Relevant bibliographies by topics / Bank profits

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Bank profits'

Author: Grafiati
Published: 4 June 2021
Last updated: 23 February 2023

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Journal articles on the topic "Bank profits"

1

Tregenna, Fiona. "The fat years: the structure and profitability of the US banking sector in the pre-crisis period." Cambridge Journal of Economics 33, no. 4 (July 1, 2009): 609–32. http://dx.doi.org/10.1093/cje/bep025.

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Abstract Bank profitability in the USA was extremely high in the pre-crisis period, yet this did not prevent the current crisis. It has become clear that these profits were on shaky grounds and also that bank profits were not used to buttress banks’ capital bases. This paper analyses the effects of structure on profitability from 1994 to 2005. Bank-level panel data are used to test the effects of concentration, market power, bank size and operational efficiency on profitability. Efficiency is not found to be a strong determinant of profitability, suggesting that banks’ high profits during this period were not ‘earned’ through efficient performance. Robust evidence is found that concentration increases bank profitability. This holds even when the largest banks are excluded from the sample, suggesting that the relationship between concentration and profitability acts in a generalised structural way and that the higher profits arising from concentration are at the expense of the rest of the economy. The analysis points to various policy implications relevant to the current crisis, in particular in terms of the legitimacy of expectations of the restoration of pre-crisis profit rates and the need for much stronger regulation of the banking sector, especially in terms of the structure of the sector, pricing behaviour and use of profits.
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2

De Jager, Phillip. "For banks, fair value adjustments do influence dividend policy." Southern African Business Review 19 (February 26, 2019): 157–90. http://dx.doi.org/10.25159/1998-8125/5812.

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5Most researchers who investigate the interplay between fair value accounting (FVA) and the financial crisis look at the time period during the crisis. This paper investigates a potential role for FVA prior to the crisis: If FVA led to increased accounting profits with the recognition of transitory gains through profit and loss during the boom, and if those increased profits provided the rationale for increased dividends, then bank capital became riskier prior to the crisis, and this would have made the system more prone to failure. A study by Goncharov and Van Triest (2011) found no empirical support for an increase in dividends in response to unrealised positive fair value adjustments to income. In contrast, when the setting is limited to only South African banks, this paper finds that South African banks did pay dividends from unrealised transitory gains. This finding is based on a combination of three strands of evidence: a panel regression of the annual dividends declared by the large South African universal banks that showed that those banks probably ignored the unrealised nature of FVA profits when dividends were determined; monthly data from the total South African bank system in a co-integrated regression that showed that unrealised fair value profits from the banking book raised the average level of bank profits materially; and simple descriptive statistics on distributions that showed that South African banks distributed a greater proportion of profits during the critical period of 2004 to 2008 when unrealised fair value profits from the banking book raised the level of bank profits. The finding that South African banks did pay dividends from unrealised transitory gains was also confirmed by bank representatives and the post-financial crisis disclosure of one of the South African banks.
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Nurdiwaty, Diah, and Badrus Zaman. "ANALISIS RASIO KEUANGAN DAERAH UNTUK MENILAI KENERJA KEUANGAN DAERAH ( STUDI KASUS PADA DINAS PENDAPATAN PENGELOLAAN KEUANGAN DAN ASET KOTA KEDIRI)." Journal of Innovation in Business and Economics 7, no. 1 (January 3, 2016): 31. http://dx.doi.org/10.22219/jibe.vol7.no1.31-40.

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The purpose of this study was to examine the factors that determine the profitability of the banks of the largest commercial banks nationwide in Indonesia for the period 2010-2014. Based on the prescribed criteria, banks selected as samples were Bank Central Asia, Bank Negara Indonesia and Bank Mandiri. The dependent variable in this study is profit. The independent variables consist of liquidity risk, credit risk and efficiency. The analytical tool used is multiple linear regression analysis. The results showed that the liquidity risk of significant and positive impact on profits. Meanwhile, credit risk and efficiency significant and negative effect on profits. Concurrently, liquidity risk, credit risk and efficiency has a significant effect on earnings.
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Ostojic, Sinisa. "Applicative aspects of bank′s financial reporting: Analytical framework of a single banking report." Privredna izgradnja 46, no. 1-2 (2003): 73–110. http://dx.doi.org/10.2298/priz0302073o.

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This paper introduces financial statements of commercial banks and presents a procedure for analyzing bank profitability and risks using historical data. The procedure involves decomposing aggregate profit ratios into their components to help identify key factors that influence performance. This paper presents a procedure for analyzing bank performance using periodic balance sheet and income statement data. It describes the components of financial statements, provides a framework for comparing the trade-off between bank profitability and risk, and compares the performance of a small community bank with that of a large super regional banking organization. It uses data presented in a banks Uniform Bank Performance Report (UBPR) to demonstrate the analysis. Many banks experience dramatic changes in profits from one period to the next or relative to what stock analysts expect. In many cases, profits are lower because of unanticipated loan losses. In other cases, profits are higher because of extraordinary growth in noninterest income. A key point is that it is becoming increasingly difficult to evaluate performance by looking at reported balance sheet and income statement data. Net income can be managed, or manipulated, by bank managers to disguise potential problems. In this paper I examine how banks, the most important of all the financial intermediaries, operate to earn the highest profits possible: how and why they make loans, how they acquire funds and manage their assets and liabilities (debts), and how they earn income.
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Sila, M. Adlin. "BANK SYARIAH SEBAGAI BANK BAGI HASIL:." Dialog 32, no. 1 (October 19, 2017): 30–51. http://dx.doi.org/10.47655/dialog.v32i1.124.

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Islamic banking has the same purpose as conventional banking except that it operates in accordance with the rules of Syariah. The basic principle of Islamic banking is the sharing of profit and loss and the prohibition of riba (usury). Amongst the common Islamic concepts used in Islamic banking are profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musharakah), cost plus (Murabahah), and leasing (Ijarah). Mudarabah is an arrangement or agreement between a capital provider (mudharib) and an entrepreneur, whereby the entrepreneur can mobilize funds for its business activity. Any profits made will be shared between the capital provider and the entrepreneur according to an agreed ratio, where both parties share in profits and only capital provider bears all the losses if occurred. While murabahah (Cost Plus) refers to the sale of goods at a price, which includes a profit margin agreed to by both parties. The bank is compensated for the time value of its money in the form of the profit margin. This is a fixed-income loan for the purchase of a real asset (such as real estate or a vehicle), with a fixed rate of interest determined by the profit margin. This article suggests that most of the Islamic banks have now given up or marginalized two risk-sharing/profit-loss sharing (PLS) modes (Mudharabah and Musharakah), and have turned to the predominant mode of Murabahah, a mode that allows them to ensure that they avoid risk almost altogether in their transactions and earn relatively high return. Islamic banks have found Mudharabah and Musharakah to be inoperable in the modern context.
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Hidayati, Nur, and Yeni Purwitosari. "PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA." Jurnal Ilmu Manajemen (JIMMU) 5, no. 1 (May 5, 2020): 68. http://dx.doi.org/10.33474/jimmu.v5i1.6725.

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The profit growth can be used as a measure of achievement of a bank in the assessment of bank performance. This can be achieved if the level of health of banks consisting Capital Adequacy Ratio, Assets Quality, Net Interest Margin, Return on Assets, Loan to Deposit Ratio and Interest Risk Ratio in accordance with the standards set by the government. For this study aims to assess how the influence of the bank to profit growth, particularly private banks non-foreign national 2013-2014 period amounting to 23 banks. By using hypothesis testing found that the Return On Asset and Loan to Deposit Ratio positive effect on the growth rate of bank profits, while the Capital Adequacy Ratio, kualiatas Assets, Net Profit Margin and Risk Ratio interst does not affect the bank's profit growth.Keywords: Health, Income Growth, Bank
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7

Goddard, John, Hong Liu, Phil Molyneux, and John O. S. Wilson. "Do Bank Profits Converge?" European Financial Management 19, no. 2 (November 5, 2010): 345–65. http://dx.doi.org/10.1111/j.1468-036x.2010.00578.x.

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8

Killins, Robert Neil, David W. Johnk, and Peter V. Egly. "The impact of financial regulation policy uncertainty on bank profits and risk." Studies in Economics and Finance 37, no. 4 (September 20, 2019): 725–52. http://dx.doi.org/10.1108/sef-05-2019-0169.

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Purpose The purpose of this paper is to explore the impact of financial regulation policy uncertainty (FRPU) on bank profit and risk. Design/methodology/approach This study applies dynamic panel techniques and uses the Baker et al. (2016) FRPU index and macroeconomic variables to assess FRPU’s impact on bank profit and risk using Federal Deposit Insurance Corporation call reports from Q1 2000 to Q4 2016 for over 4,760 commercial banks. Findings The effect of FRPU on profitability (Return on Assets [ROA] and Return on Equity [ROE]) and risk (standard deviation of ROA and ROE) produces complex results. FRPU negatively (positively) impacts profits for small and large banks (money center banks). There is a positive impact on FRPU for small and medium-sized banks, with no impact reported for the large and money center banks. Practical implications Findings lead to several implications for financial services regulators, investors and executives as summarized in the conclusion. It is essential to ensure that clear communication channels are open especially to small and medium-sized banks for proper strategic planning, given their greater sensitivity to regulatory uncertainty. Originality/value This paper contributes to the literature as follows. First, it explores the impact of FRPU on bank profits and risk using a novel index introduced by Baker et al. (2016). This news-based continuous measure presents a bank profit modeling approach that differs from traditional event study methodology. Second, a large sample of US commercial banks is used which represents an important departure from banking regulation studies.
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Orzechowski, Paul E. "The bank capital channel and bank profits." Review of Financial Economics 37, no. 3 (February 14, 2019): 372–88. http://dx.doi.org/10.1002/rfe.1054.

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Kareem, Eddo Mochammad, Didit Supriyadi, and Sri Suartini. "Pengaruh Dana Pihak Ketiga Terhadap Laba Pada Bank BNI Syariah Periode 2011-2020." Business Innovation and Entrepreneurship Journal 4, no. 3 (September 12, 2022): 216–26. http://dx.doi.org/10.35899/biej.v4i3.380.

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Bank BNI Syariah as a financial institution continues to strive to create profits from each of its customers' financial transactions. This study aims to find out how third party funds and profits and the effect of third party funds on BNI Syariah bank profits. This study uses a quantitative approach, using secondary data in the form of BNI Syariah financial statement data for the period 2011 to 2020. The third party fund variable is the independent variable while profit is the dependent variable. Data analysis used simple linear regression analysis method. The results showed that third party funds and profits of Bank BNI Syariah for the period 2011 - 2020 fluctuated. While the overall results of the research analysis show that third party funds have a significant effect on BNI Syariah profits by 25.50%. This is evidenced by the results obtained based on hypothesis testing with a significant level at = 0.05 with sig. 0.007 < 0.05. So that the third party funds variable that has increased will increase the profit of BNI Syariah banks. Bank BNI Syariah sebagai lembaga keuangan terus berupaya menciptakan laba dari setiap transaksi keuangan nasabahnya. Penelitian ini bertujuan untuk mengetahui bagaimana dana pihak ketiga dan laba serta pengaruh dana pihak ketiga terhadap laba bank BNI Syariah. Penelitian ini menggunakan pendekatan kuantitatif, dengan menggunakan data sekunder berupa data laporan keuangan BNI Syariah periode 2011 sampai 2020. Variabel dana pihak ketiga sebagai variabel bebas sedangkan laba sebagai variabel terikat. Analisis data menggunakan metode analisis regresi linier sederhana. Hasil penelitian menunjukkan bahwa dana pihak ketiga dan laba Bank BNI Syariah periode 2011 – 2020 mengalami fluktuatif. Sedangkan secara keseluruhan hasil analisis penelitian menunjukan bahwa dana pihak ketiga berpengaruh secara signifikan terhadap laba BNI Syariah sebesar 25,50%. Hal ini dibuktikan dengan hasil yang diperoleh berdasarkan pengujian hipotesis dengan tingkat signifikan pada α = 0,05 dengan sig. 0,007 < 0,05. Sehingga variabel dana pihak ketiga yang mengalami kenaikan akan meningkatkan laba bank BNI Syariah.
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Dissertations / Theses on the topic "Bank profits"

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Zakhozhyi, V. "The Application of the Methodical Approach to Assessing the Impact of Internal and External Factors on the Bank Profit in Process of Its Adaptive Planning." Thesis, Taras Shevchenko National University of Kyiv, 2013. http://essuir.sumdu.edu.ua/handle/123456789/50004.

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Автором розроблено методичний підхід до врахування факторів зовнішнього і внутрішнього середовищ на прибуток банку.
The author developed a methodical approach to the integration of factors internal and external environment for profit.
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Захожий, В. П. "Методичний підхід до оцінки впливу факторів зовнішнього та внутрішнього середовищ на прибуток банку." Thesis, Львівський інститут банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63638.

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Автором розроблено методичний підхід до врахування факторів зовнішнього і внутрішнього середовищ на прибуток банку.
The author developed a methodical approach to the integration of factors internal and external environment for profit.
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Abel, Sanderson. "Measuring the performance of the banking sector in Zimbabwe." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/5110.

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The measurement of the banking sector performance in Zimbabwe is motivated by the unique developments that typified the sector during the period 2009-2014 after emerging from an economic crisis. The Zimbabwean economy returned to stability and growth in 2009, after a decade long economic decline. Economic stability brought about growth in deposits, loans, assets, capitalization and profits during this period. The banking sector has been accused of excessive profiteering through overpricing their products, which culminated in the intervention by the authorities in the sector. The interest rates spread, fees and other charges were presumed to be high which motivated the need to understand whether the banking sector is efficient or inefficient given the high interest rate spreads between the deposit rates and lending rates. Furthermore the high interest rates have raised the question of whether banks were exploiting their market power to price their products highly or whether their prices were determined by the dictates of market forces. Continued profitability of the sector also called for an investigation into what was driving the persistence of profitability over time. The primary objective of this research was to measure the performance of the banking sector during the period 2009-2014. The study contributes to the empirical literature by measuring and assessing the drivers of banking sector competition, efficiency and profitability and applying them at much disaggregated levels. This study also contributes to the debate on the relationships among the performance measures of competition, profitability and efficiency. The study adopted a number of methods which contributes to the array of tools central banks can employ to measure bank performance. The study employed a number of methodologies to measure the competition, efficiency and profitability performance of the banking sector. Competition was estimated using the new empirical industrial organisation methods of Panza and Rose (1987) and the Lerner (1934) Index was used. Cost and revenue efficiency was estimated using the two step methods of Data Envelopment Analysis followed by the Tobit regression method. An assessment of the persistence and drivers of profitability was measured using the Generalised Method of Moments. This study shows that the banking sector was operating under monopolistic competition market structure. This implies that banks held some market power as a result of product differentiation due to unique features such as brands, image and advertising, among others. The study indicates that competition increased during the period 2009-2014. Market power/competition in the banking sector during the study period was driven by capital adequacy, non-performing loans, liquidity risk, cost-income ratio, economic growth and government policy on pricing of bank products. The study suggests that the banking sector experienced an average inefficiency level of approximately 35 per cent in relationship with the best performing institutions in the sample. As a result of stability experienced in the economy, the average revenue and cost efficiency increased between 2009 and 2014. The study further established that the discord around the implementation of the indigenisation and empowerment law, coupled with the government intervention in the banking sector had a negative impact on the banking sector efficiency. It also found that efficiency is determined by market power, capital adequacy, cost income ratio, economic growth, inflation, market share and profitability. The Granger Causality test between cost efficiency and market power suggests that causality is bidirectional. On the other hand granger causality between revenue efficiency and market power is unidirectional and positive, running from revenue efficiency to market power. The result implies that policy measures should bring a balance between increasing competition and improving the revenue efficiency. The study shows that the banking sector was profitable during the period 2009 to 2014. The profitability was a reflection of a stable macroeconomic environment, typified by low inflation levels, despite the crises during this period. It further reveals that the banking sector‟s profitability persisted over time, reflecting the regulatory structure of the sector. The study established that profitability was determined by market power, non-performing loans, liquidity risk, capital adequacy, bank size and cost efficiency. This implies profitability was driven by bank specific determinants. There are a number of policy implications derived from the study. Regulatory measures such as forced consolidations can lead to excessive market power by the banking institution; hence it should be moderated. Banks should enhance credit risk because NPLs has been dragging profits. Banks should take advantage of the various measures introduced, such as the setting up of the special purpose vehicle and credit reference bureau. The government should avoid tampering with market forces as this reduces competition, efficiency and profitability and put in place measures that grow the economy as it increases the efficiency and profitability of the banking sector.
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Gugler, Klaus, and Evgeni Peev. "The persistence of profits in banking: an international comparison." Taylor&Francis Group, 2018. http://epub.wu.ac.at/6415/1/00036846.2018.pdf.

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This article examines the dynamics of bank profitability in the USA, Germany, Great Britain, France, Italy and Switzerland over the period 1993-2014. We find long-run bank profit persistence in all six countries in the period before the financial crisis in 2008. Banks with large capital ratios are persistently more profitable, and there is little evidence of a link between bank size and the persistence of bank profits. Commercial (saving) banks are persistently more (less) profitable in four of the six countries. The effects of the financial crisis in 2008 differed dramatically across countries as well as across ownership types. While US banks experienced dramatic declines in the immediate aftermath of the crisis, they recovered much faster than their European counterparts and essentially retain their long run profit potential by the year 2014.
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Heggli, Andre. "Knowledge management in Non-Profit Organizations." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-148574.

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The author of this paper seeks to explore what strategies are available for a multinational organization to manage knowledge, and to what extent a non-profit organization (NPO) have applied the same tools for managing knowledge within the organization as a multinational corporation (MNC). Through studying how knowledge flows within a MNC (Nonaka et al., 1995; Polanyi, 1966; Dani, 2006; DeNisi et al., 2003; Szulanski, 1996) and then analyzing the strategies for handling these flows the thesis will have presented a picture of Knowledge Management (KM), the processes for dealing with learning in the organization, which can then be compared to how KM works in a NPO – the World Bank. Through this comparison, this case study shows that all strategies employed by the World Bank are also used in MNCs, giving us the indication that NPOs can adapt KM strategies from MNCs and face many of the same challenges as an MNC does.
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Русанова, А. I. "Особливості фінансового планування і прогнозування прибутку в комерційних банках України." Thesis, «Бял ГРАД-БГ», 2013. http://essuir.sumdu.edu.ua/handle/123456789/63714.

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в статті автор досліджує особливості фінансового планування і прогнозування прибутку в комерційних банках України.
in the article, the author explores the characteristics of financial planning and forecasting profits in commercial banks of Ukraine.
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McMillan, Fiona Jayne. "Competition, profitability and risk in US banking." Thesis, University of St Andrews, 2014. http://hdl.handle.net/10023/6609.

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This thesis is concerned with the relationships between profit, profit persistence, risk and competition within the US commercial bank sector. In particular, the thesis asks three questions: how profit and profit persistence are affected by changes in regulation designed to enhance competition; how profit persistence varies over time according to changes in market and economic conditions; how different aspects of banks' risk is affected by competition and market structure. Understanding the nature of these relationships is important given the prominent role banks play in the allocation of resources, the provision of capital to the economy and the stability of the financial system. Moreover, these roles in turn, have an effect on bank performance and wider economic growth and stability. Such issues have especially come to prominence following the financial crisis and thus there is a need for empirical evidence on which to base policy. To examine these relationships the thesis implements panel estimation techniques and obtains data on all commercial banks, primarily over the period 1984-2009, thus including births and deaths. The key findings show, first, that profit persistence is relatively low compared to previous US banking studies and compared to manufacturing firms. Moreover, persistence varies with regulatory changes, although not always in the expected direction, notably the increase in persistence following the 1999 Gramm-Leach-Bliley Act. Second, additional time-variation in persistence is linked to bank specific, market structure and economic factors. Notably, persistence varies with bank size and market share, market concentration and output growth, but the precise nature of these relationships varies across the sample and by bank size. Third, that there is a difference in the nature of the relationship between competition and loan risk on the one hand and competition and total risk and leverage on the other. We also find that the relationship between risk and market structure varies according to bank size and that the economic cycle influences banks' risk. The implications and contribution of this thesis lie in establishing empirical evidence for understanding the nature of the relationships between competition, profits and risk. This is particularly prescient given the move towards new regulation following the financial crisis. Key results here show that no simple relationship exists between bank size or market concentration and competition and risk, therefore policy should account for such differences, whether according to bank size or type of risk.
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Жмайлова, О. Г. "Теоретико-методичні підходи до аналізу абсолютних показників прибутку комерційного банку." Thesis, Українська академія банківської справи Національного банку України, 2013. http://essuir.sumdu.edu.ua/handle/123456789/59318.

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Sasraku, Francis M. "Regulatory Structures and Bank –Level Risk Management in Ghanaian Banks." Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15021.

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This research examines the impact of certain bank-specific variables on bank stability in Ghana, in the context of the existing regulatory structures. The thesis examines this issue along two main themes. The first part of this study examines whether two of the commonly used measures of banking stability, the CAMELS and the Z-Score, provide similar or different results in assessing the stability of banks in Ghana. The results of this study show that the use of the CAMELS and the Z-score measures could lead to different outcomes in terms of bank stability in Ghana. This suggests that the traditional micro-prudential CAMELS framework should be complemented with the Z-score which inherently has both micro and macro-prudential characteristics of signaling weaknesses in bank stability, and to enhance the management of bank stability. The second part of the study examines the impact of some bank-specific variables on bank stability. Using the panel data approach, the results show that while bank size, regulatory governance, regulatory independence and origin impact significantly on the stability score, there was no significant impact in terms of interbank borrowing and non-performing loans. Further analysis using the Blinder –Oaxaca decomposition also suggests that foreign banks in Ghana exhibit relatively higher levels of stability compared to local banks. The policy implications of these findings suggest that the liberalisation of the banking sector should be accompanied by an effective micro- and macro-prudential supervisory regime in order to manage the stability of the constituent banks and the banking sector as a whole.
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Jiang, Yuxiang. "Bank competition, earnings management and profit persistence." Thesis, University of Glasgow, 2018. http://theses.gla.ac.uk/38943/.

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This thesis examines the impact of competition and earnings management on bank earnings persistence by exploiting natural experiments (IBBEA and SOX). Chapter three examines how competition affects bank earnings persistence by exploiting a natural experiment following interstate banking deregulation that increased bank competition. We find that bank earnings adjustment speed (which equals one minus earnings persistence in partial adjustment model) increases after their states implement this deregulation. We find the impact from the competition on earnings persistence is solid and consistent using Lerner index as bank-level competition measure and a battery of placebo tests. Despite the negative impact of competition on profit persistence, we didn’t find any peculiar situation that alleviates or strengthen this tie(regarding profitability, Gaps). Chapter four examines the impact of earnings management on earnings persistence in US banking industry. Results show earnings management have a positive influence. In addition, statistics illustrate managers are more willing to keep a high persistence of profit when they are outperformed than the expected to return. However, when it comes to the different timing of outside market, the effect of earnings management on profit persistence might vary significantly. This connection is robust by using SOX as an exogenous shock on financial reporting quality of the largest banks. Chapter five analyze the economic significance between earnings management and competition on earnings persistence. We use a battery of tests to determine the most important factor to earnings persistence. We also introduce investment sentiment as an exogenous variation of market vitality to see how bank profit persistence changes. We find both competition and earnings management have a significant impact on profit persistence. We also discover that competition would increase earnings management. Then, if higher competition reduces earning persistence and increase earnings management. While we also observe that higher earnings management would increase earnings persistence. Therefore, we conclude that the effect of the competition on earnings persistence is not from earnings management. Furthermore, we find that competition impacts on earnings persistence is strong enough to overcome the marginal effect that boosted from earnings management due to high competition. We additionally found that earnings management is sensitive to investment sentiment.
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Books on the topic "Bank profits"

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development, Organisation for economic co-operation and. Bank profitability: Financial statements of banks 1998. Paris: OECD, 1998.

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Services, Sheshunoff Information. Community bank guide to improving profits. Austin, Tex: Sheshunoff Information Services, 1992.

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M, Mozwecz Ellen, Neff Dennis C, Bank Administration Institute, and Robert Morris Associates, eds. Customer profitability analysis: A tool for improving bank profits. 2nd ed. Rolling Meadows, Ill: Bank Administration Institute, 1985.

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Korenik, Dorota. System oceny aktywnoʹsci terenowych centrów zysku banku komercyjnego (w warunkach wzrostu konkurencji jakościowej w sektorze bankowym). rocław: Wydawn. Akademii Ekonomicznej im. Oskara Langego we Wrocławiu, 1999.

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Stiroh, Kevin J. Compositional dynamics and the performance of the U.S. banking industry. [New York, N.Y.]: Federal Reserve Bank of New York, 2000.

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Siddiqui, Rehana. The profitability of the banking sector of Pakistan. Islamabad: Pakistan Institute of Development Economics, 1998.

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Demirgüç-Kunt, Aslı. The impact of bank regulations, concentration, and institutions on bank margins. Washington, D.C: World Bank, 2003.

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Jannott, Paul F. Improving bank profits: How to decrease operating expenses and increase income. 2nd ed. Rolling Meadows, Ill: Bankers Pub., Bank Administration Institute, 1988.

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Deutsch, Gary M. Bank profit improvement manual. Austin, Tex: Sheshunoff Information Services, 1991.

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McLeay, Stuart. Bank profitability and structure in France, the United Kingdom, West Germany and Japan. Bangor (Wales): Institute of European Finance, University College of North Wales, 1989.

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Book chapters on the topic "Bank profits"

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Ahmad, Rubi, and Bolaji Tunde Matemilola. "Determinants of Bank Profits and Net Interest Margins." In Emerging Markets and Financial Resilience, 228–48. London: Palgrave Macmillan UK, 2013. http://dx.doi.org/10.1057/9781137266613_12.

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Davis, Steven I. "How Might Future Bank Profits and Returns Evolve?" In Banking in Turmoil, 53–59. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230275065_7.

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Farmer, Jane, Anthony McCosker, Kath Albury, and Amir Aryani. "Case Studies of Data Projects." In Data for Social Good, 27–62. Singapore: Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-5554-9_2.

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AbstractThree illustrative case studies are provided of non-profit organisations’ data projects conducted by the authors, with partner non-profits, during 2017–2021. The case studies all use a collaborative data action methodology, but differ in the nature of datasets analysed, visualisations and data products generated. Case Study 1 included government departments and agencies and used datasets from public consultation, social media and news media. It generated timeline and topic visualisations about changes in the public conversation about family violence following a new policy. Case Study 2 engaged staff across several departments of three non-profits of different sizes and used operational data plus open public data to show the impact of mental health and youth employment programmes and to inform staff retention policy. Case Study 3 describes a data collaborative involving six non-profits and a bank that united to geospatially analyse internal data of organisations and open public data to examine community resilience. Overall, project participants benefitted from new learning about working with data and built relationships within and across organisations.
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Dincer, Hasan, Ümit Hacioglu, and Senol Emir. "Financial Determinants of Bank Profits: A Comparative Analysis of Turkish Banking Sector." In Globalization of Financial Institutions, 109–23. Cham: Springer International Publishing, 2013. http://dx.doi.org/10.1007/978-3-319-01125-7_8.

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Siahaan, Benyamin M. P., Yeni Absah, and Isfenti Sadalia. "The Influence of Implementation of the Four Disciplines of Execution on the Achievement of Commercial Credit Targets at PT Bank Sumut." In Proceedings of the 19th International Symposium on Management (INSYMA 2022), 600–606. Dordrecht: Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-008-4_76.

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AbstractEvery corporate entity certainly wants to maximize the achievement of its targets to obtain maximum revenue and profits. This study aims to determine the effect of implementing the 4 Disciplines of Execution (4DX) on achieving commercial credit objectives in the Credit Division. This research is interesting because it uses a mixed method. This study used primary data sources and secondary data sources. The 4DX consists of 1 focusing on the most important goals (focusing on the most important goals), 2 acting on Lead Measure (acting on the things that move the goal), 3 Creating a scoreboard (note the achievement on the scoreboard), and 4 Making sustainable rhythms (creating sustainable rhythms). The population used in this study were all employees who handle commercial loans or are called Relationship Managers (RM) under the credit division and then taken a sample of 43 employees. After conducting quantitative analysis, the results show that every discipline in the 4DX has a positive effect on the effort in achieving the target. To support quantitative analysis, a qualitative analysis was then carried out to find out other effects arising from the implementation of the 4DX. After conducting qualitative analysis, the results show that 1 Implementation of the 4DX can change employee behavior to be more responsible and consistent, 2 Implementation of the 4DX can be a solution to overcome problems related to employee habits, and 3 Every 4DX discipline is interrelated one and another.
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Elke, Steinmeyer. "Cassandra prophesies back." In Prophets and Profits, 209–20. First [edition]. | New York: Routledge, 2017.: Routledge, 2017. http://dx.doi.org/10.4324/9781315266527-15.

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Chorafas, Dimitris N. "Die Bank als Profit-Center." In Electronic Banking — eine langfristige Strategie, 161–82. Wiesbaden: Gabler Verlag, 1989. http://dx.doi.org/10.1007/978-3-322-83775-2_8.

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Donovan, Paul. "Fighting back." In Profit and Prejudice, 207–18. 1 Edition. | New York: Routledge, 2020.: Routledge, 2020. http://dx.doi.org/10.4324/9781003098898-11.

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Anggoro, E. P. D., A. K. Wardini, and M. E. Siregar. "Comparative analysis of internal and external factors on profits in conventional and Islamic bank systems for the long and short terms in the 2013–2019 period." In Contemporary Research on Business and Management, 56–59. London: CRC Press, 2021. http://dx.doi.org/10.1201/9781003196013-14.

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Bothe-Fehl, Ines, and Ursula Ernst-Auch. "Karrieren erfolgreicher Profis." In Karriere machen Bank und Versicherung 2003, 107–14. Wiesbaden: Gabler Verlag, 2002. http://dx.doi.org/10.1007/978-3-322-93151-1_2.

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Conference papers on the topic "Bank profits"

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Peng Yijia, Ying Yin, and Zhou Qishen. "Inspection research about the relationship between the profits efficiency of commercial bank and stock return." In 2011 2nd International Conference on Artificial Intelligence, Management Science and Electronic Commerce (AIMSEC). IEEE, 2011. http://dx.doi.org/10.1109/aimsec.2011.6010304.

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Chen, Yanqiang, Xianwu Luo, Hongyuan Xu, and Wei Shi. "Research on the Field Test of Desilting and Bank-Strengthening for the Yellow River." In ASME 2006 2nd Joint U.S.-European Fluids Engineering Summer Meeting Collocated With the 14th International Conference on Nuclear Engineering. ASMEDC, 2006. http://dx.doi.org/10.1115/fedsm2006-98196.

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Due to the large amount of sand in the Yellow River water, the sediment accumulation of the sand in the lower reaches of the river has been increasing for years. In order to control the Yellow River flood, the height of the stream channel of this river should be decreased, and the banks have to be widened and its height should be increased. Desilting and bank-strengthening is an effective path to reinforce the banks of the Yellow River by taking advantages of the silt in the river appropriately. In the Desilting and bank-strengthening project, owing to the long distance of transportation of the sand, three parallel submersible liquid-solid pumps are operated together with one or two slurry pumps in series. This paper treats the field test of the Yellow River sand transportation system. Based on the on-site experiment, the relationship between the transportation efficiency and sand properties, the resistance of pipeline, etc has been investigated. It is noted that the amount of sand increased the resistance of pipeline, and sand concentration had obvious effect on transportation efficiency. With the same flow-rate, the larger sand concentration is, the less time is needed to transport the same amount of sand, and the less the cost of both power consumption and the consumption water would be; With the same sand concentration, the larger the flow-rate is, the larger the production output of sand transportation and economic profits would be achieved during the same operation period. Thus, the transportation system should be recommended to run in the condition of as large flow-rate and as high concentration as possible so that the working time and the cost of production would be reduced, and better economic performance was available.
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Mockus, Jonas, Igor Katin, and Joana Katina. "On stochastic simulation of stock-exchange." In International Workshop of "Stochastic Programming for Implementation and Advanced Applications". The Association of Lithuanian Serials, 2012. http://dx.doi.org/10.5200/stoprog.2012.15.

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A simple Stock Exchange Game Model (SEGM) was introduced in (Mockus, 2003) to simulate the behaviour of several stockholders using fixed buying-selling margins at fixed bank yield. In (Mockus, 2010, 2012; Mockus and Raudys, 2010), the theoretical description of the updated model USEGM was presented and illustrated by the results of experimental investigation obtained by the software developed for the early version SEGM. The new elements of the model is the evaluation of the transaction costs and addition of the minimizer of absolute residuals representing the risk-neutral users. Experimental investigation of the updated USEGM model produced new results. In this paper, we discuss them. The results were compared with real data. They show that the traditional estimators of the minimal prediction errors, such as MSE or MAE, do not necessarily provide maximal average profits. However, contrary to the traditional stock rate prediction models, the main objective of USEGM is not forecasting, but simulation of financial time series that are affected by predictions of the participants.
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Aso, Aso, and Sakar Zahir Omar Ameen. "The effect of the Iraqi dinar exchange rate on the stock market index An analytical study in the Iraqi Stock Exchange for the period (2014-2020)." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/icearnc/36.

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The research aims to identify the fluctuations of the Iraqi dinar exchange rate and the Iraqi stock market index during the research period, as well as knowing the size and type of the linear relationship between the two variables, through a systematic framing that can guide investors, which contributes to strengthening the movement of funds and investments and which is reflected positively in the activity The economic and financial market, based on published data for the period from 2014 to 2020. The research came out with a number of conclusions, the most important of which is the existence of a correlation and impact relationship between the Iraqi dinar exchange rate and the financial market index in Iraq, in addition to the fact that the value of the Iraqi dinar in the parallel market during the research period varied significantly, which is evidence of the lack of control of the Central Bank on monetary policy, which affected the Variation in the movement of the Iraqi stock market index, and thus the loss of investors to generate profits and the decrease in their profitability opportunities. The research also presented a set of proposals, perhaps the most important of which is the establishment of a base of scientific foundations for investment in the financial markets, based on what we justify of the exchange rate variable that leads investors to Take the right investment decisions at the right time.
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Aso, Aso, and Sakar Zahir Omar Ameen. "The effect of the Iraqi dinar exchange rate on the stock market index An analytical study in the Iraqi Stock Exchange for the period (2014-2020)." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/uhdicearnc/36.

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The research aims to identify the fluctuations of the Iraqi dinar exchange rate and the Iraqi stock market index during the research period, as well as knowing the size and type of the linear relationship between the two variables, through a systematic framing that can guide investors, which contributes to strengthening the movement of funds and investments and which is reflected positively in the activity The economic and financial market, based on published data for the period from 2014 to 2020. The research came out with a number of conclusions, the most important of which is the existence of a correlation and impact relationship between the Iraqi dinar exchange rate and the financial market index in Iraq, in addition to the fact that the value of the Iraqi dinar in the parallel market during the research period varied significantly, which is evidence of the lack of control of the Central Bank on monetary policy, which affected the Variation in the movement of the Iraqi stock market index, and thus the loss of investors to generate profits and the decrease in their profitability opportunities. The research also presented a set of proposals, perhaps the most important of which is the establishment of a base of scientific foundations for investment in the financial markets, based on what we justify of the exchange rate variable that leads investors to Take the right investment decisions at the right time.
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Adair, J., A. Kirkpatrick, D. B. Olsen, and H. Gitano-Briggs. "Simulation of the Airflow Characteristics of a Two-Stroke Natural Gas Engine With an Articulated Crank." In ASME 2003 Internal Combustion Engine Division Spring Technical Conference. ASMEDC, 2003. http://dx.doi.org/10.1115/ices2003-0552.

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The topic of this paper is the simulation of the airflow characteristics of a large bore two stroke natural gas fueled engine. The modeling was performed with the program WAVE, a computer code developed for engine cycle simulations. The engine studied was a four cylinder Cooper GMV engine. This engine has an articulated crankshaft connecting even and odd bank cylinders. Due to the articulation, the even bank cylinders have different piston profiles, port profiles, and compression ratios than the odd bank cylinders. Due to the non-symmetric timing and articulated geometry of the odd and even banks, the gas flow processes are not the same for each cylinder bank. The different manifold and port pressure profiles result in different amounts of trapped mass in the odd and even banks. The even bank is predicted to have a smaller amount of trapped mass and slightly lower trapping and scavenging efficiencies. Finally, the model predicts that the even bank cylinders attain higher maximum temperatures, which would produce increased NOx.
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Mehmood, Khalid, Natalja Lace, and Irena Danilevičienė. "Comparative efficiency analysis of conventional banks and Islamic banks: in evidence of Pakistan." In 11th International Scientific Conference „Business and Management 2020“. VGTU Technika, 2020. http://dx.doi.org/10.3846/bm.2020.583.

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The study evaluates the comparison and efficiency of Pakistani Islamic and conventional banks. Data are collected from the reports of banks website and state bank of Pakistan for the period 2013−2017. Used financial ratios for methodology and descriptive summary, correlation and Trend for analysis technique. The analysis shows conventional banks are more liquid, solvent and less risky. According to profit-ability ratio, Islamic banks are more profitable. Trend analysis shows, both banks have positive trends, but the conventional banks disclose more efficiency and positive trend. Conventional banks are technologically advanced and extensive, but the future of Islamic banks looking bright in case of Pakistan.
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Nocoń, Aleksandra, and Irena Pyka. "EFFECTIVENESS OF RISK CAPITAL (OWN FUNDS) IN THE POLISH BANKING SECTOR IN THE YEARS OF 2002–2016." In Business and Management 2018. VGTU Technika, 2018. http://dx.doi.org/10.3846/bm.2018.02.

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The analysis of effectiveness of risk capital in the Polish banking sector have become the main aim of the study. In the article, statistical and econometric methods were used, based on a linear regres-sion model of net profit in relation to the value of own funds of the banking sector in Poland in the years of 2002–2016. Next, through the quartile method, there were estimated the relations between effectiveness and a level of risk capital of the largest banks in Poland. Conducted research were aimed to verify the research hypothesis stating that in the Polish banking sector there is a positive cor-relation between net profit and banks’ own funds, which constitute an essential component of bank risk capital.
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Sutrisno, Mr. "GCG disclosure and risk profile on bank performance: case studies on state-owned banks." In Proceedings of the 16th International Symposium on Management (INSYMA 2019). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/insyma-19.2019.17.

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Najimudinova, Seyil. "Content Analyses on Mission Statements of the Commercial Banks in Kyrgyzstan." In International Conference on Eurasian Economies. Eurasian Economists Association, 2017. http://dx.doi.org/10.36880/c08.01835.

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The concept of mission is still popular both in academic environment and business practices. Mission statements have been accepted as an important part of the strategic management process for organizations of all types; be it public sector, not-for-profit, private, for profit, a multinational or a SME. This paper aims to study the content of mission statements of Top10 commercial banks in Kyrgyzstan. The main objective of this study is to identify whether the mission statements of commercial banks contain components suggested Pierce and David (1987) and Bart and Tabone (1999). Data was based on content analysis of the mission statements and other related statements found on commercial banks’ web sites. Another secondary data on general profile of commercial banks are obtained from their web-sites and other open to public resources. The results show all (11) numbers of components are not incorporated in the mission statements of commercial banks totally. According to obtained data it was done Top 3 rating of commercial banks according to their mission statements. The level of popularity of mission statement components displays the following: products or services, geographic location, statement of purpose and customers are the most of frequent occurrence components. Components like concern for public image, concern for growth and profit, and philosophy are less popular mission components. In the future this study can throw fresh light on researches on other industries and to make relationship between good mission statements and the performance of commercial banks.
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Reports on the topic "Bank profits"

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Montoya, Ana María, Eric Parrado, Alex Solís, and Raimundo Undurraga. Research Insights: Do Bank Officers Favor Male over Female Loan Applicants? Inter-American Development Bank, July 2020. http://dx.doi.org/10.18235/0003022.

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A randomized study in Chile found that otherwise equivalent loan requests from women are 18.3 percent less likely to be approved than those from men, largely due to gender-biased officers, particularly males. Median forgone profits associated with applications rejected due to gender discrimination amount to US$1,785 or 23 percent of the median loan size. Considering only discriminated applications from applicants aged 25 to 35 years for amounts between US$1,500 and US$13,500, the forgone profits at the industry level amount to US$5.8 million per year, which is equivalent to 4 percent of the annual labor cost for all loan officers in the Chilean banking system.
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Yasuhara, Tsuyoshi. Working Paper PUEAA No. 11. Profit Seeking Model and the Monetary Policy in Japan: cross-border asset holdings via Offshore Financial Centers. Universidad Nacional Autónoma de México, Programa Universitario de Estudios sobre Asia y África, 2022. http://dx.doi.org/10.22201/pueaa.009r.2022.

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Recently, the Junichiro Koizumi and Shinzo Abe administration has adopted labor reforms, and monetary authorities have updated unconventional monetary policies: quantitative easing of money supply and negative interest rate control. It can be identified that quantitative easing policy and negative interest rate policy have introduced and stimulated new styles of profit-seeking through stock market transactions, which only increases corporate and bank profits under a stagnant labor productivity growth rate. Under such a context, this paper analyzes the changing phase of the profit-seeking patterns of the financial and non-financial sector in Japan. The hypothesis is that the large-scale corporate sector has created a new profit-seeking paradigm and that this has been supported by the monetary control of the so-called "Abenomics".
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Neely, Christopher J. The Temporal Pattern of Trading Rule Returns and Central Bank Intervention: Intervention Does Not Generate Technical Trading Rule Profits,. Federal Reserve Bank of St. Louis, 2000. http://dx.doi.org/10.20955/wp.2000.018.

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Harris, Kathleen, and Travis Dahl. Technical assessment of the Old, Mississippi, Atchafalaya, and Red (OMAR) Rivers : HEC-RAS BSTEM analysis of the Atchafalaya River. Engineer Research and Development Center (U.S.), August 2022. http://dx.doi.org/10.21079/11681/45174.

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This report documents the bank erosion modeling performed under Task 6 (HEC-RAS Sediment Modeling) of the Old, Mississippi, Atchafalaya, and Red (OMAR) Rivers System Technical Assessment. The objectives of the bank erosion modeling effort were to compare the relative impact various flow scenarios might have on bank retreat on a stretch of the Atchafalaya River between Simmesport, LA, and the Whiskey Bay Pilot Channel. The effort included compilation of field and soil boring data, selection of bank retreat sites, creation of representative soil profiles for the reach, calibration of soil parameters to measured retreat rates, and modeling bank retreat and volume of material eroded under various flow scenarios. This modeling effort was intended for scenario comparison and should not be used as a prediction of exact rates of bank erosion. The study found that varying the amount of flow entering the Atchafalaya River from the Mississippi River could increase dramatically or significantly reduce the extent of bank erosion, relative to the current management scenario.
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A.B., Cunningham, Tientcheu M.L.A., Anoncho V.F., Nkuinkeu R., and Sunderland T. Power, profits and policy: A reality check on the Prunus africana bark trade. Center for International Forestry Research (CIFOR), 2014. http://dx.doi.org/10.17528/cifor/004923.

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Barradas, Ricardo, Sérgio Lagoa, and Emanuel Leão. The non-for-profit banks in portugal: specificities, social role and evolution. DINÃMIA'CET-IUL, 2011. http://dx.doi.org/10.7749/dinamiacet-iul.wp.2011.06.

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Kürşat Önder, Yasin, Maria Alejandra Ruiz-Sanchez, Sara Restrepo-Tamayo, and Mauricio Villamizar-Villegas. Government Borrowing and Crowding Out. Banco de la República, December 2021. http://dx.doi.org/10.32468/be.1182.

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We investigate the impact of fiscal expansions on firm investment by exploiting firms that have multiple banking relationships. Further, we conduct a localized RDD approach and compare the lending behavior of banks that barely met and missed the criteria of being a primary dealer, as well as barely winners and losers at government auctions. Our results indicate that a 1 percentage point increase in banks’ bonds-to-assets ratio decreases loans by up to 0.4%, which leads to significant declines in firm investment, profits and wages. Our findings are grounded in a quantitative model with financial and real sectors with which we undertake a welfare analysis and compute the cost of government borrowing on the overall economy.
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Wehr, Tobias, ed. EarthCARE Mission Requirements Document. European Space Agency, November 2006. http://dx.doi.org/10.5270/esa.earthcare-mrd.2006.

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ESA's EarthCARE (Cloud, Aerosol and Radiation Explorer) mission - scheduled to be launched in 2024 - is the largest and most complex Earth Explorer to date and will advance our understanding of the role that clouds and aerosols play in reflecting incident solar radiation back into space and trapping infrared radiation emitted from Earth's surface. The mission is being implemented in cooperation with JAXA (Japan Aerospace Exploration Agency). It carries four scientific instruments. The Atmospheric Lidar (ATLID), operating at 355 nm wavelength and equipped with a high-spectral resolution and depolarisation receiver, measures profiles of aerosols and thin clouds. The Cloud Profiling Radar (CPR, contribution of JAXA), operates at 94 GHz to measure clouds and precipitation, as well as vertical motion through its Doppler functionality. The Multi-Spectral Imager provides across-track information of clouds and aerosols. The Broad-Band Radiometer (BBR) measures the outgoing reflected solar and emitted thermal radiation in order to derive broad-band radiative fluxes at the top of atmosphere. The Mission Requirement Document defines the scientific mission objectives and observational requirements of EarthCARE. The document has been written by the ESA-JAXA Joint Mission Advisory Group for EarthCARE.
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Vélez-Velásquez, Juan Sebastián. Banning Price Discrimination under Imperfect Competition: Evidence from Colombia's Broadband. Banco de la República de Colombia, December 2020. http://dx.doi.org/10.32468/be.1148.

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Economic theory is inconclusive regarding the effects of banning third-degree price discrimination under imperfect competition because they depend on how the competing firms rank their market segments. When, relative to uniform pricing, all competitors want higher prices in the same market segments, a ban on price discrimination will reduce profits and benefit some consumers at the expense of others. If, instead, some firms want to charge higher prices in segments where their competitors want to charge lower prices, price discrimination increases competition driving all prices down. In this case, forcing the firms to charge uniform prices can increase their profits and reduce consumer surplus. We use data on Colombian broadband subscriptions to estimate the demand for internet services. Estimated preferences and assumptions about competition are used to simulate a scenario in which firms lose their ability to price discriminate. Our results show large effects on consumer surplus and large effects on firms’ profits. Aggregate profits increase but the effects for individual firms are heterogeneous. The effects on consumer welfare vary by city. In most cities, a uniform price regime causes large welfare transfers from low-income households towards high-income households and in a few cities, prices in all segments rise. Poorer households respond to the increase in prices by subscribing to internet plans with slower download speed.
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Beller, D., and A. Farrel. An In-Band Data Communication Network For the MPLS Transport Profile. RFC Editor, January 2010. http://dx.doi.org/10.17487/rfc5718.

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