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Journal articles on the topic 'Policy of bank'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Ngumar, Sutjipto. "BANKING COMPETITION POLICY." EKUITAS (Jurnal Ekonomi dan Keuangan) 1, no. 1 (2016): 45. http://dx.doi.org/10.24034/j25485024.y1997.v1.i1.1847.

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Dalam upaya memberikan pembiayaan pada sektor–sektor usaha masyarakat, peme-rintah melaksanakan kebijaksanaan deregulasi, dengan dikeluarkannya Paket Oktober 1988 ( Pakto 1988 ). Paper ini disajikan untuk menilai sampai seberapa jauh kebijak-sanaan tanggal 28 Oktober 1988 tersebut mempengaruhi perkembangan usaha pelaku ekonomi baik pemerintah, dunia usaha dan masyarakat. Dalam upaya menghimpun dana masyarakat bank tidak sekedar menawarkan bunga yang menarik, tetapi ditambah dengan tabungan berhadiah, deposito berhadiah dan sebagainya. Upaya bank tersebut menimbulkan persaingan yang sangat taja

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2

Fawzi Shubita, Mohammad, Faez Hlail Srayyih, Sinan Abdullah Harjan, Dua’a Shubita, and Nahed Habis Alrawashedh. "The relationship between dividend policy and bank size: Evidence from Jordan." Banks and Bank Systems 19, no. 4 (2024): 112–23. https://doi.org/10.21511/bbs.19(4).2024.09.

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The growing need to comprehend how dividend policy affects bank size, particularly in emerging markets like Jordan, makes this study relevant. Bank size, often measured by total assets, is a key indicator of financial strength and stability. This study aims to examine the relationship between various measures of dividend policy – dividend per share, dividend yield, and dividend per share to earnings per share ratio – and bank size in Jordanian banks, using earnings per share as a control variable.The study employs ordinary least squares regression analysis to investigate the relationship betwe

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3

Nuzhuliya Mega Avifa, Samsul Arifin, and Ida Farida. "The Impact of Central Bank Policy on Aspects of Bank Sharia Financial Behavior in the Money Market." Al-Fadilah: Islamic Economics Journal 2, no. 1 (2024): 52–60. http://dx.doi.org/10.61166/fadilah.v2i1.19.

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Central bank policy has an important role in influencing the behavior of banks in the money market. This is important because banking movements can affect market stability and the economy as a whole. Therefore, analysis of the impact of central bank policy on bank behavior is very important to expand understanding of how monetary policy can influence the actions of banks participating in money markets. The research results show that central bank policies such as changes in interest rates, mandatory reserve policies, and market intervention have a significant impact on bank behavior. Interest r

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Wang, Cong, and Lihuan Zhuang. "Bank liquidity and the risk-taking channel of monetary policy: An empirical study of the banking system in China." PLOS ONE 17, no. 12 (2022): e0279506. http://dx.doi.org/10.1371/journal.pone.0279506.

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This paper addresses the impact of bank liquidity on risk-taking behaviour of Chinese banks, and provides evidence for a risk-taking channel of monetary policy operating through bank liquidity. By using bank-level panel data from 123 Chinese commercial banks during 2003–2018, it is found that banks facing lower liquidity risk will be encouraged to take more risk. Moreover, loose monetary policy leads to more aggressive risk-taking by reducing the bank liquidity risk, namely a liquidity risk-taking channel of monetary policy. These findings suggest that authorities should give full consideratio

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Malla, Dipendra. "Impact of Monetary Policy Instruments on Profitability: A Case of Nepalese Commercial Banks." Apex Journal of Business and Management 4, no. 1 (2025): 107–21. https://doi.org/10.61274/apxc.2025.v04i01.009.

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This study examines the impact of monetary policy instruments on the profitability of Nepalese commercial banks from 2013 to 2022. It analyzes the relationship between bank profitability and monetary policy tools such as money supply, treasury bill investments, interest rates, cash reserve ratio (CRR), statutory liquidity ratio (SLR), and bank rate. The study uses a descriptive and correlational research design based on secondary data from twenty Nepalese commercial banks. Data were collected from Nepal Rastra Bank reports and annual bank reports. Descriptive statistics, correlation analysis,

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6

Dang, Van Dan. "The Impact of Monetary Policy on Bank Profitability and the Moderating Role of Funding Patterns in Vietnam." Jurnal Institutions and Economies 14, no. 1 (2022): 109–34. http://dx.doi.org/10.22452/ijie.vol14no1.5.

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The study investigates the effect of monetary policy on bank profitability while also taking into account the moderating role of bank funding patterns. Uniquely, the study focuses on disaggregate components of bank profits in an environment containing various monetary policy tools. Using a dataset of commercial banks in Vietnam, the results show that monetary policy drives bank profitability asymmetrically. Concretely, interest rates (i.e., lending rates and policy rates) exert positive effects on net interest income, but negative impacts on non-interest income. For quantitative-based policy t

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Kabak, Hande. "Alternative Analysis of Bank Lending Channel in Turkey After 2010." Ekonomik Yaklasim 34, no. 127 (2023): 109. http://dx.doi.org/10.5455/ey.27003.

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Traditional bank lending channel in the monetary transmission explains the relationship between monetary policies of Central Banks and the bank lending behavior. In this article, the existence of traditional bank lending channel and an alternative analysis of bank lending in the monetary transmission of Turkey is investigated between 2011 and 2018 using bank level data and GMM method. Additionally, we indicate whether the reaction of banks differ according to their bank specific caharacteristics. Asset quality, capital adequacy, liquidity ratio, asset size and profitability rates are used as b

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8

Sikiru O, Ashamu,. "Bank Lending and Monetary Policy: Evidence from Deposit Money Banks (DMBs) in Nigeria." American Finance & Banking Review 2, no. 1 (2018): 1–9. http://dx.doi.org/10.46281/amfbr.v2i1.126.

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Monetary policy is aimed at attaining price stability, full employment and moderate long-term interest rates in the economy based on regulatory authority priorities, prevailing economic and financial conditions. Using annualized time series data from DMBs in Nigeria and the Vector Error Correction Model (VECM) as well as the simulates generalized impulse response functions, this study assessed the dynamic interactions between bank lending and monetary policy by observing how banks’ lending patterns are influenced by changes in monetary policy over the years in Nigeria.The result revealed that

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9

H. Ibrahim, Mansor. "THE BANK LENDING CHANNEL OF MONETARY POLICY TRANSMISSION IN A DUAL BANKING SYSTEM." Journal of Islamic Monetary Economics and Finance 2, no. 2 (2017): 193–220. http://dx.doi.org/10.21098/jimf.v2i2.656.

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This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks an

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10

Fawzi Shubita, Mohammad. "The relationship between dividend policy and bank growth." Banks and Bank Systems 16, no. 4 (2021): 218–28. http://dx.doi.org/10.21511/bbs.16(4).2021.18.

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The purpose of this study is to investigate the association between bank growth and the retained earnings amount for Jordanian banks between 2010 and 2020. The method to be used is regression models. Bank growth is measured using the change in total assets; income retention is measured by subtracting dividends from earnings per share and by deducting dividend per share from the operating cash flow on the accrual basis and cash basis. In addition, another specification will be used to the association between the growth of a bank’s total assets and income retention using the percentage change in

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11

Zhabina, Svetlana. "Econometric Analysis of Bank Lending Channel Efficiency in Russia." Moscow University Economics Bulletin 2017, no. 3 (2017): 61–79. http://dx.doi.org/10.38050/01300105201734.

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The paper investigates the relationship between monetary policy indicator and bank lending in Russia using dynamic panel regressions and quarterly banks’ balance sheets data for the period of 2010- 2016. The main purpose of the paper is to identify bank characteristics, which determine the reaction of bank lending to monetary policy shocks. The results support the existence of a bank lending channel of monetary transmission. The extent to which banks change lending in response to monetary policy changes depends on banks’ liquidity, size and refinancing from the central bank.

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12

Ali Maram, Mohammed. "Measuring the Impact of Monetary Policy on the Efficiency of Sudanese Islamic Banks." International Journal on Recent Trends in Business and Tourism 08, no. 01 (2024): 41–53. http://dx.doi.org/10.31674/ijrtbt.2024.v08i01.004.

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This study explores the influence of monetary policy on the efficiency of Sudanese Islamic Banks. It aims to determine the impact of monetary policy on bank efficiency, identify influential aspects, and provide recommendations for policy adjustments. The research uses both qualitative and quantitative methods, collecting primary data through surveys and interviews with bank executives and policymakers, and secondary data from bank financial reports and central bank policy documents. The findings reveal a significant relationship between monetary policy and bank efficiency, with specific aspect

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13

Agung, Juda. "FINANCIAL DEREGULATION AND THE BANK LENDING CHANNEL IN DEVELOPING COUNTRIES: THE CASE OF INDONESIA." Buletin Ekonomi Moneter dan Perbankan 3, no. 1 (2003): 121–45. http://dx.doi.org/10.21098/bemp.v3i1.290.

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The dominant role of commercial banks as a source of finance and the considerable asymmetry of information in financial markets in developing countries have raised an argument that the bank lending channel of monetary transmission mechanism would be very important in such countries. This study addresses the issue by investigating empirically whether there are differential effects of monetary policy on banks’ balance sheets, and its implications to the existence of the bank lending channel of monetary policy in Indonesia, especially since the early 1980s when the government adopted a policy of

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14

Hopt, Klaus J. "Corporate Governance of Banks and Financial Institutions: Economic Theory, Supervisory Practice, Evidence and Policy." European Business Organization Law Review 22, no. 1 (2021): 13–37. http://dx.doi.org/10.1007/s40804-020-00201-z.

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AbstractBanks are special, and so is the corporate governance of banks and other financial institutions. Empirical evidence, mostly gathered after the financial crisis, confirms this. Banks practicing good corporate governance in the traditional, shareholder-oriented style fared less well than banks having less shareholder-prone boards and less shareholder influence. The special governance of banks and other financial institutions is firmly embedded in bank supervisory law and regulation. Most recently there has been intense discussion on the purpose of (non-bank) corporations. For banks stake

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15

Mohapatra, Amiya Kumar, and Srirang Jha. "Bank Recapitalization in India: A Critique of Public Policy Concerns." FIIB Business Review 7, no. 1 (2018): 10–15. http://dx.doi.org/10.1177/2319714518766113.

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Public sector banks in India have always been viewed as vehicles of economic and social development. These institutions reach out to people of all sections across the country and offer banking services even if they have to compromise on profitability. Most of the social schemes for poverty alleviations, livelihood, skill development, financial inclusion, etc., are channelized through public sector banks. However, their capability is severely limited due to burgeoning non-performing assets. Considering the importance of public sector banks for the economy of the country, the government often re

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16

Spiegel, Mark M. "The Bank Lending Channel Is Back." Federal Reserve Bank of San Francisco, Working Paper Series 2025, no. 04 (2025): 01–29. https://doi.org/10.24148/wp2025-04.

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The period following the global financial crisis was marked by low interest rates and low responsiveness of bank lending to monetary policy. This led some to conclude that the bank lending channel for monetary policy to influence economic activity had weakened. This paper revisits the responsiveness of the bank lending channel using a bank-level panel of US Call Report data and updated measures of U.S. monetary policy shocks. Results indicate that the efficacy of the bank lending channel increased over our sample period. We find tepid responses in bank lending to monetary shocks from 2012H1 th

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17

Shokr, Mohamed Aseel. "Real interest rate, income and bank loans: panel evidence from Egypt." Journal of Financial Economic Policy 12, no. 2 (2019): 227–43. http://dx.doi.org/10.1108/jfep-09-2018-0140.

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Purpose This paper aims to examine the effectiveness of monetary policy on bank loans in Egypt using generalized method of moments (GMM) model. Also, it investigates the impact of bank level variables, namely, total assets, liquidity, capital and income on bank loans. It develops the equation of loans, which is introduced by Ehrmann et al. (2002) using bank level variables such as income and the interaction between income and interest rate. Design/methodology/approach This paper examines the impact of monetary policy shocks on bank loans in Egypt by applying the GMM technique and panel data fr

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18

Beernaert, Tom, Nicolas Soenen, and Rudi Vander Vennet. "ECB Monetary Policy and the Term Structure of Bank Default Risk." Journal of Risk and Financial Management 16, no. 12 (2023): 507. http://dx.doi.org/10.3390/jrfm16120507.

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Euro Area banks have been confronted with unprecedented monetary policy actions by the ECB. Monetary policy may affect bank risk profiles, but the consequences may differ for short-term risk versus long-term or structural bank risk. We empirically investigated the association between the ECB’s monetary policy stance and market-perceived short-term and long-term bank risk, using the term structure of default risk captured by bank CDS spreads. The results demonstrated that, during the period 2009–2020, ECB expansionary monetary policy diminished bank default risk in the short term. However, we d

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19

ÖZŞUCA, Ekin Ayşe. "Revisiting the bank lending channel in Turkey under the unconventional monetary policy framework." Business & Management Studies: An International Journal 10, no. 3 (2022): 1011–21. http://dx.doi.org/10.15295/bmij.v10i3.2099.

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This paper provides empirical evidence regarding the bank lending channel under Turkey's unconventional monetary policy framework. Towards this end, the impact of changes in monetary policy stance on bank credit growth is investigated using a dynamic panel data modelling approach between 2011 and 2019. The empirical results reveal cross-sectional heterogeneity in the loan supply of Turkish banks following a change in monetary policy, which implies an operative bank lending channel in the post-2010 period of the policy mix. Small, liquidity-constrained, and inadequately capitalized banks tend t

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20

Severe, Sean. "An empirical analysis of bank concentration and monetary policy effectiveness." Journal of Financial Economic Policy 8, no. 2 (2016): 163–82. http://dx.doi.org/10.1108/jfep-08-2015-0045.

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Purpose Substantial research has been conducted on the direct effects of banking competition or lack thereof. However, little work has investigated how the market structure of banks can affect the transmission of monetary policy. The purpose of this paper is to investigate to what degree bank concentration dampens or enhances the response of manufacturing to monetary policy changes. Design/methodology/approach To test how back concentration affects the transmission of monetary policy onto manufacturing value-added, the author regresses real value-added in manufacturing on bank concentration, m

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Andryushin, S., and V. Kuznetsova. "Monetary Policy of Central Banks during Global Financial Crisis." Voprosy Ekonomiki, no. 6 (June 20, 2010): 69–87. http://dx.doi.org/10.32609/0042-8736-2010-6-69-87.

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The paper analyzes different regimes of monetary policy, which central banks realized in normal macroeconomic conditions, summarizes their pluses and minuses. During the global financial crisis central banks had to conduct unconventional measures of monetary policy. Their realization has changed the structure and values of central banks balance sheets that is shown on the example of statistical data of FRS, Bank of England, ECB, Bundesbank, Bank of Japan, Peoples Bank of China.

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Kasana, E., K. Chauhan, and B. P. Sahoo. "Impact of monetary policy on bank loans in India." Finance: Theory and Practice 27, no. 3 (2023): 56–64. http://dx.doi.org/10.26794/2587-5671-2023-27-3-56-64.

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This research paper aims to investigate the monetary transmission in India through bank lending channel, to know whether a change in monetary policy affects bank loans or not. A balanced panel data of 50 commercial banks covering a timeframe of 11 years from 2009 to 2020 has been undertaken for the research methodology. The outcomes of the dynamic panel have been considered by using the Generalized Method of Moment developed by Arellano Bond Blundell and Bover estimator. The result indicates that channel of bank lending has improved banks’ resilience to monetary shocks. This paper finds the si

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Siregar, Erwin Saputra, and Sissah Sissah. "ANALISIS DAMPAK KEBIJAKAN MERGER DALAM PENGEMBANGAN BANK SYARIAH DI INDONESIA." Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) 5, no. 1 (2021): 16–24. http://dx.doi.org/10.52490/jeskape.v5i1.1136.

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This study aims to analyze the impact of the merger policy on the progress of Islamic banks. The slow progress of Islamic banks in Indonesia makes experts think of a policy so that Islamic banks can develop rapidly. This type of research is library research, which is a series of activities that focus more on the methods of collecting library data, reading, taking notes and analyzing research materials. This type of research uses qualitative methods. The nature of this research is descriptive analysis, which is to systematically explain the data obtained as they are and be analyzed in depth. Th

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Bletsas, Konstantinos, Georgios Oikonomou, Minas Panagiotidis, and Eleftherios Spyromitros. "Carbon Dioxide and Greenhouse Gas Emissions: The Role of Monetary Policy, Fiscal Policy, and Institutional Quality." Energies 15, no. 13 (2022): 4733. http://dx.doi.org/10.3390/en15134733.

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Environmental control remains a salient aspect of states’ policies in the present decade. To reduce emissions, governments and central banks tend to adopt various strategies. The present research quantifies the nexus between fiscal and monetary policy, institutions’ quality, central bank characteristics, and carbon dioxide and greenhouse gas emissions. Data has been sourced from 95 countries during the period from 1998 to 2019. According to the empirical results, the main determinants of gas emissions in developing countries are economic growth, government expenses, and central bank independen

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Judson, Ruth A., and Elizabeth Klee. "Big bank, small bank: Monetary policy implementation and banks’ reserve management strategies." Journal of Economics and Business 63, no. 4 (2011): 306–28. http://dx.doi.org/10.1016/j.jeconbus.2011.01.005.

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26

Malla, D. "Impact of Monetary Policy Instruments on Profitability: A Case of Nepalese Commercial Banks." Apex Journal of Business and Management (AJBM) 4, no. 1 (2025): 107–21. https://doi.org/10.5281/zenodo.14992856.

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This study examines the impact of monetary policy instruments on the profitability of Nepalese commercial banks from 2013 to 2022. It analyzes the relationship between bank profitability and monetary policy tools such as money supply, treasury bill investments, interest rates, cash reserve ratio (CRR), statutory liquidity ratio (SLR), and bank rate. The study uses a descriptive and correlational research design based on secondary data from twenty Nepalese commercial banks. Data were collected from Nepal Rastra Bank reports and annual bank reports. Descriptive statistics, correlation analysis,

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27

Shokr, Mohamed Aseel, Zulkefly Abdul Karim, Mansor Jusoh, and Mohd Azlan Shah Shah Zaidi. "The Bank Lending Channel of Monetary Policy? The Panel Evidence from Egypt." Gadjah Mada International Journal of Business 16, no. 3 (2014): 255. http://dx.doi.org/10.22146/gamaijb.5659.

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This paper examines the relevance of the bank lending channel of monetary policy in Egypt using bank-level data. Previous empirical studies in Egypt that used macro-level data have not supported the relevance of the bank lending channel. However, using a sample of 32 commercial banks for the period from 1998 until 2011 and a dynamic panel GMM technique, the empirical findings revealed the relevance of the bank lending channel of monetary policy in Egypt. Moreover, there is a heterogeneity effect of monetary policy on bank loans according to bank size, in which the small banks are more affected

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NGUYỄN PHÚC, CẢNH, ANH NGUYỄN QUỐC, and QUÂN NGUYỄN HỒNG. "Effects of Bank Characteristics on Transmission of Monetary Policy Through Bank Lending Channel in Vietnam." Journal of Asian Business and Economic Studies 219 (January 1, 2014): 49–65. http://dx.doi.org/10.24311/jabes/2014.219.1.02.

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Credits from commercial banks influence various economic components, such as investment and consumption of durables and changes in monetary policy and therefore, affect the economy through supply of credits by commercial banks. This paper explores transmission of monetary policy through commercial bank lending channel in Vietnam in 2003-2012 by examining reaction of each bank to changes in monetary policy. Authors use the GMM (generalized method of moments) for panel data gathered from financial statements of commercial banks in 2003-2012. Results show that GMM helps detect the existence of ba

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Ngotran, Duong. "Interest on reserves, helicopter money and new monetary policy." PLOS ONE 16, no. 7 (2021): e0253956. http://dx.doi.org/10.1371/journal.pone.0253956.

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We build a nonlinear dynamic model with currency, demand deposits and bank reserves. Monetary base is controlled by central bank, while money supply is determined by the interactions between central bank, commercial banks and public. In economic crises when banks cut loans, monetary policy following a Taylor rule is not efficient. Negative interest on reserves or forward guidance is effective, but deflation is still likely to be persistent. If central bank simultaneously targets both interest rate and money supply by a Taylor rule and a Friedman’s k-percent rule, inflation and output are stabi

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Kohlhas, Alexandre N. "Learning by Sharing: Monetary Policy and Common Knowledge." American Economic Journal: Macroeconomics 14, no. 3 (2022): 324–64. http://dx.doi.org/10.1257/mac.20190311.

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A common view states that central bank releases decrease central banks' own information about the economy and are harmful if about inefficient disturbances, such as cost-push shocks. This paper shows how neither is true in a microfounded macroeconomic model in which households and firms learn from central bank releases and the central bank learns from the observation of firm prices. Central bank releases make private sector and central bank expectations closer to common knowledge. This helps transmit dispersed information between the private sector and the central bank. As a result, the releas

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Kullab, Yarob, Nabil Messabia, Issam Altaweel, and Mohammed Shehada. "Determinants of dividend policy in Palestinian banks." Accounting 8, no. 3 (2022): 375–84. http://dx.doi.org/10.5267/j.ac.2021.9.002.

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This study aims to examine whether the dividend theories that were principally developed for non-financial companies in developed institutional environments can explain the dividend policies of banks in Palestine, an emerging market with a high level of uncertainty. It also aims to determine the main factors affecting the banks’ propensity to pay dividends and the banks’ dividend payout ratios. The study uses pooled Probit and ordinary least squares regressions to analyze 10 years of data from all listed banks in the Palestine Stock Exchange Market. The results indicate that agency cost, signa

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KHALIL, ULLAH MOHAMMAD, and RAZA KHAN MOHSIN. "EFFECTIVENESS OF GREEN PROJECT SCREENING FOR BANK LENDING: EVIDENCE FROM PAKISTAN." Bulletin of Business and Economics (BBE) 11, no. 1 (2022): 93–103. https://doi.org/10.5281/zenodo.6361352.

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The banking sector is under huge pressure from its different shareholders to carry out its business in ethical ways. Globally greening banking policies are being introduced to encourage green lending. Central bank regulation and policy guidelines positively impact the bankers’ intention to adopt green banking.   This study investigates the impact of green banking policy on the lending of Pakistani banks.  Using an unbalanced panel of bank-level quarterly data of listed banks in the PSX from 2016 to 2021, a System Generalized Method of Moments (GMM) analysis is carried out.

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Shareef, Ameen Omar, and K. P. Prabheesh. "DOES INTERNATIONAL MONETARY POLICY INFLUENCE THE BANK RISK? EVIDENCE FROM INDIA." Buletin Ekonomi Moneter dan Perbankan 25, no. 2 (2022): 135–54. http://dx.doi.org/10.21098/bemp.v25i2.1867.

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This study empirically examines the impact of international monetary policy on bank risk in the Indian context. Using annual data from 64 banks and employing panel OLS and GMM techniques, this study finds that: (1) a contractionary international monetary policy increases bank risk; (2) an appreciation of the domestic exchange rate induces bank riskiness; (3) the domestic monetary policy affects bank risk through the “search for yield” channel; and (4) the international monetary policy is relatively significant in explaining the bank riskiness in the post-global financial crisis period.

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Sani, Damamisau Mohammed, Ibrahim Mohammed Ahmed, and Garba Sunusi. "Credit Facility and Financial Inclusion and Development: An Evaluation of the Contribution of Jaiz Bank Plc 2013-2023." Journal of Economics, Finance And Management Studies 08, no. 04 (2025): 2251–65. https://doi.org/10.5281/zenodo.15234041.

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The main aim of this study is to evaluate the contributions of Jaiz bank in granting of loan facilities to interested and qualified Nigerian citizens in the banking system 2013-2023. To achieve this aim, quantitative secondary data on loan granted by Jaiz bank Plc and thirteen interest based commercial banks is collected from their annual reports and accounts. Collected data is analyzed using descriptive statistical tools of percentages, tables, charts and figures. Public policy analytical framework that aid in finding the usefulness or otherwise of public policies guided the conduct of the st

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Agwu, Ejem, Chukwu, and Ogbonna, Udochukwu Godfrey. "Response of Deposit Money Banks to Monetary Policy Dynamics in Nigeria." Applied Economics and Finance 7, no. 4 (2020): 33. http://dx.doi.org/10.11114/aef.v7i4.4847.

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This study examined how banks react to the monetary policies transmission mechanisms of the central bank of Nigeria. The data employed were collected from Nigerian Deposit Insurance Cooperation and Central Bank of Nigeria and subjected to various finametric techniques. The major findings are that cash reserve ratio negatively and significantly affects the performance of deposit money banks in Nigeria, while other monetary policy variables exert insignificantly to the performance of deposit money banks. It was also found that apart from banks own shock; banks respond negatively to shocks from m

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Drechsler, Itamar, Alexi Savov, and Philipp Schnabl. "The Deposits Channel of Monetary Policy*." Quarterly Journal of Economics 132, no. 4 (2017): 1819–76. http://dx.doi.org/10.1093/qje/qjx019.

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Abstract We present a new channel for the transmission of monetary policy, the deposits channel. We show that when the Fed funds rate rises, banks widen the spreads they charge on deposits, and deposits flow out of the banking system. We present a model where this is due to market power in deposit markets. Consistent with the market power mechanism, deposit spreads increase more and deposits flow out more in concentrated markets. This is true even when we control for lending opportunities by only comparing different branches of the same bank. Since deposits are the main source of liquid assets

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Dawood, Taufiq Carnegie. "Monetary Policy, Foreign Interest Rate impact on Indonesian Bank Credit." JEJAK 11, no. 2 (2018): 338–55. http://dx.doi.org/10.15294/jejak.v11i2.16056.

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This study adds to the economic knowledge by presenting proof based on data for Indonesia, on the consequence to credit provided by domestic banks, due to changes of monetary policy and foreign rates of interest. The subject matter is important for Indonesia because about 88 percent of its overall financing to the private sector in Indonesia are provided by domestic banks through credit channels. Consequently fluctuations of bank credit have significant impact on Indonesia’s financial system’s stability. Applying the Structural VAR method, the current study found that credit channeled by domes

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Ansari, Jugnu, and Saibal Ghosh. "Monetary Policy Pass-through, Ownership and Crisis: How Robust is the Indian Evidence?" Margin: The Journal of Applied Economic Research 15, no. 4 (2021): 456–83. http://dx.doi.org/10.1177/09738010211036276.

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Employing disaggregated data for 2001–2016, this study investigates the lending and loan pricing behaviour of state-owned and domestic private banks in response to monetary policy. Three major findings emerge. First, although both the interest rate and the bank lending channels are relevant for monetary pass-through, there is a trade-off: the impact of the former is much higher than the latter, although it occurs with a significant lag. Second, domestic private banks have a far greater response to a monetary policy shock under the interest rate channel, whereas state-owned banks display a grea

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Iyer, Rajkamal, and Manju Puri. "Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks." American Economic Review 102, no. 4 (2012): 1414–45. http://dx.doi.org/10.1257/aer.102.4.1414.

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We use unique depositor-level data for a bank that faced a run to understand the factors that affect depositor behavior. We find uninsured depositors are most likely to run. Deposit insurance helps, but is only partially effective. Bank-depositor relationships mitigate runs, suggesting that relationship with depositors help banks reduce fragility. In addition, we also find that social networks matter. Finally, we find long-term effects of a solvent bank run in that depositors who run do not return back to the bank. Our results help understand the underlying dynamics of bank runs and hold impor

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Nikolaychuk, Sergiy, and Yurii Sholomytskyi. "Using Macroeconomic Models for Monetary Policy in Ukraine." Visnyk of the National Bank of Ukraine, no. 233 (September 29, 2015): 54–64. http://dx.doi.org/10.26531/vnbu2015.233.054.

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An important precondition for successful implementation of inflation targeting is the ability of the central bank to forecast inflation given the fact that the inflation forecast has become an intermediate target. Certainly, this means there should be clear understanding of the monetary policy transmission mechanism functioning within the bank, because it is precisely through transmission channels that a central bank has to ensure convergence of its inflation forecast to the target. And it is almost impossible to pursue inflation targeting without a set of macroeconomic models that describes t

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Zhang, Ruiwen, and Shujun Wang. "Economic Policy Uncertainty and Bank Stability: An Analysis Based on the Intermediary Effects of Opacity." Sustainability 15, no. 5 (2023): 4084. http://dx.doi.org/10.3390/su15054084.

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With the background of deepening uncertainty about global and Chinese economic policy, the stability of the banking industry is of great strategic significance for promoting the high-quality development of the real economy and maintaining the order of the financial market. This paper uses the panel data of 32 commercial banks in China during the period of 2007–2020 to test the impact of economic policy uncertainty on bank stability and the mediating role of opacity. The research results show that the economic policy uncertainty has a negative impact on bank stability. Opacity plays a partial i

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Chamdani, Muchammad Chanif, and Bramanda Sajiwo Santoso. "THE CENTRAL BANK’S POLICY JUSTIFICATION IN MITIGATING CLIMATE CHANGE." Journal of Central Banking Law and Institutions 2, no. 1 (2023): 93–122. http://dx.doi.org/10.21098/jcli.v2i1.36.

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In recent years, increasing awareness of the impact of climate change has attracted the attention of central banks in a number of countries. Under their authority, some central banks have started to formulate “green policies.” These green policies include a green version of quantitative easing, buying green bonds in order to support the growth of environmentally friendly financial institutions, and imposing restrictions or prohibitions on non-environmentally friendly industry lending by banks. Bank Indonesia itself is starting to explore banking policies that are more environmentally friendly,

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Chapman, James T. E., Jonathan Chiu, and Miguel Molico. "Central bank haircut policy." Annals of Finance 7, no. 3 (2010): 319–48. http://dx.doi.org/10.1007/s10436-010-0171-5.

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Nfor Yuni, Denis, and Marcellus Ifeanyi Attama. "How does the central bank recapitalization policy affect competition in commercial banks of Sub-Saharan Africa?" Banks and Bank Systems 17, no. 2 (2022): 98–112. http://dx.doi.org/10.21511/bbs.17(2).2022.09.

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In the last two decades, central banks in Sub-Saharan African (SSA) countries have witnessed a trend of the recapitalization policy for commercial banks, and many more are bracing up to undertake the same reform. This has raised debates on whether and how it affects the competitiveness of commercial banks. Nevertheless, empirical evidence remains sparse and inclusive, especially for SSA countries. It is on this premise that this study, therefore, investigates competition in commercial banks before and after recapitalization for six selected SSA countries. The study employs the Panzar-Rosse mod

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Simpasa, Anthony, Boaz Nandwa, and Tiguéné Nabassaga. "Bank lending channel in Zambia: empirical evidence from bank level data." Journal of Economic Studies 42, no. 6 (2015): 1159–74. http://dx.doi.org/10.1108/jes-10-2014-0172.

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Purpose – The purpose of this paper is to explore the effect of monetary policy on the lending behaviour of commercial banks in Zambia using bank-level data. Design/methodology/approach – Dynamic panel data econometric analysis is used to uncover the evidence of monetary transmission mechanism in Zambian banking industry. Other specifications are used as robustness checks. Findings – Contrary to received evidence, the authors find that the bank lending channel in Zambia operates mainly through large banks. The effect of monetary policy on medium-sized banks is moderate while it is virtually no

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Zhang, Xing, Fengchao Li, Zhen Li, and Yingying Xu. "Macroprudential Policy, Credit Cycle, and Bank Risk-Taking." Sustainability 10, no. 10 (2018): 3620. http://dx.doi.org/10.3390/su10103620.

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This paper constructs a theoretical model to analyze the effect of macroprudential policies (MPPs) on bank risk-taking. We collect a data set of 231 commercial banks in China to empirically test whether macroprudential tools, including countercyclical capital buffers, reserve requirements, and caps on loan-to-value, can affect bank risk-taking behaviors by using the dynamic unbalanced panel system generalized method of moment (SYS-GMM). The results provide further evidence on the important role of MPPs in maintaining financial stability, which helps mitigate financial system vulnerabilities. B

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Enebeli-Uzor, Sunday, and Adam Mukhtar. "Monetary Policy, Digitalisation and Banking Industry Performance in Nigeria." Journal of Scientific Research and Reports 30, no. 6 (2024): 459–68. http://dx.doi.org/10.9734/jsrr/2024/v30i62062.

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In the evolving financial landscape of Nigeria, the interplay between monetary policy and digitalization significantly influences the performance metrics of banks. This study explores the multifaceted impact of these two critical factors on the Nigerian banking sector. Monetary policy, orchestrated by the Central Bank of Nigeria, regulates the economy's money supply, affecting banks' lending behaviors and liquidity. Digitalization, on the other hand, offers a transformative potential for banks to enhance operational efficiency, customer experience, and service delivery through technological ad

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Anil, Raj D., and N. Ajithkumar. "Is the Monetary Policy Transmission to Bank Lending Rates in India Efficient? A Comparison between Public Sector Banks' (PSBs) Median Benchmark Interest Rates and Repo Rate during 2011-2017." Shanlax International Journal of Economics 6, no. 3 (2018): 22–28. https://doi.org/10.5281/zenodo.1299661.

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With the opening up of Indian financial markets and with global economic forces comes into play, there is much deviation in Reserve Bank of India's (The Central Bank) monetary policy frame-work. Since the implementation of Liquidity Adjustment Facility, monetary policy in India has undergone a significant shift. The conventional monetary policy of controlling CRR and SLR has given way to concepts like Repo and Reverse Repo. But how these policy rates can evoke the desired action from Banks so as to effectively transmit the policy rates to bank lending? An empirical study of the rate pass-t

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Olszak, Małgorzata. "The Role of Capital Regulation and Risk-Taking by Banks in Monetary Policy." Oeconomia Copernicana 5, no. 1 (2014): 7–26. http://dx.doi.org/10.12775/oec.2014.001.

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The credit boom prevailing in the period preceding the last financial crisis was prolonged and associated with neither particularly strong output growth nor rising inflation in economies in which it occurred. This type of credit cycle and financial cycle is hard to reconcile with existing economic theory applied in monetary policy. In this paper we point out to endogenous factors behind this phenomenon. We aim to identify what is the role of bank capital regulation and bank risktaking in the transmission mechanism of monetary policy. The transmission of monetary policy impulses through capital

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Tran, Dung Viet. "Economic policy uncertainty and bank dividend policy." International Review of Economics 67, no. 3 (2020): 339–61. http://dx.doi.org/10.1007/s12232-020-00344-y.

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