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1

Othman, Mahdy, Razia Nagina, and Dhendrup Samdrup. "English Assessing Banking Sector Performance: A Comparative Camel Study between Public and Private Banks." Revista de Gestão Social e Ambiental 18, no. 8 (2024): e05584. http://dx.doi.org/10.24857/rgsa.v18n8-099.

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Purpose: To assess and determine the top-performing Indian public and private banks while examining any discernible disparities in their financial performance. Methodology: 12 public and 20 private banks were evaluated for financial performance from 2019 to 2023, using composite ranking and independent sample t-tests. Findings: All banks met the mandatory minimum requirement of a 9% Capital Adequacy Ratio, as revealed by the study results. The Bandhan Bank was the best performer in “Capital Adequacy” and “Earning Ability”, HDFC in “Asset Quality” and “Management Quality”, and Bank of India and
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2

Mohammad Obeid Gharaibeh, Ahmad, and Mohammad Omar Farooq. "Determinants of bank lending rates: Empirical evidence from conventional retail banks in Bahrain." Banks and Bank Systems 17, no. 4 (2022): 140–53. http://dx.doi.org/10.21511/bbs.17(4).2022.12.

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The study attempts to identify the determinants of lending rates in the Kingdom of Bahrain. It examines the impact of certain macroeconomic and banks’ aggregate data variables on the level of interest rates on loans charged by Bahraini conventional retail banks using quarterly data for the period from the 4th quarter of 2012 to the 4th quarter of 2021. The study tests the impact of a consumer price index (CPI), GDP growth rates, loan-to-total assets (loan ratio), liquid assets as a proportion of total assets (liquidity position), personal lending rate, loan-to-deposit ratio, money supply (M2)
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3

Amador, Manuel, and Javier Bianchi. "Bank Runs, Fragility, and Credit Easing." American Economic Review 114, no. 7 (2024): 2073–110. http://dx.doi.org/10.1257/aer.20220328.

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We present a tractable dynamic general equilibrium model of self-fulfilling bank runs, where banks trade capital in competitive and liquid markets but remain vulnerable to runs due to a loss of creditor confidence. We characterize how the vulnerability of an individual bank depends on its leverage position and the economy-wide asset prices. We study the effect of credit easing policies, in the form of asset purchases. When a banking crisis is generated by runs, credit easing can reduce the number of defaulting banks and enhance welfare. When the crisis is driven by fundamentals, credit easing
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4

Karunakaran, N., and E. Ambika. "Customer behaviour on investment in deposit schemes in Kerala: A case study." Journal of Management Research and Analysis 10, no. 1 (2023): 66–71. http://dx.doi.org/10.18231/j.jmra.2023.011.

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Financial Analysis is a powerful mechanism of determining financial strengths and weakness of a firm. The financial statements are mirror which reflects the financial position and operating strength or weakness. Customer behaviours in relation to their income helped to know the trend of investment in various deposit schemes. The comparative statement, common size balance sheet and ratio analysis shows that the bank has a good financial position. Bank Surplus is increasing and liquidity position is fair but invests more in current asset than liquid asset.
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5

Akter, Aklima. "Financial Diagnosis Using CAMEL Model: Public versus Private Banks in Bangladesh." American Journal of Trade and Policy 4, no. 1 (2017): 39–46. http://dx.doi.org/10.18034/ajtp.v4i1.415.

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The purpose of this paper is to empirically analyze the financial statement of two selected banks (One bank from the public sector and another one from the private) in Bangladesh during 2010-14. This study highlights ranking of two banks for their performance on CAMEL (Capital Adequacy; Asset Quality; Management Quality; Earnings Ability; and Liquidity) ratios. During the year Empirical results suggest that 2010-2014 NCCBL has scored better position of all the ratios except EPS, liquid assets to total assets and liquid assets to total deposits compared to JBL. By considering all of the paramet
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6

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

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İstənilən bankın idarə olunmasının ən mühüm vəzifələrindən biri müvafiq likvidlik səviyyəsini təmin etməkdir. Bank münasib qiymətə cəlb oluna bilən vəsaitlərə və məhz onlara ehtiyac olduğu anda çıxış imkanına malik olduğu halda likvid hesab olunur. Bu o deməkdir ki, bank ya lazımi miqdarda likvid vəsaitə malikdir, ya da onları kreditlər və ya aktivlərin satışı ilə tez əldə edə bilər. Rusiyada başlayan maliyyə böhranı bankın likvidliyinin tənzimlənməsinə xüsusi aktuallıq verdi. Dinamik artım nümayiş etdirmiş bir çox Rusiya bankları yüksək dəyişkən maliyyə şəraitində likvidlik problemini həll ed
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7

Aziz, Abdulla Ibrahim, Atheer Anwar Sharif, and Delan Ghafoor Salih. "LIQUIDITY MANAGEMENT AND PROFITABILITY IN ISLAMIC BANKS OF KURDISTAN REGION OF IRAQ: CIHAN BANK FOR ISLAMIC INVESTMENT AND FINANCE AS A CASE STUDY." International Journal of Research -GRANTHAALAYAH 5, no. 5 (2017): 73–87. http://dx.doi.org/10.29121/granthaalayah.v5.i5.2017.1839.

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This research intends to analyze the relationship between liquidity management and profitability in one of the most important Islamic banks in Kurdistan Region of Iraq, Cihan Bank for Islamic Investment and Finance P.S.C. It critically examines the bank’s liquidity ratios and the liquidity management system to analyze its effectiveness in using its liquid assets in generating positive net income. Also, it uses profitability ratios to analyze the bank’s financial position. Then, those results are used to interpret the relationship between the two variables mentioned. The research concludes that
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8

Abdulla, Ibrahim Aziz, Anwar Sharif Atheer, and Ghafoor Salih Delan. "LIQUIDITY MANAGEMENT AND PROFITABILITY IN ISLAMIC BANKS OF KURDISTAN REGION OF IRAQ: CIHAN BANK FOR ISLAMIC INVESTMENT AND FINANCE AS A CASE STUDY." INTERNATIONAL JOURNAL OF RESEARCH- GRANTHAALAYAH 5, no. 5 (2017): 73–87. https://doi.org/10.5281/zenodo.583888.

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This research intends to analyze the relationship between liquidity management and profitability in one of the most important Islamic banks in Kurdistan Region of Iraq, Cihan Bank for Islamic Investment and Finance P.S.C. It critically examines the bank’s liquidity ratios and the liquidity management system to analyze its effectiveness in using its liquid assets in generating positive net income. Also, it uses profitability ratios to analyze the bank’s financial position. Then, those results are used to interpret the relationship between the two variables mentioned. The research concludes that
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9

Gazi, Md Abu Issa, Md Nahiduzzaman, Iman Harymawan, Abdullah Al Masud, and Bablu Kumar Dhar. "Impact of COVID-19 on Financial Performance and Profitability of Banking Sector in Special Reference to Private Commercial Banks: Empirical Evidence from Bangladesh." Sustainability 14, no. 10 (2022): 6260. http://dx.doi.org/10.3390/su14106260.

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The current crisis caused by the COVID-19 pandemic has hit the global economy hard, causing significant damage to every aspect of the global banking system, and Bangladesh is no exception. For that reason, its performance and profitability have been affected. In this study, we investigate the impact of COVID-19 on the financial performance and profitability of the listed private commercial banks in Bangladesh. We initially compute each bank’s financial performance index (FPI) to determine the position according to their financial performance individually before and the current period of COVID-
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10

Ogboru, Mbatabbey Joy. "Asset Quality and Deposit Money Banks Performance in Nigeria." American International Journal of Business and Management Studies 1, no. 1 (2019): 38–47. http://dx.doi.org/10.46545/aijbms.v1i1.37.

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This study investigate the relationship between asset quality and deposit money banks performance in Nigeria over a period of 30 years ranging from 1986 to 2016, utilizing time series data collected from the Nigeria deposit insurance corporation annual reports and accounts, CBN financial stability report and CBN statistically bulletin for various years. The variables of study includes return on asset (ROA) proxy for Deposit Money Bank performance in Nigeria, ratio of non-performing loan to total loan (NPL), ratio of liquid assets to total assets (LAT) and ratio of liquid assets to short term l
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11

Corredor Velandia, César Augusto. "Credit channel in developing countries: the case of Colombia." Revista de Economía del Caribe, no. 03 (June 28, 2022): 1–38. http://dx.doi.org/10.14482/ecoca.03.425.333.

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This paper uses a panel data set containing monthly information from the balance sheets of 20 banks between 1995 and 2003. It follows an estimation procedure proposed by Arellano and Bond which applies autocorrelation into panel data using a Generalized Method of Moments (GMM) estimator. The model includes particular characteristics to determine the existence of a bank lending channel including: size, liquidity, capitalization and foreign capital. The bank lending channel literature argues that differences in the characteristics and initial position of banks are reflected in their ability to o
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12

Morina, Donjeta, and Albert Qarri. "Factors That Affect Liquidity of Commercial Banks in Kosovo." European Journal of Sustainable Development 10, no. 1 (2021): 229. http://dx.doi.org/10.14207/ejsd.2021.v10n1p229.

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A very important factor that affects the growth and survival of commercial banks is also the level of liquidity. Banking industry regulators require banks to possess liquid assets in order to fulfill their obligations to depositors and third parties accurately. Lack of liquidity reduces the ability of banks to meet their obligations and otherwise excess liquidity may be the cause of reduced profits for banks. There are many factors that can affect the position of liquidity in commercial banks and which factors cause unbalanced liquidity and as such also affect their performance. As a result, t
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13

Lunyaka, K. V., O. I. Kliuiev, S. A. Rusanov, and O. O. Kliuieva. "STUDY OF THE INFLUENCE OF THE TUBE POSITION IN THE TUBE BUNDLE OF THE SHELL AND TUBE HEAT EXCHANGER ON THE PROCESS OF HEAT TRANSFER." Scientific Bulletin Kherson State Maritime Academy 1, no. 22 (2020): 99–108. http://dx.doi.org/10.33815/2313-4763.2020.1.22.099-108.

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The paper is concerned with an issue of liquid distribution in the diametrical bank tubes of the shell and tube heat exchanger. The experimental-theoretical approach for the research has been applied. The data on the determination of velocities of the heated liquid through the pipes of the heat exchanger have been obtained and processed. The research was carried out at the created experimental factory. Water at a temperature of 20 ºС has been supplied to the tubes. The temperature of the water has been maintained by a thermostat. The temperature at the outlet of the tube has been measured with
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14

Sulfianti, Anna. "Analysis of Giving Credit to Liquidity of the South Sulawesi Regional Development Bank Bantaeng District Branch." Jurnal Office 5, no. 1 (2019): 23. http://dx.doi.org/10.26858/jo.v5i1.9238.

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This study examines the relationship between granting with a liquid level in a bank that aims: (1) To determine the extent to which credit is given to the liquidity position of the South Sulawesi Regional Development Bank. (2) To get a clear picture of the relationship between the amount of funds available and the credit activities of the South Sulawesi Regional Development bank. (3) To find out the policies stipulated by the Regional Development Bank of South Sulawesi, especially the credit sector. The data collection method used in this study, is through Library Research, and Field Research.
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15

Georgescu, Oana-Maria, Dimitrios Laliotis, Miha Leber, and Javier Población. "A Liquidity Shortfall Analysis Framework for the European Banking Sector." Mathematics 8, no. 5 (2020): 787. http://dx.doi.org/10.3390/math8050787.

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This paper presents an analytical framework for the identification of vulnerabilities arising from the liquidity and funding profile of banks. It is composed of two pillars—estimation of liquidity needs and the counterbalancing capacity of the total liquid assets—that determine a liquidity surplus or shortfall and the drivers for a range of plausible scenarios. Granular bank-level data on the structure of liabilities, maturation profile, liquid assets quality composition, and asset encumbrance are used for that purpose, also taking into account associated commonality effects. A new liquidity m
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16

Sumarsana, Wikanda, and Euis Hernawati. "Analisis Kinerja Keuangan Menggunakaan Analisa Rasio Keuangan pada Bank Jabar Banten (BJB)." Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 5 (2024): 3497–508. http://dx.doi.org/10.47467/alkharaj.v6i5.1049.

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Good bank performance will influence the bank's health level, which then produces optimal profits. This research aims to analyze the health level of Bank BJB through financial reports, which can then be used for management and assist in decision making. The research was carried out by analyzing the LDR, ROA, ROE, NIM, NPL, BOPO and CAR ratios during the 2018-2022 period. The method used in this research is descriptive qualitative, by identifying trends in problems that occur and then providing a systematic and accurate picture of the relationships, nature and facts that occur. The research res
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17

Vodová, Pavla. "Liquidity of Czech and Slovak commercial banks." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 60, no. 7 (2012): 463–76. http://dx.doi.org/10.11118/actaun201260070463.

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As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sampl
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18

Wulandari, Sry, Ahmadi Miru, Anwar Borahima, and Oky Deviany Burhamzah. "The Principle of Publicity in the Binding of Guarantees For Credit in the Distribution of Credit in Banking Institutions Linked to the Prudential Banking Principle." Journal of Law and Sustainable Development 12, no. 1 (2024): e2703. http://dx.doi.org/10.55908/sdgs.v12i1.2703.

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Objective: This research aims to determine the principle of publicity in binding collateral for mortgage rights in lending to banking institutions about the tenets of Prudential Banking. Method: The type of research used is normative legal research to test applicable norms or provisions. It can also be researched by examining library materials or secondary data. Doctrinal legal research. The approach method used is the conceptual approach method. Result: Economic actors complete their financial needs by borrowing funds or capital, which is called credit, through public or private banks, users
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19

Becić, Ivan, and Dejan Antić. "Niš Credit Bank between the two world wars." Zbornik radova Filozofskog fakulteta u Pristini 53, no. 2 (2023): 249–67. http://dx.doi.org/10.5937/zrffp53-40828.

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In order to provide its shareholders with the necessary funds to carry on with their business operation with the help of the necessary share capital, the Niš Inn and Tavern Cooperative was founded in 1919. The planned operations did not give a satisfactory result, so starting from 1922, the new bank's management turned more to crediting, and its main business activities were slightly neglected. The business policy of the administration gave favourable results and the Inn and Tavern Cooperative could distribute the dividend to shareholders, although it was not large because most of the earnings
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20

ذياب احمد, ضحى, та أ. د. صبحي حسون حسون. "مخاطـر السيولـة المصرفيـة وتأثيـرهـا في الاستقرار المـالـي في العـراق للمدة2019-2005". Iraqi Journal For Economic Sciences 2021, № 71 (2021): 200–222. http://dx.doi.org/10.31272/ijes2021.71.10.

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The banking system is one of the key elements of building the economy and enhancing the financial stability of the country, and this importance comes from the role of banks operating in it as depository institutions and intermediaries between supply and demand units, in addition to modern banking services and payment systems that increase the efficiency and effectiveness of economic activity. Therefore, we find that liquidity risk indicators are important indicators that reflect the activity of banks, which at the same time may reflect a misleading picture of the positions of banks in terms of
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21

Ul Hussain Dehraj, Faheem, Sanaullah Memon, Kamran Khan Bohio, Najamuddin Budh, and Niaz Hussain Buriro. "A Comparative Financial Liquidity Analysis of Fatima and Fauji Fertilizer Companies Limited." Journal of Asian Development Studies 13, no. 1 (2024): 643–53. http://dx.doi.org/10.62345/jads.2024.13.1.53.

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The primary purpose of this research is to reasonably study the liquidity position of two major organizations in the fertilizer sector, namely Fatima and Fauji Fertilizer Companies Limited. The annual secondary panel data was taken from 2010 to 2018. For that, annual published reports were collected from the official website of the State Bank of Pakistan. The Excel tool analyzed the data through tables and bar graphs. However, the results concluded that the financial position of Fauji fertilizer was better in terms of liquidity management than Fatima fertilizers. Therefore, Fatima Fertilizer i
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22

Amaral, Marco. "Liquidity of commercial banks in Portugal and Spain." European Journal of Government and Economics 10, no. 1 (2021): 46–64. http://dx.doi.org/10.17979/ejge.2021.10.1.7165.

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Liquidity is very important for the functioning of financial markets, especially for the banking sector, because one of the critical aspects in the banking business is precisely the process of transforming short-term funds and placing them in the medium and long term. This paper aims to comprehensively assess the liquidity positions of Portuguese and Spanish commercial banks through different liquidity ratios for the period from 2002 to 2015 and understand whether the liquidity management strategy differs by bank size. To this end, unconsolidated balance sheet data were used, which were obtain
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23

Li, Xiang Jun, Wei Wang, and Zhan Jun Ma. "Research about a High-Sensitivity Automatic Liquid Manometer." Applied Mechanics and Materials 241-244 (December 2012): 186–89. http://dx.doi.org/10.4028/www.scientific.net/amm.241-244.186.

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An automatic liquid manometer which operates on the basis of a position-detecting system is described. A slanting laser beam is directed to the meniscus of liquid in a glass tube manometer without a float and is reflected by the meniscus. The reflected spotlight is focused on a position-sensitive detector (PSD) through a lens. The application of external pressure to the manometer causes the position of the meniscus to change, and the pressure can be gotten indirectly by this position. The relationship of the output of PSD to the displacement of meniscus was investigated, and the fuzzy control
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24

Shrestha, Bijaya Prakash. "Impact of Liquidity on Profitability of Commercial Banks in Nepal." PYC Nepal Journal of Management 5, no. 1 (2012): 27–38. https://doi.org/10.3126/pycnjm.v5i1.81337.

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This paper has the aim to assess the impact of liquidity on profitability of commercial banks in Nepal. To address the objective, the article has sampled 8 commercial banks established in and before 1995 for the period between 2003/04 and 2010/11. Since liquidity management can increase the banks’ profitability, the study has examined their liquidity management as well as profitability positions, using various financial tools. The article reports a largely smooth trend of average profitability of commercial banks, although the trend of liquidity ratios of the banks is fluctuating. The study co
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Putri, Ethika Kirana, Tri Nur Wahadah, Endarwati Endarwati, and Citra Ayudiati. "ANALISIS RASIO LIKUIDITAS, SOLVABILITAS, DAN RENTABILITAS DALAM LAPORAN KEUANGAN PT. BANK TABUNGAN NEGARA,Tbk YANG TERDAFTAR DIBURSA EFEK INDONESIA." Journal Competency of Business 6, no. 01 (2022): 173–85. http://dx.doi.org/10.47200/jcob.v6i01.1315.

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Economic development in a country is highly dependent on the development and real contribution of the banking sector. Financial performance measurement is very necessary in line with the level of banking competition that is increasingly advanced and developing. This study aims to gain an understanding of the condition and health position of bank BTN as one of the companies listed on the Indonesia Stock Exchange. This type of research method uses a descriptive method with a quantitative approach. The data source used is secondary data with analytical techniques using the ratio of Liquidity, Sol
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26

Raghavan, U., and B. M. Logan. "New method for the effective instillation of nasal drops." Journal of Laryngology & Otology 114, no. 6 (2000): 456–59. http://dx.doi.org/10.1258/0022215001905832.

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The main cause of sinus pathology is disease in the middle meatus, therefore, unless nasal drops are deposited in this site they will not be effective. Currently, one of three standard head positions are used by patients for the instillation of nasal drops, ‘head back’, ‘praying to Mecca’, and ‘Mygind’s’, all are uncomfortable and only one, Mygind’s position, effectively deposits the drops in the middle meatus.In this paper, we review these three positions by utilizing a preserved cadaver head and conducting a simple gravitational flow study using white liquid latex as a nasal drop substitute.
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Doroshenko, Irina, Valeriy Pogorelov, and Valdas Sablinskas. "Infrared Absorption Spectra of Monohydric Alcohols." Dataset Papers in Chemistry 2013 (October 24, 2013): 1–6. http://dx.doi.org/10.7167/2013/329406.

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FTIR spectra of homologous series of monohydric alcohols which belong to the class of partly ordered liquids were registered. The molecules of monohydric alcohols containing hydroxyl group are able to form hydrogen-bonded clusters in the condensed phase. The existence of clusters is clearly observed from the position and the contour of the stretch OH band in the vibrational spectra of liquid alcohols. In this work, the experimentally registered FTIR spectra of liquid n-alcohols from methanol to decanol are presented as well as the same spectra of methanol, ethanol, propanol, butanol, pentanol,
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DHIMAN, NARESH, DINESH PATHAK, BHANU PARTAP SINGH, and ARVIND KUMAR GATHANIA. "INFILTRATED SILICA PHOTONIC CRYSTAL WITH LIQUID CRYSTAL AND VARIOUS ORGANIC LIQUIDS." Surface Review and Letters 24, no. 04 (2016): 1750054. http://dx.doi.org/10.1142/s0218625x17500548.

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Tunable photonic crystal has been developed by infiltration of nematic liquid crystal (NLC) and different organic liquids in the void of silica microspheres. Optical properties were investigated by ultraviolet–visible (UV–Vis) spectroscopy. It has been observed that the position of photonic band gap (PBG) shifts from 336[Formula: see text]nm to 326[Formula: see text]nm with the increase of applied field from 0[Formula: see text]V to 9[Formula: see text]V and 316[Formula: see text]nm to 324[Formula: see text]nm after the infiltration of the organic liquids. The refractive index of infiltrated l
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29

Dato-on, Dutchque Van E., Ruby P. Monto, Neresita M. Calaylay, Genard B. Villanueva, Jam Kathleen F. Velez, and Earl Nathaniel O. Temanel. "Working capital management of small and medium enterprises in Cebu." University of the Visayas - Journal of Research 8, no. 1 (2014): 173–90. https://doi.org/10.5281/zenodo.1966673.

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This paper aims to assess the necessity to have an efficient working capital management within SMEs. In reality, SMEs practically focus only on its cash receipts together with its bank account position. Majority of SMEs lack an established standard credit policy, many of it also have a least concern for working capital and financial position. It was revealed that various components in working capital management like cash flow and accounts receivable management, accounts payable and inventory management greatly affect the liquidity and profitability of SMEs. Due to the mismanagement of its work
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Smith, Matthew J., and Richard A. Palmer. "The Reverse Mirage Effect: Catching the Thermal Wave at the Solid/Liquid Interface." Applied Spectroscopy 41, no. 7 (1987): 1106–13. http://dx.doi.org/10.1366/0003702874447437.

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Detection of species at the solid/liquid interface using infrared spectroscopy is severely limited by the opacity of most liquids to the infrared beam. In this work we use a variant of the photothermal beam deflection (“mirage effect”) method to avoid this problem. With this variant of the method (the “reverse mirage effect”), the IR beam passes through a transparent solid first, and then is absorbed by a liquid medium or by chromophoric species at the solid/liquid interface. The probe laser beam grazes the nonilluminated (back) surface of the solid and is deflected by the thermal gradient in
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Kapur, Manoj, Arindam Banerjee, and Kunjana Malik. "Qualitative Assessment of Basel III Liquidity Standards and its Application in the UAE." Indian Journal of Finance and Banking 4, no. 2 (2020): 118–29. http://dx.doi.org/10.46281/ijfb.v4i2.765.

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The Basel Committee for Banking and Supervision (BCBS) introduced two key liquidity ratios to strengthen the short- and long-term liquidity positions of the banks around the globe. These ratios were designed to achieve two key distinct objectives. Firstly, to encourage banks' short-term resilience to the liquidity risks by ensuring there are sufficient high-quality liquid assets to survive a significant stress which may last for 30 days. Calculation of this ratio is called as Liquidity Coverage Ratio (LCR). Secondly, to promote bank resilience over a longer time horizon, at least annually, by
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Krasnova, Iryna V., Liudmyla O. Prymostka, Viktoria S. Stepanets, and Oksana V. Chepizhko. "Problems of Asset Valuation in the Process of Bank Liquidation." PROBLEMS OF ECONOMY 3, no. 57 (2023): 254–64. http://dx.doi.org/10.32983/2222-0712-2023-3-254-264.

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The aim of the article is to identify problematic issues of valuation of property (assets) of banks that are in the process of liquidation, and substantiate proposals for the desired solution, taking into account the need to protect the rights of bank creditors. Although the bankruptcy of banks causes significant economic and moral losses, the processes of removing insolvent banks from the market, their reorganization or liquidation are constantly taking place. Therefore, regulators and banks that have been declared insolvent face many questions, including the adequate valuation of banking ass
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Permana, Imam Setia, Rossherleen Clarissa Halim, Silvia Nenti, and Riza Nurrizkinita Zein. "Analisis Kinerja Keuangan Dengan Menggunakan Rasio Likuiditas, Solvabilitas Dan Profitabilitas Pada PT. Bank BNI (Persero), TBK." Jurnal Aktiva : Riset Akuntansi dan Keuangan 3, no. 3 (2022): 132–39. http://dx.doi.org/10.52005/aktiva.v3i3.102.

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Banking is an industry that handles cash, credit, and other transactions. So that banking is defined as the backbone in building the economic and financial system in Indonesia as well as channeling funds for the community which aims to support the implementation of national development in order to increase equitable distribution of development and its results, and to assess the financial performance of a bank can be seen from how many indicators , one of which is the financial statements. Financial report is a report that contains the recording of money and transactions in and out of banking,
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Sassen, Kenneth. "Supercooled Liquid Water In Winter Storms: A Preliminary Climatology from Remote Sensing Observations." Journal of Weather Modification 17, no. 1 (2012): 30–35. http://dx.doi.org/10.54782/jwm.v17i1.108.

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Drawing from a remote sensing data base obtained from winter storm research programs in Colorado and Utah, the occurrence of supercooled liquid water over mountain barriers is examined. Combined polarization lidar and dual-channel microwave radiometer data reveal that liquid water was nearly always presenting the storms studied. Moreover, the highest frequency of occurrence and liquid water amounts were most often associated with relatively warm cloud base temperatures and Ku-band radar reflectivity factors between 0 and -10 dBZ at the liquid cloud base position. A preliminary climatology of s
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35

Dong, Liang, Jiawei Liu, Houlin Liu, Cui Dai, and Dmitry Vladimirovich Gradov. "Study on the internal two-phase flow of the inverted-umbrella aerator." Advances in Mechanical Engineering 11, no. 8 (2019): 168781401987173. http://dx.doi.org/10.1177/1687814019871731.

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In order to reveal the gas–liquid two-phase flow pattern of inverted-umbrella aerator, the high-speed photography technology, particle image velocimetry, and Volume of Fluid model are employed to capture the free-surface dynamics and velocity distribution. The Computational Fluid Dynamics simulations are validated by experimental data and the results are in good agreement with experiment. The simulation results of flow field, streamline distribution, velocity distribution, free-surface deformation, and turbulence kinetic energy are analyzed at in time and at radial profiles sampled at several
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36

Nguyen, Andrew T., Heather M. Childs, William M. Salter, et al. "Prediction of the Structural Color of Liquid Crystals via Machine Learning." Liquids 3, no. 4 (2023): 440–55. http://dx.doi.org/10.3390/liquids3040028.

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Materials that generate structural color may be promising alternatives to dyes and pigments due to their relative long-term stability and environmentally benign properties. Liquid crystal (LC) mixtures of cholesteryl esters demonstrate structural color due to light reflected from the helical structure of the self-assembled molecules. The apparent color depends on the pitch length of the liquid crystal. While a wide range of colors have been achieved with such LC formulations, the nature of the pitch–concentration relationship has been difficult to define. In this work, various machine learning
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Cheng, Yongqi, Yang Bai, Yuhang Chen, and Peng Zhang. "Finite Element Analysis and Experimental Study of Atomized Gas Flow Field in Spray Forming." Materials Physics and Chemistry 1, no. 4 (2020): 24. http://dx.doi.org/10.18282/mpc.v1i4.841.

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<p align="justify">During the spray forming process of die steel, the gas flow field of nozzle atomizer has an important influence on the atomization effect of metal solution and the shape and performance of deposited billet. In this paper, the finite element analysis method was used to study the flow field distribution of the annular slot type restricted nozzle. The results showed that the negative pressure area was formed at the front of the atomizing gas outlet of the nozzle; the negative pressure area was enlarged and the negative pressure value was increased with the increase of the
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38

Rasteniene, Loreta, Stasys Pajeda, and Rimas Vaisnoras. "Self-Assembly of a Synthetic Opal Infiltrated with Liquid Crystal Like Photonic Crystal." Solid State Phenomena 97-98 (April 2004): 245–50. http://dx.doi.org/10.4028/www.scientific.net/ssp.97-98.245.

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We have studied transmission and linear dichroism spectra of synthetic opal, refractive index n-= 1.342, infiltrated with nematic liquid crystal with averaged refractive index n = 1.596 or with water n = 1.30 and alcohol n = 1.28. We demonstrating that the position of the stop band in the visible spectra is shifted by changing infiltrated material, or temperature, or by variation angle of light incidence. Multiple diffraction are discussed.
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39

You, Wen, Hai Tao Ma, and Niao Na Zhang. "Control Method of Preventing Splashing in the Process of BOF Refining Steel Based on Soft-Measuring Technology." Advanced Materials Research 179-180 (January 2011): 279–84. http://dx.doi.org/10.4028/www.scientific.net/amr.179-180.279.

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This article raise a new control method to prevent splashing in the process of BOF refining steel, the method is based on soft-sensing technology, use the infrared temperature measurement device installed in the top gun and bottom gun, on-line detect the temperature difference of liquid slag surface and molten steel in the furnace, with the temperature difference we can get FeO content in the liquid slag, according to the degree that occur away from the splashing, temperature range is quantified five intervals, according to fall into the interval based on the temperature difference, adjust the
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40

Nfor, Ngwayi Baudouin, Jumbo Urie Eleazar, and Tayong Desmond Mimba. "Implications of Diversification on Financial Performance of Financial Institutions in the Central African Economic and Monetary Community (CEMAC)." Law and Economy 4, no. 5 (2025): 1–15. https://doi.org/10.63593/le.2788-7049.2025.06.001.

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This paper sought to investigate the effect of diversification on the financial performance of financial institutions in the CEMAC region. Data for the study was collected from COBAC National Bureau of Statistics website, BEAC and the World Bank Statistics reports regarding the activities of financial institutions in the region for the period 2000 to 2021. The collated data was run with the aid of STATA software version 13.0. The researcher used regression analysis (PCSE, PanelGLS) to investigate the effect of diversification (liquid asset to cash, non-interest income to total income, inflatio
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41

Ambroziak, Łukasz, Iwona Szczepaniak, and Małgorzata Bułkowska. "Competitive Position of Polish and Ukrainian Food Producers in the EU Market." Agriculture 14, no. 12 (2024): 2104. http://dx.doi.org/10.3390/agriculture14122104.

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The war in Ukraine and the related disruptions in its supply chains shook global markets for agricultural and energy commodities, causing their prices to increase to unprecedented levels. At the same time, this situation highlighted the fact that Ukraine is an important global producer and exporter of certain agricultural products. The complete opening of the EU market to duty-free imports from Ukraine showed that Ukrainian products constitute competition for both EU and Polish food producers. This, in turn, caused further disruptions in the food supply chains within the EU. The aim of this ar
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42

Lee, Kyung M., Timothy J. Bunning, Timothy J. White, Michael E. McConney, and Nicholas P. Godman. "Effect of Ion Concentration on the Electro-Optic Response in Polymer-Stabilized Cholesteric Liquid Crystals." Crystals 11, no. 1 (2020): 7. http://dx.doi.org/10.3390/cryst11010007.

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We have previously reported that the application of a DC field can adjust the position and/or bandwidth of the selective reflection notch in polymer-stabilized cholesteric liquid crystals (PSCLCs). The proposed mechanism of these electro-optic (EO) response is ion-facilitated electromechanical deformation of the polymer stabilizing network. Accordingly, the concentration of ions trapped within the polymer network should considerably influence the EO response of PSCLC. Our prior studies have indicated that photoinitiators can increase ion density in PSCLC by an order of magnitude. Here, we isol
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43

Romanenko, Alexandr V., Sergey V. Rashchenko, Sergey V. Goryainov, Anna Yu Likhacheva, and Andrey V. Korsakov. "In Situ Raman Study of Liquid Water at High Pressure." Applied Spectroscopy 72, no. 6 (2018): 847–52. http://dx.doi.org/10.1177/0003702817752487.

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A pressure shift of Raman band of liquid water (H2O) may be an important tool for measuring residual pressures in mineral inclusions, in situ barometry in high-pressure cells, and as an indicator of pressure-induced structural transitions in H2O. However, there was no consensus as to how the broad and asymmetric water Raman band should be quantitatively described, which has led to fundamental inconsistencies between reported data. In order to overcome this issue, we measured Raman spectra of H2O in situ up to 1.2 GPa using a diamond anvil cell, and use them to test different approaches propose
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Musso, M., F. Matthai, D. Keutel, and K. L. Oehme. "Critical Raman line shape behavior of fluid nitrogen." Pure and Applied Chemistry 76, no. 1 (2004): 147–55. http://dx.doi.org/10.1351/pac200476010147.

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Isotropic Raman line shapes of simple molecular fluids exhibit critical line broadening near their respective liquid-gas critical points. In order to observe this phenomenon, it is essential that the band position of a given vibrational mode is density-dependent, and that vibrational depopulation processes negligibly contribute to line broadening. Special attention was given to the fact that the isotropic (i.e., nonrotationally broadened) line shape of liquid N2 is affected by resonant intermolecular vibrational interactions between identical oscillators. By means of the well-chosen isotopic m
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45

PRUTSKIJ, TATIANA A., PEDRO DÍAZ ARENCIBIA, ALEXANDER MINTAIROV, JAMES MERZ, and THOMAS H. KOSEL. "ORDERED VERSUS DISORDERED InGaP LAYERS GROWN BY LIQUID PHASE EPITAXY." Modern Physics Letters B 15, no. 17n19 (2001): 651–54. http://dx.doi.org/10.1142/s021798490100221x.

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We make a comparative study of the optical and structural characteristics of two InxGa1-xP(x≈0.5 ) films nearly lattice matched to GaAs, (here referred to as disordered type 1 sample (S1) and ordered type 2 sample (S2)). The films were grown by liquid phase epitaxy (LPE). Photoluminescence (PL) measurements were performed in a wide temperature and exciting power density range for different polarization of the emitted radiation along the [110] and [1-10] directions. Observations suggest that the InxGa1-xP layer in sample 1 is disordered, as commonly obtained in LPE growth, while in sample 2 at
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46

Xiong, Qi Hua, R. Gupta, J. Wang, G. D. Mahan, L. C. Lew Yan Voon, and P. C. Eklund. "Surface Optic Phonons in Cylindrical and Rectangular Cross-Sectional Semiconducting Nanowires." Solid State Phenomena 121-123 (March 2007): 955–66. http://dx.doi.org/10.4028/www.scientific.net/ssp.121-123.955.

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Raman scattering from surface optic (SO) phonons has been observed and identified in cylindrical and rectangular cross-section nanowires with lateral dimensions in the range 20-50 nm and lengths of ~ 10 microns. The position of the SO band is found to depend on both the shape of the wire cross section (i. e., circular or rectangular) and on the dielectric constant of the external medium. The position of the SO band in GaP and ZnS nanowires is in good agreement with a dielectric continuum model that takes the shape of the wire cross section into account. We propose that the symmetry breaking me
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47

Antwi, Joseph, IBRAHIM SALIFU, and Eric Sarkodie. "PREDICTING BANKRUPTCY OF COMPANIES: EVIDENCE FROM GHANAIAN LISTED BANKS." International Journal of Finance 7, no. 2 (2022): 56–82. http://dx.doi.org/10.47941/ijf.920.

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Purpose: The study assessed the performances of Ghanaian banks in terms of their liquidity, solvency and profitability by applying financial ratios on the published audited financial statements and further predicted the bankruptcy of the selected banks with the application of Altman Z-model for selected banks in Ghana Stock Exchange.
 Methodology: Data gathered was analyzed using liquidity, leverage and profitability ratios as well as Altman Z-score. Current ratio and quick ratio were used to assess the liquidity of the banks. Additionally, debt to asset ratio and debt to equity ratio wer
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48

Choi, Seok Cheol, Hong Tak Kim, Taehun Jang, and Sang Ho Sohn. "Formation Mechanism and Properties of Foam-Structured ZnO Films Prepared Using Catalyst-Free Carbothermal Method." Journal of Nanomaterials 2019 (September 8, 2019): 1–5. http://dx.doi.org/10.1155/2019/9790686.

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Foam-structured ZnO films were formed on c-axis Al2O3 substrates by using a catalyst-free carbothermal method. The morphological properties of the films strongly depended on their substrate position in the reactor, implying that the quantity of Zn vapor transported played a crucial role in determining the film structure. The formation mechanism of the films is proposed to be as follows: with increased transport of Zn vapor, vaporized Zn elements transformed into liquid Zn nanoparticles, and the liquid Zn elements on the rods promoted the new nucleation of ZnO nanorods. The repeated growth of Z
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49

Shahinoor, Rahman, and Hasan Morshadul. "Performance Evaluation and Present trend analysis of State Owned Commercial Banks: An Empirical Study of Bangladesh." North American Academic Research 2, no. 7 (2019): 66–83. https://doi.org/10.5281/zenodo.3267976.

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<strong><em>Abstract</em></strong><em>:The purpose of this study is to present a scientific and logical analysis which will help to evaluate and compare the financial performance of six state-owned commercial banks in Bangladesh named Sonali Bank Limited, Rupali Bank Limited, Agrani Bank Limited, Janata Bank Limited, BASIC Bank Limited and Bangladesh Development Bank Limited (BDBL). In this regard, this research work is divided into two parts- first one is; Evaluation of the financial performance of six state-owned commercial banks in Bangladesh, and the second one is&nbsp; Compare the financi
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50

Shakhgildyan, Georgiy, Leon Avakyan, Grigory Atroshchenko, et al. "Ultra-Broadband Plasmon Resonance in Gold Nanoparticles Precipitated in ZnO-Al2O3-SiO2 Glass." Ceramics 7, no. 2 (2024): 562–78. http://dx.doi.org/10.3390/ceramics7020037.

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Optical materials with a tunable localized surface plasmon resonance (LSPR) are of great interest for applications in photonics and optoelectronics. In the present study, we explored the potential of generating an LSPR band with an ultra-broad range of over 1000 nm in gold nanoparticles (NPs), precipitated through a thermal treatment in ZnO-Al2O3-SiO2 glass. Using optical absorption spectroscopy, we demonstrated that the LSPR band’s position and shape can be finely controlled by varying the thermal treatment route. Comprehensive methods including Raman spectroscopy, X-ray diffraction, and high
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