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Journal articles on the topic 'Liquidity management of the bank'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

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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2

Rozhkov, Y. V. "THE USE OF LIQUIDING AS A BANK MANAGEMENT CATEGORY." Vestnik of Khabarovsk State University of Economics and Law, no. 3 (January 20, 2021): 61–64. http://dx.doi.org/10.38161/2618-9526-2020-3-12.

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The article describes the theoretical problems related to the use of «bank liquidity» category. «Function» category is revealed in relation to the liquidity of credit institutions. It is proposed to introduce «liquiding» category into scientific and practical circulation as a quintessence that combines the concepts of «liquidity», «liquidity management», «liquidity risk management»

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3

Wuryandani, Gantiah, Ramlan Ginting, Dudy Iskandar, and Zulkarnain Sitompul. "Fund Management And the Liquidity of The Bank." Buletin Ekonomi Moneter dan Perbankan 16, no. 3 (2014): 231–58. http://dx.doi.org/10.21098/bemp.v16i3.446.

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This paper analyzes the liquidity of banks, both precautionary and involuntary liquidity. We apply dynamic panel estimation on individual bank data covering the period of Januari 2002 to November 2011. The result shows that precautionary liquidity is more determined by the operation of the bank. On the other hand, the involuntary liquidity is more affected by the financial system condition. Related to the size, the effect of the financial system condition and the macroeconomy is larger for the small banks. Moreover, the monetary policy in the form minimum reserve requirement affects the precau

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Tran, Thi Thuy Dung, Thi Phuong Anh Tran, and Anh Thang Tran. "Impact of Geographical Diversification on Bank Liquidity: Empirical Evidence from Vietnamese Commercial Banks." International Journal of Applied Economics, Finance and Accounting 22, no. 1 (2025): 101–10. https://doi.org/10.33094/ijaefa.v22i1.2243.

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This study investigates the effects of geographical diversification on liquidity within Vietnamese commercial banks from 2008 to 2023. Using panel data regression methods, including fixed-effects regressions to measure the relationship between bank liquidity, geographical diversification, and control variables, the generalized method of moments (GMM) to address endogeneity issues, and quantile regression to assess whether this interaction differs across different quantiles of bank liquidity, we present empirical evidence regarding the relationship between bank liquidity and geographical divers

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Diem Ha Le, Chi, and Nam Hai Pham. "Bank liquidity sensitivity after the impact of the bank-run phenomenon: The moderating role of state ownership." Banks and Bank Systems 20, no. 1 (2025): 259–70. https://doi.org/10.21511/bbs.20(1).2025.21.

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The article investigates the impact of commercial banks’ liquidity sensitivity following the bank-run phenomenon. Using data from 25 Vietnamese commercial banks from 2010 to 2022, the Sys.GMM estimation results reveal that banks with more considerable equity capital and total assets exhibit higher liquidity sensitivity after a bank run. Additionally, larger banks are more likely to adopt liquidity management strategies that involve borrowing. The study also finds that banks with more substantial financial performance, higher loan-to-deposit ratios, and a more extensive spread between loan and

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Hidayat, Nur, Muslich Anshari, and Rahmat Setiawan. "Digitalization and diversification strategies for effective bank liquidity management in emerging markets." Edelweiss Applied Science and Technology 8, no. 6 (2024): 559–71. http://dx.doi.org/10.55214/25768484.v8i6.2128.

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The purpose of this study is to examine the impact of income, assets, and geographic diversity on bank liquidity in the Indonesian banking sector. This study uses purposive sampling and multiple regression analysis (MRA) to investigate the impact of digital banking on bank liquidity, as measured by the loan-to-deposit ratio (LDR) and liquidity ratio. The sample used is 87 banks in Indonesia, which include state-owned banks, commercial banks, regional development banks, and Islamic banks. The key findings of this study indicate that income and asset diversification significantly affect bank liq

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Mashamba, Tafirei, and Farai Kwenda. "A Look at the Liquidity Management Practices of Banks in South Africa." Journal of Economics and Behavioral Studies 9, no. 3(J) (2017): 113–20. http://dx.doi.org/10.22610/jebs.v9i3(j).1750.

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In an effort to strengthen bank liquidity-risk management practices, the Basel Committee proposed new liquidity requirements for banks in 2010 under the Basel III framework. However, despite the good intentions of the liquidity requirements the new regulations are likely to present some challenges for banks in the course of managing their liquidity. However, before any inference can be made about the possible implications of the liquidity standards on bank liquidity management practices, it is imperative to have insight into the current liquidity management strategies of banks. This paper seek

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Mashamba, Tafirei, and Farai Kwenda. "A Look at the Liquidity Management Practices of Banks in South Africa." Journal of Economics and Behavioral Studies 9, no. 3 (2017): 113. http://dx.doi.org/10.22610/jebs.v9i3.1750.

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In an effort to strengthen bank liquidity-risk management practices, the Basel Committee proposed new liquidity requirements for banks in 2010 under the Basel III framework. However, despite the good intentions of the liquidity requirements the new regulations are likely to present some challenges for banks in the course of managing their liquidity. However, before any inference can be made about the possible implications of the liquidity standards on bank liquidity management practices, it is imperative to have insight into the current liquidity management strategies of banks. This paper seek

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Carsamer, Emmanuel, Anthony Abbam, and Yaw N. Queku. "Bank capital, liquidity and risk in Ghana." Journal of Financial Regulation and Compliance 30, no. 2 (2021): 149–66. http://dx.doi.org/10.1108/jfrc-12-2020-0117.

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Purpose Capital, risk and liquidity are the vitality of the banking industry, which can improve the efficiency of banking and promote the efficiency of resource allocation. The purpose of this study is to examine how Basel III new liquidity ratios affect bank capital and risk adjustments and how banks respond to the new liquidity rules. Design/methodology/approach The authors adopted the system generalized method of moments (GMM) to examine how Basel III new liquidity ratios affect bank capital and risk adjustments and how banks respond to the new liquidity rules. Based on the call reports dat

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Lavreniuk, Vladyslav V., and Oleg S. Zhuravlev. "Bank Liquidity Management at the Macro and Micro Levels." PROBLEMS OF ECONOMY 2, no. 56 (2023): 213–23. http://dx.doi.org/10.32983/2222-0712-2023-2-213-223.

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The article is aimed at deepening and systematizing the theoretical and methodological foundations of liquidity management at the macro and micro levels. The state of liquidity of the banking system of Ukraine during the war period is analyzed and the shortcomings of the practice of liquidity management of banks at the macro and micro levels are allocated. It is found that, despite a sufficient level of liquidity of domestic banks and moderate systemic liquidity risk, banks have problems with a fixed-term deposit structure, a significant liquidity surplus, increased funding costs and increased

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Zakoyan, Harutyun Varazdatovich. "LIQUIDITY MANAGEMENT POLICY IN COMMERCIAL BANKS." Annali d'Italia 47 (September 20, 2023): 17–23. https://doi.org/10.5281/zenodo.8364895.

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The Policy has been developed in order to organize and coordinate the efforts aimed at establishing and maintaining a system of the liquidity management in commercial banks (hereafter the bank). Implementation of all the regulations of the Policy will enable to create an up-to-date system of liquidity management which will ensure a stronger control over the level of liquidity risk undertaken by the bank, as well as to improve the quality of the liquidity risk management.

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12

Huynh, Japan. "Earnings Management and Bank Liquidity Creation in an Emerging Market." Malaysian Journal of Economic Studies 60, no. 2 (2023): 215–35. http://dx.doi.org/10.22452/mjes.vol60no2.4.

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This paper empirically examines the impact of bank earnings opacity on liquidity creation. Using a sample of commercial banks in Vietnam from 2007 to 2019, we find that more opaque banks tend to reduce liquidity creation growth. We further offer sharp evidence that the impact of earnings management on bank liquidity creation depends on bank-specific characteristics. More precisely, the negative impact of bank earnings management on banks’ core function is stronger for banks that are more poorly capitalised, less liquid, smaller and less profitable. With these findings, our work display implica

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13

Le-Bao, Thy, Linh Ho, and Dai Lang. "Basel III standards and liquidity determinants in Vietnamese commercial bank." Journal of Eastern European and Central Asian Research (JEECAR) 10, no. 3 (2023): 401–12. http://dx.doi.org/10.15549/jeecar.v10i3.1176.

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This study aims to ascertain the determinants affecting the liquidity of Vietnamese Commercial Banks by their bank ownership structures, CEO characteristics, and bank-specific variables. Using panel data consisting of 29 Vietnamese commercial banks, we measure liquidity using the most up-to-date method – the Net Stable Funding Difference (NSFD), according to Basel III standards. Correlating to the relationship between CEOs’ characteristics and bank liquidity, we found that CEOs with longer tenure will control liquidity better due to their higher managerial power and entrenchment. Moreover, the

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14

LARIONOVA, K., and T. DONCHENKO. "LIQUIDITY MANAGEMENT BANKS OF UKRAINE IN MODERN CONDITIONS: REGULATORY ASPECTS." Herald of Khmelnytskyi National University. Economic sciences 280, no. 2 (2020): 76–82. https://doi.org/10.31891/2307-5740-2020-280-2-14.

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Quite important is the fact that the most diverse are the systemic characteristics of industrial activity, which require the necessary, effective and efficient management. Problems with the management of the liquidated system of the European system are constantly updated, and the NBU has to constantly maintain its balance, sharing the deficit or increasing the distribution of free people. The low level of declining capacity increases the additional data on the interbank market and requires arbitrary use by the NBU, for which the own number is lower. The article considers the issue of liquidity

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Qu, Hongjian, and Jianchun Zhou. "Study on the Phenomenon of Bank Liquidity Tail." Journal of Business Administration Research 6, no. 2 (2017): 1. http://dx.doi.org/10.5430/jbar.v6n2p1.

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The entry of foreign banks, the spread of financial crisis, the marketization of interest rates and the impact of the point of time assessment lead to the phenomenon of bank liquidity tail, which has a negative impact on commercial banks, the financial system and the national economy. This paper is based on the current situation of the phenomenon of bank liquidity tail, analyzes the reasons of bank liquidity tail from two aspects of management and supervision system of bank liquidity, and proceed from the inner bank, the central bank's monetary policy, the external environment and so on, to fi

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Jasienė, Meilė, Jonas Martinavičius, Filomena Jasevičienė, and Gražina Krivkienė. "BANK LIQUIDITY RISK: ANALYSIS AND ESTIMATES." Business, Management and Education 10, no. 2 (2012): 186–204. http://dx.doi.org/10.3846/bme.2012.14.

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In today’s banking business, liquidity risk and its management are some of the most critical elements that underlie the stability and security of the bank’s operations, profit-making and clients confidence as well as many of the decisions that the bank makes. Managing liquidity risk in a commercial bank is not something new, yet scientific literature has not focused enough on different approaches to liquidity risk management and assessment. Furthermore, models, methodologies or policies of managing liquidity risk in a commercial bank have never been examined in detail either. The goal of this

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Kundid Novokmet, Ana, and Antonia Marinović. "Solvency and Liquidity Level Trade-off: Does it Exist in Croatian Banking Sector?" Scientific Annals of Economics and Business 63, no. 3 (2016): 429–40. http://dx.doi.org/10.1515/saeb-2016-0132.

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Abstract We focus on 32 Croatian banks in the period 2002-2010 in order to investigate the solvency-liquidity nexus. Dynamic panel data analysis is applied on two basic models in which current liquidity ratio and equity to assets ratio are set as dependent variables, interchangeably, and other explanatory variables employed to capture the effect of bank size, profitability and asset quality as well as macroeconomic environment. We found two-way positive relationship between bank solvency and liquidity. However, bank size plays an important role in the capital and liquidity management, and trad

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Rutkauskas, Aleksandras Vytautas, and Jelena Stankeviciene. "INTEGRATED ASSET AND LIABILITY PORTFOLIO AS INSTRUMENT OF LIQUIDITY MANAGEMENT IN THE COMMERCIAL BANK." Journal of Business Economics and Management 7, no. 2 (2006): 45–57. http://dx.doi.org/10.3846/16111699.2006.9636123.

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Liquidity, or the ability to fund increases in assets and meet obligations as they come due, is crucial to the ongoing viability of any banking organization. Therefore, managing liquidity is among the most important activities conducted by banks. Liquidity management model proposed by the authors can reduce the probability of serious problems. Indeed, the importance of liquidity transcends the individual bank, since a liquidity shortfall at a single institution can have system‐wide repercussions. For this reason, the analysis of liquidity requires bank management not only to measure the liquid

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Kajola, Sunday, Wasiu Sanyaolu, Abdul-Azeez Alao, and Ayorinde Babatolu. "Determinants of Liquidity Management: Evidence from Nigerian Banking Sector." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 3 (November 2021): 96–111. http://dx.doi.org/10.15688/ek.jvolsu.2021.3.9.

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The study examined the determinants of liquidity management in twelve Nigerian banks during 2009–2018. Liquidity ratio (LQR) and deposit to asset ratio (DAR) were used as surrogates for liquidity management. As the potential liquidity management determinant indicators, five bank-specific variables (capital adequacy, size, asset quality, profitability and deposit growth) and three macroeconomic variables (GDP growth rate, inflation rate and interest rate) were used as proxies. Results from balanced fixed effects least square regression analytical technique show that size, profitability, GDP gro

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Jaafar, Mohamad Nizam, Mohammad Firdaus Mohammad Hatta, Amirul Afif Muhamat, Norzita Abdul Karim, Ummul Athirah Fathihah Binti Mohd Idris, and Nur Qurratuain Mardhiah Binti Mohamad Zamri. "The Determinants of Bank’s Liquidity: Comparative Analysis From Global Islamic Banks and Conventional Banks." Information Management and Business Review 16, no. 3S(I)a (2024): 308–16. http://dx.doi.org/10.22610/imbr.v16i3s(i)a.4212.

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This study investigates the determinants of bank liquidity in both Islamic and Conventional banks across 15 countries, focusing on key variables such as profitability, capital adequacy, bank size, and credit risk. Utilizing data from 107 Islamic banks and 506 Conventional banks spanning from 2013 to 2022, the analysis reveals significant differences in liquidity management between the two banking systems. The Random Effect Model (REM) was employed based on the Hausman test results to ensure robustness. The findings indicate that profitability negatively impacts liquidity in Islamic banks, like

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Pokharel, Shiva Prasad. "Impact of liquidity on profitability in Nepalese Commercial Bank." Patan Pragya 5, no. 1 (2019): 180–87. http://dx.doi.org/10.3126/pragya.v5i1.30458.

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This study explores the influence of liquidity on the profitability in the Nepalese commercial banks. 5 commercial banks in Nepal; Agriculture Development Bank, Everest Bank, Prime Commercial Bank, Sunrise Bank and Citizens Bank International are randomly selected among 28 commercial banks of Nepal as a sample and analyzed for the current study over the period 2010/11 to 2016/17 AD. Since liquidity management can increase the bank’s profitability. the study has examined their liquidity management as well as profitability positions using various statistical and financial tools. The article indi

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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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Ben Jedidia, Khoutem. "Profit- and loss-sharing impact on Islamic bank liquidity in GCC countries." Journal of Islamic Accounting and Business Research 11, no. 9 (2020): 1791–806. http://dx.doi.org/10.1108/jiabr-10-2018-0157.

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Purpose The purpose of this paper is to empirically assess the impact of the principle of profit- and loss-sharing (PLS) on the exposure to liquidity risk of Islamic banks in Gulf Corporation Council (GCC) countries. The Islamic bank activity is distinguished by a PLS principle, which is likely to involve specificities in the bank liquidity issue. Design/methodology/approach This paper investigates the determinants of Islamic bank liquidity over the period 2005–2016 using a panel of 23 Islamic banks in GCC. The system of generalized method of moment estimators is applied. Findings The findings

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Chaudhury, Nazneen Jahan. "Impact of liquidity on banks’ productivity: A study on selected commercial banks in Bangladesh." IIUC Studies 15 (September 21, 2020): 59–71. http://dx.doi.org/10.3329/iiucs.v15i0.49345.

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Financial institutions are the directories responsible for allocating liquidity to its most productive uses. A bank’s liquid assets are significant not only for defending a bank against definite kinds of distresses but also increasing its productivity. This study analyzes the influence of liquidity on banks’ productivity throughout the time period 2007-2016. The study is curbed to five Commercial Banks enlisted under Stock Exchanges in Bangladesh. Here the researcher has taken only the secondary data into account. The outcomes of the study substantiate the hypothesis that Liquidity and Product

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Darst, Matt, Sotirios Kokas, Alexandros Kontonikas, José-Luis Peydró, and Alexandros Vardoulakis. "QE, Bank Liquidity Risk Management, and Non-Bank Funding: Evidence from U.S. Administrative Data." Finance and Economics Discussion Series, no. 2025-030 (April 2025): 1. https://doi.org/10.17016/feds.2025.030.

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We show that the effectiveness of unconventional monetary policy is limited by how banks adjust credit supply and manage liquidity risk in response to fragile non-bank funding. For identification, we use granular U.S. administrative data on deposit accounts and loan-level commitments, matched with bank-firm supervisory balance sheets. Quantitative easing increases bank fragility by triggering a large inflow of uninsured deposits from non-bank financial institutions. In response, banks that are more exposed to this fragility actively manage their liquidity risk by offering better rates to insur

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Karki, Dipendra. "The liquidity paradox in Nepalese banks." NCC Journal 6, no. 1 (2021): 57–69. http://dx.doi.org/10.3126/nccj.v6i1.57817.

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This study analyzes the influence of bank-specific and macroeconomic variables on liquidity in commercial banks in Nepal. Using pooled cross - sectional data from ten sample banks for the period 2011/12 to 2016/17, with sixty observations, the study employs a causal-comparative and descriptive research design as its methodology. The study concludes that bank-specific and macroeconomic variables significantly affect the liquidity in Nepalese banks, with different effects observed for public sector banks, joint ventures, and domestic private banks. This study finds that the capital adequacy rati

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Mdaghri, Anas Alaoui, and Lahsen Oubdi. "Bank-Specific and Macroeconomic Determinants of Bank Liquidity Creation: Evidence from MENA Countries." Journal of Central Banking Theory and Practice 11, no. 2 (2022): 55–76. http://dx.doi.org/10.2478/jcbtp-2022-0013.

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Abstract This study measures liquidity creation within a sample of 153 banks operating in 12 Middle Eastern and North African (MENA) countries from 2008 to 2017. We found that these banks created a total of $461.32 billion in liquidity in 2017, approximately 1.51 times the total liquidity created in 2008, mainly driven by commercial banks in Gulf Cooperation Council (GCC) countries. We also conducted an econometric analysis to investigate the internal and external factors affecting bank liquidity creation, applying a Fixed Effects model and the new Method of Moments Quantile Regression (MMQR).

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Nzotta, Samuel Mbadike, and Obiageri Eunice Atuonwu. "Assessing the Effect of Liquidity Management on the Performance Of Deposit Money Banks In Nigeria." Advances in Social Sciences Research Journal 7, no. 9 (2020): 193–227. http://dx.doi.org/10.14738/assrj.79.8580.

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This study examines the effect of liquidity management on bank’s performance in Nigeria from the period 1980-2017. The major aim of the study was to find empirical evidence of degree to which effective liquidity management affects bank performance and how to improve bank performance and liquidity position. The cointegration and error correction technique were produced from the ARDL technique of data analysis as well as Granger causality test was employed to investigate the relationship between liquidity management and banks’ performance. The study reveals that there is a long run relationship

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Sutandijo, Sutandijo, and Listya Sugiyarti. "UKURAN BANK, MANAJEMEN LABA, DAN STABILITAS KEUANGAN BANK." SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 5, no. 2 (2022): 310–20. http://dx.doi.org/10.37481/sjr.v5i2.466.

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This study aims to empirically test and analyze bank company size and earnings management on bank stability with liquidity, BHC (Bank Holding Company), SOE (State Owned Enterprise), and NEW (de novo bank) as control variables. The population in this study is national commercial banks consisting of private banks and state-owned banks registered with the Financial Services Authority (OJK) for the period 2011-2019. By using purposive sampling method, the number of bank companies that were sampled in this study were 57 bank companies with a total of 855 observations of financial statement data wit

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Umar, Muhammad, and Gang Sun. "Interaction among funding liquidity, liquidity creation and stock liquidity of banks." Journal of Financial Regulation and Compliance 24, no. 4 (2016): 430–52. http://dx.doi.org/10.1108/jfrc-11-2015-0062.

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Purpose This study aims to explore the relationship between three different kinds of bank liquidity: funding liquidity; liquidity creation; and stock liquidity. Design/methodology/approach It used the data from listed banks of BRICS countries spanning the period 2007-2014. Simultaneous equations model and three-stage least square estimation were used for analysis. Findings First of all, increase in liquidity creation is linked to decline in funding liquidity, but variation in funding liquidity does not describe changes in liquidity creation. Second, higher stock illiquidity is associated with

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Sahyouni, Ahmad, Mohammad A. A. Zaid, and Mohamed Adib. "Bank soundness and liquidity creation." EuroMed Journal of Business 16, no. 1 (2021): 86–107. http://dx.doi.org/10.1108/emjb-04-2019-0061.

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PurposeThe purpose of this paper is to investigate how much liquidity banks create and how liquidity creation changed over time in the MENA countries and to examine the soundness of banks in these countries based on the CAME rating system, in addition to investigating the relationship between CAME ratios and liquidity creation of these banks.Design/methodology/approachThe study regresses the CAME ratios together with other control variables to model liquidity creation. The robustness of the results is evaluated by using a different measure of liquidity creation and by excluding the observation

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Widyastuti, Shinta, and Cindy Mariani. "Restrukturisasi Kredit dan Kecukupan Modal: Apakah Mempengaruhi Likuiditas?" E-Jurnal Akuntansi 33, no. 6 (2023): 1462. http://dx.doi.org/10.24843/eja.2023.v33.i06.p03.

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The COVID-19 pandemic has caused the banking sector to become one of the sectors experiencing problems due to the increasing number of non-performing loans and a decrease in the capital adequacy ratio. The purpose of this study was to determine the effect of credit restructuring, the effect of capital adequacy on bank liquidity moderated by bank size. The population in this study are Conventional Commercial Banks and Sharia Commercial Banks registered with the Financial Services Authority (OJK). The sample technique used was purposive sampling method and obtained 61 banks as samples. The analy

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NIKOLCHUK, Yuliya, Kostiantyn SHVABII, and Vitaliy KASYANOV. "LIQUIDITY OF A COMMERCIAL BANK: THEORETICAL ASPECT." Herald of Khmelnytskyi National University. Economic sciences 320, no. 4 (2023): 86–94. http://dx.doi.org/10.31891/2307-5740-2023-320-4-12.

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The relevance of the research topic is justified by the fact that the liquidity of a commercial bank is the main basis for ensuring its financial stability and reliability. The bank’s liquidity is a guarantee of the normal functioning of the national banking system and a high level of trust in it on the part of the population and business entities. The article examines the approaches to defining the concept of “bank liquidity” existing in the scientific literature. To date, science has formed three approaches to determining bank liquidity, namely: as a bank’s ability to fulfill its obligations

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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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Sharma, Abhishek. "Bank Performance in Nepal: The Interplay of Bank-specific and Macroeconomic Metrics." Economic Review of Nepal 7, no. 1-2 (2024): 98–114. https://doi.org/10.3126/ern.v7i1-2.72767.

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The financial performance or profitability of any entity is closely linked to both internal and external factors. This study examines the determinants of profitability in Nepalese commercial banks, focusing on a sample of five banks from 2010/11 to 2020/21. Using multiple linear regression models, the analysis found negative significant impact of and non-performing loans and liquidity on bank performance. Both ROA and ROE exhibited significant positive relationship with financial development. Although GDP had a positive impact on bank performance, the relationship is statistically insignifican

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Rahma Dewi, Wulan. "Management of Risk Management on Banking Financial Performance." Jurnal Keuangan dan Perbankan (KEBAN) 1, no. 1 (2021): 52–64. http://dx.doi.org/10.30656/jkk.v1i1.3999.

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Risk management is very important for companies. The purpose of this study is to examine and analyze the impact of credit risk, market risk, operating efficiency, capital, and liquidity on bank financial performance. This research uses a quantitative research design. The data used in this study is based on private banks listed on the Indonesia Stock Exchange (IDX) for the next three years. The type of data is secondary data. Technical analysis using multiple linear regression. The results show that market risk and operating efficiency have a significant effect on the financial performance of t

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Alaoui Mdaghri, Anas, and Lahsen Oubdi. "Basel III liquidity regulatory framework and bank liquidity creation in MENA countries." Journal of Financial Regulation and Compliance 30, no. 2 (2021): 129–48. http://dx.doi.org/10.1108/jfrc-01-2021-0002.

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Purpose This paper aims to investigate the potential impact of the Basel III liquidity requirements, namely, the net stable funding ratio (NSFR) and the liquidity coverage ratio (LCR), on bank liquidity creation. Design/methodology/approach The authors developed a dynamic panel model using the Quasi-Maximum Likelihood estimation on an unbalanced panel dataset of 129 commercial banks operating in 10 Middle Eastern and North African (MENA) countries from 2009 to 2017. Findings The results show that the NSFR significantly negatively affects liquidity creation. Similarly, the LCR exerts a substant

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Sudarsono, Heri, Fajar Nurbani Aslam, Sarastri Mumpuni Rubha, and Indah Susantun. "Analisis Likuiditas Bank Umum Syariah di Indonesia." Jurnal Ilmiah Ekonomi Islam 8, no. 1 (2022): 508. http://dx.doi.org/10.29040/jiei.v8i1.4325.

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This study aims to determine the effect of capital adequacy (CAR), profitability (ROA), non-performing financing (NPF) and efficiency (BOPO) on liquidity (FDR) in Islamic commercial banks. The data for this research are Bank Central Asia (BCA) Syariah, Bank Bukopin Syariah, Bank Mega Syariah, Bank Maybank Syariah, and Bank Muamalat Indonesia in the period 2013-2018. Chow test and Hausman test were carried out to get the best panel model in this study. This study found that ROA and BOPO had a positive effect on liquidity, while CAR and NPF showed a negative effect on liquidity. The implication

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El-Chaarani, Hani, Rebecca Abraham, and Georges Azzi. "The Role of Liquidity Creation in Managing the COVID-19 Banking Crisis in Selected Mena Countries." International Journal of Financial Studies 11, no. 1 (2023): 39. http://dx.doi.org/10.3390/ijfs11010039.

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Banks are financial intermediaries who transform deposits into loans. Banks in the MENA (Middle East and North Africa) region use large deposits from oil companies and big businesses to finance trade, and fund government and private sector infrastructure projects. The role of banks in financing trade and development is significant as undeveloped capital markets are unable to perform this function. During the COVID-19 crisis, banks sustained liquidity shocks, as deposits were withdrawn to meet personal and business needs. Essentially, banks could not make loans, as the funds to make loans were

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GUPTA, Prof JAGRITI. "STUDY OF RISK MANAGEMENT IN BANKING SECTOR." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem32455.

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When it comes to the change of an economy, the function that financial institutions of a country perform is absolutely essential. The financial performance of a bank over the course of its history, as well as its capacity to manage risks such as market risk, credit risk, and liquidity risk, can be used to evaluate the progress that banking institutions have made. In the 1980s, the United States of America first implemented a supervisory framework model known as "CAMEL" in order to ascertain the overall state of the bank. It is possible for the model to serve as an efficient instrument for guid

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DEKY, DEKY ANWAR. "PENGARUH MANAJEMEN LIKUIDITAS TERHADAP KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI INDONESIA." I-Finance: a Research Journal on Islamic Finance 2, no. 1 (2016): 75–85. http://dx.doi.org/10.19109/ifinance.v2i1.1010.

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This study aims to determine whether there is influence liquidity management on the performance of the People's Financing Islamic Bank in Indonesia. Then determine how liquidity management influence on the performance of the People's Financing Islamic Bank in Indonesia. Variables used in this research consists of Capital Adequacy Ratio (CAR), which is a representation of liquidity Financing Islamic Bank in Indonesia and variable Return on Equity (ROE) as a representation of the performance of Financing Islamic Bank in Indonesia in the period of time during the 31 months from January 2014 to Ju

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Twairesh, Abdullah Ewayed, and Ismail Ibrahim Bata. "The influence of bank-specific variables on banks’ stability: Evidence from Saudi Arabia." International Journal of Applied Economics, Finance and Accounting 21, no. 2 (2025): 122–29. https://doi.org/10.33094/ijaefa.v21i2.2116.

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The goal of this study is to find out what makes Saudi Arabian banks unstable by using a panel data analysis with ten banks’ carefully chosen annual data from 2009 to 2022. Based on the fixed effect model, this study indicates that Saudi Arabian bank stability is unaffected by liquidity risk but is statistically and negatively impacted by credit risk and bank size. Conversely, capital adequacy and funding risk positively and statistically impact bank stability in Saudi Arabia. In light of these findings, we strongly recommend making capital adequacy requirements obligatory for bank management,

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Fatah, Naji Afrasyaw, and Journal of International University of Erbil Academic. "The Effect of Liquidity Risk Management on the Bank Performance: Evidence from Iraqi banks." Academic Journal of International University of Erbil 02, no. 02 (2025): 120–28. https://doi.org/10.5281/zenodo.15306315.

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The main objective of this paper is to study the effect of liquidity risk management on the profitability of commercial banks in Iraq during the time period (2020-2021). A descriptive survey design was adopted. The target is 4 private commercial banks listed on Iraqi Stock Exchange operating in Sulaymaniyah City. The liquidity indicator is the Liquidity Ratio while return on assets (ROA) were the proxy for profitability. Therefore, the dependent variable is bank performance which is measured by return on asset (ROA) and the independent variable is the Liquidity Ratio. The empirical results, sh

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Шира, Наталья, and Natalya Shira. "Commercial bank liquidity management as a component of its financial stability." Russian Journal of Management 3, no. 3 (2015): 261–69. http://dx.doi.org/10.12737/12078.

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The article describes the concept of commercial bank liquidity management. The algorithm for commercial bank liquidity management, with the help of which the bank has the ability to identify liquidity reduction objects, identify threats that have impact on banking institution liquidity,is offered. The ways of maintaining the bank liquidity, which include the introduction of new competitive products, improving credit and deposit policy, cooperation with insurance companies and the like, are determined.

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Andriani, Wiwik, Dedy Djefris, and Zahara Zahara. "From Data to Strategy: Analysis of Profitability, Tangibility, and Liquidity in Building Capital Structure of Islamic Banks in Indonesia." SJEE (Scientific Journals of Economic Education) 9, no. 1 (2025): 111. https://doi.org/10.33087/sjee.v9i1.212.

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This study investigates the impact of profitability, tangibility, and liquidity on the capital structure of Islamic banks in Indonesia from 2021 to 2023. Employing a quantitative approach, the research utilizes multiple linear regression analysis. The population consists of 13 Islamic commercial banks registered with the Financial Services Authority (OJK) during this period, with a purposive sampling method resulting in a sample of 12 banks. Data are gathered from secondary sources, specifically annual financial reports available on each bank's website. The findings reveal that while profitabi

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Maria Antony, Tisa. "Determinants of liquidity risk: Empirical evidence from Indian commercial banks." Banks and Bank Systems 18, no. 3 (2023): 101–11. http://dx.doi.org/10.21511/bbs.18(3).2023.09.

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Liquidity risk is a significant financial threat that must be handled carefully. Underestimation or mismanagement of liquidity risk may lead to severe financial losses or even bank failures. Therefore, timely and adequately estimating liquidity risk and examining factors that affect liquidity risk are essential. On that account, this paper aims to examine the determinants of liquidity risk for Indian commercial banks from 2013 to 2022. For this purpose, the study has employed a panel data regression model with pooled OLS, fixed effect, and random effect methods and has considered bank-specific

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Sari, Nurshadrina Kartika, Isti Fadah, and Hari Sukarno. "DETERMINAN STRUKTUR MODAL BANK." EKUITAS (Jurnal Ekonomi dan Keuangan) 17, no. 1 (2017): 71. http://dx.doi.org/10.24034/j25485024.y2013.v17.i1.2227.

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Banks are financial institutions how have an important part for the economy of a country. The bank’s main purposes are to collected funds from the public and distributed it back to them in credit loans. The biggest of public trusted to the bank, will make the bigger bank’s liabilities to their funds. This research examines determinants of bank capital structure, including profitability, liquidity, business risk, dividend, management ownership, institutional ownership and bank’s age. The samples in this research are 70 banks in Indonesian period 2006 until 2011, where analyzed with multiple lin

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Shrestha, Bismita. "Working Capital Management and Bank Performance of Nepalese Commercial Banks." Nepalese Journal of Finance 11, no. 4 (2024): 1–21. https://doi.org/10.3126/njf.v11i4.79766.

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This study examines the relationship between working capital management and bank performance of Nepalese commercial bank. Return on assets and return on equity are selected as the dependent variables. Similarly, working capital, bank size, leverage, liquidity ratio, capital adequacy ratio, non-performing loan, credit to deposit ratio and operational efficiency ratio are selected as the independent variables. This study is based on secondary data of 15 commercial banks with 105 observations for the study period from 2015/16 to 2021/22. The data were collected from Banking and Financial statisti

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Supiyadi*, Dedi, and Intan Novita. "The Effect of Firm Size, Credit Risk, Interest Rates, and Liquidity on Bank Profitability: Study on State-Owned Banks in Indonesia." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 13, no. 1 (2023): 33–44. http://dx.doi.org/10.34010/jika.v13i1.10374.

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This study aims to examine the effect of bank size, credit risk, interest rate and liquidity on profitability in state-owned banks listed on the IDX. In this study the authors used a random effects model on a balanced panel data set of all state-owned banks listed on the Indonesia Stock Exchange from 2013 to 2022, consisting of 81 Banks, from the entire research sample for 10 years obtained 50 observations. The results show that credit risk and liquidity have a negative effect on profitability, interest rates have a positive effect on profitability and firm size has no effect on profitability,

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

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

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