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Journal articles on the topic 'Financial soundness'

Author: Grafiati

Published: 4 June 2021

Last updated: 30 May 2022

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1

Sotneva, Y. D. "KEY ASPECTS OF CORPORATE FINANCIAL SOUNDNESS." MGIMO Review of International Relations, no. 4(43) (August 28, 2015): 278–84. http://dx.doi.org/10.24833/2071-8160-2015-4-43-278-284.

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With increasing role of transnational corporation (TNC) questions of corporate financial soundness analysis and prediction methods are gaining momentum. This article highlights the key aspects of financial soundness of corporations. The author compared the economic notion of financial soundness in theory and in practice. Also, specified the concept of financial soundness («stability», «sustainability», «solvency», «soundness», «financial distress) used in Russia and internationally. The existing academic approach in terms of financial soundness assessment is different from the view of international organizations and corporations. The article stated that Russian researches in general see financial soundness as a mix of liquidity and solvency whereas in practice the financial soundness is a more multivariate concept. International Monetary Fund, Ministry of Regional Development and Central Bank of Russia extend the concept of financial soundness adding the profitability and specific ration into the analysis. Foreign authors use different models of financial soundness ranging from statistical, mathematical to special ratings. In practice there is also no definitive understanding of financial soundness based on the analysis of financial information of Rosneft, Alrosa, and Tatneft.Compared Russian and foreign academic approach, government and international instructions of IMF, Ministry of Regional Development and Central Bank of Russia and stated the main characteristics of financial soundness, an author gives its definition.

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2

Kasselaki, Maria Th, and Athanasios O. Tagkalakis. "Financial soundness indicators and financial crisis episodes." Annals of Finance 10, no. 4 (April 30, 2013): 623–69. http://dx.doi.org/10.1007/s10436-013-0233-6.

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3

Kutum, Imad, and Khaled Al-Jaberi. "Jordan Banks Financial Soundness Indicators." International Journal of Finance & Banking Studies (2147-4486) 4, no. 3 (January 21, 2016): 44. http://dx.doi.org/10.20525/ijfbs.v4i3.224.

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<p><em>The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans) %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans) ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.</em></p>

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4

Slack, Graham L. "Availability of Financial Soundness Indicators." IMF Working Papers 03, no. 58 (2003): 1. http://dx.doi.org/10.5089/9781451847888.001.

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5

Ziaei, Sayyed Mahdi. "Effects of Financial Soundness and Openness on Financial Development." Review of Pacific Basin Financial Markets and Policies 20, no. 04 (November 2, 2017): 1750028. http://dx.doi.org/10.1142/s021909151750028x.

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Using panel data estimation, we evaluate the effects of financial soundness indicators, financial openness and bank liquidity on financial development across 40 countries. According to our dynamic panel estimates, the following variables are found to significantly affect financial development: capital to asset ratio, nonperforming loans and direct foreign investment. Our result indicated that the change in capitalization ratio was the main driver of financial development. Moreover, nonperforming loan shock has a negative and significant influence on financial development. This study emphasizes the important role of financial soundness and financial openness in maintaining financial stability and development of banking system.

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Mohammed, Hamu Kedir, Yonas Mekonnen Wetere, and Mikael Shibru Bekelecha. "Soundness of Ethiopian Banks." International Journal of Finance & Banking Studies (2147-4486) 4, no. 2 (May 21, 2015): 29–37. http://dx.doi.org/10.20525/ijfbs.v4i2.218.

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A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

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7

Costa Navajas, Matias, and Aaron Thegeya. "Financial Soundness Indicators and Banking Crises." IMF Working Papers 13, no. 263 (2013): 1. http://dx.doi.org/10.5089/9781484327616.001.

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8

Das, Udaibir S., Richard Podpiera, and Nigel Davies. "Insurance and Issues in Financial Soundness." IMF Working Papers 03, no. 138 (2003): 1. http://dx.doi.org/10.5089/9781451856002.001.

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9

Lunde, Jens. "Financial Soundness Indicators for Owner Occupiers." Housing Studies 24, no. 1 (January 2009): 47–66. http://dx.doi.org/10.1080/02673030802550177.

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10

Ahmad Almahadin, Hamed, Thair Kaddumi, and Qais AL-Kilani. "Banking soundness-financial stability nexus: empirical evidence from Jordan." Banks and Bank Systems 15, no. 3 (October 9, 2020): 218–27. http://dx.doi.org/10.21511/bbs.15(3).2020.19.

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The main purpose of this study is to investigate the relationship between financial stability and banking soundness in Jordan. For this purpose, the study mainly uses the FMOLS approach in addition to other analysis techniques and tools. The outcomes of the descriptive analysis show that the Jordanian financial system seems stable, and the indicators of banking soundness signal a steady and solid banking sector. The cointegration tests indicate that the considered variables have a long-term equilibrium relationship; the variables move together in the long term. The empirical results reveal that the majority of the banking soundness indicators have a positive impact on financial stability. This asserts that a sound banking sector plays a vital role in maintaining a stable financial system. However, the findings also indicate that a steady interest rate policy is one of the significant requirements for sustaining the stability of financial systems. Moreover, the response of financial stability with respect to economic growth changes is found to be positive and relatively high. On the fact of the importance of the topic under study, since financial stability is one of the major concerns of the authority bodies, the empirical findings can have very important policy implications for decision-makers.

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11

Oktamirza, Suci, and Vanica Serly. "Pengaruh Karakteristik Dewan Pengawas Syariah Terhadap Tingkat Financial Soundness Bank Syariah di Indonesia Tahun 2015-2019." JURNAL EKSPLORASI AKUNTANSI 3, no. 2 (June 28, 2021): 414–31. http://dx.doi.org/10.24036/jea.v3i2.378.

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This study aims to examine the effect of Shari’ah Supervisory Board characteristics on financial soundness of Islamic banks in Indonesia. This research was conducted by quantitavie method and used data of Islamic banks listed in Financial Service Authority of Indonesia (OJK) at 2015-2019. Total sample was 13 islamic banks for each period. This research used RGEC method as main and newest measurement financial soundness of Indonesian banks. This research also used CAMEL method and Z-Score method as a robustness or additional test. Characteristics of Shari’ah Supervisory Board in this research represented by board size, multi-position, board education levels and meeting frequency.The result of this this study conclude that board size only affects financial soundness of Islamic banks from GCG mechanism and Cash Adequacy Ratio aspects. And multi positions of board will affects financial soundness of Islamic banks from Non Performing Financing, Return On Assets and Operational Expense Toward Operational Income aspects. While, board education levels didn’t have any significant impact on financial soundness of Indonesian Islamic banks in every aspects of RGEC method. And the meeting frequency only affects financial soundness of Indonesian Islamic banks from Operational Expense Toward Operational Income aspects. CAMEL method as the first robustness test showed that all of Shariah Supervisory Board characteristics didn’t have any significant impact on financial soundness of Indonesian Islamic banks while, the Z-Score as the second additional test found that only multi position which was give a significant impact on financial soundness of Indonesian Islamic banks.

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12

Thanh Binh Nguyen, T. "Nonlinear effect of female board directorship on bank financial soundness." Banks and Bank Systems 16, no. 4 (October 26, 2021): 22–33. http://dx.doi.org/10.21511/bbs.16(4).2021.03.

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To verify if female directors on the bank’s board play a role in managing bank stability, this paper applies a multi-threshold model to quarterly data from 26 Taiwanese commercial banks over the 2002–2018 period to find the factors that influence bank financial stability and to examine how female board directorship affects it. The empirical results suggest that women on the board do play a guarding role in a bank’s financial soundness when banks reach a high debt ratio regime. The influence of female directors on the capital adequacy ratio is positive for banks with a debt ratio higher than 92.69%, and for non-performing loans it is positive within the regime of the debt ratio 90.71% ≤ τ &lt; 95.39%.In particular, it has been found that the value of total assets is a factor that positively affects a bank’s financial soundness, which supports the “too big to fail” theory for banks with high total assets and debt ratios. Revenue has the opposite effect on financial soundness when it negatively affects the capital adequacy ratio and positively affects non-performing loans. A larger board size reduces banks’ financial soundness, which is contrary to the higher proportion of women on the board of directors, which generally contributes to the financial stability of the bank.

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13

Che, Natasha Xingyuan, and Yoko Shinagawa. "Financial Soundness Indicators and the Characteristics of Financial Cycles." IMF Working Papers 14, no. 14 (2014): 1. http://dx.doi.org/10.5089/9781484386880.001.

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14

Pietrzak, Marcin. "Can Financial Soundness Indicators Help Predict Financial Sector Distress?" IMF Working Papers 2021, no. 197 (July 2021): 1. http://dx.doi.org/10.5089/9781513593005.001.

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15

Kirimi, Peter Njagi, Samuel Nduati Kariuki, and Kennedy Nyabuto Ocharo. "Moderating effect of bank size on the relationship between financial soundness and financial performance." African Journal of Economic and Management Studies 13, no. 1 (November 23, 2021): 62–75. http://dx.doi.org/10.1108/ajems-07-2021-0316.

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PurposeThis study analyzed the moderating effect of bank size on the relationship between financial soundness and financial performance of commercial banks in Kenya.Design/methodology/approachThe study employed data from 39 commercial banks for ten years from 2009 to 2018. Panel data regression model was used to analyze data.FindingsThe study results established a negative moderating effect of bank size on the relationship between commercial banks' financial soundness and net interest margin (NIM) and return on assets (ROA) with the results indicating a correlation coefficient of −0.1699 and −0.218, respectively. However, an absence of moderating effect was established when return on equity (ROE) was used as a measure of financial performance.Practical implicationsThe paper finding recommends that banks' management and other policy makers should consider the effect of bank size while devising financial soundness policies to ensure optimal level of banks' financial soundness aimed at improving banks' financial performance. In addition, bankers associations should come up with policies to standardize asset quality management practices to ensure continuous positive performance of the banking sector.Originality/valueThe study shows the contribution and applicability of the theory of production in the banking sector.

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16

Zeb, Shumaila, and Abdul Sattar . "Financial Regulations, Profit Efficiency, and Financial Soundness: Empirical Evidence from Commercial Banks of Pakistan." Pakistan Development Review 56, no. 2 (June 1, 2017): 85–103. http://dx.doi.org/10.30541/v56i2pp.85-103.

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The purpose of this paper is threefold. First, it measures profit efficiency and financial stability of commercial banks of Pakistan. Second, it empirically estimates the effect of the already implemented financial regulations on the profit efficiency and financial stability of banks. Third, it examines the differential effect of financial regulations on profitability and financial soundness across bank size. To carry out the empirical analysis, a balanced bank-level panel data covering the period 2008-2014 is used. To gauge the profit efficiency of commercial banks, Data Envelopment Analysis (DEA) is utilised, while, to proxy the financial soundness, the Z-score is calculated for each bank. The panel regression approach is used to examine the effects of financial regulations on the profit efficiency and financial soundness of banks. We find that the financial regulations enforced by State Bank of Pakistan (SBP) have significant impacts on the profit efficiency and financial stability of banks. The results indicate that the non-performance loans to assets ratio (NPLL) and the reserve ratio (RR) impact positively, whereas, the liquidity ratio (LIQR) and the loans to deposits ratio (LODEPOSIT), significantly and negatively affect the profit efficiency of banks. However, only LR and RR are positively and significant related to the financial stability. The results also suggest that the financial regulations have significant differential effects on the profit efficiency and financial soundness of banks across bank size. JEL Classification: C23, E44, G21, G28 Keywords: Profit Efficiency, Financial Soundness, Financial Regulations, Data Envelopment Analysis, Z-Score, Differential Effects

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Khalil, Afef, and Neila Boulila Taktak. "The impact of the Shariah Board’s characteristics on the financial soundness of Islamic banks." Journal of Islamic Accounting and Business Research 11, no. 9 (July 29, 2020): 1807–25. http://dx.doi.org/10.1108/jiabr-08-2018-0127.

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Purpose The purpose of this study is to examine the relationship between corporate governance and financial soundness of Islamic banks. Precisely, this study examines the Shariah Board’s characteristics and empirically diagnoses its impact on the financial soundness of Islamic banks. Design/methodology/approach In this case, the level of bank soundness is individually measured using the z-score indicator. Regression analyses are applied to test the impact of the Shariah Board’s characteristics on the financial soundness of Islamic banks, using a panel data set of 67 Islamic banks – covering 20 countries during the period 2005–2014. Findings The model shows that the size of the Shariah Board has a negative and significant impact on the financial soundness of Islamic banks. However, the Shariah scholar with knowledge in finance/accounting, the presence of Mufti, the interlocked Shariah scholar and the foreign Shariah scholar do not have any significant impact on the financial soundness of Islamic banks. Practical implications This study contributes to fill the gaps in the literature that discussed the Shariah Boards’ role in the governance of Islamic banks. In addition, it provides practical implications to the Shariah Boards’ members in the Islamic banks and calls for setting a sufficient number of scholars for each Shariah Board. Originality/value With this paper, the authors aim to clarify the relationship between Shariah Board and financial soundness of the Islamic banking, and provide additional insights to the emerging literature of Islamic banking. Contrary to previous research studies, the authors use an additional hypothesis, i.e. the presence of Mufti that has a positive and significant effect on the financial soundness of Islamic Banks. Methodologically, the authors incorporate a new measure to evaluate empirically the impact of Shariah Board members with knowledge of finance and accounting on the financial soundness of Islamic banks.

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18

Kolodiziev, Oleh, Iryna Chmutova, and Viktoriia Biliaieva. "Selecting a kind of financial innovation according to the level of a bank’s financial soundness and its life cycle stage." Banks and Bank Systems 11, no. 4 (December 9, 2016): 40–49. http://dx.doi.org/10.21511/bbs.11(4).2016.04.

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This paper presents the recommendations for selecting a kind of financial innovation in a bank based on the results of theoretical research regarding its usage as a tool for ensuring bank financial soundness. The study is aimed at developing an approach to selecting a kind of financial innovation depending on the level of bank financial soundness and the stage of bank life cycle. The existing method of identifying a bank’s life cycle stage in the framework of the developed approach was improved: it was offered to use the criteria of the growth rates of a bank’s market share, total income, staff costs and net cash flow for grouping banks by the stage of their life cycle and conduct two-steps clustering which helps to determine those banks which are on the transitional stages and to refer a bank to a similar group (growth, stabilization and decline). The empirical results of its implementation suggest that there are three groups of Ukrainian banks that vary according to the stage of bank life cycle (growth, stabilization, decline), excepting those institutions which are on the transitional stages. By the example of banks which represent the main characteristics of each cluster, the authors recommend to launch particular kinds of financial innovation in bank operating activity, taking into account the peculiarities of each group. The empirical results confirm the relevance of the developed approach and its value for identifying the current phase of a bank’s development and managing its financial soundness. Keywords: bank financial soundness, bank life cycle stage, cluster analysis, discriminant analysis, Ukraine. JEL Classification: G21, D91

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19

Meher, Kishor, and Henok Getaneh. "Impact of determinants of the financial distress on financial sustainability of Ethiopian commercial banks." Banks and Bank Systems 14, no. 3 (October 10, 2019): 187–201. http://dx.doi.org/10.21511/bbs.14(3).2019.16.

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The study aims to investigate the impact of determinants of financial distress on financial sustainability of Ethiopian commercial banks. The balanced panel data of 12 commercial banks of Ethiopia have been taken for the study from 2011 to 2017. The research deploys Ordinary Least Square (OLS) Regression Model. The indicators of financial distress are bank’s specific internals and macro-economic factors. The proxies of financial sustainability are Return on Assets, Return on Equity, Financial Stability Index and Bank Soundness. The findings reveal that the Absolute Liquidity Risk and Net Income Growth are found to be positive and significant and Solvency Risk negative and significant in relation to Return on Assets. Asset Quality is found to be positive and significant and Solvency Risk negative and significant with respect to Return on Equity. The Asset Quality and Net Income Risk are positive and significant and Solvency Risk is negative and significant with relation to the Financial Stability Index. Absolute Liquidity Risk and Liquidity Risk are positive and significant and Credit Risk negative and significant with Bank Soundness. Free Cash Flow and Net Income Growth are essential for enhancing Return on Assets and Bank Soundness, and managing equity within the prudential norms could bring forth short-term financial sustainability of commercial banks. By lowering provisioning of loan loss, Growth in Net Interest Income and managing Solvency Risk could ensure financial stability to the banks, which in turn leads to financial sustainability. The study reveals that financial sustainability of banks is insulated from the exposures of systematic risks originating from macroeconomic factors.

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Son, Jiyeon, and Jooyung Park. "Effects of Keeping Financial Records on Financial Soundness of Households." Journal of Korean Home Management Association 34, no. 3 (June 30, 2016): 113–28. http://dx.doi.org/10.7466/jkhma.2016.34.3.113.

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21

신유호. "The Deductions for Financial Soundness ofLocal Governments." Local Government Law Journal 11, no. 1 (March 2011): 57–73. http://dx.doi.org/10.21333/lglj.2011.11.1.003.

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22

Nahm, Jaihyun. "Medium-Yield Loans and Financial Institutional Soundness." Journal of Industrial Economics and Business 33, no. 4 (August 31, 2020): 1059–88. http://dx.doi.org/10.22558/jieb.2020.8.33.4.1059.

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Ghosh, Saibal. "Credit Growth, Bank Soundness and Financial Fragility." South Asia Economic Journal 11, no. 1 (March 2010): 69–98. http://dx.doi.org/10.1177/139156141001100105.

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Mohammad Salameh, Hussein. "An evaluation of the financial soundness of insurance firms in the Amman Stock Exchange." Insurance Markets and Companies 13, no. 1 (April 5, 2022): 11–20. http://dx.doi.org/10.21511/ins.13(1).2022.02.

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Financial soundness of insurance firms within a country tends to heavily affect its financial environment. This study will further assess the relationship between both factors with the support of a special model to test the financial soundness of insurance companies. The model could be utilized as an indicator of the stabilization of a country’s financial environment; this is done by testing the insurance companies’ falls. The methodology used was discriminant regression on the Amman Stock Exchange (ASE) to test 12 indicators that were derived from six CARMEL model parameters. The six tested parameters were: capital adequacy, asset quality, reinsurance and actuarial issues, management efficiency, earnings and profitability, and liquidity. The results have shown that 10 out of 12 indicators are significant factors. Additionally, the study proved that the CARMEL model is an applicable model to test the financial soundness of ASE insurance companies, the possibility of detecting a deviation between the actual and expected performance was barely minimum. The effect of deviation was present in eight firms out of 19, three of which were affected by the type II error (riskier deviation). The study concluded that the CARMEL model is a significant model, and the insurance firms that follow the Jordan Insurance Federation (JIF) requirements are financially sound.

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Novita, Santi, Bambang Tjahjadi, and Andry Irwanto. "Industry and Financial Crises in Fragile and Zombie Firms: Does Leverage Matter?" Journal of Business and Economics Review (JBER) Vol.3(3) Jul-Sep 2018 3, no. 3 (September 30, 2018): 51–58. http://dx.doi.org/10.35609/jber.2018.3.3(2).

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Objective - This paper shows how leverage affects firm's fragility and financial soundness during financial and industry crises. Methodology/Technique - Long term inefficient and zombie firms are explored through the effects of leverage in additional tests. Findings - There are two main results obtained from the sample of Indonesian non-financial firms from 2007 to 2016. First, leverage has a statistically significant correlation with firm's fragility. Second, leverage has an effect on firm's financial soundness during industry crisis. Novelty - Unlike the previous paper, this paper demonstrates a significant implication on the need to differentiate fragile firms and firms that are persistently inefficient, such as zombie firms. Type of Paper: Empirical. Keywords: Fragility; Zombie; Financial Soundness; Leverage; Industry Crisis; Financial Crisis. JEL Classification: M20, M41.

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Barmawi, Muhammad Manar. "Kinerja Keuangan PT Waskita Karya (Persero) Tbk." Telaah Bisnis 21, no. 2 (June 28, 2021): 111. http://dx.doi.org/10.35917/tb.v21i2.219.

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This research aims to measure the financial performance of PT. Waskita Karya (Persero) Tbk. The analysis was carried out based on the Decree of the Minister of State Owned Enterprise (SOE) Number:KEP-100/MBU/2002 concerning the Assessment of SOE Soundness Levels. The indicators used to measure the level of financial soundness are the return on equity (ROE), return on investment (ROI), cash ratio, current ratio, collection periods, inventory turnover, total asset turnover and equity to total assets ratio. PT Waskita Karya (Persero) Tbk financial soundness level tended to decline, namely from A (sound) in 2018 and then decreased to BBB (less sound) in 2019.

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Uddin, Mohammad Main, and Abdul Kaium Masud. "Financial Health Soundness Measurement of Private Commercial Banks in Bangladesh: An Observation of Selected Banks." Journal of Nepalese Business Studies 9, no. 1 (March 1, 2016): 20–36. http://dx.doi.org/10.3126/jnbs.v9i1.14591.

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The financial sector is one of the most significant sectors for any country, especially if a country is a developing in nature. In such an environment, banking sector plays the vital role to strengthen the economic conditions. Economic growth and international business is increasing in Bangladesh and private commercial banks especially private sectors play the major roles. Thus it becomes important to measure the financial soundness of the private banks in order to judge their respective position. The study was conducted to measure the financial soundness of selected private commercial banks of Bangladesh for the period 2006-2010. In this paper, an attempt was made to analyze the financial soundness of selected banks using different statistical tools and financial indicators. The study reveals that different financial indicators showed upward trends during the period 2006 to 2010. The study also made a rank of the selected commercial banks based on financial indicators. It was found that a bank with higher deposits, loans & advances, investments, branches, employees does not always mean that has better profitability performance. The study also recommends measures that could be adopted by banks to ensure soundness in their operation.Journal of Nepalese Business Studies Vol. 9, No. 1, 2015 pp. 20-36

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Terawati, Meris. "Pembiayaan Murabahah Dan Ijarah Terhadap Tingkat Kesehatan Bank Pada Bank Umum Syariah." Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam 1, no. 1 (June 30, 2017): 105–16. http://dx.doi.org/10.22236/alurban_vol1/is1pp105-116.

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This study’s aimis to determine the effect of murabahah financing and ijarah financing on the bank soundness of sharia banks in the annual financial statements of islamic banks. Independent variables studied were murabahah studied are murabahah (X1), ijarah (X2),while the dependent variable in this study was bank soundness (Y). This study uses 30 data from the annual financial statements of 6 bank sharia banks in the period 2012-2016. Data processing using logistic regression with SPSS 23.0. Partially, the result of the test shows that murabahah and ijarah financing have a significant effect on bank soundness. The simultaneous test showed that all independent variables in this study had a significant influence on bank soundness.

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Pavić Kramarić, Tomislava, Marko Miletić, and Renata Kožul Blaževski. "Financial Stability of Insurance Companies in Selected CEE Countries." Business Systems Research Journal 10, no. 2 (September 1, 2019): 163–78. http://dx.doi.org/10.2478/bsrj-2019-025.

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AbstractBackground: Financial stability or soundness of insurance companies has gained importance over the years, especially after the financial crisis of 2008. Various stakeholders such as policy makers, regulators, the insured, etc. are interested in keeping the insurance sector stable since it contributes to overall financial stability.Objectives: The authors explore the determinants of insurers’ soundness in selected countries in Central and Eastern Europe. The analysis covers life, non-life and composite insurers that operated in Croatia, Hungary, and Poland in the period 2013 – 2017.Methods/Approach: A set of insurer – specific, industry – specific and macroeconomic variables are taken into consideration for having a potential influence on soundness measured by the Z-score. The variables include the size based on total assets, the share of premium ceded to reinsurance, claims growth, gross written premium growth, the premium to surplus ratio, market shares held by the five largest insurers, the share of gross written premium in the gross domestic product (GDP) and the GDP per capita growth.Results: The findings reveal that soundness of Croatian insurers is positively influenced by the size of an insurer. Both in Hungary and Poland reinsurance plays an important factor positively affecting soundness.Conclusions: Each of the insurance markets covered by the analysis reveals its characteristics and offers guidelines on factors influencing financial stability.

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30

Otsuka, Tadayoshi. "Financial Soundness of Federation of Consumers Insurance Cooperatives." Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE) 2013, no. 621 (2013): 621_49–621_68. http://dx.doi.org/10.5609/jsis.2013.621_49.

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Aravind, M. "Financial Soundness of Reality Industry in India:An Investigation." Parikalpana: KIIT Journal of Management 11, no. 2 (December 1, 2015): 13. http://dx.doi.org/10.23862/kiit-parikalpana/2015/v11/i2/133070.

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32

Babihuga, Rita. "Macroeconomic and Financial Soundness Indicators: An Empirical Investigation." IMF Working Papers 07, no. 115 (2007): 1. http://dx.doi.org/10.5089/9781451866797.001.

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여희정. "Factors Influencing Financial Soundness Indicators in Shipping Companies." Journal of Shipping and Logistics 33, no. 1 (March 2017): 85–103. http://dx.doi.org/10.37059/tjosal.2017.33.1.85.

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N, Suresh, T. Antony Alphonnse Ligori, Sadaf Khan, and Shad Ahmad Khan. "Comparative Financial Performance and Financial Soundness of Banks in Bhutan: Application of DuPont and Bankometer Models." International Journal of Psychosocial Rehabilitation 23, no. 1 (February 20, 2019): 441–48. http://dx.doi.org/10.37200/ijpr/v23i1/pr190256.

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Ouma, Moses O., and Gabriel N. Kirori. "Evaluating the Financial Soundness of Small and Medium-Sized Commercial Banks in Kenya: An Application of the Bankometer Model." International Journal of Economics and Finance 11, no. 6 (May 5, 2019): 93. http://dx.doi.org/10.5539/ijef.v11n6p93.

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The study investigated the financial soundness of small and medium-sized commercial banks in Kenya over the four-year period, 2014 to 2017, using the bankometer model and further compared the financial health of the two bank categories. The study employed secondary data from a census of Twelve (12) medium-sized and Sixteen (16) small banks, with the financial soundness being proxied by the overall solvency score (S-Score) in order to achieve its objective. A total of six (6) different financial ratios namely, Capital to Assets ratio, Equity to Assets ratio, Capital Adequacy Ratio, Non-Performing Loans ratio, Operating Cost to Operating Income ratio and the ratio of Loans to Assets were used in the study to measure the degree of financial health of the banks. One of the key findings of the study was that both the small and medium-sized commercial banks in Kenya were financially sound during each of the four (4) years studied, with no significant difference in the financial soundness of the two bank categories. Other findings were that all the banks studied experienced poor performance in loans and operations while two banks had below the benchmark capital adequacy ratio. The findings of the study are important in that, they can be used to formulate policies and strategies for promoting improvement in the financial performance of the banking sector in particular and the business sector at large in the country.

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Kim, Jungsook, and Nara Park. "Assessing the Effects of Financial Sources on the Fiscal Soundness of Local Government: With a Focus on Special Grants and Non-Tax Revenue." Lex localis - Journal of Local Self-Government 18, no. 1 (January 26, 2020): 71–93. http://dx.doi.org/10.4335/18.1.71-93(2020).

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The fiscal soundness of local governments has been of great interest to both scholars and practitioners. This study explored how special grants and non-tax revenue affected the financial stability of Korean local governments in the five-year period between 2009 and 2013. Panel regression found that special grants reduced fiscal soundness, which was measured as the debt ratio and financial independence of the local governments in this study. In addition, as the non-tax revenue in absolute terms increased, financial independence initially decreased before rising again at a certain point in time. We also classified local governments into three groups (low, medium, high) in terms of their debt ratios and financial independence. Special grants and non-tax revenue had a significant yet differential influence on the fiscal soundness of local governments depending on the level of financial independence, while general grants did not have statistically significant effects on local governments with either low debt ratio or low financial independence.

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Khalil, Afef. "The impact of the board of directors and the Shariah board on the financial soundness of Islamic banks." Journal of Islamic Accounting and Business Research 12, no. 5 (July 8, 2021): 646–60. http://dx.doi.org/10.1108/jiabr-01-2019-0011.

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Purpose The purpose of the study is to examine the relationship between the board of directors (BODs) and the Shariah board (SB) and assess its impact on the financial soundness of Islamic banks (IBs). Design/methodology/approach The authors use a regression model to test the effects of the relationship between the BOD and the SB on the financial soundness of IBs by applying a panel data set of 61 IBs, covering 18 countries from 2008 to 2014. The dependent variable is the Z-score indicator. To test the robustness of the results, the authors use dependent variables other than the Z-score [A rating of Capital adequacy (C), Asset quality (A), Management (M), Earnings (E), Liquidity (L), and Sensitivity (S) (CAMELS)] for 2018. Findings The results show that meetings between directors and SB members significantly reduce the financial soundness of IBs. The relationship between the BOD and the SB increases conflicts of interest and agency costs. However, a representation of the SB at the BOD meetings and vice versa does not affect financial soundness. The Accounting and Auditing Organization for Islamic Financial Institutions and the Islamic Financial Services Board corporate governance standards do not require the presence of the SB representative at the BOD meetings or vice versa, which justifies the results. Practical implications This study attempts to fill gaps in the literature by investigating the impact of meetings between the SB and the BOD on the financial soundness of IBs across the world. The results suggest that the BOD’s frequent interference in the affairs of the SB can have adverse effects on IBs and should be avoided. Originality/value The authors depart from the previous literature by using three new characteristics that link the BOD to the SB. Methodologically, the authors use three new measures to evaluate this relationship and its effect on the financial soundness of IBs. This study is unique because it explores the comparative impacts of the presence of a SB representative at the BOD meetings and a director at the SB meetings and meetings between the two governing boards of IBs.

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Masruroh, Aini, and Hasbi Siraj. "The Go-Public Policy and Its Impact to the Indonesian Islamic Bank Soundness." ETIKONOMI 15, no. 1 (April 3, 2016): 1–18. http://dx.doi.org/10.15408/etk.v15i1.2410.

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The needed of big fund inspired the companies to sell a part of its shares in the capital market. One of methods that used is to be a public company (Go-Public). However, for Islamic banking to be a public company is not main choice. At present, Islamic banking that was listing its shares in Indonesian Stock Exchange is one Islamic banking only. In this research described the comparison financial soundness of Islamic banking pre- Go-Public with post- Go-Public. The used of the analysis was the analysis of financial ratios of components contained in RBBR (Risk-based Bank Rating). Comparing between a financial soundness of Islamic banking pre go-public and post go-public used comparison test Paired-sample t test. The financial soundness condition of Islamic banking pre- and post- Go-Public overall changed to a better level. However, based on the result of further tests, showed that Go-Public policy only influenced to capital factor. DOI: 10.15408/etk.v15i1.2410

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Lemco, Jonathan, and Scott B. MacDonald. "Latin America's Volatile Financial Markets." Current History 100, no. 643 (February 1, 2001): 86–89. http://dx.doi.org/10.1525/curh.2001.100.643.86.

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The soundness of Latin America's financial health remains dependent on international capital–primarily from the United States–and commodity exports–also primarily to the United States. This dependence on the international financial environment, along with deep-seated domestic economic inequalities and structural deficiencies, means a guarded economic prognosis for the countries of the region.

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Nmadu, Yaaba Baba, Bello Yakubu A., Salihu Audu, Hamman Ibrahim, Ali Gambo Idrisa, and Farida Usman B. "Financial Soundness Indicators in Nigeria: Does Economic Condition Matters?" Archives of Business Research 8, no. 1 (January 28, 2020): 202–17. http://dx.doi.org/10.14738/abr.81.7595.

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The growing concern amongst analysts, economists, and policy makers on the interrelationship between the soundness of the financial system and the macro-economy is gradually being confirmed by both theoretical and empirical studies. This study is an attempt to join the strand of literature that investigates the link between the soundness of the banking sector and macroeconomic performance using Nigeria’s quarterly data from 2007Q1 to 2018Q4. The study applied autoregressive distributed lag approach and found among others that FSIs are strongly related to macroeconomic variables, hence capable of pre-empting financial crisis in Nigeria. The study, therefore, recommends that movements in macroeconomic variables should be used by the Central Bank of Nigeria to take proactive supervisory policy measures to avert a systemic crisis in the banking sector.

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Saini, Vikash. "EVALUATING FINANCIAL HEALTH OF GUJARAT STATE FERTILIZERS THROUGH ‘Z’ SCORE MODEL." International Journal of Research -GRANTHAALAYAH 6, no. 7 (July 31, 2018): 115–20. http://dx.doi.org/10.29121/granthaalayah.v6.i7.2018.1289.

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The evaluation of financial health is very useful for financial managers, investors and other users. In this study it is tried to know whether Z score model is able to evaluate financial health of Chambal Fertilizers and Chemicals ltd for past 10 years (2007-08 to 2016-17). Analysis of this paper shows that the model is useful to know the financial soundness of Chambal Fertilizers. In this paper overall results of Z score model indicating that the financial position of the corporation is on alert to exercise the caution. These result shows that Altman model can give good analysis for fertilizers sector in India. Hence it can be concluded that user of financial statements like financial managers, analysts, investors etc can predict business failure or financial soundness of companies through Altman Z score model.

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Ivanda, Yopi, Yvonne Augustine, and Fanny Rachamdhitya. "PROFIL TINGKAT KESEHATAN KEUANGAN PERUSAHAAN PEMBIAYAAN BERDASARKAN SURAT EDARAN OJK NOMOR 1/SEOJK.05/2016 TENTANG TINGKAT KESEHATAN KEUANGAN PERUSAHAAN PEMBIAYAAN." Jurnal Magister Akuntansi Trisakti 3, no. 2 (September 28, 2016): 227. http://dx.doi.org/10.25105/jmat.v3i2.4983.

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<p><em>This research was took 12 samples of financing companies in Indonesia to see how the profile of capital, quality of financing receivables, profitability and liquidity to the financial soundness of respective companies. Through the financial statements of the financing companies than processed according to the rules from OJK to see the profile of each of these factors on the level of financial soundness. Based on the financial statements of all 12 financing companies which are explicitly who suffered losses and there is a very minimum level of liquidity show an initial signal that there are some financing companies that the financial condition is less sound.</em></p>

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Cherebin, Desiree, DeLisle Worrell, and Tracy Polius. "Financial System Soundness in the Caribbean: An Initial Assessment." IMF Working Papers 01, no. 123 (2001): 1. http://dx.doi.org/10.5089/9781451854619.001.

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Smirnov, V. V., and A. V. Mulendeeva. "Analyzing changes in financial soundness of the BRICS countries." Finance and Credit 24, no. 6 (June 27, 2018): 1261–79. http://dx.doi.org/10.24891/fc.24.6.1261.

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Atkeson, Andrew G., Andrea L. Eisfeldt, and Pierre-Olivier Weill. "Measuring the financial soundness of U.S. firms, 1926–2012." Research in Economics 71, no. 3 (September 2017): 613–35. http://dx.doi.org/10.1016/j.rie.2017.05.003.

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Charitou, Melita. "Which profitability Measures Explain Better the Bank’s Financial Soundness?" Journal of Finance and Economics 7, no. 2 (April 28, 2019): 62–67. http://dx.doi.org/10.12691/jfe-7-2-3.

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Garcia, G. G., and Carl-Johan Lindgren. "Averting the Crash: Economic Institutions and Financial Sector Soundness." SAIS Review 18, no. 1 (1998): 19–34. http://dx.doi.org/10.1353/sais.1998.0009.

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Bitar, Mohammad, M. Kabir Hassan, and Thomas Walker. "Political systems and the financial soundness of Islamic banks." Journal of Financial Stability 31 (August 2017): 18–44. http://dx.doi.org/10.1016/j.jfs.2017.06.002.

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How, Shi-Min, Chew Ging Lee, and D. Michael Brown. "Shareholder Theory Versus Stakeholder Theory in Explaining Financial Soundness." International Advances in Economic Research 25, no. 1 (January 24, 2019): 133–35. http://dx.doi.org/10.1007/s11294-019-09722-x.

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International Monetary Fund. Statistics Dept. "Georgia: Technical Assistance Report on the Financial Accounts and Financial Soundness Indicators Mission." IMF Staff Country Reports 18, no. 60 (2018): 1. http://dx.doi.org/10.5089/9781484344989.002.

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