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Journal articles on the topic 'Financial stream of bank'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Čihák, Martin, and Asli Demirgüç-Kunt. "Financial Structure and Incentives." National Institute Economic Review 221 (July 2012): R23—R30. http://dx.doi.org/10.1177/002795011222100113.

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The article connects two streams of recent research on the financial sector. The first is the regulation literature, which emphasises the central role of incentives in the financial sector. It points out that the challenge of financial sector regulation, highlighted by the global financial crisis, is to align private incentives with public interest without taxing or subsidising private risk-taking. The second stream of research relates to financial structures and examines the mix of financial institutions and financial markets in an economy. It finds that, as economies develop, services provid

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Lukandu, Washika Stanley, and Willy Mwangi Muturi Prof. "Non-Interest Income and Financial Performance of Listed Commercial Banks in Kenya." American Based Research Journal - ISSN (2304-7151) 12, no. 04 (2023): 01–11. https://doi.org/10.5281/zenodo.7876143.

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<em>Despite significant financial sector changes in Africa in the 1980s and 1990s, commercial banks' financial performance has remained weak, unproductive, and ineffectual in regard to the overall performance of financial revenues stability and earnings boost stream. As financial institutions struggle to maintain and boost their financial viability in the face of diminishing income, primarily as a result of an over-reliance on interest rate income, commercial banks' diversification into noninterest income has steadily expanded. As an integral part of the monetary sector, commercial ins

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Bustaman, Yosman, Viverita Viverita, Margaretha TP Lingga, and Antonius P. Siahaan. "Financial Innovation and Restriction Hypothesis in the Banking Industry: Evidence from ASEAN- 5." Indonesian Capital Market Review 15, no. 1 (2023): 40–56. http://dx.doi.org/10.21002/icmr.v15i1.1167.

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This study investigates the financial innovation impact on bank market power in ASEAN banking from 2008 to 2018. It uses income diversification as a representative of financial innovation. The impact of countries’ development of financial innovation on market power is measured by the number of ATM, internet, and cellular phone users. The data panel regression model reveals that diversified banks may enjoy higher market power. This result rejects the banking restriction activity hypothesis, which states that a bank that diversifies its income stream results in increased competition. A higher nu

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Stephen, Githaiga Ngware, Muturi Willy, and Olweny Tobias. "Income Stream Diversification and Financial Performance of Commercial Banks in Kenya." American Based Research Journal 8, no. 11 (2019): 33–47. https://doi.org/10.5281/zenodo.3565447.

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<em>Banks have resulted in strengthening their portfolio mix by diversifying their portfolios in order to eliminate risks, increase their revenue sources, remain profitable and survive the competitive environment. Diversification being the main challenge encountered by banks aims at minimizing the variability of operations by banks by reducing the concentration of deposits, loans and revenue that is generated from these activities. Income diversification aims at increasing the sources of interest as well as non- interest income, reduce interest rate risk and total unsystematic risk. Capping of

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Kapuściński, Mariusz. "The credit cycle does exist." Bank i Kredyt Vol. 56, No. 3 (2025): 253–82. https://doi.org/10.5604/01.3001.0055.1458.

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Pipień and Tymoczko (2024) make a unique contribution to the literature on the financial cycle, by extracting credit cycle positions at the bank level, rather than focusing on aggregate data. They interpret the results as indicating “a differentiation of credit cycles in individual banks”. Also, they suggest the credit cycle is driven mainly by one bank.In this study I use the same data – for banks operating in Poland – to reinterpret their results and arrive at the following conclusions. First, since – contrary to the dominant stream of the literature – Pipień and Tymoczko (2024) do not focus

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Abubakar, Ahmad Haruna, Bashar Yousif Ibrahim, Nur Nashreen Binti Zakaria, and Siti Fatimah Binti Mohd Kassim. "Board attributes, risk management and financial performance: Insights from Iraq." Annals of Management and Organization Research 5, no. 2 (2024): 115–26. http://dx.doi.org/10.35912/amor.v5i2.1810.

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Purpose: This study examines how good corporate governance practices and the establishment of risk management committees reduce investors’ risks and improve performance. Research Methodology: Data stream and annual reports were used to acquire secondary data for all 21 banks listed on the Iraqi Stock Exchange between 2019 and 2021, totalling 63 firm-year observations. Data were analyzed using Stata version 15. Results: The data show that board size and independence have strong negative relationships with bank performance. The financial knowledge of the board and independence of the risk manage

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Gaire, Amrit Kumar Sharma. "Banking Habit Determinants of Back Ward Residents of Urban Area." Journal of Nepalese Management and Research 4, no. 1 (2022): 36–45. http://dx.doi.org/10.3126/jnmr.v4i1.52779.

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Within this context, the objective of this paper is to understand the factors that influence the banking habit of the backward residents of urban area, in the light of tapping the financially excluded population in the main stream of banking transaction. The survey instrument was used to collect the information from 150 residents of the urban people from the back ward area, who have at least one bank account or are involved in any banking transactions in any financial institution. Regression analysis's findings indicate that the convenience of banking services, financial transaction security,

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Kolchurina, Irina, Olga Prihodko, Tatyana Volkova, and Kira Ponomareva. "Implementation of lean manufacturing technologies as a resource for sustainable development of a commercial bank." E3S Web of Conferences 208 (2020): 03029. http://dx.doi.org/10.1051/e3sconf/202020803029.

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The tough regulatory requirements of the Central Bank of Russia, competition with transnational banks and a reduction in the volume of issued loans made it necessary to develop measures aimed to increase the efficiency of a regional commercial bank. In this regard, search for new management methods, implementation of analysis tools and improvement of a financial organization activity are relevant. The article proposes to optimize business the processes of the management system of the regional commercial bank by using lean manufacturing tools. The advantages and usefulness of a value stream map

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Ogiemudia, Omorose A., Igbinovia Lawson Eghosa, and Amenze S. Airhiavbere. "MICROFINANCE BANKS OPERATIONS AND ECONOMIC DEVELOPMENT IN NIGERIA." Oradea Journal of Business and Economics 7, no. 2 (2022): 75–86. http://dx.doi.org/10.47535/1991ojbe158.

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The paper explored the influence of Microfinance Banks (MBs) on Economic Development (ED) in Nigeria. It was embarked upon against the background that as statutory function, loans should be provided by MBs to spur developmental purposes that will improve long run living standard. Microfinance annual data stream sourced from the country’s Central Bank of Nigeria (CBN) statistical report and World Bank national accounts data spanning 1992 to 2020 were analysed with Autoregressive Distributed Lag (ARDL) ECM Model. Following detailed time series estimation, findings reveal that MBs, investment, as

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Ian, Borg, and Micallef Brian. "Constructing a Financial Condition Index for a Small-Open Economy: The Case of Malta." Research in Applied Economics 10, no. 3 (2018): 89. http://dx.doi.org/10.5296/rae.v10i3.13755.

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This paper develops a Financial Conditions Index (FCI) for Malta for the period 1996-2017. This index provides a summary measure of financial conditions by combining several financial variables, both domestic and foreign, that influence economic activity. The indicators in the FCI are grouped in four categories: interest rates, bank balance sheet, asset prices and external variables. The weights are derived using Principal Component Analysis (PCA) and cross-checked using simulations from STREAM, the Central Bank of Malta’s macro-econometric model. Financial conditions in Malta were relatively

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Muhammad Fajar, Nunung Nurhayati, and Annisa Nadiyah Rahmani. "Perancangan Sistem Informasi Akuntansi Pelaporan Keuangan Berbasis Microsoft Excel pada UMKM Stream Coffee and Roastery." Bandung Conference Series: Accountancy 4, no. 2 (2024): 930–38. http://dx.doi.org/10.29313/bcsa.v4i2.14944.

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Abstract. This study aims to analyze the problems and design an accounting information system for financial reporting at Stream Coffee and Roastery based on SAK EMKM using Microsoft Excel. The preparation of financial reports is very important for UMKM because it helps in making the right business decisions and serves as a requirement for applying for bank loans. This study uses a qualitative approach with a descriptive analysis method. The system development method used is FAST (Framework for the Application of System Techniques), and the data collection technique is JAD (Joint Application De

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Dr., ThotaNagaraju, and TalluriSreekrishna Dr. "Financial Inclusion for Self Help Groups." International Journal of Trend in Scientific Research and Development 1, no. 5 (2017): 833–39. https://doi.org/10.31142/ijtsrd2388.

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Rangarajan's Committee on Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.Rangarajan's Committee on Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost." With a view to reach financial inclusion to the poor and rural mass in this country t

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Vento, Gianfranco A., Helen Chiappini, and Giuseppe Lia. "Corporate social responsibility, social and financial performance: The case study of the loan appraisal process of the Rwanda Development Bank." Corporate Ownership and Control 15, no. 3 (2018): 47–56. http://dx.doi.org/10.22495/cocv15i3art4.

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Development banks play an active role in smoothing growth of world’s disadvantaged areas. The social mission of development banks requires that they pay attention to corporate social responsibility (CSR) and to the social outcome of financing activities. However, like any other financial institution, they must consider the business sustainability and the financial stability over time. Thus, a comprehensive loan appraisal process should include financial and social aspects. Literature does not properly investigate development banks loan appraisal process, thus the aim of this paper is to contri

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Mehta, Bhumi. "Analysing the Sway of Cash Instruments in the Indian Financial Market Context." International Journal of Management and Development Studies 10, no. 06 (2021): 01–04. http://dx.doi.org/10.53983/ijmds.v10i06.371.

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There are basically four types of financial instruments viz. a bank deposit, a bill of exchange, a bond, and equity. As a result of a steady stream of financial innovations in today’s time, the market landscape is far less sparse-and far more complex to evaluate. Financial instruments are termed as the financial products which are tradable as packages of capital, each having their own unique characteristics and structure. The wide collection of financial instruments in today's marketplace allows for the efficient flow of capital amongst the world's investors. Financial instruments are legal do

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Abbas, Muhammad Rahat, and Barkat Ullah. "The Impact of Credit and Liquidity Risk on Bank Performance." Bulletin of Business and Economics (BBE) 12, no. 4 (2023): 205–18. http://dx.doi.org/10.61506/01.00104.

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Banks exist to make a profit so that they can continue to operate, grow, and expand. Bank stability has been challenged over the previous two decades as a result of political intervention, nonperforming loans (NPLs), and interest rate changes. They need to monitor these micro and macro-level factors to identify and manage risk. Thus, the current study explores the impact of credit risk (NPL, Z-Score) and liquidity risk (LR) on the performance of South Asian banks measured with ROA and ROE. The sample of the study comprised a total of 35 listed banks of South Asian Countries (Pakistan (20) and

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El Sayad, Samar, and Ahmed Diab. "Bank Employee Perceptions of Corporate Social Responsibility Practices: Evidence from Egypt." Sustainability 14, no. 3 (2022): 1862. http://dx.doi.org/10.3390/su14031862.

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This study examined bank employee perceptions regarding corporate social responsibility (CSR) practices in Egypt as a developing country. In particular, it explored bank employee perceptions towards the CSR aspects on which banks should focus. It also investigated whether factors such as bank type (i.e., public or private), employee age, experience, job position, and number of CSR training programs undertaken can affect this perception. Data were gathered through a questionnaire distributed to both public and private bank employees. The final sample consisted of 127 employees. SPSS was used to

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García-Alcober, M. Pilar, Diego Prior, Emili Tortosa-Ausina, and Manuel Illueca. "Risk-taking behavior, earnings quality, and bank performance: A profit frontier approach." BRQ Business Research Quarterly 23, no. 4 (2020): 285–304. http://dx.doi.org/10.1177/2340944420966870.

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After the financial crisis of 2007–2008, some bank performance dimensions have been the subject of debate, two of which are bank efficiency and bank risk-taking behavior. The literature on bank efficiency and productivity has grown considerably over the past three decades, and has gained momentum in the aftermath of the financial crisis. Interest in bank risk-taking behavior, usually focusing on its links to monetary policy, has been relatively low, but has also increased exponentially in more recent years. This article combines these two streams of research. Specifically, we test whether more

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Mpundu, Bettie, and Norman Kachamba. "An Evaluation of the Impact of Merger and Acquisition on the Financial Health of Banks: A Case Study of Atlas Mara Bank – Zambia." African Journal of Commercial Studies 4, no. 4 (2024): 319–24. http://dx.doi.org/10.59413/ajocs/v4.i4.6.

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This article critically examines the impact of mergers and acquisitions (M&As) on the financial health of banks in Zambia, focusing on Atlas Mara Bank as a case study post-merger with BancABC and Finance Bank Zambia. In an era of rapid globalization and intense sectoral competition, this research explores strategic financial responses through M&As. Employing a mixed-method approach, data was collected through structured questionnaires and interviews from a targeted sample of 30 bank employees and analyzed using SPSS and Excel. Findings indicate significant improvements in profitability

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Ben Selma Mokni, Rim, and Houssem Rachdi. "Assessing the bank profitability in the MENA region." International Journal of Islamic and Middle Eastern Finance and Management 7, no. 3 (2014): 305–32. http://dx.doi.org/10.1108/imefm-03-2013-0031.

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Purpose – Which of the banking stream is relatively more profitable in Middle Eastern and North Africa (MENA) region? Design/methodology/approach – The empirical study covers a sample of 15 conventional and 15 Islamic banks for the period 2002-2009.The authors estimate models using the generalized method of moments in system, of Blundell and Bond (1998). They exploit an up-to-date econometric technique which takes into consideration the issue of endogeneity of regressors to evaluate the comparative profitability of Islamic and conventional banks in the MENA region. Findings – Empirical analysi

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Ali, Asad, and Usman Ahmed. "Liquidity Creation by Conventional Banks In Pakistan." GMJACS 12, no. 2 (2022): 67–80. http://dx.doi.org/10.59263/gmjacs.12.02.2022.254.

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Conventional banks create liquidity in the economy by facilitating investments and savings. Conventionalbanks create liquidity by utilizing the on & off-balance sheet items and handling their asset and liabilityportfolios of different maturities. The current study estimated the volume of liquidity created byconventional banks utilizing the "Catfat" model (Berger & Bouwman, 2009). The yearly sample data wasgathered from 2000 to 2021; the secondary data source is Thomson Reuter's financial data stream. Thestudy has taken a sample from all the conventional banks registered on Pakistan Sto

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Akbar, Muhammad, Harianto Harianto, and Nahrowi Nahrowi. "Strategi Pengembangan Bank Pakan Sapi Dengan Pendekatan Model Bisnis Kanvas." Jurnal Agribisnis Indonesia 11, no. 2 (2023): 287–98. http://dx.doi.org/10.29244/jai.2023.11.2.287-298.

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The purpose of this study was to describe and improve the business model of Sepakat feed bank group, Tanggat Village, Monta District, Bima Regency. Data collection procedures through in-depth interviews and focus group discussion. Data analysis using business model canvas approach and SWOT analysis to produce a business model prototype. The results of this study show elements that must be improved in the initial mapping of the business model are value proposition, channel, key activities, key resources, key partner and revenue stream. The SWOT analysis illustrates that the strengths possessed

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Schlereth, Christian. "Pricing plans for a financial advisory service." European Journal of Marketing 48, no. 3/4 (2014): 595–616. http://dx.doi.org/10.1108/ejm-07-2012-0404.

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Purpose – In cooperation with a German online retail bank, the aim of this paper is to investigate how the bank should price a new fee-only financial advisory service. Two types of pricing plans differ in terms of their strategies for determining monthly prices: a fixed monthly price that is identical for all clients (i.e. a flat pricing plan) or a monthly price that varies as a function of each client's assets under management (i.e. a volume pricing plan). Design/methodology/approach – With a discrete choice experiment, this article studies client preferences for the two types of plans. To en

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HURD, T. R. "BANK PANICS AND FIRE SALES, INSOLVENCY AND ILLIQUIDITY." International Journal of Theoretical and Applied Finance 21, no. 06 (2018): 1850040. http://dx.doi.org/10.1142/s0219024918500401.

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Banking system crises are complex events that in a short span of time can inflict extensive damage to banks themselves and to the external economy. The crisis literature has so far identified a number of distinct effects or channels that can propagate distress contagiously both directly within the banking network itself and indirectly, between the network and the external economy. These contagious effects, and the potential events that trigger these effects, can explain most aspects of past crises, and are thought to be likely to dominate future financial crises. Since the current internationa

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Tashtamirov, Magomed. "The place of sustainable development in ESG risks formation in banking sector." E3S Web of Conferences 371 (2023): 03051. http://dx.doi.org/10.1051/e3sconf/202337103051.

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Environmental, social and governance (ESG) issues as well as related opportunities and risks are becoming increasingly relevant for financial institutions. For banks, sustainability is not only an ethical issue, but may soon become an economic and existential one, generating a new kind of risk - ESG risk. Banks must approach ESG risk in a comprehensive way by incorporating it into their risk management systems. This process includes adjusting business and risk strategies, and related risk appetite statements, as well as ensuring full transparency. While ESG risk is not a completely stand-alone

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Syarif, Fazlurrahman. "Regulatory framework for Islamic financial institutions: lesson learnt between Malaysia and Indonesia." Journal of Halal Product and Research 2, no. 2 (2019): 79. http://dx.doi.org/10.20473/jhpr.vol.2-issue.2.79-85.

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Islamic finance is a rapidly growing stream in the Halal economy. Islamic finance is a method of banking or financing activities that are based on the Sharia law and operated by sharing the risk or divide the profits of any investment as per the agreed terms. This study discusses the forms of a regulatory framework and on the organizations that are constituted for standardizing the regulations. The paper also analyses the regulatory framework for Islamic financial institutions in Malaysia and Indonesia. The type of research used is a descriptive qualitative model. We find that both countries m

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Lv, Fang, Wei Wang, Yuliang Wei, Yunxiao Sun, Junheng Huang, and Bailing Wang. "Detecting Fraudulent Bank Account Based on Convolutional Neural Network with Heterogeneous Data." Mathematical Problems in Engineering 2019 (March 25, 2019): 1–11. http://dx.doi.org/10.1155/2019/3759607.

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Detecting fraudulent accounts by using their transaction networks is helpful for proactively preventing illegal transactions in financial scenarios. In this paper, three convolutional neural network models, i.e., NTD-CNN, TTD-CNN, and HDF-CNN, are created to identify whether a bank account is fraudulent. The three models, same in model structure, are different in types of the input features. Firstly, we embed the bank accounts’ historical trading records into a general directed and weighted transaction network. And then, a DirectedWalk algorithm is proposed for learning an account’s network ve

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Ngatia, Petronilla Njeri, and Tabitha Nasieku. "Bank Specific Factors and Liquidity of Commercial Banks in Kenya." International Journal of Social Science and Humanities Research (IJSSHR) ISSN 2959-7056 (o); 2959-7048 (p) 2, no. 2 (2024): 159–78. http://dx.doi.org/10.61108/ijsshr.v2i2.104.

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Despite reporting increased level of liquidity among the commercial banks in Kenya, recent instances of bank failures that have led to the receivership of three banks, have sparked renewed interest in the liquidity of financial institutions. This stems from the uncertainty faced by many depositors about the stability of certain entities within the industry. Given the important role that banks play in any economy, it is crucial to understand the influencing factors of liquidity as a key determinant of bank stability. Thus, this study specifically sought to evaluate whether bank size, profitabil

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Salsabilla, Lathifah Zaina, and Tiara Juliana Jaya. "The impact of non-performing financing and operational efficiency on the stability of Islamic banks in Persian Gulf countries." Journal of Islamic Economics Lariba 10, no. 2 (2024): 623–40. https://doi.org/10.20885/jielariba.vol10.iss2.art1.

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IntroductionIslamic banking has become an integral part of the global financial system, particularly in the Persian Gulf region. Due to its reliance on profit-sharing and non-interest-based operations, Islamic banking faces unique challenges in maintaining stability, particularly when financing problems arise. ObjectivesThis study analyzes the effect of Non-Performing Financing (NPF), operational efficiency, and input-output optimization on the stability of Islamic banks in the Persian Gulf countries. MethodThis study employs a quantitative approach using panel data regression models, specific

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Bebeji, Umar Sani, Hussaini Bala, and Hassan Bala. "THE LEGAL FRAMEWORK FOR ISLAMIC BANKING AND THE QUEST FOR FINANCIAL INCLUSION IN NIGERIA." Jurnal Syariah 28, no. 3 (2020): 501–38. http://dx.doi.org/10.22452/js.vol28no3.6.

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The banking sector is the backbone of every economy. It determines not only the pace of growth of modern economic systems, but also the prosperity of nations. But its reliance on interest, liberal prudential guidelines and its very capitalist foundation make it incompatible with Islamic law – the faith practiced predominantly in some regions of Nigeria. Securing loans for investments comes with cut-throat conditions, riddled with cases of fraudulent and unfair practices. As a way around this, scholars began to think of how to expurgate those elements considered incompatible with the Shariah. S

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Šapkauskienė, Alfreda, and Ineta Prialgauskaitė. "Central Bank Digital Currency: research streams – a literature review." Socialiniai tyrimai 46, no. 1 (2023): 68–87. http://dx.doi.org/10.15388/soctyr.2022.46.1.4.

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Each type of payment - whether it would be coins and notes, electronic bank transfer, or remittance via fractions of bitcoin - could lead to a considerable number of benefits, as well, could possess a substantial number of risks or even threats to the current financial system and stability. The relatively recent concept of payment - cryptocurrencies, especially central bank digital currencies (CBDCs) - from a historical point of view, remains a mystery with only a few central banks to date launching these particular digital currencies. Since fundamental decisions in the development of CBDCs ar

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Al-Nasser Mohammed, Sulaiman Abdullah Saif, and Datin Joriah Muhammed. "Financial crisis, legal origin, economic status and multi-bank performance indicators." Journal of Applied Accounting Research 18, no. 2 (2017): 208–22. http://dx.doi.org/10.1108/jaar-07-2014-0065.

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Purpose The purpose of this paper is to investigate the performance of Islamic banks in developing countries from 2007 to 2010 which includes the period of the financial crisis by empirically examining the way in which the macroeconomy affected Islamic banking performance (IBP) in developing countries. The empirical examination involves two approaches of measuring performance: Sharia-based and conventional-based performance measurement. Design/methodology/approach For this paper, the authors have utilized a Data Stream/Bank Scope database and data from the Bank Negara Malaysia (Malaysian Centr

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Phuc Nguyen, Tan, and Van Dan Dang. "Bank loan growth under uncertainty in Vietnam: Does bank diversification matter?" Banks and Bank Systems 19, no. 4 (2024): 220–33. https://doi.org/10.21511/bbs.19(4).2024.17.

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Uncertainty has become a critical concern for economists and policymakers worldwide, especially following the global financial crisis and the COVID-19 pandemic, both of which have underscored its significant economic implications. This study delves into the impact of banking uncertainty on loan growth, with a particular emphasis on the moderating role of bank diversification. Diversification is evaluated across three key dimensions: assets, funding sources, and income streams. The analysis is based on a panel dataset comprising 40 Vietnamese commercial banks over the period from 2010 to 2023.

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Simanjuntak, Imelda, Niki Frantzeskaki, Bert Enserink, and Wim Ravesteijn. "Evaluating Jakarta's flood defence governance: the impact of political and institutional reforms." Water Policy 14, no. 4 (2012): 561–80. http://dx.doi.org/10.2166/wp.2012.119.

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Flood defence management in Jakarta is a critical governmental activity, since Jakarta is a low-lying delta metropolis. Its protection against flooding is crucial for the continuing of economic activities. Despite the urgent need for action, the implementation of flood defences like the Eastern Flood Canal has been a lengthy and strenuous process. The first plans to construct the Canal date back to the early 1970s and gained support early during the policy design process but the actual construction only started in 2003 after institutional and political changes. Earlier evaluations point to a l

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Mohammed Yusuf Alkali, Umaru Hussaini, Almustapha Aliyu, and Sani Abdulrahman Bala. "Adoption of new accounting information in nigeria: is accounting information more relevant?" Journal of Management and Science 12, no. 3 (2022): 159–66. http://dx.doi.org/10.26524/jms.12.79.

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This paper discussed whether there is an incremental value relevance of accounting information among Nigerian financial institutions. The study is motivated by the Report on the Observance of Standard Code (ROSC) of 2014 and 2011, which report that Nigerian accounting reporting has been marred with non-compliance, non-update, and non-disclosures of accounting information.These have contributed to the sudden fall of the Nigerian stock market from 2008 to 2009 and Nigerian financial institutions that made investors lose confidence in the Nigerian capital markets. This situation provided an oppor

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Mohammed Yusuf Alkali, Umale Okoh, and Aliyu Abubakar. "Adoption of new accounting information in nigeria: is accounting information more relevant?" Journal of Management and Science 12, no. 4 (2022): 15–21. http://dx.doi.org/10.26524/jms.12.57.

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This paper discussed whether accounting information has an incremental value relevance among Nigerian financial institutions. The study is motivated by the Report on the Observance of Standard Code (ROSC) of 2014 and 2011, which report that Nigerian accounting reporting has been marred with non-compliance, non-update, and nondisclosures of accounting information. These have contributed to the sudden fall of the Nigerian stock market from 2008 to 2009 and Nigerian financial institutions that made investors lose confidence in the Nigerian capital markets. This situation provided an opportunity t

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Masood, Omar, Shahid Mohammad Khan Ghauri, and Bora Aktan. "Predicting Islamic banks performance through CAMELS rating model." Banks and Bank Systems 11, no. 3 (2016): 37–43. http://dx.doi.org/10.21511/bbs.11(3).2016.04.

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This paper analyzes the performance of Islamic banks operating in Pakistan according to their financial results of the year 2015. CAMELS rating model is applied in this research. This model is based on certain financial ratios which are excerpt from values in the financial statements of banks. The authors conduct the research under the umbrella of quantitative paradigm. The authors found that 2 of the Islamic banks are showing satisfactory results, while others are on fair position. There is a need to develop financial markets for treasury operations for these banks. Results help in developmen

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Suhasini, Jaiswal. "Growth of Foreign Bank in India." International Journal of Trend in Scientific Research and Development 2, no. 5 (2018): 954–56. https://doi.org/10.31142/ijtsrd17006.

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Finance and banking is the life blood of trade, commerce and industry. Now -a days, banking sector acts as the backbone of modern business.In current faster lifestyle peoples may not do proper transitions without developing the proper bank network. And the Indian financial sector has also incessantly faced the rapid change in the banking system. And we can also say that before the reform period, Indian banking industry was neither perfect nor flexible. In order to create the more diversified, efficient and the elastic banking system, in 1992, government of India commenced inclusive banking ref

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Ahmed, Md Adnan, and Karin Paulina Rozario. "Impact of off-balance sheet activities on bank profitability: Evidence from Bangladesh." International Journal of Financial, Accounting, and Management 6, no. 2 (2024): 283–99. https://doi.org/10.35912/ijfam.v6i2.2510.

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Purpose: This study explores the role of off-balance sheet (OBS) activities in enhancing bank profitability in Bangladesh. In this emerging economy, banks increasingly rely on such exposures to diversify revenue streams. Despite their growing significance, the impact of OBS activities—such as loan commitments, guarantees, and derivatives—on profitability remains underexplored in similar contexts. Methods: Using a panel dataset of Bangladeshi banks, the study employs Generalized Least Squares (GLS) and Panel Corrected Standard Errors (PCSE) models to address key methodological challenges, inclu

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Begimkulov, Emil. "COMPETITIVENESS IN BANKING SECTOR: A SYSTEMATIC LITERATURE REVIEW." Marketing & Menedzsment 56, no. 4 (2023): 47–56. http://dx.doi.org/10.15170/mm.2022.56.04.05.

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THE AIMS OF THE PAPER The concept of bank competitiveness has attracted increasing scientific attention. The current paper explores the directions and trends of research on bank competitiveness measures by reviewing recently published journal articles. METHODOLOGY The research follows the systematic literature review method. First, a set of keywords were defined. Then, the keywords were combined with the Boolean operator “AND” to identify articles in the two biggest scientific databases: Web of Science and Scopus. The identified papers were filtered and screened following the

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Jailani, Novalini, Khairul Anwar, Minati Maulida, and Adib Muhammad. "Central Bank Digital Currencies and It’s Potential Impact on the Profitability and Systems Stability of Commercial Banking in Emerging Markets." EkBis: Jurnal Ekonomi dan Bisnis 9, no. 1 (2025): 37–51. https://doi.org/10.14421/ekbis.2025.9.1.2425.

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The development of Central Bank Digital Currencies (CBDCs) has become a significant topic of discussion globally, particularly in emerging markets where financial inclusion, monetary sovereignty, and banking stability are key concerns. This study explores the potential impact of CBDC implementation on the profitability and system stability of commercial banking systems in these economies. This research adopts a qualitative approach through a literature review of CBDC implementations in key emerging economies, including China, Nigeria, Brazil, Russia, and India. The study finds that while CBDCs

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Mutsonziwa, Kingstone. "Mobile Money Landscape in the 12 SADC Countries using FinScope Survey Data." GIS Business 12, no. 3 (2017): 25–32. http://dx.doi.org/10.26643/gis.v12i3.3356.

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There is no doubt that mobile money is bringing the under-served and the excluded population into the main stream financial services corridors. Based on the FinScope surveys, mobile money is becoming one of the enablers of financial inclusion. In an increasing number of developing countries, a number of poor people are using basic mobile phones to transfer money, paying for goods and accessing some basic financial services. According to the World Bank, mobile financial services are amongst the most promising mobile applications in the developing world. Although FinScope results show that mobil

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KNATKO, Dmitri, Galina SHIROKOVA, and Karina BOGATYREVA. "INDUSTRY CHOICE BY YOUNG ENTREPRENEURS IN DIFFERENT COUNTRY SETTINGS: THE ROLE OF HUMAN AND FINANCIAL CAPITAL." Journal of Business Economics and Management 17, no. 4 (2016): 613–27. http://dx.doi.org/10.3846/16111699.2015.1113199.

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Entrepreneurial entry happens as a consequence of a general choice of an individual to become an entrepreneur. While most entrepreneurial entry studies rarely consider an industry choice to be an aspect of entrepreneurial decision making process, we address this issue taking into account individual, industrial, and country specific attributes. Using data from the Global University Entrepreneurial Spirit Students’ Survey (2013–2014) on young nascent entrepreneurs and extending it with objective indicators derived from World Bank, Global Entrepreneurship Monitor, and International Property Right

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Climent-Serrano, Salvador. "Stress test based on Oliver Wyman in Bank of Spain: an evaluation." Banks and Bank Systems 11, no. 3 (2016): 66–74. http://dx.doi.org/10.21511/bbs.11(3).2016.07.

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This paper, based on econometric techniques, has done a study to improve the predictions of the stress test, concerning the estimation of impairment losses. The main results obtained are: 1) the impact of the explanatory variables on the impairment loss is different at stages of growth, compared to times of recession; 2) there is a certain inertia of the dependent variable, but this inertia is different in intensity, and even the sign in the growth stages concerning the stages of recession; 3) of the explanatory variables, nominal GDP and equity are those that have a greater impact on the impa

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Mamadjonov, Shukurillo Ibrohimjon o'g'li. "FUNDAMENTALS OF BANK CAPITAL MANAGEMENT AND FACTORS INFLUENCING IT." Deutsche internationale Zeitschrift für zeitgenössische Wissenschaft 99 (March 6, 2025): 38–40. https://doi.org/10.5281/zenodo.14982157.

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Bank capital management is a critical component of financial institutions' stability and regulatory compliance. It ensures that banks maintain adequate capital to absorb losses, support growth, and comply with regulatory requirements while optimizing shareholder value. This article explores the fundamental principles of bank capital management, including capital adequacy, risk-weighted assets, and capital buffers, as prescribed by the Basel Accords.

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Robbins, Richard H. "An anthropological contribution to rethinking the relationship between money, debt, and economic growth." Focaal 2018, no. 81 (2018): 99–120. http://dx.doi.org/10.3167/fcl.2018.810108.

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Interrelationships among money, debt, and economic growth create a financial system that provides a steady stream of income to banks and private investors— the proverbial 1 percent. However, because economists obscure these interrelationships, threats to the maintenance of the monetary streams of the elite are underreported. Consequently, increasing shares of national incomes must be appropriated to maintain those streams. This article reexamines the nature of and relationships among money, debt, and economic growth to understand austerity programs and why rates of economic growth must decline

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Bayyoud, Mohammed, KM Anwarul Islam, Firas SQ Barakat, and Nurjahan Akter Monira. "Econometric Analysis for Analyzing the Impact of Inflation and Exchange Rate on the Financial Performance of Commercial Banks in Palestine." International Research Journal of Multidisciplinary Scope 06, no. 02 (2025): 359–71. https://doi.org/10.47857/irjms.2025.v06i02.03829.

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This study investigates the impact of inflation and exchange rate fluctuations on the financial performance of commercial banks in Palestine. Using econometric analysis, the research examines data from 13 commercial banks over the period 2013–2017, employing key performance indicators such as Return on Assets (ROA), Return on Equity (ROE), and the Liquid Assets to Total Assets (LATTA) ratio. The findings reveal a significant positive relationship between inflation and financial performance, indicating that Palestinian banks effectively adapt to inflationary environments to enhance profitabilit

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Opuala - Charles, Silva, and Jonah O. Orji. "Financial Innovation and Public Revenue Performance in BRICS Countries: A lesson for Nigeria." European Journal of Business and Innovation Research 10, no. 7 (2022): 31–52. http://dx.doi.org/10.37745/ejbir.2013/vol10n73152.

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The global revenue shortfall in emerging economies has created concern for quest into innovative techniques to broaden public revenue sources. Hence, this study on financial innovation and public revenue performance in BRICS countries. Sample data were collected from selected countries of Brazil and South Africa to benchmark Nigerian ; revenue performance from 2010 to 2020.The technique of Random Effect (RE) was suggested by Hausman test to study public revenue performance on cashless mobile payment (CMP), volume of electronic payment (EPV), and volume of web pay users (WPU).The findings sugge

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Mohd Jaapar, Asmah, Nur Ain Abdul Hamid, and Nurhatiah Ahmad Chukari. "The Determinant of Islamic Bank Profitability and Stability in Malaysia." Journal of Communication, Language and Culture 6, no. 1 (2025): 195–224. https://doi.org/10.33093/ijomfa.2025.6.1.7.

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This study examines the determinants of profitability and stability of 14 Islamic banks in Malaysia using secondary data from 2018 until 2022. Hausman and Breush-Pagan's tests indicate that the fixed effect panel model is the best model to predict the relationships. The final fixed effect model for the profitability of Islamic banks shows that capital adequacy ratio (CAR), Z-score, and gross domestic product (GDP) have significant relationships with return on assets (ROA). CAR has a negative effect, while Z-score and GDP positively affect ROA. On the other hand, the final fixed effect model fo

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Wijayanti, Rita, Anni Aryani, and Doddy Setiawan. "Islamic Social Reporting in Indonesian Islamic Bank: A Systematic Literature Review." GLOBAL BUSINESS FINANCE REVIEW 28, no. 5 (2023): 82–98. http://dx.doi.org/10.17549/gbfr.2023.28.5.82.

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Purpose: This study aims to provide a systematic review of research on Islamic social reporting (ISR) in the context of Islamic banks in Indonesia. Design/methodology/approach: A total of 32 articles published in international journals indexed by Scopus and Indonesian journals indexed by the Science and Technology Index (SINTA) were selected using a mapping approach. Findings: This study found that most ISR research used a quantitative explanatory approach. Most of the ISR re-search uses legitimacy and stakeholder theory as a basis for exploring the phenomenon. The mapping shows th

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Corona, Claudia Rebecca, and Terri Sue Hogue. "Machine learning in stream and river water temperature modeling: a review and metrics for evaluation." Hydrology and Earth System Sciences 29, no. 12 (2025): 2521–49. https://doi.org/10.5194/hess-29-2521-2025.

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Abstract. As climate change continues to affect stream and river (henceforth stream) systems worldwide, stream water temperature (SWT) is an increasingly important indicator of distribution patterns and mortality rates among fish, amphibians, and macroinvertebrates. Technological advances tracing back to the mid-20th century have improved our ability to measure SWT at varying spatial and temporal resolutions for the fundamental goal of better understanding stream function and ensuring ecosystem health. Despite significant advances, there continue to be numerous stream reaches, stream segments,

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