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Journal articles on the topic 'Financial mechanism of bank liquidity management'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Sidorov, Aleksandr Andreevich. "Securitization as a method of managing the liquidity of a commercial bank." Финансы и управление, no. 4 (April 2020): 33–40. http://dx.doi.org/10.25136/2409-7802.2020.4.34638.

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The financial system of the Russian Federation is currently facing deterioration of the conditions of external business environment. The spread of the coronavirus infection COVID-19 turned 2020 into the most difficult year for development of banking system of the Russian Federation. This article is dedicated to the research analysis of practical role of securitization as a mechanism and method used in management of the internal liquidity of a commercial bank. The relevance of this study is substantiated by the need to improve the mechanisms of financial risk management, which emerge in activit

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Thi Pham, Xuan Thanh, Tin Huu Ho, Ha Thai Tran Nguyen, and Thanh Phu Ngo. "Does raising bank capital limit bank liquidity creation? Evidence from commercial banks in Vietnam." Journal of Eastern European and Central Asian Research (JEECAR) 9, no. 4 (2022): 593–604. http://dx.doi.org/10.15549/jeecar.v9i4.962.

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Little is known about the trade-off mechanism underlying raising bank capital and enhancing bank liquidity creation, as empirical evidence is sparse. Pursuing Basel II target capital seems challenging and costly because it could generate unintended consequences, such as reducing liquidity creation. Thus, the aim of this study is to point out that the pursuit of raising capital to meet Basel II standards in recent years has limited the liquidity creation function of banks. This finding is reliable and consistent across different research methods, i.e. least absolute shrinkage and selection oper

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3

Sarker, Niluthpaul, and Probir Kumar Bhowmik. "Bank Liquidity Risk: Significance of Financial Disclosure and Governance Practice." Asian Economic and Financial Review 11, no. 9 (2021): 724–44. http://dx.doi.org/10.18488/journal.aefr.2021.119.724.744.

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The objective of the study is to show the remedial effect of bank liquidity risk in the marketplace by disseminating financial information and practicing corporate governance mechanisms. The link between financial disclosure, corporate governance, and banks' liquidity risk management in Bangladesh is examined in this paper. The study used panel data on 32 commercial banks from the 2008 to 2018 with 346 observations collected from published annual reports. Based on the preliminary diagnosis, the study chose the two-stage least squares (2SLS) regression method to minimize the errors arising from

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Al-Nimer, Munther, Omar Arabiat, and Rana Taha. "Liquidity Risk Mediation in the Dynamics of Capital Structure and Financial Performance: Evidence from Jordanian Banks." Journal of Risk and Financial Management 17, no. 8 (2024): 360. http://dx.doi.org/10.3390/jrfm17080360.

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Maximising financial performance while maintaining adequate liquidity is a crucial and ongoing challenge for bank management, particularly in emerging markets. This study focuses on the relationship between capital structure and financial performance in Jordanian banks, with the mediating role of liquidity risk. Using panel data from 13 central Jordanian banks over the 2015–2022 period, we employ structural equation modelling (SEM) to analyse how capital structure ratios (equity-to-asset, debt-to-loan, and deposit-to-asset) influence financial performance metrics (return on assets and net inco

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Novikova, Tetyana, Zaneta Simanaviciene, Arturas Simanaviciene, and Tetyana Tuinova. "MECHANISMS OF COMMERCIAL BANK FINANCIAL MANAGEMENT." Financial and credit systems: prospects for development 2, no. 9 (2023): 7–17. http://dx.doi.org/10.26565/2786-4995-2023-2-01.

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Abstract. The article examines the main financial management mechanisms of a commercial bank, as well as the prospect of creating a modern financial mechanism. The article analyzes the approach to the definition of the term "finances" and the focus of management on the placement of financial resources to obtain income. Emphasis is placed on the importance of productive financial relations between the bank and clients through financial management. The role of elements of planning, operational management and controlling in the creation of modern financial management methods is also considered. T

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Hawas, Saad Abd Mohammed. "Risks and Financial Indicators in Managing Bank Liquidity in Islamic Banks: A Case Study of Asia Islamic Bank for Finance and Investment in Iraq." ZAC Conference Series: Social Sciences and Humanities 1, no. 1 (2024): 69–78. http://dx.doi.org/10.70516/zaccsssh.v1i1.25.

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The aims of this study to demonstrate the importance of liquidity indicators and the role of liquidity management in addressing liquidity risk and achieving alignment between the bank's objectives of maximizing profitability, determining an optimal level of liquidity and providing security for depositors and shareholders by following specific strategies and working according to specific mechanisms to achieve harmonization and alignment between its objectives Foremost among them is the forecasting, planning and follow-up of the volume and timing of cash flows, early disclosure of possible defic

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Jian, Yangyang, Keke Liang, Yifei Sun, and Fan Zhang. "Research on the Asset Liability Management Mechanism of Commercial Banks Taking Silicon Valley Bank as an Example." IC-ITECHS 5, no. 1 (2024): 841–47. https://doi.org/10.32664/ic-itechs.v5i1.1648.

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Since 2023, the bank bankruptcy incidents in the United States, represented by Silicon Valley Bank, have continued to ferment, causing bank runs and capital market turmoil, and spreading panic in the financial market. This article takes Silicon Valley Bank as an example to review the beginning and end of the bankruptcy event caused by the liquidity crisis, and analyzes the reasons for its bankruptcy from internal factors such as bank asset liability maturity mismatch, weakened capital adequacy ratio, and lack of risk management measures, as well as external environmental factors such as the Fe

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Dhawan, Sanjeev, and Afroze Nazneen. "Innovation approaches to estimate financial performance of banking sector: the case for Saudi Arabia." Marketing and Management of Innovations 5, no. 2 (2021): 252–60. http://dx.doi.org/10.21272/mmi.2021.2-21.

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A robust financial structure is considered essential for the swift development and growth and of an economic system. The banking structure is a vital constituent of the financial structure of a nation. The banking system performance assessment is an influential determinant and indicator of the economy's financial strength. Financial Innovation approaches resulting from new technology helps in better estimation of Financial Performances of the banking sector. Banks need to be more closely and accurately watched as they play the role of facilitator of monetary policy of the economy. The prime ob

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Dedeloudis, Georgios, Petros Lois, and Spyros Repousis. "Banking Supervision and Risk Management in Times of Crisis: Evidence from Greece’s Systemic Banks (2015–2024)." Journal of Risk and Financial Management 18, no. 7 (2025): 386. https://doi.org/10.3390/jrfm18070386.

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This study examines the role of supervisory frameworks in shaping the risk management behavior of Greece’s four systemic banks during the period of 2015–2024. It explores how regulatory reforms under Capital Requirements Regulation II, Basel III, and European Central Bank oversight influenced capital adequacy, asset quality, and liquidity metrics. Employing a quantitative methodology, this study analyzes secondary data from Pillar III disclosures, annual financial reports, and supervisory statements. Key risk indicators (capital adequacy ratio, non-performing exposure ratio, liquidity coverage

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10

Vu Mai Chi. "Refinancing as a Liquidity Management Strategy: Evidence from Vietnam’s Banking Sector." Journal of Information Systems Engineering and Management 10, no. 24s (2025): 161–68. https://doi.org/10.52783/jisem.v10i24s.3884.

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Liquidity stability is crucial for financial systems, especially in emerging economies like Vietnam, where banks often face liquidity and market fluctuations. The State Bank of Vietnam (SBV) plays a pivotal role in supporting financial institutions through refinancing mechanisms. However, there is limited research on the specific factors that influence commercial banks' decisions to seek refinancing from SBV.This study investigates the key determinants affecting refinancing demand, focusing on collateralized refinancing, cost sensitivity, and disbursement efficiency. By analyzing survey data t

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Karno Widigdo, Setyo. "IMPLIKASI HUKUM UNDANG-UNDANG NO. 2 TAHUN 2020 TERHADAP PENCEGAHAN DAN PENANGANAN POTENSI RISIKO LIKUIDITAS BANK PERKREDITAN RAKYAT MELALUI PINJAMAN LIKUIDITAS JANGKA PENDEK." Jurnal Bina Mulia Hukum 5, no. 1 (2020): 137–55. http://dx.doi.org/10.23920/jbmh.v5i1.34.

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ABSTRAKTulisan ini bertujuan untuk menelaah pengaturan serta mekanisme pelaksanaan koordinasi antar lembaga terkait pemberian Pinjaman Likuiditas Jangka Pendek (PLJP) bagi Bank sebagai implikasi terbitnya UU No.2 Tahun 2020. Pandemi Corona Virus Disease (Covid-19) telah berdampak terhadap memburuknya sistem keuangan terutama berkaitan erat dengan meningkatnya risiko likuditas Bank sehingga perlui dimitigasi, salah satunya melalui pinjaman likuiditas jangka pendek atau pembiayaan likuiditas jangka pendek kepada BPR. Dalam penelitian ini penulis akan menggunakan metode normatif dengan pendekatan

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Rudan, Vitalii. "LIQUIDITY OF THE BANKING SYSTEM OF UKRAINE: MODERN STATE AND STRATEGIC REFERENCE POINTS OF MANAGEMENT." Economic Analysis, no. 27(4) (2017): 170–79. http://dx.doi.org/10.35774/econa2017.04.170.

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Introduction. The article deals with the approaches for the determination of the state of liquidity of the banking system of Ukraine after the change of the monetary regime. The main negative factors that influence the dynamics of liquidity of the domestic banking system are determined. Recommendations for improving the efficiency of banking liquidity management are proposed. They are determined with consideration of strategic guidelines for the development of the banking system of Ukraine. Purpose. The article aims to substantiate the integrated approach to assessing the current state of liqu

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Et.al, Normaizatul Akma Saidi. "Financial Risk of Conventional and Islamic Banks: Does Institutional Quality Matter?" Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 3 (2021): 510–24. http://dx.doi.org/10.17762/turcomat.v12i3.757.

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Banks play a significant role in financing the economy and take on risky financial activities based on information and trust as they specialized companies with their own specificities. This study was propelled to unravel the determinants that affect financial risk (liquidity risk and credit risk) for conventional and Islamic banks. The bank-level data of conventional and Islamic banks in the regions of Middle East, Southeast Asia, and South Asia between 2006 and 2014 were collected from the Bankscope, which is a commercial database produced by the Bureau van Dijk. Thus, for conventional banks

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14

Krasnova, Iryna V., and Iryna Yu Hromnytska. "The Anti-Crisis Measures of Bank Liquidity Management in the Conditions of Martial Law in Ukraine." Business Inform 8, no. 547 (2023): 228–40. http://dx.doi.org/10.32983/2222-4459-2023-8-228-240.

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The aim of the article is to study the features of the use of anti-crisis monetary instruments to support liquidity at the macro level and ensure financial stability in Ukraine in the context of the ongoing full-scale military invasion of the russian federation. The NBU is facing new challenges and tasks related to maintaining the functional capacity of banks, prudent actions aimed at supporting liquidity and financial stability of the banking system. It has already been proved that both a shortage and a surplus of liquidity can be the starting point of a shock explosion in the economy. A comp

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Wu, Weiyu, and Xiaoyan Lin. "The Impact of Bank Fintech on Corporate Short-Term Debt for Long-Term Use—Based on the Perspective of Financial Risk." International Journal of Financial Studies 13, no. 2 (2025): 68. https://doi.org/10.3390/ijfs13020068.

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Information asymmetry between banks and enterprises in the credit market is essentially the microfoundation of financial risk generation. The frequent occurrence of corporate debt defaults, mainly due to the behavior of short-term debt for long-term use (hereinafter referred to as “SDLU”), further aggravates the contagion path from individual liquidity crisis to systemic repayment crisis. In order to test whether bank financial technology (hereinafter referred to as “BankFintech”) can mitigate SDLU and reduce the possibility of financial risks, this study matched the loan data of China’s A-sha

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Ramady, Mohamed Aly. "Effective regulatory regimes: a comparative analysis of GCC financial regulators." Journal of Financial Regulation and Compliance 23, no. 1 (2015): 2–17. http://dx.doi.org/10.1108/jfrc-09-2013-0032.

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Purpose – The purpose of this study is to investigate the effects of the global financial crisis on Gulf Cooperation Council (GCC) bank regulation and the impact on the region and the policies adopted by the regulators to avoid financial panic and contagion. Design/methodology/approach – The author examines GCC countries’ financial soundness indicators in terms of capital adequacy, non-performing loans and provisioning rates, including central bank liquidity support, deposit guarantees, capital injections and monetary easing and policies to mitigate risk assessment, and the monitoring and elim

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Ahmad, Yusuf Falaqi, Vivin Maharani Ekowati, and Meldona. "Liquidity and Leverage Impact on Islamic Bank Value: A Test on Multigroup Moderated Mediation Effect." Journal of Islamic Economics and Finance Studies 6, no. 1 (2025): 53–73. https://doi.org/10.47700/jiefes.v6i1.10869.

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Firm value is a critical indicator for evaluating a company's performance and future prospects in the market. Factors such as liquidity, leverage, and dividend policy can influence firm value, particularly in the Islamic banking sector, which is characterized by distinct financial management principles. This study aims to examine the impact of liquidity and leverage on firm value, with profitability serving as a mediating variable and dividend policy as a moderating variable. The analysis focuses on Islamic Commercial Banks in Indonesia, Pakistan, and Bangladesh over the period 2019–2023. A qu

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Altawalbeh, Mohammad Abdullah. "Corporate governance systems and financial risks: A developing country evidence." Journal of Governance and Regulation 12, no. 3, special issue (2023): 232–42. http://dx.doi.org/10.22495/jgrv12i3siart5.

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Banks are one of the essential pillars of the financial sector (Alzuod & Alqhaiwi, 2022), however, banking is a high-risk industry (de Andres & Vallelado, 2008). The aim of this paper is to investigate the impact of the board’s structure and ownership structure on the financial risks of Jordanian commercial banks. Data was gathered manually from the financial reports. Notably, the study addressed two types of financial risks: liquidity risk and credit risk. The study sample included commercial banks listed on the Amman Stock Exchange (ASE) to cover the period 2014–2019. To achieve the

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Researcher. "How to Implement Predictive Analytics in the Cash Management Process of Small and Medium Banks." International Journal of Computer Science and Information Technology Research (IJCSITR) 6, no. 2 (2025): 9–27. https://doi.org/10.5281/zenodo.15009771.

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<em>Predictive analytics is transforming cash management for small and medium banks (SMBs) by enhancing forecasting accuracy, optimizing liquidity management, and improving regulatory compliance. This paper explores how predictive analytics leverages historical data, machine learning models, and real-time analysis to provide actionable insights into cash flow trends. Key benefits include reduced liquidity risks, improved fund allocation, enhanced fraud detection, and better customer service. By integrating predictive models, SMBs can make data-driven decisions that enhance operational efficien

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Ali, Ayalew, and Sitotaw Wodajio. "The effect of risk management on the bank’s financial stability in the emerging economy." Scientific Temper 16, no. 04 (2025): 4054–63. https://doi.org/10.58414/scientifictemper.2025.16.4.07.

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In light of the fact that sustainable development and financial stability are now essential to global social and economic progress. Thus, the current study looks into how risk management affects Ethiopian banks’ financial stability between 2017 and 2024 using the generalized moment (GMM) model. The study used financial stability as the dependent variable and liquidity risk, credit risk and operational risk as the independent variables. Moreover, the study used inflation GDP and exchange rate as the control variable. In light of this, the study found that the financial stability of Ethiopia’s c

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Nezha, Lakmiti Lalla, El Alaoui Ghyzlane, Hakkou Meryem, and Mansouri Mohamed. "Governance Mechanisms And Financial Perfermance In Morocco’s Parcipatory Banking." Revista de Gestão Social e Ambiental 19, no. 2 (2025): e011340. https://doi.org/10.24857/rgsa.v19n2-086.

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Objective: This study investigates the factors affecting the profitability of Moroccan participatory banks, including performance and governance. It analyzes their impact on financial performance from 2018Q4 to 2021Q2. Theoretical Framework: This study is based on financial stability, economies of scale, risk-return trade-off, and corporate governance principles, offering a solid foundation for analyzing participatory banks' profitability. Method: A multiple regression model was used to analyze quarterly financial data. Key variables included capital adequacy ratio (CAR), bank size (SIZE), liq

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Odanga, Wycliffe Amusunzu, James N. Ndegwa, and Grace Okello. "Relationship between Financial Risk Exposure and Non-Performing Loans of Commercial Banks in Kenya." African Journal of Empirical Research 5, no. 3 (2024): 47–57. http://dx.doi.org/10.51867/ajernet.5.3.5.

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Currently, there is a financial crisis affecting commercial banks in Kenya occasioned by high levels of loan loss provision as a result of Non-Performing Loans. The past decade has seen the collapse of major banks like Chase Bank among others. This trend on Non-Performing Loans of the institutions requires urgent measures to reverse failure to which the entire sector is likely to collapse, and customers would lose a significant amount of their deposits. This study sought to investigate the effect of credit risk and liquidity risk on non-performing loans (NPLs) of commercial banks in Kenya and

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Nosan, N. "The role of banks’ financial recovery in the context of increasing public confidence in banking system of Ukraine." Galic'kij ekonomičnij visnik 66, no. 5 (2020): 113–19. http://dx.doi.org/10.33108/galicianvisnyk_tntu2020.05.113.

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The role of reorganization measures in improving the financial condition of troubled banks in Ukraine in order to increase public confidence in banking system is investigated in this paper. It is noted that instability of the banking system of Ukraine reduces the liquidity of banking institutions, can result in bankruptcy. The application of ineffective rehabilitation tools can lead to the institution dissolution. It reduces the level of public confidence in banking system of Ukraine. Five main factors of the low level of public confidence in banking system of Ukraine (massive bank closing, lo

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Feng, Xiangfei. "A Study of Systemic Risk in the Banking Industry." Highlights in Business, Economics and Management 24 (January 22, 2024): 2416–22. http://dx.doi.org/10.54097/z8qm1471.

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This paper introduces the function and operation mechanism of banks in the market, mainly studies the interest rate risk and liquidity risk in the market risk, and briefly analyzes the intermediate role of market risk in relation to several major events in 2023 and recent years in the financial industry, such as the collapse of Silicon Valley bank; In addition, policy and regulatory risks are also an important part of the external risks faced by banks. Several major bank failures indirectly caused by the Fed's interest rate hike have attracted the attention of global economists. The systemic r

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Karcheva, Ganna, and Iryna Karcheva. "THEORETICAL AND PRACTICAL ASPECTS OF MANAGING THE FINANCIAL AND ECONOMIC SECURITY OF BANKS." Economic Analysis, no. 32(1) (2022): 188–98. http://dx.doi.org/10.35774/econa2022.01.188.

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Introduction. Existing economic and managing ways to ensure the financial and economic security of banks in Ukraine are not always reliable tools, because its mostly relate to certain aspects of the bank's activities, rather than the bank as a whole open dynamic dynamic system. According to the system approach, the basis of security of such systems is the bank's compliance with stability and dynamic balance. In this case, the stability should be considered in three aspects – the stability of the trajectory of development, the stability of the attractor and structural stability. The purpose of

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OLIEINIK, Dmitry. "THE MECHANISM OF BANK INTEREST RATE FORMATION AT THE MACROECONOMIC LEVEL AND ITS ECONOMIC AND MATHEMATICAL MODEL." Economy of Ukraine 2019, no. 2 (2019): 73–89. http://dx.doi.org/10.15407/economyukr.2019.02.073.

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It is shown that, as of today, the issue “interest rate and factors affecting it” is described in sufficient detail in terms of identifying and classifying these factors. However, both classical and modern theories consider the interest rate from the point of view of relations between economic agents: the owner of the funds (creditor) and the entity experiencing the need for additional funds (borrower) without singling out the banks. The bank interest is considered exclusively at the microeconomic level as the fundamental rate, adjusted depending on the conditions for granting a loan or attrac

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Zeyu, Hou. "Theoretical Challenges of Cryptocurrency to Central Bank Monetary Supply Management." Journal of Economics and Law 1, no. 3 (2024): 111–20. http://dx.doi.org/10.62517/jel.202414318.

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This paper explores the theoretical challenges posed by cryptocurrencies to central bank monetary supply management. With the rise of cryptocurrencies like Bitcoin, traditional monetary systems and financial regulatory frameworks face unprecedented disruptions. Through literature review and theoretical analysis, this study systematically examines the fundamental characteristics and operational mechanisms of cryptocurrencies, and their potential impact on monetary policy. The analysis delves into the decentralization of cryptocurrencies and its challenge to the central bank's monopoly on curren

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Savchina, Oksana V., Ekaterina A. Sidorina, Olga V. Savchina, and Petr S. Shcherbachenko. "Financial Sustainability Assessment of the Largest Systemically Important Credit Institutions in the Context of the Global Instability." International Journal of Financial Research 12, no. 2 (2021): 10. http://dx.doi.org/10.5430/ijfr.v12n2p10.

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The national banking system is the driver for the national economy that unites various types of credit organizations that operate within a single monetary mechanism. The banking system is a part of the economic “organism”, whose condition determines the stable development of society. The problems that currently exist in the banking sector reflect instability of the entire economic situation in the country. The reasons are a reduction in budget support for organizations and the inability of some of them to adapt to changing external conditions. In crisis conditions, it is of particular interest

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Savchina, Oksana V., Ekaterina A. Sidorina, Olga V. Savchina, and Petr S. Shcherbachenko. "Financial Sustainability Assessment of the Largest Systemically Important Credit Institutions in the Context of the Global Instability." International Journal of Financial Research 12, no. 2 (2021): 10. http://dx.doi.org/10.5430/ijfr.v12n2p10.

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The national banking system is the driver for the national economy that unites various types of credit organizations that operate within a single monetary mechanism. The banking system is a part of the economic “organism”, whose condition determines the stable development of society. The problems that currently exist in the banking sector reflect instability of the entire economic situation in the country. The reasons are a reduction in budget support for organizations and the inability of some of them to adapt to changing external conditions. In crisis conditions, it is of particular interest

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Chy, Nazneen Jahan. "Liquidity Risk Management and Bailout Strategies of Bangladeshi Commercial Banks." Revista de Gestão Social e Ambiental 18, no. 8 (2024): e06013. http://dx.doi.org/10.24857/rgsa.v18n8-100.

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Purpose: The aim of this study is to evaluate the bailout strategies for sound liquidity management of Bangladeshi Nationalized Commercial Banks. Method: The researcher has selected six banks purposively as sample. A survey was conducted to gather opinions from 120 officials working in the treasury departments of these selected banks. The survey utilized a questionnaire and employed a direct approach. Subsequently, the collected data underwent analysis using common size statement analysis methodology. The survey encompassed various regulatory decisions pertaining to liquidity management. Resul

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Татар, Марина Сергіївна, та Ольга Михайлівна Козловська. "ВИЗНАЧЕННЯ ГЛИБИНИ КРИЗОВИХ ЯВИЩ БАНКІВСЬКИХ УСТАНОВ ТА РОЗРОБЛЕННЯ АНТИКРИЗОВИХ ЗАХОДІВ". TIME DESCRIPTION OF ECONOMIC REFORMS, № 4 (27 січня 2020): 65–75. http://dx.doi.org/10.32620/cher.2019.4.09.

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In the current economic environment, due to economic and political instability, a large number of banks are unable to adequately respond to changes of external and internal environment, which can lead to crisis situations, so the problem of identifying patterns and causes of banking crises, as well as identifying opportunities to overcome them relevant. The aim of the research is development of theoretical and methodological provisions on the patterns of occurrence of banking crises and development practical recommendations on the use of methods and tools that can prevent and overcome crisis p

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SHELUDKO, Natalia, and Stanislav SHISHKOV. "The National Bank of Ukraine under the conditions of marital law: the efficiency of actions on the capital markets." Fìnansi Ukraïni 2022, no. 5 (2022): 61–85. http://dx.doi.org/10.33763/finukr2022.05.061.

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Introduction. The introduction of martial law creates new challenges for financial market regulators, primarily in terms of maintaining the liquidity of financial intermediaries and trust in the national currency. Problem Statement. The results of the monetary and currency policy of the National Bank of Ukraine (NBU) on the eve of the introduction of martial law made it possible to prevent uncontrolled inflation, continue the movement towards currency liberalization, create prerequisites for the activation of the economy and achieve macro-financial stabilization. However, currently the NBU is

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Ahalya Reddy, Maddikera, and Archana Kumari shaw. "Analysis of NPA in Indian Private Sector Bank." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem43309.

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Non-Performing Assets (NPAs) have emerged as a significant challenge in the Indian banking sector, particularly in private sector banks, impacting their profitability, liquidity, and overall financial stability. This study aims to analyze the trends, causes, impact, and management strategies of NPAs in Indian private sector banks using secondary data from 2008 to 2023. The research is based on data sourced from RBI reports, financial statements of private banks, industry research publications, and banking sector analyses. The study identifies a steady rise in NPAs post-2010, driven by aggressi

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Tkachuk, Natalia, and Snizhana Herhola. "FINANCIAL RESILIENCE OF BANK LVIV IN THE CONTEXT OF MARTIAL LAW." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 37(65) (2025): 64–68. https://doi.org/10.25264/2311-5149-2025-37(65)-64-68.

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This article provides an in-depth analysis of the financial stability of Bank Lviv under martial law, a critical issue facing Ukraine’s banking sector in the context of the full-scale Russian invasion. The study explores how regional banks, such as Bank Lviv, play a vital role in maintaining economic functionality by supporting local businesses, especially small and medium-sized enterprises (SMEs), and ensuring the continuity of essential financial services during times of national crisis. The research examines key indicators of financial resilience, including asset quality, liability structur

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Kulshrestha, Preeti, and Anubha Srivastava. "USE OF CAMEL RATING FRAMEWORK: A COMPARATIVE PERFORMANCE ANALYSIS OF SELECTED COMMERCIAL BANKS IN INDIA." Copernican Journal of Finance & Accounting 11, no. 1 (2022): 67–87. http://dx.doi.org/10.12775/cjfa.2022.004.

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The performance of the banking sector is significant for any economy. The growth of a nation relies significantly upon efficient and optimum utilization of resources and also on operational efficiency of various sectors of an economy, of which the banking sector is a critical part. Banking system strengthens the stimulation of capital formation and provides liquidity. Indian banking sector comprises private, public, rural and foreign banks. In India, public sector banks are encountering challenges from private sector banks and are under constant pressure to perform better. Hence, this study en

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

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

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Sapkota, Raju. "Analyzing the Trade-offs Between Credit Risk Management and Profit Maximization in Nepalese Development Banks." New Journey 2, no. 2 (2024): 74–93. https://doi.org/10.3126/njumc.v2i2.78775.

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Effective credit risk management helps mitigate potential drawbacks and enhances the financial performance of development banks. This, in turn, leads to rewarding outcomes for both employees and shareholders, acknowledging their contributions and investments. Credit risk management serves as a crucial predictor of a bank's profitability. Therefore, it significantly influences the financial performance of the bank. The main objective of the study is analyzed the relationship between credit risk management and profitability of Nepalese development banks. Data from a sample of 8 national level de

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Dubas, Andrii. "Multifactorial study of the reliability of the banking system of Ukraine." Fìnansi Ukraïni 2024, no. 4 (2024): 59–70. http://dx.doi.org/10.33763/finukr2024.04.059.

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Introduction. Assessing the level of stability of the banking system and determining the set of factors that affect the level of its reliability is a permanent task for both scientists who research and practitioners who develop the financial system of Ukraine. While there is no universal yardstick for an unequivocal assessment of the level of reliability of banks, it is possible and necessary to investigate the factors affecting this economic phenomenon. Problem Statement. The financial stress index, which is used to assess the situation in the country's financial sector under the influence of

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Yan, Chengyu. "Research on Risk Management of Financial Derivatives in Chinese Commercial Banks." Advances in Economics, Management and Political Sciences 77, no. 1 (2024): 114–18. http://dx.doi.org/10.54254/2754-1169/77/20241595.

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Financial derivatives play an important role in modern financial markets, and they are widely used in a variety of financial activities, including risk management, investment, and asset pricing. However, with the continuous expansion and increasing complexity of the financial derivatives market, the associated risks are increasing, especially for financial institutions such as Chinese commercial banks. Therefore, the study of risk management in this area has become crucial since it involves the stability of the financial system as well as the security of the national economy. This paper examin

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Krupka, Mykhailo, Bohdana Vyshyvana, Liubov Syniavska, Vasyl Synenko, Andriy Kotur, and Tetiana Pysarenko. "Monetary Policy of The National Bank of Ukraine ‎UnderFinancial Destabilization ‎and Its Impact on The Banking System." International Journal of Accounting and Economics Studies 12, no. 3 (2025): 37–43. https://doi.org/10.14419/v055fk66.

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The purpose of this article is to assess the effectiveness of the monetary policy implemented by the National Bank of Ukraine amid financial ‎destabilization caused by war. The analysis focuses on the impact of key regulatory instruments on the banking sector and explores the ‎adaptability of monetary measures in crisis conditions. This study aims to assess the effectiveness of the monetary policy of the ‎National Bank of Ukraine (NBU) under conditions of financial destabilization and to analyze its impact on the activities of commercial ‎banks to identify key regulatory instruments, their con

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Johora, Fatema Tuz. "A Comparative Performance Analysis of Conventional Banking and Islamic Banking in Bangladesh." Asian Accounting and Auditing Advancement 6, no. 1 (2015): 59–71. http://dx.doi.org/10.18034/4ajournal.v6i1.36.

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Commercial banks can be said to be the major contributor to the financial market mechanism in Bangladesh. Two forms of commercial banking systems are functioning here: the conventional banking system and the Islamic banking system. The two banking systems differentiate each other according to their compliance with different norms, values, beliefs, and religious views while conducting business. Conventional banks follow borrowing and lending mechanisms while Islamic banks follow trading and investment mechanisms. Conventional banks provide and receive interest while receiving deposits and provi

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Nurpeissova, Makpal, Gaukhar Saimagambetova, Aizhan Omarova, Bibigul Saubetova, and Zhanat Baishukurova. "Kazakhstan's Banking Sector: Between Domestic Regulation and Macroeconomic Trends." Eurasian Journal of Economic and Business Studies 69, no. 1 (2025): 64–80. https://doi.org/10.47703/ejebs.v69i1.464.

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The banking sector plays a fundamental role in economic stability and development by facilitating financial intermediation, credit allocation, and liquidity management. In emerging economies such as Kazakhstan, the financial system is characterized by high market concentration, limited competition, and a weak connection between banking activity and macroeconomic growth, which can affect financial stability and economic development. The goal of current study is to analyze the impact of bank profitability, market concentration, and macroeconomic factors on the stability of Kazakhstan’s banking s

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Bécsi, Attila, Gergely Bognár, and Máté Lóga. "The Growing Importance of the Economic Role of the Corporate Bond Market." Financial and Economic Review 20, no. 4 (2021): 5–37. http://dx.doi.org/10.33893/fer.20.4.537.

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The role of corporate bonds has expanded globally in the past decade, as they are an ideal financial instrument both for diversifying the liability structure of issuing companies and managing investors’ portfolios. An adequately developed, liquid corporate bond market has a beneficial effect on the functioning and transparency of the market mechanisms of the economy and can also strengthen the crisis resilience of the financial system. Several studies have shown that – in addition to the normal functioning of companies – the issue of corporate financing is also important in crisis management,

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KOSOVA, Tetiana, Anton KURHANSKYI, and Oleksandr KUTSEV. "Restructuring as a form of settlement of problematic credit debt of banking institutions." Economics. Finances. Law 8, no. - (2023): 50–53. http://dx.doi.org/10.37634/efp.2023.8.12.

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Definitions of credit debt restructuring of banking institutions provided in several legal acts are summarized. They are reduced to changing the essential conditions of the current credit agreement to soften the requirements for the borrower in connection with his financial difficulties, the need to create favorable conditions for him to fulfill his credit obligations. The objects of restructuring under the credit agreement are: interest rate; forgiveness of part of the debt; his debt repayment schedule; terms and amounts of repayment of the main part of the loan, fees, etc. Restructuring of t

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O.J., Abiola, Oluwatuyi F., Mustapha B.H., and Funmilayo B. "Liquidity Management Practices of Small and Medium-Scale Enterprises in Lagos State, Nigeria." British Journal of Management and Marketing Studies 4, no. 3 (2021): 30–38. http://dx.doi.org/10.52589/bjmms-ysoy5o9t.

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The study investigated the extent of liquidity management practices among Small and Medium-Scale Enterprises in Lagos State, Nigeria. The study made use of primary data and the population of the study comprised of 4,460 registered Small and Medium-Scale Enterprises in Lagos State based on the Nigerian government contacts database (2015). Using Taro Yamane’s formula, a sample size of 367 Small and Medium-Scale Enterprises was computed for questionnaire administration. In each Small and Medium Enterprises that was randomly sampled, questionnaires were administered to the respondents; Owner, Supe

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Ahmad, Mohamad Zabidi Bin, Rosylin Mohd. Yusof, and Ahmad Rizal Mazlan. "Issues on Interbank Commodity Murabaha (CM) for Liquidity Management in Malaysia." Journal of Emerging Economies and Islamic Research 8, no. 2 (2020): 9. http://dx.doi.org/10.24191/jeeir.v8i2.8621.

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Purpose: The objective of this research is to highlight issues and review the Interbank Commodity Murabahah (CM) practice as a tool of liquidity requirement from both the Shariah and industry’s operational perspectives. Accordingly, this study seeks to analyze structure and mechanism of CM as instrument to meet the liquidity need of the Islamic financial institutions and provides an opportunity for investments. In doing so, the paper seeks to review issues related to Shariah and operations in Islamic banking. Design/methodology/approach: By conducting interview with Treasurers, Shariah S

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Pambuko, Zulfikar Bagus, and Diesyana Ajeng Pramesti. "The Effectiveness of Bank Aceh Syariah Conversion Decisions." Economica: Jurnal Ekonomi Islam 11, no. 1 (2020): 1–23. http://dx.doi.org/10.21580/economica.2020.11.1.3494.

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Abstract: Since 2008, Indonesia has had a particular policy for Islamic windows to spin off into full-fledged Islamic banks separate from their conventional parent if they meet the criteria. In the case of Bank Aceh Syariah, since Q3 2016, the spin-off has been done through a conversion mechanism from Bank Aceh to Bank Aceh Syariah. The study aims to analyze the effectiveness of conversion decisions in Bank Aceh Syariah. Non-parametric test with the Wilcoxon signed-rank is used to analyze the banking performance due to the conversion. The performance indicators tested in the study are capital

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Prykaziuk, Nataliia, and Yurii Kovalenko. "Analysis of the vulnerability of Ukrainian energy companies to financial risks." Economic Analysis, no. 35(1) (2025): 190–207. https://doi.org/10.35774/econa2025.01.190.

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The article examines the vulnerability of enterprises in Ukraine’s energy sector to financial risks through a comprehensive analysis of key financial risks, including liquidity, currency, interest rate, credit, and capital structure risks. To assess these risks, an algorithm consisting of six interrelated stages was developed. The financial performance of major industry companies – NNEGC «Energoatom», NPC «Ukrenergo», DTEK Energy Group, and NJSC «Naftogaz of Ukraine» were analysed. It is emphasized that new challenges, particularly those emerging since 2019, have increased uncertainty in this

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

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

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Omet, Ghassan, Saif Ibrahim, and Hadeel Yaseen. "Market discipline and deposit insurance: evidence from some Middle Eastern banks." Corporate Ownership and Control 6, no. 1-2 (2008): 278–85. http://dx.doi.org/10.22495/cocv6i1c2p4.

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Financial intermediaries (banks) and market (stock markets) can play an important role in economic growth. They facilitate a more efficient mobilization of savings, spread risk, and provide liquidity. Given the high costs of banking crises, regulators have always sought the means that promote greater levels of prudence in the behaviour of banks. Indeed Pillar 3 of the Basel Accord relies on enhancing bank disclosure to strengthen market discipline. In other words, Basel II introduces mechanisms to ensure effective governance in financial institutions. The primary objectives of this research ar

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