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Journal articles on the topic 'Commercial banks'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Syafitri, Nadillah, and Grisvia Agustin. "Social Engineering SWOT Analysis in Government-Owned Commercial Banks and National Private Commercial Banks." KINERJA 27, no. 2 (2023): 265–81. http://dx.doi.org/10.24002/kinerja.v27i2.6685.

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This research examines the phenomenon of social engineering at government-owned commercial banks and national private commercial banks. The research method used is descriptive qualitative with a literature study. The research results show the bank's strengths, weaknesses, opportunities, and threats. In addition, several strategies are recommended for banks to prevent social engineering attacks, namely building information technology in banking according to the standards and regulations of the Financial Service Authority (Otoritas Jasa Keuangan), utilizing social media as an educational tool, t

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2

Manda, Gusganda Suria, and Rina Maria Hendriyani. "ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE PROFIL RISIKO, TATA KELOLA PERUSAHAAN YANG BAIK, PENDAPATAN & MODAL (Studi Komparasi Antara Bank Umum Konvensional dan Bank Umum Syariah Di Indonesia Lemabaga yang Terdaftar Pada Otoritas Layanan Keuangan." Eqien: Jurnal Ekonomi dan Bisnis 7, no. 1 (2020): 68–77. http://dx.doi.org/10.34308/eqien.v7i1.123.

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This analysis aims to find out, analyze and explain how the bank's soundness level compares with the Risk Profile, Good Corporate Governance, Earning and Capital methods in accordance with applicable regulations. This research was conducted using a comparative descriptive method with a quantitative approach. The results of the analysis of this study the authors get that Conventional Commercial Banks have a Risk Profile (NPL ratio) with a rating of "Good" better than a Sharia Commercial Bank with a rating of "Fairly Good". Conventional Commercial Banks have a Risk Profile (LDR) high

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3

Gao, Yuanlong. "Research on the Banking and Finance System Under the Mathematical Model of Risky Decision-Making." Highlights in Business, Economics and Management 20 (November 30, 2023): 63–69. http://dx.doi.org/10.54097/hbem.v20i.12321.

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In the informationization process of China's commercial banks, how to effectively manage and evaluate them has become an urgent problem for China's commercial banks. The article analyzes the characteristics and risks of the commercial bank's information system. And put forward a method and process of evaluating it, thus constructing a model of risk control and evaluation for the information system of commercial banks.

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Sahiti, Arbana, Sevdie Alshiqi, Inna Neskorodieva, Arben Sahiti, and Xhelil Bekteshi. "Managing Credit Risk Strategies for Commercial Banks: The Case of Kosovo." Journal of Eastern European and Central Asian Research (JEECAR) 9, no. 2 (2022): 309–18. http://dx.doi.org/10.15549/jeecar.v9i2.847.

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The study aims to substantiate effective strategies to manage credit risks in commercial banks, for example, Kosovo. Based on the annual financial statements of commercial banks in Kosovo for 2010-2020. We built polynomial regression models to assess the impact of credit risk on the bank's financial stability. Empirically, determined and argued the different nature of the credit risks influencing the bank's financial stability according to various on the assets size of commercial banks. Preventive and reactive scenarios for minimizing the negative impact of credit risk on the financial stabili

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Girma, Gudde Jote. "Determinants of the Profitability of Commercial Banks in Ethiopia." International Journal of Management Sciences and Business Research 10, no. 10 (2021): 09–25. https://doi.org/10.5281/zenodo.5715952.

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<em>The purpose of this study was to examine the determinants of the profitability of commercial banks in Ethiopia. To this end, explanatory study was carried out on the selected nine commercial banks. The study observes the effect of independent variables on the profitability, Return on Assets (ROA) was used as a fundamental index of profitability. The researcher used secondary data in general and annual financial statements of selected commercial banks, and macroeconomic data about GDP growth rate and inflation rate in particular. The study employed a purposive sampling technique to select a

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6

D, VENKATRAMA RAJU, KAMARAJ S, and KANNAN J. "CRM Practices of Commercial Banks." Journal of Research on the Lepidoptera 50, no. 1 (2019): 23–29. http://dx.doi.org/10.36872/lepi/v50i1/201053.

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7

Sun, Yalong. "Financial Technology Level and Credit Structure Adjustment of Commercial Banks." Journal of Economics and Public Finance 9, no. 4 (2023): p131. http://dx.doi.org/10.22158/jepf.v9n4p131.

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Under the traditional bank credit model, due to financial control and risk considerations, the growth of commercial bank credit scale is limited. Banks often adopt short-term credit strategies and tend to issue guaranteed loans instead of credit loans. In recent years, the development of financial technology in commercial banks has broken the credit resource allocation model of the traditional financial system to a certain extent, which is of great significance for optimizing the credit structure of commercial banks. This paper first analyzes the path of the development of commercial bank fina

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8

Cai, Yumeizhu. "Risk Assessment for Canadian Commercial Banks." Advances in Economics, Management and Political Sciences 23, no. 1 (2023): 223–28. http://dx.doi.org/10.54254/2754-1169/23/20230382.

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More and more individuals, businesses, and financial institutions are realizing the importance of risk management, and it is also an integral part of the development process for commercial banks. Most people do not consider the significant risks that banks face when conducting transactions and that this is a key factor in the survival of the bank. Therefore, this paper examines how Canadian commercial banks manage risks and explores the objective causes of increased risk by collecting annual data from Toronto-Dominion Bank (TD) and comparing and analyzing it with the data of previous years. Th

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9

Makanile, David, and Pastory Dickson. "Determinants of lending behaviour of commercial banks in Tanzania." International Journal of Research in Business and Social Science (2147- 4478) 11, no. 2 (2022): 260–69. http://dx.doi.org/10.20525/ijrbs.v11i2.1638.

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This paper assesses the determinants of the lending of six commercial banks in Tanzania from 2015 to 2019 using a quantitative research design. The data were collected from Annual Reports of the six commercial banks. The results show that liquidity and capital adequacies have a significant relationship with lending, whereas interest rate and management efficiency have no statistically significant influence on lending. Thus, effective policies should be developed to ensure commercial banks grow and be able to advance more credit. Additionally, the banking sector needs to prioritize increasing t

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10

YE, KANGWEI. "OFF-BALANCE SHEET ACTIVITIES AND BANK RISKS: AN INVESTIGATION OF THE LISTED COMMERCIAL BANKS IN CHINA (1999–2013)." Annals of Financial Economics 10, no. 01 (2015): 1550004. http://dx.doi.org/10.1142/s2010495215500049.

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Based on a broad set of 16 listed commercial banks in China during the period 1999–2013, this paper makes the empirical analysis of the relationship between the development of off-balance sheet (OBS) activities and the banks' overall risk, bankruptcy risk and credit risk. Innovation of this article is mainly reflected in: (1) Considering different types of risk variables, it gives a more comprehensive disclosure of the bank's risk characteristics. (2) Dividing the research object into joint-stock commercial banks and state-owned commercial banks, and get some new test results: The development

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11

Wang, Mingming. "Research on the Bankruptcy Tendency of the United States Bankrupt Commercial Banks during the 2008 financial crisis." International Journal of Business and Management 4, no. 2 (2024): 8. http://dx.doi.org/10.56028/ijbm.2.4.8.2024.

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With the rapid development of the financial market, banks are faced with increasingly frequent capital flows and rapidly changing business environment. It is an important prerequisite for commercial banks to control their liquidity risk to deeply study the causes of liquidity risk and clarify its economic consequences. In the financial crisis during 2007-2009, American commercial banks were directly impacted by liquidity risk. The characteristics of their bankrupted banks are of great significance to the study of how to avoid bank liquidity losses. This study found that in aspect of the probab

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Alebachew Legass, Habtamu, Anwar Adem Shikur, and Omer Mohammed Ahmed. "Determinants of Commercial Banks Deposit Growth Evidence from Ethiopian Commercial Banks." Journal of Finance and Accounting 9, no. 6 (2021): 207. http://dx.doi.org/10.11648/j.jfa.20210906.11.

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13

Thiong’o, Paul Kiama, Matata Kilungu, and Charles Guandaru Kamau. "Loan Portfolio Growth and FinancialPerformance of Commercial banks in Kenya." East African Finance Journal 3, no. 1 (2024): 27–47. http://dx.doi.org/10.59413/eafj/v3.i1.2.

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Loans comprise the single largest asset for commercial banks. To grow the bank's assets, bank managers focus on increasing the number of loans granted by the bank. The general objective of this study was to evaluate the effect of growth in loan portfolios on the financial performance of commercial banks in Kenya. The study used a regression research design. The population of interest consisted of the 44 commercial banks in Kenya. A sample of 31 commercial banks was selected. The study covered a five-year period, from 2011 to 2015. Multiple-linear regression was also used in the analysis. The s

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Geneveive, O. Agravante, Michaela DJ Capucao Celine, B. Gamayot Angelo, Allaine Z. Monasterial Keith, Nico A. Ogarte, and Diane Y. Rojas Angel. "SUSTAINABILITY OF COMMERCIAL BANKS IN NAGA CITY: THE TRIPLE BOTTOM LINE FRAMEWORK." GPH-International Journal of Business Management 07, no. 07 (2024): 106–27. https://doi.org/10.5281/zenodo.13384151.

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A business' sustainability performance is an essential aspect of aiming for success. The triple bottom line concept emphasizes that economic performance, societal impacts, and environmental accountability can measure sustainability. This study determines and evaluates the sustainability level of commercial banks in Naga City from 2019-2021. With this, developmental plans were crafted: the FUND's Model, PLAN SIKWAT, and PLAN GREEN. Using a descriptive-correlational design, the researchers conducted surveys and interviews with ten (10) respondents, which revealed that: Naga City has a greater ne

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15

Rashedul Azim, Md, and Saifun Nahar. "Evaluation of Internal Factors Indicating Bank Profitability in Commercial Banks Bangladesh." International Journal of Science and Research (IJSR) 10, no. 8 (2021): 443–50. https://doi.org/10.21275/sr21806141556.

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16

Komil, Urinov. "DEPOSITS HELD BY COMMERCIAL BANKS IN UZBEKISTAN." European International Journal of Multidisciplinary Research and Management Studies 02, no. 07 (2022): 64–75. http://dx.doi.org/10.55640/eijmrms-02-07-13.

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The function of banks in the economy and the resource basis of commercial banks are only two of the topics covered in this essay on commercial banking in Uzbekistan. Additionally, the deposit activities of commercial banks are taken into account, and the deposit base of commercial banks in Uzbekistan is examined. Additionally, the essay discusses how important deposits are to commercial banks' operations, and it concludes by mentioning study findings that will help Uzbek banks' deposit bases grow.

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17

Baqir, Muhammad, Sajid Hussain, K. M. Anwarul Islam, and Rashid Waseem. "Comparison of Financial Performance Private Commercial Bank in Pakistan." American Finance & Banking Review 5, no. 2 (2020): 5–17. http://dx.doi.org/10.46281/amfbr.v5i2.841.

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Commercial banks play an important role for the purpose of sustainable economic development in a country. This paper main theme to presents the comparison of financial performance between private commercial banks in Pakistan during the period of 2015–2019 by using the method of ratio analysis and some other financial indicators. Fourteen Commercial banks out of fifteen banks are selected for comparison of financial analysis. Due to the unavailability of data, the remaining one bank is not chosen for study because, yet they did not publish their final report in 2019. The data of ratio analysis

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18

Akmal, Denara. "Islamic Corporate Social Responsibility Disclosure, Profitability, and Visibility of Sharia Commercials Bank in Indonesia." Jurnal Perbankan Syariah 2, no. 2 (2023): 01–11. http://dx.doi.org/10.20414/jps.v2i2.8676.

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The purpose of this study is to analyze the effect of profitability and visibility on Islamic Corporate Social Responsibility Disclosure (ICSRD) of Islamic Commercial Banks in Indonesia for the period 2020 – 2022. This research is a quantitative study using secondary data from the Islamic Commercial Bank's Annual Reports and Sustainability Reports. The effects are examined based on content analysis of 9 Islamic Commercial Banks in Indonesia using a purposive sampling technique. The results showed that profitability and visibility simultaneously had a significant effect on the ICSRD of Islamic

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Akmal, Denara. "Islamic Corporate Social Responsibility Disclosure, Profitability, and Visibility of Sharia Commercials Bank in Indonesia." West Science Accounting and Finance 1, no. 03 (2023): 138–45. http://dx.doi.org/10.58812/wsaf.v1i03.332.

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The purpose of this study is to analyze the effect of profitability and visibility on Islamic Corporate Social Responsibility Disclosure (ICSRD) of Islamic Commercial Banks in Indonesia for the period 2020 – 2022. This research is a quantitative study using secondary data from the Islamic Commercial Bank's Annual Reports and Sustainability Reports. The effects are examined based on content analysis of 9 Islamic Commercial Banks in Indonesia using a purposive sampling technique. The results showed that profitability and visibility simultaneously had a significant effect on the ICSRD of Islamic

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20

Hoque, Md Ariful, Afzal Ahmad, Mustafa Manir Chowdhury, and Mohammad Shahidullah. "Impact of Monetary Policy on Bank’s Profitability: A Study on Listed Commercial Banks in Bangladesh." International Journal of Accounting & Finance Review 5, no. 2 (2020): 72–79. http://dx.doi.org/10.46281/ijafr.v5i2.796.

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Monetary policy is the policy by which the government of a country control supplies of money in an economy which is announced by the central bank for every six months. Central Bank carries out monetary policy by the banking system of a country. Central Bank uses Bank rate; Cash reserve ratio and open market operation to control the availability of funds in an economy. Within these three instruments, the cash reserve ratio is directly linked to the commercial bank's profitability. Every commercial bank maintains a cash reserve ratio against their demand & time deposits. Being changes in the

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21

Thu, Trang Nguyen Thi, Hang Do Thu, Huong Tran Thi Thu, and Huong Nguyen Thi Diem. "Interest rate risk in banking book management at commercial banks in Vietnam." Edelweiss Applied Science and Technology 8, no. 6 (2024): 3361–80. http://dx.doi.org/10.55214/25768484.v8i6.2718.

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Interest rate risk is potentially averse to a commercial bank's trading book and banking book. The sharp and rapid volatility of interest rates can push commercial banks to fall into difficult situations, thus leading to instability of the whole banking system. Therefore, interest rate risk in banking book (IRRBB) management plays a vital role in banking operations. This paper analyzes the current management of IRRBB at 21 commercial banks in Vietnam by doing in-depth interviews and questionnaires. The finding indicates that the level of IRRBB management of commercial banks in Vietnam is mostl

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22

Anggraini, Dita, and Mohamad Irsyad. "Determinants of Efficiency of Islamic Commercial Banks in Indonesia." MARGINAL JOURNAL OF MANAGEMENT ACCOUNTING GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 4, no. 3 (2025): 517–31. https://doi.org/10.55047/marginal.v4i3.1701.

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Islamic banking plays a crucial role in Indonesia's economy and faces risks that impact the sustainability of bank performance as a mediator in the financial system. For the sake of the bank's sustainability, it is necessary to measure efficiency and control risk, measuring the level of efficiency is better than measuring profitability because it is measured by various outputs and inputs, so it does not only focus on company profits. This research aims to investigate the influence of NPF, FDR, BOPO, and CAR on the efficiency of Islamic commercial banks. The research employs quantitative techni

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23

Ahmad Zeb (Corresponding author), Anam Ashraf, Sara Israr, and Dasrat Rai Meghwar. "FINANCIAL TECHNOLOGY'S IMPACT ON THE NON-PERFORMING LOANS HELD BY COMMERCIAL BANKS IN PAKISTAN." Kashf Journal of Multidisciplinary Research 1, no. 12 (2024): 1–10. https://doi.org/10.71146/kjmr175.

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The aim of this research is to examine how financial technology affects a commercial bank's nonperforming loan ratio. Data for this research was gathered from 15 Pakistani commercial banks using the purpose sampling approach. An index is used to assess banks' financial technology. The two control variables are GDP growth and inflation. The outcome demonstrates that the percentage of non-performing loans at banks is significantly improved by financial technology activities. As financial technology advances, Pakistan's commercial banks' nonperforming loan ratio rises. Since financial technology

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Bian, Tianxu, and Caibin Zhu. "Research on Green Ecological Innovation Index of Chinese Commercial Banksese Commercial Banks." Advances in Economics, Management and Political Sciences 63, no. 1 (2023): 1–14. http://dx.doi.org/10.54254/2754-1169/63/20231363.

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The development of green finance by commercial banks is a key way to achieve the goal of "carbon peak and carbon neutrality" in China. This paper uses entropy method to collect data from the social responsibility report and annual report of commercial banks, establishes the green ecological innovation index of commercial banks, and evaluates the development of green finance of commercial banks in recent years, and finds that the development of green finance of Chinese commercial banks is on the rise; In terms of organizational innovation, the management policies and full-time institutions of c

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Terer, Obed Kipkirui, Lucy Wamugo Mwangi, and Job Omagwa. "Transaction Monitoring Effect on Profitability of Commercial Banks in Kenya." Journal of Finance and Accounting 4, no. 1 (2024): 18–27. http://dx.doi.org/10.70619/vol4iss1pp18-27.

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Commercial banks' performance is fundamental to the economy as providers of financial services. In offering this service, commercial banks are exposed to a range of risks that negatively affect financial position and ultimately influence profitability. Profitability is indicative of a bank's stability and potential for growth. Enhancing commercial banks' profitability contributes to shareholder return on investment. In June 2018, five banks were fined a total of Kshs. 392 million by the Central Bank of Kenya for breaching anti-money laundering regulations. Consequently, banks had to invest res

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Gong, Yufei. "The Impact of Exchange Rate Changes and Diversified Revenue Structure on The Profitability of Commercial Banks." Frontiers in Business, Economics and Management 11, no. 2 (2023): 28–34. http://dx.doi.org/10.54097/fbem.v11i2.12158.

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All the income of commercial banks is divided into traditional interest rate spread income and various non-interest income, all along, the bank's income mainly comes from its deposit and loan spread, that is, net interest income, and other businesses develop slowly. However, with the deepening of interest rate market-oriented reform and foreign exchange system reform, the diversified development of commercial banks has become increasingly prominent, becoming one of the basic hubs for bank transformation and financial risk prevention and control. Based on the revenue data of 10 listed commercia

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Lagat, Dorothy Jeruto, and Laura Auma Nyaloti. "Factors Affecting Credit Risk In Commercial Banks Of Kenya; A Case Of Selected Commercial Banks In Kenya." International Journal of Research Publication and Reviews 6, no. 6 (2025): 5575–80. https://doi.org/10.55248/gengpi.6.0125.0673.

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Muminova, Masuda. "ANALYSIS OF THE CURRENT STATE OF ACTIVE AND PASSIVE OPERATIONS IN COMMERCIAL BANKS." INNOVATIONS IN ECONOMY 4, no. 4 (2021): 55–63. http://dx.doi.org/10.26739/2181-9491-2021-4-8.

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The article analyzes statistical data on the management of active and passive operations in commercial banks, forms the theoretical views of foreign and domestic economists.Scientific novelty of the research:1. One of the main expected results of the transformation of commercial banks with the support of international financial institutions is based on the reduction of the state's share in a number of commercial banks, the introduction of international experience in attracting strategic investors with sufficient experience, knowledge and reputation;2. When managing the assets and liabilities o

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Zakaria, Heikal Muhammad, Gusganda Suria Manda, and Arif Rakhman. "ANALISIS PENGGUNAAN PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS DI BANK UMUM SYARIAH PERIODE 2015-2018." Eqien: Jurnal Ekonomi dan Bisnis 7, no. 2 (2020): 71–76. http://dx.doi.org/10.34308/eqien.v7i2.146.

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This study is aiming to determine the effect of mudharabah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period, the effect of musyarakah financing on the profitability (ROA) on Sharia Commercial Banks (BUS) for the 2015-2018 period, and the effect of mudharabah and musyarakah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period. This research is a type of associative research with a quantitative approach. This study uses secondary data with the period of 2015-2018 observation. The data used is sourced from the

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Bitinas, Augustas, and Daiva Burkšaitienė. "EVALUATION OF THE IMPACT OF FINANCIAL TECHNOLOGIES ON THE FINANCIAL EFFICIENCY OF COMMERCIAL BANKS." Mokslas - Lietuvos ateitis 16 (January 8, 2024): 1–11. http://dx.doi.org/10.3846/mla.2024.19962.

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The topic of financial technologies (Fintech), which has attracted enormous interest in the last decade, has become one of the most promising niches that allow participants providing services in the payment market to improve the efficiency of financial activity systems. Financial industry players such as commercial banks have begun to pay special attention to the development of this new niche. In order to maintain or occupy higher market positions, they must take into account the potential of financial technologies and their possible exploitation by integrating new solutions into already funct

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Tomi Charles and Rosyeni Rasyid. "The effect of murabahah, musyarakah, and transaction costs towards the profitability of Islamic commercial banks in Indonesia." Financial Management Studies 1, no. 2 (2021): 38–51. http://dx.doi.org/10.24036/jkmk.v1i2.11.

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The purpose of this study was to analyze: (1) The effect of murabahah financing on the profitability of Islamic commercial banks in Indonesia. (2) The effect of musyarakah financing on the profitability of Islamic commercial banks in Indonesia. (3) The effect of transaction costs on the profitability of Islamic commercial banks in Indonesia. The population in this study were 12 Islamic commercial banks in Indonesia. The sampling technique in this research is purposive sampling technique with a total sample of 96 samples from 2012-2019. The data used is secondary data obtained from the websites

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Liban, Muhudin Alim, and Onyango James. "Macroeconomics Determinants of Interest Rate Spreads Among Commercial Banks in Kenya." Journal of Economics, Finance And Management Studies 07, no. 04 (2024): 1738–52. https://doi.org/10.5281/zenodo.10931540.

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The determination of interest rate spread in commercial banks is influenced by various macroeconomic variables, market microstructure features and the policy environment. However, studies on factors that contribute to the interest rate spreads among commercial banks in Kenya have produced mixed results that calls for further research. This study aimed to assess the determinants of interest rate spread in commercial banks in Kenya. Specifically, the study sought to establish the effect of inflation rate, domestic borrowing, credit risk and exchange rate risk on the interest rate spreads among c

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Okuńska, Alicja. "Metody pozyskiwania pieniędzy przez bank." Zeszyty Naukowe Wyższej Szkoły Kadr Menedżerskcih 11 (2023) (March 28, 2023): 131–49. https://doi.org/10.5281/zenodo.7777941.

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Banki jako instytucje rynku finansowego prowadzą działalność według ściśle określonych zasad. Banki komercyjne to przedsiębiorstwa, które nastawione są na generowanie zysków, a głównym celem ich działalności jest maksymalizacja tych zysków. Publikacja przedstawia najważniejsze aspekty gospodarki finansowej banku a głównym celem jest odpowiedź na pytanie: skąd banki pozyskują pieniądze? Banki komercyjne nie mogą wydrukować sobie potrzebnej ilości gotówki, bo wyłączne prawo do emitowania znaków pieniężnych ma Narodowy Bank Pols

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Kanakriyah, Raed, Rafat Salameh, Eman Al-Hanini, Rana Abu Snobar, and Hanan Shkokani. "The Impact of Financial Leverage and Capital Adequacy on the Earnings Quality in Jordanian Commercial Banks." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 22 (March 19, 2025): 305–13. https://doi.org/10.37394/23207.2025.22.30.

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The study aimed to determine the impact of financial leverage and capital adequacy on the earnings quality in Jordanian commercial banks, where leverage is represented by the ratio of total debts to total assets, while the capital adequacy ratio was obtained from the published annual reports of Jordanian commercial banks during the period from (2018 - 2022), whereas capital adequacy ratio dignified through the formula CAR = (Tier 1 Capital + Tier 2 Capital) / Risk-Weighted Assets while the earnings quality was calculated according to the company's net cash from operating activities dividing by

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Ghimire, Binod, Bharat Rai, and Rewan Kumar Dahal. "Corporate Culture and Organizational Performance in the Banking Industry of Nepal." Management Dynamics 24, no. 2 (2021): 1–8. http://dx.doi.org/10.3126/md.v24i2.50031.

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Determining the strength of corporate culture and its impact on commercial bank performance has long been a priority for Nepalese banks. This study identified corporate culture drivers and their effects on a Nepalese commercial bank's performance. This study aimed to examine the impact of Nepalese commercial banks' participation, consistency, and adaptability cultures on organizational performance from the perspective of the employees of Nepalese commercial banks. A descriptive research design was used to discover facts and information on cultural elements affecting shareholder value. This stu

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Maulida Berniz, Yulis, Najmudin Najmudin, Esih Jayanti, Ika Yustina Rahmawati, and Yuni Utami. "The Influence of Third-party Funds; Asset Quality, Profit, and Lost Sharing to The Islamic Bank Liquidity in Indonesia." International Journal of Science, Technology & Management 4, no. 4 (2023): 1023–33. http://dx.doi.org/10.46729/ijstm.v4i4.876.

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During the COVID-19 pandemic, Islamic commercial banks experienced liquidity excess due to the third-party funds that increased and the weak distribution of financing by Islamic banks. In addition, the asset quality of Islamic banks is showing good development, this will affect the bank's ability to meet sufficient liquidity. This study uses 7 Islamic commercial banks as a sample from a population of 14 Islamic commercial banks registered in the Financial Services Authority (OJK) from March 2012 to December 2020 (quarterly data) period. This research method uses a fixed-effect model, with a GL

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Nizar, Nurhuda, Ahmad Danial Zainudin, Siti Zaitun Saddam, and Muhammad Ridzuan Abdul Aziz. "The utilization of CAMEL framework in analyzing the financial soundness of commercial banks in Malaysia: Pre and in the time of Covid 19." Information Management and Business Review 15, no. 2(I)SI (2023): 186–96. http://dx.doi.org/10.22610/imbr.v15i2(i)si.3399.

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The COVID-19 pandemic has impacted many aspects of the economy, including commercial banking. This research aims to analyze the health of Malaysia's commercial banks before and during the COVID-19 pandemic. To accomplish this, the authors employed the CAMEL framework, widely recognized as one of the best tools for evaluating a bank's health. The study aims to comprehend the pandemic's impact on the financial health of banks during the pandemic. Secondary data was gathered from the financial statements of eight local commercial banks from 2017 to 2021. Results from this study suggest that the p

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Yang, Yu Xin, and Da Quan Tang. "Ontology-Based CRM for Bank Customers." Applied Mechanics and Materials 380-384 (August 2013): 1402–8. http://dx.doi.org/10.4028/www.scientific.net/amm.380-384.1402.

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This paper introduces an ontology-based CRM for the commercial use, which specifically is for commercial bank customers. By using the ontology modeling method, which includes competency questions, intuitions, axioms and specific model, this ontology can share the information between the commercial banks and their customers. Ontology for the commercial banks domain is being developed as relationships and facts of the architecture. The steps of developing such an ontology model and a mapping mechanism between the commercial bank's customers and ability of consuming are discussed.

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Akhmadi, Akhmadi Akhmadi, Ernis Chaerunisa, and Shinta Zahra Chaerunisa. "Financial Performance Comparison (Empiric Study on Conventional Commercial Banks and Sharia Commercial Banks 2012-2018)." AFEBI Management and Business Review 6, no. 1 (2021): 59. http://dx.doi.org/10.47312/ambr.v6i1.439.

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<p>This study aims to examine more the comparison of financial performance between Islamic Commercial Banks and Conventional Commercial Banks. The population in this study includes conventional banking companies and Islamic banking which are listed on the Indonesia Stock Exchange and supervised by the Financial Services Authority (OJK) for the period 2012-2018 as many as 114 companies. The observational data used were 56 data from 14 general and Islamic banks which were sampled in this study. The method of analysis used the normality test, the independent sample t-test, and the Mann-Whit

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Dinç, Yusuf. "Are Islamic Banks The Alternative to Commercial Banks?" Turkish Journal of Islamic Economics 6, no. 1 (2019): 67–86. http://dx.doi.org/10.26414/a046.

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Piffer, Michele. "Banks’ Leverage Evolution: The Case of Commercial Banks." Mathematics 11, no. 13 (2023): 2860. http://dx.doi.org/10.3390/math11132860.

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This paper used a panel dataset on the post-Basel-I period to compare the evolution of leverage ratios between commercial and investment banks before the 2007 financial crisis. The comparison showed that the quality of the capital base of commercial banks has been deteriorating since well before the 2007 crisis at a much faster pace than that of investment banks. This paper explains why traditional measures of leverage cannot display this phenomenon and proposes the ratio of the book value of assets over tangible common equity as a better measure.

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Nfor Yuni, Denis, and Marcellus Ifeanyi Attama. "How does the central bank recapitalization policy affect competition in commercial banks of Sub-Saharan Africa?" Banks and Bank Systems 17, no. 2 (2022): 98–112. http://dx.doi.org/10.21511/bbs.17(2).2022.09.

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In the last two decades, central banks in Sub-Saharan African (SSA) countries have witnessed a trend of the recapitalization policy for commercial banks, and many more are bracing up to undertake the same reform. This has raised debates on whether and how it affects the competitiveness of commercial banks. Nevertheless, empirical evidence remains sparse and inclusive, especially for SSA countries. It is on this premise that this study, therefore, investigates competition in commercial banks before and after recapitalization for six selected SSA countries. The study employs the Panzar-Rosse mod

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Jarah, Baker Akram Falah, Mohammad Yousef Alghadi, Murad Ali Ahmad Al-Zaqeba, Mohamed Ibrahim Mugableh, and Belal Zaqaibeh. "The influence of financial technology on profitability in Jordanian commercial banks." Humanities and Social Sciences Letters 12, no. 2 (2024): 176–88. http://dx.doi.org/10.18488/73.v12i2.3661.

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The aim of this study is to identify the influence of Financial Technology (FinTech) on profitability in Jordanian commercial banks. The convenience sample was surveyed using a descriptive cross-sectional approach. Questionnaires were used to collect the data. The study population consists of commercial banks. The tool was sent to employees of all Jordanian commercial banks through email, Facebook and Twitter in order to meet the researchers' target sample size of at least 381 participants. The data was analyzed using the Statistical Package for Social Sciences (SPSS) version 24. The results s

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Abrishami, Hamid, and Masoud Saboji. "The Role of Current Banking System in the Growth of Industrial Sector in Isfahan Province (Iran)." International Letters of Social and Humanistic Sciences 72 (August 2016): 45–53. http://dx.doi.org/10.18052/www.scipress.com/ilshs.72.45.

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Studying the function of banks is crucial because their vigorous role in the economy seems to be a subject of immense importance. In the present study, we analyze and study the role of whole banks, commercial banks and specialized banks between 2002 and 2012 in Isfahan, based on the growth of value added approach in the industrial sector. In order to investigate this matter, we have estimated three extinction panels for the whole banking system, specialized banks and commercial banks in Eviews 9. Based on the results it can be argued that in the panels of whole banks and specialized banks, pay

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Muminova, Parvina Ilhomovna. "ECONOMETRIC MODELING OF INTEREST COSTS OF COMMERCIAL BANKS." Results of National Scientific Research International Journal 3, no. 6 (2024): 73–79. https://doi.org/10.5281/zenodo.11664689.

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In this article, the interaction of deposit operations offered to the population in all commercial banks in the Republic of Uzbekistan on the bank's financial condition is analyzed in econometric models.

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Kilonzo, Alex Mutisya, and Gerald Atheru. "Capital Level and Financial Stability of Commercial Banks in Kenya." Journal of Finance and Accounting 4, no. 1 (2024): 9–17. http://dx.doi.org/10.70619/vol4iss1pp9-17.

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The soundness of banks' finances serves as the foundation for the entire financial sector because they are essential to promoting economic growth. A commercial bank's financial stability should be assessed with specific emphasis given to domestic and foreign issues that affect how the bank operates and figuring out the amount of their influence on the status and operations of the commercial bank. Nevertheless, the impact of the company's capital, liquidity, and asset quality on the financial stability of commercial banks has not been studied. This study aimed to evaluate the effect of capital

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M.Yani, Rona Fatima Agna, Nurul Putri Ramadhan Nurul, Aqilal Zaky Afiya Abdul Rozak, Muthia Lestari Sopian, and Nabila Maulidia Sugeng Wijaya. "FACTORS CAUSING PROBLEMS IN MURABAHAH FINANCING IN SHARIA COMMERCIAL BANKS." Indonesian Journal of Multidisciplinary Sciences (IJoMS) 2, no. 2 (2023): 231–40. http://dx.doi.org/10.59066/ijoms.v2i2.334.

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Problematic murabahah financing is the risk of congestion in financing distribution. In addition to paying attention to the eligibility of customers, the distribution of financing must also pay attention to sharia principles and the principle of prudence. This writing aims to find out how the factors that cause problematic murabahah financing in Islamic commercial banks and want to find out how to resolve problematic murabahah financing in Islamic commercial banks. This research uses the library study method, this is done because the library sources are obtained from journals, research reports

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Rahmawati, Azizah Kartika, S. R. Kartika Sari, and Herry Hermawan. "Analisis Perbandingan Efisiensi Bank Umum Konvensional dan Bank Umum Syariah di Indonesia." Akuntabilitas 12, no. 2 (2019): 191–200. http://dx.doi.org/10.15408/akt.v12i2.12600.

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The purpose of this study was to determine the level of efficiency between conventional commercial banks and Islamic commercial banks. The sampling technique used in this study was purposive sampling by taking state-owned banks and Islamic commercial banks with the highest assets. Efficiency measurement in this study uses the Data Envelopment Analysis (DEA) method. The results of this study indicate that there are differences in efficiency between conventional commercial banks and Islamic commercial banks. Overall, each bank has an efficiency level of 93.67% (conventional commercial banks) and

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Fombang, MccPowell, and Richard Wamalwa Wanzala. "Mozambican commercial bank liquidity and its determinants." EUREKA: Social and Humanities, no. 6 (November 30, 2023): 61–72. http://dx.doi.org/10.21303/2504-5571.2023.003245.

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Despite the Central Bank of Mozambique's best efforts to assist commercial banks through a range of policies and regulations, the majority of these banks have been unable to satisfy their liquidity obligations on time, resulting in unacceptably large losses that have forced mergers or necessary resolutions. Thus, the purpose of this study was to determine the factors that affect Mozambican commercial banks' liquidity using bank-specific and macroeconomic data from 2013 to 2022. Data was analysed using unbalanced panel regression analysis (PRA). Specific bank data were gathered from a sample of

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Muharam, Harjum, and Bianda Bellinda. "Diversifikasi Pendapatan, Kinerja Bank, dan Peran Moderasi Tipe Kepemilikan." JURNAL BISNIS STRATEGI 29, no. 1 (2020): 68–79. http://dx.doi.org/10.14710/jbs.29.1.68-79.

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Income diversification is one of the Bank's strategies to earn income. Non-Interest Income is the alternative to absorb income other than Net Interest Income. However, the level of Non-Interest Income of Commercial Banks in Indonesia is still at an average of 20%. Based on this problem, the study aimed to analyze the effect of Income Diversification, Non-Interest Income, and determination of Non-Interest Income which is Fee Commissions Income And Trading Income on the performance of Commercial Banks in Indonesia listed in the Bursa Efek Indonesia (BEI) period of 2014 – 2018. The condition of C

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