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Journal articles on the topic 'Commercial banks'

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Published: 4 June 2021
Last updated: 18 May 2024

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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 (September 24, 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, training employees, monitoring and optimizing data security and banking information technology networks, suppressing the circulation of social issues on behalf of banks that can trigger social engineering, increasing financial literacy and awareness of data security personal customers and employees. To prevent social engineering attacks, banks can implement strategies that are considered adequate.
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2

D, VENKATRAMA RAJU, KAMARAJ S, and KANNAN J. "CRM Practices of Commercial Banks." Journal of Research on the Lepidoptera 50, no. 1 (March 25, 2019): 23–29. http://dx.doi.org/10.36872/lepi/v50i1/201053.

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3

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 (February 29, 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) higher than Islamic Commercial Banks with a rating of "Fairly Good". Conventional Commercial Banks have Good Corporate Governance (GCG) better than Sharia Commercial Banks with a "Good" rating. Conventional Commercial Banks have better Earning (ROA) with a "Very Good" rating than a Sharia Commercial Bank with a "Very Poor" rating. Sharia Commercial Banks have a Capital (CAR) higher than Conventional Commercial Banks with a rating of "Very Good
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4

Cai, Yumeizhu. "Risk Assessment for Canadian Commercial Banks." Advances in Economics, Management and Political Sciences 23, no. 1 (September 13, 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. The comparison of selected data continues with an analysis of the ability of commercial banks to manage risks and how risks affect the profitability of the bank. The study finds that liquidity risk is positively correlated with the bank's profitability and performance, while market risk and credit risk have a negative correlation with the bank's performance. External factors such as inflation, interest rate hike, and COVID-19 also challenges the bank with increased risk. TD has a well-developed regulatory system and countermeasures, and the bank has a high level of risk management and response capabilities.
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5

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 (March 28, 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 stability of commercial banks in Kosovo have been determined using the constructed regression models. The results obtained are of practical importance and can help develop effective strategies for managing the financial risks in commercial banks in times of crisis and building up financial stability in stable conditions.
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6

Sun, Yalong. "Financial Technology Level and Credit Structure Adjustment of Commercial Banks." Journal of Economics and Public Finance 9, no. 4 (November 25, 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 financial technology on the adjustment of bank credit structure, and then selects the panel data of 91 commercial banks in China from 2017 to 2021, uses NLP (Natural Language Processing) to construct indicators to measure the level of bank financial technology. Taking commercial banks as the research object, this paper empirically studies the impact of financial technology on the credit structure of commercial banks in China and analyzes the relevant mechanisms. The study found that the increase of the level of financial technology of commercial banks can reduce the bank's non-performing loan ratio, promote the optimization of bank credit structure, increase the loan scale and proportion of credit loans, personal loans, medium and long-term loans. For large commercial banks and small and medium-sized banks, There is a significant difference in the degree of optimization of the credit structure. On the other hand, the adjustment of bank credit structure has brought more customers into the scope of loan business, which has promoted the continuous improvement of the bank's profitability.
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7

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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8

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 (June 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 of OBS business of state-owned commercial banks increases the overall risk, bankruptcy risk and credit risk significantly. While in joint-stock commercial banks sample, the development of OBS business reduces the overall risk significantly.
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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 (March 22, 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 the liquidity ratio to ultimately strengthen the bank's financial position. Furthermore, commercial banks should be more innovative in their lending since different sectors present different risk profiles. Lastly, Commercial banks management needs to employ capital growth strategies to enhance the banks’ capital conservation buffer that requires banks to build up extra buffers outside periods of stress.
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10

Komil, Urinov. "DEPOSITS HELD BY COMMERCIAL BANKS IN UZBEKISTAN." European International Journal of Multidisciplinary Research and Management Studies 02, no. 07 (July 1, 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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11

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 (January 2, 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 study found that growth in loan portfolios had a negative effect on the financial performance of commercial banks in Kenya. The effect of loan growth on the financial performance of commercial banks in subsequent years was found to be adverse. This study found that the quality of bank assets had a positive effect on the financial performance of commercial banks in Kenya. However, the effect of liquidity management was not significant. The study found that capital adequacy had a positive effect on the financial performance of commercial banks. The effect of capital adequacy was significant. The study concluded that growth in a bank’s loan portfolio had a negative and significant effect on the financial performance of commercial banks. The study recommended that commercial banks should strategically execute their loan portfolio growth strategies so as to minimize the problem of loan losses in subsequent years
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12

Ramiz oğlu Qəzənfərli, İslam. "Methodological issues of commercial banks 'operations." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 79–84. http://dx.doi.org/10.36719/2663-4619/76/79-84.

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Hər bir ölkədə kredit ehtiyatlarının böyük bir hissəsinin formalaşmasında kommersiya bankları mühim rola malikdir. Kommersiya bankları eyni zamanda da müştərilərə müxtəlif növ maliyyə-kredit xidmətlərini təklif edir. Kommersiya bankları eyni zamanda da müxtəlif funksiyaları yerinə yetirə bilirlər. Belə ki, bəzi müəlliflərin fikrincə, kommersiya bankları əmanət, sığorta, köçürmə-hesablaşma, anderrayter, kredit, investisiya planlaşdırması, broker, kredit pulların emissiyası kimi müxtəlif funksiyaları həyata keçirir. Kommersiya bankları dedikdə, pul ehtiyatlarının toplanmasında iştirak edən və pul bazarında müxtəəlif valyuta-kredit əməliyyatlarının həyata keçirmək səlahiyyəti olan kredit təşkilatları başa düşülür. Tədqiqat işinin əsas məqsədi kommersiya banklarının fəaliyyətinin nəzəri-metodoloji məsələlərinin tədqiq olunmasıdır. Açar sözlər: kommersiya bankı, kredit, bank məhsulu Islam Ramiz Qazanfarli Methodological issues of commercial banks 'operations Abstract Commercial banks play an important role in the formation of a large part of credit reserves in each country. Commercial banks also offer a variety of financial and credit services to customers. Commercial banks can also perform various functions. Thus, according to some authors, commercial banks perform various functions such as savings, insurance, transfer-settlement, underwriting, credit, investment planning, brokerage, issuance of loan money. Commercial banks are credit institutions that are involved in the accumulation of monetary reserves and have the authority to conduct various currency and credit operations in the money market. The main purpose of the research is to study the theoretical and methodological issues of commercial banks. First, the theoretical foundations of the research subject were studied. At this stage, approaches to the characteristics of commercial banks have been theoretically analyzed, which plays a key role in achieving the objectives of the study. Methods of systematization, grouping, comparison were used here. Key words: commercial bank, credit, banking product
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13

Nizami oğlu İslamzadə, Sarvan. "The place and role of commercial banks in economic development." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 168–72. http://dx.doi.org/10.36719/2663-4619/76/168-172.

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Kommersiya banklarının əsas funksiyası əhalidəki pul kütləsini əmanət kimi toplamaq və onlarla müştərilərinə qısamüddətli kreditlər vermək olan banklardır. Bunlara bəzən depozit bankları da deyirlər. Banklar emissiya bankları, investisiya və inkişaf bankları, xüsusi təyinatlı banklar və kommersiya bankları kimi bir neçə növləri olduğu zaman, əksər ölkələrdə kommersiya bankları ən böyük payı təşkil edir. Onlar topladıqları vəsaitin bir hissəsini (mərkəzi bank tərəfindən müəyyən edilən depozit ehtiyatı tələbləri) gündəlik ehtiyaclar üçün ehtiyat kimi ayırır, qalan hissəsini isə ticarət və sənaye yerləşdirmələrində istifadə edirlər. Kommersiya banklarının digər əsas xüsusiyyəti isə əmanətçilərlə sıx əlaqə saxlamağıdır. Açar sözlər: bank, kommersiya bankı, kredit, istehlak krediti Sarvan Nizami Islamzade The place and role of commercial banks in economic development Abstract The main function of commercial banks is to collect money from the population as deposits and to provide short-term loans to dozens of customers. These are sometimes called deposit banks. While there are several types of banks, such as issuing banks, investment and development banks, special purpose banks, and commercial banks, in most countries, commercial banks account for the largest share. They allocate part of their savings (deposit reserve requirements set by the central bank) as a reserve for daily needs, and use the rest for commercial and industrial installations. Another key feature of commercial banks is their close contact with depositors. Key words: bank, commercial bank, loan, consumer loan
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14

Akmal, Denara. "Islamic Corporate Social Responsibility Disclosure, Profitability, and Visibility of Sharia Commercials Bank in Indonesia." West Science Accounting and Finance 1, no. 03 (November 30, 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 Commercial Banks in Indonesia for the period 2020 – 2022. However, partially the profitability did not affect ICSRD. Meanwhile, the visibility has a significant effect on ICSRD partially. The results of this study are expected to provide a reference for Islamic Commercial Banks policymakers to always improve the ICSR to maintain customer confidence in the operations of Islamic Commercial Banks in Indonesia.
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15

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 (October 24, 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 was captured by using the final report of commercial banks, which are available on the bank's official websites. This study provides information about the different ratios which directly impact on bank performance.
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16

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 (October 11, 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 cash reserve ratio banks profit level may increase or decrease. The prime intention here is to show the impact of monetary policy, especially Cash Reserve Ratio on the commercial bank's profitability. This study covers only listed commercial banks in Bangladesh. As sample researcher purposively selected 15 listed commercial banks that have available information. Results revealed that CRR negatively related to Return On Assets (-0.1133), Return On Equity (-0.0577) as well as Return On Investment (-0.0504). This means the bank's profitability declined due to the increase in cash reserve ratio (CRR). Again regression analysis outlined that the cash reserve ratio negatively impacts on the profitability of studied commercial banks in Bangladesh, which is statistically significant at the 10% level. Researchers proposed that Bangladeshi commercial banks will design their profitability plan by considering monetary policy tools, particularly the Cash reserve ratio.
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17

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 (December 28, 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 commercial banks have been continuously improved, but many banks still need to pay attention to the construction of management systems related to green finance. In terms of product innovation, the score of ecological innovation of commercial banks' products continues to rise significantly, and the green financial products of commercial banks continue to be abundant, but the products in the field of carbon finance are relatively simple. In terms of cultural innovation, banks still need to strengthen special training on green finance and deepen the concept of green development.
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18

Dinç, Yusuf. "Are Islamic Banks The Alternative to Commercial Banks?" Turkish Journal of Islamic Economics 6, no. 1 (February 15, 2019): 67–86. http://dx.doi.org/10.26414/a046.

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19

Piffer, Michele. "Banks’ Leverage Evolution: The Case of Commercial Banks." Mathematics 11, no. 13 (June 26, 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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20

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 (May 31, 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 model to analyze bank-level and macroeconomic indicators between 2000 and 2015. The results show that the H-statistic increased from –0.15, –0.28 and -0.82 before capitalization to 0.94, 0.97 and 0.7 after recapitalization for the first, second and third estimations respectively. This showed that bank competition is higher for the period after recapitalization than the period before recapitalization. The study, therefore, concludes that bank recapitalization could be necessary, especially for countries with low minimum paid-up capital. It is to the extent that banks can now be self-reliant with a higher capacity to invest, as this will significantly improve competition in commercial banks’ services. AcknowledgmentThis research study was supported by a grant from the African Economic Research Consortium, Nairobi Kenya. The findings, opinions and recommendations are those of the authors and do not necessarily reflect the views of the Consortium, its members or the AERC Secretariat.
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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 (October 11, 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 commercial banks in China from 2011 to 2021, this paper analyzes the impact of commercial banks' profitability on their income structure and exchange rate changes, so as to explore the business strategies that can bring profit improvement to banks in the context of changing macro economy.
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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 (April 30, 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 of the bank, first of all, it is necessary to analyze the factors of attracting the bank's resources, the stability of the resources of commercial banks has proven that it allows risk-free management of active operations
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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 (September 1, 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 Sharia Banking (SPS) and the Sharia Bank's annual financial statements from 2015 to 2018. The analysis used is multiple linear regression analysis. Data is processed using SPSS version 16. The results of the study show that mudharabah financing has a significant positive effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Musyarakah financing has a significant negative effect on profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Mudharabah financing and musyarakah financing have a positive significant effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period.
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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 functioning banking systems. This article aims to reveal the influence of financial technologies on the financial efficiency of commercial banks. After highlighting the importance of financial technologies for commercial banks in the theoretical part of the study, the analytical part examines the financial indicators of Lithuanian commercial banks (SEB, Swedbank, Šiaulių bankas, and Citadelė) in the period 2017–2021. Correlation and regression analysis will be used to determine the impact of financial technologies on the financial efficiency of commercial banks. The results of this study determines how financial technology impacts the financial performance of commercial banks.
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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 (July 12, 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 of each Islamic commercial bank in Indonesia. The result of this study indicate that: (1) Murabahah finnancing hass a positivee and significaant impact on profitabiility (ROA) of Islami commercial bank in Indonesia. (2) Musyarakah finaancing hass a negative and signifiicant efect on profitability (ROA) of Islami commercial bank ini Indonesian. (3) Transaction costs have a negative and significanteffect on profitability (ROA) of Islamic commercial banks in Indonesian. (4) Murabahahfinancing has positive and significant effect on profiitability (ROE) of Islami commerciall bank in Indonesia. (5) Musyarakah financingg has a negative and sgnificant effect on profitability (ROE) of Islami comercial bank iin Indonesian. (6) Transaction costs do not affect the profitabilityi (ROE) off Islamic commercial banks in Indonesia.
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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 (December 31, 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 study was based on a questionnaire survey. This study utilized the 5- point Likert scale to study a statistical measurement of corporate culture and organizational performance in Nepalese Commercial Banks. Using a survey of 394 employees in the Nepalese commercial banks, this study took into account participatory, consistency, and adaptability to assess the corporate culture of the banks. Adaptability was found to be the strongest predictor of organizational performance, while consistency was found to be a poor predictor, with the highest and lowest beta values, respectively. These findings suggested that adaptability and consistency characteristics were useful in measuring organizational performance. Adaptability cultures, it is concluded, have a significant impact on how well a business performs its activities. It broadens the awareness of the cultural impact on organizational performance that banks, particularly in Nepal, typically overlook. Commercial banks should prioritize strengthening their competitive cultures by emphasizing more adaptive human values aligned with their goals.
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V, Dr Ravikumar. "Financial Performance of Selected Nationalized Commercial Banks." International Journal of Research in Arts and Science 5, Special Issue (August 30, 2019): 242–49. http://dx.doi.org/10.9756/bp2019.1002/23.

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A.Chiranjeevi, A. Chiranjeevi, J. Rama Devi, and Prof B. Ramachandra Reddy. "A Review of Commercial Banks Since Nationalization." Global Journal For Research Analysis 3, no. 4 (June 15, 2012): 1–3. http://dx.doi.org/10.15373/22778160/apr2014/89.

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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 (July 24, 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 GLS weight approach, Cross-section SUR. The results of this study are third party funds, asset quality (Non-Performing Financing), and Capital Adequacy Ratio have a significant effect on the liquidity of Islamic banks, while Profit and Loss Sharing and Return on Assets do not affect the liquidity of Islamic banks.
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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 (June 11, 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 performance of commercial banks in Malaysia was generally stable and well-capitalized, with low non-performing loans and strong profitability before and during COVID-19. This study offers a new understanding of the effect of the pandemic on banking operations in Malaysia, a country whose financial system depends mainly on banks.
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Safarov, Giyosiddin Abdullayevich, and Samandar Sherzod Oglu Raimberdiyev. "Improving The Financial Security System Of Commercial Banks." American Journal of Interdisciplinary Innovations and Research 03, no. 02 (February 28, 2021): 51–56. http://dx.doi.org/10.37547/tajiir/volume03issue02-10.

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The article examines the nature of financial security of commercial banks, the methodological framework and conditions of its provision. Scientific proposals and practical recommendations on the areas of financial security of commercial banks have been formed through a systematic approach to the factors affecting the financial security of commercial banks.
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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 (August 19, 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-Whitney test. The results showed that tThere is no significant difference in the Capital Adequency Ratio between Conventional Commercial Banks and Islamic Commercial Banks, There is a significant difference in non-performing loans / financing (NPL / NPF) between Conventional Commercial Banks and Islamic Commercial Banks, there is a significant difference in return on assets (ROA) between Commercial Banks Conventional with Islamic Commercial Banks, there is a significant difference in operating expenses to operating revenue (BOPO) between Conventional Commercial Banks and Islamic Commercial Banks, there is a significant difference in loan / financing to deposit ratio between Conventional Commercial Banks and Shari'ah Commercial Banks.</p>
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Azalli, Bijay Lal Pradhan, Kothari Hemant, and Ram Chalise Tika. "Corporate Governance Mechanisms and Bank’s Performance Evidence from Nepalese Commercial Bank." KINFORMS 18, no. 1 (June 30, 2023): 4–30. http://dx.doi.org/10.55819/mrij.2023.18.1.4.

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Good governance is foremost in order to develop good corporate working culture. Governance includes all formal and informal rules under certain principles of accountability, transparency, and the rule of law. The implementation of corporate governance certainly influences the performance of the firm. This study focuses on the corporate governance practices implemented by the commercial banks of Nepal and their impact on the bank’s financial performance taking 11(2010-2020) years secondary data. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank. In addition to this, different published articles, reports, books, and magazines were also used. Multiple regression analysis was used to test the significance and importance of corporate governance in Nepalese Commercial Banks, where the dependent variable used was financial performance (ROA ROE and MB ratio), whereas the independent variables were Board Size, Independent directors, Board Meeting, Bank size, foreign ownership, government ownership, Bank Age. The result shows a positive relation of Age, Board size, independent directors, foreign ownership, firms’ size with the performance of the bank, whereas board meeting and government ownership shows negative relation.
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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 eight commercial banks, which control 95 % of the market share in the banking system bank's annual report, which was accessible on their websites, while macroeconomic data were gathered from World Bank reports and Central Bank of Mozambique’s reports from 2013 to 2022 (10 years). Financial statements from the commercial banks were used for all statistical calculations for the years 2013 – 2022. The research findings show that bank liquidity was significantly and positively impacted by the GDP, inflation, loan interest rates, amount of non-performing loans, capital adequacy, and bank profitability. There was no statistically significant variation in bank size when it came to the decrease in liquidity. According to the report, Mozambican commercial banks should be more focused on deposit mobilization to preserve a healthy liquidity buffer and enhance liquidity performance. Therefore, by presenting results on the current liquidity position and the macroeconomic and bank-specific factors influencing the liquidity of commercial banks in Mozambique, this study hopes to add to the body of current literature. The research study suggests strengthening the fiscal and monetary policies to improve bank liquidity control and monitoring systems in compliance with Basel III regulations.
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Shamim, Farkhanda, Bora Aktan, Mohammed Attaitalla Abdulla, and Nabeel Mohammed Yaseen Sakhi. "Bank-specific vs. macro-economic factors: what drives profitability of commercial banks in Saudi Arabia." Banks and Bank Systems 13, no. 1 (April 12, 2018): 139–49. http://dx.doi.org/10.21511/bbs.13(1).2018.13.

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The goal of this study is to determine the elements that contribute to the profitability of commercial banks in Saudi Arabia. The study is important due to the fact that Saudi vision 2030 foresees Saudi Arabia as a global investment powerhouse and fulfilling this objective requires a profitable banking sector. The method chosen for the study is multiple regression analysis. The sample data is taken for the period ranging 2009 and 2015 for the 12 local banks. The research concludes that bank’s internal factors specifically, bank size, liquidity, credit risk and operational efficiency are significantly determining the profitability in the banks as compared to the economy’s macro-economic variables.
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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, payment facilities have a positive and meaningful impact on the growth of value added in all three sectors of the economy, but in the panel of commercial banks, only banking facilities on a 10 percent level have a positive and meaningful impact on the growth of value added in the industrial sector. As a result, we can conclude that specializing the bank's activities can have a positive effect on the growth of value added in various sectors of the economy.
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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 (February 28, 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 showed an impact of financial technology (financing, money transfers and lending) on banks' profitability. The results of this study demonstrate that the adoption of FinTech solutions by banks has a significant impact on their profitability and position. Financing, money transfer and lending are crucial in determining a bank's profitability and overall success. Therefore, this study contributed to the growth of a new model that connects financial technology through financing, money transfers and lending to profitability and it added many topics related to financial accounting technology for increasing profitability in Jordanian commercial banks.
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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 (December 31, 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, accredited articles and other sources. The approach in this study uses descriptive qualitative. in the distribution of sharia commercial bank financing, it is in accordance with what is carried out by sharia banks in general by using the precautionary principle. Factors causing problematic murabahah financing in Islamic commercial banks are risks that are beyond the bank's control, customers misusing funds and customer business skills that are less than optimal. In murabahah financing, the problems are caused by two factors, namely internal and external factors. Problematic murabahah financing at Islamic commercial banks is still in the healthy category. The method of solving troubled murabahah financing in Islamic commercial banks means gradual correspondence and financing restructuring. In the troubled murabahah financing settlement method at Islamic commercial banks, if the customer's installments cannot be resolved by means of restructuring, then the guarantee application is carried out using a voluntary system.
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Hamraevich, Tashmatov Shuhrat. "ASSESSMENT OF CREDIT RISK OF A COMMERCIAL BANK." International Journal Of Management And Economics Fundamental 3, no. 12 (December 1, 2023): 92–97. http://dx.doi.org/10.37547/ijmef/volume03issue12-16.

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This article presents a method for assessing the risks of commercial banks, mainly analyzing the credit risk, interest rate risk and capital risk faced by commercial banks. A model for assessing the credit risk of commercial banks in Uzbekistan is also reviewed.
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41

Muharam, Harjum, and Bianda Bellinda. "Diversifikasi Pendapatan, Kinerja Bank, dan Peran Moderasi Tipe Kepemilikan." JURNAL BISNIS STRATEGI 29, no. 1 (July 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 Commercial Bank’s stakeholders in Indonesia also changes because of raised number of mergers and acquisition that occur in Indonesian banks. Therefore, this study aimed to analyze the state-owned ownership and foreign ownership in moderating the effect of Income Diversification and Non-Interest Income on Commercial Banks’ performance in Indonesia listed in Bursa Efek Indonesia (BEI) period of 2014-2018. The results of this study indicate that Income Diversification, Non-Interest Income, and Fee Commissions Income have positive and significant effect on the Bank's performance. Banks with state-owned ownership has a negative and significant influence in moderating the effect of Income Diversification and Non-Interest Income on ROA. Meanwhile, Banks with foreign ownership has a positive and significant effect on the Bank’s performance.
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42

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 (December 4, 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 99.99% (Islamic commercial banks). These results indicate that Islamic commercial banks are more efficient than conventional commercial banks.
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43

Acharya, Krishna Prasad. "Impact of Merger on Financial Performance of Nepalese Commercial Bank." Journal of Balkumari College 9, no. 1 (July 15, 2020): 101–4. http://dx.doi.org/10.3126/jbkc.v9i1.30093.

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Mergers and Acquisitions have become the most widely used business strategy of restructuring and strong financial institution to achieve competitiveness, to ensure long term existence with suitable profitability, to forge entering in new markets, and to ascertain the capital base etc. Specially, the merger law policy-2068 and monetary policy 2072 issued by Nepal Rastra Bank, the regulatory body of banks in Nepal, have been experienced as the most effective weapons for merger and acquisition in Nepalese Banking industry. This study makes an attempt to the latest Monetary Policy lays down measures meant to encourage banks to merge. By Shrawan 2076, commercial banks are required to maintain an average interest rate spread (the difference between rates on loans and deposits) of 4.4 percent from the current 4.5 percent; banks that complete mergers and acquisitions by that time will get a one-year extension. Also, by Shrawan 2076, commercial banks are required to float at least 25 percent of their paid-up capital in debentures; banks that decide to tie the knot by that deadline will get a one-year reprieve. A merged bank also does not have to seek Nepal Rastra Bank's approval to open new branches. Currently, the board of directors, CEOs and deputy CEOs are required to abide by a cooling-off period of six months during which they cannot join another bank. This restriction will not apply to executives of a merged bank. The argument for mergers and acquisitions go something like this. There are just too many banks and financial institutions in Nepal. As of Ashad 2076, there were 28 commercial banks (Class A), 32 development banks (Class B), 24 finance companies (Class C) and 91 micro-credit companies (Class D). Conceivably, larger banks should be able to fund large infrastructure projects individually. The existence of larger Nepali banks could also make it easier for them to branch into India. Bigger Nepali banks will be able to compete with foreign banks better on Nepali soil.
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POLOVA, Olena, and Hanna BALALAIEVA. "Commitments of commercial bank management." Economics. Finances. Law, no. 11/2 (November 21, 2019): 21–24. http://dx.doi.org/10.37634/efp.2019.11(2).5.

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One of the basic problems of the banking system is the resource providing for the bank activities, and so the question of the resource potential management of the institution is actual today. The article deals with the economic essence and structure of the liabilities of commercial banks. A review of the specific features of banking and bank management defines the goal in the liability management. The dynamics of the resource base of Ukrainian banks. The article deals with the overall analysis of management problems for involved and borrowed resources of banks. Attention is concentrated on factors of banks' resources. Summarizes the main methods of deposit liability management. Considers the features of the borrowed resources management. Defines the main parameters of the resource base formation. Proposed future directions of research in the field of the liabilities management . The purpose of the study is to determine the peculiarities of managing the obligations of commercial banks and improve the methodology of this process. In the course of the study, attention was drawn to the process of forming a commercial bank's resource base, where two main management parameters need to be considered - the value of borrowed and borrowed funds and their volume. The most common source of formation of bank resources is customer deposits. The need to attract non-deposit resources arises in the event of a lack of current liquidity or as a result of an attempt to balance payment flows at subsequent dates. Further research should be directed to substantiate the methods, instruments and instruments of deposit and non-deposit policy, which will provide not only sufficient capital but also a high rating of a banking institution. It is determined that price and non-price management methods are used to provide the desired structure, volume and level of expenses on deposit liabilities. The essence of pricing methods is to use the interest rate on deposits as the main lever in the competition for free cash of individuals and legal entities. Raising the bid offered by the bank makes it possible to attract additional resources.
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45

Zhao, Lingqi. "A Study on the Impact of Non-Interest Income on Commercial Banks Performance." Advances in Economics, Management and Political Sciences 53, no. 1 (December 1, 2023): 85–92. http://dx.doi.org/10.54254/2754-1169/53/20230800.

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With an upsurge of interest rate marketisation and internet finance, the role of commercial bank revenue in China's non-interest sector is turning more significant in terms of the bank's operating performance. From 2017 through 2021, the study explores the relationship between non-interest revenue and operating performance in business banks. Simultaneously, the article explores the various degrees of influence of three forms of non-interest revenue on operating performance and compares non-interest income variances on operating performance amongst banks with different equity natures. The empirical data show that non-interest income from commercial banks beneficially effects on their profitability; the proportion of fees and commissions contributes more to the profitability; and the impact on operating performance is more pronounced for state-controlled and joint-stock banks than for urban and agribusiness banks. As a consequence, commercial banks should pursue other businesses aggressively in order to diversify non-interest income sources and play a role in bank operations.
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46

Magzumova, N. V., and V. D. Fedotov. "RISK MANAGEMENT IN COMMERCIAL BANKS." Scientific bulletin of the Southern Institute of Management, no. 3 (October 7, 2018): 68–73. http://dx.doi.org/10.31775/2305-3100-2018-3-68-73.

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The current stage in the development of the banking structure is characterized by serious changes in organizational structures, the introduction of innovations and the use of progressive management methods. In the conditions of market relations, the probability of risks in banking activity increases. Risk is an activity connected with overcoming uncertainty in a situation of unavoidable choice, in the process of which it is possible to quantitatively and qualitatively assess the probability of achieving the expected result, failure and deviation from the goal. Banking activity is characterized by an increased risk. The decisions that are made in the investment process are almost always accompanied by risks. In this regard, it is necessary to develop a decision-making mechanism that will manage various risk factors. Risk management plays an important role in the commercial activity of the bank and attaches great importance to the effective functioning of the risk management system. The policy of a commercial bank for the management of claims is aimed at monitoring, analyzing, coordinating and managing claims, in which case an assessment of the magnitude of the risk and establishing compliance with acceptable limits is necessary. In order to take into account the volatile situation in the banking services market, activities in the management of commercial property claims must be constantly reviewed and adjusted.
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Jasevičienė, Filomena, Bronius Povilaitis, and Simona Vidzbelytė. "COMMERCIAL BANKS PERFORMANCE 2008–2012." Business, Management and Education 11, no. 2 (September 13, 2013): 189–208. http://dx.doi.org/10.3846/bme.2013.11.

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A country’s image, economic development process and GDP growth is significantly influenced by its banking sector performance. Banking’s success largely depends on public confidence. Only a small part of the banking services customers understand the indicators and ratios which are used to assess bank’s activities. Therefore, there is a need to analyze banks performance results in Lithuania. The paper presents a principal component analysis model applied on banks performance ratios in Lithuania. The main purpose of this article is to analyze basic indicators used in banks performance evaluation by principal component method. The obtained results represent the main components with the highest influence on Lithuanian commercial banks performance results in 2008–2012 year period. The main findings of the study indicate that commercial banks in Lithuania have been affected by different factors during 2008–2012 periods. It has been noted that Scandinavian capital commercial banks‘ performance results have been influenced by similar factors, have had similar structure of the factors, which has been more stable in comparison with small and/or Lithuanian capital banks. Conclusions and recommendations help banks’ board to improve their competitiveness and financial results, thus it also helps them to make appropriate decisions. It is also useful for an academic community to understand the structure of main components in banking sector.
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Melnikov, Vladimir Sergeevich, and Anna Stepanovna Kapusta. "RATING ASSESSMENT OF COMMERCIAL BANKS." Industrial Economics 4, no. 5 (2021): 329–35. http://dx.doi.org/10.47576/2712-7559_2021_5_4_329.

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49

Gaynullina, Rita Azamatovna, and Oleg Nikolaevich Efimov. "COMMERCIAL BANKS IN THE ECONOMY." Internetnauka, no. 6 (January 1, 2016): 130–43. http://dx.doi.org/10.19075/2414-0031-2016-6-130-143.

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50

Bhattacharyya, Surajit, and Ankit Chatri. "Efficiency of Indian Commercial Banks." Indian Economic Journal 60, no. 3 (October 2012): 3–28. http://dx.doi.org/10.1177/0019466220120302.

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