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Journal articles on the topic 'Determining the financial stability of banks'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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1

Mahendra, Taufik Riza, and Syafiq Mahmadah Hanafi. "The Influence of Financing, Social Finance, and GCG On Islamic Bank Financial Stability in Indonesia." Jurnal Magister Ekonomi Syariah 3, no. 2 Desember (2025): 88–109. https://doi.org/10.14421/jmes.2024.032-07.

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The current development of banking has become a benchmark in determining Indonesia's economic growth. The benchmark for determining the development of banking can be seen from several conditions of the bank's financial performance. In maintaining its business activities, Islamic banks are required to uphold the stability of their institutions. This study examines and analyzes the influence of financing, corporate social responsibility (CSR), and audit committees on the financial stability of Islamic commercial banks in Indonesia. The method used in this study is quantitative-descriptive. The s
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2

Doroshenko, N., and V. Shynkarenko. "Factors of financial stability of Ukrainian banks: impact and trends." Bulletin of V. N. Karazin Kharkiv National University Economic Series, no. 107 (December 30, 2024): 64–75. https://doi.org/10.26565/2311-2379-2024-107-06.

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The financial stability of banks is critically important for ensuring the stability of the financial system and economic development. This study analyzes the influence of various factors on the financial stability of banks, such as liquidity, profitability, monetary policy, political situation, technological development and human factors. The purpose of this study is to identify and analyze factors that affect the financial stability of banks using a structural approach. Tasks include studying the influence of indicators of banking activity on their financial stability. The study identifies ke
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3

Silva, André F. "Strategic Liquidity Mismatch and Financial Sector Stability." Review of Financial Studies 32, no. 12 (2019): 4696–733. http://dx.doi.org/10.1093/rfs/hhz044.

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Abstract This paper examines whether banks strategically incorporate their competitors’ liquidity mismatch policies when determining their own and the impact of these collective decisions on financial stability. Using a novel identification strategy exploiting the presence of partially overlapping peer groups, I show that banks’ liquidity transformation activity is driven by that of their peers. These correlated decisions are concentrated on the asset side of riskier banks and are asymmetric, with mimicking occurring only when competitors take more risk. Accordingly, this strategic behavior in
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4

Trofimova, Iuliya, Aidar Mambetkaziyev, Galina Konopyanova, Marina Kozlova, and Yevgeniy Varavin. "Enhancing the methods used to evaluate the competitiveness of commercial banks." Journal of Eastern European and Central Asian Research (JEECAR) 11, no. 3 (2024): 424–38. http://dx.doi.org/10.15549/jeecar.v11i3.1418.

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Scientific novelty of this study is determined by the fact that the assessment of the bank's competitiveness is carried out in the context of financial stability. In international financial organisations (which include banks), the financial stability of a bank is understood as an effective ability to distribute financial resources, ensure financial risk management (which is what banks do). This approach to determining the financial stability of a bank is also used in the study – the essence of financial stability reflects the state of financial resources and the degree of their use. Consequent
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5

Damrah, Sadeq, Mohammad I. Elian, Mohamad Atyeh, Fekri Ali Shawtari, and Ahmed Bani-Mustafa. "A Linear Mixed Model Approach for Determining the Effect of Financial Inclusion on Bank Stability: Comparative Empirical Evidence for Islamic and Conventional Banks in Kuwait." Mathematics 11, no. 7 (2023): 1698. http://dx.doi.org/10.3390/math11071698.

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Recently, financial inclusion and bank stability have gained attention among researchers, particularly since the 2008 global financial crisis. This study investigates how financial inclusion may have influenced bank stability given differences in banks’ structure based on operating principles (Islamic and conventional banks) during the period of 2003–2017, using Kuwait as a high-income economy case. The current paper assesses how bank stability responds to financial inclusion. This work adopts a Linear Mixed Model (LMM), which tracks variables over time while considering other time-invariant v
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6

Eid, Qasim Mousa Abu, Mohyi Aldin Abu Al Houl, Mohammad Toma Suleiman Alqudah, and Mohammed Abd-Alkarim Almomani. "The Role of Financial Inclusion in the Stability of Islamic Banks." International Journal of Professional Business Review 8, no. 4 (2023): e01214. http://dx.doi.org/10.26668/businessreview/2023.v8i4.1214.

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Purpose: The purpose of this research is studying the role of financial inclusion on financial stability in the Islamic banks, Highlighting the role of Islamic law in promoting financial and banking inclusion. Theoretical framework: Introduce financial inclusion and definition of financial inclusion, statement of financial stability, and the role of financial inclusion in the stability of Islamic banks, in which the concept of financial inclusion and its dimensions was reviewed. Methodology: The study was based on a qualitative research method, as it collected information from books, reports,
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7

Elda, Elda yanti. "ANALYSIS OF THE INFLUENCE OF NON-PERFORMING CREDIT POLICIES ON CONVENTIONAL BANK FINANCIAL STABILITY IN INDONESIA." Indonesian Journal of Multidisciplinary Sciences (IJoMS) 2, no. 1 (2023): 45–55. http://dx.doi.org/10.59066/ijoms.v2i1.300.

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Credit risk is the risk that occurs when customers fail to fulfill their obligations to the bank, both principal and interest. (Risna Eka Peratiwi, 2018 )The non-performing loan policy is a step taken by a bank to overcome credit risks arising from bad or uncollectible loans. Financial stability is an important indicator in determining the financial soundness and continuity of a bank's operations. The purpose of this research is to examine and find out the influence of non-performing credit policy arrangements on financial stability, identify the factors that can influence non-performing credi
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8

Yehorycheva, Svitlana, and Oksana Vovchenko. "Financial Stability of Banks and Its Monitoring in Ukraine." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 4(79) (December 28, 2020): 69–77. http://dx.doi.org/10.26906/eir.2020.4(79).2166.

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The concept of financial stability of banks as a complex and multifaceted category, the content of which is constantly enriched, has been developed. Approaches to determining the financial stability and financial stability of banks, in particular, are considered. It is noted that modern operational, functional, institutional, technological features of banks cannot but affect the content of their financial stability and update the mechanisms for its ensuring. Emphasis is placed on the need for early adaptation of banking institutions to objective transformations of the economic environment thro
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9

Nugroho, Muh Rudi, and Ibnu Qizam. "Financial System Stability in Indonesia during The Global Financial Crisis 2007/2008: Conventional vis-à-vis Islamic." Global Review of Islamic Economics and Business 2, no. 2 (2015): 136. http://dx.doi.org/10.14421/grieb.2014.022-05.

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This research aims to analyze the financial stability especially in dual banking system in Indonesia and discusses the role of Islamic banks in the financial stability of national banks. In addition, this study also focuses on the analysis of the determinants of financial stability namely on the national banking Industry. This research uses panel data in which combined data between time series and cross section with an observation periods are 2005:1 - 2009:1 by using an internal variable of banks and macroeconomic data. Z-score analysis will be used as main tool analysis regressed with interna
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10

Tukhtaevich, Makhmudov Omon. "THE NEED AND THEORETICAL BASIS OF DETERMINING THE RATING OF COMMERCIAL BANKS." European International Journal of Multidisciplinary Research and Management Studies 02, no. 11 (2022): 09–13. http://dx.doi.org/10.55640/eijmrms-02-11-03.

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Commercial banks are considered as the locomotive of all economic entities in the world. Therefore, the financial stability and reliability of banks in many cases is one of the extremely pressing issues for states, central banks and clients, and if it is necessary to carry out remote control over their activities, develop various regulatory and legal standards, as well as based on the results of compliance with established regulatory standards, determination of ratings is considered as an urgent issue. At the same time, independent entities as well as rating organizations throughout the world
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11

Mogilnikov, S. "Approaches to determining the operational efficiency of banks." Siberian Financial School, no. 4 (December 10, 2021): 105–10. http://dx.doi.org/10.34020/1993-4386-2021-4-105-110.

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Having an efficient banking system is crucial to ensuring sustainable economic growth, but the resulting uncertainty threatens the economic stability on which most financial companies thrive. Banks' interest income is constantly decreasing, and competition in the transactional business is increasing. There is a need to focus efforts on increasing the operational efficiency of banks after a long period of concentration on customer satisfaction. The author continues to study the methodological elaboration of this problem, analyzing the scientific literature, including approaches to determining t
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12

Kuznyetsova, Аngela, Іryna Boiarko, Мyroslava Khutorna, and Yuliia Zhezherun. "Development of financial inclusion from the standpoint of ensuring financial stability." Public and Municipal Finance 11, no. 1 (2022): 20–36. http://dx.doi.org/10.21511/pmf.11(1).2022.03.

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Since 2013–2015, financial inclusion has been considered a determinant of economic and social inclusion. Meanwhile, the impact of financial inclusion on economic development directly depends on financial stability. This paper focuses on the development peculiarities of financial inclusion in relation to ensuring financial stability and provides recommendations to Ukraine. The inclusive development theory and gap theory form the theoretical research base, while generalization, statistical methods, coefficient and graphical analysis, comparison and ranking represent its methodological basis. Fin
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13

Agarkova, Lyubov V., Olga V. Elchaninova, Raisa I. Safiullaeva, and Elvira A. Rusetskaya. "INVESTIGATION OF THE SENSITIVITY OF A COMMERCIAL BANK TO MARKET RISKS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/17, no. 153 (2024): 157–66. https://doi.org/10.36871/ek.up.p.r.2024.12.17.020.

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The financial condition plays a key role in the functioning of a credit institution, since its analysis reveals the bank’s ability to finance its current activities and maintain solvency, which confirms the relevance of conducting assessment diagnostics in terms of determining the financial stability of commercial banks. Indicators diagnosing financial stability are the most important components of the characteristic of the financial component and performance results of a commercial bank. The financial stability of a commercial bank provides it with significant advantages in the market, which
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14

Zamzam, Hassan Mohamed. "The Effectiveness of Monetary Policy on the Financial Stability of the Commercial Banks in Somalia." International Journal of Innovative Science and Research Technology 7, no. 1 (2022): 107–11. https://doi.org/10.5281/zenodo.5879048.

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The purpose of this study is to look into the impact of Somalia's monetary policy on the financial stability of the country's commercial bank and to determine the impact of Open Market Operations on the financial stability of Somalia's commercial banks. This study's goal is to investigate the impact of Somalia's central bank interest rate on commercial bank stability, as well as to analyze the impact of reserve ratio requirements on Somali commercial banks' financial stability, and also the impact of internal and macroeconomic factors on Somali commercial banks' fin
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15

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

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The article describes modern approaches to banking supervision, focused on the study of business models of banks and their risk profile. Approaches to determining the regime of supervision and measures to influence banks should take into account the specifics of their financial condition and the city in the market of banking services. Supervision tools should be objective and transparent. The introduction of innovative methods for determining business models and adequate supervisory actions is especially relevant in the period of instability of the banking system of Ukraine. Over the past ten
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16

Ptashchenko, Liana, Nelia Volkova, and Valeriia Volkova. "Improving Bank Transparency in Assessing Financial Stability of Ukraine’s Banking System." International Journal of Engineering & Technology 7, no. 4.8 (2018): 865–70. http://dx.doi.org/10.14419/ijet.v7i4.8.28138.

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The paper focuses on solving the problem of banks transparency in assessing financial stability of Ukraine’s banking system under economic instability. The financial crisis in the country calls for developing a methodology supply for assessing financial stability of both individual banks and the banking system as a whole. We believe that the methodical tool for studying the financial activity of a banking institution should provide a bank with the opportunity for a long-term development rather than for the coming years. This is a priority task of a bank because under unstable economic develo
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17

Gómez-Martínez, Raúl, Benito Pérez-González, María Luisa Medrano-García, and Jose Torres-Pruñonosa. "Understanding confidence in Banks: the role of personal characteristics and Artificial Intelligence." Anales del Instituto de Actuarios Españoles, no. 30 (July 31, 2024): e03. http://dx.doi.org/10.26360/2024_03.

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Confidence in banks and financial institutions is a cornerstone of financial stability and economic prosperity. This study investigates the relationship between personal characteristics and confidence in banks, recognizing the pivotal role of trust in shaping individuals' perceptions of financial institutions. Through a mixed-methods approach combining survey techniques and artificial intelligence modelling, we analyse data collected from a representative sample of the university community. Our findings highlight the significant influence of demographic factors such as age, gender and educatio
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18

Saddam, Siti Zaitun, Mohamad Nizam Jaafar, Amirul Afif Muhamat, Nurien Syahirah Mohd Nizam, and Nurin Aqilah Halim. "Determinants of Islamic Banks’ Stability in Malaysia and Indonesia." Indonesian Capital Market Review 16, no. 1 (2024): 17–29. http://dx.doi.org/10.21002/icmr.v16i1.1193.

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The economic prosperity of any nation relies on its banking sector, which serves as the linchpin of the economy. This paper investigates key bank specific factors influencing the stability of Islamic banks in Malaysia and Indonesia from 2012 to 2021. Using panel data analysis, the study identifies the fixed effect model as the optimal approach. The subsequent fixed effect regression analysis highlights the significance of the cost-to-income ratio in determining financial stability for both Malaysian and Indonesian Islamic banks. Notably the study reveals that the non-performing loan ratio is t
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19

ЯНКИНА, И. А., and О. С. БАВРОВА. "ENDOGENOUS FACTORS OF FINANCIAL STABILITY OF SYSTEMICALLY IMPORTANT BANKS (SBERBANK CASE)." Экономика и предпринимательство, no. 5(154) (July 1, 2023): 1096–100. http://dx.doi.org/10.34925/eip.2023.154.5.219.

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В статье представлены результаты определения экзогенных факторов финансовой устойчивости системно-значимых банков для повышения их стабильности и эффективности регулирования. Актуальность работы обусловлена увеличивающейся системной нагрузкой, внедрением цифровых инноваций, усложнением своей архитектуры внутри холдингов и групп. The article presents the results of determining the exogenous factors of financial stability of systemically important banks to improve their stability and efficiency of regulation. The relevance of the work is due to the increasing system load, the introduction of dig
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20

Hubarieva, Iryna, Olesіa Lebid, and Oleksandra Zuieva. "Determining the priority sources for attracting deposits in the formation of the financial potential of banks." Banks and Bank Systems 12, no. 3 (2017): 215–27. http://dx.doi.org/10.21511/bbs.12(3-1).2017.06.

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The attraction of deposits by the banks in Ukraine is the basis for the formation of their resource base, which is an essential component of the banking financial potential. A qualitative formation of the bank’s resource base is carried out through proper management of attracting deposits in terms of their selection and giving preferences to specific sources of resource allocation. That is why the determination of priorities in attracting resources by banks and the formation of appropriate tools is an important tactical task in ensuring the stability of the Ukrainian banking system. The proble
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21

Sobolieva-Tereshchenko, Olena, and Yuliya Zhukova. "Stress testing the banking systems: Approach of Ukraine." Journal of Eastern European and Central Asian Research (JEECAR) 7, no. 2 (2020): 205–18. http://dx.doi.org/10.15549/jeecar.v7i2.358.

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Scientific-methodical approaches to stress testing Ukrainian banking system in the context of the banks groups: state-owned, owned by Russia, foreign, private Ukrainian are analyzed in this study. It identifies an influence of the different groups in regulate the level of financial stability of the banking system. Highest level of financial stability of Ukrainian banking system was found to be connected with activity foreign banks from Eastern Europe and Central Asia exclaims banks owned by Russia and Ukraine.
 The proposed study, by using NBU stress testing scenario and by impacting of t
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22

Muroqi, Achmad, Andi Irawan, I. Wayan Astu Upekca, Henny SL, and Farah Margaretha. "The Influence of Specific towards the Bank Performance Listed on the Indonesian Stock Exchange." Quantitative Economics and Management Studies 5, no. 6 (2024): 1271–84. https://doi.org/10.35877/454ri.qems3746.

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This study investigates the influence of specific financial variables on the performance of banks listed on the Indonesia Stock Exchange. The research employs a quantitative approach using secondary data obtained from financial reports and annual reports of listed banks over a five-year period from 2019 to 2023. These data were sourced from the official website of the Indonesia Stock Exchange and individual bank websites. The analysis was conducted using regression analysis with the assistance of EViews 12 software. The results indicate that Capital Adequacy (CA) significantly affects Return o
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23

Khoirin, Laurina Trisnaning Putri, and Barianto Nurasri Sudarmawan. "SHARIAH BANKING DYNAMICS: FINANCIAL PERFORMANCE AND STABILITY AMID MIDDLE EAST CONFLICT." Al-Infaq: Jurnal Ekonomi Islam 1, no. 1 (2024): 49. http://dx.doi.org/10.32507/ajei.v1i1.2720.

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Financial system resilience is crucial in maintaining a country's economic stability, and the role of the banking industry, particularly Islamic banks in the Middle East, is a key element in this context. Healthy bank conditions and efficient intermediation operations are vital indicators in determining the level of stability. This study aims to explore the influence of financial performance on the stability of Islamic banks in times of conflict, particularly in the period 2013-2022 in the region. Using quantitative method, this study adopts panel data regression test through Eviews 12 softwar
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24

Sulong, Zunaidah, Mohamed Hisham Yahya, and Zanariah Salleh. "A Study on the Efficiency and Stability of Different Categories of Banks in Malaysia." Journal of Muamalat and Islamic Finance Research 17, no. 1 (2020): 1–13. http://dx.doi.org/10.33102/jmifr.v17i1.256.

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This paper aims to gain new insights on efficiency and stability in a dual banking system. It evaluates the efficiency level and stability performance of two types of bank operating in Malaysia, i.e. conventional and Islamic, between 2012 to 2017. The data was extracted from Central Bank of Malaysia (BNM) and annual reports of individual banks. Z-score and data envelopment analysis (DEA) were employed to evaluate bank efficiency and stability, respectively. T-test and panel data regression were used in determining the disparity in stability performance. Interestingly, the results reveal differ
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25

Akinbola Olawale. "Capital adequacy and financial stability: A study of Nigerian banks' resilience in a volatile economy." GSC Advanced Research and Reviews 21, no. 1 (2024): 001–12. http://dx.doi.org/10.30574/gscarr.2024.21.1.0346.

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This study investigated the relationship between capital adequacy and financial stability in Nigerian banks within a volatile economic environment. The research stemmed from the challenges of inadequate bank deposits, largely due to Nigeria’s large unbanked population and limited access to formal financial services. This situation undermined banks' ability to accumulate capital and lend effectively, hampering economic growth. The study aimed to evaluate how capital adequacy ratio (CAR) influences the financial stability of banks, with a focus on the impact of monetary policy and capital regula
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Lawal, Shuaib Tunde. "THE IMPACT OF INTERNAL FACTORS ON FINANCIAL PERFORMANCE: AN EMPIRICAL STUDY OF NIGERIAN DEPOSIT MONEY BANKS." International Journal of Economics Finance & Management Science 08, no. 06 (2023): 16–20. http://dx.doi.org/10.55640/ijefms-9128.

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This empirical study investigates the impact of internal factors on the financial performance of Nigerian Deposit Money Banks (DMBs). Internal factors, such as capital adequacy, asset quality, management efficiency, earnings quality, and liquidity, play a critical role in determining the financial health and profitability of banks. Understanding the relationship between these internal factors and financial performance is crucial for banks' sustainable growth and stability. The study utilizes a panel dataset comprising financial data of Nigerian DMBs over a specified period. Multiple regression
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27

Sharma, Sunil, S. Prasanna, and Amir Ahmad Dar. "Performance analysis of Indian private sector banks: insights from CAMELS and statistical technique." Edelweiss Applied Science and Technology 9, no. 5 (2025): 2355–71. https://doi.org/10.55214/25768484.v9i5.7475.

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The performance of banks is crucial for a country’s economic development as they serve as important financial intermediaries. This study aims to evaluate the performance of private sector banks in India using the CAMELS model. The CAMELS model evaluates bank performance based on six parameters: Capital Adequacy, Asset Quality, Management Quality, Earnings, Liquidity, and Sensitivity to Market Risk. Regression analysis and ANOVA are employed to examine the influence of these CAMELS parameters on banks' return on assets (ROA). Additionally, a weighted average rating technique is used to rank eac
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28

Olaniyi, Oladokun Nafiu, Shamsul Kamariah Abdullah, and Charmele Ayadurai. "Determinants of Off-Balance Sheet (OBS) Activities: A Case of Selected Retail Banks in Malaysia." Asia-Pacific Management Accounting Journal 14, no. 1 (2019): 95–113. http://dx.doi.org/10.24191/apmaj.v14i1-05.

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The present paper examines factors influencing the Off-Balance Sheet activities of selected commercial banks in Malaysia for the period 2004- 2014. OBS activities are an integral part of financial institutions in response to the needs of businesses for different types of guarantee that have conflicting implications on the stability of financial institutions. Data collected on selected banks from the Bankscope database was analyzed using the Generalized Method of Moments (GMM) regression. Specifically, the study built its analysis on three main recognized determining factors namely: (1) liquidi
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29

Njoki, Nicholas Mbugua. "Factors Affecting Financial Performance of Commercial Banks in Kenya." Journal of Finance and Accounting 100, no. 115 (2023): 100–115. http://dx.doi.org/10.53819/81018102t2122.

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Commercial banks are crucial in determining a nation's economic growth and stability. The study objective was to determine the variables that affect Kenya's commercial banks financial performance. ROA measurement of financial performance served as the dependent variable. The independent factors included bank size, managerial effectiveness, asset quality, liquidity, and capital adequacy. To explain the relationship between the dependent and independent variables, the study employed a descriptive research approach. The analysis was done using a multiple linear regression model with secondary dat
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Barakat, Abdallah Izzat Mahmoud, Hussein Mohammad Samhan, and Kefah Abdelkader Al-Souri. "Implementation of Aaoifi Standard No.35 by Saudi Islamic Banks: Opportunities and Challenges." International Journal of Professional Business Review 8, no. 8 (2023): e02639. http://dx.doi.org/10.26668/businessreview/2023.v8i8.2639.

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Purpose of the study: The research aims to study and analyze the reality of reserves in Islamic banks in light of Financial Accounting Standard No. 35 issued by AAOIFI in 2018. In addition to determining the accounting irregularities or errors, in the practice of accounting and disclosure related to reserves in Saudi Islamic banks. Theoretical Framework: The research is based on the financial standards of the Islamic banks. Recent financial crises have prompted increased attention from the international community on the need for domestic financial institutions to be strengthened in order to be
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Duho, King Carl Tornam, Joseph Mensah Onumah, and Raymond Agbesi Owodo. "Bank diversification and performance in an emerging market." International Journal of Managerial Finance 16, no. 1 (2019): 120–38. http://dx.doi.org/10.1108/ijmf-04-2019-0137.

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Purpose The purpose of this paper is to investigate the impact of diversification on profitability, profit efficiency and financial stability of Ghanaian banks. Design/methodology/approach The authors employed a panel regression technique on a data set of 32 banks from 2000 to 2015. The data envelopment analysis is used to compute profit efficiency scores with credit risk accounted for. Findings The results suggest that income diversification decreases profit, profit efficiency and financial stability. The impact on profit and stability is U-shaped. The impact of asset diversification was foun
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Trần, Tâm Thanh, and Lê Vũ Tường Vy. "Effects of banking scale and operating expenses to profit of joint stock commercial banks in Vietnam." Science & Technology Development Journal - Economics - Law and Management 5, no. 2 (2021): first. http://dx.doi.org/10.32508/stdjelm.v5i2.733.

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The operation of the bank is an important economic activity, which has contributed significantly to the development of the national economy over the past years. Therefore, the efficiency in the business operations of joint stock commercial banks is a topic that needs to be addressed, as it directly affects the efficiency in providing capital to businesses, as well as the stability and development of the financial market. Determining the factors affecting the profitability of joint-stock commercial banks will help managers to operate the bank's operations more efficiently. The purpose of this p
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33

Kawsar, Jahan, Kabir Mohammod Akbar, and Saima Farjana Nur. "Determinants of Financial Stability: Evidence from Listed Commercial banks in Bangladesh." DIU Journal of Business and Entrepreneurship 12, no. 02 (2019): 13–28. http://dx.doi.org/10.36481/diujbe.v012i2.q11fnj40.

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Bangladesh should encourage progressing its banking industry to promote economic growth. As a rising country determining financial stability (FS) of banking sector of Bangladesh is a vital issue nowadays.This study examined the factors affecting financial stability in listed Private Commercial Banks (PCBs) in Bangladesh using panel data consisted of five year observations (2012-2016) for each of 28 PCBs listed in Dhaka Stock Exchange (DSE). FS is measured by Altmank Z-score and Pooled Ordinary least square (Pooled OLS) and Panel regression methods have been applied to find out the factors nece
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Olunja, Arnold Omondi. "Examining the Role of Capital Structure in Financial Performance in Kenyan Banks: Comparative Evidence from Equity Group, KCB Group, and Stanbic Kenya." International Journal of Research and Innovation in Social Science IX, no. III (2025): 2387–405. https://doi.org/10.47772/ijriss.2025.90300186.

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This study examined the role of capital structure in financial performance among Kenyan banks, focusing on Equity Group, KCB Group, and Stanbic Kenya over the financial years 2021–2023. The study aimed to analyse the relationship between capital structure and profitability, assess its impact on financial stability, investigate the effects of agency costs on capital structure decisions, and develop strategic recommendations for optimal capital management. The research was grounded in the Modigliani-Miller Theory, Trade-Off Theory, Pecking Order Theory, and Agency Theory, which provided a theore
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Kolodiziev, Oleh M., and Volodymyr O. Berehovyi. "Financial Security of Banks under Martial Law: The Impact of Digital Instruments and Innovations." Business Inform 9, no. 560 (2024): 335–41. https://doi.org/10.32983/2222-4459-2024-9-335-341.

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The article is aimed at generalizing approaches to determining the impact of the introduction of innovations in banking activity on the financial security of banks, taking into account the stage of actuation of the processes of digitalization of the national economy, as well as specifying the key features and characteristics of threats to financial security under martial law. The article verifies the key role of the banking system in ensuring macrofinancial and price stability, which remains a pivotal prerequisite both for stabilizing business and population expectations and for economic recov
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Kasri, Rahmatina Awaliah, and Chairilisa Azzahra. "Determinants of Bank Stability in Indonesia." Signifikan: Jurnal Ilmu Ekonomi 9, no. 2 (2020): 153–66. http://dx.doi.org/10.15408/sjie.v9i2.15598.

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This study aims to analyse the determinant of banks’ stability in Indonesia, which is very important to ensure that the country’s banking system could be more effective in supporting transmission of monetary policy and more resilient in facing financial crisis. To achieve the objective, this study collected a comprehensive dataset from 94 banks in Indonesia, covering both conventional and Islamic banks, during September 2015 - June 2019 period. The data is subsequently analysed by employing dynamic panel data model. The results show that the main factors that positively influenced banks’ stabi
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Dr. C. Vinotha, Nithesh Kumar S, and Dhanush Subhash. "Impact of Monetary Policy on the performance in the Banking Sector." International Research Journal on Advanced Engineering Hub (IRJAEH) 3, no. 04 (2025): 1804–9. https://doi.org/10.47392/irjaeh.2025.0261.

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The monetary policy of the Reserve Bank of India (RBI) serves as a crucial instrument for regulating the banking sector and maintaining financial stability in the economy. This study examines the impact of RBI’s monetary policy tools—including the repo rate, reverse repo rate, Cash Reserve Ratio (CRR), and Statutory Liquidity Ratio (SLR)—on the performance of the banking sector. By analyzing historical data and key financial indicators of banks, the study evaluates how changes in monetary policy influence credit availability, liquidity, profitability, and overall banking operations. The findin
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Rami, Hiral Ashok Bhai, and R. Vyas Sneha. "ANALYSING THE IMPACT OF CAPITAL STRUCTURE ON THE PROFITABILITY OF PUBLIC SECTOR BANKS IN INDIA." INTERNATIONAL EDUCATIONAL JOURNAL OF SCIENCE AND ENGINEERING - IEJSE 7, no. 7 (2024): 08–12. https://doi.org/10.5281/zenodo.15607962.

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Capital structure refers to the composition of a company's funding, primarily through debt and equity, which it uses to finance its operations and growth. In the banking industry, capital structure plays a crucial role in determining a bank's ability to absorb losses, manage risks, and comply with regulatory requirements. A well-optimized capital structure can lower the cost of capital, enhance profitability, and ensure long-term financial stability. Banks need to balance the benefits of debt, such as tax shields and lower cost compared to equity, with the potential risks of financial distress
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Fitri, Rahmadana Muhammad, and Sagala Gaffar Hafiz. "Determinants Analysis of Islamic and Conventional Banks Systemic Risk Potentiality: A Preliminary Study." Studies in Business and Economics 17, no. 1 (2022): 202–17. http://dx.doi.org/10.2478/sbe-2022-0014.

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Abstract This study aims to analyze the determinants of systemic risk in Islamic and conventional banks. The population of this research is Islamic and conventional banks, which are listed on the Indonesia Stock Exchange. Researchers used purposive sampling to ensure the suitability of the sample with the research objectives. Furthermore, we use secondary data obtained from financial databases such as Yahoo Finance and the Indonesia Stock Exchange. This study adopts the systemic risk measurement offered by Fiordelisi and Marquez-Ibanez (2013). The determinants of systemic risk were explored fr
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Khusainova, E. Y., and E. A. Zakirova. "Issues of methodological support for the assessment of capital management of commercial banks in modern economic conditions." ACCOUNTING AND CONTROL 11/3 (2023): 78–85. http://dx.doi.org/10.36871/u.i.k.2023.11.03.012.

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The article discusses the issues of methodological support for the assessment of capital management of commercial banks in modern economic conditions. The objectives of further reform of the banking system are to strengthen its stability, improve the quality of the banking sector’s performance of functions for accumulating savings of the population and enterprises and their transformation into loans and investments. These goals can be achieved through solving practical problems of increasing the capitalization of credit institutions, restoring and strengthening confidence in the Russian bankin
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Infante, Sebastian, Kyungmin Kim, Anna Orlik, André F. Silva, and Robert J. Tetlow. "Retail Central Bank Digital Currencies: Implications for Banking and Financial Stability." Finance and Economics Discussion Series, no. 2023-072 (November 2023): 1–34. http://dx.doi.org/10.17016/feds.2023.072.

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This paper reviews the literature examining how the introduction of a retail CBDC would affect the banking sector and financial stability. A CBDC has the potential to improve welfare by reducing financial frictions, countering market power in deposit markets and enhancing the payment system. However, a CBDC also entails noteworthy risks, including the possibility of bank disintermediation and associated contraction in bank credit, as well as potential adverse effects on financial stability. The recycling of the new CBDC liability through asset purchases or lending by the central bank plays an
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Fakhrunnas, Faaza. "Non-linear Effect of Islamic Banks' Liquidity Risk to Financial Stability; Evidence from the Indonesian Banking Industry." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 14, no. 1 (2023): 1–15. http://dx.doi.org/10.18326/muqtasid.v14i1.1-15.

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Liquidity risk is a pivotal aspect that determines the soundness of financial performance in the banking system. Therefore, the study aims to examine the influence of Islamic banks' liquidity risk on banking stability. Using time series data ranging from 2004m1 to 2022m8, the study adopts a non-linear autoregressive distributed lag (NARDL) approach to examine the influence of liquidity risk on financial stability in the Indonesian banking sectors. The result of the study reveals that it has a non-linear and asymmetric relationship between liquidity risk and financial stability in the banking s
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KALIM, Rukhsana, and Noman ARSHED. "Exploring Stability of Ijarah Financing Market in Full Fledged Islamic Banks." International Journal of Contemporary Economics and Administrative Sciences 13, no. 1 (2023): 001–25. https://doi.org/10.5281/zenodo.8267500.

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<strong>Abstract</strong> Ijarah contract is analogous to conventional lease contracts for customers, but in essence, it is different. Many empirical studies have worked on the issues and acceptability of Ijarah. However, the exploration of demand and supply-based determinants of Ijarah is overlooked. This study is designed to find such determinants using bank-based indicators from financial statements and macroeconomic data for countries with full-fledged Islamic banks. This study has used the panel FGLS model to estimate the demand for Ijarah and the supply of Ijarah models using determinant
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TKACHENKO, Oleksandr. "BUSINESS ARCHITECTURE OF THE BANKING SECTOR: CONTENT AND DETERMINING PARAMETERS OF FORMATION." WORLD OF FINANCE, no. 3(76) (2024): 77–87. http://dx.doi.org/10.35774/sf2023.03.077.

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Introduction. The banking sector is one of the most dynamic spheres of economic life. That is why the problem of forming an effective business architecture of the banking sector, which would ensure its financial stability and contribute to the economic development of the national economy, is important. The purpose of the article is to substantiate the content of business architecture, based on the specifics of the banking sector, and outline the fundamental factors of its formation. Results. The main markers determining the need to ensure the continuity of the banking sector are outlined. The
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Hanziuk, Svitlana, Tamara Hurzhyi, and Mykhailo Kashchenko. "PROFIT FORMATION OF BANKING INSTITUTIONS IN UKRAINE: MODERN REALITIES." ECONOMIC BULLETIN OF THE DNIPROVSK STATE TECHNICAL UNIVERSITY, no. 2(9) (December 26, 2024): 111–18. https://doi.org/10.31319/2709-2879.2024iss2(9).319079pp111-118.

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In the article examines the theoretical and practical aspects of profit formation of banking institutions in Ukraine in the pre-war period and at the present stage. Approaches to determining the bank's profit are considered and its importance for the state, the banking institution and its employees is highlighted. It was found that the effective functioning of domestic banks will contribute to the stabilization of the economy of our country as a whole, and therefore, ensuring the financial stability of banks is of national importance. The system of forming a positive financial result and its q
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Sharma, Abhishek. "Bank Performance in Nepal: The Interplay of Bank-specific and Macroeconomic Metrics." Economic Review of Nepal 7, no. 1-2 (2024): 98–114. https://doi.org/10.3126/ern.v7i1-2.72767.

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The financial performance or profitability of any entity is closely linked to both internal and external factors. This study examines the determinants of profitability in Nepalese commercial banks, focusing on a sample of five banks from 2010/11 to 2020/21. Using multiple linear regression models, the analysis found negative significant impact of and non-performing loans and liquidity on bank performance. Both ROA and ROE exhibited significant positive relationship with financial development. Although GDP had a positive impact on bank performance, the relationship is statistically insignifican
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Sakib, Md Nazmus. "Customer Service Operations Within Private Commercial Banks Located in Rangpur City of Bangladesh: Have Any Changes Occurred in 4th Generation Banks?" Asian Journal of Economics, Business and Accounting 25, no. 4 (2025): 365–82. https://doi.org/10.9734/ajeba/2025/v25i41755.

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This research examines the evolution of customer service operations in private commercial banks, specifically focusing on the 4th generation banks in Rangpur City. Launched in 2013, these banks were designed to invigorate the banking sector; however, they have encountered significant financial hurdles, leading to a critical reassessment of their service strategies. The paper analyzes the differences in customer service practices between 4th generation banks and earlier generations, determining which generation excels in performance. A total of 200 customers participated in this study, with 100
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Liu, Bo, Shuai Shao, and Yan-yang Gao. "An Empirical Study about Influence of China’s Shadow Banking on the Stability of the Financial System." International Journal of Economics and Finance 8, no. 4 (2016): 104. http://dx.doi.org/10.5539/ijef.v8n4p104.

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&lt;p class="1"&gt;&lt;span lang="EN-US"&gt;With the rapid development of the financial system in recent years, all kinds of financial derivatives teem and the size of the shadow banking is becoming more and bigger. It has become an important factor affecting the stability of China’s financial system. The influence of shadow banks on the financial system has two sides, on the one hand it is advantageous to the development and expansion of small and medium-sized enterprises as lubricant of corporate financing, on the other hand, features of shadow banking that highly leveraged and term mismatch
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Sahiti, Arbana, Skender Ahmeti, and Muhamet Aliu. "Banking Activities in Kosovo and the Importance of Credit Risk Management." International Journal of Finance & Banking Studies (2147-4486) 7, no. 3 (2019): 35–43. http://dx.doi.org/10.20525/ijfbs.v7i3.179.

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Banks between the financial services they provide play significant roles in the country's economy The importance of banks in Kosovo is one of the essential catalysts in economic growth. The banking industry based on efficiency and performance industryis the leading indicator of the country's financial stability&#x0D; The pace of economic growth and long-term stability in the country varies from the level of credit and for what economic activities the bank finances. Credit risk is the primary determinant of banking performance. The higher the risk that the higher the risk is the probability of
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Ryabushka, Liudmyla, Anastasiia Fedan, and Olena Zhuravka. "Assessing the Impact of Currency Risk on the Banking Ecosystem in Ukraine." Economic sustainability and business practices 2, no. 2 (2025): 15–24. https://doi.org/10.21272/esbp.2025.2-03.

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The article examines currency risk as a key factor affecting the stability of the banking ecosystem, especially in times of economic instability. Currency risk is defined as a potential threat due to fluctuations in exchange rates, which can lead to financial losses or changes in cash flows of banks. The article analyses the banking ecosystem as a complex system of financial and non-financial institutions that interact to provide services. The study focuses on assessing the impact of currency risk on the banking system of Ukraine and developing effective approaches to its management. For this
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