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Journal articles on the topic 'Bankruptcy diagnostic methods of banks'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Osadcha, N. V., and D. M. Artemenko. "Assessment of the Target Criterion and Leading Indicators of Regulatory Influence in the Banking Sector." Management of Economy: Theory and Practice. Chumachenko’s Annals, no. 2020 (2020): 68–81. http://dx.doi.org/10.37405/2221-1187.2020.68-81.

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The article defines the essence and methods of measuring the target criterion and leading indicators of regulatory influence in the banking sector. It is proposed to supplement prudential banking supervision, based on tracking the economic standards of individual banks, with models of discriminant analysis for a comprehensive assessment of the financial condition and risk of bankruptcy of banks. The use of the built-in reference matrix of discriminant analysis of the level of financial condition and the degree of risk of bankruptcy of the bank, as leading indicators of regulatory impact, will

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2

Artemenko, Dmytro. "Assessment of Leading Indicators of State Regulatory Policy in the Banking Sector." Herald of the Economic Sciences of Ukraine, no. 1(40) (2021): 147–52. http://dx.doi.org/10.37405/1729-7206.2021.1(40).147-152.

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The article, based on the generalization of domestic and international experience in assessing the leading indicators of regulatory policy in the banking sector, formed proposals to determine the financial condition and risk of bankruptcy of the bank. It is proposed to supplement prudential banking supervision, based on tracking the economic standards of individual banks, with models of discriminant analysis for a comprehensive determination of the financial condition and risk of bankruptcy of banks. The built-in reference matrix of discriminant analysis of the level of financial condition and

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3

Artemenko, D. М., O. V. Shynkaryuk та V. F. Stolyarov. "Metodologіcak Basіs for the Formatіon of the Complex Regulatory Іnfluence of the State on the Actіvіty of Banks". Herald of the Economic Sciences of Ukraine, № 2(45) (2023): 138–50. http://dx.doi.org/10.37405/1729-7206.2023.2(45).138-150.

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Іntroductіon. The characterіstіcs of the dynamіcs of іndіcators of the bankіng sector of Ukraіne іn 2020-2023 are gіven. Based on the organіzatіonal and economіc essence of the regulatory іnfluence of the state on the actіvіty of banks, the necessіty of formіng іts complexіty іs determіned: іn addіtіon to the use of the NBU’s economіc standards of іndіcatіve regulatіon. Іt іs advіsable for the Mіnіstry of Fіnance of Ukraіne to assess the fіnancіal condіtіon and degree of rіsk of bankruptcy of banks and the dynamіcs of theіr market value. Wіth the determіnatіon of the dіrectіons of targeted and

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4

Lytova, Anastasia S. "IMPROVING TOOLS AND METHODS OF PREVENTIVE MEASURES FOR BANK BANKRUPTCY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 9/4, no. 139 (2023): 291–99. http://dx.doi.org/10.36871/ek.up.p.r.2023.09.04.024.

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In the modern realities of the banking sector, the problems associated with preventing the bankruptcy of credit institutions are becoming more and more relevant and significant. In this study, attention is drawn to the problems of preventing the bankruptcy of credit institutions in the modern conditions of the banking sector. Practice shows that timely detection of signs of default of a credit institution is not always possible, since existing indicators indicating problems in the bank’s activities are usually late. At the moment, the study of the causes of default, the assessment of the proba

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5

Putri, Hana Tamara. "The Prediction of Bankruptcy With Altman Z-Score and Springate S-Score Models In Sharia Banks Period 2012-2017." J-MAS (Jurnal Manajemen dan Sains) 4, no. 2 (2019): 276. http://dx.doi.org/10.33087/jmas.v4i2.108.

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The Background of this research is to know and to analyze the prediction of company bankruptcy of BUMN Syariah Banks in BEI periods 2012-2017 which focuses object are three companies which have all criteria in analysis by method Z-score Altman and S-Score Springate. As we know, the goal of company is not being bankrupt so that the company needed a method to predict the bankruptcy as soon as possible. This reserch uses Z-Score Altman and S-Score Springate, this methods used to analize financial statements. Goals of this research is to know the potential of bankruptcy, rate of bankruptcy, and in

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6

Ari Setyaningsih, Ni Putu. "KEDUDUKAN LEMBAGA PERKREDITAN DESA (LPD) SEBAGAI SUBJEK HUKUM DALAM MENGAJUKAN PERMOHONAN PAILIT." Jurnal Aktual Justice 6, no. 2 (2021): 199–210. http://dx.doi.org/10.70358/aktualjustice.v6i2.771.

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LPD is not a microfinance institution that is regulated in Law Number 1 of 2013 concerning Microfinance Institutions because it is excluded under Article 39 paragraph (3) of the law. LPD is not a legal entity like other financial institutions such as banks, rural banks and cooperatives, LPD only has the status as a financial institution belonging to traditional villages until now. In 2016 there was a case of bad loans in one of the LPDs in Bali, namely the Kelan Traditional Village LPD, in this case the settlement was carried out through the bankruptcy mechanism regulated in Law Number 37 of 2

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Artemenko, D. A., and S. A. Shishkov. "ANALYSIS OF EFFECTIVENESS OF MEASURES FOR PREVENTING INSOLVENCY (BANKRUPTCY) OF CREDIT ORGANIZATIONS." Scientific bulletin of the Southern Institute of Management, no. 4 (December 30, 2017): 34–39. http://dx.doi.org/10.31775/2305-3100-2017-4-34-39.

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The article examines the effectiveness of existing measures to prevent insolvency (bankruptcy) of credit institutions, which are provided by the Federal Law “On Insolvency (Bankruptcy)", the directions of their development and problematic aspects. Separate analysis of the effectiveness of the State Corporation “Deposit Insurance Agency" as one of the key participants in the process of preventing bankruptcy of banks and their financial recovery. A statistical analysis has been performed on the number of bankruptcy cases initiated, the procedures performed, and the results of these procedures in

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8

Kusumanisita, Apriliana Ika, and Istiana Mita Musdalifah. "Analisis Prediksi Kebangkrutan Pada Bank Umum Syariah di Indonesia Menggunakan Metode Fulmer Periode 2010-2019." Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 7, no. 2 (2021): 135. http://dx.doi.org/10.29300/aij.v7i2.4417.

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This research is used to predict early bankruptcy in the health of financial performance in the Islamic banking industry in Indonesia using the Fulmer method. This research uses a quantitative approach. The data analysis technique used is the regression of the panel data. The samples used in this study are 14 Islamic commercial banks that have been registered with Bank Indonesia. The sampling technique uses the purposive sampling method because researchers determine certain criteria for Islamic commercial banks that have published their financial statements. The data used by researchers is sec

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9

Dmytrenko, Iryna, and Svetlana Eldysheva. "ALTERNATIVE METHODOLOGY FOR DIAGNOSTIC OF PROBABILITY OF BANKRUPTCY OF INDUSTRIAL COMPANIES." Russian Journal of Management 8, no. 1 (2020): 96–100. http://dx.doi.org/10.29039/2409-6024-2020-8-1-96-100.

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The article is devoted to the justification and presentation of the results of the development of the author's methodology for diagnosing the probability of bankruptcy of industrial companies, which takes into account the influence of a set of factors of the institutional environment on the degree of financial stability of business entities in the face of uncertainty. The basic methods of the study were analogy and synthesis, a systematic approach and systematization, semantic and comparative analysis, dialectic, logical, hypothetical-deductive, economic and statistical methods. Based on the s

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10

PETYK, Liubov, and Mykhailo PISIAK. "Methodological approaches to the diagnostic and assessment of the probability of business bankruptcy." Economics. Finances. Law 10/1, no. - (2022): 22–26. http://dx.doi.org/10.37634/efp.2022.10(1).5.

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Introduction. Methodological approaches to forecasting the financial state of enterprises from the point of view of possible bankruptcy are generalized and systematized. The classification of crisis diagnosis methods was studied and the stages of the crisis were considered. The modern practice of using foreign models for diagnosing the probability of the threat of insolvency of business entities is analyzed, with the identification of their advantages and disadvantages. Recommendations for improving approaches to assessing the probability of bankruptcy of national enterprises using foreign met

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11

Mohammed Ali Bani Ata, Haider. "Addressing financial bankruptcy from the Islamic perspective." Banks and Bank Systems 14, no. 3 (2019): 9–19. http://dx.doi.org/10.21511/bbs.14(3).2019.02.

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The national as well as global economy is significantly affected as a result of financial bankruptcy. Therefore, identifying the rates of bankruptcy would be helpful to inspect the reasons for its failure. The present study aims to investigate different ways for the successful treatment of financial bankruptcy based on Islamic teachings, appropriate methods and techniques in handling bankruptcy.The study gathered views of CFOs operating in Al-Hassan Industrial Estate and the views of Islamic banks’ staff working in investment sections through a questionnaire. Analytical statistical procedures

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12

Adnan, Muhammad Ichsan, and Heru Fahlevi. "Analisis Perbandingan Prediksi Kebangkrutan Perbankan Syariah dan Konvensional di Indonesia." Jurnal Akuntansi dan Governance Andalas 3, no. 1 (2020): 116–35. http://dx.doi.org/10.25077/jaga.v3i1.37.

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The purpose of this study was to compare the stability of Islamic and conventional banking in Indonesia by measuring financial distress/ bankruptcy predictions through the Altman Z-Score and Grover G-Score methods for a period from 2016 to 2018. The study evaluated 11 Islamic banks and 40 conventional banks by using Independent Sample T-Test. The results in this study indicated a difference between Islamic and conventional banking based on the Altman Z-Score and Grover G-Score methods. Calculations based on the Altman Z-Score method on Islamic banks indicated that there were 2 banks that were

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13

Kozak, Sylwester. "Concentration of Credit Exposure as a Significant Source of Risk in Banking Activities: The Idea and Methods of Estimation." e-Finanse 11, no. 3 (2015): 103–15. http://dx.doi.org/10.1515/fiqf-2016-0122.

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Abstract The simultaneous activation of many sources of risk can slow bank operations and even lead to bankruptcy. Credit risk is the greatest threat to the orderly functioning of a bank. To protect against its materialization banks spend nearly 90% of their total capital requirement. Concentration of credit exposure to single entities, as well as to single economic sectors, can be a source of additional risks. Estimation of the additional portion of the capital requirement in selected banks in Poland in 2008-2013 indicates that banks should assign additional 4% and 2% of the capital requireme

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14

Le, Tuong, Minh Thanh Vo, Bay Vo, Mi Young Lee, and Sung Wook Baik. "A Hybrid Approach Using Oversampling Technique and Cost-Sensitive Learning for Bankruptcy Prediction." Complexity 2019 (August 5, 2019): 1–12. http://dx.doi.org/10.1155/2019/8460934.

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The diagnosis of bankruptcy companies becomes extremely important for business owners, banks, governments, securities investors, and economic stakeholders to optimize the profitability as well as to minimize risks of investments. Many studies have been developed for bankruptcy prediction utilizing different machine learning approaches on various datasets around the world. Due to the class imbalance problem occurring in the bankruptcy datasets, several special techniques would be used to improve the prediction performance. Oversampling technique and cost-sensitive learning framework are two com

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15

SEN, Safa, and Sara Almeida de Figueiredo. "Predicting Bank Failures with Machine Learning Algorithms: A Comparison of Boosting and Cost-Sensitive Models." Journal of Economics, Finance and Accounting Studies 3, no. 2 (2021): 43–50. http://dx.doi.org/10.32996/jefas.2021.3.2.5.

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Predicting bank failures has been an essential subject in literature due to the significance of the banks for the economic prosperity of a country. Acting as an intermediary player of the economy, banks channel funds between creditors and debtors. In that matter, banks are considered the backbone of the economies; hence, it is important to create early warning systems that identify insolvent banks from solvent ones. Thus, Insolvent banks can apply for assistance and avoid bankruptcy in financially turbulent times. In this paper, we will focus on two different machine learning disciplines: Boos

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16

Nosan, N. "The role of banks’ financial recovery in the context of increasing public confidence in banking system of Ukraine." Galic'kij ekonomičnij visnik 66, no. 5 (2020): 113–19. http://dx.doi.org/10.33108/galicianvisnyk_tntu2020.05.113.

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The role of reorganization measures in improving the financial condition of troubled banks in Ukraine in order to increase public confidence in banking system is investigated in this paper. It is noted that instability of the banking system of Ukraine reduces the liquidity of banking institutions, can result in bankruptcy. The application of ineffective rehabilitation tools can lead to the institution dissolution. It reduces the level of public confidence in banking system of Ukraine. Five main factors of the low level of public confidence in banking system of Ukraine (massive bank closing, lo

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17

Hidayati, Lina Nur. "Pengaruh Kecukupan Modal (CAR), Pengelolaan Kredit (NPL), dan Likuiditas Bank (LDR) Terhadap Probabilitas Kebangkrutan Bank (Studi pada Bank Umum Swasta Devisa yang tercatat di BEI tahun 2009 – 2013)." JURNAL ILMU MANAJEMEN 12, no. 1 (2015): 38–50. http://dx.doi.org/10.21831/jim.v12i1.11741.

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The purpose of this research is to provide empirical evidence about using bank financial ratio to predict bank bankruptcy. The variables which used are seven financial ratios, CAR (capital adequacy ratio), NPL (non performing loan), and LDR (loan to deposit ratio). The statistic methods which is used to test on the research hypothesis is logit regression.The sample of this research was extracted using purposive sampling method, comprising 7 banks taken from BEI for the period of 2009, 2010, 2011, 2012, 2013. From sample, there are 7 banks, consist of 4 nontrouble banks and 3 trouble banks. The

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18

Amar, Shafiq. "Analysis of Key Determinants of Insolvency Risk in Commercial Banks: An Insight from Pakistani Banking Sector." Journal of Management & Educational Research Innovation 2, no. 2 (2024): 1–12. https://doi.org/10.5281/zenodo.12790371.

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Banking organizations operate in an unpredictable and risky environment, necessitating the development of strategies to enhance performance and prevent bankruptcy. This study aims to analyze the factors affecting Pakistan's commercial banks' financial stability, focusing on the key reasons for insolvency risk and the impact of risk on the bank's revenue generation factor. Unsatisfactory risk control strategies can decrease efficiency and lead to insolvency. The study analyzes data from 22 commercial banks using the two-step generalized method to measure strategies to reduce insolvency risk. It

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19

Malikova, Dilrabo. "ECONOMIC SECURITY OF COMMERCIAL BANKS AND METHODOLOGY FOR ASSESSING THE LEVEL OF ITS PROVISION." Economics and education 24, no. 1 (2023): 182–88. http://dx.doi.org/10.55439/eced/vol24_iss1/a27.

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The need for an adequate assessment of the economic security for each bank is one of the main tasks, since this will identify potentially dangerous risk factors, with a view to their subsequent minimization in order to reduce the level of probability of financial losses and reduce the likelihood of bankruptcy. The paper discusses methods for assessing the level of economic security of commercial bank, as well as presents the factors affecting the economic security of banks, criteria and indicators for assessing the financial stability of commercial banks

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20

Artemenko, Dmytro. "MONITORING AND EVALUATION OF THE COMPONENTS OF STATE REGULATORY INFLUENCE ON THE ACTIVITY OF BANKS IN UKRAINE." Green, Blue & Digital Economy Journal 2, no. 3 (2021): 1–6. http://dx.doi.org/10.30525/2661-5169/2021-3-1.

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The purpose of the study is to enhance the scientific-theoretical foundations and to develop recommendations for the formation of a comprehensive regulatory impact of the state on the activities of banks. The main objectives of the study were: determination of the organizational and economic essence of the regulatory influence of the state on the activities of banks; classification of components of complex regulatory influence; determination of indicators for monitoring methodological approaches to the assessment of the target criterion of regulatory impact; classification of measures to monit

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21

Vasyliev, O. V., and K. Y. Budnyk. "Diagnostics of crisis state and threat of enterprise bankruptcy." Economic Herald of SHEI USUCT 17, no. 1 (2023): 12–19. http://dx.doi.org/10.32434/2415-3974-2022-17-1-12-19.

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The article discusses methods for diagnosing the crisis state and bankruptcy threat of an enterprise. The relevance of this issue lies in the possibility of adapting to critical situations such as internal errors, economic crises, pandemics, martial law, and others. Every enterprise faces problems throughout its existence, and information about these problems is crucial to maintaining stability. Since the 1960s, many diagnostic methods have appeared and continue to develop. From the coefficients created by Beaver or Springate, the theory has evolved into sophisticated ranking methods that are

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Boyko, N. E., and E. A. Kalinina. "FORECASTING THE PROBABILITY OF BANKRUPTCY OF THE ENTERPRISE RAPID DIAGNOSTIC METHODS." Vestnik Volzhskogo universiteta im V N Tatishcheva 2, no. 1 (2022): 179–90. http://dx.doi.org/10.51965/20767919_2022_2_1_179.

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23

Alrawashdeh, Mufda Jameel, Taha Radwan Radwan, and Kalid Abunawas Abunawas. "Performance of Linear Discriminant Analysis Using Different Robust Methods." European Journal of Pure and Applied Mathematics 11, no. 1 (2018): 284. http://dx.doi.org/10.29020/nybg.ejpam.v11i1.3176.

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This study aims to combine the new deterministic minimum covariance determinant (DetMCD) algorithm with linear discriminant analysis (LDA) and compare it with the fast minimum covariance determinant (FastMCD), fast consistent high breakdown (FCH), and robust FCH (RFCH) algorithms. LDA classifies new observations into one of the unknown groups and it is widely used in multivariate statistical analysis. The LDA mean and covariance matrix parameters are highly influenced by outliers. The DetMCD algorithm is highly robust and resistant to outliers and it is constructed to overcome the outlier prob

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Dinçer, Hasan, Ümit Hacıoğlu, and Serhat Yüksel. "A Strategic Approach to Global Financial Crisis in Banking Sector." International Journal of Sustainable Economies Management 6, no. 1 (2017): 1–21. http://dx.doi.org/10.4018/ijsem.2017010101.

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Financial crisis affected many people and companies in the world negatively in terms of job loss and bankruptcy. Owing to this aspect, today many banks developed strategies in order to minimize the effects of any potential crisis which might be occurred in the future. Present study aims to evaluate the strategies of Turkish banks to minimize the effects of financial crisis by using fuzzy ANP and fuzzy TOPSIS methods. The study identifies that capital injection is the most significant strategy whereas the strategy of decreasing interest rate has the weakest importance. In addition to this aspec

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Попова, Светлана, Svetlana Popova, Ольга Зотикова, Olga Zotikova, Светлана Ливадина, and Svetlana Livadina. "Methods of diagnostics of fictitious and deliberate bankruptcy on the basis of financial statements." Services in Russia and abroad 8, no. 9 (2014): 56–64. http://dx.doi.org/10.12737/10796.

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In the current situation in the field of competition, globalization and integration of the world economy a modern organization must be highly competitive, financially stable, with high adaptation to changes in internal and external environment. Sharp fluctuations in external conditions, particularly complicating the process of management, may lead the company to bankruptcy. Bankruptcy can be related to numerous credit and financial relations, and is characterized by such a state of an organization in which it is impossible to pay obligations. In a situation where the cash amount of liabilities

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26

Акбашева, Д. М., М. А. Байрамкулова та А. А. Татаркулова. "Банкротство и его влияние на кредиторов". Industrial Economics, S2 (28 грудня 2024): 139–42. https://doi.org/10.47576/2949-1886.2024.36.40.020.

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В статье рассматривается влияние процедуры банкротства на кредиторов, в том числе на банки, поставщиков и частных инвесторов. Особое внимание уделяется экономическим последствиям банкротства, а также стратегическим действиям кредиторов в условиях финансовых трудностей заемщика. Исследуются методы снижения рисков и возможные пути сотрудничества между должниками и кредиторами, а также предлагаются рекомендации по улучшению механизмов управления задолженностью. The article examines the impact of bankruptcy proceedings on creditors, including banks, suppliers and private investors. Special attenti

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Акбашева, Д. М., М. А. Байрамкулова та А. А. Татаркулова. "Банкротство и его влияние на кредиторов". Journal of Applied Research, № 3 (22 березня 2025): 50–53. https://doi.org/10.47576/2949-1878.2025.3.3.007.

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В статье рассматривается влияние процедуры банкротства на кредиторов, в том числе на банки, поставщиков и частных инвесторов. Особое внимание уделяется экономическим последствиям банкротства, а также стратегическим действиям кредиторов в условиях финансовых трудностей заемщика. Исследуются методы снижения рисков и возможные пути сотрудничества между должниками и кредиторами, а также предлагаются рекомендации по улучшению механизмов управления задолженностью. The article examines the impact of bankruptcy proceedings on creditors, including banks, suppliers and private investors. Special attenti

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Hladkykh, Dmytro. "Expected impact of the bankruptcy of leading foreign banks on the banking system of Ukraine." Scientific Papers NaUKMA. Economics 8, no. 1 (2023): 25–31. http://dx.doi.org/10.18523/2519-4739.2023.8.1.25-31.

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The purpose of the article is to study the problems associated with the possible unfolding of the banking crisis in the USA and European countries, the content of state regulatory measures aimed at ensuring the financial stability of Ukrainian banks, which will be implemented consecutively from February 2022, the justification of additional, most urgent measures aimed at overcoming existing problems in the country’s banking system. General scientific and special methods are used: analysis, synthesis, grouping, description, comparison, theoretical generalization and abstract-logical. In the cou

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Viswanathan, P. K., Suresh Srinivasan, and N. Hariharan. "Predicting Financial Health of Banks for Investor Guidance Using Machine Learning Algorithms." Journal of Emerging Market Finance 19, no. 2 (2020): 226–61. http://dx.doi.org/10.1177/0972652720913478.

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While earlier studies have focused excessively on bankruptcy prediction of banks, this study classifies banks based on their financial strength from the perspective of retail depositors who currently do not have an authentic guiding framework that helps them identify banks with higher risk profiles. Using machine learning techniques, we classify 44 Indian banks into distinct categories of financial health based on 12-year data from 2005 to 2017. We first use unsupervised learning to identify a pattern leading to logical groups in terms of financial health and then move to supervised learning f

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Makttoof, Hanadi Seqar. "The Effect of Default Risk on Cash Flow Profitability Indicators: Analytical Research for a Sample of Iraqi Private Banks." International Journal of Research in Social Sciences and Humanities 13, no. 02 (2023): 63–74. http://dx.doi.org/10.37648/ijrssh.v13i02.005.

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Focusing on the negative role of default risk on banks, as it is one of the most important risks facing banks, which are difficult to determine accurately, and its reflection on the indicators of profitability of cash flows. The increasing competition between banks led to an increase in the credit facilities granted by banks, and was accompanied by an increase in exposure to the risks of default, which led to an impact on the level of performance of banks in terms of achieving the required return according to the levels of high competition. Therefore, the problem of this study focused on the e

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Lytova, Anastasia S. "TRENDS IN CURRENT METHODS OF REHABILITATION AS PROSPECTS FOR THE DEVELOPMENT OF A MECHANISM FOR PREVENTING BANK BANKRUPTCY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 9/1, no. 139 (2023): 47–53. http://dx.doi.org/10.36871/ek.up.p.r.2023.09.01.006.

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In recent years, the activities of Russian commercial banks have been influenced by a complex of external and internal factors, which requires strengthening the adaptation of banking models to the conditions of an unstable economic environment and creating a margin of financial strength for its continuation. At the same time, the ability to identify negative trends in the bankruptcy prevention mechanism will make it possible to take preventive measures to prevent it both by the regulator and the credit institution itself, which is a trigger for the development of the banking sector. It is impo

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T. O. MELIKHOVA. "ANALYSIS OF THE FINANCIAL SITUATION AND THE IDENTIFICATION OF THREATS AS A MEANS OF FORECASTING THE PROBABILITY OF BANKRUPTCY OF AN INDUSTRIAL ENTERPRISE." REVIEW OF TRANSPORT ECONOMICS AND MANAGEMENT, no. 1(17) (June 24, 2019): 48–57. http://dx.doi.org/10.15802/rtem.v0i1(17).176496.

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The purpose. The work is devoted to the analysis of the financial condition and the identification of threats as a means of predicting the probability of bankruptcy an industrial enterprise. The methodology. To solve the tasks it`s proposed to apply the methodology for predicting the probability of bankruptcy of an enterprise. The results. The paper considers the existing indicators of financial analysis of an industrial enterprise which are often used in practice. They have certain drawbacks since it`s difficult to choose a convenient methodology for conducting financial analysis through thei

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Puri, Pustika Ayuning, Giantoro Pamungkas, Siti Nurhasanah, and Alfan Farikhi. "Analisis Probabilitas Kebangkrutan Bank Umum Swasta Nasional di Masa Pandemi." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 3 (2023): 3534–47. http://dx.doi.org/10.47467/alkharaj.v6i3.5150.

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At the end of 2019, the world was shocked by the phenomenon of the Covid-19 virus which caused significant changes to the economies of all countries, including Indonesia, where to date 6 million cases have been recorded. The implementation of the Large-Scale Social Restrictions (PSBB) policy implemented by the government has had an impact on the country's economic sector where many companies have closed down. This bankruptcy occurs due to financial distress, which is a condition where a company or individual cannot generate sufficient income or profit. Based on this phenomenon, researchers are

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Stadniychuk, Roman. "Assessment of the current state of the use of non-monetary methods of state regulation of financial recovery of banks." Technology audit and production reserves 1, no. 4(57) (2021): 54–58. http://dx.doi.org/10.15587/2706-5448.2021.225700.

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The object of research is the processes of state regulation of financial recovery of banks by non-monetary methods. One of the most problematic areas is determining the practical aspects of regulating the financial recovery of banks by non-monetary methods, which include: – establishment of mandatory requirements for banking services and business processes; – carrying out checks and taking measures in the event of a violation; – establishment of methods of organizing or conducting banking activities in the process of financial recovery; – licensing rules. An important aspect is the identificat

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Nirmal, Kumar Chhimpa Dr. Swati Choudhary. "Comparative Study on Non-Performing Assets (NPAs) Pre and Post Basel III in Indian Banking Sector." International Educational Applied Research Journal 09, no. 04 (2025): 40–51. https://doi.org/10.5281/zenodo.15297868.

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<strong>Abstract</strong> The Indian banking sector, serving as a critical pillar of the country’s economy, has long grappled with the persistent challenge of NPAs—loans or advances that no longer yield returns for banks. The implementation of Basel III regulations, characterized by heightened capital adequacy and risk management standards, sought to fortify banking systems worldwide, including those in India. This study investigates the influence of Basel III on NPAs within the Indian banking industry by contrasting the pre-Basel III era (2005–2012) with the post-Basel III p

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Ramu, Kunta, and V. Ravi. "Privacy preservation in data mining using hybrid perturbation methods: an application to bankruptcy prediction in banks." International Journal of Data Analysis Techniques and Strategies 1, no. 4 (2009): 313. http://dx.doi.org/10.1504/ijdats.2009.027509.

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Roman, Stadniychuk. "Assessment of the current state of the use of non-monetary methods of state regulation of financial recovery of banks." Technology audit and production reserves 1, no. 4(57) (2021): 54–58. https://doi.org/10.15587/2706-5448.2021.225700.

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<em>The object of research is the processes of state regulation of financial recovery of banks by non-monetary methods. One of the most problematic areas is determining the practical aspects of regulating the financial recovery of banks by non-monetary methods, which include:</em> <em>– establishment of mandatory requirements for banking services and business processes;</em> <em>– carrying out checks and taking measures in the event of a violation;</em> <em>– establishment of methods of organizing or conducting banking activities in the process of financial rec

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Dyakonova, O. S., and N. V. Kovaleva. "ASSESSMENT OF THE FINANCIAL CONDITION OF RUSSIAN BANKS AND WAYS TO IMPROVE." Vestnik Universiteta, no. 1 (March 23, 2020): 137–43. http://dx.doi.org/10.26425/1816-4277-2020-1-137-143.

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The indicators, necessary for the improvement of the system of assessment of the financial condition of the banks of Russia, have been analyzed. The reasons of inefficient assessment of the bank’s activity results and the resulting negative consequences have been considered. The hypothesis about the necessity of application of methods of forecasting at acceptance of strategically important administrative decisions and expert estimation of a current situation for avoidance of the critical situations, leading to bankruptcy and insolvency in the sphere of bank activity has been put forward. The m

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Petyk, Liubov O., Olga Yu Klepanchuk, and Diana O. Koren. "The Monitoring of Financial Insolvency and Probability of Bankruptcy." Business Inform 12, no. 539 (2022): 237–42. http://dx.doi.org/10.32983/2222-4459-2022-12-237-242.

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In countries with unstable economies and changing political systems, as well as adverse climatic conditions, the likelihood of bankruptcy is higher. Economic and political instability is now observed in Ukraine, where, due to hostilities, part of the business was forced to emigrate to safer places of doing business, and other part stopped operating. The increased pace of inflation, the unstable exchange rate of the national currency, the decline in business activity, the outflow of labor and investments from the country, including those related to scientific and technical developments, had a n

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Zixin, Huang, Hai Long, and Bae Hyun. "Asset Allocation and Bank Resilience: China Insights." Mathematics and Computer Science 9, no. 4 (2024): 64–73. http://dx.doi.org/10.11648/j.mcs.20240904.11.

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This research is based on the panel data from the annual reports of Chinese commercial banks for the years 2010-2020. A panel data model is constructed to empirically investigate the influence of commercial banks&apos; asset allocation on financial stability. The study innovatively explores the differences between large-scale banks and general-scale banks in this context, as well as the interaction effects between large-scale banks and their methods of capital application. The findings indicate that: firstly, the higher the proportion of corporate loans in commercial banks, the stronger th

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Ikramina, Cyntia, and Puji Sucia Sukmaningrum. "MACROECONOMIC FACTORS ON NON-PERFORMING FINANCING IN INDONESIAN ISLAMIC BANK: ERROR CORRECTION MODEL APPROACH." Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 7, no. 1 (2021): 34. http://dx.doi.org/10.20473/jebis.v7i1.23647.

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Non-performing Financing (NPF) is a ratio to measure the non-performing finance level in Islamic banks and one indicator of Islamic banking's health. The higher NPF indicates the quality of the bank's financing was terrible. This study aims to determine several macroeconomic factors on the NPF ratio in Islamic commercial banks in Indonesia. This study applies Error Correction Model (ECM) with saturated sample methods. Sources of data from the official websites of the Financial Authority Services (OJK), Bank Indonesia (BI), and Indonesia Statistics Bureau (BPS). The sample used was Islamic comm

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SHARMA, TISHA. "Non -Performing Assets." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50639.

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ABSTRACT Non-Performing Assets (NPAs) have emerged as a major challenge for the Indian banking sector, particularly affecting public sector banks. This paper examines the causes of NPAs, their implications on the economy and banking operations, and evaluates the effectiveness of policy measures such as the Insolvency and Bankruptcy Code (IBC) and SARFAESI Act. Using a mixed-methods approach—including survey data and secondary sources like RBI reports—the study finds that poor credit appraisal, delayed legal processes, and weak monitoring are key drivers of NPAs. The paper suggests technology-b

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Jalinik, Mikołaj, and Krzysztof Łukaszuk. "The Role of Cooperative Bank in the Development of Agricultural Holdings Based on the Example of the Bielsk Podlaski County." Economic and Regional Studies / Studia Ekonomiczne i Regionalne 12, no. 2 (2019): 146–57. http://dx.doi.org/10.2478/ers-2019-0014.

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SummarySubject and purpose of work: The aim of the work is to define the importance of banks in the development of agricultural holdings and the role they play in rural environment.Materials and methods: The relevant material was analysed on the basis of domestic literature concerning a range of banking products offered to natural and legal persons and by the inductive-deductive method.Results: The source of data used for conducting the analyses and drawing conclusions is the information obtained from the Cooperative Bank in Bielsk Podlaski.Conclusions: 1. The goal of cooperative banks is to p

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Chernichenko, Svetlana, and Roman Kotov. "Methodological Tools for Diagnosing Insolvency (Bankruptcy) of Organizations in the Anti-Crisis Management System." Food Processing: Techniques and Technology 50, no. 4 (2020): 588–601. http://dx.doi.org/10.21603/2074-9414-2020-4-588-601.

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Introduction. Bankruptcy is the most important element of legal regulation of modern market relations. National economy has to be able to predict a potential default in the general system of anti-crisis management. Therefore, it needs advanced techniques and tools of anti-crisis diagnostics for the timely management solutions. Study objects and methods. The analytical information presented in this work is multi-tiered and reflects the all-Russian, industrywide, regional, regional-industry, and corporate levels. The research featured agricultural enterprises of the Kemerovo region. The in

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Zarutska, О., and R. Pavlov. "TRANSPARENCY OF BANKING SUPERVISION AS A NECESSARY CONDITION FOR THE INDEPENDENCE OF THE NATIONAL BANK OF UKRAINE." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 3 (2020): 54–62. http://dx.doi.org/10.21272/1817-9215.2020.3-6.

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The article describes modern approaches to banking supervision, focused on the study of business models of banks and their risk profile. Approaches to determining the regime of supervision and measures to influence banks should take into account the specifics of their financial condition and the city in the market of banking services. Supervision tools should be objective and transparent. The introduction of innovative methods for determining business models and adequate supervisory actions is especially relevant in the period of instability of the banking system of Ukraine. Over the past ten

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Podtserkovnyi, Oleg, and Kristina Vozniakovska. "Ensuring the Central Bank Discretion in Issuing Stabilization Loans in Times of Covid-19 Pandemic." Ius Humani. Law Journal 9, no. 2 (2020): 65–86. http://dx.doi.org/10.31207/ih.v9i2.244.

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Restrictive measures imposed by governments around the world to counter the Covid-19 pandemic undoubtedly have a negative impact on the economy. One of the instruments of the state, which makes it possible to save entire sectors of the economy, including the banking sector, from bankruptcy, is the stabilization loans of the central bank. Accordingly, the analysis of the discretionary powers of central banks and their governing bodies in issuing stabilization loans to overcome the economic consequences of the Covid-19 pandemic is relevant and timely. The authors used different scientific method

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Vaziri, Mo, Rafiqul Bhuyan, and Ponkela Manue. "Alarming Factors in predictability of failure of financial institutions." International Journal of Business & Technology 1, no. 1 (2012): 2–10. http://dx.doi.org/10.33107/ijbte.2012.1.1.01.

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The impact of failure of financial institutions is beyond just the failure of a public corporation. The failure of financial institutions in the USA, is a clear evidence that the greater macro impact is beyond just the failure of few financial institutions. It can bring down the entire economy and can have global devastating impact. By realizing the grave systemic risk of the failure, US government is forced to intervene and bail out many institutions for greater macro-economic reasons. It raises the view that perhaps the current regulating policies and methods are lacking efficiency in predic

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Kuběnka, Michal. "Interconnection between Achieved Level of Return on Equity and Evaluation Scale of the Kralicek´S Model." INTERNATIONAL JOURNAL OF MANAGEMENT SCIENCE AND BUSINESS ADMINISTRATION 2, no. 5 (2014): 13–20. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.25.1002.

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A large number of diagnostic and predictive models exists using different or no statistical methodology. Often, diagnostic and predictive models differ in focus on branch of company, size of company, tradability of shares, country of usage, and focus on maturity of the market environment. Many of the models are widely used, however, their explanatory power is not known. Good examples of these models are those used in banks in the process of credit worthiness assessment. Some of them are created based on the Q-Test model. However, not only banks need to check the financial situation of companie

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Belova, Tat’yana V., and Irina O. Okuneva. "THE ROLE OF OFFSHORE COMPANIES IN CONCEALING ASSETS BY BENEFICIARIES CONTROLLING THE DEBTOR IN LEGAL CASES OF INSOLVENCY (BANKRUPTCY)." RSUH/RGGU Bulletin. Series Economics. Management. Law, no. 2 (2022): 129–40. http://dx.doi.org/10.28995/2073-6304-2022-2-129-140.

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This article outlines the role of offshore companies in the rela- tions of the parties in the field of insolvency (bankruptcy), the issue of finding legal methods of disclosing the connection between the actions of beneficial owners (individuals controlling the debtor) that are aimed to conceal the assets of the debtor in offshore zones and to bring those individuals to responsibility in order to compel them to return the funds withdrawn from the Russian Fe-deration and to pay the debt of their controlled enterprise in favor of the bona fide creditors. The concepts and norms of the Russian Cod

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Artemenko, Dmytro, and Vasyl Stoliarov. "Regulatory impact of the state on the activities of banks as a category of system management (essence and metrology)." Fìnansi Ukraïni 2024, no. 10 (2024): 49–66. https://doi.org/10.33763/finukr2024.10.049.

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Introduction. System management is based on the recognition of management objects as integral groups. The essence of the regulatory influence of the state on the activities of a bank is considered as a way to change project standards and current indicators of its financial stability with the justification of organizational measures to ensure stable functioning and development. Problem Statement. System management of an integral group involves a systemic analysis of the management object as a single whole with the determination of the properties and relationships of the system components: input

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