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Journal articles on the topic 'Bank financial stability'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Liyanagamage, Champika. "Determinants of Financial Sustainability of Financial Intermediaries." International Journal of Finance & Banking Studies (2147-4486) 10, no. 1 (2021): 01–10. http://dx.doi.org/10.20525/ijfbs.v10i1.996.

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This paper provides interesting insights into the practices of banks and institutional setting in Sri Lanka. The sustainability and stability of banks that makes up an economy’s banking system should be sound at all time. This paper aimed at analyzing the determinants of banking sector stability in Sri Lanka. The study used a broad set of macro and bank level data covering 22 commercial banks for the period 1996-2016. The fixed effect GLS panel data model tested in this paper sets the relationship between bank stability measure; Z-score and business environment which includes bank characterist

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Goodhart, C. A. E. "Financial Regulation, Credit Risk and Financial Stability." National Institute Economic Review 192 (April 2005): 118–27. http://dx.doi.org/10.1177/002795010519200111.

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In contrast to recent successful developments in macro monetary policies, the modelling, measurement and management of systemic financial stability has remained problematical. Indeed, the focus of most effort has been on improving individual, rather than systemic, bank risk management; the Basel II objective has been to bring regulatory bank capital into line with the (sophisticated) banks‘ assessment of their own economic capital. Even at the individual bank level there are concerns over (i) appropriate diversification allowances, (ii) differing objectives of banks and regulators, (iii) the n

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Mishi, Syden, and Sibanisezwe Alwyn Khumalo. "Bank stability in South Africa: what matters?" Banks and Bank Systems 14, no. 1 (2019): 122–36. http://dx.doi.org/10.21511/bbs.14(1).2019.11.

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The study examined the determinants of bank stability within the South African banking sector. By controlling for individual bank characteristics and market characteristics, the study determined possible determinants of solvency, a proxy for bank stability, measured by z-score within the South African financial sector. The South African financial sector is highly concentrated but with a significantly large number of banks, the greater portion being foreign owned banks. The business models of some of the financial intermediaries differ from the big four and therefore the influence of the type o

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Antony, Atellu, Muriu Peter, and Sule Odhiambo. "The Role of Banking Concentration on Financial Stability." International Journal of Economics and Finance 13, no. 6 (2021): 103. http://dx.doi.org/10.5539/ijef.v13n6p103.

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Globally, financial instability is a major source of concern among policy makers and bank regulators, particularly after the 2007-09 global financial crisis. Motivated by inconsistent theoretical evaluations on the impact of bank concentration on the likelihood of a systemic banking crisis, this paper investigates the role of bank concentration on financial stability in Kenya with competition as an intervening variable. The novelity of this study lies on the use of structural equation modeling (SEM) in the analysis of direct and indirect effects of bank concentration on financial stability. Re

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My, Sang Tang, and Anh Nguyen Quoc. "The Relationship between Credit Risk and Bank Financial Stability: The Mediating Role of Bank Profitability." Journal of Hunan University Natural Sciences 49, no. 1 (2022): 263–71. http://dx.doi.org/10.55463/issn.1674-2974.49.1.32.

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This study aims to investigate the influence of credit risk on bank financial stability of Vietnamese commercial banks, understanding the impact channels and patterns of Vietnamese commercial banks in particular by proposing implications for solutions to reduce credit risks and promote financial stability for banks. We employed the POOL, FEM, REM, GMM techniques, and Monte Carlo approach and used secondary data collected from 2005 to 2019. The findings reveal a direct relationship between bank credit risk, profitability, and bank financial stability, as well as a partly indirect association. T

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Awalia, Resky, Farida Titik Kristanti, and Dwi Fitrizal Salim. "The Influence of Financial Technology on Banking Financial Stability." International Journal of Religion 5, no. 11 (2024): 6640–50. http://dx.doi.org/10.61707/1kb67b37.

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The banking industry is so important in the country's economy that it can be said to be the backbone of the economy because it can affect the stability and growth of the economy as a whole. From 2018 through 2022, the Z-Score value of banking businesses listed on Bursa Malaysia and the Indonesia Stock Exchange (IDX) indicates the financial stability of these companies. Banking companies in Indonesia obtained an unstable Z-Score value from 2018 to 2022 and had experienced a decline in 2019. Meanwhile, banks in Malaysia obtained Z-Score values that continued to increase from 2018 to 2022. This c

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Chitombo, Ezekiel, and Tough Chinoda. "The Interplay between Digital Financial Inclusion, Bank Stability and Economic Growth in Zimbabwe." International Journal of Research and Innovation in Social Science VIII, no. II (2024): 929–45. http://dx.doi.org/10.47772/ijriss.2024.802066.

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The aim of this study is to investigate the digital financial inclusion, bank stability and economic growth nexus in Zimbabwe over the period 2014 to 2022. The results of the Ordinary Least Squares (OLS) estimation model reveals that digital financial inclusion and bank stability significantly affects economic growth in Zimbabwe. The findings also reveals a positive relationship between bank competition and digital financial inclusion and also between bank stability and digital financial inclusion suggesting that digital financial inclusion enhances the soundness of individual banks in Zimbabw

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8

Gumanica, Meginta. "Analisis Pengaruh Kompetisi, Capital Buffer, Inklusi Keuangan, dan Ukuran Bank terhadap Stabilitas Perbankan di Indonesia." Contemporary Studies in Economic, Finance and Banking 1, no. 2 (2022): 283–97. http://dx.doi.org/10.21776/csefb.2022.01.2.09.

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Apart from being an intermediary institution in the economy, banks also play a role in carrying out the transmission function. Therefore, a stable banking system is needed to stimulate the economy and maintain financial system stability to anticipate financial crises. This study investigates the effects of competition, capital buffer, financial inclusion, and bank size on Indonesia's banking system's stability between 2015-2020. This study uses the panel data regression method. The results show that the banking sector supports the competition-fragility hypothesis, which means that a low level

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Khanal, Bandana. "Bank Competition and Financial Stability in Nepal." Journal of Corporate Finance Management and Banking System, no. 43 (April 5, 2024): 38–49. http://dx.doi.org/10.55529/jcfmbs.43.38.49.

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This paper examines the casual relationship between bank competition and financial stability in Nepal. The relationship between competition and financial stability in banking system can be explain by two hypothesis: The "competition-fragility" theory holds that increased bank competition weakens profit margins, undermines market power, and lowers franchise value—the continuing concern or market worth of the banks above their book values and “competition-stability” view contends that financial institution stability may benefit from competition. The study used descriptive and causal research des

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Anjom, Washeka, and Abu Taher Mohammad Omor Faruq. "Financial Stability Analysis of Islamic Banks in Bangladesh." European Journal of Business and Management Research 8, no. 3 (2023): 320–26. http://dx.doi.org/10.24018/ejbmr.2023.8.3.1953.

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The paper intends to examine the key factors of financial stability of listed Shariah-based Islamic Banks of Bangladesh for a period of 2009 to 2019. Z-score is used here as a proxy for financial stability measurement, with independent variables including bank-specific, bank industry-specific, and macroeconomic factors. Bank specific determinants are nonperforming investment, bank size, capital adequacy, return on equity, earnings, liquidity and management efficiency. Development in the banking sector is a factor that is unique to the banking industry, while GDP and inflation are macroeconomic

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Koziuk, Viktor. "Central Bank Independence and Financial Stability: Orthodox and Heterodox Approaches." Visnyk of the National Bank of Ukraine, no. 239 (March 29, 2017): 6–27. http://dx.doi.org/10.26531/vnbu2017.239.006.

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This study argues that post-crisis discussions on central bank independence are less about a choice of a level of independence but more about a relation between the independence and the central bank mandate in financial stability. An offered hypothesis states that an increasing role of financial factors in the macroeconomic policy agenda has led to emerging of two approaches to the central bank independence. Within the orthodox approach, responsibility for the financial stability is a challenge to the accepted model: one mandate – one goal – one instrument. Interference into the financial cycl

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Damrah, Sadeq, Mohammad I. Elian, Mohamad Atyeh, Fekri Ali Shawtari, and Ahmed Bani-Mustafa. "A Linear Mixed Model Approach for Determining the Effect of Financial Inclusion on Bank Stability: Comparative Empirical Evidence for Islamic and Conventional Banks in Kuwait." Mathematics 11, no. 7 (2023): 1698. http://dx.doi.org/10.3390/math11071698.

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Recently, financial inclusion and bank stability have gained attention among researchers, particularly since the 2008 global financial crisis. This study investigates how financial inclusion may have influenced bank stability given differences in banks’ structure based on operating principles (Islamic and conventional banks) during the period of 2003–2017, using Kuwait as a high-income economy case. The current paper assesses how bank stability responds to financial inclusion. This work adopts a Linear Mixed Model (LMM), which tracks variables over time while considering other time-invariant v

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Kharabsheh, Buthiena, and Omar Khlaif Gharaibeh. "Determinants of Banks’ Stability in Jordan." Economies 10, no. 12 (2022): 311. http://dx.doi.org/10.3390/economies10120311.

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This paper aims to examine the determinants of financial stability in Jordanian commercial banks based on annual data for the period from 2011 to 2018. Based on the pooled effect model, this study shows that SME loans and capital adequacy positively and statistically affect the stability of Jordanian commercial banks, while financial inclusion, liquidity risk and credit risk negatively and statistically affect the stability of Jordanian commercial banks. The study recommends increasing the directing of bank loans towards small and medium enterprises, and the necessity for bank managers to comm

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Singh, Shikha, and Mandira Sarma. "Financial Structure and Stability: An Empirical Exploration." Journal of Central Banking Theory and Practice 9, s1 (2020): 9–32. http://dx.doi.org/10.2478/jcbtp-2020-0021.

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AbstractThis paper attempts to investigate empirically whether financial and macroeconomic stability of economies are significantly affected by the structure of their financial systems, viz., bank-based and market-based structures. Using panel data estimations based on data from 82 countries for the period of 1996-2012, we find that in general, bank-based financial system contributes significantly to instability of the financial sectors and currency market. We also find some evidence that within the bank-based structure, higher presence of foreign banks is positively associated with currency m

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Sanderson, Abel, Leward Jeke, Robson Manenge, Julius Mukarati, and Pierre Le Roux. "Bank Stability and Its Determinants in the SADC Region." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 22 (May 30, 2025): 1121–32. https://doi.org/10.37394/23207.2025.22.92.

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Financial stability is a state in which the financial system, which consists of the financial markets and the institutional framework supporting the financial sector, is resilient to economic shocks. The banking sector is the most significant component of the financial system, contributing significantly to macroeconomic, company, and industry growth. The objective of the current study is to evaluate bank stability and its determinants among SADC banks. The study established that bank stability in the SADC region is positively determined by bank size, profitability, and technical efficiency. Fu

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Samorodov, Borys, Galyna Azarenkova, Olena Golovko, Kateryna Oryekhova, and Maksym Babenko. "Financial stability management in banks: strategy maps." Banks and Bank Systems 14, no. 4 (2019): 10–21. http://dx.doi.org/10.21511/bbs.14(4).2019.02.

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To prevent crises in the economy, it is necessary to ensure the financial stability of banks, which is one of the main tasks facing the banking system.The purpose of this article is to develop tools for improving the efficiency of financial stability management in a bank based on strategy maps.Using UkrSibbank (Ukraine) as an example, two strategy maps are developed: a general management map and a local map – for the international payments division of the operational payments department. Structural elements of the designed strategy maps are: finances, clients, internal processes, training and

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Khemiri, Mohamed Ali. "Financial Inclusion and Bank Stability in the MENA Region: What Role Does Institutional Quality Play?" International Journal of Applied Economics, Finance and Accounting 22, no. 1 (2025): 40–56. https://doi.org/10.33094/ijaefa.v22i1.2238.

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This paper has three main objectives. First, it explores how financial inclusion (FI) affects the stability of banks. Second, it examines the influence of institutional quality (IQ) on bank stability. Third, it analyzes whether IQ mediates the relationship between financial inclusion and bank stability. The Middle East and North Africa (MENA) region’s 68 conventional banks are the sample used in the study, which spans the years 2005–2020. For a more in-depth analysis, the MENA region is divided into two sub-regions: 33 banks in Gulf Cooperation Council (GCC) countries and 35 banks in non-GCC c

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18

Ariyibi, Mayowa Ebenezer, Taofeek Osidero Agbatogun, and Kenny Ade Soyemi. "BANK COMPETITION AND FINANCIAL STABILITY IN NIGERIA." Jurnal Ekonomi dan Bisnis Airlangga 34, no. 2 (2024): 284–300. https://doi.org/10.20473/jeba.v34i22024.284-300.

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Introduction: The study examined the impact of bank competition on the financial stability of selected deposit money banks in Nigeria. The study employed panel data (secondary data) that was collected from 2019 to 2023 (both years inclusive). Methods: The panel regression analysis was employed to determine the relationship between the outcome variables and explanatory variable, taking decisions from the Huasman test. Results The findings of the study from objective one revealed that the Herfindahl-Hirchman loan Index has a positive significant effect on capital adequacy ratio along with divers

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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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Ramskyi, Andrii, and Inna Budnichenko. "FINANCIAL STABILITY OF A BANK - FACTOR OF STABILITY OF BANKING SYSTEM." Європейський науковий журнал Економічних та Фінансових інновацій, no. 2 (November 6, 2018): 5–11. http://dx.doi.org/10.32750/2018-0201.

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The article is devoted to the analysis of the financial stability of Ukrainian banks at the present stage of development and the identification of the main factors of influence that are associated with it. The main tendencies of development of the banking system of Ukraine are considered. The present state of the banking system of Ukraine is determined. Financial stability plays a significant role in planning the activities of commercial banks. In general, its indicators reflect the level of riskiness of the functioning of the entity of the banking system. Managing financial sustainability has

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Alsulmi, Fatima, Rosli Mahmood, and Resul Sapar. "The Effects of Credit, Liquidity, and Operational Risks on GCC Bank Financial Stability: Moderating Role of Board Size." Advances in Social Sciences Research Journal 11, no. 11 (2024): 191–207. https://doi.org/10.14738/assrj.1111.17840.

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This paper examined the impact of three types of bank risk: credit, liquidity, and operational risk on bank financial stability. It also examined the moderating role of board size and board frequency meetings. It also investigated the macroeconomic factors such as GDP growth and inflation and their influence on bank financial stability. A sample of listed banks in GCC stock exchanges from 2014 to 2022 using a panel data analysis. The findings highlighted that credit and operational risk significantly impact a bank's financial stability, but liquidity risk is unrelated to the bank's financial s

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Kurnia, Rahmat, Hilmy Baroroh, Riska Fauziah Hayati, Haura Hazimah Melzatia, and Rakotoarisoa Maminirina Fenitra. "Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability." EKONOMIKA SYARIAH : Journal of Economic Studies 8, no. 1 (2024): 1–16. https://doi.org/10.30983/es.v8i1.8082.

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The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, uti

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Xu, TengTeng, Kun Hu, and Udaibir Das. "Bank Profitability and Financial Stability." IMF Working Papers 19, no. 5 (2019): 1. http://dx.doi.org/10.5089/9781484390078.001.

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Goldstein, Itay, Alexandr Kopytov, Lin Shen, and Haotian Xiang. "Bank heterogeneity and financial stability." Journal of Financial Economics 162 (December 2024): 103934. http://dx.doi.org/10.1016/j.jfineco.2024.103934.

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Berger, Allen N., Leora F. Klapper, and Rima Turk-Ariss. "Bank Competition and Financial Stability." Journal of Financial Services Research 35, no. 2 (2008): 99–118. http://dx.doi.org/10.1007/s10693-008-0050-7.

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Tabak, Benjamin M., Dimas M. Fazio, Karine C. de O. Paiva, and Daniel O. Cajueiro. "Financial stability and bank supervision." Finance Research Letters 18 (August 2016): 322–27. http://dx.doi.org/10.1016/j.frl.2016.05.008.

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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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Nguyen, Tuan Hai. "Competition, economic freedom and bank stability: Evidence from ASEAN." Journal of Infrastructure, Policy and Development 8, no. 9 (2024): 6548. http://dx.doi.org/10.24294/jipd.v8i9.6548.

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This study examines how economic freedom and competition affect bank stability. We use data from 70 ASEAN-4 banks from 2007 to 2019 using the system generalized technique of moments. Results corroborate competition-fragility hypothesis. Market strength (or less competition) can boost bank stability. However, in the ASEAN-4 area, competition and bank stability have a non-linear relationship, suggesting that bank stability may decline after market strength exceeds a threshold. Financial and economic freedom also boosts bank stability. This implies banks in free financial and economic contexts ar

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Jan, Dr Dawood, Farah Arzu, Muhammad Jabbar Khan, and Dr Shams Ur Rahman. "Risk dynamics and financial stability in GCC banks: The moderating role of efficiency." Social Sciences Spectrum 4, no. 1 (2025): 710–22. https://doi.org/10.71085/sss.04.01.252.

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The current study investigates the ingenious and exogenous factors of Gulf Cooperation Council (GCC) listed banks' financial stability with the moderating role of efficiency from 2015 to 2024. The study used the GMM model on panel data that show credit risk is positive and significantly related to financial stability. The moderating variable bank efficiency strengthens the positive impact of credit risk management on financial stability. The opposing but insignificant relationship indicates that bank efficiency does not significantly moderate the relationship between liquidity risk and financi

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Icard, André. "Les banques centrales, la Banque des règlements internationaux et la stabilité financière." Revue française d'administration publique 92, no. 1 (1999): 651–59. http://dx.doi.org/10.3406/rfap.1999.3342.

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Central Banks, the Bank for International Settlements and Financial Stability ; One of the rôles of central banks is to watch over financial stability. At the level of central banks there exists a sériés of bodies regulating financial stability, including the Bank for International Settlements, which groups together représentatives of the central banks of the G 10 countries plus those of the Swiss central bank. Three committees are charged respectively with watching over the stability of banking institutions, the development of international capital markets and the systematic risks associated

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Basaran-Brooks, Bahriye. "Money laundering and financial stability: does adverse publicity matter?" Journal of Financial Regulation and Compliance 30, no. 2 (2021): 196–214. http://dx.doi.org/10.1108/jfrc-09-2021-0075.

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Purpose Already suffering reputational damage from the global financial crisis, banks face a further loss of trust due to their poor money laundering (ML) compliance practices. As confidence-driven institutions, the loss of reputation stemming from inadequate compliance with regulations and policies labels banks as facilitators of crime and destroys public trust both in the bank itself, peer banks and the wider banking system. Considering the links between financial stability and adverse publicity about banks, this paper aims to critically examine the implications of ML-specific bank informati

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Khabibullina, Ilvina I., Dina N. Askarova, Firuza D. Safina, and Olga V. Dyudina. "ASSESSMENT OF FINANCIAL STABILITY OF REGIONAL CREDIT INSTITUTIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5/11, no. 158 (2025): 86–93. https://doi.org/10.36871/ek.up.p.r.2025.05.11.012.

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The article analyzes the financial stability of regional credit institutions in the context of increased instability of financial markets and increased external economic risks. Three banks of the Republic of Tatarstan are considered as objects of research.: PJSC AK BARS BANK, LLC KBER Bank of Kazan and JSC TATSOTSBANK. The aim of the work is to conduct a comparative analysis of their financial stability for the period 2021-2024. It has been established that PJSC AK BARS BANK demonstrates sustainable development and high profitability, while KBER Bank of Kazan LLC is characterized by stable but

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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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Arebo, Mohammed, Filmon Hando, and Andualem Mekonnen. "Financial inclusion and stability in Ethiopia using bank-level data: A two-step system GMM estimation." F1000Research 13 (November 15, 2024): 1369. http://dx.doi.org/10.12688/f1000research.158461.1.

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Background This paper examines the impact of financial inclusion on bank stability within Ethiopian context, using panel data from 17 commercial banks over the period 2015-2023. Given the scarcity of research focused on the relationship between financial inclusion and bank stability in Ethiopia, this paper seeks to address a crucial gap by analyzing both conventional and digital aspects of financial inclusion in relation with bank stability. Methods A two-stage principal component analysis (PCA) was conducted to construct a composite financial inclusion index, integrating 10 conventional and 5

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Trofimova, Iuliya, Aidar Mambetkaziyev, Galina Konopyanova, Marina Kozlova, and Yevgeniy Varavin. "Enhancing the methods used to evaluate the competitiveness of commercial banks." Journal of Eastern European and Central Asian Research (JEECAR) 11, no. 3 (2024): 424–38. http://dx.doi.org/10.15549/jeecar.v11i3.1418.

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Scientific novelty of this study is determined by the fact that the assessment of the bank's competitiveness is carried out in the context of financial stability. In international financial organisations (which include banks), the financial stability of a bank is understood as an effective ability to distribute financial resources, ensure financial risk management (which is what banks do). This approach to determining the financial stability of a bank is also used in the study – the essence of financial stability reflects the state of financial resources and the degree of their use. Consequent

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VERHUN, A.M., and Y.S. STEFASHYNA. "Financial stability assessment of Ukrainian leading banks." Market Relations Development in Ukraine №9(232)2020 144 (November 24, 2020): 21–32. https://doi.org/10.5281/zenodo.4288595.

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The subject of the research is the theoretical and methodological principles and applied guidelines of the problems of forming the financial stability of banks in the modern context. The aim of the article is to generalize theoretical developments and research in the dynamics of financial stability of banks of different forms of ownership. Research methods. The methodological basis for the study are the fundamental guidelines of economics on the financial stability of banks, including the theory of banking firms, thorough scientific works of economists, critical reflection on the works of mode

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Yudaruddin, Rizky. "Bank Concentration and Stability in Central Asia: The Effect of Capital Regulation and Financial Freedom." Journal of Eastern European and Central Asian Research (JEECAR) 9, no. 2 (2022): 206–16. http://dx.doi.org/10.15549/jeecar.v9i2.733.

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In this study, the interrelation between bank concentration and stability is examined, focusing on the joint impact of capital regulation and financial openness. Using the data from the Global Financial Development Database provided by the World Bank and the Index of Financial Freedom from The Heritage Foundation and The Wall Street Journal, a sample of five countries in Central Asia was obtained, specifically during 1993-2017. The results show that the relationship between bank concentration and stability supports the concentration-stability hypothesis. Moreover, higher concentration and well

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Timothy Okoli, Tochukwu. "Financial technology adoption and bank stability among African economies: Is the relationship monotonic?" Investment Management and Financial Innovations 21, no. 4 (2024): 385–99. https://doi.org/10.21511/imfi.21(4).2024.31.

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Many researchers attribute the vulnerability of African banks to poor innovation and technology adoption in the continent. While many studies suggest that Fintech adoption can mitigate instabilities/risks, this study argues that adopting Fintech brings both challenges and opportunities. Consequently, the study examines a monotonic connection between Fintech and bank stability in a panel of 26 African economies from 2004 to 2021. After measuring bank stability with the bank Z-score, the Principal Component Analysis (PCA) was employed to generate an index of Fintech using various digital payment

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López-Penabad, Maria Celia, Ana Iglesias-Casal, and José Fernando Silva Neto. "Competition and Financial Stability in the European Listed Banks." SAGE Open 11, no. 3 (2021): 215824402110326. http://dx.doi.org/10.1177/21582440211032645.

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The analysis of the relationship between bank competition and financial stability remains a controversial issue and widely discussed in the academic and political community. Using a sample of 117 listed banks in 16 European countries for the years 2011 to 2018, the article explores the impact of market power, measured by the Lerner index, on the bank stability, measured by distance-to-default and Z score. Our results show that for the overall sample, higher market power in banking decreases the risky behavior of banks, confirming the “competition-fragility” view. We do not find any support for

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Muhammad Ridho Akmal, Muhammad Iqbal Pribadi, and Rahman Anshari. "Pengaruh Ukuran Perusahaan dan Risiko Kredit terhadap Stabilitas Keuangan Bank di Indonesia Periode 2019-2023." GEMILANG: Jurnal Manajemen dan Akuntansi 5, no. 2 (2025): 766–82. https://doi.org/10.56910/gemilang.v5i2.2570.

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This study aims to analyze the influence of company size and credit risk on bank financial stability in Indonesia during 2019-2023. This study used a quantitative approach with panel data regression and a sample of 235 bank-observations from 25 commercial banks and 24 regional development banks. The Fixed Effect Model (FEM) and Generalized Least Squares (GLS) methods were used to address autocorrelation problems. The results show that both company size (SIZE) and credit risk (NPL) have a significant and negative influence on bank financial stability (Zscore). In other words, greater bank size

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Anh, Nguyen Quoc, and Duong Nguyen Thanh Phuong. "The impact of credit risk on the financial stability of commercial banks in Vietnam." HO CHI MINH CITY OPEN UNIVERSITY JOURNAL OF SCIENCE - ECONOMICS AND BUSINESS ADMINISTRATION 11, no. 2 (2021): 67–80. http://dx.doi.org/10.46223/hcmcoujs.econ.en.11.2.1421.2021.

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This study investigates the impact of credit risk on the financial stability of Vietnamese commercial banks. The paper uses the Z-score to proxy the financial stability of banks. We use the data of 27 Vietnamese commercial banks on BankScope, during 2010 - 2019. The paper applied a dynamic panel data approach; the selected method is the difference GMM (DGMM). The key question discussed is which factor impacts on Z-score. Analysis results show the negative effect of non-performing loans on the financial stability of banks. When commercial banks have higher non-performing loans, the lower the fi

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Özyıldırım, Süheyla. "Intermediation Spread, Bank Supervision, and Financial Stability." Review of Pacific Basin Financial Markets and Policies 13, no. 04 (2010): 517–37. http://dx.doi.org/10.1142/s0219091510002050.

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This paper models the effect of bank competition and deposit insurance premiums on the spread between lending and deposit rates. In developing economies, low spreads do not always indicate bank efficiency; they may be the result of high risk taking. This paper shows that imposing upper and lower limits on banks' spreads and adjusting deposit insurance premiums when violation of these limits occurs leads to a more stable but relatively large intermediation costs. In developing economies, such an outcome would be considered more desirable because it insulates existing financial intermediaries an

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Duwi Ira Setianti and Slamet Haryono. "Product Market Competition, Financial Leverage, Risk of Financing on Financial Stability: Studies on Islamic Banks in Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 10, no. 4 (2023): 365–76. http://dx.doi.org/10.20473/vol10iss20234pp365-376.

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ABSTRACT This study aims to explain and analyze the effect of product market competition, financial leverage, and risk of financing on the stability of Islamic banks in Indonesia in 2018-2022. The sampling technique used is Islamic banks listed on the Indonesia Stock Exchange. Source of data obtained from the annual report of each bank. The analytical method used is panel regression analysis with Eviews 10 software with the Common Effect Model (CEM) model as the best model. The variables used consist of product market competition (PCM), financial leverage (DER proxy), and financing risk (NPF p

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Wang, Rui, and Hang (Robin) Luo. "Does Financial Liberalization Affect Bank Risk-Taking in China?" SAGE Open 9, no. 4 (2019): 215824401988794. http://dx.doi.org/10.1177/2158244019887948.

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This article examines the effect of financial liberalization on bank risk-taking, using bank-level data of 169 Chinese banks from 2000-2014. Empirical results show that bank stability increases with the development of financial liberalization. We also provide evidence indicating that banks with larger size, longer operating periods, and state ownership are more salient with the development of financial liberalization. However, such positive effects of financial liberalization on bank stability may be weakened by worse macroenvironment gauged by low economic growth, poor law enforcement, and in

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CACCIOLI, FABIO, THOMAS A. CATANACH, and J. DOYNE FARMER. "HETEROGENEITY, CORRELATIONS AND FINANCIAL CONTAGION." Advances in Complex Systems 15, supp02 (2012): 1250058. http://dx.doi.org/10.1142/s0219525912500580.

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We consider a model of contagion in financial networks recently introduced in Gai, P. and Kapadia, S. [Contagion in financial networks, Proc. R. Soc. A466(2120) (2010) 2401–2423], and we characterize the effect of a few features empirically observed in real networks on the stability of the system. Notably, we consider the effect of heterogeneous degree distributions, heterogeneous balance sheet size and degree correlations between banks. We study the probability of contagion conditional on the failure of a random bank, the most connected bank and the biggest bank, and we consider the effect of

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Himmah, Nuzulia Faiqotul, and Ulfi Kartika Oktaviana. "Pengaruh Manajemen Risiko dan Financial Technology Terhadap Stabilitas Bank Syariah Dengan Kompetisi Bank Sebagai Variabel Moderasi." Jambura Economic Education Journal 7, no. 2 (2025): 622–36. https://doi.org/10.37479/jeej.v7i2.29633.

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This study aims to analyze the effect of bank competition, risk management, and financial technology on the stability of Islamic banks in Indonesia during the period 2011–2023, by making bank competition a moderating variable. The method used is quantitative through panel data regression analysis on six Islamic banks that meet the research criteria. Data were obtained from the annual report of the Financial Services Authority (OJK) and analyzed using EViews 12. The results of the study indicate that risk management and financial technology have a significant effect on the stability of Islamic

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Yehorycheva, Svitlana, and Oksana Vovchenko. "Financial Stability of Banks and Its Monitoring in Ukraine." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 4(79) (December 28, 2020): 69–77. http://dx.doi.org/10.26906/eir.2020.4(79).2166.

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The concept of financial stability of banks as a complex and multifaceted category, the content of which is constantly enriched, has been developed. Approaches to determining the financial stability and financial stability of banks, in particular, are considered. It is noted that modern operational, functional, institutional, technological features of banks cannot but affect the content of their financial stability and update the mechanisms for its ensuring. Emphasis is placed on the need for early adaptation of banking institutions to objective transformations of the economic environment thro

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Kinyua, Daisy Wairimu, and Job Omagwa. "Financial Inclusion and Bank Stability of Commercial Banks Listed in Nairobi Securities Exchange, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 1 (2020): 64–81. http://dx.doi.org/10.35942/ijcfa.v2i1.113.

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Following the global financial crisis of 2007-2009, policy makers, regulators and financial institutions have heavily invested in initiatives and reforms aimed at improving the financial stability of the banking sector. However, despite these initiatives, many of the listed commercial banks in the recent past have continued to report dismal performance. Additionally, the stability levels of the banks remain low despite implementation of financial inclusion policies which raises concern. The study sought to determine the effect of financial inclusion on bank stability of Commercial banks listed

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Rashid, Abdul, Saba Yousaf, and Muhammad Khaleequzzaman. "Does Islamic banking really strengthen financial stability? Empirical evidence from Pakistan." International Journal of Islamic and Middle Eastern Finance and Management 10, no. 2 (2017): 130–48. http://dx.doi.org/10.1108/imefm-11-2015-0137.

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Purpose This paper aims to empirically assess the contribution of Islamic banks toward the financial stability of Pakistan. For this, the authors investigate the relative financial strength of Islamic banks and their contribution toward the financial stability. They also examine the relationship between the competitive conduct of banks and banking system stability. Design/methodology/approach The authors use quarterly data of ten conventional banks, four full-fledged Islamic banks and six standalone Islamic branches of conventional banks of Pakistan for the period 2006-2012. The z-score has be

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Zamzam, Hassan Mohamed. "The Effectiveness of Monetary Policy on the Financial Stability of the Commercial Banks in Somalia." International Journal of Innovative Science and Research Technology 7, no. 1 (2022): 107–11. https://doi.org/10.5281/zenodo.5879048.

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The purpose of this study is to look into the impact of Somalia's monetary policy on the financial stability of the country's commercial bank and to determine the impact of Open Market Operations on the financial stability of Somalia's commercial banks. This study's goal is to investigate the impact of Somalia's central bank interest rate on commercial bank stability, as well as to analyze the impact of reserve ratio requirements on Somali commercial banks' financial stability, and also the impact of internal and macroeconomic factors on Somali commercial banks' fin

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