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Journal articles on the topic 'Mechanism for ensuring the profitability of the bank'

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Published: 28 May 2022

Last updated: 31 July 2025

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1

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

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

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L.Naranchimeg and B.Badrakh. "Money Laundering Affects on Bank Profitability." International Journal of Economics, Business and Management Research 06, no. 09 (2022): 274–81. http://dx.doi.org/10.51505/ijebmr.2022.6920.

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In 2019, Financial Action Task Force /FATF/ evaluated the implementation of the recommendations on anti-money laundering and terrorism, and placed Mongolia on the list of countries to be monitored or the "gray list", which not only caused a scandal in society and politics, but also affected the economy and foreign relations of Mongolia. As a result of cooperation between public and private sector organizations for the purpose of combating money laundering, at the FATF Asia-Pacific Anti-Money Laundering Group meeting held in August 2022, 39 out of 40 recommendations in Mongolia were evaluated a

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Posnaya, E. A., E. Yu Cherkashina, N. V. Yurchenko, and O. I. Ditsulenko. "Resource management mechanism of a commercial bank." Вестник Северо-Кавказского федерального университета, no. 5 (2024): 85–95. https://doi.org/10.37493/2307-907x.2024.5.9.

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Introduction. The main function of commercial banks in the economy is to help mobilize the savings of the population, directing them to the most effective use that increases the total amount of investment and the potential for economic growth. Thus, banks are one of the main structures for ensuring financial stabilization in the state and creating conditions for supporting macroeconomic growth. Goal. The study aims to propose an optimal mechanism for managing the resources of a commercial bank. Materials and methods. Objectively, necessary conditions for creating an effective banking system ar

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Eric, Nsiah Gyabaah*1 Emmanuel Opoku Marfo2 Kofi Owiredu-Ghorman3 &. Kwame Oduro Amoako4. "CORPORATE GOVERNANCE, FIRMS' PROFITABILITY AND SUSTAINABILITY IN RURAL COMMUNITY BANKS: EVIDENCE FROM GHANA." INTERNATIONAL JOURNAL OF RESEARCH SCIENCE & MANAGEMENT 5, no. 2 (2018): 15–26. https://doi.org/10.5281/zenodo.1168818.

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The paper examines the relationship between Corporate Governance mechanisms (compliance to sound corporate governance practices, board size, board members’ educational qualifications and bank’s reputation),and profitability and sustainability of Rural Community Banks (RCBs) in Ghana. Data was obtained from key stakeholders of the nineselected RCBs using questionnaire. The results of this study indicate that corporate governance mechanisms especially, board size, regulatory compliance and bank’s reputation have a significant effect on the RCBs profitability and sustainability.

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Riazanova, Natalia. "Organizational and financial mechanism for ensuring financial and economic security of the banking-system." Management and Entrepreneurship in Ukraine: the stages of formation and problems of development 2021, no. 2 (2021): 248–55. http://dx.doi.org/10.23939/smeu2021.02.248.

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an organizational and financial mechanism for ensuring the financial and economic security of a commercial bank is proposed, which, in real time and in situations that cannot be controlled using traditional methods, will minimize potential risks and change the internal institutional environment, positively affecting the financial and economic security of the country's banking system. It is shown that economic growth as a factor of national security is supported by the effective functioning of the banking system and the priority of long-term bank loans provided in the form of investments, which

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Orlova, E. V. "Mechanism and model of credit portfolio diversification." Issues of Risk Analysis 17, no. 1 (2020): 78–89. http://dx.doi.org/10.32686/1812-5220-2020-17-1-78-89.

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Under conditions of demand for credit resources growing in Russian economy the importance of credit risks assessment and their influence on the credit organizations efficiency is increased. Empirical studies show that credit risks in the banking today are increasing nonlinearly relative to the main characteristics of the credit — the level of credit risk, credit terms, interest rate. Therefore, the formation of the most acceptable from the point of view of risk reducing of the bank’s credit portfolio is a scientifically based and practically important problem. The aim of the work is to justify

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Scovia, Kyampeire. "Internal Control and Performance of Commercial Banks in Kampala, Uganda: A Case Study of UBA Bank, Kansanga-Kampala, Uganda." INOSR HUMANITIES AND SOCIAL SCIENCES 10, no. 1 (2024): 1–13. http://dx.doi.org/10.59298/inosrhss/2024/101.4.11300.

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This study explores the relationship between internal control mechanisms and the performance of commercial banks, focusing on UBA Bank located in Kansanga-Kampala, Uganda. The effectiveness of internal control systems is crucial for ensuring the stability and success of financial institutions, particularly in emerging economies like Uganda. By employing a case study methodology, data was collected through interviews, questionnaires, and document analysis to investigate the internal control practices implemented by UBA Bank and their impact on its performance indicators. The findings reveal a s

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Stepanenko, Sergii, and Alina Rychyk. "THEORETICAL FUNDAMENTALS OF BANKING CAPITAL FORMATION." Ukrainian Journal of Applied Economics 5, no. 3 (2020): 92–99. http://dx.doi.org/10.36887/2415-8453-2020-3-9.

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Introduction. Banks are an important component of the country's economy. Thanks to banks there is an accumulation, storage, redistribution of funds between participants of market relations. The efficiency of banks depends on the formation and use of bank capital. Bank capital is of local, regional and national importance – it ensures the profitability of an individual bank, affects the development of the region and the investment attractiveness of the country. The purpose of the research is to develop a theoretical and methodological basis for assessing the bank's capital, taking into account

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

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

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Braendle, Udo. "The impact of the European Banking Union’s Single Supervisory Mechanism on corporate governance practices in European banks." Banks and Bank Systems 13, no. 2 (2018): 164–77. http://dx.doi.org/10.21511/bbs.13(2).2018.14.

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Weak corporate governance in financial institutions has been a contributing factor of the financial crisis. The topic has, therefore, become the key priorities of banking supervision, because one of the takeaways was that. The article gives an overview about the newly established European Banking Union and about its structure focusing on the first pillar, the Single Supervisory Mechanism (SSM). In a second step, the focus is laid on the recent regulatory changes regarding corporate governance, the related supervisory practice and implications for European banks. Overall, the conducted changes

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Сотников and N. Sotnikov. "Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting." Management of the Personnel and Intellectual Resources in Russia 4, no. 3 (2015): 15–22. http://dx.doi.org/10.12737/12088.

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In modern conditions of one of cardinal problems of increasing of competitiveness of the Russian economy is the formation of strategic potential of the banking sector as most important element of financial branch. It is impossible to increase demand for the credits and profitability of banks in short terms against the worsening economic situation without the competitive monetary policy representing a component of economic policy of the state. The modern monetary policy in Russia is connected with change of a paradigm of development of the banking sector: from aspiration to ex

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Hladkykh, Dmytro. "Expected impact of the bankruptcy of leading foreign banks on the banking system of Ukraine." Scientific Papers NaUKMA. Economics 8, no. 1 (2023): 25–31. http://dx.doi.org/10.18523/2519-4739.2023.8.1.25-31.

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The purpose of the article is to study the problems associated with the possible unfolding of the banking crisis in the USA and European countries, the content of state regulatory measures aimed at ensuring the financial stability of Ukrainian banks, which will be implemented consecutively from February 2022, the justification of additional, most urgent measures aimed at overcoming existing problems in the country’s banking system. General scientific and special methods are used: analysis, synthesis, grouping, description, comparison, theoretical generalization and abstract-logical. In the cou

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Tuyu, Anjeli Raysa, Harijanto Sabijono, and Steven J. Tangkuman. "Prosedur anggaran biaya operasional sebagai alat pengendalian laba pada PT. Bank SULUT GO KCP Ranotana." Manajemen Bisnis dan Keuangan Korporat 3, no. 2 (2025): 339–51. https://doi.org/10.58784/mbkk.339.

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The banking sector is vital to a country's economic growth. Effective profit control is essential for improving profitability and ensuring business sustainability. The study will examine the procedures for preparing operating cost budgets as a tool for profit control at PT Bank SulutGo KCP Ranotana. We used a descriptive qualitative method, focusing on the budgeting process in relation to profit control mechanisms. The results indicate that: Budgets are prepared several months before the fiscal year begins to ensure readiness. Superiors prepare and communicate the budget for each period to emp

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IVASHCHENKO, Alla, Tetiana HORODETSKA, and Sofiia MELESHKEVICH. "Overview of the current state of consumer lending in commercial banks of Ukraine and its organizational and economic support." Economics. Finances. Law 12, no. - (2021): 22–28. http://dx.doi.org/10.37634/efp.2021.12.5.

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The paper gives the theoretical basis of the peculiarities of the process of consumer lending in commercial banks – defines the economic essence of consumer credit, its objects, tools, stages of implementation and mechanisms for repayment of credit debt. An overview of the current state and development of bank consumer lending in Ukraine is presented. An analysis of the dynamics of assets and loan portfolio of Ukrainian banks, namely: analysis of loans to individuals and analysis of the volume and share of consumer loans in the total loans to individuals in the loan portfolio and assets of ban

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Mohsin, AKM, and Hongzhen Lei. "A study on the impact of risk and competition on bank profitability in Bangladesh." North American Academic Research 2, no. 8 (2019): 1–40. https://doi.org/10.5281/zenodo.3359666.

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<strong><em>Abstract</em></strong> <em>Born in 1971, Bangladesh witnessed a phenomenal growth in banking industry since the liberalization policy was introduced in 1980s. Before the liberalization policy, there were only four domestic banks (Sonali Bank, Pubali Bank, Rupali Bank, and Janata Bank) in Bangladesh and they were nationalized. There were only three foreign banks.However, there was no private bank. As a result, there was no competition in the banking industry of Bangladesh. The banking market was highly concentrated and dominated by four nationalized banks. The profitability of banks

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Holland, Daniel S. "Integrating spatial management measures into traditional fishery management systems: the case of the Georges Bank multispecies groundfish fishery." ICES Journal of Marine Science 60, no. 5 (2003): 915–29. http://dx.doi.org/10.1016/s1054-3139(03)00097-3.

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Abstract Primary determinants of the productivity of most fisheries are the level of fishing mortality and the age structure of the catch. Constraints on nominal effort or catch and technical measures such as mesh sizes are typically the most effective methods of ensuring productivity and sustainability. Stock assessment models are generally well adapted to assess the biological implications (though less often the economic implications) of these measures. However, the increasing use of spatial management measures such as marine protected areas (MPAs) or seasonal area closures presents new chal

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CHERNYSHOV, M. О. "The relevance of financial security of the banking system of Ukraine in the conditions of sustainable development." Market Relations Development in Ukraine №5(264)2023 98 (July 13, 2023): 5–11. https://doi.org/10.5281/zenodo.8141662.

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The subject of the research is the theoretical and practical current aspects of the study of the financial security of the banking system of Ukraine in the conditions of sustainable development. The aim of the research is to determine the essence and main components of the financial security of the banking system of Ukraine. Research methods. When writing the article, general scientific and special research methods used in the diagnosis of the financial security of the banking sector were used. Results of the investigation. Because of writing the article, it was established that the banking se

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Tkalenko, Svitlana, Roksoliana Liubachivska, Yurii Onopriienko, Yaroslav Stetsyk, and Olena Petukhova. "CURRENT TRENDS IN BANKING ACTIVITIES IN THE EU: ASSESSMENT OF FACTORS IMPACTING PROFITABILITY." Financial and credit activity problems of theory and practice 2, no. 61 (2025): 11–23. https://doi.org/10.55643/fcaptp.2.61.2025.4677.

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The article examines current trends in banking activities within EU countries and their long-term impact on the banking sector. It focuses on the role of banks in the economic development of the EU at the present stage. The authors highlight the contribution of banks to economic growth through the mobilization and redistribution of financial resources. The study emphasizes that ensuring the stability and efficiency of the banking system in the EU is achieved through the harmonization and joint regulation of the financial market, which is a cornerstone of the European integration process. The i

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RUDA, Oksana. "BANKING ACTIVITY ON THE UKRAINIAN STOCK MARKET." "EСONOMY. FINANСES. MANAGEMENT: Topical issues of science and practical activity", no. 5 (45) (May 2019): 126–33. http://dx.doi.org/10.37128/2411-4413-2019-5-14.

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The theoretical bases of realization and development of banking activity in the stock market are generalized. The specifics of the operations of commercial banks in the stock market, as well as the directions of their activities, are considered. Banks in the securities market act as issuers, investors, and professional participants. Bank securities transactions in economically developed countries bring over 30% of revenue and are a priority investment destination. In Ukraine, the portfolio of securities generally has a small, compared to lending, share in the assets of the bank. However, the o

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Anar Məmmədov, Nicat Muradlı, Anar Məmmədov, Nicat Muradlı. "MANAGEMENT OF FINANCIAL FLOWS OF HOLDINGS." PAHTEI-Procedings of Azerbaijan High Technical Educational Institutions 26, no. 03 (2023): 306–16. http://dx.doi.org/10.36962/pahtei26032023-306.

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Holding companies operate quite widely in the West in almost all areas of the national economy: industry, construction, transport, trade, banking, etc. Due to their high viability, many modern organizations are gradually transforming into holdings headed by a special apparatus - the Board of Directors, which includes the heads of all subsidiaries and the main services of the parent organization, which also serves the holding as a whole and give the entire structure certain integrity. In practice, holding companies are created to ensure the necessary volumes of production of competitive product

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Zhylinskyi, Andriy I. "Evolution of the Role and Functions of Commercial Banks in the Economic System: A Theoretical and Historical Approach." Business Inform 6, no. 557 (2024): 323–31. http://dx.doi.org/10.32983/2222-4459-2024-6-323-331.

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The aim of the article is to deepen and develop the scientific foundations of the evolution of the functions and role of commercial banks in the economic system through the transformation of the essence of banking activities and the emergence of new financial instruments in historical retrospective. The article summarizes scientific approaches to describing the evolution of the functions of commercial banks in historical retrospective; the essence of the transformation of banking activity due to growing risks and competition in financial markets is disclosed; an extended list of functions of c

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LARIONOVA, K., and T. DONCHENKO. "ANALYSIS AND ASSESSMENT OF CREDIT RISK OF BANKS OF UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 278, no. 1 (2020): 233–40. https://doi.org/10.31891/2307-5740-2020-278-1-41.

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The negative consequences of the financial crisis, political instability, which significantly weakened the banking system of Ukraine, revealed the unwillingness of most banking institutions to promptly and adequately adjust credit policy to find the optimal balance between customer needs for credit resources, lending risks, liquidity requirements, collateral requirements credit funds of business entities with real assets, etc. The processes of internationalization and globalization in the financial market exacerbate the need to reassess the role and place of credit risk management of banking i

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ЗИЁДУЛЛАЕВ, С. М. "PROBLEMS OF REPAYMENT OF BANK LOANS IN UZBEKISTAN." Экономика и предпринимательство, no. 6(155) (August 2, 2023): 1441–45. http://dx.doi.org/10.34925/eip.2023.155.6.270.

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Следует отметить, что кредиты занимают наибольшую долю в активах коммерческих банков Республики Узбекистан. Поэтому обеспечение доходности кредитов является необходимым условием обеспечения доходности банковских активов. В статье рассматриваются актуальные проблемы, связанные с обеспечением доходности активов коммерческих банков Республики Узбекистан и разрабатываются научные предложения, направленные на их решение. It should be noted that loans occupy the largest share of assets of commercial banks of the Republic of Uzbekistan. Therefore, ensuring the profitability of loans is a necessary co

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Шералиев, Аббос. "CURRENT PROBLEMS ASSOCIATED WITH ENSURING THE PROFITABILITY OF THE COUNTRY'S COMMERCIAL BANK ASSETS." MODERN SCIENCE AND RESEARCH 3, no. 3 (2024): 373–77. https://doi.org/10.5281/zenodo.10819250.

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<em>Ensuring profitability of commercial banks' assets is one of the necessary conditions for ensuring their financial stability. Ensuring a stable level of return on assets plays an important role in ensuring a stable level of net profit. The article identifies current problems related to ensuring the profitability of commercial bank assets of the Republic of Uzbekistan and develops scientific proposals aimed at solving them.</em>

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:Kolade, Sunday Adesina, and Olurotim Ajibola. "Determinants of Bank Profitability: Panel Evidence on Bank-Specific Variables in Nigeria." Determinants of Bank Profitability: Panel Evidence on Bank-Specific Variables in Nigeria. 2, no. 2 (2013): 01–08. https://doi.org/10.5281/zenodo.3404590.

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This study investigated the impact of bank-specific variables on bank profitability in the Nigerian banking industry. In investigating the impact, a regression is used. Using an unbalanced panel data set comprising 65 observations of 15 banks over the 2006-2010 period, the regression results confirm and differ from some previous findings. The results reveal that bank capital adequacy, bank credit portfolio size, and bank credit risk are significant determinants of bank profitability in Nigeria. It also reveals that bank size, customers’ deposit, and management efficiency (measured by ope

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Moldashi, D. N. "Methods for identifying system tasks of strategic management and improving efficiency of exploration enterprise." Gornye nauki i tekhnologii = Mining Science and Technology (Russia) 5, no. 3 (2020): 266–84. http://dx.doi.org/10.17073/2500-0632-2020-3-266-284.

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A geological exploration company is a modern enterprise, possessing advanced techniques and carrying out full range of high quality exploration for all types of solid minerals in accordance with world standards, which is the center of competence in uranium geology, as well as provides its services in the field of exploration for solid minerals. To date, the tasks of ensuring replenishment of explored mineral reserves, increasing efficiency of their use, as well as increasing profitability and capitalization of enterprises of mining-and-processing industry remains relevant. To implement a set o

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Shashyna, Maryna, and Artem Nedzelskiy. "INTERCONNECTION OF THE ORGANIZATIONAL AND ECONOMIC MECHANISM OF ENSURING PROFITABILITY AND SUSTAINABLE DEVELOPMENT." Market economy: modern management theory and practice 21, no. 3(52) (2023): 294–304. http://dx.doi.org/10.18524/2413-9998.2022.3(52).275812.

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The article is devoted to examining of the relationship between the organizational and economic mechanism of ensuring profitability and sustainable development. The organizational and economic mechanism for ensuring profitability is critically important for the implementation of the company`s tactical and strategic goals. The modern economic system is characterized by the variability and dynamism of processes, which requires business entities to permanently search for reserves to improve their economic activities. In such conditions, it is extremely important for enterprises to organize the pr

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Yuliya, Sklyarova Igor Sklyarov Elena Lapina Svetlana Shamrina Tamara Skrebtsova. "FEATURES OF BANKING MANAGEMENT: A SET OF PRINCIPLES, TECHNOLOGIES AND METHODS." INDO AMERICAN JOURNAL OF PHARMACEUTICAL SCIENCES o6, no. 03 (2019): 5611–14. https://doi.org/10.5281/zenodo.2596651.

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<em>This article discusses current issues of banking management, which as a special area of liabilities management of a commercial bank, is a set of principles, technologies and methods of management of a credit institution in order to maintain its competitive position, increase profitability and profitability of an economic entity in compliance with its liquidity and reliability. Banking management in modern conditions is characterized by consistency, hierarchy, mobility and stability, efficiency and cost-effectiveness. Bank management is aimed at ensuring coordination of the objectives of a

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Hasanov, Fakhri, Nigar Bayramli, and Nayef Al-Musehel. "Bank-Specific and Macroeconomic Determinants of Bank Profitability: Evidence from an Oil-Dependent Economy." International Journal of Financial Studies 6, no. 3 (2018): 78. http://dx.doi.org/10.3390/ijfs6030078.

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This study investigated bank-specific and macroeconomic determinants of bank profitability in Azerbaijan, an oil-dependent economy in transition. A huge drop in oil prices, a significant devaluation of the national currency, and the financial distress were the main motivations of the study. We applied Panel Generalized Method of Moments to the data in the framework of dynamic model of the bank profitability. It was found that bank size, capital, and loans, as well as economic cycle, inflation expectation, and oil prices were positively related to the profitability, whereas deposits, liquidity

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Zachosova, Nataliia. "INNOVATIVE APPROACH IN THE ESTIMATOLOGY OF FINANCIAL INSTITUTIONS ECONOMIC SECURITY: POSSIBILITIES OF USE IN MANAGEMENT AND REGULATORY ACTIVITY WITHIN THE MEANS OF PROVISION OF THE STATE FINANCIAL SECURITY." Baltic Journal of Economic Studies 5, no. 2 (2019): 45. http://dx.doi.org/10.30525/2256-0742/2019-5-2-45-56.

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Ukraine’s integration into the European economic space requires the conformity of many segments of the domestic economic system to the standards, norms and traditions of the EU. The financial market and its participants form the financial basis for economic development, mediate the capital movement, make it possible to form a powerful investment resource and provide financial cooperation at the supranational level. However, domestic financial services markets are now destabilized; the volumes of assets used by their professional participants are significantly lower than the financial potential

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Bezuhlyi, O., V. Koliesnik, and A. Sokolenko. "The Organizational and Economic Mechanism of Ensuring the Effective Functioning and Development of Enterprises of the Agro-Industrial Complex of Ukraine." Economic Herald of the Donbas, no. 2 (72) (2023): 18–25. http://dx.doi.org/10.12958/1817-3772-2023-2(72)-18-25.

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In the article, due attention is paid to solving a set of tasks, the main of which are: revealing the essence of the organizational and economic mechanism of ensuring the profitability of agricultural enterprises and its connection with the economic mechanism of their functioning; elucidation of the main theoretical provisions regarding the formation of an organizational and economic mechanism for ensuring the profitability of agricultural enterprises; supplementing the methodological toolkit for analyzing the indicators of the formation and effective functioning of the organizational and econ

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Косарев, А. С., Е. М. Самсонова та К. А. Дерибина. "Совершенствование режима использования отдельного счёта в рамках государственного оборонного заказа". Vestnik of Volga State University of Technology Economics and Management, № 4(63) (21 лютого 2025): 75–83. https://doi.org/10.25686/2306-2800.2024.4.75.

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Введение. Отдельные положения нормативных правовых документов в сфере государственного оборонного заказа (далее – ГОЗ) существенно ограничивают возможности головных исполнителей, исполнителей заданий ГОЗ распоряжаться денежными средствами, находящимися на отдельных счетах в банке (далее – ОБС). Действующие подходы к осуществлению финансирования ГОЗ нацелены на обеспечение высокого уровня контроля за расходованием бюджетных денежных средств и прозрачности расчётов между контрагентами. Вместе с тем, текущие ограничения по движению денежных средств между ОБС создают высокие риски снижения финансо

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Elmahgop, Faiza Omer. "Evaluating the impact of COVID-19 on the profitability metrics of Saudi Arabian banks: A panel data analysis." Asian Journal of Economic Modelling 12, no. 1 (2024): 19–34. http://dx.doi.org/10.55493/5009.v12i1.4984.

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This study aims to evaluate the impact of the COVID-19 pandemic on the profitability of Saudi Arabian banks from Q1 2015 to Q2 2023. Using quantitative analysis of panel data from ten banks, the study assesses profitability through Return on Assets (ROA) and Return on Equity (ROE). Independent variables include bank-specific factors (Capital Ratios (CPTL), Operational Efficiency (OPEF), Deposits (DEP), Bank Size (SIZE)) and country-specific factors (Inflation (INF), Gross Domestic Product (GDP)), with the pandemic as a moderating factor. The findings reveal varied relationships between these v

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Zabin, Sakila, Manik Hossain, and Ayrin Sultana. "Impact of Non-Performing Loans on Bank Profitability: A Study of Rupali Bank PLC, Bangladesh." International Journal of Science and Business 42, no. 1 (2024): 159–74. http://dx.doi.org/10.58970/ijsb.2490.

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In this study, the profitability of Rupali Bank PLC, a state-owned commercial bank in Bangladesh, is examined in relation to non-performing loans (NPLs) during the years 2015–2022. The analysis uses secondary data sourced from the annual reports of Rupali Bank PLC. Linear regression analysis is employed to examine how NPLs impact key profitability indicators, specifically Return on Assets (ROA) and Return on Equity (ROE). The findings reveal a significant negative correlation between NPLs and profitability, with higher NPL ratios leading to a decline in both ROE and ROA. Specifically, NPLs acc

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Alam, Md Mahbub, and Wan Sallha Yusuf. "DETERMINANTS OF BANK-SPECIFIC, BANK-RISK AND BANK STABILITY OF THE BANGLADESHI CONVENTIONAL BANKS." International Journal of Entrepreneurship and Management Practices 7, no. 25 (2024): 53–66. http://dx.doi.org/10.35631/ijemp.725006.

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The primary objective of this research is to analyze the effect of bank-specific and risk determinants on conventional banks' z-scores in Bangladesh from 2011 to 2021. This study used panel linear regression and panel corrected standard error (PCSEs) to estimate the model. Capital adequacy, asset quality, income diversification, bank competition, managerial efficiency, and profitability (return on equity) are used as proxies for bank-specific and liquidity risk; Sensitivity to marketing risk is used as a proxy for bank risk, while the bank size is used as a control variable and Z-scores are us

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Ferreira, Candida. "Market competition and bank performance - empirical evidence from the European Union banking sector." International Journal of Economics and Financial Modelling 10, no. 1 (2025): 1–20. https://doi.org/10.55284/811.v10.i1.1360.

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The main aim of this paper is to empirically test the contribution of market competition to bank performance and the influence of the crises that affected the EU banking sector over the years 2006-2021. Using data sourced from the Moody’s Analytics BankFocus database, the paper presents the results obtained with panel fixed, random, and dynamic GMM estimations. Bank performance is proxied with two variables: bank profitability and bank capitalization. Bank profitability is measured with the return on equity ratio, and bank capitalization is represented with the equity to total assets ratio. Ba

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Alam, Md Mahbub, and Wan Sallha Yusuf. "THE EFFECT OF BANK-SPECIFIC AND BANK RISK ON BANK STABILITY AS MEASURED BY NPL OF THE BANGLADESHI COMMERCIAL BANK." Advanced International Journal of Business, Entrepreneurship and SMEs 6, no. 20 (2024): 44–58. http://dx.doi.org/10.35631/aijbes.620004.

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This paper analyzed the effects of bank-specific and bank-risk drivers on bank stability as measured by non-performing loans(NPL) of commercial banks in Bangladesh from 2011 to 2021.This study used panel linear regression, and panel corrected standard error (PCSEs) to estimate the model. The main objective of the study was to analysed the effects of bank specific and bank risk on bank stability of conventional banks in Bangladesh. Capital adequacy, asset quality, income diversification, bank competition, managerial efficiency, and profitability (ROE) are used as proxies for bank-specific and l

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Kvasnytska, Raisa, Inna Dotsenko, and Dmitrii Prystupa. "Formation of a Mechanism for Ensuring the Financial Security of the Bank." Modern Economics 25, no. 1 (2021): 73–78. http://dx.doi.org/10.31521/modecon.v25(2021)-11.

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Annotation. Introduction. The current situation in the market of banking services is due to the influence of internal and external factors that make the bank vulnerable to crises. The financial security of the bank is the key to its stable development, so its research is extremely important. The priority of ensuring the financial security of the bank necessitates a comprehensive approach by developing an appropriate mechanism to ensure the financial security of the bank, taking into account the impact of external and internal threats. Purpose. The purpose of the work is to develop elements of

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Zakariah, M. Askari, Fitri Kumala Sari, and Hamzulyana Hamzulyana. "Profitability Factors On Bank Muamalat Indonesia." Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 8, no. 1 (2020): 37–53. http://dx.doi.org/10.24952/masharif.v8i1.2587.

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AbstractIndonesian crisis on 1998 have affected to Bank condition. Bank Muamalat Indonesia (BMI) have Islamic principle on mechanism process such as profit sharing. This study aims to determine and analyze how much influence these factors have on Bank Muamalat Indonesia's profitability (ROA). Methodology of research by Multiple linear regression based on open data profitability, factors tested were financing to deposit ratio (FDR), non performing finance (NPF), and operational expenditure on operating income (BOPO). Result showed that formula R square is 0.99, analysis of variance significant,

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Justice Sunday, OGBARAGU,, and Dr (Mrs) T. N. Offor. "Taxation Policies and Profitability of Deposit Money Banks in Nigeria." International Journal of Research and Innovation in Social Science VIII, no. IX (2024): 2298–314. http://dx.doi.org/10.47772/ijriss.2024.8090189.

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This study investigated the effect of taxation policies on the profitability of deposit money banks in Nigeria. The ex-post facto research design was employed to assess the effects over the period 2013 to 2022. The sample size comprised five major Nigerian banks (Zenith Bank, Access Bank, UBA, FCMB, and Fidelity Bank) selected using a non-probability sampling technique. Data were sourced from published audited financial statements available on bank websites, the Nigerian Stock Exchange, and the Federal Inland Revenue Service. Variables included ROA as the dependent variable, and Corporate Inco

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Kudriavtseva, Alena S., and Olga G. Arkadeva. "MODELING THE INFLUENCE OF THE STRUCTURE AND QUALITY OF ASSETS ON THE PROFITABILITY OF A COMMERCIAL BANK." Oeconomia et Jus, no. 3 (September 30, 2021): 10–18. http://dx.doi.org/10.47026/2499-9636-2021-3-10-18.

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In modern conditions, the methods of classical economic analysis are not enough to solve the problem of bank stability. This requires the development of methods and tools to analyze the current situation in the bank and to develop sound management decisions aimed at ensuring the stability of the bank. The article notes that the analysis of the influence of the structure and quality of assets on the profitability of commercial banks is an important step for assessing the financial position and reliability of a bank, and a method is proposed for constructing a model of the dependence of bank’s p

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Neves, Maria Elisabete Duarte, Maria Do Castelo Gouveia, and Catarina Alexandra Neves Proença. "European Bank’s Performance and Efficiency." Journal of Risk and Financial Management 13, no. 4 (2020): 67. http://dx.doi.org/10.3390/jrfm13040067.

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The research interest in bank profitability and efficiency is linked to the economic situation and an important issue for policymakers is to ensure economic stability. Nevertheless, managerial decisions and the environment could play a critical role in ensuring proper and efficient allocation of the resources. The purpose of this study is to understand which are the main factors that can influence the performance and efficiency of 94 commercial listed banks from Eurozone countries through a dynamic evaluation, in the period between 2011 and 2016. To achieve this aim, the generalized method of

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Ifediba, Emmanvitalis Emeka, and Sebastian Chibunna Anumege. "RELATIONSHIP MARKETING AS A TOOL FOR GAINING COMPETITIVE EDGE AND PROFITABILITY IN THE BANKING INDUSTRY: AN EMPIRICAL ANALYSIS." Cognizance Journal of Multidisciplinary Studies 1, no. 6 (2021): 1–19. https://doi.org/10.47760/cognizance.2021.v01i06.001.

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<strong><em>This study was carried out to examine how relationship marketing servers as a tool for profitability in banking industry in Nigeria. This study investigated ten (10) commercial licensed banks which were chosen at random from different locations in Lagos State: Zenith Bank, First Bank, United Bank for Africa plc, Access Diamond, Sterling Bank, Heritage Bank, Polaris Bank, Wema Bank, Guarantee Trust Bank and First city monumental plc. The study employed primary data collected in ensuring that valuable data were obtained for the data analysis. A total number of one hundred and twenty

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Gao, Jingyu, and Yongqi Li. "Examination of the Mechanism of Fintech Empowerment in Commercial Banks Based on Text Mining." Highlights in Business, Economics and Management 16 (August 2, 2023): 18–28. http://dx.doi.org/10.54097/hbem.v16i.10528.

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Against the backdrop of financial technology empowering the transformation of commercial banks, this paper uses panel data from 38 commercial banks in China between 2012 and 2020, and constructs a financial technology index using text mining techniques, to investigate the mechanism of fintech empowerment in commercial banks. The study found a significant positive "U" -shaped relationship between the level of bank fintech and profitability. The results of the examination indicate that fintech has a stronger positive impact on the profitability of small and medium-sized local state-owned banks,

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Pavlović, Goran, Miloš Stojanović, Jasmina Gligorijević, Bojan Petrović, and Miodrag Šmelcerović. "HUMAN CAPITAL DYNAMICS: A CATALYST FOR BANK PROFITABILITY IN EMERGING MARKETS – A CASE STUDY OF SERBIA." SCIENCE International Journal 3, no. 3 (2024): 55–60. http://dx.doi.org/10.35120/sciencej0303055p.

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Human capital emerges as a crucial determinant of banks' profitability, particularly in the context of developing economies. Through strategic investments in the specific skills and competencies of employees, banks cultivate a distinct body of tacit knowledge exclusive to their workforce. This tacit knowledge contributes to long-term profitability and establishes a sustainable competitive advantage. This paper aims to investigate the impact of human capital on bank profitability within the dynamics of a developing economy. The research focuses on the banking sector of the Republic of Serbia, c

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Mohammad, Khalil Ullah, and Mohsin Raza Khan. "Liquid Asset Holdings and Banking Profitability: Evidence from South Asia." Journal of Central Banking Theory and Practice 13, no. 2 (2024): 129–52. http://dx.doi.org/10.2478/jcbtp-2024-0016.

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Abstract Ensuring liquidity is critical for the functioning of banks. This study investigates the functional form of bank profitability and liquid asset holdings. We test for an inverted Kuznets curve-shaped quadratic polynomial relationship using generalized least square regression on an unbalanced quarterly dataset of Islamic and conventional banks of South Asia from 2016 to 2021. The study finds that profitability and liquid asset holdings have a concave nonlinear relationship suggesting a profit-maximizing level of liquidity. However, Islamic banks are less nonlinear than conventional bank

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Emeka, Ifediba Emmanvitalis, and Anumege Sebastian Chibunna. "RELATIONSHIP MARKETING AS A TOOL FOR GAINING COMPETITIVE EDGE AND PROFITABILITY IN THE BANKING INDUSTRY: AN EMPIRICAL ANALYSIS." Cognizance Journal of Multidisciplinary Studies 1, no. 6 (2021): 1–19. http://dx.doi.org/10.47760/cognizance.2021.v01i06.001.

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This study was carried out to examine how relationship marketing servers as a tool for profitability in banking industry in Nigeria. This study investigated ten (10) commercial licensed banks which were chosen at random from different locations in Lagos State: Zenith Bank, First Bank, United Bank for Africa plc, Access Diamond, Sterling Bank, Heritage Bank, Polaris Bank, Wema Bank, Guarantee Trust Bank and First city monumental plc. The study employed primary data collected in ensuring that valuable data were obtained for the data analysis. A total number of one hundred and twenty (120) copies

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Abdul Aziz, Sumayyah, Lutfi Abdul Razak, Ly Y. Slesman, and Muhamad Abduh. "The Impact of Digital Financial Inclusion on Bank Profitability: Evidence from Developing Countries." Jurnal Manajemen Teori dan Terapan| Journal of Theory and Applied Management 17, no. 2 (2024): 203–15. http://dx.doi.org/10.20473/jmtt.v17i2.57508.

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Objective: This study aims to evaluate the impact of Digital Financial Inclusion (DFI) on the profitability of banks in developing countries, by constructing a novel comprehensive DFI index and employing dynamic panel analysis. Design/Methods/Approach: The research involves a sample of 111 banks across nine developing nations from 2016 to 2020. A new DFI index was constructed to encapsulate both the access and usage dimensions of DFI, along with demographic and geographical considerations, using Principal Component Analysis (PCA). The empirical framework adopted a dynamic panel model, applying

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Timin, Alexandr N., and Ekaterina S. Sapozhnikova. "PROBLEMS OF ENSURING INVESTMENT ACTIVITY AT AGRICULTURAL ENTERPRISES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/6, no. 120 (2021): 49–61. http://dx.doi.org/10.36871/ek.up.p.r.2021.12.06.007.

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The authors consider the issues of ensuring the necessary volume of investments of agricultural enterprises on the example of the Kirov region, the Volga Federal District and the Russian Federation as a whole. The ratio of the profitability of assets of agricultural enterprises and the average rate of bank loans required for the renewal of fixed assets is considered. Based on the analysis carried out, it is concluded that it is necessary to subsidize the rate on investment loans from the state, and an assessment of the amount of subsidies is carried out.

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Hani, Fathi, Ika Puji Saputri, and Vely Randyantini. "Capital Adequacy, Credit Risk, and Efficiency in Islamic Bank Profitability." Involvement International Journal of Business 2, no. 2 (2025): 120–30. https://doi.org/10.62569/iijb.v2i2.116.

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Islamic commercial banks have gained prominence in Indonesia’s financial system, yet their profitability still lags behind conventional banks. Understanding the financial determinants that influence the profitability of these institutions is critical for improving their competitiveness and ensuring sustainable growth. This study investigates the effects of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Costs to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on bank profitability, measured by Return on Assets (ROA). This research adopted a quantitative ap

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