing competition and changing norms of liquidity, income recognition and capital. The end of regulatory forbearance and asset quality review (AQR) unearthed significant non-performing assets. This article traces the influence of various factors on the NIM

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Montes, Gabriel Caldas, and Gabriel Gonçalves do Vale Monteiro. "Monetary policy, prudential regulation and investment." Journal of Economic Studies 41, no. 6 (2014): 881–906. http://dx.doi.org/10.1108/jes-12-2012-0173.

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Purpose – The purpose of this paper is to analyze the influence of prudential regulation and monetary policies on the supply of credit as well as the influence of such policies on the aggregate investment through the credit channel in Brazil. Design/methodology/approach – The empirical analysis is based on estimates through ordinary least squares (OLS), generalized method of moments (GMM), system of equations through GMM (system-GMM), and impulse response functions through vector autoregressive (VAR). Findings – The results suggest that monetary policies and prudential regulation affect aggreg

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Sun, Jiaqi, and J. H. Van Rooyen. "A modelling process of short-term interest rate risk management for the South African commercial banking sector." Corporate Ownership and Control 9, no. 1 (2011): 628–37. http://dx.doi.org/10.22495/cocv9i1c6art6.

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This study focuses on banking book interest rate risk (IRR) management, more specifically short-term IRR management (SIRR). This type of risk is partly induced by the inflation targeting policy of the South African Reserve Bank (SARB). As a result, inflation leads to an uncertain interest rate cycle and a period of uncertain interest rate levels as it relates to lending and borrowing activities in the South African commercial banking sector. This study highlights what causes short-term interest rate risk and how the banks may forecast and manage the SIRR with reference to the inflation targeti

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Pohorelenko, Nataliia. "Justification of the list of indicators financial stability of the banking system." Economics of Development 17, no. 3 (2018): 1–16. http://dx.doi.org/10.21511/ed.17(3).2018.01.

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The generalization of scientific approaches to the assessment of the financial stability of the banking system has demonstrated the multivariance of views on structuring and listing of financial stability indicators and has made it possible to distinguish three main ones: on the basis of macroeconomic and macro financial indicators; on the basis of separate indicators; based on synthetic indicators. It is proved that the latter is most effective since the large number and variability of financial ratios used by different authors to assess the level of financial stability of banking systems doe

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Listiyanto, Eko, and Telisa Aulia Falianty. "Analisis Kekakuan dan Faktor-faktor yang Memengaruhi Tingkat Suku Bunga Perbankan di Indonesia." Jurnal Kebijakan Ekonomi 8, no. 2 (2013): 26. http://dx.doi.org/10.21002/jke.v8i2.26.

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<p align="center"><em>ABSTRACT</em></p><p><em>The research discusses the rigidity of interest rates on deposits and loans to changes in interest rate policies in the three groups of banks in Indonesia, and the factors that influence the interest rates on deposits and loans in the banking system. Rigidity of bank interest rates were analyzed with error correction model approach (Error Correction Model / ECM) using panel data. While the factors that influence the development of the banking interest rates were analyzed with multiple linear regression approach m

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Vladymyr, Olha. "Banking and real sectors as key components of the national economic development." Herald of Ternopil National Economic University, no. 2(96) (July 10, 2020): 93–107. http://dx.doi.org/10.35774/visnyk2020.02.093.

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Introduction. National economic development depends on many conditions – economic, political, legal, socio-cultural etc. However, a special role is assigned to the real sector, where goods and services are created and banking, which provides servicing of business entities, accumulation of temporarily free funds, formation and flow of capital, stabilization of the national currency. Therefore, the article is devoted to the analysis of indicators of the real and banking sectors development of Ukrainian economy. Purpose. The purpose of the research is disclosure the current state of the real and

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Shokr, Mohamed Aseel. "Real interest rate, income and bank loans: panel evidence from Egypt." Journal of Financial Economic Policy 12, no. 2 (2019): 227–43. http://dx.doi.org/10.1108/jfep-09-2018-0140.

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Purpose This paper aims to examine the effectiveness of monetary policy on bank loans in Egypt using generalized method of moments (GMM) model. Also, it investigates the impact of bank level variables, namely, total assets, liquidity, capital and income on bank loans. It develops the equation of loans, which is introduced by Ehrmann et al. (2002) using bank level variables such as income and the interaction between income and interest rate. Design/methodology/approach This paper examines the impact of monetary policy shocks on bank loans in Egypt by applying the GMM technique and panel data fr

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Chen, Kaiji, Jue Ren, and Tao Zha. "The Nexus of Monetary Policy and Shadow Banking in China." American Economic Review 108, no. 12 (2018): 3891–936. http://dx.doi.org/10.1257/aer.20170133.

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We study how monetary policy in China influences banks’ shadow banking activities. We develop and estimate the endogenously switching monetary policy rule that is based on institutional facts and at the same time tractable in the spirit of Taylor (1993). This development, along with two newly constructed micro banking datasets, enables us to establish the following empirical evidence. Contractionary monetary policy during 2009–2015 caused shadow banking loans to rise rapidly, offsetting the expected decline of traditional bank loans and hampering the effectiveness of monetary policy on total b

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Muhanji, Geoffrey Indeje, and Joseph Theuri. "Bank Regulation and Level of Non performing Loans in Commercial Banks in Nakuru County Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 2 (2020): 59–76. http://dx.doi.org/10.35942/ijcfa.v2i2.132.

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The study sought to determine the effect of bank regulation and level of nonperforming loans in commercial banks in Nakuru County Kenya. The specific objectives of the study were to explore the effect of capital adequacy on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to find out the effect of asset quality on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to evaluate the effect of liquidity management on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to examine the effect of management efficiency on th

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Omankhanlen, Alex Ehimare. "The Effect of Monetary Policy on the Nigerian Deposit Money Bank System." International Journal of Sustainable Economies Management 3, no. 1 (2014): 39–52. http://dx.doi.org/10.4018/ijsem.2014010104.

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This study investigates the effect of monetary policy on the Nigerian Deposit Money Bank (DMB) System. The Nigerian banking system is currently under-going a series of reforms in order to enhance its competitiveness and efficiency. The Ordinary Least Square (OLS) method is used to examine the effect of monetary policy on the Nigerian Deposit Money Bank System, using such variables as total loans and advances (TLA) as dependent variable and liquidity ratio (LR),cash reserve ratio (CRR), monetary policy rate (MPR), and average exchange rate (AER) as independent variables. The result of the findi

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Zulkhibri, Muhamed. "The impact of monetary policy on Islamic bank financing: bank-level evidence from Malaysia." Journal of Economics, Finance and Administrative Science 23, no. 46 (2018): 306–22. http://dx.doi.org/10.1108/jefas-01-2018-0011.

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Purpose This paper aims to examine the distributional differences of Islamic bank financing responses to financing rate across bank-specific characteristics in dual banking system. The study also aims to provide understanding of how efficiently Islamic banks perform their roles as suppliers of capital for businesses and entrepreneurs. Design/methodology/approach The study uses panel regression methodology covering all Islamic banks in Malaysia. The study estimates the benchmark model for Islamic bank financing with respect to bank characteristics and monetary policy. Findings The evidence sugg

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Ferrante, Francesco. "A Model of Endogenous Loan Quality and the Collapse of the Shadow Banking System." American Economic Journal: Macroeconomics 10, no. 4 (2018): 152–201. http://dx.doi.org/10.1257/mac.20160118.

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I develop a macroeconomic model in which banks can affect loan quality by exerting costly screening effort. Informational frictions limit the amount of external funds that banks can raise. In this framework, I consider two types of financial intermediation: traditional banking and shadow banking. By pooling different loans, shadow banks achieve a higher endogenous leverage compared to traditional banks, increasing credit availability. However, shadow banks also make the financial sector more fragile because of the lower quality of the loans they finance and because of their exposure to bank ru

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OGOWEWO, TUNDE I., and CHIBUIKE UCHE. "(MIS)USING BANK SHARE CAPITAL AS A REGULATORY TOOL TO FORCE BANK CONSOLIDATIONS IN NIGERIA." Journal of African Law 50, no. 2 (2006): 161–86. http://dx.doi.org/10.1017/s0021855306000143.

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This paper is a critique of the policy-making process and the particular policy choice made by the Central Bank of Nigeria with respect to the recent increase in the minimum share capital requirement for Nigerian banks. The article questions the apparent prioritization by the Central Bank of banking supervision – important though it is – over macro-economic stability. It also draws attention to serious public law issues (breach of monetary law and abuse of power) and the private law implications (conflicts of interests, scheme of arrangement defects, and negligent valuations) of this policy-ma

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Fisera, Boris, and Jana Kotlebova. "Comparison of effects of expansionary monetary policy in the Czech Republic and Slovakia." SHS Web of Conferences 74 (2020): 04006. http://dx.doi.org/10.1051/shsconf/20207404006.

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The ongoing process of globalization has affected the way the monetary policy is conducted – and this is especially the case of small open economies, where the economic developments are heavily affected by the developments abroad. Therefore, the aim of this paper is to investigate the effects of unconventional monetary policy in two very open economies – Slovakia and the Czech Republic in the post-crisis era – the two rather similar very open economies. We assess the effects of their monetary policies by estimating their impact on the banking sector in both countries. We employ two cointegrati

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Korobov, Yury, Sergey Bogomolov, Larisa Ilyina, and Marina Plotnikova. "On the Relationship between Bank Lending Indicators and General Economic Indicators." SHS Web of Conferences 91 (2021): 01011. http://dx.doi.org/10.1051/shsconf/20219101011.

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One of the most important tasks of any state is to ensure stable economic growth. Banks can play an important role in performing this task, primarily by providing loans. The purpose of the study is to identify the relationship between indicators of banks’ lending activity and general indicators of economic development. Index of physical volume of GDP and index of physical volume of fixed capital investment were selected as resultant economic indicators, and growth rate of debt on bank loans (overall and by loan types), the share of loans in fixed capital investment, and the ratio of debt on ba

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Jabbouri, Imad, and Maryem Naili. "Determinants of Nonperforming Loans in Emerging Markets: Evidence from the MENA Region." Review of Pacific Basin Financial Markets and Policies 22, no. 04 (2019): 1950026. http://dx.doi.org/10.1142/s0219091519500267.

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Credit risk has severe impacts on banks’ performance, leading to financial and economic distress. To highlight this interesting issue, this study explores bank-specific and macroeconomic determinants of banks’ credit risk, denoted by the level of nonperforming loans (NPLs). The study includes 98 banks from 10 Middle East and North African (MENA) emerging countries spanning the period between 2003 and 2016. The analysis employs panel data estimation technique. Our results reveal that bank size, capital adequacy ratio, bank operating efficiency, profitability, GDP growth, unemployment, inflation

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Anggraini, Diah, DWINITA ARYANI, and Irawan Budi Prasetyo. "Analisis Implementasi Green Banking Dan Kinerja Keuangan Terhadap Profitabilitas Bank Di Indonesia (2016-2019)." JBMI (Jurnal Bisnis, Manajemen, dan Informatika) 17, no. 2 (2020): 141–61. http://dx.doi.org/10.26487/jbmi.v17i2.11264.

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Green banking adalah aktivitas operasional perbankan yang ramah lingkungan. Penelitian ini menganalisis penerapan green banking, dan kinerja keuangan terhadap profitabilitas bank di Indonesia periode 2016-2019. Sampel penelitian menggunakan metode purposive sampling dan di peroleh 9 bank yang sesuai kriteria. Pengujian data menggunakan analisis regresi berganda. Hasil penelitian menunjukkan bahwa kebijakan green banking berpengaruh positif signifikan terhadap profitabilitas, kecukupan modal tidak berpengaruh negatif signifikan terhadap profitabilitas, kredit bermasalah tidak berpengaruh negati

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Masera, Rainer, and Giancarlo Mazzoni. "On the non-neutrality of the financing policy and the capital regulation of banking firms." Studies in Economics and Finance 33, no. 4 (2016): 466–87. http://dx.doi.org/10.1108/sef-09-2014-0179.

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Purpose The paper aims to investigate whether the value of banks is affected by their financing policies. Higher capital requirements have been invoked by exploiting a renewed edition of the Modigliani–Miller (M&M) theorem. This paper shows the limits of this claim by highlighting that the general statement that “bank equity is not expensive” can be misleading. The authors argue that market prices should play an important role in bank supervision. Expectations of future profits in prices supply timely information on the viability of a bank. Design/methodology/approach The authors use the M

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Ristić, Kristijan, and Mirjana Jemović. "Analysis of Non-Performing Loans’ Determinants in the Banking Sector of the Republic of Serbia." Economic Themes 59, no. 1 (2021): 133–51. http://dx.doi.org/10.2478/ethemes-2021-0008.

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Abstract After the financial deregulation that marked the last two decades of the 20th century, banks lost their monopolistic position and faced a number of competitors on the financial market. Fighting for their market share, banks began to grant loans under more relaxed terms. This policy increased the share of non-performing loans (NPLs) and ultimately increased credit risk in the banking sector. The share of non-performing loans in total loans indicates the quality of bank assets, so their analysis and trend are an important parameter in assessing the stability of the banking and overall f

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Anshori, Moch, and M. Alif Shofiyudin. "Peran Kebijakan Moneter Terhadap Kemampuan Perbankan Dalam Penyaluran Pembiayaan." Jurnal Ilmiah Ekonomi Islam 7, no. 1 (2021): 51. http://dx.doi.org/10.29040/jiei.v7i1.1758.

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The purpose of this study is to see the response of Islamic banking in Indonesia from monetary policy. This research uses quantitative methods. The data used are the 2017-2019 financial statements. The results of this study indicate that the bank is not in a financial condition. This, coupled with liquidity in banks, monetary and monetary effects will not affect financing. As for capital, monetary policy changes will affect finances.

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Onopriienko, Yu Yu, and O. M. Obod. "Analysis of Banking System Functioning and Influence of Uncertainty Factors on Strategic Management of Bank Finances." Mechanism of an Economic Regulation, no. 2 (2020): 74–85. http://dx.doi.org/10.21272/mer.2020.88.06.

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The article analyzes the banking system of Ukraine in times of crisis and highlights the current state of its functioning. It is noted that the banking crisis played an important role, as a result of which there were a number of problems, namely at the level of management of individual banks, the reason for vulnerability to crisis phenomena was, first of all, the inefficiency of strategic management, which resulted in a high-risk profile of most of them in conditions of insufficient capital coverage of these risks. It is determined that the effectiveness of strategic management of bank finance

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Bidabad, Bijan. "Islamic Monetary Policy and Rastin Swap Bonds." International Journal of Islamic Banking and Finance Research 3, no. 2 (2019): 1–16. http://dx.doi.org/10.46281/ijibfr.v3i2.269.

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Purpose: This paper aims to examine monetary instruments in Islamic central banking framework. As a conclusion, to revive Islamic monetary policy, we should provide some public equity-based instrument as a necessary replacement for conventional bonds and treasury bills to activate non-usury open market operations. Design: We define a type of new negotiable bond as: “Rastin Swap Bonds (RSBs)”, which is based on swapping money between two persons for two different periods. Findings: RSB is a financial paper that observes the right for the lender to borrow an equal amount to his lendi

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BURLACHKOV, Vladimir K. "Non-banking financial intermediation and phenomena of shadow money in modern economy." Finance and Credit 27, no. 8 (2021): 1694–709. http://dx.doi.org/10.24891/fc.27.8.1694.

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Subject. The article addresses the non-banking financial intermediation (shadow banking system) as it is successfully expanding nowadays both in developed countries and emerging economics. Objectives. The study aims at conducting a comprehensive analysis of the specifics of non-banking financial intermediation, revealing its impact on economic agents’ activities, causes and consequences, and elaborating the methodological framework for effectiveness of modern monetary policy. Methods. I employ methods of scientific abstraction, induction, deduction, synthesis, and comparative analysis. Results

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Osei-Assibey, Eric, and Joseph Kwadwo Asenso. "Regulatory capital and its effect on credit growth, non-performing loans and bank efficiency." Journal of Financial Economic Policy 7, no. 4 (2015): 401–20. http://dx.doi.org/10.1108/jfep-03-2015-0018.

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Purpose – This paper aims to investigate the influence of the central bank’s regulatory capital on commercial banks specific performance outcomes such as credit supply, interest rate spread (as a measure of efficiency) and non-performing loans (NPLs). Design/methodology/approach – Using specific commercial bank-level panel data from 2002-2012, a system of equations was modeled that allows us to apply the system generalized methods of moment approach and estimate the equations, while controlling for specific bank level, industry and macroeconomic variables. Findings – The study finds a positive

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Khalfaoui, Hamdi, and Abdelkader Derbali. "Money creation process, banking performance and economic policy uncertainty: evidence from Tunisian listed banks." International Journal of Social Economics 48, no. 8 (2021): 1175–90. http://dx.doi.org/10.1108/ijse-12-2020-0784.

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PurposeThis paper aims to investigate the relationship between money creation process and banking performance for Tunisian listed banks, particularly in the context of increased economic policy uncertainty.Design/methodology/approachIn the relevant literature, there are two theories of money creation. The theory of money creation out of nothing, by using the central bank for refinancing and the theory of financial intermediation, from which money creation is made from preexisting savings. In this paper, the authors utilize a panel data for a sample composed of 11 Tunisian banks during the peri

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AL-hakim, Nasreen Mohamed, and Akram S. Yousif. "The effect of the efficiency of monetary policy educational tools on the financial soundness of banks A pilot study in the Iraq Stock Exchange (2007-2017)." Academic Journal of Nawroz University 10, no. 2 (2021): 54–75. http://dx.doi.org/10.25007/ajnu.v10n2a1002.

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The aim of the research is to identify the impact of the quantitative tools of monetary policy on the financial soundness of banks, and the research was based on a set of hypotheses, to determine the nature of the effect between independent and dependent variables, and for the purpose of testing research hypotheses, a number of financial ratios according to CAMEL indicators were used to analyze the historical data of banks, the research sample and the component From (7) banks for the period (2007-2017), the quantitative tools of monetary policy were used from the impact published in the Centra

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Rahman, Md Ataur, Md Asaduzzaman, and Md Shakhaowat Hossin. "Impact of Financial Ratios on Non-Performing Loans of Publicly Traded Commercial Banks in Bangladesh." International Journal of Financial Research 8, no. 1 (2016): 181. http://dx.doi.org/10.5430/ijfr.v8n1p181.

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This study investigates the influences of a set of financial ratios on non-performing loans and to show to what extent of listed commercial banks in Bangladesh. In this study, we applied an econometric model to find out correlations among financial ratios and a sample of 96 observations has been analyzed from 20 banks out of 30 listed commercial banks during 2010-2015. This paper mostly agrees with the existing literature that, credit-deposit ratio, net interest margin have a positive influence on the non-performing loans and capital adequacy ratio, return on assets have a negative influence o

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Ostojic, Sinisa. "Models of restructuring banking systems in economies in transition." Privredna izgradnja 45, no. 3-4 (2002): 201–24. http://dx.doi.org/10.2298/priz0203201o.

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In view of the still underdeveloped capital market in Central and Eastern Europe, modernizing enterprises particularly depends on a functioning banking sector. Due to the interdependence enterprises and banks the insolvency of individual enterprises set off chain reactions which resulted in the collapse of banks and shook the banking systems in some countries. Commercial banks were particularly susceptible to these developments since the ratio between their own fluids and enough experience in reorganizing enterprises nor business perspectives for the enterprises depending on them. In the past

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Sipahutar, Mangasa Augustinus, Rina Oktaviani, Hermanto Siregar, and Bambang Juanda. "Linkage of Credit on BI Rate, Funds Rate, Inflation and Government Spending on Capital." JEJAK 10, no. 1 (2017): 1–11. http://dx.doi.org/10.15294/jejak.v10i1.9123.

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Linkage of credit on BI rate, funds rate, inflation, and government spending on capital provides evidence from Indonesia. This paper found advance explanation about banks credit as monetary transmission channel and its role on Indonesian economy. We used credit depth as a ratio of banks credit to GDP nominal, to explain the role of credit in Indonesian economy. We developed a VAR model to measure the response of credit to BI rate, funds rate and inflation rate, and OLS method to find out how banks credit response to government spending on capital. This paper revealed bi-direction causality bet

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Khawaja, M. Idrees, and Musleh-Ud Din. "Banking: Interest Spread, Inelastic Deposit Supply, and Mergers." Pakistan Development Review 45, no. 4II (2006): 1055–70. http://dx.doi.org/10.30541/v45i4iipp.1055-1070.

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Interest spread, the difference between what a bank earns on its assets and what it pays on its liabilities, has been on an upward trend during the last few years: during 2005 the average interest spread of the banking sector has increased by 2.14 percent. An increase in the interest spread implies that either the depositor or the borrower or both stand to loose. In the context of developing economies, the lack of alternate avenues of financial intermediation aggravates the adverse impact of increase in spread.1 Interest spread also has implications for the effectiveness of the bank lending ch

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Menicucci, Elisa, and Guido Paolucci. "The determinants of bank profitability: empirical evidence from European banking sector." Journal of Financial Reporting and Accounting 14, no. 1 (2016): 86–115. http://dx.doi.org/10.1108/jfra-05-2015-0060.

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Purpose The purpose of this paper is to investigate the relationship between bank-specific characteristics and profitability in European banking sector to find the role of internal factors in achieving high profitability. Design/methodology/approach A regression analysis is built on an unbalanced panel data set comprising 175 observations of 35 top European banks over the period 2009-2013. To this end, the empirical data are collected from Bankscope and a comprehensive set of internal characteristics is examined. Findings All the determinant variables included in the model have statistically s

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Gutiérrez-López, Cristina, and Julio Abad-González. "Sustainability in the Banking Sector: A Predictive Model for the European Banking Union in the Aftermath of the Financial Crisis." Sustainability 12, no. 6 (2020): 2566. http://dx.doi.org/10.3390/su12062566.

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Given the central role of banks in financial stability and the recent impact of their insufficient capitalization, this article focuses on finding determinants of their solvency through financial variables. The study considers the European Banking Union framework and the results of the latter stress test exercises, using a panel of the 45 banks based in 15 European countries that were stress tested in 2014, 2016 and 2018. This paper models bank soundness proxied by the stressed tier capital 1 ratio by means of financial indicators representing a CAMELS (Capital, Assets quality, Management, Ear

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OZSOZ, EMRE, MUSTAPHA AKINKUNMI, ISMAIL CAGRI AY, and ADEMOLA BAMIDELE. "HOW CBN CONFRONTED THE MELTDOWN: THE GLOBAL FINANCIAL CRISIS AND THE CENTRAL BANK OF NIGERIA’S RESPONSE." Singapore Economic Review 62, no. 01 (2017): 147–61. http://dx.doi.org/10.1142/s0217590817400070.

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This paper provides an analysis of policy responses to the Global Financial Crisis by the Central Bank of Nigeria (CBN). Given its unique position as a major commodity exporter with a large population, Nigerian authorities utilized a mixture of policies including reductions in the monetary policy rate and capital reserve requirement, lending through the expanded discount window, money market interbank transactions guaranty and limitations on deposit money banks’ (DMBs) foreign exchange net open positions. CBN also rolled over margin loans that were extended to equity investors. As a result the

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

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

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Turguttopbas, Neslihan. "Perspectives on Monetary Policy and Cost of Capital: Evidence from Turkey." Journal of Central Banking Theory and Practice 6, no. 2 (2017): 45–64. http://dx.doi.org/10.1515/jcbtp-2017-0012.

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Abstract The target of monetary policy is generally set as to create an environment of manageable employment and affordable long-term interest rates. However, priorities of central banks may differ depending on economic and financial circumstances of individual countries. Modern approaches to monetary policy transmission can be grouped under two headings, Money View and Credit View. The money view concentrates on interest rates to explain the effects of monetary policy on aggregate spending by creating an interest rate channel. The credit channel transmission approach focuses on the supply of

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Łukaszuk, Krzysztof. "Agriculture Loans in Cooperative Banks of the Podlaskie Voivodeship." Economic and Regional Studies / Studia Ekonomiczne i Regionalne 13, no. 4 (2020): 473–89. http://dx.doi.org/10.2478/ers-2020-0035.

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SummarySubject and purpose of work: Running an agricultural activity requires acquiring funds necessary for its functioning and proper development. The most classic examples of financing agricultural activity include all kinds of bank loans used by farmers for the purchase of agricultural land, construction and modernization of buildings, the purchase of machinery and equipment, as well as the establishment of perennial plantations or the purchase of a herd. The aim of the study is to present the possibilities of financing agricultural activity by cooperative banks in the Podlaskie Voivodeship

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Łukaszuk, Krzysztof. "Agriculture Loans in Cooperative Banks of the Podlaskie Voivodeship." Economic and Regional Studies / Studia Ekonomiczne i Regionalne 13, no. 4 (2020): 473–89. http://dx.doi.org/10.2478/ers-2020-0035.

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Summary Subject and purpose of work: Running an agricultural activity requires acquiring funds necessary for its functioning and proper development. The most classic examples of financing agricultural activity include all kinds of bank loans used by farmers for the purchase of agricultural land, construction and modernization of buildings, the purchase of machinery and equipment, as well as the establishment of perennial plantations or the purchase of a herd. The aim of the study is to present the possibilities of financing agricultural activity by cooperative banks in the Podlaskie Voivodeshi

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Ermakova, Eka. "Servicing of shadow economy: banking and parabanking systems." Национальная безопасность / nota bene, no. 6 (June 2020): 1–9. http://dx.doi.org/10.7256/2454-0668.2020.6.34674.

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The goal of this article consists in understanding of the role of banking and parabanking institutions in ensuring shadow capital flow. The object of this research is the financial flows that serve shadow economy. The subject of this research is the capital outflow through banking and parabanking systems, shady transactions of commercial banks, and structure of money turnover. Methodological framework is comprised of systemic and integrated approaches. The article also employs the general scientific methods (scientific abstraction, unity of historical and logical, analysis and synthesis, induc

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Dhawan, Sanjeev, and Afroze Nazneen. "Innovation approaches to estimate financial performance of banking sector: the case for Saudi Arabia." Marketing and Management of Innovations 5, no. 2 (2021): 252–60. http://dx.doi.org/10.21272/mmi.2021.2-21.

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A robust financial structure is considered essential for the swift development and growth and of an economic system. The banking structure is a vital constituent of the financial structure of a nation. The banking system performance assessment is an influential determinant and indicator of the economy's financial strength. Financial Innovation approaches resulting from new technology helps in better estimation of Financial Performances of the banking sector. Banks need to be more closely and accurately watched as they play the role of facilitator of monetary policy of the economy. The prime ob

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Lainà, Patrizio. "Money creation under full-reserve banking: a stock–flow consistent model." Cambridge Journal of Economics 43, no. 5 (2018): 1219–49. http://dx.doi.org/10.1093/cje/bey034.

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Abstract This paper presents a stock–flow consistent model of full-reserve banking. The paper investigates money creation through government spending in a full-reserve banking system. The results are contrasted against the cases in which government spending is increased under full-reserve banking without money creation and under endogenous money, that is, the current monetary system. It is found that output, employment and inflation evolve almost identically. In contrast to other cases, money creation in a full-reserve banking system leads to a permanent reduction in consolidated government de

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