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Journal articles on the topic 'Deposit portfolio management'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Andros, Svitlana, Liudmyla Akimova, and Oksana Butkevich. "Innovations in Management of Banks Deposit Portfolio: Structure of Customer Deposit." Marketing and Management of Innovations, no. 2 (2020): 206–20. http://dx.doi.org/10.21272/mmi.2020.2-15.

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The economic and statistical analysis of the bank's deposit portfolio by the structure of deposits has been performed. An algorithm for grouping deposits by type of client, amount, maturity, and interest rate is proposed and tested. A technique is proposed for analyzing the influence of the type of forming factors: the amount, term, and interest rate on the change in the number of dividends on a bank deposit. The influence of each type of deposit on the overall increase in interest payments is determined. The purpose of the article is to improve the methodological approach to the effective man

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2

Tchiotashvili, David, and Khaliana Chitadze. "Deposit insurance risk portfolio investment policy, management and results in Georgia." InterConf, no. 47(209) (July 19, 2024): 99–109. http://dx.doi.org/10.51582/interconf.19-20.07.2024.008.

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Deposit insurance is a widely tested, dynamic, stable and effective mechanism in the world, which in turn involves the investment policy of the deposit insurance risk portfolio, its effective management and ensures protection of deposits from various types of financial risks in the event of an insurance event. Based on the correct and targeted investment policy, effective management and achieved results of the deposit insurance risk portfolio, we can safely say that the reform, which was introduced in 2018 in accordance with the best international practices and taking into account the recommen

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3

Samanta, Subarna K., and Ali H. Mohamad-Zadeh. "Bank's Portfolio Management under Uncertainty." American Economist 36, no. 2 (1992): 30–38. http://dx.doi.org/10.1177/056943459203600204.

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The major objective of this paper is to derive a set of optimal decision rules (for asset or inventory management) for a commercial bank operating under uncertain circumstances (subject to stochastic deposit loss). The bank is assumed to be maximizing the expected utility derived from it's net income. This objective is realized by the marginal conditions of the model. It shows how and under what conditions, the banker should expand loans at the expense of securities and/or excess reserves and how he adjusts to de-regulations and how the change in uncertainty about the deposit loss affects him.

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Agbonma Theresa, UDENWA, SUBERU, Abubakar Adagu, and JACOB Zaccheaus. "Effect of Liquidity Risk on the Financial Performance of Quoted Deposit Money Banks in Nigeria." International Journal of Economics, Business and Management Research 07, no. 07 (2023): 54–69. http://dx.doi.org/10.51505/ijebmr.2023.7705.

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This study examines the effect of liquidity risk on the financial performance of quoted deposit money banks in Nigeria. The ratio of loans and advances to total assets and the ratio of loans and advances to total deposits were used to measure liquidity risk, while Return on Assets (ROA) was used to measure financial performance. Data were collected from the annual financial reports of each of the deposit money banks. The study utilized panel regression to analyse the data from a sample of eleven (11) quoted deposit money banks on the Nigerian Exchange Group from 2014- 2021. The results of the

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A. A., Isibor,, Okoh, J. I., Ogunwale, O., Odukoya, O., Omojola, O., and Nwankwo, A. M. "Portfolio Management and Performance of Listed Deposit Money Banks in Nigeria." African Journal of Accounting and Financial Research 8, no. 1 (2025): 51–66. https://doi.org/10.52589/ajafr-19jimht0.

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This study was carried out to examine the effect of portfolio management on the performance of listed deposit money banks (DMBs) in Nigeria. The study anchored on the Modern Portfolio and Shiftability Theory adopted an ex-post facto approach. Hence, data were collected from the annual reports and accounts of banks with international authorization for the period 2016–2020. The study used the linear regression model in the data analysis. The empirical result of the research indicates a significant and positive relationship between credit risk management, liquidity risk management and performance

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Zulkifli, NFN. "Analisis Portofolio Optimal Dana Pengembangan Pendidikan Nasional pada Lembaga Pengelola Dana Pendidikan." Indonesian Treasury Review Jurnal Perbendaharaan Keuangan Negara dan Kebijakan Publik 2, no. 4 (2017): 65–72. http://dx.doi.org/10.33105/itrev.v2i4.36.

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One of the main tasks and functions of Indonesian Endowment Fund for Education (LPDP) is to manage the National Educational Development Fund (DPPN) through short term investment. In investment activity, the selection of investment portfolio will impact on investment returns andand risks. Therefore, an optimal investment portfolio is needed through combination selection of a number of assets so that the risk can be minimized without reducing the expected returns. This research aimsto answer management question whether the LPDP’s actual investment portfolio is an optimal portfolio. The results s

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Mitsel, Artur A., and Elena V. Viktorenko. "Dynamic model of BSF portfolio management." Russian Technological Journal 13, no. 2 (2025): 93–110. https://doi.org/10.32362/2500-316x-2025-13-2-93-110.

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Objectives. The work compares studies on BSF portfolios consisting of a risk-free Bond (B) asset, a Stock (S), and a cash Flow (F) that represents risky asset prices in the form of a tree structure. On the basis of existing models for managing dynamic investment portfolios, the work develops a dynamic model for managing a BSF portfolio that combines risk-free and risky assets with a deposit. Random changes in the prices of a risky asset are reflected in the developed model according to a tree structure. Two approaches to portfolio formation are proposed for the study: (1) initial capital is in

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8

Busch, Ramona, and Christoph Memmel. "Why Are Interest Rates on Bank Deposits so Low?" Credit and Capital Markets – Kredit und Kapital: Volume 54, Issue 4 54, no. 4 (2021): 641–68. http://dx.doi.org/10.3790/ccm.54.4.641.

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Using granular data of German banks for the 2003 to 2018 period, we analyze the determinants of bank rates on retail deposits. We find that a bank’s rate on sight deposits is especially low if the bank operates in rural districts, if it is not exposed to strong competition and if it provides much service. Regarding the rates on term deposits, we find that the bank’s cost situation plays a role: if the bank’s costs are high, its deposit rates are low. By transferring concepts from portfolio theory to the pass-through topic, we show that replicating portfolio approaches are often equivalent to r

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9

Jacob, Gabriel. "LOAN PORTFOLIO QUALITY AND EFFICIENCY OF QUOTED DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Economics Finance & Management Science 08, no. 05 (2023): 05–09. http://dx.doi.org/10.55640/ijefms-9123.

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This article investigates the relationship between loan portfolio quality and efficiency among quoted Deposit Money Banks (DMBs) in Nigeria. The study analyzes data from financial statements of selected banks to assess loan portfolio quality using metrics such as non-performing loan ratio, loan loss provision ratio, and loan recovery rate. Efficiency is measured through indicators like cost-to-income ratio, return on assets, and return on equity. The findings reveal variations in loan portfolio quality and efficiency among the sampled banks, emphasizing the importance of robust credit risk man

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Chaikovskyi, Yaroslav, and Yevhen Chaikovskyi. "Deposit operations of banks in ensuring the financial stability of the banking system of Ukraine in modern conditions." Economic Analysis, no. 34(1) (2024): 202–12. http://dx.doi.org/10.35774/econa2024.01.202.

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The development and current state of financial resources of banking institutions in Ukraine are studied. The five leading banking institutions of Ukraine in terms of assets were identified and the structure of their resources as of December 1, 2023 was analyzed. Changes in the structure of residents' deposits attracted by deposit corporations, by sectors of the economy, by types of currencies and repayment terms in 2019-01.12.2023 were studied. The dynamics of interest rates of deposit corporations on household deposits in terms of currencies for this period were analyzed. On the basis of the

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Dr., Stephen Githaiga Ngware, and Kevin Ogonji Muluka Dr. "Effect of Deposits Portfolio on the Financial Performance of Commercial Banks in Kenya." International Journal of Management and Commerce Innovations 11, no. 2 (2024): 385–96. https://doi.org/10.5281/zenodo.10838178.

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<strong>Abstract:</strong> Managing a bank's portfolio effectively, maximizing returns and minimizing risks all at once, while being constrained by management and regulatory requirements, is no easy feat. While concentrating on the removal of current risk classes, this article addresses relevant topics in the banking industry's portfolio diversification. Focusing on commercial banks in Kenya, this study evaluates the theoretical and empirical foundations of portfolio diversification as a strategy for banks operating in a nation like Kenya. This research set out to address the limitations that

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Masruroh, Aini, Ahmad Rodoni, and Iwan P. Pontjowinoto. "Optimizing Hajj Fund Management through Strategic Asset Allocation in Islamic Finance Instrument." Signifikan: Jurnal Ilmu Ekonomi 12, no. 2 (2023): 287–306. http://dx.doi.org/10.15408/sjie.v12i2.34403.

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The management of Hajj funds must be done effectively using a rigorous standardized risk management approach. This study aims to create a Hajj fund management model using Islamic financial instruments through the optimal portfolio method and strategic asset allocation. The model was built using historical data from 2010–2022, involving Islamic deposits, government sukuk (SBSN), corporate sukuk, and Islamic stocks, which were analyzed with the Markowitz portfolio equation in Excel Solver. The result showed that the optimal portfolio yields an 8.50% expected return with a 4.00% risk; strategic a

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13

Peng, Guanru. "Lessons from the Collapse of Silicon Valley Bank." Advances in Economics, Management and Political Sciences 106, no. 1 (2024): 42–53. http://dx.doi.org/10.54254/2754-1169/106/20241605.

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The Federal Reserve's consecutive interest rate hikes led to a decline in the prices of US Treasuries and mortgage-backed securities (MBS), which comprised a significant portion of Silicon Valley Bank (SVB)'s asset portfolio. As a result, SVB experienced substantial floating losses, exceeding its owner's equity, creating immense pressure on its assets and liabilities. The analysis also highlights the simple deposit and asset structures of SVB, with a high proportion of demand deposits and a significant allocation to bonds. The aggressive interest rate hikes by the Federal Reserve, coupled with

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S, Harshitha. "Portfolio Optimization Strategies for the Common Investor." International Journal for Research in Applied Science and Engineering Technology 12, no. 7 (2024): 687–700. http://dx.doi.org/10.22214/ijraset.2024.63621.

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Abstract: Financial Analytics is a key field to making investment decisions and has been developed only recently. It involves analytical thinking, computational knowledge and creative thinking about investment strategies. There are many ways to invest money. Some people invest them in Gold, some in real estate, some create a fixed deposit, some in the stock market. Some people diversify their money into different sectors of the market and invest to get an optimal profit by understanding the market. This kind of investment is called portfolio management. Unlike gambling, understanding of the po

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15

Lin, Jyh-Horng, and Chuen-Ping Chang. "Liquidity management and futures hedging under deposit insurance: An option-based analysis." Yugoslav Journal of Operations Research 14, no. 2 (2004): 209–18. http://dx.doi.org/10.2298/yjor0402209l.

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Theories on financial futures hedging are generally based on a portfolio-choice approach. This paper presents an alterative: a firm-theoretic model of bank behavior with financial futures under deposit insurance. Assuming that the bank is a certificate of deposit (CD) rate-setter and faces random CDs, expressions for the optimal futures hedge are derived under the option-based valuation. When the bank is in a bad state of the world, a decrease in the short position of the futures decreases the loan rate and increases the CD rate; an increase in the deposit insurance premium increases the loan

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16

Abbasian, Alireza, Sayyed Kazem Chavoshi, Mirfeiz Fallahshams, and Reza Gholami Jamkarani. "Examining the Impact of Parallel Market Fluctuations on Penalty Rate Levels with Predictions of Depositors' Behavior Regarding Deposit Failure Rates." International Journal of Innovation Management and Organizational Behavior 3, no. 5 (2023): 10–22. http://dx.doi.org/10.61838/kman.ijimob.3.5.2.

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Objective: This research aims to investigate the fluctuations of parallel markets on the level of penalty rates and to propose a conceptual model predicting depositors' behavior regarding deposit failure rates. Theoretically, this study contributes to the development and presentation of factors affecting customers' financial behavior in the banking system (both private and public). From an innovation perspective, the proposed model examines the actual decisions and behaviors of individuals in financial matters. Method: The research methodology is applied and post-event in nature. This study ad

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CONFIDENCE, JOEL IHENYEN (PhD)1* AMIETIMI SAMUEL AKPONIMISINGHA2. "POST IMPLEMENTATION EFFECT OF IFRS 9 ON LOAN PORTFOLIO OF LISTED DEPOSIT MONEY BANKS IN NIGERIA." ISRG Journal of Arts Humanities & Social Sciences (ISRGJAHSS) III, no. III (2025): 256–63. https://doi.org/10.5281/zenodo.15532176.

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<em>This study examines the impact of International Financial Reporting Standard 9 (IFRS 9) on the loan portfolio of Deposit Money Banks (DMBs) in Nigeria. Using a non-experimental quantitative design, the study analyzed 12 listed DMBs on the Nigeria Exchange Group from 2013 to 2022. The study compared the loan portfolio before and after the adoption of IFRS 9, using an independent samples t-test. The results show a statistically significant difference in the loan portfolio after the adoption of IFRS 9 (t = 3.182, p = 0.002). The mean difference in the loan portfolio is 0.1707, indicating an i

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CONFIDENCE, JOEL IHENYEN (PhD)1* AMIETIMI SAMUEL AKPONIMISINGHA2. "POST IMPLEMENTATION EFFECT OF IFRS 9 ON LOAN PORTFOLIO OF LISTED DEPOSIT MONEY BANKS IN NIGERIA." ISRG Journal of Arts Humanities & Social Sciences (ISRGJAHSS) III, no. III (2025): 256–63. https://doi.org/10.5281/zenodo.15532215.

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<em>This study examines the impact of International Financial Reporting Standard 9 (IFRS 9) on the loan portfolio of Deposit Money Banks (DMBs) in Nigeria. Using a non-experimental quantitative design, the study analyzed 12 listed DMBs on the Nigeria Exchange Group from 2013 to 2022. The study compared the loan portfolio before and after the adoption of IFRS 9, using an independent samples t-test. The results show a statistically significant difference in the loan portfolio after the adoption of IFRS 9 (t = 3.182, p = 0.002). The mean difference in the loan portfolio is 0.1707, indicating an i

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19

BROLL, UDO, B. MICHAEL GILROY, and ELMAR LUKAS. "MANAGING CREDIT RISK WITH CREDIT DERIVATIVES." Annals of Financial Economics 03, no. 01 (2007): 0750004. http://dx.doi.org/10.1142/s2010495207500042.

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Credit risk is one of the most important forms of risk faced by national and international banks as financial intermediaries. Managing this kind of risk through selecting and monitoring corporate and sovereign borrowers and through creating a diversified loan portfolio has always been one of the predominant challenges in bank management. The aim of our study is to examine how a risky loan portfolio affects optimal bank behavior in the loan and deposit markets, when derivatives to hedge credit risk are available. In a stochastic continuous-time framework a hedging model is developed where the b

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KHUTOROVA, Natal'ya A., and Nikita A. NAZIN. "Analyzing the efficiency of portfolio strategies based on the dividend yield concept: Evidence from the Russian stock market." Financial Analytics: Science and Experience 14, no. 3 (2021): 323–46. http://dx.doi.org/10.24891/fa.14.3.323.

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Subject. The article focuses on the formation and management of the securities portfolio. In developed economies, various strategies are used to manage portfolios. The tendencies permeate the practice of portfolio managers and in the domestic market. Objectives. We analyze the efficiency of portfolio management strategies based on the dividend yield concept in order to find the most appropriate one for the Russian market for mid-term investment. Methods. The study is based on general methods of logic, comparative and statistical analysis, graphical and indicative comparative analysis. Results.

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Алиев, О. М., and Д. М. Ибрагимова. "Studies of factors affecting the management of the deposit portfolio of a commercial bank." Экономика и предпринимательство, no. 6(119) (June 23, 2020): 1022–28. http://dx.doi.org/10.34925/eip.2020.119.6.215.

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Все больше банков стремятся стать инновационными и продвинутыми, не уделяя должного внимания основам управления депозитного портфеля. В исследовании были выделены основные факторы, влияющие на развитие портфеля: продуктовый ряд, депозитные ставки и мотивация персонала. Был проанализирован продуктовый ряд трех наиболее крупных банков, выдвинуты предложения по его оптимизации, которые затем были проверены на примере ВТБ. Для исследования тенденций рыночных ставок мы анализировали зависимость ставок группы государственных банков и группы монолайнеров друг на друга и на прирост депозитного портфел

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Li, Anlong. "Optimal bank portfolio choice under fixed-rate deposit insurance." Annals of Operations Research 45, no. 1 (1993): 243–64. http://dx.doi.org/10.1007/bf02282052.

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23

Gautam, Madhusudan. "Determinants of Bank Value: Evidence from Nepalese Commercial Banks." International Research Journal of Management Science 6, no. 1 (2021): 29–38. http://dx.doi.org/10.3126/irjms.v6i1.42336.

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Commercial banks have a pivotal role in an economy as they provide easy access for firms to fulfill financing needs and help stimulate economic development. This study aims to analyze the impact of key bank-specific determinants on bank value in Nepalese commercial banks, covering 133 observations from 19 commercial banks over the period 2012/13 to 2018/19. Bank value is measured through M/B and Tobin’s Q. Size, profitability, credit risk, loan, deposit and capital are used as explanatory variables. Panel data regression models have been used for analysis purpose. The results of this paper sho

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Nwobodo, Helen, Samuel Dada, and Ayodeji Ajibade. "EFFECT OF CREATIVE ACCOUNTING PRACTICES ON CREDIT RISK MANAGEMENT OF SELECTED DEPOSIT MONEY BANKS QUOTED IN NIGERIA." International Journal of Advanced Research in Accounting, Economics and Business Perspectives 7, no. 1 (2023): 77–93. http://dx.doi.org/10.48028/iiprds/ijaraebp.v7.i1.07.

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Sound credit risk management is one of the criteria for deposit money banks to carry out efficient financial intermediation in developed, emerging and developing economies including Nigeria. However, the manipulation of bank financial data by fraud utilizing inventive accounting techniques led to the poor credit risk management and collapse of deposit money institutions in Nigeria. The objective of the study is to examine the effect of creative accounting practices (cash assets structure, equity capital structure, loan structure, deposit liability and accrual quality) on credit risk management

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CHERNYSHOVA, Liliia, and Kateryna MUNTIAN. "Management of development of the deposit resources for a strengthen of the bank's credit potential." Economics. Finances. Law, no. 12 (December 16, 2020): 20–25. http://dx.doi.org/10.37634/efp.2020.12.4.

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The paper is devoted to studying trends in the deposit market of Ukraine and establishing the relationship between the bank's deposit portfolio and strengthening its credit positions. This topic is relevant today, since the security of the deposit base is the key to the sustainable operation of banks in the crisis economy of Ukraine. The purpose of the paper is to study trends in the development of deposit activities of the banking system of Ukraine, establish the interdependence between the deposit resources of banks and the volume of credit operations to develop effective management measures

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Chukwuma, Collins, and E. Agada Aloysius. "Credit Management and Financial Performance: Evidence from Deposit Money Banks in Nigeria." GPH-International Journal of Business Management 07, no. 05 (2024): 56–71. https://doi.org/10.5281/zenodo.12284454.

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<em>This research evaluated the effect of credit management practices on the financial performance of deposit money banks listed on the Nigerian Exchange Group (NGX) between 2014 and 2023. The study utilized correlation and ex-post facto research methodologies. Data analysis involved descriptive statistics and multiple regressions. Secondary data were sourced from the Central Bank of Nigeria's statistical bulletin and the Audited Annual Reports of the listed deposit money banks in Nigeria. The study used net interest margin (NIM) as a measure of bank performance, while credit risk, liquidity r

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Gorskiy, Mark, Andrey Rudakov, and Alexander Yemelyanov. "Optimization of Credit Activity of a Commercial Bank Based on a Parametric Model." Academic Journal of Interdisciplinary Studies 11, no. 1 (2022): 28. http://dx.doi.org/10.36941/ajis-2022-0003.

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In the past few decades, a line of research focusing on the financial portfolios of banking structures has been actively developed in the world’s economic science. The interest in deposit-and-loan portfolios is caused by the rapid growth of both the banking sector and the entire capital market in the world. This paper presents empirical research in the field of analysis of the credit and investment activities of a commercial bank with an extended set of criteria. The team of authors considered a certain approach to parametric modelling of the optimal banking portfolio taking into account unreg

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Kononchuk, Oleg. "Evaluation of financial resources of households of Ukraine: income, costs, investment tools." Market Relations Development in Ukraine 123, no. 10(281) (2024): 110–17. https://doi.org/10.5281/zenodo.14368584.

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Subject of the research – financial resources of Ukrainian households in terms of their incomes, expenses and investment tools in conditions of economic instability and martial law.The aim of the article is to assess the current state of banking services for managing investment resources of households and to propose approaches for their improvement under conditions of financial uncertainty. Methodology – a systematic approach, statistical analysis of the structure of household expenditures and incomes, as well as methods of comparison and generalization were used to identify the ma

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Edmister, Robert O., and Suresh C. Srivastava. "Loan Portfolio Composition And Management Control Of Bank Risk: An Empirical Investigation." Journal of Applied Business Research (JABR) 9, no. 1 (2011): 119. http://dx.doi.org/10.19030/jabr.v9i1.6103.

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The extent of managerial control over loan default risk is a significant policy issue for commercial banks and the public agencies which regulate them. The responsibility of bank management and the rationale for government regulation and deposit insurance rest in large measure on the fundamental issue of whether loan loss variances (over time and across banks) ensue from managerial decisions or macroeconomic conditions. Our time series models of large banks show systematic, bank dependent loss rates over time, the signs of the coefficients confirm a risk reinforcing rather than a risk adjustin

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Dash, Mihir, and Rita S. "A Study on the Effect of Portfolio Allocation on Mutual Funds." Asian Journal of Finance & Accounting 15, no. 1 (2023): 65–81. http://dx.doi.org/10.5296/ajfa.v15i1.18970.

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There are hundreds of mutual funds in the market, each offering different returns. The investors always look at funds which give high returns and have low risk. Thus while making a portfolio the asset management company should make investment allocations where returns are definite and to give justified returns for every rupee the investors pay, considering the different risks.  The objective of the study was to find the short-term effects of portfolio allocation on the performance of mutual funds. The data for the study was consisted of the portfolio allocations and the performance

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Kyenze, Amos Kitua, and Dr Moses Odhiambo Aluoch. "Financial Management Practices and Financial Performance of Deposit Taking Saccos in Nairobi City County, Kenya." American Journal of Finance 7, no. 3 (2022): 51–73. http://dx.doi.org/10.47672/ajf.1274.

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Purpose: The purpose of this study was to examine the effect of financial management practices on financial performance of SACCOs in Nairobi City County, Kenya. Methodology: This study adopted an explanatory research design. The target population consisted of the 215 deposit taking SACCOs in Kenya. A sample of 41 deposit taking Saccos in Nairobi city County registered by SASRA for the period 2015 to 2019 was drawn from the target population. Thus, the 41 deposit taking SACCOs as registered by SASRA and their published financial statements constitute the unit of analysis and unit of obser

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Mohiuddin, Golam. "Derivative Use by Commercial Banks in Bangladesh." International Letters of Social and Humanistic Sciences 47 (February 2015): 107–15. http://dx.doi.org/10.18052/www.scipress.com/ilshs.47.107.

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Derivative use by commercial banks operating in Bangladesh is hypothesized to improve their intermediary functions. The study outcome identifies the influence of derivative use on the growth of advances by commercial banks. Bank’s participation in advances increases with increase in hedging activities through futures. It has also been found that the Bangladeshi private sector commercial banks have a high exposure of risk and have externalized their risk management process. Specialized banks of Bangladesh have a low risk exposure level, but still they have moderately externalized their risk man

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Sora, Rahima Atikiya, Susan Kambura, and Abel Moguche. "Exploration of Cash Flow Management Strategy and Financial Performance of Saccos in Imenti North Sub-County, Kenya." Journal of Finance and Accounting 3, no. 3 (2023): 1–10. http://dx.doi.org/10.70619/vol3iss3pp1-10.

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The study sought to explore the influence of cash flow management strategy on financial performance of Saccos in Imenti North Sub-County, Kenya. Descriptive research design was adopted to collect data from 21 deposit and non-deposit Saccos located in Imenti North Sub-County. The target respondents included 42 accounts department officers, 114 tellers, 93 back-office staff, and 120 loan officers hence a total of 369 respondents. Descriptive and inferential statistics were used to analyze the data. Cash flow management strategy had a correlation coefficient r=0.772** at α < 0.000 and a 99% si

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Makarenko, Yuliia P., and Anhelina Yu Penia. "Analyzing the Relationship between the Bank’s Lending and Deposit Activities and Liquidity Indicators Using the Example of JSC «Joint-Stock Bank «RadaBank»." Business Inform 4, no. 567 (2025): 436–45. https://doi.org/10.32983/2222-4459-2025-4-436-445.

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In the modern conditions of the transformation of the banking environment, accompanied by an increase in systemic risks and volatility of macroeconomic indicators, the need for a thorough analysis of the interconnections between the key areas of banking institutions’ activities becomes increasingly relevant. Specifically, lending and deposit activities, being the foundation of active and passive operations respectively, determine not only the bank’s profitability but also significantly impact its liquidity level – the ability to meet obligations to clients and counterparties in a timely manner

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van Schalkwyk, Garth J., and Peter J. Witbooi. "A model for bank reserves versus treasuries under Basel III." Applied Stochastic Models in Business and Industry 33, no. 2 (2017): 237–47. http://dx.doi.org/10.1002/asmb.2238.

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Recently, the Basel Committee on Banking Supervision introduced strategies to protect banks from running out of liquidity. These measures included an increase of the minimum reserves that the bank ought to hold, in response to the global financial crisis. We propose a model to minimize risk for a bank by finding an appropriate mix of diversification, balanced against return on the portfolio. In particular, we consider jump diffusion models of bank reserves in order to address the risk due to deposit withdrawals. We formulate a stochastic optimal control problem related to the minimization of d

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Chateau, Jean-Pierre D. "Une analyse économétrique du comportement d’intermédiation financière des sociétés de crédit populaire : le cas des caisses populaires." Articles 53, no. 3 (2009): 415–47. http://dx.doi.org/10.7202/800732ar.

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Abstract Considering the Caisses populaires as a financial system, we propose an econometric model of its consolidated balance sheet built around the following four major blocks. The first one presents a dynamic sub-model of the Caisses' asset portfolio, which emphasizes their intermediation among assets on the basis of the latter interest rates. In a second block, these rates are endogenized with respect to the key variables of both the real and monetary sectors of the economy. On the liability side, the Caisses' deposit market is dealt with in a third block, namely a demand for deposits or f

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Makarenko, Yu, and V. Khatsko. "ASSESSMENT OF THE DEPOSIT PORTFOLIO MANAGEMENT OF A COMMERCIAL BANK ON THE EXAMPLE OF OTP BANK JSC." Investytsiyi: praktyka ta dosvid, no. 1 (January 21, 2021): 39. http://dx.doi.org/10.32702/2306-6814.2021.1.39.

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Mlawasi, Andrew Kubo. "Financial Risk and Profit Persistence of Deposit-Taking Savings and Credit Cooperatives in Kenya." Journal of Finance and Accounting 7, no. 1 (2023): 22–43. http://dx.doi.org/10.53819/81018102t4121.

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Compliance with the prudential standards as prescribed in the saving and Credit Cooperatives Societies Act 2008 and the subsequent regulation of 2010 has continued to be a problem. The study sought to establish the effect of financial risk on profit persistence of deposit taking savings and credit co-operatives. To achieve this, the study was directed by specific objectives that included: establishing the effect of credit risk, risk of liquidity, market risk and risk of investment on profit persistence of deposit taking savings and credit co-operatives. The study also sought to establish the m

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Tropina, Valentyna, Viktor Melnyk, Mariia Rippa, Natalia Yevtushenko, and Tetiana Rybakova. "Investment potential of non-state pension funds in Ukraine." Investment Management and Financial Innovations 18, no. 2 (2021): 79–90. http://dx.doi.org/10.21511/imfi.18(2).2021.07.

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World practice shows that non-state pension funds (NPFs) are not only a tool for supplementary pensions, but also a source of significant investment in the economy. This study aims at determining the investment potential of 65 Ukrainian NPFs currently functioning in the country. The analysis of Ukrainian NPFs has shown their insignificant role as an investment resource (the volume of their assets is 0.09% of GDP). At the same time, NPFs operate with significant funds (UAH 3.1 billion in 2019), but the lack of a developed stock market and effective financial instruments in the country narrows t

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Sawada, Michiru. "Liquidity risk and bank portfolio management in a financial system without deposit insurance: Empirical evidence from prewar Japan." International Review of Economics & Finance 19, no. 3 (2010): 392–406. http://dx.doi.org/10.1016/j.iref.2009.10.010.

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Kilika, S. "Lending Methods: A Financial Performance Determinant of Deposit -Taking Microfinance Institutions in Kenya." International Journal of Advances in Scientific Research and Engineering 5, no. 3 (2019): 138–49. https://doi.org/10.31695/IJASRE.2019.33128.

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<em>The purpose of the study is to describe loan lending methods as a determinant of financial performance of deposit-taking Microfinance institutions (DTMFIs) in Kenya. The study sought to determine the financial cost implications of lending methods as a key determinant of DTMFIs’ financial performance. The theories included capital structure, portfolio theory, the economic theories (theory of choice, finance theory, capital investment theory, investor choice theory, preference theory and efficient capital market theory). The target population of the study was 138 DTMFIs in Kenya. The s

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Mustafa, Isedu, and Erhabor Erhabor. "Does the exposure to financial risks have an impact on the efficiency of deposit money banks in Nigeria?" Asian Journal of Economics and Business Management 1, no. 1 (2022): 8–25. http://dx.doi.org/10.53402/ajebm.v1i1.49.

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The management of deposit money banks' risk portfolio investments in an effective manner in order to maximize the wealth of their shareholders by guaranteeing safety, returns on depositors' funds, and confidence in the system is the primary function of deposit money banks in the modern era. The study took an empirical approach to examining the effects that financial risks have on the overall performance of deposit money banks in Nigeria. To be more specific, shifts in financial performance were analyzed from the perspective of the relative effects of credit risk, liquidity risk, market risk, o

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Obondy, Stephen, Josiah Aduda, Kennedy Okiro, and Onesmus Mutunga. "Credit Risk Management, Efficiency and Financial Performance: Evidence from Deposit-Taking Savings and Credit Cooperative Societies in Kenya." Research Beacon 19, no. 1 (2025): 74–92. https://doi.org/10.70907/17dv2j37.

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This study examines the mediating role of efficiency in the relationship between credit risk management and financial performance of deposit-taking Savings and Credit Cooperative Societies (DT-SACCOs) in Kenya. While credit risk management practices such as risk identification, risk analysis and risk control are known to influence financial performance, the extent to which internal operational efficiency enhances or moderates this relationship remains unclear. Anchored on the Financial Intermediation Theory and supported by Modern Portfolio Theory, the study adopted a descriptive cross-section

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:Kolade, Sunday Adesina, and Olurotim Ajibola. "Determinants of Bank Profitability: Panel Evidence on Bank-Specific Variables in Nigeria." Determinants of Bank Profitability: Panel Evidence on Bank-Specific Variables in Nigeria. 2, no. 2 (2013): 01–08. https://doi.org/10.5281/zenodo.3404590.

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This study investigated the impact of bank-specific variables on bank profitability in the Nigerian banking industry. In investigating the impact, a regression is used. Using an unbalanced panel data set comprising 65 observations of 15 banks over the 2006-2010 period, the regression results confirm and differ from some previous findings. The results reveal that bank capital adequacy, bank credit portfolio size, and bank credit risk are significant determinants of bank profitability in Nigeria. It also reveals that bank size, customers’ deposit, and management efficiency (measured by ope

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Rusina, Yuliia O. "CURRENT STATUS AND PERSPECTIVES OF THE DEVELOPMENT OF INVESTMENT ACTIVITY OF THE COMMERCIAL BANKS DURING MILITARY AGGRESSION." Journal of Strategic Economic Research, no. 1 (July 13, 2023): 35–44. http://dx.doi.org/10.30857/2786-5398.2023.1.4.

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Because of writing the scientific work, it was established that the protracted war, terrorist attacks on the energy infrastructure and the subsequent suppression of the economy provoked by this are the main sources of risks for the financial stability of commercial banks. The state of investment activity of commercial banks was studied and it was determined that in order to increase it and reduce the risk of loss of liquidity in war conditions, commercial banks should apply methods of passive investment portfolio management. It has been proven that the combination of financial assets with diff

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Gautam, Madhusudan. "Competitive Conditions in Nepalese Commercial Banks." Journal of Nepalese Business Studies 14, no. 1 (2021): 82–95. http://dx.doi.org/10.3126/jnbs.v14i1.41494.

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This study aims to analyze the competitive conditions of commercial banks in Nepal. Competition is measured through structural and non-structural measures of bank competition. Data were taken from 21 commercial banks of Nepal using pooled sampling method, including five commercial banks based on the highest total assets and sixteen commercial banks using random sampling. Concentration ratio, Herfindahl-Hirschman Index, H-statistic and Lerner Index measures were used to assess the competitive position of Nepalese commercial banks. Panel data regression model with bank fixed effect and time fixe

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Mutua, Rabecca Nundu, Ambrose Jagongo, and Eddie Simiyu. "FINANCIAL OUTREACH AND FINANCIAL SUSTAINABILITY OF LICENSED DEPOSIT TAKING MICROFINANCE INSTITUTIONS IN NAIROBI CITY COUNTY, KENYA." International Journal of Finance and Accounting 5, no. 2 (2020): 69. http://dx.doi.org/10.47604/ijfa.1179.

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Purpose: The purpose of this study was to investigate the relationship between financial outreach and financial sustainability of deposit taking microfinance institutions in Nairobi County, Kenya. Methodology: The study employed a positivism research philosophy to determine the relationship between financial outreach and financial sustainability. A population of 13 licensed Deposit Taking Microfinance Institution was considered for this study. Census method was preferred due to small number of target population. A static Panel linear regression model with fixed effect was developed for b

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Achmad, Achmad, and Ahmad Fauzi. "DETERMINASI RISIKO KREDIT PADA PERBANKAN SYARIAH INDONESIA." Jurnal Ekonomi Integra 15, no. 2 (2025): 213. https://doi.org/10.51195/iga.v15i2.408.

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Islamic banking is an essential component of the global financial system, offering financial products and services based on Sharia principles. One of the key challenges faced by Islamic banks is the risk of non-performing financing (NPF), as financing is their primary product. This study aims to analyze the factors influencing NPF in Islamic commercial banks in Indonesia during the period 2019–2023, using panel data regression analysis. The results show that the Operating Cost to Operating Income ratio (OCOI), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Financing to Deposit Ratio

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BAYAI, Innocent, and Sylvanus IKHIDE. "Financing Structure and Financial Sustainability of Selected SADC Microfinance Institutions (MFIs)." Annals of Public and Cooperative Economics 89, no. 4 (2018): 665–96. https://doi.org/10.5281/zenodo.2548229.

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This study analyses selected Southern Africa Development Community (SADC) Microfinance Institutions (MFIs) in delineating how commercialized financing structure relates to financial sustainability given the need to control poverty through financially sustainable MFIs. The study takes from a recent SADC microfinance survey which recommended financial rescue packages for ailing MFIs to proffer financial sustainability. This survey failed to specify the form of financing which supports financial sustainability in addition to the inconclusive and little evidence in this regard. We note that though

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Nurul Chalisa Majiding, Ambarwati Akib, Dwi Utami, Sri Utami, and Magfirah Wahyu Ramadhani. "Strategi Penanganan Non-Perfoming Loan dan Implikasinya terhadap Stabilitas Keuangan Bank: Studi Kasus pada Bank Sulselbar." JURNAL RUMPUN MANAJEMEN DAN EKONOMI 2, no. 3 (2025): 366–74. https://doi.org/10.61722/jrme.v2i3.4527.

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This study examines the strategies employed by Bank Sulselbar to manage non-performing loans (NPL) and their implications for the bank’s financial stability. Using a qualitative case study approach, in-depth interviews and conducted alongside internal document analysis. Findings reveal that a combination of preventive measures—such as strict credit appraisal and ongoing monitoring—and curative actions—including loan restructuring, intensive debtor communication, and collateral execution—have effectively contained NPLs below the central bank’s threshold of 5%. Despite external shocks from the C

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