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Journal articles on the topic 'Economic capital of the bank'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Datta, Kanchan. "Relationship between Commercial Banks Credit and Per capita net state domestic product of India: A Regional Panel data analysis." International Journal of Finance Research 2, no. 2 (2021): 84–93. http://dx.doi.org/10.47747/ijfr.v2i2.324.

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In general, bank credit plays a pivotal role in economic growth. Because bank credit may stimulate the capital accumulation and rate of saving that further induce the economic growth. However there are no unanimous opinion on the relationship between bank credit and economic growth. Under these circumstances, an attempt has been taken in this paper to investigate the role of bank credit, capital outlay and government’s social sector spending on per capita net state domestic product of India . this study finds that random effect model is better than fixed effect model and expansion of bank cred

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2

Indra, Putra, Abraham Prima, and Farah Margaretha Leon. "Effect Of Bank And Macro Economic Performance On Bank Capital Supporters In Indonesia." Business and Entrepreneurial Review 19, no. 2 (2019): 137. http://dx.doi.org/10.25105/ber.v19i2.5702.

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<p><em>This study was conducted to examine the effect of bank performance and macroeconomics on capital buffer in banks listed on the Indonesia stock exchange in the 2014-2018 period. There are 26 banks that become the sample of this study after purposive sampling. The capital buffer used is the difference between the Capital Adequate Ratio and the minimum capital determined by the regulator. While the independent variables used consist of bank performance, namely Return on Equity, Bank Size, Liquidity, Non-Performing Loans, Net Profit, Loan Growth and Total Loans over Total Assets

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Sus, L., Yu Sus, M. Sapatsinsky, and S. Cherepansky. "NBU'S influence on economic growth through bank capital regulations." Scientific Horizons 93, no. 8 (2020): 47–56. http://dx.doi.org/10.33249/2663-2144-2020-93-8-47-56.

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In crisis situations, stable and efficient functioning of banking institutions is a necessary condition for country’s economic growth. Capitalization is one of the important factors that creates a positive impact of the domestic banking system on economic development. The purpose of the study is to substantiate the patterns and differences in the strength and nature of the impact of capital adequacy requirements on the financial and economic development of countries. The key tasks include: research of capitalization indicatorsof the banking system of Ukraine; identification of the impact of ba

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Oino, Isaiah. "Bank solvency: The role of credit and liquidity risks, regulatory capital and economic stability." Banks and Bank Systems 16, no. 4 (2021): 84–100. http://dx.doi.org/10.21511/bbs.16(4).2021.08.

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Banking stability is essential to any economy due to its many functions, including intermediation, payment facilitation, and credit creation. Thus, the stability of the banking industry is one of the critical ingredients in economic growth. This paper analyzes how bank capital requirements, credit, and liquidity impact bank solvency using ten major banks that control 90% of the market share in the UK in 2009–2018. The GMM model indicates a strong association between credit and liquidity risks. That is, when banks finance a risky or distressed project, this will lead to an increase in non-perfo

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SHEVCHUK, Anton. "APPROACHES TO THE CALCULATION OF ECONOMIC CAPITAL UKRAINE BANKING SYSTEM." WORLD OF FINANCE, no. 1(50) (2017): 126–36. http://dx.doi.org/10.35774/sf2017.01.126.

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Introduction. Indicated that it determines the degree of capital adequacy of financial stability of the bank, so there is the element of the resource base of the bank, which should cover the risks arising in its activities. Therefore, proposed on the one hand say that the greater range of operations conducted by the bank, the greater the volume of investments in it, the more losses it may incur and the more he should be the level of capital adequacy to ensure stability in the implementation of the relevant risks. The attention that the low level of capital adequacy of the bank leading to a dan

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Alfadli, Abduallah, and Sahraoui Djalila. "Factors Affecting Commercial Banks’ Capital Adequacy Ratios in Gulf Cooperation Council (GCC) Countries." Scholars Journal of Economics, Business and Management 9, no. 2 (2022): 37–42. http://dx.doi.org/10.36347/sjebm.2022.v09i02.002.

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This study seeks to identify factors that influence bank capital adequacy ratios for a sample of consists of 62 commercial banks listed on the stock markets operating in GCC countries over the time between 2011 and 2018 was used. To deal with the problems of the data set, we utilize the PCSE method. The empirical results suggested that among the CAMELS model variables, capital ratio, management efficiency, earning capacity, liquidity management, and sensitivity have a positive statistical significant influence on bank capital adequacy ratios. In contrast, Asset quality, market concentration, a

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Porteous, Bruce T., and Pradip Tapadar. "The Impact of Capital Structure on Economic Capital and Risk Adjusted Performance." ASTIN Bulletin 38, no. 01 (2008): 341–80. http://dx.doi.org/10.2143/ast.38.1.2030416.

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The impact that capital structure and capital asset allocation have on financial services firm economic capital and risk adjusted performance is considered. A stochastic modelling approach is used in conjunction with banking and insurance examples. It is demonstrated that gearing up Tier 1 capital with Tier 2 capital can be in the interests of bank Tier 1 capital providers, but may not always be so for insurance Tier 1 capital providers. It is also shown that, by allocating a bank or insurance firm’s Tier 1 and Tier 2 capital to higher yielding, more risky assets, risk adjusted performance can

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8

Porteous, Bruce T., and Pradip Tapadar. "The Impact of Capital Structure on Economic Capital and Risk Adjusted Performance." ASTIN Bulletin 38, no. 1 (2008): 341–80. http://dx.doi.org/10.1017/s0515036100015191.

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The impact that capital structure and capital asset allocation have on financial services firm economic capital and risk adjusted performance is considered. A stochastic modelling approach is used in conjunction with banking and insurance examples. It is demonstrated that gearing up Tier 1 capital with Tier 2 capital can be in the interests of bank Tier 1 capital providers, but may not always be so for insurance Tier 1 capital providers. It is also shown that, by allocating a bank or insurance firm’s Tier 1 and Tier 2 capital to higher yielding, more risky assets, risk adjusted performance can

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9

Obamuyi, Tomola Marshal. "Determinants of Banks’ Profitability in a Developing Economy: Evidence From Nigeria." Organizations and Markets in Emerging Economies 4, no. 2 (2013): 97–111. http://dx.doi.org/10.15388/omee.2013.4.2.14251.

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The unimpressive banks’ performance in Nigeria over the last decade has remained a source of concern for all and sundry. This study investigates the effects of bank capital, bank size, expense management, interest income and the economic condition on banks’ profitability in Nigeria. The fixed effects regression model was employed on a panel data obtained from the financial statements of 20 banks from 2006 to 2012. The results indicate that improved bank capital and interest income, as well as efficient expenses management and favourable economic condition, contribute to higher banks’ performan

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LYSENOK, O.V. "Improvement of the essence and classification of bank's equity." Market Relations Development in Ukraine №1(224)2019 110 (March 6, 2020): 25–30. https://doi.org/10.5281/zenodo.3699058.

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The article examines the nature of the bank’s equity and its classification. The study concluded that the bank’s equity is a separate entity in the banking institution’s financial system, which is formed from the own funds of the bank’s shareholders, special funds and reserves, and provides financial and economic operations for profit. In addition, the classification of types of equity capital has been improved to include «economic capital» in the classification method of «calculation method», which reflects the system of relations between a bank

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11

Kundid Novokmet, Ana, and Ana Pavić. "Bank Risk-Taking and Deposit Price in Times of Low Economic Activity." Ekonomski pregled 75, no. 6 (2024): 441–59. https://doi.org/10.32910/ep.75.6.1.

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This paper investigates the influence of bank capital regulation on their portfolio risk and depositfinancing costs, assuming that the regulatory burden of capital requirements might triggeradverse effects on bank asset riskiness, regardless of the potentially positive impact on loweringdeposit price. Data for the Croatian banking sector in the 2011-2019 time span served as an inputfor the dynamic panel analysis. The results confirm that banks with higher capital ratios donot have lower deposit financing costs, but tend to make risky investments to compensate theirshareholders for the demand f

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12

Nguyen, Liem Thanh, and Khoa Chi Pham. "INCOME STRUTURE, CAPITAL STRUCTURE, BANK COMPETITION AND ECONOMIC INSTABILITY." Science and Technology Development Journal 18, no. 2 (2015): 56–67. http://dx.doi.org/10.32508/stdj.v18i2.1118.

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The paper examines the impact of factors belonging to banking system and their interaction with real and monetary shocks on economic volatility. Using panel data on 71 economies from 1998 - 2011, we provide evidence that the lower (higher) the bank competition is, the higher (lower) the impact of inflation (terms-of-trade) volatility on GDP growth volatility is. Banks with high shareholder equity ratios enjoy lower impact of inflation volatility on economic instability. Meanwhile, the extent of bank diversification in operations has no ability in adjusting the impact of the two sock types.

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Selian, Mardiah Mutiara Puspitasari, and Lutfi Lutfi. "Determinants Of Islamic Bank Financing During Economic Turbulence." JPS (Jurnal Perbankan Syariah) 5, no. 1 (2024): 21–37. http://dx.doi.org/10.46367/jps.v5i1.1615.

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The Covid-19 outbreak has caused turbulence in Indonesia's economic growth, thereby disrupting the performance of Islamic banks, especially in the distribution of financing. This research examines the influence of economic turbulence, third-party deposits, bank size, capital and profitability on financing disbursed by Islamic banks in Indonesia. The population of this research is Islamic commercial banks in Indonesia in the 2017-2022 period. The sample selection used a purposive sampling method and obtained ten Islamic banks. The data analysis technique uses panel data analysis with a fixed ef

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Ozili, Peterson K., and Erick Rading Outa. "Bank income smoothing in South Africa: role of ownership, IFRS and economic fluctuation." International Journal of Emerging Markets 13, no. 5 (2018): 1372–94. http://dx.doi.org/10.1108/ijoem-09-2017-0342.

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Purpose The purpose of this paper is to examine the determinants of the use of loan loss provisions (LLPs) to smooth income by banks in South Africa. More specifically, the authors examine the influence of ownership, IFRS disclosure rules and economic fluctuation on the income smoothing behaviour of South African banks while controlling for the traditional determinants of bank income smoothing via LLPs. Design/methodology/approach The study employs fixed effect regression methodology to estimate the determinants of discretionary LLPs. Findings The authors find that South African banks do not u

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Jadah, Hamid Mohsin, Mohammed Faez Hasan, and Noor Hashim Mohammed Al-Husainy. "Dynamic Panel Data Analysis of Capital Structure Determinants: Evidence from Iraqi Banks." Journal of Business Strategy Finance and Management 2, no. 1-2 (2020): 102–14. http://dx.doi.org/10.12944/jbsfm.02.01-02.11.

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This study investigates if the choice of capital structure of Iraqi banks could be interpreting through factors which have been studied by prior studies, which represented by determinants of capital structure choice (i.e., bank size, bank profitability, bank growth, tangibility, bank age). Using dynamic panel GMM for the period 2005 to 2019, this study maintains the explore on the determinants of capital structure of Iraq banks "developing country" that has circumstances likely to be quite different from those in developed and other major developing countries, particularly in terms of it deter

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Mohsin Jadah, Hamid, Mohammed Faez Hasan, and Noor Hashim Mohammed Al-Husainy. "Dynamic Panel Data Analysis of Capital Structure Determinants: Evidence from Iraqi Banks." Journal of Business Strategy Finance and Management 1 and 2, no. 1 and 2 (2019): 102–14. http://dx.doi.org/10.12944/jbsfm.01.0102.08.

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This study investigates if the choice of capital structure of Iraqi banks could be interpreting through factors which have been studied by prior studies, which represented by determinants of capital structure choice (i.e., bank size, bank profitability, bank growth, tangibility, bank age). Using dynamic panel GMM for the period 2005 to 2019, this study maintains the explore on the determinants of capital structure of Iraq banks "developing country" that has circumstances likely to be quite different from those in developed and other major developing countries, particularly in terms of it deter

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17

Jadah, Hamid Mohsin, Mohammed Faez Hasan, and Noor Hashim Mohammed Al-Husainy. "Dynamic Panel Data Analysis of Capital Structure Determinants: Evidence from Iraqi Banks." Journal of Business Strategy Finance and Management 2, no. 1 (2021): 102–14. http://dx.doi.org/10.12944/jbsfm.02.01.11.

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This study investigates if the choice of capital structure of Iraqi banks could be interpreting through factors which have been studied by prior studies, which represented by determinants of capital structure choice (i.e., bank size, bank profitability, bank growth, tangibility, bank age). Using dynamic panel GMM for the period 2005 to 2019, this study maintains the explore on the determinants of capital structure of Iraq banks "developing country" that has circumstances likely to be quite different from those in developed and other major developing countries, particularly in terms of it deter

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18

Kozak, Sylwester. "Concentration of Credit Exposure as a Significant Source of Risk in Banking Activities: The Idea and Methods of Estimation." e-Finanse 11, no. 3 (2015): 103–15. http://dx.doi.org/10.1515/fiqf-2016-0122.

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Abstract The simultaneous activation of many sources of risk can slow bank operations and even lead to bankruptcy. Credit risk is the greatest threat to the orderly functioning of a bank. To protect against its materialization banks spend nearly 90% of their total capital requirement. Concentration of credit exposure to single entities, as well as to single economic sectors, can be a source of additional risks. Estimation of the additional portion of the capital requirement in selected banks in Poland in 2008-2013 indicates that banks should assign additional 4% and 2% of the capital requireme

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19

Seraphin, Prao Yao, Salimata DIABATE, and Anzara Xavier Fabrice Mea. "Economic Policy Uncertainty and Banking Stability in WAEMU Countries: The Role of Banking Specificities." International Journal of Accounting and Financial Reporting 14, no. 3 (2024): 37. http://dx.doi.org/10.5296/ijafr.v14i3.22329.

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This paper analyses the effect of economic policy uncertainty on banking stability, taking into account bank size, capital and liquidity. The study covers WAEMU countries with the exception of Guinea-Bissau, for which data were not available. The data used come mainly from GFDD (2024) and WDI (2024). Using Bruno's (2005) LSDVC estimator, the main results show that economic policy uncertainty has a negative effect on bank stability. However, when accounting for interactions between uncertainty and bank characteristics such as size, capital, and liquidity, these factors appear to mitigate this n

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20

Aribowo, Wira Ganet. "ANALISIS PENGARUH PENGANGGURAN, FOREIGN DIRECT INVESMENT (FDI) DAN MANUFAKTUR TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA (PERIODE TAHUN 2016-2021)." JAMER : Jurnal Akuntansi Merdeka 4, no. 1 (2023): 1–10. http://dx.doi.org/10.33319/jamer.v4i1.93.

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Several economic theories can explain economic growth, but what is popular to explain the relevance of the relationship between economic growth, Foreign Direct Investment, Manufacturing and Unemployment is the neoclassical theory where capital flows "downhill" from rich countries (capital abundance) to poor countries (capital scarce). So that all countries can access the same technology and produce similar goods, while the difference in per capita income reflects the difference in the rate of return on capital, new investment will be made in poor countries. On the other hand, the Heckscher-Ohl

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21

Meng, Juan. "Analysis of the Mediating Effect of Economic Policy Uncertainty Affecting Commercial Bank Credit." Financial Economics Letters 1, no. 1 (2022): 13–20. http://dx.doi.org/10.58567/fel01010002.

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We analyze the annual microdata of China's 100 commercial banks from 2007 to 2018 using the mediating effect analysis method, analyze the negative impact of economic policy uncertainty on the credit scale of commercial banks, and then verify the intermediary effects of the operational risks and short-term capital liquidity of commercial banks in the impact of economic policy uncertainty on the scale of commercial bank credit, separately. Moreover, we find that non-state-owned commercial banks, large-scale commercial banks, low-leverage commercial banks, and commercial banks with low profitabil

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22

TRAN, DUNG VIET, M. KABIR HASSAN, ANDREA PALTRINIERI, and TRUNG DUC NGUYEN. "THE DETERMINANTS OF BANK CAPITAL STRUCTURE IN THE WORLD." Singapore Economic Review 65, no. 06 (2020): 1457–89. http://dx.doi.org/10.1142/s0217590820500010.

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We examine the determinants of bank capital structure using a large sample of banks in the world. We find that banks determine their capital structure in much the same way as non-financial firms, except for growth opportunities. We also provide evidence that country-level factors, such as the legal system, bank-specific factors and economic conditions influence banks’ capital decisions through their impacts on bankruptcy costs, agency costs, information asymmetry and liquidity creation. The results show that, besides the direct effects, there are indirect impacts of country-level factors on th

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23

Nainggolan, Romauli, Dyah Wulan Sari, and Wasiaturrahma Wasiaturrahma. "Analysis of the effect of bank size, credit risk, and capital adequacy on cost efficiency of banks in Indonesia (SFA method)." Jurnal Ekonomi dan Bisnis 25, no. 2 (2022): 321–36. http://dx.doi.org/10.24914/jeb.v25i2.4825.

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Many banks are competing to achieve bank cost efficiency for business continuity amidst the competition in the banking sector. So banks need to review cost-efficiency regularly. The purpose of this study was to analyze determinants of bank cost efficiency. Variable use bank size, capital adequacy, return on asset, group of the bank, credit risk, economic growth, and inflation on bank cost efficiency in Indonesia. Determination of bank input and output variables using a bank intermediation approach. This study used panel data on 38 banks in Indonesia for the period 2012-2018. This paper used th

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Yoshino, Naoyuki, and Tomohiro Hirano. "Pro-cyclicality of the Basel Capital Requirement Ratio and Its Impact on Banks." Asian Economic Papers 10, no. 2 (2011): 22–36. http://dx.doi.org/10.1162/asep_a_00073.

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This paper proposes replacing the present Basel capital requirement with a new counter-cyclical measure. Optimally, (i) the Basel capital requirement ratio should depend on various economic factors such as the cyclical stage of GDP, credit growth, stock prices, interest rates, and land prices—hence, avoiding the expansion of bank loans during a boom period and a credit crunch during a sluggish period; (ii) the Basel minimum capital requirement rule should be different from country to country since the economic structures and the behavior of banks are different; and (iii) cross-border bank oper

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Ghosh, Saibal. "Capital structure, ownership and crisis: evidence from Middle East and North African banks." Accounting Research Journal 31, no. 2 (2018): 284–300. http://dx.doi.org/10.1108/arj-09-2015-0121.

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Purpose Although understanding the capital structure of firms has been quite commonplace in the empirical literature, there is admittedly limited evidence with regard to the determinants of capital structure for banks. In this context, using data for the period 2000-2012, this paper aims to examine the factors affecting the capital structure of Middle East and North African (MENA) banks. Design/methodology/approach The data span the period 2000-2012 and comprise of over 100 banks from 12 MENA countries. Given the longitudinal nature of the data, the panel uses panel data techniques and control

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Eston, Maria Albertina Dewanti, Putut Jatmiko, Henny Setyo Lestari, and Farah Margaretha Leon. "Factors that Influence Banking Performance in Indonesia." Journal of Social Research 3, no. 1 (2023): 108–18. http://dx.doi.org/10.55324/josr.v3i1.1660.

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This research aims to examine the influence of ESG Score, NPL, Bank Size, Bank Capital, Liquidity Risk, Bank Liquidity, revenue growth, Bank Leverage, Economic Growth, Inflation, Diversification, Labor Productivity, and ESG Score Moderating on Bank performance, which is shown with the achievement of Return on Assets. The research sample used in this research is banks listed on the Indonesia Stock Exchange for the period 2018 to 2022. Data was taken from time series data which contains data from 2018 to 2022 for the independent variable and bank performance as the dependent variable. The resear

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Korobov, Yury, Sergey Bogomolov, Larisa Ilyina, and Marina Plotnikova. "On the Relationship between Bank Lending Indicators and General Economic Indicators." SHS Web of Conferences 91 (2021): 01011. http://dx.doi.org/10.1051/shsconf/20219101011.

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One of the most important tasks of any state is to ensure stable economic growth. Banks can play an important role in performing this task, primarily by providing loans. The purpose of the study is to identify the relationship between indicators of banks’ lending activity and general indicators of economic development. Index of physical volume of GDP and index of physical volume of fixed capital investment were selected as resultant economic indicators, and growth rate of debt on bank loans (overall and by loan types), the share of loans in fixed capital investment, and the ratio of debt on ba

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Ukinamemen, Arekhandia Alfred, and Hassan O. Ozekhome. "DOES CAPITAL ADEQUACY INFLUENCE THE FINANCIAL PERFORMANCE OF LISTED BANKS IN NIGERIA?" Oradea Journal of Business and Economics 4, no. 2 (2019): 69–80. http://dx.doi.org/10.47535/1991ojbe079.

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Capital adequacy is important for the effective operation of any institution, particularly, its sustenance, viability and future growth. Banks as core financial institutions require sufficient capital base for its fund requirement and needs. Against this premise, banks and other financial institutions must keep balance between capital and available risk in its assets in order to reduce the likelihood of systemic crises, financial fragility and thus guarantee stability. This study empirically examines the impact of capital adequacy on the financial performance of banks in Nigeria. A sample of t

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Zhao, Yang, and Zichun Xu. "The Impact of Cross-Border Capital Flows on the Chinese Banking System." SAGE Open 11, no. 2 (2021): 215824402110214. http://dx.doi.org/10.1177/21582440211021410.

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With the accelerated opening of China’s capital account, China’s banking sector is exposed to the impacts of cross-border capital flows. This article explores the impact of cross-border capital flows on banks’ risk-taking in China. Employing bank-level data of 50 Chinese commercial banks from 2005 to 2018 and a sys-GMM (system generalized method of moments) estimation method, we show that cross-border capital flows are positively associated with the risk-taking of Chinese commercial banks. Moreover, banks that are larger, more capital adequate, and more profitable are more sensitive to the deg

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Umer, Shahzad, and Xiaoyin He. "EFFECT OF CAPITAL RATIOS ON LISTED BANKS STOCK RETURNS: EVIDENCE FROM PAKISTAN." Journal of Global Trade, Ethics and Law 1, no. 1 (2023): 55–85. https://doi.org/10.5281/zenodo.7805766.

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<strong>Abstract. </strong>The study examined the market-valued capital ratio (MLR) as an indicator to measure the riskiness of banks. After examining the cross-section relationship between market-value capital ratios and banks’ stock returns in the Pakistani banking sector from 2005 to 2018 by using Fama & French three-factor model. The study shows that banks in Pakistan with lower market capital ratios have had higher average stock returns of banks than those with higher market capital ratios, which means there is a negative relationship between market-value capital ratios (MLR) an

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Abusharbeh, Mohammed. "Determinants of bank capital adequacy: Empirical insights from Arab countries." Banks and Bank Systems 20, no. 1 (2025): 221–30. https://doi.org/10.21511/bbs.20(1).2025.18.

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Capital adequacy plays an important role in the banking system through absorbing potential losses and financial shocks. This study aims to examine the determinants of bank capital adequacy in Arab countries (Bahrain, Egypt, Jordan, Kuwait, Lebanon, Oman, Palestine, Qatar, Saudi Arabia, and UAE). The study uses macroeconomic factors such as economic growth and interest, while bank-specific factors include non-performing loans, profitability, and bank size. This study employed Fully Modified Ordinary Least Square (FMOLS) to examine the panel data from 2017 to 2023. The results showed that annual

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Durafe, Aniruddha, and Ankur Jha. "Bank capital buffer, bank credit and economic growth: evidence from India." Afro-Asian J. of Finance and Accounting 8, no. 3 (2018): 257. http://dx.doi.org/10.1504/aajfa.2018.093464.

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Durafe, Aniruddha, and Ankur Jha. "Bank capital buffer, bank credit and economic growth: evidence from India." Afro-Asian J. of Finance and Accounting 8, no. 3 (2018): 257. http://dx.doi.org/10.1504/aajfa.2018.10014356.

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Arhipov, E. L., Е. N. Boguslav, and K. V. Klimina. "Ensuring financial security of the region in the conditions of the economic crisis." Economy and ecology of territorial educations 6, no. 1 (2022): 21–28. http://dx.doi.org/10.23947/2413-1474-2021-6-1-21-28.

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The article analyzes one of the main problems of the modern economy – the economic security of a bank based on capital use procedures. The role of commercial and central banks in the Russian Federation is determined. Along with this, the system is considered in detail. the components of economic security in general, as well as their characteristics. Special attention is paid to the bank's security levels and their threats, as a result of which a description is given. Attention is focused on the functions of bank capital and its components. The indicators on the basis of

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Soedarmono, Wahyoe. "BANK CAPITAL INFLOWS, INSTITUTIONAL DEVELOPMENT AND RISK: EVIDENCE FROM PUBLICLY - TRADED BANKS IN ASIA." Buletin Ekonomi Moneter dan Perbankan 14, no. 2 (2012): 127–39. http://dx.doi.org/10.21098/bemp.v14i2.82.

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This paper examines the relationship between bank capital inflows and financial stability. Using a sample of publicly-traded commercial banks in Asia over the 2002-2008 period, our empirical results show that higher banking inflows measured by the share of foreign liabilities in banking reduces systematic risk, but increases bank-specific risk and total risk. A deeper investigation further suggests that an increase in total risk and bank-specific risk is driven by strong institutional development. Specifically, higher foreign liabilities in banking exacerbate bank-specific risk and total risk

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Sang Tang My and Anh Nguyen Quoc. "BANK CAPITAL AND BANK PROFITABILITY OF VIETNAM COMMERCIAL BANKS." International Journal of Business and Society 24, no. 1 (2023): 56–65. http://dx.doi.org/10.33736/ijbs.5601.2023.

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The commercial banking system plays an important role in providing capital to businesses and other organizations, so bank capital receives great attention from many different subjects in the economy. This position is even more crucial for Vietnam, a developing country because the corporate bond market is relatively small in comparison to the size of the economy. As a result, commercial bank business efficiency is a problem that requires attention since it has a direct impact on the efficiency with which capital is provided to firms, as well as the market's stability. The research study concern

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Agustina, Ellys, and Panji Jiblathar. "Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode CAMELS pada PT. Bank Pembangunan Daerah Jambi Periode 2015-2019." Mathematical Sciences and Applications Journal 4, no. 1 (2023): 21–32. http://dx.doi.org/10.22437/msa.v4i1.28304.

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The structured and integrated management of economic resources has a significant impact on a nation's economic growth. Banks, as crucial financial institutions, play a pivotal role in the stewardship of these economic resources. This article delves into an analysis of the banking health level using the CAMELS method for PT. Bank Pembangunan Daerah Jambi during the period from 2015 to 2019. The CAMELS method is employed to evaluate the bank's health across various indicators, encompassing Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. This assessment ho

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Elmahgop, Faiza Omer. "Intellectual Capital and Bank Stability in Saudi Arabia: Navigating the Dynamics in a Transforming Economy." Sustainability 16, no. 10 (2024): 4226. http://dx.doi.org/10.3390/su16104226.

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This research investigates the influence of intellectual capital on the stability of banks in the evolving context of Saudi Arabia’s banking sector. Against the backdrop of rapid economic reforms under Vision 2030 and the challenges imposed by the COVID-19 pandemic, this research incorporates specific metrics related to these contexts and provides a nuanced analysis of how intellectual capital and its components (human capital efficiency (HCE), structural capital efficiency (SCE), and capital employed efficiency (CEE)) affect the financial stability of Saudi banks. This research analyzes a dec

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Akbar, Citra. "KAJIAN HUKUM TERHADAP DEBITUR DALAM PELUNASAN KREDIT MENGENAI HAK TANGGUNGAN." Jurnal Globalisasi Hukum 1, no. 1 (2024): 38–58. http://dx.doi.org/10.25105/jgh.v1i1.19830.

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Economic life is inseparable from daily life in running a business to create prosperity, and one way to do this is through borrowing capital. However, obtaining capital is not easy; it requires a process and collateral to secure the loan. One of the avenues to obtain capital is through bank loans. Banks, as financial institutions, provide capital to facilitate access to credit. In this process, banks often require collateral. In the execution of credit facilities, debtors who have repaid business loan credits with collateral such as land certificates and building certificates at a bank are ent

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Adenan, Moh, Desi Dwi Prabaswara Puspita, and Suparman Suparman. "Analisis Kinerja Keuangan Sebelum dan Sesudah Merger Pada PT. Bank Syariah Indonesia." IJABAH 1, no. 1 (2023): 46–56. http://dx.doi.org/10.19184/ijabah.v1i1.292.

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Bank Syariah Indonesia, Bank BSI, is a merger of bank state owned state as Bank Syariah Mandiri, BSM, Bank Negara Indonesia Syariah, BNIS, and Bank Rakyat Indonesia Syariah, BRIS to empower and develop sharia economic ecosystem and national halal industry. This study aims to analyze the differences financial performance before and after merger into BSI. This research utilized descriptive comparative financial ratio as follows Capital Adequacy, CAR, Non-Performing Financing, NPF, Return on Assets, ROA, and Short Term Mismatch, STM. The results concluded that the three banks state banks before t

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Dabi, Rowland, Maya Sari, Nugraha Nugraha, Disman Disman, and Erik Alghifari. "FINANCIAL STRUCTURE AND ECONOMIC GROWTH NEXUS IN EMERGING ECONOMICS IN AFRICA." Jurnal Riset Bisnis dan Manajemen 17, no. 1 (2024): 41–52. http://dx.doi.org/10.23969/jrbm.v17i1.7877.

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The study investigates specifically the relationship between Gross Domestic Product (GDP), total stock market traded, market capitalization, private credit by deposit bank, human capital, foreign direct investment, population and trade openness (imports plus exports) and economic growth (GDP per capita). We use the extended endogenous growth model with specifications by employing dynamic panel data methodology. Our empirical application of the dynamic panel model to the finance–growth nexus is based on an unbalanced panel dataset of 29 middle-income African countries1 over the period 1990 – 20

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Krishnan, CNV, and Yu He. "Investor Perception, Market Reaction, and Post-Issue Performance in Bank Seasoned Equity Offerings." Journal of Risk and Financial Management 15, no. 7 (2022): 275. http://dx.doi.org/10.3390/jrfm15070275.

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Using a large sample of bank seasoned equity offerings (SEO) from 2002 to 2017, we first documented detailed descriptive statistics, and showed that nonperforming assets ratio, our primary measure of bank asset quality, reached the highest value immediately after the 2008 economic crisis, which also corresponds to a higher number of SEOs around these years because banks needed to recapitalize. The capital ratio, which is required to be at least at a minimum level (relative to risk-weighted assets) for banks by regulation, also increased after the economic crisis, which may be due to a higher r

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Soedarmono, Wahyoe. "BANK CAPITAL INFLOWS, INSTITUTIONAL DEVELOPMENT AND RISK: EVIDENCE FROM PUBLICLY - TRADED BANKS IN ASIA." Buletin Ekonomi Moneter dan Perbankan 14, no. 2 (2012): 135–50. http://dx.doi.org/10.21098/bemp.v14i2.460.

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This paper examines the relationship between bank capital inflows and financial stability. Using a sample of publicly-traded commercial banks in Asia over the 2002-2008 period, our empirical results show that higher banking inflows measured by the share of foreign liabilities in banking reduces systematic risk, but increases bank-specific risk and total risk. A deeper investigation further suggests that an increase in total risk and bank-specific risk is driven by strong institutional development. Specifically, higher foreign liabilities in banking exacerbate bank-specific risk and total risk

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Bhatta, Gunakar. "Theoretical Paradigm on Bank Capital Regulation and its Impact on Bank-Borrower Behavior." NRB Economic Review 27, no. 2 (2015): 19–34. http://dx.doi.org/10.3126/nrber.v27i2.52557.

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Bank equity plays an important role in the credit allocation process of financial intermediaries. Financial institutions with higher level of equity are in better position to absorb losses and repay deposits in a timely manner. This relates to the bank capital channel of monetary policy transmission mechanism stating that banks having sound financial health could contribute significantly in transmitting monetary impulses to the real sector. Considering the important role that bank equity plays in shaping the risk taking behavior of financial intermediaries, central banks set the minimum paid-u

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Maharani, Dian Putri, Fhadila Roza, Feny Gusti Wijayanti, and Ririn Nopiah. "Islamic Bank Performance and Macroeconomic Variables During Economic Turbulence." Economics, Business, Accounting & Society Review 3, no. 2 (2024): 113–26. http://dx.doi.org/10.55980/ebasr.v3i2.138.

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The study aims to analyze the effect of internal and external bank factors on the financial performance of Islamic banks during the Covid-19 pandemic. The external factors or macroeconomic factors consist of BI Rate and Inflation. The internal bank factors used are BOPO (Operating Expenses for Operating Income), CAR (Capital Adequacy Ratio), FDR (Financing to Deposit Ratio), NPF (Non-Performing Financing), and ROA (Return on Assets). A quantitative analysis is applied to assess the research construct by using a panel regression approach. The data used is sourced from Bank Indonesia and the Fin

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Abbas, Faisal, Shahid Iqbal, and Bilal Aziz. "The Role of Bank Liquidity and Bank Risk in Determining Bank Capital: Empirical Analysis of Asian Banking Industry." Review of Pacific Basin Financial Markets and Policies 23, no. 03 (2020): 2050020. http://dx.doi.org/10.1142/s0219091520500204.

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This study provides new insights about how bank liquidity and bank risk have influenced the capital ratio of commercial banks operating in Asia’s emerging economies after the financial crisis 2007–2008. The data were collected for 377 banks from the Bankscope database covering the period of eight years between 2010 and 2017. The linear regression panel-corrected standard errors approach is used to find consistent estimators. The results of the overall sample and medium-sized banks regression revealed a positive relationship between bank liquidity and bank capital ratio, whereas the liquidity a

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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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Wardana, Guntur Kusuma, and Noer Aisyah Barlian. "Determinant of Islamic Banks on the World Capital Structure." IQTISHODUNA: Jurnal Ekonomi Islam 11, no. 2 (2022): 195–206. http://dx.doi.org/10.54471/iqtishoduna.v11i2.1874.

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Economic competition is increasing nationally and even globally. This encourages leaders of the banking industry to develop strategies, achieve the vision and mission, then make policies and activity programs that support banking achievements. Generally, there are various factors that can affect the capital structure; including bank size, profitability and asset growth. The purpose of the study is to determine the influence of bank size, profitability and asset growth on the capital structure of Islamic banking in the world partially and simultaneously. Sample of this studi is 18 Islamic banks

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Pazarskis, Michail, George Drogalas, Alkiviadis Karagiorgos, and Efthalia Tabouratzi. "Greek banking sector in the economic crisis and M&As as a solution." Corporate Board role duties and composition 15, no. 2 (2019): 37–44. http://dx.doi.org/10.22495/cbv15i2art4.

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This study examines the impact of thirteen mergers and acquisitions in the Greek banking sector which took place during the period of economic crisis: 2008-2014. More specifically, the sample of this study consists of all the mergers and acquisitions that led to the four remaining Greek banks (the acquirers of the above-mentioned transactions) which are: National Bank of Greece, Piraeus Bank, Eurobank and Alpha Bank. These specific banks were chosen due to the fact that after the M&As transactions we were able to compare their financial data. This comparison was made by using eight ratios

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Islam, Md Saiful, Md Azizur Rahman, and Sayedul Anam. "Impact of Intellectual Capital and Total Risk Management on Bank Performance." International Journal of Knowledge-Based Organizations 11, no. 1 (2021): 14–28. http://dx.doi.org/10.4018/ijkbo.2021010102.

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Bank performance is treated as a pivotal indicator of total economic stability of a country. Generally, the intellectual capital measurement is the study of the impact of intellectual capital on the banks performance and gives some proposal aiming to improve the efficiency of the banking industry. The TRM encompasses all the activities that affect its risk domain. Risks are generally defined by the adverse impact on profitability of several distinct sources of uncertainty. The prime focus of this study is to find out the relationship among intellectual capital, total risk management, and the p

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