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Journal articles on the topic 'Credit committee of the bank'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Karaye, Abubakar Ibrahim, Nurwati A. Ahmad-Zaluki, and Bazeet Olayemi Badru. "The Effect of Credit Committee Characteristics on Bank Asset Quality in Nigeria." Financial Markets, Institutions and Risks 6, no. 2 (2022): 60–74. http://dx.doi.org/10.21272/fmir.6(2).60-74.2022.

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This study aims to evaluate the effect of credit committee characteristics on bank asset quality in Nigeria. The paper examines the credit committee characteristics namely: credit committee independence, credit committee non-executive directors, credit committee size, credit committee meetings, credit committee gender, credit committee expertise, credit committee chair-gender, credit committee chair-independence and chief executive officer in credit committee, and their influence on non-performing loans. Descriptive research design is used on a sample consisting of 18 commercial banks in Niger

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2

Prof. Sahar Nagy Khalaf. "The impact of audit committees on improving the quality of accounting profits and raising credit efficiency) A field study on a sample of Iraqi banks listed in the Iraq Stock Exchange." Economic and Administrative Studies Journal 1, no. 1 (2022): 54–72. http://dx.doi.org/10.58564/easj/1.1.2022.5.

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The study aimed to clarify the relationship between the functions of the audit committee and its role in improving the quality of accounting profits, and raising credit efficiency. And to achieve the objectives of the study, the SPSS program was used to analyze the questionnaire, and the study was applied to accountants and internal auditors in Iraqi banks in Iraq, where the sample size was 130 individuals. In the future, it reduces financial risks and increases credit efficiency. The strength of the audit committee and the control system within the economic unit enables the repayment of loans

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3

Ben Saada, Moufida. "The impact of control quality on the non-performing loans of Tunisian listed banks." Managerial Auditing Journal 33, no. 1 (2018): 2–15. http://dx.doi.org/10.1108/maj-01-2017-1506.

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Purpose This paper aims to explore the extent to which the control quality impacts non performing loans (NPLs) of Tunisian listed banks by integrating the guidelines of Circular No. 2011-06 issued on 20 May 2011 by Tunisian Central Bank. Design/methodology/approach Regressions using panel data are applied on a sample of 11 listed banks during the period from 2010 to 2015. Findings The results show that the presence of foreign directors on the Tunisian bank board affects credit risk. These administrators, with knowledge, independence and technology transfer, exercise more control than instituti

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Saâda, Moufida Ben, and Yosra Gafsi. "Does disclosure of internal control system of credit risk improve banks’ performance? Evidence from Tunisian listed banks." International Journal of Financial Engineering 06, no. 04 (2019): 1950031. http://dx.doi.org/10.1142/s2424786319500312.

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This paper proposes a measure of disclosure of internal control of credit risk and explores the extent to which this disclosure improves the performance of Tunisian listed banks. We use a self-constructed disclosure index from content analysis. From regressing panel data applied on a sample of 11 listed Tunisian banks during the period from 2007 to 2017, we find that disclosure of Internal Control System of Credit Risk (DICSCR) improves the performance of banks through the implementation of methods and procedures for controlling credit risk. Moreover, the results show that the interactions bet

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Penikas, Henry. "The review of the open challenges in the IRB loan portfolio credit risk modeling." Model Assisted Statistics and Applications 15, no. 4 (2020): 371–88. http://dx.doi.org/10.3233/mas-200508.

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The Basel Committee on Banking Supervision finalized the Basel III accord in the December 2017 and launched the set of its standards – the Basel Framework – in December 2019. Both documents allow bank to use mathematical models for the credit risk estimation. There are quantitative and qualitative requirements for models to be allowed for use in the prudential regulation of banks. The approach is called an Internal-Ratings-Based one (IRB). This paper aims at discussing a set of issues related to IRB credit risk modeling and such model estimates use. Those issues include data pooling in the cre

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6

Akaro Mainoma, Prof Mohammed, Prof Solomon Aza Prof. Solomon Aza, and Obed Bontur Ishaku. "Effect Of Audit Committee and Risk Committee Attributes on Risk Disclosures of Listed Deposit Money Banks in Nigeria." Journal of Research in Business and Management 13, no. 6 (2025): 169–78. https://doi.org/10.35629/3002-1306169178.

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Risk disclosures are an essential component of corporate governance, as they provide stakeholders with vital information on the financial health and risk exposures of companies. For financial institutions like Nigerian Deposit Money Banks (DMBs), these disclosures are particularly critical, as they help to assess a bank's resilience to potential risks such as credit, operational, market, and liquidity risks.This study examines the effect of audit and risk committee attributes on risk disclosures within Nigerian Deposit Money Banks (DMBs). Using panel regression analysis on data from 140 bank-y

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Amin, Ruhul. "Credit Risk Management of Jamuna Bank Limited." ABC Research Alert 4, no. 1 (2016): Bangladesh. http://dx.doi.org/10.18034/ra.v4i1.302.

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Banks are exposed to five core risks through their operation, which are – credit risk, asset/liability risk, foreign exchange risk, internal control & compliance risk, and money laundering risk. Among these risks management of credit risk gets most attention. Credit risk arises due to the possibility that the borrower may fail to repay the loan. Following the recent global financial crisis, which originated from poor management of credit risk, credit risk is the most discussed topic in banking industry. All commercial banks operating in Bangladesh are strictly regulated by Bangladesh Bank.

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Rehman, Jamshid ur, Khalid Hussain, Ishfaq Ahmed, Abdul Latif, and Roman Ullah. "Nexus between Corporate Governance and Bank ‘Risks: Insight from the Commercial Banks in Pakistan." Bulletin of Business and Economics (BBE) 13, no. 2 (2024): 877–83. http://dx.doi.org/10.61506/01.00379.

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Corporate governance and risk management are the essential elements of contemporary business management of commercial banks. This study endeavors to shed light on the influence of the corporate governance framework on the bank’s risk, including credit risk, liquidity risk, and operational risk. We analyzed a sample of Pakistani banks using a two-step System GMM over the period 2009-2020. The estimation results validate that corporate governance indicators have significant impacts on banks’ risk exposure. Board size, board independence, size of the audit committee, and risk management committee

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Reza, Oktavieni Medya, and Zaitul Zaitul. "Keberadaan Perempuan pada Organ Corporate Governance dan Risiko Kredit Perbank Indonesia." AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis 4, no. 2 (2024): 920–34. http://dx.doi.org/10.37481/jmeb.v4i2.788.

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This research aims to empirically prove the influence of women on the board of commissioners, board of directors, and audit committees on credit risk in banking companies listed on the Indonesia Stock Exchange. In this research, 19 banking companies were used based on special criteria that we set. The study was conducted from 2021 to 2022. The data analysis method was multiple linear regression (OLS) and t-statistical testing. Following the results of hypothesis testing, it was found that the presence of women on the board of commissioners, and audit committee was proven to have a negative and

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10

Olimova, Nodira Khamrakulovna, and Muslimbek Abdushukur ugli Numonov. "THE THEORETICAL BASIS OF CREDIT POLICY OF SMALL BUSINESS ENTITIES AND COMMERCIAL BANKS." Academic Research Journal 2, no. 2 (2023): 112–21. https://doi.org/10.5281/zenodo.7954608.

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Ensuring the level of diversification of the credit portfolio in conditions of deepening specialization of the activities of commercial banks becomes a complex issue. Because, in such conditions, the bulk of loans issued by a commercial bank will accumulate in one area or network. In the credit policy of commercial banks, credit risk management plays an important role. Currently, the assessment and management requirements developed by the Basel Committee in credit risk management are widely used in international banking practice.

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11

Olimova, Nodira Khamrakulovna Numonov Muslimbek Abdushukur ugli. "THE THEORETICAL BASIS OF CREDIT POLICY OF SMALL BUSINESS ENTITIES AND COMMERCIAL BANKS." CENTRAL ASIAN JOURNAL OF EDUCATION AND INNOVATION 2, no. 5 (2023): 112–18. https://doi.org/10.5281/zenodo.7973600.

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ensuring the level of diversification of the credit portfolio in conditions of deepening specialization of the activities of commercial banks becomes a complex issue. Because, in such conditions, the bulk of loans issued by a commercial bank will accumulate in one area or network. In the credit policy of commercial banks, credit risk management plays an important role. Currently, the assessment and management requirements developed by the Basel Committee in credit risk management are widely used in international banking practice.

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12

Dr. B. Balaji Naik and Prof. Srinivasulu bayineni. "Banking Sector Reforms: Its Impact on Agricultural Finance in India." International Journal of Linguistics Applied Psychology and Technology (IJLAPT) 2, no. 04(April) (2025): 35–44. https://doi.org/10.69889/ijlapt.v2i04(april).111.

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With the modernization of agriculture in the mid-1960s, the demand for short-term and long-term agricultural credit started rising at a rapid rate as the farmer has to purchase costly inputs like fertilizers, HYV seeds, pesticides, etc. from the market. Capital, together with scientific knowledge, played a very significant role in increasing the productivity of agriculture. This had shifted the government’s attention from co-operative based approach to state-owned banks to create an alternative source of finance to free the farmers from the grip of moneylenders. Several committees/working grou

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Atika, Rulia, Husaini Husaini, and Fitrawati Ilyas. "KONSENTRASI KEPEMILIKAN, STRUKTUR DEWAN KOMISARIS DAN RISIKO KREDIT BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA." JURNAL FAIRNESS 10, no. 2 (2021): 115–24. http://dx.doi.org/10.33369/fairness.v10i2.15258.

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This study aims to find empirical evidence regarding the influence of ownership concetration and board structure on credit risk. The sample of this study is the banks listed on the Indonesia Stock Exchange. Board structure proxied by the board size, proportion of independent commissioners, the presence of foreign commissioners, audit committee and risk management committee. The hypothesis was tested using multiple linear regression. This study found that ownership concentration 25%, ownership concentration 50% and audit committee have a positive effect on credit risk, Proportion of independent

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14

Asuan, Asuan. "DEPOSITO SEBAGAI JAMINAN KREDIT BERDASARKAN UNDANG-UNDANG PERBANKAN." Solusi 18, no. 3 (2020): 351–70. http://dx.doi.org/10.36546/solusi.v18i3.309.

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Time deposit is a banking product, namely customers who deposit their money within a certain period of time in a bank (according to the agreement between the customer and the bank), which earns deposit interest. Deposits as collateral in the credit agreement between the debtor / customer and creditor / bank. in the provision of credit which may not exceed 95% of the value of deposits with a credit period of 60 months at the longest, based on Article 1 point 7 of Law Number 10 of 1998 concerning Banking. If there is a default based on article 1238 of the Civil Code, then the creditor as the cre

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15

Malla, Buddhi Kumar. "Credit Portfolio Management in Nepalese Commercial Banks." Journal of Nepalese Business Studies 10, no. 1 (2018): 101–9. http://dx.doi.org/10.3126/jnbs.v10i1.19138.

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Credit portfolio management is a key function for banks (and other financial institutions, including insurers and institutional investors) with large, multifaceted portfolios of credit, often including illiquid loans (Nario, Pfister, Poppensieker & Stegemann, 2016). After global financial crisis of 2007-2008, the credit portfolio management function has become most crucial functions of the bank and financial institutions. The Basel III, third installment of Basel accord was developed after crisis to strengthen bank capital requirements by increasing bank liquidity and decreasing bank lever

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16

Yosy Meliyana Batubara and Anggi Pratama. "Analysis of Internal Control System In Granting Credit In Pt. Bank Mandiri KCP Medan Belawan." Rowter Journal 1, no. 2 (2022): 86–95. http://dx.doi.org/10.33258/rowter.v1i2.680.

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This study aims to analyze the internal control system in providing credit at pt. Bank Mandiri KCP Medan Belawan and what actions were taken by the relevant departments in overcoming fluctuations in total credit, gross NPL, net NPL, and the ratio of core debtors to total credit at PT. Bank Mandiri (Persero) Tbk. 2016-2020 so as to be able to fulfill the entire process of providing credit without compromising the internal control system. This research was conducted using a descriptive method. Data collection techniques were carried out by means of interviews, studying documents and records abou

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Kovrov, Timur. "THE REPRESENTATIVES OF THE ESTATES OF THE CITY OF SHUYA AND THE SHUYA DISTRICT IN THE ACCOUNTING AND LOAN COMMITTEE AT THE IVANOVO-VOZNESENSKY BRANCH OF THE STATE BANK (On the materials of the state archive of the Ivanovo region)." Ivanovo state university bulletin. Series «The Humanities», no. 3 (October 1, 2020): 48–57. http://dx.doi.org/10.46726/h.2020.3.7.

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The article is devoted to the study of the representatives of the estates of the city of Shuya and Shuya district in the accounting and loan committee at the Ivanovo-Voznesensky branch of the State bank. The article substantiates the problem that the accounting and loan committees at the branches of the State Bank acted on the basis of the institute of public-private partnership. The article introduces into scientific circulation new archival materials containing information about Shuysky entrepreneurs in the post-reform period. The names of these persons are called. Their years of birth and e

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18

Salman, Ali, Dr Mohammad Ayaz, Dr Ahsan Riaz, and Nimra Riaz. "The influence of Corporate Governance on Credit Rating in Pakistan." International Journal of Social Science & Entrepreneurship 2, no. 2 (2022): 313–34. http://dx.doi.org/10.58661/ijsse.v2i2.63.

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Credit rating agencies have great significance in the growth of the financial industry by giving confidence to borrowers and lenders through expressing their opinion on the ability of the institution to meet its financial obligation through credit ratings. Therefore, if the governance structure is weak, credit rating agencies are likely to expect poor financial position and vulnerability of the stakeholders' interests. The purpose of this study is to determine whether the corporate governance characteristics of Islamic banks influence Islamic banks' credit ratings. Data is calculated from the

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19

Sethi, Prathana, Pankaj Chand, Ram Janam Yadav, and Samundra Bhandari. "Impact of Corporate Governance on Credit and Liquidity Risks of Nepalese Commercial Banks." Nepalese Journal of Economics 8, no. 3 (2024): 38–55. https://doi.org/10.3126/nje.v8i3.79447.

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The study examines the impact of corporate governance on credit risk and liquidity risk of Nepalese commercial banks. Liquidity risk and non-performing loans are selected as the dependent variables. The independent variables are board size, number of board meetings, audit committee size, independent directors, gender diversity and bank size. The study is based on secondary data of 17 commercial banks with 102 observations for the period from 2016/17 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, publications and websites of Nepal Rastr

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20

Proshunin, M. M. "Voluntary Liquidation of Credit Organization: Law Issues." Rossijskoe pravosudie 6 (May 20, 2020): 107–12. http://dx.doi.org/10.37399/issn2072-909x.2020.6.107-112.

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The article reveals the legal issues of voluntary liquidation of the credit organization process and considers the main stages of such process. In order to simplify the liquidation of the credit organisation for both the Bank of Russia and representatives of the credit organization the article contains some suggestions for development of Russian banking regulations, in particular, set out of qualification and business reputation requirements for members of the liquidation committee and transformation of the credit organization being a professional participant on securities market into non-bank

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21

Quadri, Yusuf Olamilekan, Ifedolapo Oluwasolape Omotosho, Daud Omotosho Saheed, and Babatunde Abdullah Adio. "Board Characteristics, Asset Quality and Financial Performance of Deposit Money Bank." Copernican Journal of Finance & Accounting 12, no. 3 (2024): 65–78. http://dx.doi.org/10.12775/cjfa.2023.016.

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This study evaluates how the board composition and asset quality of Nigerian deposit money banks affected their financial performance. The study used a sample size of 20 out of 33 deposit money banks and an ex-post facto research design. Panel least square regression techniques were then used to assess the secondary data gathered from the audited financial records of the participating deposit financial institutions for the years 2014 to 2021. The study found that while asset quality has a negative impact on the performance of Nigerian banks, the size of the board and the makeup of the credit c

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Pramod, Gonchikar, and K. Gopalakrishna. "Role of Special Banks in Agricultural and Rural Development - A Study with Reference to Karnataka." Pearl Multidisciplinary Journal 3, no. 2 (2017): 150–62. https://doi.org/10.5281/zenodo.3628121.

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The special banks providing long term Agricultural credit are known as Primary Co-operative Agricultural and Rural Development Banks (initially Land development Banks). The first of this kind of bank was established at Jhang in Panjab in the year 1920. Though, primary Cooperative Agricultural and Rural Development Banks were established dating back to independence, the real growth of these Banks took place only after passing the Land Development Act in the year 1930. These banks were initially called as Land Mortgage Banks as they were financing on the mortgage of Land for which they are used

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N. N., Samuel, Obasi A. I., and Uduimoh A. A. "Problem Loans and Working Out the Pinnacle of Bank Failures in Nigeria." British Journal of Management and Marketing Studies 7, no. 3 (2024): 70–84. http://dx.doi.org/10.52589/bjmms-qiqaktbi.

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This study was designed to evaluate managing problem loans and work out the pinnacle of bank failures in Nigeria. One of the recommendations of the Basel Committee on Banking Supervision was credit risk management which is the optimization of the bank’s risk-adjusted rate of return by maintaining credit risk exposure within an acceptable level. Descriptive survey research was used and data were collected via annual reports of the sampled bank within the period of 2011–2016. The population of the research included the Deposit Money Banks. Pearson Coefficient of Correlation was the statistical t

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Siswantoro. "Respond OJK Regulation Number 55: Can Good Corporate Governance Affect Banks Credit Risk in Indonesia?" Jurnal Akuntansi Terapan dan Bisnis 1, no. 2 (2021): 102–14. http://dx.doi.org/10.25047/asersi.v1i2.3021.

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Efforts to reduce the number of non-performing loans continue to be carried out, one of which is by enforcing the rules regarding good corporate governance as enshrined in POJK Number 55/POJK.03/2016. The purpose of this study is to respond to these regulations by testing whether the attributes of good corporate governance can influence bank credit risk. The total population is 44 established banking companies with three years from 2017 to 2019. The data analysis technique uses descriptive statistical analysis and partial hypothesis testing. The results showed that the size of the Board of Dir

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Pati, Umi Khaerah, Kukuh Tejomurti, Pujiyono Pujiyono, and Pranoto Pranoto. "THE SMALL CLAIM COURTS DURING COVID-19: ANALYSIS OF INDONESIAN BANKS’ CLAIMS ON BAD CREDIT." UUM Journal of Legal Studies 15, no. 1 (2024): 97–120. http://dx.doi.org/10.32890/uumjls2024.15.1.5.

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The purpose of this study is to discuss the suitability of small claim courts to solve bad credit claims that are filed by banks as an alternative to dispute contract defaults. The study analyses the trend of banks’ small claims during the COVID-19 pandemic. This study employed an empirical normative approach. It combines a normative legal approach and additional empirical elements in the form of cases and decisions. The results show that some of the regulations that were released before the pandemic, such as the Regulation of the Supreme Court Number 4 of 2019 on the Settlement of Small Claim

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Rawaa Ahmad Yousif, Rawaa Ahmad Yousif. "Measurement and analysis of factors that affecting the financial stability of private banks registered in the Iraq Stock Exchange for the period (2017-2013): قياس وتحليل العوامل المؤثرة في الاستقرار المالي للمصارف الأهلية المسجلة في سوق العراق للأوراق المالية للمدة (2013-2017)". مجلة العلوم الإقتصادية و الإدارية و القانونية 5, № 18 (2021): 176–61. http://dx.doi.org/10.26389/ajsrp.r230121.

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The objective of this study was to measure the banking factors (capital adequacy, credit capacity, and revenue capacity) and to show their impact on the banking stability of the private banks registered in the Iraq Stock Exchange. Where the bank credit represents the most important source of bank money in terms of achieving profits and the most exposed to risks, which is reflected in the bank’s business and its financial indicators. Also, achieving ratio (adequacy of banking capital) corresponded with the guidelines of the Basel Committee for is one of the top concerns of the banking administr

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Apochi, James George, and Asma’u Mahmood Baffa. "Credit Risk and Financial Performance of Deposit Money Banks in Nigeria: Moderating Role of Risk Management Committee." European Journal of Accounting, Auditing and Finance Research 10, no. 10 (2022): 98–115. http://dx.doi.org/10.37745/ejaafr.2013/vol10n1098115.

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The global financial crisis of 2008 and the economic dislocation that followed the emergence of COVID 19 adversely affected financial institutions leading to debt crisis in the Nigerian banking sector. Despite the risk management framework within the banking sector, credit still remains a crucial factor in comparison to other driving factors in the bank, due to its attendant risk and the effect on the economy. This study examined the risk management committee’s role on the effect of credit risk on financial performance of 13 deposit money banks in Nigeria from 2012 to 2021. Finance distress th

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Kang, Xinyue, Xinwei Huang, Yuxin Wu, and Zhenxing Liu. "Measurement of Risk-weighted Assets of Commercial Banks under the New Basel Accord and Capital Management Approach." Advances in Economics, Management and Political Sciences 92, no. 1 (2024): 336–56. http://dx.doi.org/10.54254/2754-1169/92/20231069.

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The Basel Accord is the main worldwide regulatory standard for bank capital and risk set by the Basel Committee. It encourages banks to identify not only current risks but also future risks and to improve their existing risk management systems to manage economical risks. Since the promulgation of the Accord, the Basel Committee has issued a series of regulatory documents reforming the risk-weighted asset measurement framework. The core elements of the Accord include revisions to the Standardized Approach to Credit Risk, the Internal Ratings-based Approach to Credit Risk, the Operational Risk C

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Puspa, Rani, Leni Triana, Rina Nopianti, and Prastika Suwandi Tjeng. "Pengaruh tata kelola perusahaan, kualitas audit, dan konservatisme terhadap persyaratan agunan pinjaman." Jurnal Ekonomi Modernisasi 17, no. 2 (2021): 95–112. http://dx.doi.org/10.21067/jem.v17i2.5419.

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Debtors and creditors have equal access to information about default risks in competitive credit markets. Loan collateral is less important in credit decision-making in these circumstances. However, in emerging credit markets such as Indonesia, where debtors and creditors do not have equal information about a firm's prospects, the use of collateral to mitigate default risk has become common practice. Despite the strong theoretical framework for the use of collateral to secure creditors from credit risk, some Indonesian firms are exempt from providing collateral for bank debts. This study looks

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Sinha, Preeta, and Protik Basu. "Dynamics of Risk Factors Affecting the Capital Adequacy Ratio with Special Reference to UCO Bank." Asian Journal of Managerial Science 8, no. 2 (2019): 10–13. http://dx.doi.org/10.51983/ajms-2019.8.2.1559.

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To reinforce the stability of the financial system, policy makers and the Basel committee have proposed Basel accord to ensure that financial institutions maintain sufficient capital buffers. Basel III framework emphasizes on sustained increase in bank capital in order to absorb the potential credit, market and operational risks. The capital adequacy requirement under Basel III norms are directly linked to the PCA (Prompt Corrective action) framework which has disrupted the flow of credit in the economy. Market risk, Credit risk, Operational risk and deposits are some of the factors affecting

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Kurniasih, Tuspeni, and Intan Rahma Sari. "THE INFLUENCE OF THE ROLE OF INTERNAL AUDIT, AUDIT COMMITTEE CHARACTERISTICS AND INTERNAL CONTROL ON FRAUD PREVENTION." SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 7, no. 1 (2024): 104–16. http://dx.doi.org/10.37481/sjr.v7i1.785.

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This research aims to determine the influence of the role of internal audit, characteristics of the audit committee and internal control on fraud prevention at the Jakarta People's Credit Bank. The population in this study was 35 People's Credit Banks (BPR). Based on the Slovin formula method, the total research sample obtained was 26 respondents. This research is a type of quantitative research with the data collection method used is primary data, namely data in the form of opinions from research subjects (respondents) using a survey method obtained through filling out questionnaires by respo

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Novriadi, Chasdy, and Didi Sundiman. "FACTORS AFFECTING DECISIONS ON LENDING (STUDIES ON BPRS IN BATAM CITY)." JURNAL TERAPAN MANAJEMEN DAN BISNIS 7, no. 1 (2021): 43. http://dx.doi.org/10.26737/jtmb.v7i1.2293.

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<span>This study studies the factors that influence bank financing decisions with the principle 6 C method . Financial analysis helps the NPL from bank crediting the people no more than what is determined by the OJK. This type of research is descriptive qualitative, namely research that discusses describing the phenomena that occur in the location of research using qualitative data analysis. Data collection techniques include interviews, observation, documentation . While the data analysis uses qualitative descriptive techniques. Data informants consisted of 5 prospective debtors, 1 cred

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Veretin, Mikhail S. "Improving economic security of the commercial banks based on internal control of the operational risk." RUDN Journal of Economics 31, no. 1 (2023): 107–19. http://dx.doi.org/10.22363/2313-2329-2023-31-1-107-119.

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New regulation of the operational risks established by Bank of Russia Regulation No. 744-P dated December 7, 2020 “On the procedure for calculating the amount of operational risk (“Basel III”) creates new opportunities for the banking sector for capital optimization to cover this type of risk. However, in recent years, financial operating losses (the damage from crimes committed in the credit and financial sector in Russia in 2021 exceeded 386 million rubles) confirm the fact that the risk from the realization of risks is more significant. The reasons are wide variety of the operational risks,

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Feschiyan, Daniela, and Radka Andasarova. "The New Approach for Risk Regulation in Banks." New Challenges in Accounting and Finance 3 (January 29, 2020): 1–13. https://doi.org/10.32038/NCAF.2020.03.01.

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The purpose of this report is to present the necessity of proceeding to new reforms in bank regulation and to increase the stability and risk sensitivity of the capital base under applying the Standardised Credit Risk Assessment Approach (SCRA) in banks. The dynamics in the bank regulation and supervision of credit risk assessment approaches are explored. In the paper, a thorough theoretical-methodological and historical-logical analysis was made of the evolution of the development and chronology of the global regulatory frameworks for banks - Basel 1, Basel 2 and Basel 3. The contemporary pro

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Das, Ramesh, Arun Kumar Patra, and Utpal Das. "Management of NPA via Capital Adequacy Norms." International Journal of Finance & Banking Studies (2147-4486) 3, no. 1 (2014): 62–74. http://dx.doi.org/10.20525/ijfbs.v3i1.169.

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The reform agenda in the financial as well as banking sector in the Indian economy was not only in the target of achieving profitable banking business but also to reduce the magnitude of banking funds locked in the bad debt account so that, among others, the real delivery of credit (the credit-deposit ratio) rises in overall fronts. The Narasimham Committee Report in respect of reducing magnitude of non- performing assets has been framed in line with the Basel Norm regarding the asset quality of the banks where capital adequacy ratio has been fixed for different banks to achieve within differe

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Rahayu, Gustina, and Suharizal Suharizal. "PELAKSANAAN LELANG EKSEKUSI PANITIA URUSAN PIUTANG NEGARA DITINJAU DARI ASPEK HUKUM ADMINISTRASI NEGARA." ALHURRIYAH: Jurnal Hukum Islam (ALHURRIYAH JOURNAL OF ISLAMIC LAW) 4, no. 1 (2019): 45. http://dx.doi.org/10.30983/alhurriyah.v4i1.1501.

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<em><span>The Committee for State Debt Affairs (PUPN), which is in the center of the capital city of the State, is a committee to streamline the implementation of authority and duties. An institution called the State Receivables Affairs Agency was renamed the State Debt and Auction Agency which has now changed the Directorate General State Accounts Receivable and Auction which is then the Directorate General of State Assets, this Agency is directly under and is responsible to the Minister of Finance for operations in the city and regency areas. The Office of State Receivables and A

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Brukwicka, Irena, and Iwona Dudzik. "Credit economy of banks during SARS-CoV-2." VUZF Review 7, no. 1 (2022): 14–21. http://dx.doi.org/10.38188/2534-9228.22.1.02.

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Each pandemic is the greatest potential, negative and global risk, especially when it is connected with high morbidity and mortality. There are also negative social and economic effects associated with a pandemic. The world is fighting nowadays against the COVID-19 pandemic, which is caused by SARS-CoV-2. Thus, there is high concern about the global economy. In the opinion of some analysts, COVID-19 will contribute to the global recession. It is worth emphasizing that the Polish Financial Supervision Authority, the Financial Stability Committee, as well as the National Bank of Poland und

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Dr, Amrit Patel. "AGRICULTURAL CREDIT POLICY IN INDIA :NEED FOR SHIFT FROM SUPPLY-LED TO DEMAND-DRIVEN CREDIT." International Journal of Marketing & Financial Management 4, no. 9 (2016): 23–43. https://doi.org/10.5281/zenodo.10816024.

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<strong>ABSTRACT </strong> <strong> </strong> In pursuance to the recommendations of the All India Rural Credit Review Committee [1969] the Government of India directed the nationalized banks including the State Bank Group & later on private sector commercial banks to finance farmers in order to significantly increase food output in particular and substantially raise agricultural growth rate in general. Government, also, adopted a multi-agency approach involving vast rural network of cooperative credit institution and regional rural banks. From time to time the Government introduced a

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Widiharsanti, Franciska Denanda Rika, Mochammad Abdul Kodir, and Embun Duriany Soemarso. "Analisis Pengendalian Internal Terhadap Penyaluran Kredit Usaha Rakyat (KUR) pada PT Bank Pembangunan Daerah Jawa Tengah Kantor Cabang Pembantu Babadan Ungaran." Jurnal Inovasi Akuntansi (JIA) 1, no. 2 (2023): 130–37. http://dx.doi.org/10.36733/jia.v1i2.7414.

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    Internal control in a company is very important. Internal control will be used by the company as a guide in carrying out its operational activities. The purpose of this study was to determine the application of the internal control system in distributing people's business credit (KUR) implemented by PT Bank Pembangunan Daerah Jawa Tengah, Babadan Ungaran Sub-branch Office and to identify whether the internal control applied is in accordance with the control components according to the Committee of Sponsoring Organizations of The Treadway Commission (COSO), which inc

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Das, Ramesh Chandra, Arun Kumar Patra, and Utpal Das. "Management of NPA via Capital Adequacy Norms: Its Effect Upon The Profile of Indian Banks and Credit Deposit Ratio." International Journal of Finance & Banking Studies (2147-4486) 3, no. 1 (2016): 62. http://dx.doi.org/10.20525/.v3i1.169.

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<div><p>The reform agenda in the financial as well as banking sector in the Indian economy was not only in the target of achieving profitable banking business but also to reduce the magnitude of banking funds locked in the bad debt account so that, among others, the real delivery of credit (the credit-deposit ratio) rises in overall fronts. The Narasimham Committee Report in respect of reducing magnitude of non- performing assets has been framed in line with the Basel Norm regarding the asset quality of the banks where capital adequacy ratio has been fixed for different banks to ac

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Hasan, A. K. M. Kamrul, and Yasushi Suzuki. "A Critique of Bangladeshi Adoption of Basel Type Capital Regulation: An Institutional View." Financial Internet Quarterly 16, no. 2 (2020): 49–65. http://dx.doi.org/10.2478/fiqf-2020-0012.

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Abstract International concern on bank capital and minimum capital adequacy was first raised in 1980, in the G-10 countries governors meeting at the Bank for International Settlements (BIS) to respond to a series of bank failures and financial instability observed in Western developed economies. Later, the Basel Committee on Banking Supervision (BCBS) of the BIS proposed the Basel accord I, II and III in 1988, 2004 and 2010, respectively. Bangladesh Bank (BB) has introduced the ‘capital to risk weighted assets’-based approach for assessing the capital adequacy of banks in 1996 and later formal

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Yu, Peiyi, Jessica Hong Yang, and Nada Kakabadse. "Developing “best practices” for bankers’ pay in line with Basel III." Risk Governance and Control: Financial Markets and Institutions 1, no. 3 (2011): 7–16. http://dx.doi.org/10.22495/rgcv1i3art1.

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This paper proposes hybrid capital securities as a significant part of senior bank executive incentive compensation in light of Basel III, a new global regulatory standard on bank capital adequacy and liquidity agreed by the members of the Basel Committee on Banking Supervision. The committee developed Basel III in a response to the deficiencies in financial regulation brought about by the global financial crisis. Basel III strengthens bank capital requirements and introduces new regulatory requirements on bank liquidity and bank leverage. The hybrid bank capital securities we propose for bank

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Bathi, Jyoti, and Gola K.R. "Payments Bank as A Tool for Financial Inclusion in India." International Journal of Advance Research and Innovation 11, no. 3 (2023): 26–28. https://doi.org/10.69996/ijari.2023005.

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In 2013, the RBI formed a committee led by Dr. Nachiket Mor to investigate comprehensive banking facilities for small enterprises, less-earning people and migratory workers. The committee proposed introducing a Payments bank for low-earning individuals and small enterprises. Any other form of bank is a payments bank, operating modestly without exposing oneself to financial risk The majority of banking transactions can be handled by a payments bank. However, they are not able to make loans or issue credit cards. Payments banks' primary goal is to promote the accessibility of banking and payment

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Serwadda, Isah. "Impact of Credit Risk Management Systems on the Financial Performance of Commercial Banks in Uganda." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 66, no. 6 (2018): 1627–35. http://dx.doi.org/10.11118/actaun201866061627.

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The paper is set to analyse the impact of credit risk management on the financial performance of commercial banks in Uganda for a period of 2006–2015 using panel data for a sample of 20 commercial banks. The study employs return on assets as a dependent variable and non‑performing loans, growth in interest earnings and loan loss provisions to total loans as credit risk measures. Secondary data is sourced from the Bank scope database, African development bank and the central bank of Uganda. The study employs descriptive statistics, regressions and correlation analysis. Regression models are to

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Xolmurotov, Fozil, and Xolilla Xolmurotov. "The Impact of Information and Communication Technology (ICT) and Bank Credit on Agricultural Performance in Uzbekistan: An Econometric Analysis." Agris on-line Papers in Economics and Informatics 17, no. 2 (2025): 125–34. https://doi.org/10.7160/aol.2025.170209.

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This study examines the dynamic effects of information and communication technology (ICT) penetration and bank credit on agricultural performance in rural Uzbekistan using an autoregressive distributed lag (ARDL) model. Based on data from the World Bank and the State Statistics Committee of the Republic of Uzbekistan for the period 2000-2022, this study examines the important role of ICT and financial resources in improving agricultural productivity. Descriptive statistics show moderate variability in agricultural performance, with strong positive correlations between agricultural output and v

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Dr., ThotaNagaraju, and TalluriSreekrishna Dr. "Financial Inclusion for Self Help Groups." International Journal of Trend in Scientific Research and Development 1, no. 5 (2017): 833–39. https://doi.org/10.31142/ijtsrd2388.

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Rangarajan's Committee on Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.Rangarajan's Committee on Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost." With a view to reach financial inclusion to the poor and rural mass in this country t

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A.A. Chonkoeva. "THE CURRENT CONDITION OF BANK LENDING OF LEGAL ENTITIES IN THE KYRGYZ REPUBLIC." Herald of KSUCTA n a N Isanov, no. 2 (June 24, 2019): 335–39. http://dx.doi.org/10.35803/1694-5298.2019.2.335-339.

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This article defines the role and importance of lending to legal entities by commercial banks in the economy of the Kyrgyz Republic. The current state of bank lending in the Kyrgyz Republic is analyzed: the structure and dynamics of loans issued, the weighted average interest rates on loans in terms of urgency. The relationship between the level of interest rates and the volume of lending for business purposes is considered. The article uses the data of the National Bank of the Kyrgyz Republic and the National Statistical Committee of the Kyrgyz Republic, structured into analytical tables and

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Ulfah, Azizah, and Vera Diyanty. "Impact of IFRS 9 Implementation and Audit Committee Effectiveness on Earnings Management in The Indonesian Banking Sector." Proceeding of the International Conference on Multidisciplinary Research for Sustainable Innovation 1 (August 12, 2024): 95–103. http://dx.doi.org/10.31098/icmrsi.v1i.788.

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Background- The implementation of IFRS 9, utilizing the Expected Credit Loss (ECL) method, along with effective oversight from the audit committee, can be a relevant strategy to anticipate earnings management practices. Purpose- to examine the impact of IFRS 9 implementation and audit committee supervision on restricting managerial discretion in loan loss provisions. Design/methodology/approach- This study will use a quantitative analysis method using secondary data from an annual report. The sampling method used in this study was purposive sampling, which resulted in selecting 42 banks listed

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Butar Butar, Sansaloni. "The effects of Corporate Governance, Audit Quality, and Conservatism on Loan Collateral Requirements." Jurnal Akuntansi dan Keuangan 22, no. 1 (2020): 28–39. http://dx.doi.org/10.9744/jak.22.1.28-39.

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In competitive credit markets, borrowers and lenders have equal information on default risks. Under these circumstances, loan collateral are less important in credit decision-making. But in emerging credit market, like Indonesia, borrowers and lenders do not possess equal information on firms’ future prospect, making use of collateral in mitigating default risk have become common practice. Despite strong theoretical support for the use of collateral to protect lenders from default risk, excessive protection may have a negative effect on the debt markets. However, some Indonesian firms are not

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Wahyudiono, Bambang. "MENELUSURI PENGARUH KOMPETENSI PROFESIONAL DAN MOTIVASI KERJA TERHADAP KINERJA ANALIS KREDIT MIKRO PADA LEMBAGA KREDIT MIKRO PERBANKAN MAUPUN LEMBAGA KEUANGAN MIKRO." JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) 1, no. 2 (2018): 30–43. http://dx.doi.org/10.34203/jimfe.v1i2.559.

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Abstract:Credit quality and Non performing loan emerged during credit periode depend on credit analyst workindicator. Other factors are any activities done after drawdown bank loan to small and micro entriprizesas well. This research will explore non performing loan based on credit analyst performance. Analystperformance will be depend variable and professional competence and motivation will be independentvariables. Based on regression and correlation analysis, the result of the analysis show that Sig on theAnova tabels show Sig = 0.033 or less than probability value 0,05. The consecuenties Ho

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