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Journal articles on the topic 'Financial liquidity risk underwriting'

Author: Grafiati

Published: 5 June 2025

Last updated: 1 August 2025

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1

Gusti, Aisyah, and Bambang Santoso Marsoem Dr. "Determinants of Financial Distress of General Insurance Companies In Indonesia with loss Ratio As a Moderator Variable." Determinants of Financial Distress of General Insurance Companies In Indonesia with loss Ratio As a Moderator Variable 9, no. 2 (2024): 9. https://doi.org/10.5281/zenodo.10653370.

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The research carried out aims to obtain analysis results related to the determinants of financial distress in the general insurance industry which is licensed and registered with the Financial Services Authority in Indonesia by using variable indicators of financial performance ratios regulated in the POJK (Financial Services Authority Regulations), namely the Underwriting Ratio , Liquidity Ratio, Investment to Technical Ratio, Risk Based Capital (RBC), Premium Growth Ratio to potential Financial Distress with Loss Ratio as a moderator variable. There for Indonesian general insurance for the p

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Falana, Olasupo Solomon, and Joshua Adewale Adejuwon. "Predictors of Profitability in the Nigerian Insurance Industry." Journal of Economics, Finance and Management Studies 05, no. 11 (2022): 3367–77. https://doi.org/10.5281/zenodo.7353556.

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This study examined the predictors of profitability in Nigeria Insurance Industry between 2011 and 2020. It looked into the effect of financial leverage, solvency margin, financial liquidity and risk underwriting on Profitability of insurance industry in Nigeria. In the study, descriptive research design was employed with the population of thirteen (N=13) composite insurers from which a sample of six (n=6) were randomly selected. Four hypotheses were tested using e-view. Findings showed that SOVEREIGN TRUST plc has the highest ROE with mean value of 0.058489 followed by LEADWAY Insurance Plc w

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3

Mulchandani, Kalyani, CS Manish Sitlani, and Ketan Mulchandani. "The Determinants of Financial Performance in Life Insurance Sector in India." Asian Journal of Empirical Research 6, no. 10 (2017): 261–69. http://dx.doi.org/10.18488/journal.1007/2016.6.10/1007.10.261.269.

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This paper attempts to examine the relationship between financial performance and their determinants in the case of Indian life insurance sector. This study is carried out using Correlation and Multiple Regression Analysis for 23 out of 24 companies for 10 years from 2009-10 to 2014-15. The financial performance is indicated by Return on Assets (ROA) and the independent variables chosen are commission, expenses, liquidity, size, solvency ratio, surplus (deficit)/policy holder’s liability, tangibility and underwriting risk. The quality of data was assessed using Autocorrelation, Heteroskedastic

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Kamel, Lazli, and Bouakkaz Naoual. "The Risk-Profitability Nexus: Evidence from Algerian Insurance Companies." SocioEconomic Challenges 8, no. 2 (2024): 287–301. http://dx.doi.org/10.61093/sec.8(2).287-301.2024.

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The purpose of this empirical study is to examine the relationship between key risk management components such as catastrophic indicators, underwriting practices, liquidity levels, and the retention index, and their impact on the financial performance of Algerian insurance companies. The research was conducted over a four-year period, from 2017 to 2021, using quarterly data from Algeria’s insurance company. The analysis was divided into two models. The first model concentrated on the effects of disasters and underwriting techniques on economic performance, while the second model examined the e

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Widiati, Putri Kurnia, and Esy Nur Aisyah. "ANALISIS RASIO LIKUIDITAS, RASIO SOLVABILITAS, DAN UNDERWRITING RATIO UNTUK MENGUKUR KINERJA KEUANGAN PT MANDIRI AXA GENERAL INSURANCE DI INDONESIA PASCA OJK (OTORITAS JASA KEUANGAN )." IQTISHODUNA 9, no. 2 (2013): 185–91. http://dx.doi.org/10.18860/iq.v9i2.3568.

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This study aimstoanalyzethe development ofthe financial performance of PT Mandiri AXAGeneralInsurance in Indonesia after the establishment of the FSA (Financial Services Authority) in 2013 by using theanalysis of liquidity ratios, solvency ratios using solvabillitas rate calculation and risk-based minimum capital,and undderwiting ratio. Based on the results it can be concluded that penellitian seen from the calculation ofthe solvency ratiousing solvabillitas level of risk-based andminimum capital ratio under wrting result andshowed unfavorable results, while the liquidity ratio has increase de

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NGATIMIN, NGATIMIN. "ANALISA KINERJA KEUANGAN PERUSAHAAN ASURANSI YANG TERDAFTAR DI BURSA EFEK INDONESIA, MALAYSIA DAN THAILAND MENGGUNAKAN ANALISIS RASIO DAN RISK BASED CAPITAL." KEBERLANJUTAN 3, no. 2 (2018): 869. http://dx.doi.org/10.32493/keberlanjutan.v3i2.y2018.p869-883.

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AbstractTo measure financial performance analysis using ratio analysis in accordance with PSAK 28 which consists of Underwriting Ratio, Loss Ratio, Commission Expense Ratio, Liability to Liquid Asset Ratio, Investment to Technical Reserve Ratio, Net Premium Growth, Own Retention Ratio. Parameter used in Indonesia is Risk Based Capital (RBC) in accordance with Decree of Minister of Finance No. 424 / KMK.06 / 2003. The results of the ratio analysis based on the report of annual report are Underwriting Ratio of Indonesia 24.09%, Malaysia 13.70% and Thailand 12.22%, Loss Ratio Indonesia 44.44%, Ma

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Nuhin, Muhammad Al Fansa, and Noven Suprayogi. "Pengaruh Kinerja Manajemen, Efisiensi, Kinerja Underwriting dan Likuiditas terhadap Profitabilitas Perusahaan Asuransi Syariah di Indonesia Periode 2015-2019." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 5 (2022): 628–42. http://dx.doi.org/10.20473/vol9iss20225pp628-642.

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ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh kinerja manajemen, efisiensi, kinerja underwriting dan likuiditas terhadap profitabilitas perusahaan asuransi syariah di Indonesia periode 2015-2019 secara parsial dan simultan. Penelitian ini menggunakan metode kuantitatif dengan teknik analisis regresi data panel dan mengambil 24 sampel perusahaan asuransi jiwa maupun umum syariah di Indonesia, sumber data diambil dari laporan keuangan masing-masing perusahaan asuransi syariah dan laporan statistik keuangan OJK. secara parsial kinerja manajemen dan kinerja underwriting berpengaruh po

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8

Anjani, Ega. "Modifikasi Syariah Pada Kerangka Risiko Return." Aksioma Al-Musaqoh 7, no. 1 (2024): 39–48. https://doi.org/10.55171/jam.v7i1.1090.

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Sharia modifications in the risk and return framework are used to manage risk and achieve the desired level of return. This method involves using financial instruments that comply with Sharia principles and a thorough risk analysis to discover and manage the associated risks. Sharia insurance companies use Sharia modifications to manage their investment portfolios. In other words, they avoid financial instruments that are considered haram, such as riba (interest), maysir (gambling), and gharar (excessive uncertainty). Instead, they invest policyholder premium funds in financial instruments tha

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Alfiani Andari and Sunarsih. "Factors that Influence The Profits of Sharia Life Insurance Companies Registered with The Financial Services Authority for The 2018-2022 Period." International Journal of Islamic Finance 2, no. 1 (2024): 48–80. https://doi.org/10.14421/ijif.v2i1.2245.

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Background: The Islamic finance industry in Indonesia, especially the Islamic insurance industry, is experiencing rapid growth. In accordance with the development of Indonesia's sharia finance reported in 2022, the total sharia insurance assets in 2022 were recorded at 45,025 trillion, of which the largest total assets were sourced from sharia life insurance worth 34,891 trillion. Thus, it can be said that sharia general insurance and reinsurance companies. However, the net profit of sharia life insurance has actually decreased in several years. Objectives: This research aims to examine the ef

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Meoli, Michele, Andrea Signori, and Silvio Vismara. "Are IPO underwriters paid for the services they provide?" International Journal of Managerial Finance 11, no. 4 (2015): 414–37. http://dx.doi.org/10.1108/ijmf-05-2014-0073.

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Purpose – The purpose of this paper is to relate the fees paid to IPO underwriters to the nature and quality of the services they provide. Design/methodology/approach – Controlling for the characteristics of the firm going public, the risk associated with the offering, and the reputation of the underwriter, the authors study on a sample of Italian IPOs whether a formal commitment by underwriters to provide ancillary services allows them to charge higher fees. Findings – The authors document that asking underwriters to stabilize stock price is costly to the issuer, while to support liquidity is

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11

Richter, Andreas, and Thomas C. Wilson. "Covid-19: implications for insurer risk management and the insurability of pandemic risk." Geneva Risk and Insurance Review 45, no. 2 (2020): 171–99. http://dx.doi.org/10.1057/s10713-020-00054-z.

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Abstract This paper analyzes the insurability of pandemic risk and outlines how underwriting policies and scenario analysis are used to build resilience upfront and plan contingency actions for crisis scenarios. It then summarizes the unique “lessons learned” from the Covid-19 crisis by baselining actual developments against a reasonable, pre-Covid-19 pandemic scenario based on the 2002 SARS epidemic and 1918 Spanish influenza pandemic. Actual developments support the pre-Covid-19 hypothesis that financial market developments dominate claims losses due to the demographics of pandemics and othe

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Kang’ombi, Kamuka, and Dr Charles Muwe Mungule. "Assessing Factors Affecting Financial Performance of Insurance Companies in Zambia." International Journal of Research and Innovation in Social Science VII, no. V (2023): 153–66. http://dx.doi.org/10.47772/ijriss.2023.70515.

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The aim of the research was to assess the factors that affect the financial performance of insurance companies in Zambia and to what extent these factors affect performance. The research employed a mixed method approach in form of descriptive and a sample of 150 respondents drawn from 10 insurance companies (5 Life and 5 Non-life) and from various levels of management and departments using the stratified random sampling technique to guarantee representation. Data was collected through administering survey questionnaires and the results were analysed using the regression technique under the Sta

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Azmi, Faisal, Tony Irawan, and Hendro Sasongko. "DETERMINANTS OF PROFITABILITY OF GENERAL INSURANCE COMPANIES IN INDONESIA." JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) 6, no. 2 (2020): 135–44. http://dx.doi.org/10.34203/jimfe.v6i2.2263.

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This paper investigates the determinants of profitability of General Insurance in Indonesia, focusing on firm-specific factors and macroeconomics factors. General Insurance in Indonesia play important role in the economy by providing protection of risk of loss either to organizations and individuals. Based on this background, the aim of this paper is to study and improve the profitability of general insurance through a random effect analysis of 40 general insurance companies since 2013 until 2017. The data obtained is time series data and cross section data so that the data analysis in this st

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Azizi, M. Riza, Slamet Hariono, and Wahid Dalail. "Conventional vs. Sharia Insurance: An Empirical Study on Financial Performance and Risk Management." Share: Jurnal Ekonomi dan Keuangan Islam 14, no. 1 (2025): 24–48. https://doi.org/10.22373/share.v14i1.24484.

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The Indonesian insurance industry, both conventional and Sharia insurance companies, has experienced significant growth in recent years. However, differences in operational frameworks, regulatory requirements, and investment restrictions raise questions about the financial stability and efficiency of these two insurance models. This study aims to compare the financial performance of conventional and Sharia insurance companies in Indonesia from 2022 to 2024 using the Early Warning System (EWS) and Risk-Based Capital (RBC) methods. Employing a comparative research design, this study utilizes sec

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15

Kloppenburg, Wolfgang, and Petr Wawrosz. "Are there commonalities and differences between Basel III and Solvency II regulations." International Journal of Public Administration, Management and Economic Development 8, no. 1 (2023): 65–73. http://dx.doi.org/10.60026/ijpamed.v8i1.86.

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In the wake of two financial crises, the regulatory framework for the financial services industry has undergone significant change. The regulatory system for banks was revised in response to the financial crisis and, following adjustments based on Basel I/II, has been in force since 2013 with the Basel III version, although some regulatory points did not have to be implemented until later. For the insurance industry, the Solvency II regulatory framework came into force in the EU in 2016. The aim of the paper is to present a comparison between the regulatory frameworks and the specifications fo

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Evrilyan, Herlin, and Dina Fitrisia Septiarini. "DETERMINAN TINGKAT SOLVABILITAS PADA PERUSAHAAN ASURANSI JIWA SYARIAH PERIODE 2014-2018." Jurnal Ekonomi Syariah Teori dan Terapan 7, no. 7 (2020): 1303. http://dx.doi.org/10.20473/vol7iss20207pp1303-1320.

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The purpose of this study is to analyze the factors that influence the solvency of the performance of Islamic life insurance companies in the 2014-2018 period. This research uses a quantitative approach with panel data regression analysis method. The data used in this study are secondary data, using a purposive sampling method. The data used by researchers is the financial statements of Islamic life insurance companies in the 2014-2018 period. The population in this journal is the Islamic life insurance industry of 24 companies, while the sample in this journal is 10 samples of Islamic life in

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Zainudin, Rozaimah, Nurul Shahnaz Ahmad Mahdzan, and Ee Shan Leong. "Firm-specific internal determinants of profitability performance: an exploratory study of selected life insurance firms in Asia." Journal of Asia Business Studies 12, no. 4 (2018): 533–50. http://dx.doi.org/10.1108/jabs-09-2016-0129.

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Purpose This study is an exploratory study investigating firm-specific internal factors that influence the profitability performance of selected life insurance firms in eight Asian countries (China, Hong Kong, Taiwan, Singapore, Japan, South Korea, Thailand and Malaysia) from 2008-2014. This paper aims to focus on internal rather than external factors based on the resource-based view suggesting that the internal resources of a firm are key to gaining competitive advantage. Design/methodology/approach The authors used panel data estimation model to test our six hypotheses on these eight selecte

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Оганов, Ю. А., та Д. А. Динец. "ВЛИЯНИЕ РЫНОЧНОЙ ВОЛАТИЛЬНОСТИ ЦЕННЫХ БУМАГ НА ФИНАНСОВУЮ УСТОЙЧИВОСТЬ БАНКОВСКОГО СЕКТОРА". Прогрессивная экономика, № 5 (31 травня 2025): 190–98. https://doi.org/10.54861/27131211_2025_5_190.

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В условиях нестабильности фондового рынка особое значение приобретает анализ влияния рыночной волатильности на финансовую устойчивость банковского сектора. Колебания стоимости ценных бумаг затрагивают ключевые параметры деятельности коммерческих банков - от структуры активов и объёма резервов до способности выполнять нормативы ликвидности и достаточности капитала. В настоящей статье рассматриваются механизмы влияния волатильности на поведение банков, приводится эмпирический анализ показателей трёх крупнейших российских кредитных организаций (ПАО «Сбербанк», ПАО «ВТБ», ПАО «Альфа-Банк») за 2021

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Zahra, Aulia Dika, Ahmad Baehaqi, and Prayogo P. Harto. "Financial Performance Of Islamic Insurance Companies Before And During The Covid-19 Pandemic." JAS (Jurnal Akuntansi Syariah) 7, no. 2 (2023): 153–67. http://dx.doi.org/10.46367/jas.v7i2.1246.

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This research aims to analyze the comparative financial performance of Islamic insurance companies before and during the Covid-19 pandemic. The financial performance measured refers to the early warning system ratios, which consist of the underwriting, liquidity, own retention, premium stability, and loss ratios. This research is a descriptive quantitative research using the Wilcoxon test. The research population is all Islamic insurance companies registered with the Financial Services Authority (FSA) for 2018-2021. The sample was selected based on purposive sampling so that 48 observation dat

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Kamau, Alex Maina. "Underwriting risk, firm size and financial performance of insurance firms in Kenya." Eastern Journal of Economics and Finance 8, no. 1 (2023): 1–14. http://dx.doi.org/10.55284/eastjecofin.v8i1.874.

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The purpose of this study was to investigate moderating effect of firm size on the relationship between underwriting risk and the financial performance of insurance firms in Kenya anchored on agency theory. Panel data was collected from 54 insurers that operated in Kenya for the ten years (2010-2018). The unbalanced panel data was analyzed using Random and Fixed effect model where Hausman test select model for testing the hypotheses. The study found that underwriting risk had a significant negative effect on financial performance. firm size negatively moderated the relationship between; underw

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Hidayati, Nur Indah, and Ahmad Baehaqi. "Faktor Penentu Kinerja Investasi Asuransi Jiwa Syariah di Indonesia." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 9, no. 2 (2018): 93. http://dx.doi.org/10.18326/muqtasid.v9i2.93-108.

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Abstract This research aims to find out the influence of company size, liquidity, leverage, volume of capital (VOC), underwriting risk and premium growth towards Investment Yield of sharia life insurance company in Indonesia from 2011 to 2015. Technique of analyzing the data used in this study is panel data regression with level of significance 5%. The result showed that the most appropriate model for this study is Fixed Effect Model (FEM). Simultaneously, all variables have significant influence towards Investment Yield. The result of partial test of Investment Yield showed that company size

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Stephanie, Felicia Grace, and Herman Ruslim. "PENGARUH RASIO KEUANGAN TERHADAP KINERJA KEUANGAN PERUSAHAAN ASURANSI." Jurnal Kontemporer Akuntansi 1, no. 2 (2021): 68. http://dx.doi.org/10.24912/jka.v1i2.15090.

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Tujuan dari penelitian ini adalah untuk membuktikan dan mengkaji secara empiris pengaruh rasio keuangan riskbased capital, liquidity, premium growth, underwriting risk, own retention ratio, dan firm size terhadap kinerja keuangan perusahaan asuransi. Sampel yang digunakan dalam penelitian ini adalah 36 perusahaan asuransi umum dan jiwa yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2014-2019. Penelitian ini melakukan pengujian hipotesis dengan menggunakan analisis regresi robust dan program Eviews 9. Analisis regresi robust digunakan karena data dalam penelitian ini merupakan gabungan

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Prof. S.M.Aza, Dr. M.M. Naburgi, ONUORAH, and Chukwudalu Hubert. "DETERMINANTS OF MARKET VALUE OF LISTED INSURANCE FIRMS IN NIGERIA." International Journal of Education, Business and Economics Research 05, no. 03 (2025): 510–30. https://doi.org/10.59822/ijeber.2025.5328.

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Nigeria with an estimated population of over 200 million people has enormous potentials to have the highest insurance penetration and density among its African contemporaries. However, the Nigerian insurance sector is still at infant stage and far behind its African peers judging by key indicators. It is on this backdrop; this study examines the determinants of market value of listed insurance firms in Nigeria. The specific objectives were to identify the effect of underwriting risk, liquidity, and firm size on price to book value ratio of listed insurance firms in Nigeria. The study employed

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Tammana, Praveen Kumar. "The Complexity of Insurance Underwriting Results Through Artificial Intelligence Navigation." Journal of Research in Science and Engineering 7, no. 2 (2025): 39–46. https://doi.org/10.53469/jrse.2025.07(02).08.

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Insurance underwriting is the backbone of the insurance industry. It's the method through which insurers assess risk and determine the viability of insurance policies. The results of underwriting dictate the financial health and success of insurance companies. In this article, we will explore into the intricacies of underwriting results and how they shape the landscape of the insurance business. Understanding Underwriting Results: Underwriting results are calculated by subtracting incurred losses and underwriting expenses from the earned premium. In essence, it's the profit generated from unde

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Yadav, Sandeep. "Balancing Profitability and Risk: The Role of Risk Appetite in Mitigating Credit Risk Impact." International Scientific Journal of Engineering and Management 03, no. 12 (2024): 1–7. https://doi.org/10.55041/isjem01087.

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Balancing profitability and risk is a central challenge for financial institutions, especially in the context of managing credit risk. This paper explores the concept of risk appetite as a strategic framework for aligning an institution’s risk-taking activities with its financial objectives. By defining risk appetite in measurable terms, institutions can calibrate their credit risk strategies to ensure optimal decision-making that mitigates potential losses while maintaining profitability. The study examines how risk appetite influences credit decision-making processes, including credit underw

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Chen, Yijia, Kunpeng Hu, and Nan Li. "Strategic Models for Enhancing Insurance Resilience in the Face of Climate-Induced Natural Disasters." Highlights in Business, Economics and Management 36 (July 17, 2024): 109–16. http://dx.doi.org/10.54097/ps4eb067.

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As global climate change increases the frequency and intensity of natural disasters, the insurance industry faces significant challenges in risk management and policy affordability. This research develops three models to fortify the resilience of the insurance sector against the intensifying threats posed by climate-induced natural disasters. The Disaster-Affected Model quantifies the immediate impacts of diverse weather extremes, enabling precise risk assessments. The Insurance Bankruptcy Factor Model forecasts the financial sustainability of insurers, factoring in the frequency and severity

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Chen, Guan-Chih. "A Study of the Financial/Business Performance and Market Share of Non-Life Insurance Industry in Taiwan." SIJ Transactions on Industrial, Financial & Business Management 4, no. 8 (2016): 98–105. http://dx.doi.org/10.9756/sijifbm/v4i8/ifbm04070190101.

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This research explores the effect of financial and business performance to market share of non life insurance companies in Taiwan from 2005 to 2011. First, apply factor analysis to extract seventeen financial ratios into four factors which are defined as “risk assumption ability,” “investment performance,” “underwriting quality,” and “business ability.” The factor scores are calculated for the comparison of financial and business performance between domestic and foreign companies, under different systems, before and after financial crisis by One-Way ANOVA. The results find out the risk assumpt

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Octa Rantika Purnomo and Novie Astuti Setianingsih. "ANALISIS EARLY WARNING SYSTEM DAN RISK BASED CAPITAL UNTUK MENILAI KINERJA SERTA KESEHATAN KEUANGAN PADA PT ASURANSI JIWA SYARIAH AL AMIN TAHUN 2019-2021." Jurnal Akuntansi dan Ekonomi Bisnis 12, no. 1 (2023): 30–41. http://dx.doi.org/10.33795/jaeb.v12i1.4941.

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Tujuan penelitian ini adalah untuk menganalisis, menyimpulkan dan memberikan solusi mengenai kinerja serta kesehatan keuangan PT Asuransi Jiwa Syariah Al Amin menggunakan rasio Early Warning System dan Risk Based Capital tahun 2019-2021. Jenis penelitian yang digunakan adalah kuantitatif. Teknik pengumpulan data dalam penelitian ini adalah dokumentasi untuk memperoleh laporan keuangan PT Asuransi Jiwa Syariah Al Amin tahun 2019-2021. Rumus Early Warning System, Risk Based Capital dan kriteria penilaian digunakan untuk mengetahui kinerja dan kesehatan keuangan perusahaan asuransi. Early Warning

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Maier, Marc, Hayley Carlotto, Freddie Sanchez, Sherriff Balogun, and Sears Merritt. "Transforming Underwriting in the Life Insurance Industry." Proceedings of the AAAI Conference on Artificial Intelligence 33 (July 17, 2019): 9373–80. http://dx.doi.org/10.1609/aaai.v33i01.33019373.

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Life insurance provides trillions of dollars of financial security for hundreds of millions of individuals and families worldwide. Life insurance companies must accurately assess individual-level mortality risk to simultaneously maintain financial strength and price their products competitively. The traditional underwriting process used to assess this risk is based on manually examining an applicant’s health, behavioral, and financial profile. The existence of large historical data sets provides an unprecedented opportunity for artificial intelligence and machine learning to transform underwri

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Gongol, Tomáš, and Pavla Vodová. "Liquidity Risk Regulation." Financial Assets and Investing 5, no. 1 (2014): 7–21. http://dx.doi.org/10.5817/fai2014-1-1.

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One of the key characteristics of the global financial crisis was the inaccurate and ineffective liquidity risk management. As usual after the crisis, some thoughts about the need for more appropriate liquidity risk regulation emerged. The aim of this paper is therefore to characterize the development of liquidity risk regulation. First part of the paper characterizes reasons for liquidity risk regulation. The second section describes the liquidity risk regulation before the financial crisis. Then we focus on the current level of legislation in the Visegrad Countries and also on prepared chang

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Angima, Caren B., Mirie Mwangi, Erasmus Kaijage, and Martin Ogutu. "Actuarial Risk Management Practices, Underwriting Risk and Performance of P & C Insurance Firms in East Africa." European Scientific Journal, ESJ 13, no. 22 (2017): 207. http://dx.doi.org/10.19044/esj.2017.v13n22p207.

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The purpose of the study was to establish the intervening effect of underwriting risk (loss ratio) on the relationship between actuarial risk management practices (ARMP) and performance of property and casualty (P & C) insurance underwriters in East Africa. Findings from primary and secondary data gathered from 82 general insurers from Kenya, Uganda and Tanzania show that there is a significant positive relationship between ARMP and non-financial performance and that loss ratio significantly mediates this relationship. The relationship with financial performance was however insignificant.

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Gupta, Manu, and Puneet Prakash. "Impact of underwriting insurance risk on bank holding company behavior." Journal of Risk Finance 19, no. 4 (2018): 343–60. http://dx.doi.org/10.1108/jrf-11-2017-0191.

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Purpose This paper aims to study differences in risk behavior between holding companies that undertake both banking activity and insurance underwriting (labeled financial holding companies or FHCs) and stand-alone bank holding companies (BHCs). Design/methodology/approach The paper examines the discretionary accruals of FHCs to comparable BHCs and compares their bad loans-to-assets ratio in the future. Findings FHCs have lower discretionary accruals (loan loss provisions and realized capital gains) than BHCs. FHCs fare better than BHCs in terms of bad loans-to-assets ratio. Insurance underwrit

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Lalon, Raad Mozib, and Joy Das. "Investigating the dynamic impact of firm-specific and macroeconomic drivers on profitability of general insurance companies in Bangladesh." International Journal of Research in Business and Social Science (2147- 4478) 11, no. 5 (2022): 304–13. http://dx.doi.org/10.20525/ijrbs.v11i5.1869.

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This paper aims to investigate the relationship between profitability measured with ROE along with EPS and several industry-specific factors such as underwriting risk, reinsurance dependence, solvency margin, leverage, liquidity risk, premium growth, size of the company, tangibility of assets as well as macroeconomic factors such as GDP growth, inflation, and stock market development of the general insurance companies of Bangladesh based on the sample of 7 insurance companies for the period of 2010-2019. For the analyses, several econometric models have been adopted to estimate the coefficient

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Adewuyi, Ademola, Chigozie Regina Nwangele, Tolulope Joyce Oladuji, and Abiola Oyeronke Akintobi. "Advances in Machine Learning for Credit Risk and Underwriting Automation: Emerging Trends in Financial Services." International Journal of Advanced Multidisciplinary Research and Studies 3, no. 6 (2023): 1860–77. https://doi.org/10.62225/2583049x.2023.3.6.4405.

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Recent advances in machine learning (ML) have significantly transformed the landscape of credit risk assessment and underwriting automation within the financial services industry. Traditional risk evaluation models, which often rely on rigid statistical assumptions and limited data sources, are increasingly being replaced or augmented by intelligent algorithms capable of learning from complex, high-dimensional, and dynamic datasets. This shift has enabled more accurate, real-time predictions of creditworthiness and borrower behavior, enhancing both operational efficiency and decision-making ac

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Hong, Duc Bao. "FINANCIAL ASPECTS AND FINANCIAL RISK DISCLOSURE: EVIDENCE FROM VIETNAM." ECONOMICS, FINANCE AND MANAGEMENT REVIEW, no. 3 (September 30, 2023): 39–48. http://dx.doi.org/10.36690/2674-5208-2023-3-39-48.

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This study delves into the dynamic relationship between profitability, liquidity, and financial risk disclosure within the context of the Vietnamese business landscape. Employing a comprehensive dataset spanning the period from 2011 to 2020, encompassing 350 publicly listed companies, we scrutinize the intricate interplay of these critical financial factors. Our investigation reveals significant insights into the influence of profitability and liquidity on the extent of financial risk disclosure by Vietnamese listed firms. Through rigorous statistical analysis and econometric modeling, we esta

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Ho, Chia-Ling, Gene Lai, and Jin-Ping Lee. "Corporate governance, audit quality and risk taking in the U.S. property casualty insurance industry." Corporate Ownership and Control 7, no. 1 (2009): 84–95. http://dx.doi.org/10.22495/cocv7i1p8.

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This paper examines the impact of corporate governance and audit quality on risk-taking in the U.S. property casualty insurance industry. The evidence shows that some corporate governance variables, as well as some audit quality variables are related to risk-taking. We find that longer board tenure is associated with low underwriting risk. But the higher percentage of financial experts on the board is associated with high underwriting risk. The possible reason is that financial experts possess a deep understanding of a firm’s financial situation and may encourage the management to take higher

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Agboola, Muslimat Opeyemi, Popoola Abiodun, and Adabenege Yahaya Onipe. "Firm Specific Attributes and Financial Performance of Quoted Insurance Companies in Nigeria." Gusau Journal of Accounting and Finance 1, no. 2 (2022): 16–26. https://doi.org/10.5281/zenodo.6814396.

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The financial performance of Nigerian insurance firms has been seen as weak and poor. Owing to the weakness of the insurance sector, the study therefore examined the effect of insurance specific attributes on financial performance of listed insurance firms in Nigeria. The study covered a period of eleven years from 2008 to 2018. The research used correlation research design and secondary data obtained from the annual reports and accounts of firms from 2008- 2018. The population of the study is all the 27 insurance firms listed on the Nigerian Stock Exchange as at 31st December 2018, eighteen (

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Erminah Dwi Ambarwati and Helmy Wahyu Sukiswo. "Analysis Of Financial Ratio That Affects Financial Distress Risk." International Journal of Economics and Management Research 3, no. 3 (2025): 242–53. https://doi.org/10.55606/ijemr.v3i3.424.

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The purpose of this study is to investigate further the relationship between financial crisis and profitability, leverage, and liquidity. This article uses literature review technique as its methodology. The researcher takes secondary data sources, namely ten papers taken from Google Scholar. Financial distress can be affected in good and bad ways by liquidity, profitability, and leverage, according to the conclusion of the study. If a company has negative liquidity, it means it cannot pay its bills with its assets; if it has negative profitability, it means it cannot generate money from its o

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A. Sowjanya and S. Sampath Kumar. "A Study on Financial Risk Management Practices of Micro Finance Institutions." South Asian Journal of Engineering and Technology 14, no. 3 (2024): 10–20. http://dx.doi.org/10.26524/sajet.2024.14.5.

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The study is set to explore the liquidity risk management practices by MFIs in Kenya. Emphasis was on the following; understanding the process of liquidity risk identification by MFIs, the extent to which MFIs are classified, monitor liquidity risks, liquidity risk exposure of MFIs and to identify the various practices that the MFIs adopt in managing the liquidity risks. The objective of the study was to examine the effects of credit risk management practices on financial performance of Microfinance Institutions. This article will explore credit, liquidity, operational, and strategic risk to b

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Shiu, Y. "Determinants of United Kingdom General Insurance Company Performance." British Actuarial Journal 10, no. 5 (2004): 1079–110. http://dx.doi.org/10.1017/s1357321700002968.

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ABSTRACTDynamic financial analysis has become one of the important tools that actuaries use to model the underwriting and investment operations of insurance companies. The first step in carrying out the analysis is to investigate the most important factors affecting company performance. This paper identifies the determinants of the performance of United Kingdom general insurance companies using a panel data set consisting of economic data and Financial Services Authority/Department of Trade and Industry returns over the period 1986 to 1999. Three performance measures are used to capture differ

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Hasmiana, Madris, and Pintor Shine. "The Effect of Financial Risk, Capital Structure, Banking Liquidity on Profitability: Operational Efficiency as Intervening Variables in Persero Bank and Private Commercial Banks." International Journal of Arts and Social Science 5, no. 1 (2023): 226–34. https://doi.org/10.5281/zenodo.7748030.

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This study aims to (1) to partially analyze the effect of financial risk, capital structure, and liquidity on operational efficiency (2) to partially analyze the effect of financial risk, capital structure, liquidity, and operational efficiency on (3) to analyze partially the effect of financial risk, capital structure, and liquidity on profitability through operational efficiency at State-Owned Banks and Private Commercial Banks. The data collection technique used purposive sampling. The type of data used is quantitative data and secondary data sources which are downloaded through the website

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Amar, Siti Salama, and Bambang Tj Ahjadi. "Role of credit risk, market risk, liquidity risk, and operational risk on banking financial performance with good corporate governance as a moderating variable." International Journal of Innovative Research and Scientific Studies 8, no. 3 (2025): 5001–15. https://doi.org/10.53894/ijirss.v8i3.7700.

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The purpose of this study was to determine the effect of credit risk, market risk, liquidity risk, and operational risk on banking financial performance. Good corporate governance moderates the relationship between these variables and banking financial performance. The population in this study consisted of banking companies listed on the Indonesia Stock Exchange from 2020 to 2024. The technique for sampling was purposive sampling, and based on the criteria that have been used, the number of samples obtained was 20 banking companies. Research hypothesis testing utilized Multiple Linear Regressi

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Li, Xinting, Baochen Yang, Yunpeng Su, and Yunbi An. "Pricing Corporate Bonds with Credit Risk, Liquidity Risk, and Their Correlation." Discrete Dynamics in Nature and Society 2021 (March 2, 2021): 1–14. http://dx.doi.org/10.1155/2021/6681035.

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This paper proposes a generalized bond pricing model, accounting for all the effects of credit risk, liquidity risk, and their correlation. We use an informed trading model to specify the bond liquidity payoff and analyze the sources of liquidity risk. We show that liquidity risk arises from reduced information accuracy and market risk tolerance, and it is market risk tolerance that links credit and liquidity. Then, we extend the traditional bond pricing model with only credit risk by incorporating liquidity risk into the framework in which the probabilities of the two risk events are estimate

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Ni Luh De Erik Trisnawati. "Kinerja Keuangan dan Risiko BUMDes (Studi Kasus Pada BUMDes Suka Pura)." ARTHA SATYA DHARMA 14, no. 1 (2021): 58–64. http://dx.doi.org/10.55822/asd.v14i1.68.

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The purpose of this study was to find empirical evidence regarding the relationship between risk and financial performance at BUMDes Suka Pura. Effective risk management will keep liquidity safe and minimize losses so that financial performance improves. The risks tested are liquidity risk and credit risk, which are measured through ratio analysis to the 2018 to 2020 financial statements. The Data Analysis technique used is Multiple Regression with the help of SPSS. The results of this study found that liquidity risk has a significant positive effect on financial performance. Credit risk has a

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Müseyib qızı Babazadə, Sehrayi. "Liquidity risk and liquidity regulation management processes." SCIENTIFIC WORK 76, no. 3 (2022): 101–6. http://dx.doi.org/10.36719/2663-4619/76/101-106.

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İstənilən bankın idarə olunmasının ən mühüm vəzifələrindən biri müvafiq likvidlik səviyyəsini təmin etməkdir. Bank münasib qiymətə cəlb oluna bilən vəsaitlərə və məhz onlara ehtiyac olduğu anda çıxış imkanına malik olduğu halda likvid hesab olunur. Bu o deməkdir ki, bank ya lazımi miqdarda likvid vəsaitə malikdir, ya da onları kreditlər və ya aktivlərin satışı ilə tez əldə edə bilər. Rusiyada başlayan maliyyə böhranı bankın likvidliyinin tənzimlənməsinə xüsusi aktuallıq verdi. Dinamik artım nümayiş etdirmiş bir çox Rusiya bankları yüksək dəyişkən maliyyə şəraitində likvidlik problemini həll ed

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Inekwe, John Nkwoma, Yi Jin, and Maria Rebecca Valenzuela. "Global financial network and liquidity risk." Australian Journal of Management 43, no. 4 (2018): 593–613. http://dx.doi.org/10.1177/0312896218766219.

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This article investigates the impact of global financial integration on liquidity risk. Using the network approach and bank-level data for 95 countries, we find weak asymmetry in the relationship between net stable funding and financial connectedness. Our results suggest that the degree of connectedness between banks is inversely related to funding stability. We also find that banks that are strongly connected to important lenders take on more risks relative to those that have independent access to finance in the financial network. Our results are consistent and invariant when either internal

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El Mahdy, Asmaa Hamdy Abdelaziz Mohamed. "Liquidity Risk and Bank Financial Performance." التجارة والتمويل 43, no. 2 (2023): 41–80. http://dx.doi.org/10.21608/caf.2023.303697.

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Hlebik, Sviatlana, and Lara Ghillani. "Management Strategies for Bank’s Liquidity Risk." International Journal of Economics and Finance 9, no. 6 (2017): 98. http://dx.doi.org/10.5539/ijef.v9n6p98.

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Liquidity risk management is today a major focus for regulators, due to increasing complexity of financial markets and concerns related to inadequate identification and managing liquidity risk, exacerbated by the financial crisis. Because the financial market is increasingly interconnected, a liquidity shortfall at a single institution can have system-wide consequences.This paper aims to provide analytical explanations of how important decisions made by bank managers can influence the capability of an institution to finance increases in assets and meet their commitments without impairing cash

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Galletta and Mazzù. "Liquidity Risk Drivers and Bank Business Models." Risks 7, no. 3 (2019): 89. http://dx.doi.org/10.3390/risks7030089.

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This paper examines the bank liquidity risk while using a maturity mismatch indicator of loans and deposits (LTDm) during a specific period. Core banking activities that are based on the process of maturity transformation are the most exposed to liquidity risk. The financial crisis in 2007–2009 highlighted the importance of liquidity to the functioning of both the financial markets and the banking sector. We investigate how characteristics of a bank, such as size, capital, and business model, are related to liquidity risk, while using a sample of European banks in the period after the financia

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Fusen, Nita Yolanda Oktavia, Heraeni Tanuatmodjo, and Aneu Cakhyaneu. "The Influence Of Risk Based Capital, Investment Returns, and Operational Costs, On the Surplus Underwriting Of Islamic Insurance Companies at the 2014-2018 Period." Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi 12, no. 2 (2020): 287–306. http://dx.doi.org/10.35313/ekspansi.v12i2.2209.

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This study aims to see the overview and influence of risk based capital, investment returns, and operational costs, on the surplus underwriting in Sharia general insurance companies in Indonesia period 2014-2018. Surplus underwriting over the past five years has been fluctuating and almost all sharia general insurance companies in Indonesia have decreased. This is due to the decline in performance and financial instruments in Sharia general insurance companies in Indonesia. The research methods used in this study are causality methods with a quantitative approach. The population in this resear

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