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Journal articles on the topic 'Bank Efficiency. JEL Classification: E44'

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Published: 5 June 2025

Last updated: 1 August 2025

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1

Zeb, Shumaila, and Abdul Sattar . "Financial Regulations, Profit Efficiency, and Financial Soundness: Empirical Evidence from Commercial Banks of Pakistan." Pakistan Development Review 56, no. 2 (2017): 85–103. http://dx.doi.org/10.30541/v56i2pp.85-103.

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The purpose of this paper is threefold. First, it measures profit efficiency and financial stability of commercial banks of Pakistan. Second, it empirically estimates the effect of the already implemented financial regulations on the profit efficiency and financial stability of banks. Third, it examines the differential effect of financial regulations on profitability and financial soundness across bank size. To carry out the empirical analysis, a balanced bank-level panel data covering the period 2008-2014 is used. To gauge the profit efficiency of commercial banks, Data Envelopment Analysis

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2

Studinska, G., and V. Prosov. "PROBLEMS OF MODELING THE MORTGAGE MARKET OF UKRAINE." Financial and credit activity: problems of theory and practice 2, no. 37 (2021): 55–61. http://dx.doi.org/10.18371/fcaptp.v2i37.229691.

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Abstract. The evolution of mortgage market modeling in the context of implementing the strategy of technological development of the national economy is analyzed, that allowed to take into account the disadvantages and advantages of all models, modern socio-economic problems and implement the mortgage market as a mechanism for achieving structural changes in the national economy. Approaches to solving modern problems of mortgage lending in Ukraine through the introduction of specialized mortgage-industrial centers are reasoned: 1) diversification of primary sources of financing in order to max

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Widyastuti, Ratna Sri, and Boedi Armanto. "BANKING INDUSTRY COMPETITION IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 4 (2013): 401–34. http://dx.doi.org/10.21098/bemp.v15i4.433.

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This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and

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Widyastuti, Ratna Sri, and Boedi Armanto. "KOMPETISI INDUSTRI PERBANKAN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 4 (2013): 417–39. http://dx.doi.org/10.21098/bemp.v15i4.74.

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This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and

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Restrepo, María Isabel, and Diana Constanza Restrepo. "El canal del crédito bancario en Colombia: 1995-2005. Una aproximación mediante modelos de umbral." Lecturas de Economía, no. 67 (July 31, 2009): 99–118. http://dx.doi.org/10.17533/udea.le.n67a2022.

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El canal del crédito bancario, que amplifica los efectos del canal tradicional de la política monetaria, hace énfasis en la estructura y las fricciones del mercado financiero como determinantes del gasto agregado. Este artículo analiza y verifica la existencia del canal del crédito bancario en Colombia estimando un modelo propuesto por Michael Gibson en 19971997, quien utiliza regresiones de umbral para determinar el impacto de la política monetaria sobre la demanda agregada. Los resultados obtenidos no permiten descartar la existencia de este mecanismo de transmisión en Colombia durante el pe

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Malherbe, Frederic. "Optimal Capital Requirements over the Business and Financial Cycles." American Economic Journal: Macroeconomics 12, no. 3 (2020): 139–74. http://dx.doi.org/10.1257/mac.20160140.

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I study economies where banks do not fully internalize the social costs of their lending decisions, which leads to real overinvestment. The bank capital requirement that restores investment efficiency varies over time. During booms, more investment is desirable, so the banking sector must be allowed to expand. This suggests a loosening of the requirement. However, there is also more bank capital. Since the banking sector exhibits decreasing returns to scale, this suggests a tightening instead. I find that the latter effect, which I dub the “bank capital channel,” dominates: the optimal capital

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Harmanta, Harmanta, Nur M. Adhi Purwanto, and Fajar Oktiyanto Oktiyanto. "INTERNALISASI SEKTOR PERBANKAN DALAM MODEL DSGE." Buletin Ekonomi Moneter dan Perbankan 17, no. 1 (2014): 23–60. http://dx.doi.org/10.21098/bemp.v17i1.43.

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We build DSGE model for small open economy with financial friction in the form of collateral constrain on banking sector, designed for Indonesian economy. The constructed model is capable to simulate the monetary policy (Bank Indonesia rate) and macroprudential policy (reserve requirement, capital adequacy ratio – CAR, and loan to value – LTV). By internalizing banking sector into the model, this model also enable us to simulate the impact of any shock originated from banking sector. Keywords: monetary policy, DSGE with banking sector, macroprudential policy JEL Classification: E32, E44, E52,

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Fajar, Hanifan, and Umanto. "The impact of macroeconomic and bank-specific factors toward non-performing loan: evidence from Indonesian public banks." Banks and Bank Systems 12, no. 1 (2017): 67–74. http://dx.doi.org/10.21511/bbs.12(1).2017.08.

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The present study focuses on the need for banking sector to be more reactive when facing globalization that could bring impact on banking industries complexity. Based on empirical studies, there is a need to analyze non performing loan determinants comprehensively using macroeconomic and bank-specific factors to make a good condition on bank, because combining macroeconomic and bank-specific variable as NPL determinants has made a big improvement to analyze NPL. The object of present study is 20 Banks listed in Indonesia Stock Exchange (IDX) between q12005-q42014. Using dynamic panel data GMM-

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Das, Anupam, and Syeed Khan. "Financial Development and Output: A Synthesis of Time Series Cointegration and Causality Tests for Bangladesh." South Asian Journal of Macroeconomics and Public Finance 5, no. 2 (2016): 113–32. http://dx.doi.org/10.1177/2277978716670788.

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Since the 1980s, financial liberalization in developing countries has been an important policy prescription of many international organizations including the World Bank (WB) and International Monetary Fund (IMF). It is argued that the liberalization of the financial sector would allocate productive resources in the most efficient way and increase economic growth. However, the relationship between financial liberalization and output is not clear in the existing empirical literature. Applying the cointegration and Granger causality tests within the vector error correction model (VECM) to a data

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Firmansyah, Irman. "DETERMINANT OF NON PERFORMING LOAN: THE CASE OF ISLAMIC BANK IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 17, no. 2 (2015): 241–58. http://dx.doi.org/10.21098/bemp.v17i2.51.

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This paper analyzes the non-performing loan and its determinant. Using the monthly data of Islamic banks during 2010-2012, this paper found that size and efficiency of the banks do not affect the non-performing loan. On the other hand, GDP and inflation negatively affect the non-performing loan, while the liquidity of the bank positively affects the non-performing loan. The liquidity of also does not mediate the relationship between the size of the bank, their efficiency, the GDP and the inflation to the non-performing loan. Keywords: non-performing loan, liquidity, bank size, efficiency, sobe

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11

Hendratmi, Achsania, Puji Sucia Sukmaningrum, Muhamad Nafik Hadi Ryandono, and Tri Ratnasari. "The Role of Islamic Crowdfunding Mechanisms in Business and Business Development." GATR Journal of Business and Economics Review 4, no. 1 (2019): 10–23. http://dx.doi.org/10.35609/jber.2019.4.1(2).

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Objective - This study aims to determine the role of Islamic crowdfunding towards business development of start-up businesses financed in Singapore, Malaysia and Indonesia. Methodology/Technique - This study uses a qualitative approach with an exploratory case study strategy. The data collection was carried out by conducting in-depth interviews with CEOs and COOs of Kapital Boost and CEO Investee (funded SMEs) informants. Findings - The results show that there is an increase in assets, sales turnover, and the capacity of Micro, Small and Medium Enterprises (MSMEs) and Startup businesses that r

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Puspitasari, Novi, Devi Hardiyanti Rukmana, and Hari Sukarno. "Analysis of Islamic Banking Efficiency Using Maqashid Shariah Approach (Study on Islamic Banks in Indonesia and Malaysia)." Journal of Finance and Banking Review Vol. 2 (4) Oct-Dec 2017 2, no. 4 (2017): 01–07. http://dx.doi.org/10.35609/jfbr.2017.2.4(1).

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Objective - This research aims to analyse the efficiency of Islamic banking in Indonesia and Malaysia based on the maqashid shariah approach. Methodology/Technique - This research uses individual education, creation of justice, and achievement of welfare to measure the efficiency variable. The research period covers the period from 2011 to 2015, using data envelope analysis (DEA). Findings - The result show that there are three (3) Islamic banks that achieve maximum efficiency in Malaysia. These are: Affin Islamic Bank Berhad, which achieved maximum efficiency in terms of distribution and prof

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Goswami, Rishabh, Farah Hussain, and Manish Kumar. "Banking Efficiency Determinants in India: A Two-stage Analysis." Margin: The Journal of Applied Economic Research 13, no. 4 (2019): 361–80. http://dx.doi.org/10.1177/0301574219868373.

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This study aims at measuring the technical efficiency of banks in India and examining its determinants. Efficiency is said to be achieved if a bank is able to maximise its output subject to limited inputs. To obtain technical efficiency score, input-oriented Malmquist Data Envelopment Analysis is applied on two outputs and three input variables, based on a VRS (variable returns to scale) assumption. Three foreign banks—namely, A B Bank Ltd, Bank of Ceylon, and Citibank N A—and two Indian banks—namely, HDFC Bank and State Bank of India—are found to be most efficient during the study period. The

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Mulyadi, J. M. V. "Penilaian Efisiensi Bank dengan Data Envelopment Analysis pada 10 Bank Berperingkat Besar di Indonesia." Jurnal Riset Akuntansi & Perpajakan (JRAP) 2, no. 02 (2015): 113–26. http://dx.doi.org/10.35838/jrap.v2i02.104.

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A B S T R A C T Bank efficiency are important in the assessment of the health of banks. Data Envelopment Analysis is a model of efficiency assessment bank that is widely used because it provides a more detailed analysis of the results compared to financial ratios. Analysis carried out by the production approach, intermediation, revenues and profits. This study assesses the 10 major banks in Indonesia. The results showed that of the 10 large banks are still found inefficiencies. DEA resulted in a recommendation that development can be done bank to achieve optimum efficiency. Based on the

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Mulyadi, J. M. V. "Penilaian Efisiensi Bank dengan Data Envelopment Analysis pada 10 Bank Berperingkat Besar di Indonesia." Jurnal Riset Akuntansi & Perpajakan (JRAP) 2, no. 02 (2015): 113–26. http://dx.doi.org/10.35838/jrap.2015.002.02.11.

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A B S T R A C T Bank efficiency are important in the assessment of the health of banks. Data Envelopment Analysis is a model of efficiency assessment bank that is widely used because it provides a more detailed analysis of the results compared to financial ratios. Analysis carried out by the production approach, intermediation, revenues and profits. This study assesses the 10 major banks in Indonesia. The results showed that of the 10 large banks are still found inefficiencies. DEA resulted in a recommendation that development can be done bank to achieve optimum efficiency. Based on the

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16

Charnvitayapong, Kovit. "Thrift and Credit Cooperative Lending Channel under Prolonged Low-Interest Rates: The Case of Thailand." GATR Journal of Business and Economics Review (JBER) Vol. 5 (2) April-June 2020 5, no. 2 (2020): 59–71. http://dx.doi.org/10.35609/jber.2020.5.2(2).

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Objective – Considerable research indicates that during times of prolonged low interest rates, commercial bank lending channels are less effective in conveying the impact of expansionary monetary policies. What is the impact of easy money policy through lending channels of non-banking financial institutions (NBFIs) such as thrift and credit cooperatives (TCCs) and why should this result occur? The objective of this study is to examine the effectiveness of monetary policy through TCC lending channels compared to bank lending channels from 2008 to 2017. Methodology/Technique – Annual data from 5

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Rachida, EL YAMANI. "The impact of stock market development on economic growth in Morocco: An analysis using the VAR approach." International Journal of Accounting, Finance, Auditing, Management and Economics 3, no. 4-1 (2022): 78–93. https://doi.org/10.5281/zenodo.6611955.

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The determination of the factors that can stimulate economic growth has been important, and given the importance of the stock market in economic development, a serval researches are interested in the analysis of the relationship between stock market development and economic growth. The studies have confirmed that the economic growth, in a nation, is positively impacted by the stock market development. As a developing country, Morocco is looking for a development model that will allow it to ensure a durable economic growth. This paper seeks to examine the link between stock market development a

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Haryanto, Sugeng. "Profitability Identification of National Banking Through Credit, Capital, Capital Structure, Efficiency, and Risk Level." Jurnal Dinamika Manajemen 7, no. 1 (2016): 11. http://dx.doi.org/10.15294/jdm.v7i1.5749.

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<p>This study aims to analyze the influence of credit, bank capital, capital structure, efficiency and risk toward the profitability in banking industry. Bank has an important role in the economy in Indonesia in 2014. The purposive sampling technique was used in this study to filter the samples according to several criteria such as being public at least in 2008, and publicly released the financial statement from 2008-2013. The total sample of 25 banks. Multiple regression technique was used in this study to analyze the data. The results show that credit, bank capital, and capital structu

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Kozmenko, Serhiy, Inna Shkolnyk, and Alina Bukhtiarova. "Dynamics patterns of banks evaluations on the basis of Kohonen self-organizing maps." Banks and Bank Systems 11, no. 4 (2016): 179–92. http://dx.doi.org/10.21511/bbs.11(4-1).2016.09.

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In the research, bank patterns analysis is held on the basis of Kohonen self-organizing maps with the aim to determine further directions of bank strategies development under the influence of crisis events in Ukraine’s economy. For model practical approval, the sample of 32 banks was formed, which presents four groups of banks according to the classification determined by the National Bank of Ukraine. While constructing model, 15 indexes were used that characterize bank’s functioning efficiency. As a result of research, cluster ranking was constructed, the groups (powerful banks, stable, probl

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García-Alcober, M. Pilar, Diego Prior, Emili Tortosa-Ausina, and Manuel Illueca. "Risk-taking behavior, earnings quality, and bank performance: A profit frontier approach." BRQ Business Research Quarterly 23, no. 4 (2020): 285–304. http://dx.doi.org/10.1177/2340944420966870.

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After the financial crisis of 2007–2008, some bank performance dimensions have been the subject of debate, two of which are bank efficiency and bank risk-taking behavior. The literature on bank efficiency and productivity has grown considerably over the past three decades, and has gained momentum in the aftermath of the financial crisis. Interest in bank risk-taking behavior, usually focusing on its links to monetary policy, has been relatively low, but has also increased exponentially in more recent years. This article combines these two streams of research. Specifically, we test whether more

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Solaiman, Md Golam, Md Shahnur Azad Chowdhury, Basharat Hossain, Sultana Akter, and Md Kazi Golam Azam. "PREDICTING THE EFFICIENCY OF COMMERCIAL BANKS IN BANGLADESH." International Journal of Accounting & Finance Review 7, no. 1 (2021): 17–30. http://dx.doi.org/10.46281/ijafr.v7i1.1168.

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This paper examines the efficiency of the thirty-six commercial banks (27 Domestic and 9 Foreign Banks) by reviewing Literature and analyzing 6 years (2011-2016) data. The sample was selected based on the availability of data. It is assumed that the banking sector complies with the variable returns to scale (VRS) approach which means the output of a bank is not proportionately related to its inputs. Therefore, VRS in the ‘Data Envelop Analysis (DEA)’ technique has been employed in this paper. The findings reveal that most (30 banks out of 36 banks) of the banks of Bangladesh are inefficient in

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Al Kharusi, Sami, and Eşref Savaş Başci. "Financial institutions performance evaluation in a unique developing market using TOPSIS approach." Banks and Bank Systems 12, no. 1 (2017): 54–59. http://dx.doi.org/10.21511/bbs.12(1).2017.06.

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Using Technique for Order Performance by Similarity to Ideal Solutions (TOPSIS) approach for the data from 2011 to 2015, the authors investigate the financial performance of 16 different financial institutions in Oman that include nine commercial banks, three specialized banks, two investment companies, and two finance companies. They find that the one investment company, Dhofar International Development and Investment Holding Co., was more efficient in 2015 and 2011. Moreover, Oman Housing Bank was more efficient in 2013 and 2014, while Ahli Bank was more efficient in the year 2012. In contra

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Yushko, Igor. "The overall efficiency of the major banks in the global financial instability." Banks and Bank Systems 11, no. 4 (2016): 61–70. http://dx.doi.org/10.21511/bbs.11(4).2016.06.

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The urgency of the issue is due to the change of major banks functioning conditions in accordance with permanent risks, that global financial instability bears, fiscal and monetary regulation enforcement on national financial markets and from the side of supernational institutions of global financial market regulation. The aim of the paper is the research of overall efficiency of the major banks in the global financial instability. The comparative analysis of overall and individual meanings of bank products and services (earnings) sales values, net profit, assets volume, market value of major

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Christaria, Fiola, and Ratnawati Kurnia. "The Impact of Financial Ratios, Operational Efficiency and Non-Performing Loan Towards Commercial Bank Profitability." Accounting and Finance Review (AFR) Vol.1(1) Dec. 2016 1, no. 1 (2016): 43–50. http://dx.doi.org/10.35609/afr.2016.1.1(6).

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Objective - The objective of this paper is to determine the impact of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operational Efficiency proxies by Operational Expense to Operating Income Ratio (BOPO)and Non-Performing Loan (NPL) towards bank profitability proxies by Return on Assets (ROA). Methodology/Technique - Purpose samplingis applied to gather samples of the banking sector that was listed on the Indonesia Stock Exchange for the period of 2012 - 2014. Multiple regression analysis was used to analyse data. Findings - The F test result shows that CAR, LDR, BOPO, and NPL simu

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Buchory, Herry Achmad. "Banking Profitability: How do the banking intermediary, secondary reserve, operational efficiency, and credit risk effect?" GATR Journal of Finance and Banking Review Vol. 8 (2) July - September 2023 8, no. 2 (2023): 85–96. http://dx.doi.org/10.35609/jfbr.2023.8.2(1).

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Objective – A Bank is a financial institution that collects and distributes funds to the public to obtain Profitability. The Covid-19 pandemic has affected the economic sector, especially the banking sector. The intermediation function needs to run optimally, increasing investment in secondary reserves, decreasing operational efficiency, increasing credit risk, and reducing bank profitability. The research aimed to determine the effect of Banking Intermediation, Secondary Reserves, Operational Efficiency, and Credit Risk on Profitability at Regional Development Banks in Indonesia for the 2019

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Korol, M., О. Bazhenova, I. Korol, V. Bazhenov, Yu Yarmolenko, and N. Vasylets. "THE BANKING SYSTEM OF THE UK: ANALYSIS AND MODELLING." Financial and credit activity problems of theory and practice 6, no. 41 (2022): 43–55. http://dx.doi.org/10.18371/fcaptp.v6i41.251390.

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Abstract. The paper deals with the analysis of the banking system of the UK. The UK banking sector is quite diverse, and at the same time oligopolistic. The UK exit from the EU is already having a negative impact on main banking indicators. Uncertainty in the banking sector and among the business community is, definitely, very high. This means that banks will have to work on potential and alternative outcomes, depending on their development. The impact of Brexit on banks and banking in the UK will be determined by both government-level arrangements and the response of individual firms to opera

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Sukmaningrum, Puji Sucia, Kashan Pirzada, Sylva Alif Rusmita, Fatin Fadhilah Hasib, Tika Widiastuti, and Achsania Hendratmi. "Determinants of Islamic Bank Profitability: Evidence from Indonesia." GATR Journal of Finance and Banking Review 5, no. 1 (2020): 1–13. http://dx.doi.org/10.35609/jfbr.2020.5.1(1).

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Objective – Islamic Banks have a distinct advantage that is not only conduct a commercial operation, but to also conduct social operations. Therefore, Islamic Banks plays an important role in developing the Indonesian economy. The aim of this study is to investigate the impact of internal and external factors that affect the profitability of Islamic Banks in Indonesia. Methodology/Technique – The methodology of this research is multiple regression. The object of this research is the Islamic banking industry in Indonesia. Internal factors include size, liquidity, asset quality, management, and

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Hendrawan, Riko, and Azhar A. Nasution. "Assessing Banking Profit Efficiency Using Stochastic Frontier Analysis." Journal of Finance and Banking Review Vol. 3 (4) Oct-Dec 2018 3, no. 4 (2018): 67–76. http://dx.doi.org/10.35609/jfbr.2018.3.4(5).

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Objective - The banking sector plays an important role in the Indonesian economy. The sustainability of the Indonesian banking sector will depend on the ability of every banking institution to maintain their competitiveness. Banking competitiveness is reflected in the level of efficiency of the banking system itself. Methodology/Technique - The purpose of this research is to assess the efficiency of 21 banks on the IDX between 2008-2017 using Stochastic Frontier Analysis. Findings - The findings of this research show a maximum efficiency score of 0.69 and the bank's average score among the res

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Harmanta, Harmanta, M. Barik Bathaluddin, and Jati Waluyo. "INFLATION TARGETING UNDER IMPERFECT CREDIBILITY: LESSONS FROM INDONESIAN EXPERIENCE." Buletin Ekonomi Moneter dan Perbankan 13, no. 3 (2011): 271–306. http://dx.doi.org/10.21098/bemp.v13i3.394.

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This paper try to assess role of credibility in the implementation of inflation targeting framework in Indonesia. It illustrates how credibility may play an important role in the evolution of the Indonesian monetary policy. Knowing the degree of credibility would beneficial for Bank Indonesia (BI) to understand how to adjust policy instrument to achieve a long-term inflation target. Scaled from zero (purely not credible) to one (perfect credibility), our quantitative measurements found that credibility index for Indonesian monetary policy converge to around 0.5. Refer to projection and simulat

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Bashir, Rabia, Muhammad Ahmad, and Sultan Rehman Sherif. "Determining the nexus between Dynamic Working Capital Management and Operational Efficiency in Emerging Southeast Asia." GATR Journal of Finance and Banking Review 9, no. 2 (2024): 49–60. http://dx.doi.org/10.35609/jfbr.2024.9.2(1).

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Objective— The primary aim of this study is to investigate the effect of dynamic working capital (DWC) management on operational efficiency through operating expenses and operating margins across non-financial firms in emerging markets. Methodology/Technique – This study utilized generalized method of moments (GMM) to evaluate a comprehensive dataset of 438 firms from Indonesia, Malaysia and Thailand for the period 2018 to 2023. Findings – DWC is measured study using both cash conversion cycle (CCC) and working capital ratio (WCR). Results show that optimized DWC management reduces operating e

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Tabash, Mosab I., Ali T. Yahya, and Asif Akhtar. "Financial Performance Comparison of Islamic and conventional banks in the United Arab Emirates (UAE)." International Conference on Advances in Business, Management and Law (ICABML) 2017 1, no. 1 (2017): 477–94. http://dx.doi.org/10.30585/icabml-cp.v1i1.39.

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This paper examines the financial performance of Islamic and commercial banks in the United Arab Emirates (UAE). The paper gives an empirical insights and comparisons between the performance of Islamic and conventional banking sectors. The sample of the study consists of 5 fully-fledged Islamic banks and 14 conventional banks working in the UAE under the period 2011-2014. The study uses descriptive analysis, correlation, independent sample t test and multiple regression analysis to assess the performance and to compare between both types of banks. The Return on Assets (ROA) is used as proxy fo

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Khan, Azra, Gulzar Khan, Sadia Safdar, Sehar Munir, and Zubaria Andleeb. "Measurement and Determinants of Inclusive Growth: A Case Study of Pakistan (1990-2012)." Pakistan Development Review 55, no. 4I-II (2016): 455–66. http://dx.doi.org/10.30541/v55i4i-iipp.455-466.

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Equality of opportunity is the core of inclusive growth, and the inclusive growth emphasises to create employment and other development opportunities through rapid and sustained economic growth, and to promote social justice and the equality of sharing of growth results by reducing and eliminating inequality of opportunity. The main objective of the study is to measure the inclusive growth first and then empirically examine its determinants. To measure the inclusive growth, we use the methodology developed by Asian Development Bank using weights and scores of different indicators. We develop a

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Buchory, Herry Achmad. "Anomalies of Banking Intermediation and Profit Growth (Study on the 10 Largest Banks in Indonesia)." GATR Journal of Finance and Banking Review 5, no. 1 (2020): 14–22. http://dx.doi.org/10.35609/jfbr.2020.5.1(2).

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Objective – One of the bank's main goals is to obtain profit mainly from the intermediation process. The implementation of the Indonesian banking intermediary function in the year 2017 is not optimal, as indicated by credit growth in the year 2017 which only reached 8,35%. This phenomenon also occurs in the 10 largest banks in Indonesia. In 2017 the intermediation function has decreased but profits have increased. The aim of this study is to analyze the influence of banking intermediation on profit growth and whether credit quality and operational efficiency affect profit growth. An indicator

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A. Weigand, Robert. "The performance and risk of banks in the U.S., Europe and Japan post-financial crisis." Investment Management and Financial Innovations 13, no. 4 (2016): 75–94. http://dx.doi.org/10.21511/imfi.13(4).2016.07.

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The author compares the performance, growth, asset mix, risk, operational efficiency, profitability and capital holdings of the 20 largest banks in Japan, the U.S. and Europe from 2003-2015. Total revenue for each set of banks has declined by a full 20% since 2011. European banks are in a multiyear downward spiral, evidenced by dramatic declines in market capitalization, the book value of loans and total assets, and the level of deposits. Japanese bank performance is stagnant compared to Europe and the U.S. Both Japanese and European banks are particularly challenged by persistently lower net

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Tymkiv, N., N. Nychkalo, and O. Borodiyenko. "ENSURING PROFESSIONAL LANGUAGE COMPETENCE AS A NECESSARY FACTOR FOR IMPROVING THE EXPERTISE OF FINANCIERS AND BANK EMPLOYEES." Financial and credit activity problems of theory and practice 6, no. 41 (2022): 410–16. http://dx.doi.org/10.18371/fcaptp.v6i41.251469.

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Abstract. The article is aimed at analyzing the impact of globalization challenges to ensure qualitative professional language competence as a necessary factor for improving the expertise of financiers and bank employees to meet requirements and needs of national and regional labour markets. The theoretical importance of the article is that it is analyzed the semantic content of the basic notions connected with professional language competence in the foreign scientific space. The practical importance of the article is that the authors proved experimentally implementing the professional languag

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Hendrawan, Riko, Kristian WA Nugroho, and Gayuh T. Permana. "How Impactful is Telecom Efficiency to Company Stock Value?" Summer 4, no. 2 (2019): 58–63. http://dx.doi.org/10.35609/jfbr.2019.4.2(2).

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Objective – The telecom industry is one of the optimistic industries that is still growing. In South East Asia, between 2008-2017, the number of subscribers increased 10.07% annually, and revenue for the industry grew 6.08% annually. However, Net Profit Margin, EBITDA, and EBIT value during the same period declined at the time revenue amount was increasing. One of the visible health factors and part of the valuation factor is stock value. Hence the research question of this study is: What is the impact and significance of telecom operators’ efficiency to stock value? Methodology/Technique – In

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Romashko, O., I. Zapukhliak, N. Krykhivska, О. Farat, and A. Kalynovskyy. "COMMERCIAL BANKING PERFORMANCE AS PREREQUISITE FOR BUSINESS DEVELOPMENT." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 25–34. http://dx.doi.org/10.18371/fcaptp.v3i38.237416.

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Abstract. The article substantiates the need to improve the performance of banks as one of the prerequisites for the economic development of business entities. To assess the performance of banks, the methodological approaches to such an assessment are generalized and their advantages and disadvantages are analyzed. The ease of use and interpretation of the results obtained has been proved when using the coefficient approach as a tool for assessing the performance of Ukrainian banks. However, in order to mitigate the main drawback of the coefficient methodological approach, which is expressed i

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Arzhevitin, S., B. Stetsenko, I. Okhrymenko, A. Bilochenko, and V. Biloshapka. "MODERN PROBLEMS OF BANK LENDING OF ENTERPRISES OF THE AGRICULTURAL COMPLEX OF UKRAINE." Financial and credit activity problems of theory and practice 4, no. 39 (2021): 50–57. http://dx.doi.org/10.18371/fcaptp.v4i39.238596.

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Abstract. The purpose of the article is to identify the main factors that constrain lending to enterprises of the agro-industrial complex of Ukraine, to suggest ways to improve their lending system. A systematic approach was chosen as the methodological basis of the study, which provides for a comprehensive study of the bank lending system of the agro-industrial complex. Historical and structural-functional approaches were also used in its analysis. Methods of comparative analysis were used to consider some problems of bank lending to the agro-industrial complex. Of the general scientific meth

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Voznyuk, M., O. Pankiv, and R. Bohiv. "FEATURES OF THE INVESTMENT SOURCES ATTRACTING IN THE ENERGY SAVING INFRASTRUCTURE OF UKRAINE." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 125–33. http://dx.doi.org/10.18371/fcaptp.v3i38.237431.

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Abstract. The peculiarities of the investment sources attracting in the energy saving infrastructure of Ukraine are illuminated. The energy saving infrastructure is proposed to be considered in terms of its elements, such as macro-, meso- and micro-level institutions together with the implemented measures. It is proposed to include world, international and European organizations (such as the Energy Community, World Bank, EBRD, NEFCO, etc.) into the macro-level institutions, which together with meso- and micro-level institutions implement programs and strategies to optimize the irrational use o

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Shteingauz, D., A. Kuznyetsova, and D. Achimovich. "FINANCIAL SUPPORT AND EFFICIENCY OF IMPLEMENTATION OF GOVERNMENT HOUSING ACCESSIBILITY PROGRAMS IN UKRAINE." Financial and credit activity problems of theory and practice 5, no. 40 (2021): 178–83. http://dx.doi.org/10.18371/fcaptp.v5i40.244967.

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Abstract. The state of financial support of seven state programs of housing affordability, which currently operate in Ukraine, has been studied and analyzed. As a result, the most effective programs in terms of state aid and the average amount of state aid per recipient were identified. The main significant shortcoming in the implementation of state programs for housing affordability is their constant underfunding from the state budget, which hinders the manifestation of a synergistic positive effect. Deficit of budget funds and restrictions or complete refusal to allocate budget allocations t

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Sari, Maya, Netti Siska N, and S. Sulastri. "Firm Size as Moderator to Capital Structure-Its Determinants Relations." GATR Journal of Finance and Banking Review 4, no. 3 (2019): 108–15. http://dx.doi.org/10.35609/jfbr.2019.4.3(4).

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Objective – Capital structure policy is a strategic decision related to the selection of funding sources. The best mixed of capital structure will produce a low cost of capital, which in turn can maximize the value of the company. This study aims to determine the effect of company size as a moderator on the relationship of capital structure and its determinant factors on manufacturing companies in Indonesia and Malaysia. Methodology – Data were collected from 40 manufacturing companies listed on the Indonesia Stock Exchange and 130 manufacturing companies listed on the Bursa Malaysia during 20

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Mulyantini, Sri. "Building Persistent Financial Performance." Journal of Finance and Banking Review Vol. 4 (1) Jan-Mar 2019 4, no. 1 (2019): 17–28. http://dx.doi.org/10.35609/jfbr.2019.4.1(3).

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Objective - The purpose of this study is to analyze profit persistence and the factors that influence it using secondary data from 39 banks listed on the Indonesian Stock Exchange in the form of pooled data, from 2008 to 2014. Methodology/Technique - This study uses a purposive sampling technique, resulting in a sample of 31 banks. Variable profit persistence of each bank reflects sustainable earnings towards the industry in the future. The model determinant factors of persistence profit were analyzed by normalization models as reference models, average models and growth models as exploration

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Lieonov, S., T. Vasilyeva, S. Mynenko та T. Dotsenko. "BANKING IN DIGITAL AGE: EFFICIENCY OF АNTI-MONEY LAUNDERING SYSTEM". Financial and credit activity: problems of theory and practice 2, № 37 (2021): 4–13. http://dx.doi.org/10.18371/fcaptp.v2i37.229678.

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Abstract. The article is devoted to the problems of the development of a system for combating the legalization of income obtained illegally in the context of digitalization of banking activities. The concept of the effectiveness of the anti-money laundering system was considered. The expediency of using the utility approach for modeling the effectiveness of the system for combating money laundering has been determined. The indicator of the effectiveness of the system of combating money laundering was chosen as the share of indictments sent to the court in the total number of criminal offenses

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Demko, M., N. Kosar, N. Kuzo, and Jo Pochopień. "DEVELOPMENT OF THE MARKETING COMMUNICATIONS OF COMMERCIAL BANKS THROUGH A SEGMENT-ORIENTED APPROACH." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 35–45. http://dx.doi.org/10.18371/fcaptp.v3i38.237417.

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Abstract. In the conditions of fierce competition in the market of banking products, commercial banks should develop measures to attract attention of customers and to develop their loyalty to the banking institution, the develop its brand and to increase its capital. It has been established on the basis of the analysis of secondary marketing information that the bank’s marketing communications play a significant role in this, but it is important to ensure the growth of their efficiency. This can be achieved using a segment-oriented approach to their development. The goal of the present article

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Benenson, Olga. "Application of the Yield Curve Inversion Indicator to Determine the Current Phase of the Stock Market." European Journal of Management Issues 30, no. 4 (2022): 235–42. http://dx.doi.org/10.15421/192221.

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Purpose: To establish the possibility of using the indicator of the inversion of the difference in the yield curve of 10-year and 2-year US Treasury bonds to determine the current phase of the stock market, predict the future direction of market movement and improve the efficiency of managerial investment decisions. Design/Method/Approach: The following methods were used when writing the paper: empirical – to carry out experimental checks of the revealed regularities; graphic - for a visual presentation of research results; systematization and generalization - for generalization of scien

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Ababii, Victor. "BANKING SUPERVISION THROUGH SUPTECH." Innovative economics and management 11, no. 2 (2024): 74–85. http://dx.doi.org/10.46361/2449-2604.11.2.2024.74-85.

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Victor Ababii E-mail: ababii.victor@gmail.com PhD student, Academy of Economic Studies of Moldova Head of Division, Reporting and Statistics Department, National Bank of Moldova Chișinău, Republic of Moldova https://orcid.org/0009-0008-9573-0204 Abstract: The banking system requires continuous development to enhance stability and integrity of the financial sector by implementing the latest technological tools. Maintaining a sustainable financial system, resilient to the shocks generated by the digital age and able to adapt and prevent emerging cyber risks remains a priority for supervisory ins

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Havryliuk, O., O. Yakushev, L. Prodanova, O. Yakusheva, and S. Kozlovs`ka. "DIGITAL BANKING AND E-COMMERCEIN THE CONTEXT OF DIGITALIZATION OF BUSINESS MANAGEMENT." Financial and credit activity problems of theory and practice 5, no. 40 (2021): 4–15. http://dx.doi.org/10.18371/fcaptp.v5i40.244845.

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Abstract. The article considers the growing trends and specifics of digitalization of the banking sector. The main directions of digital transformation and the emergence of new financial market players due to the institutionalization/symbiosis of traditional banks with technology firms are studied. It is noted that this process can have far-reaching and ambiguous consequences and threats, such as moving away from the model of perfect competition and transition to platform-based competition, monopolizing markets by displacing some firms and creating favorable conditions for others, financial an

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Sodoma, R., O. Brukh, T. Shmatkovska, et al. "FINANCING OF THE AGRO-INDUSTRIAL COMPLEX IN THE CONTEXT OF THE IMPLEMENTATION OF INTERNATIONAL EXPERIENCE." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 341–50. http://dx.doi.org/10.18371/fcaptp.v3i38.237465.

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Abstract. The situation on the market of bank crediting of agricultural enterprises is analysed. Have been identified the key reasons for the low efficiency of the current mechanism of lending by banks to the agro-industrial sector. The key shortcomings in the system of financing the enterprises of the agro-industrial complex are revealed. The investment attractiveness in Ukraine is considered and specified in the dynamics by regions. The volumes of financing the activity of agro-industrial enterprises in Ukraine by sources of income are analysed. It is proved that effective financing opens wi

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Hlushchenko, Ya, O. Korohodova, T. Moiseienko, O. Sosnovska, and N. Chernenko. "THE BANKING SECTOR CAPITAL CONSOLIDATION FACTORS IN INDUSTRY 4.0 AND COVID-19 CONDITIONS." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 4–14. http://dx.doi.org/10.18371/fcaptp.v3i38.237414.

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Abstract. The paper is devoted to examination of consolidation factors in the banking sector in the context of Industry 4.0 and the complex global conditions associated with the global pandemic caused by COVID-19. The authors determine that the processes of consolidation in the banking sector were especially intensified in the XX century. The impetuses for this were namely the consolidation of industrial capital and expanding capacity of global markets, the growth of multinational corporations, the need to increase market capitalization of banks to expand lending capacity, increasing competiti

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RAHMAT, DISMAN, NUGRAHA, and PUTERA WASPADA IKA. "THE INFLUENCE OF INTELLECTUAL CAPITAL AND MARKET SHARE ON BANK EFFICIENCY." 17, no. 08 (2022): 794–805. https://doi.org/10.5281/zenodo.6985030.

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<strong>Abstract</strong> Bank efficiency is an important aspect in the development of banks in Indonesia. Several previous literatures indicate differences in research results on the effect of intellectual capital and market share on bank efficiency. This research aims to find the influence of intellectual capital and market share on bank efficiency in developed countries, emerging markets, and Indonesia. This research uses descriptive methods and causality. The unit of analysis in this study was commercial banks, thus the population of this study was commercial banks, both conventional comme

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