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Journal articles on the topic 'Portfolio of commercial banks'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Malla, Buddhi Kumar. "Credit Portfolio Management in Nepalese Commercial Banks." Journal of Nepalese Business Studies 10, no. 1 (2018): 101–9. http://dx.doi.org/10.3126/jnbs.v10i1.19138.

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Credit portfolio management is a key function for banks (and other financial institutions, including insurers and institutional investors) with large, multifaceted portfolios of credit, often including illiquid loans (Nario, Pfister, Poppensieker & Stegemann, 2016). After global financial crisis of 2007-2008, the credit portfolio management function has become most crucial functions of the bank and financial institutions. The Basel III, third installment of Basel accord was developed after crisis to strengthen bank capital requirements by increasing bank liquidity and decreasing bank lever

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2

Thiong’o, Paul Kiama, Matata Kilungu, and Charles Guandaru Kamau. "Loan Portfolio Growth and FinancialPerformance of Commercial banks in Kenya." East African Finance Journal 3, no. 1 (2024): 27–47. http://dx.doi.org/10.59413/eafj/v3.i1.2.

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Loans comprise the single largest asset for commercial banks. To grow the bank's assets, bank managers focus on increasing the number of loans granted by the bank. The general objective of this study was to evaluate the effect of growth in loan portfolios on the financial performance of commercial banks in Kenya. The study used a regression research design. The population of interest consisted of the 44 commercial banks in Kenya. A sample of 31 commercial banks was selected. The study covered a five-year period, from 2011 to 2015. Multiple-linear regression was also used in the analysis. The s

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3

Usmonov, Xikmatilla. "BANK INVESTMENT PORTFOLIO DEVELOPMENT." INNOVATIONS IN ECONOMY 6, no. 3 (2020): 33–38. http://dx.doi.org/10.26739/2181-9491-2020-6-5.

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This article analyzes the development of the investment portfolio of commercial banks in Uzbekistan and their investment factors. In order to develop the investment portfolios of banks, recommendations were given on the use of international experience. Report on investment portfolio and commercial banks. It also covers the investment portfolio, the nature of investment asset management, the risks associated with it, the risks that affect the effectiveness of investment portfolio management, and the importance of effective investment portfolio management

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Aris, Abdul Shaheer, and Ekramuddin Rahimi. "The Impact of Loan Portfolio Management on Credit Risk: Evidence from Banking Sector of Afghanistan." Journal of Economics, Finance and Accounting Studies 5, no. 5 (2023): 12–22. http://dx.doi.org/10.32996/jefas.2023.5.5.2.

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This article empirically examined the effects of loan portfolio diversification on commercial banks' credit risk in Afghanistan from 2007 to 2019. In this paper, the annualized data is used to run the regression model, and the least-squares method was followed; meanwhile, the Hirschman-Herfindahl index is used as a diversification index. Eventually, the estimation results in compliance with the traditional theory of portfolio management represent that loan portfolio diversification has a negative-significant impact on credit risk, while the capital adequacy ratio coefficient according to the m

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Dr., Stephen Githaiga Ngware, and Kevin Ogonji Muluka Dr. "Effect of Deposits Portfolio on the Financial Performance of Commercial Banks in Kenya." International Journal of Management and Commerce Innovations 11, no. 2 (2024): 385–96. https://doi.org/10.5281/zenodo.10838178.

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<strong>Abstract:</strong> Managing a bank's portfolio effectively, maximizing returns and minimizing risks all at once, while being constrained by management and regulatory requirements, is no easy feat. While concentrating on the removal of current risk classes, this article addresses relevant topics in the banking industry's portfolio diversification. Focusing on commercial banks in Kenya, this study evaluates the theoretical and empirical foundations of portfolio diversification as a strategy for banks operating in a nation like Kenya. This research set out to address the limitations that

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Ostrovska, N. "Modeling of credit portfolio management efficiency." Galic'kij ekonomičnij visnik 70, no. 3 (2021): 89–101. http://dx.doi.org/10.33108/galicianvisnyk_tntu2021.03.089.

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Credit operations, among the great variety of services provided by the bank, are one of the most important activities. In the assets of commercial banks, loans occupy a strong position of the most extensional and profitable items. The reliability and financial stability of commercial banks depends on the composition and structure of the bank's loan portfolio and the process of its management. Under current conditions, the development and improvement of the bank's loan portfolio management system intended to minimize the credit risks and ensure the sustainable operation of commercial banks have

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Nyang'iye, Samson Akumu, Cyrus Iraya, and Duncan Elly Ochieng. "Residential Mortgage Portfolio, Product Innovation and Performance of Commercial Banks in Kenya." European Journal of Business and Management Research 7, no. 3 (2022): 184–93. http://dx.doi.org/10.24018/ejbmr.2022.7.3.1439.

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This study sought to investigate the relationship between residential mortgage portfolios, product innovation, and performance of commercial banks in Kenya. The study was anchored on the Modern Portfolio Theory, Agency Theory, and Asymmetric Information Theory. The study adopted a correlational descriptive research design and data collected from the annual residential mortgage surveys conducted by the central bank of Kenya (CBK) on commercial banks covering a 13-year period from 2006 to 2018. Further, the financial statements of commercial banks and Kenya Bankers Association database were used

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8

Setiawan, Rahmat, Octavia Reniar Putri, and Aulia Claraning Sukmawati. "Diversifikasi Portofolio Kredit, Risiko dan Return Bank." Jurnal Akuntansi 15, no. 1 (2023): 189–99. http://dx.doi.org/10.28932/jam.v15i1.6376.

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Banks as financial intermediaries, can diversify their credit portfolios into different sectors. This study aims to determine the effect of credit portfolio diversification on risks borne and returns earned by banks. The sample in this study was 61 conventional commercial banks in Indonesia for the 2012-2014 period with a total of 112 observations. The results show that credit portfolio diversification has a significant negative effect on bank risk and return. In other words, a more diversified credit portfolio can reduce bank risk and return. Keywords: diversification, loan portfolio, bank’s

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9

Wanjiru, Karani Winnie, and Dr Joyce Nzulwa. "INFLUENCE OF DIVERSIFICATION STRATEGIES ON COMPETITIVE ADVANTAGE OF COMMERCIAL BANKS IN KENYA." Journal of Business and Strategic Management 3, no. 1 (2018): 67. http://dx.doi.org/10.47941/jbsm.254.

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Purpose: This study examined the influence of diversification strategies on competitive advantage of commercial banks in Kenya by utilizing theoretical approaches of Market Power Theory, Portfolio Theory, Transaction Cost Theory, Resource Based View Theory and Diffusion of Innovation Theory. The specific objectives of the study included: to establish the influence of asset diversification strategy, technological diversification strategy, portfolio diversification strategy and revenue diversification strategy on competitive advantage of commercial banks in Kenya.Methodology: The stud adopted a

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Olanrewaju, Rasaki, and Adejare Sodiq Olanrewaju. "An alternative mean-variance portfolio theoretical framework:Nigeria banks’ market shares analysis." Global Journal of Business, Economics and Management: Current Issues 11, no. 3 (2021): 220–34. http://dx.doi.org/10.18844/gjbem.v11i3.5358.

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The ground-laying objective of portfolio conception is nothing but to allot optimally, the investment among financial assets, and a wide range of products held by investors for immediate or long-time decision. The article aims to provide both the theoretical and experimental analysis of estimating portfolio asset indexes. The technique for estimating mixing weights of each asset for proper optimization of the portfolio was described and the Ordinary Least Squares (OLS) technique was employed in the estimation of their returns and volatilities. Twelve (12) new generation (commercial and merchan

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Lekwauwa, Nnenne, and Anita Bans-Akutey. "Commercial banks’ profitability and portfolio management in Ghana." Annals of Management and Organization Research 3, no. 4 (2023): 245–57. http://dx.doi.org/10.35912/amor.v3i4.1420.

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Purpose: The primary goal of the research was to assess the relationship between Ghanaian commercial banks' profitability and portfolio management. Research methodology: All nine of the Ghana Stock Exchange (GSE)'s listed banks were included in the population of this descriptive study. All nine banks were sampled. This study only considered data from financial statements and bank reports covering the five-year period between 2016 and 2021. Results: Results showed that asset investment has a positive effect on the financial performance of commercial banks in Ghana. Additionally, a positive effe

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Thomas, Acholla Ongallo, Rachael Gesami Prof., and Gillian Mwaniki Dr. "Loan Portfolio Quality Diversification Factor, Loan Syndication and Financial Performance of Commercial Banks in Kenya." American Based Research Journal 8, no. 5 (2019): 61–68. https://doi.org/10.5281/zenodo.3456925.

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<em>Existing literature has demonstrated that loan syndication factors can affect banks performance. Good financial performance rewards the shareholders for their investment efforts and in turn, motivates them for additional investment and enables economic growth. On the other hand, underperformance can lead to banking failure and crisis which have negative repercussions on the economic growth. This study sought to determine the influence of loan syndication factor on the financial performance of commercial banks in Kenya. This study specific objective sought to determine the influen

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Каripova, A. M., and D. S. Baktybaeva. "FORMATION AND MANAGEMENT OF THE BANK'S INVESTMENT PORTFOLIO." Vestnik of M. Kozybayev North Kazakhstan University, no. 1 (53) (March 14, 2022): 64–70. http://dx.doi.org/10.54596/2309-6977-2022-1-64-70.

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For effective investment activity of banks, it is necessary to optimize and manage the bank's securities portfolio.The modern portfolio management system has a sufficient arsenal of effective tools, including a number of principles and approaches.The volatility of the Kazakhstan stock market requires the accounting service to pay increased attention to the main function of professional financial agents (including commercial banks) - resource management. The multi-dimensionality of the modern investment portfolio of a commercial bank goes beyond the traditional "accounting" model, that is, the

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Abidah, Asiska Nur, Putri Hidayanti Pratiwi, Triya Oftafiana, and Muhammad Aswad. "Comparison of Stock Portfolio Performance of Conventional Banks and Islamic Banks Using Sharpe Ratio, Treynor Ratio, and Jensen Ratio (2021-2023)." Jurnal Ilmu Ekonomi Terapan 9, no. 2 (2024): 295–311. https://doi.org/10.20473/jiet.v9i2.59272.

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Before purchasing shares on the stock exchange, potential investors and investors need to measure the performance of the stock portfolio of companies listed on the stock exchange to identify the level of return to be received and whether the level of return is comparable to the risk borne to maximize the return. Along with the development of the Islamic sector in Indonesia, the stock exchange is filled with conventional stocks and Islamic stocks owned by companies that operate based on Islamic principles. Some researchers have different opinions regarding which stock performance is superior be

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Malit, E. O., O. Nelson, and A. O. Scholastica. "Effect of Financial Innovations on Banks’ Loan Portfolio: A Case of Commercial Banks in Kenya." International Journal of Finance 8, no. 3 (2023): 22–37. http://dx.doi.org/10.47941/ijf.1305.

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Purpose: The study sought to investigate the effect of financial innovations on loan portfolio of Commercial Banks in Kenya. The main problem was that even though banks have implemented financial innovations, the level of loans uptake in terms of volume and quality remains unclear as indicated by opposing findings by different studies. Most past studies on Kenya have covered relatively shorter study periods which may not reliably capture the financial trends, more so given the short shelf life of financial studies caused by rapid changes in the financial sector.  Methodology: This study

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16

Zholamanova, M., and A. Zhurgembayeva. "Credit risk management in commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU 143, no. 2 (2023): 168–75. http://dx.doi.org/10.32523/2789-4320-2023-2-168-175.

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Development of the banking sector in Kazakhstan is characterized by a rapid pace. This growth is combined with increased competition, access to foreign markets, and the birth of new banking products. Most banking services fall on credit activities. In this regard, it is relevant to build an effective risk management of the loan portfolio. The purpose of the study is to develop proposals for improving the management of credit risks in the banking sector. The research methodology is based on the use of such methods as generalization, statistical methods, comparative analysis and statistical meth

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17

Waqar Azeem Naqvi, Syed M., Tahseen M. Khan, and Sayyid Salman Rizavi. "The Efficiency of Credit Portfolio Management in Pakistan’s Banking Sector." Lahore Journal of Business 4, no. 2 (2016): 51–72. http://dx.doi.org/10.35536/ljb.2016.v4.i2.a3.

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This study highlights the differences in performance of commercial banks operating in Pakistan in the context of credit portfolio management. Specifically, we look at their credit allocation policies and outcomes in the shape of nonperforming loans (NPLs). We categorize a sample of 34 banks into four major groups: public, private, Islamic and foreign banks. The study tests several hypotheses related to the overall efficiency of banks’ credit portfolio management over time as well as the drivers of NPLs and priority sectors for lending across these four categories. The findings broadly suggest

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18

Mačerinskienė, Irena, and Laura Ivaškevičiūtė. "THE EVALUATION MODEL OF A COMMERCIAL BANK LOAN PORTFOLIO." Journal of Business Economics and Management 9, no. 4 (2008): 269–77. http://dx.doi.org/10.3846/1611-1699.2008.9.269-277.

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As in other countries where the traditional banking is dominating, the major part of banks’ assets and loan interest income makes a significant share of banks’ income. Inappropriate loan portfolio evaluation might have negative impact on a commercial bank's performance, the overall banking system, and the economic growth of the country. It is not enough for a bank to have a precise strategy, high lending culture, and observance of general principles to ensure the further growth of profitable loans. It is necessary to apply various evaluation methods of historical and present data, of ratios an

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19

Doeh Agblobi, Andrews, Oscar Tornam Yaw Kuhorfah, and Prisca Asamoah. "Portfolio Management and Profitability of Commercial Banks." Journal of Business and Economic Development 5, no. 4 (2020): 244. http://dx.doi.org/10.11648/j.jbed.20200504.17.

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20

Jani, B. M. "Portfolio Management in Indian Scheduled Commercial Banks." Indian Economic Journal 35, no. 2 (1987): 77–90. https://doi.org/10.1177/0019466219870206.

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21

Nwosi, Anele Andrew, and Akani Elfreda Nwakaego. "Credit Risk Management and Sub-Standard Loans of Commercial Banks in Nigeria: A Panel Data Analysis." International Journal of Finance Research 2, no. 3 (2021): 169–90. http://dx.doi.org/10.47747/ijfr.v2i3.325.

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This study examined the effect of credit risk management on sub-standard loan portfolio of quoted commercial banks in Nigeria. Cross sectional data was sourced from financial statement of commercial banks and Central Bank of Nigeria Statistical bulletin from 2009-2018. Sub-standard portfolio was used as dependent variable while bank risk diversification, Basel risk compliance, risk transfer were used as independent variables. Panel data methodology was employed while the fixed effects model was used as estimation technique at 5% level of significance. Fixed effects, random effects and pooled e

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22

Ghadban, Mohammed Kareem, and Yasser Sami Hussein. "Changing the Dollar Exchange Rate Up and Down and its Impact on the Performance of Iraqi Commercial Banks." Migration Letters 21, S1 (2023): 236–48. http://dx.doi.org/10.59670/ml.v21is1.6042.

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The study examines the impact of the dollar exchange rate on Iraqi commercial banks' performance from 2016 to 2020. It uses secondary data from 10 banks, representing 80% of Iraq's total assets. Results show a negative effect of the dollar's rise on banks' profitability, liquidity, credit quality, and operational efficiency. Conversely, a decline in the dollar's price increases banks' profitability, liquidity, credit portfolio quality, and resource efficiency. Recommendations include diversifying revenue sources, increasing coverage ratios, restructuring credit portfolios, and developing infor

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23

Korzeb, Zbigniew, and Paweł Niedziółka. "Resistance of commercial banks to the crisis caused by the COVID-19 pandemic: the case of Poland." Equilibrium 15, no. 2 (2020): 205–34. http://dx.doi.org/10.24136/eq.2020.010.

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Research background: The analysis allows to assess the impact of the industry structure of the credit portfolio on the resistance of commercial banks to the crisis resulting from the COVID-19 pandemic. It uses two independent methods to measure the impact of the pandemic on industry risk and the methodology allowing to prioritize industries in terms of potential negative effects of the crisis. Purpose of the article: The aim of the research is to assess the resilience of commercial banks operating in the Polish banking sector to the potential effects caused by the COVID-19 pandemic. The

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Rakhimzhanova, K., G. Zhorabaуeva, and B. Aliуeva. "Analysis of the current state of the loan portfolio of commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 3 (2022): 198–206. http://dx.doi.org/10.32523/2789-4320-2022-3-198-206.

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One of the main factors hindering the stability of the banking sector is problem loans. These problem loans reduce the liquidity of banks, as well as the development of the economy as a whole. Problem loans are loans with a low probability of non-repayment or repayment of debt. Therefore, after issuing a loan, the bank must take measures to ensure that there are no loan expenses. The management of problem loans is one of the most important aspects of banking practice. The article is devoted to ensuring the optimization of the quality of the loan portfolio of Kazakhstani banks and their structu

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Menike. "THE IMPACT OF PORTFOLIO DIVERSIFICATION ON THE PROFITABILITY OF LICENSED COMMERCIAL BANKS IN SRI LANKA." Journal of Accountancy & Finance 11, no. 1 (2024): 120–41. http://dx.doi.org/10.57075/jaf1112407.

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Licensed commercial banks are essential for ensuring the stability of any country's financial system. According to the 2022 annual report of the Central Bank of Sri Lanka (CBSL), licensed commercial banks collectively held fifty-five percent of total assets. Portfolio diversification stands as a fundamental strategy for mitigating risk and enhancing returns in the banking sector. Thus, this study aims to investigate the relationship between portfolio diversification and profitability within the realm of licensed commercial banks operating in Sri Lanka. The researcher set out to achieve two res

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Oyetade, Damilola, Adefemi A. Obalade, and Paul-Francois Muzindutsi. "Basel capital requirements, portfolio shift and bank lending in Africa." ACRN Journal of Finance and Risk Perspectives 10, no. 1 (2021): 296–319. http://dx.doi.org/10.35944/jofrp.2021.10.1.014.

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Bank lending is a major source of income for a bank. Compliance with higher Basel capital requirements (CAR) portends serious implication for distribution of loan portfolio across different sectors. The objective of the study is to examine African banks’ responses to higher CAR in terms of portfolio shift. The study used descriptive statistics and ANOVA for panel data of African commercial banks that have implemented Basel II or III CAR for the period 2000 and 2018. Based on the results of our analysis, implementation of higher Basel CAR by African banks revealed four key findings. Firstly, ou

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Shermukhamedov, Bekhzodjon. "IMPROVING THE METHODOLOGY OF DEPOSIT PORTFOLIO ANALYSIS OF COMMERCIAL BANKS." Economics and education 24, no. 1 (2023): 130–34. http://dx.doi.org/10.55439/eced/vol24_iss1/a18.

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This article is devoted to the role and analysis of commercial banks in the economy of our republic, studied the data of their resource base, deposit operations carried out by commercial banks, analyzed the data of the deposit base. The importance of deposits in the activities of commercial banks is substantiated and the results of studies aimed at increasing the deposit base of banks operating in Uzbekistan are presented

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González-Pedraz, Carlos, and Sergio Mayordomo. "TRADEMARK ACTIVITY AND THE MARKET PERFORMANCE OF U.S. COMMERCIAL BANKS." Journal of Business Economics and Management 13, no. 5 (2012): 931–50. http://dx.doi.org/10.3846/16111699.2011.643447.

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This empirical paper analyzes the effect of trademark activity on the market value and performance of US commercial banks from two perspectives. First, a longterm perspective considers the effect of such activity on banks’ Tobin's q. Second, with a short-term perspective, the authors analyze the effect of trademark activity on banks’ abnormal returns. An older portfolio of trademarks diminishes the ratio of market value to firm assets, but this ratio can be improved in the long term by abandoning old trade-marks. Portfolios of trademarks with wide diversification do not help increase Tobin's q

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29

Li, Yanru. "Portfolio Optimization for Several Industries among the U.S. Stock Market." BCP Business & Management 38 (March 2, 2023): 1523–29. http://dx.doi.org/10.54691/bcpbm.v38i.3927.

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Optimizing portfolio has been a popular topic since it was proposed because it can reduce the investment risk. This study selected five active stocks from different industries, including Online E-Commerce, Commercial Banks, Motor Vehicles, Mobile Communication Production, and Telecommunications. Then they were allocated into five kinds of portfolios, which are tangency portfolios and minimum variance portfolios under Capital Asset Pricing Model and Fama-French three-factor Model, as well as the 1/N portfolio. The results found that ‘BAC’ and ‘T’ have the largest weight and the lowest weight re

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Al-Oshaibat, Suleiman Daood, and Daood Al-Oshaibat. "Form the Optimal Investment Portfolio Applied Study in the Jordanian Banking Sector (2013-2017)." International Business Research 13, no. 3 (2020): 79. http://dx.doi.org/10.5539/ibr.v13n3p79.

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The study aimed to form the optimal investment portfolio in the Jordanian banking sector. The research covered a period (2013-2017) and the sample of the study was selected from its community of Jordanian banks listed on the Amman Stock Exchange, consisting of (15) working banks for which the necessary data are available to study.  The importance of the research lies in the formation of a thought and methodology that can be applied and utilized by investors and securities analysts in the management of their investment portfolio.  The study shows that the effective rate

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Samad, Abdus. "Credit Risk Determinants of Commercial Bank: A Look From Texas Commercial Banking Industry." Journal of Finance Issues 8, no. 1 (2010): 179–88. http://dx.doi.org/10.58886/jfi.v8i1.2349.

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This paper examines and estimates the credit risk of commercial banks from Texas banking industry and finds that dominants factors influencing the credit risk of commercial banks are (i) bank’s expectation towards higher ROA and ROE (ii) larger ratio of long term loans in bank assets portfolio, LTERMTA and (iii) bank size, LNTA. Regulatory capital requirement, REGCP, Real estate loans as a percentage of total loans (RESLL) and total assets (REALTA) are not significant factors. The paper suggests some policy prescription to improve the credit risk management of commercial banks.

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Bala Ado, Abdullahi, Amina Dahir Salman, Bala Ado Kofar Mata, and Aminu Kado Kurfi. "THE RELATIONSHIP BETWEEN THE INVESTMENT PORTFOLIO AND BANKING FINANCIAL PERFORMANCE IN NIGERIA." Asian People Journal (APJ) 3, no. 1 (2020): 141–51. http://dx.doi.org/10.37231/apj.2020.3.1.171.

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The study aims to investigate the relationship between the investment portfolio and banking financial performance in Nigeria. The study took an ex post factor research design and firm was used as the unit of analysis. A population of the 15 commercial banks was taken but Skye Bank was screened out due to the unavailability of data and 14 banks were used as the sample for this study. Panel data analysis was used to analyze the data with E-views version 9 using the three models; without effect, random effect and fixed effect. The study reveals that investment in bond has a significant but negati

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Prokopowicz, Dariusz. "THE IMPLEMENTATION OF AN INTEGRATED CREDIT RISK MANAGEMENT IN OPERATING IN POLAND COMMERCIAL BANKS." International Journal of New Economics and Social Sciences 2, no. 2 (2015): 83–95. http://dx.doi.org/10.5604/01.3001.0010.3866.

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Since the late 90-th the value of an integrated credit risk management in commercial banks operating in Poland has become very actual. In classical terms, the integrated risk management is the identification and valuation of certain categories of bank risks associated with their activities. The using of modern information systems helpes to improve the integration of the various business segments in the banks and develope a model for risk management portfolio. The implementation of integrated risk management in relation to the loan portfolio improved process control assets of banks. Thus, a com

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Pandeya, Churamani, and Santosh Shrestha. "Portfolio Analysis of Financial Institutions in Nepal." Harvest 3, no. 1 (2024): 21–34. http://dx.doi.org/10.3126/harvest.v3i1.64177.

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In this paper we empirically investigated risk return dynamics of the financial institutions that were selected from the Nepal Stock Exchange for the period of 2016-2022. The objective of this study is to analyze the portfolio of different FIs based on the return and risk parameters using ex-post returns data. This study employed financial and statistical tools to draw the conclusion. The beta values show that commercial banks’ share prices are more volatile than the prices of development banks and finance companies. The alpha coefficients reveal that share prices of all commercial banks and d

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ГАВРИЛОВА, Наталія, та Євген ПЕРЕВЕРЗЄВ. "ЗАХОДИ ТА ЕТАПИ РОЗРОБКИ ІНВЕСТИЦІЙНОЇ СТРАТЕГІЇ КОМЕРЦІЙНИХБАНКІВ В УМОВАХ ВІЙСЬКОВОГО СТАНУ". Herald of Khmelnytskyi National University. Economic sciences 342, № 3(1) (2025): 48–54. https://doi.org/10.31891/2307-5740-2025-342-3(1)-6.

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The investment strategy of a commercial bank serves as a strategic guideline for the entire investment management system, determining priority areas for resource investment, criteria for the effectiveness of investment projects, as well as mechanisms for controlling and regulating the investment portfolio in conditions of market uncertainty. The investment strategy of a commercial bank not only serves as a capital management mechanism, but also forms an important tool for the bank's strategic positioning in a competitive environment. Its effectiveness largely depends on the bank's ability to f

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ANTYPENKO, Nadiia, and Valeriia OKHRIMENKO. "Analysis of credit portfolio of commercial banks of Ukraine in modern conditions." Economics. Finances. Law 12/1, no. - (2021): 5–8. http://dx.doi.org/10.37634/efp.2021.12(1).1.

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The paper defines that the loan portfolio can be formed by several types that depend on the purpose of the bank. The portfolio type is a portfolio characteristic based on the ratio of profit and risk. The main types of loan portfolio are specified by the authors. There are three stages that determine the process of forming a loan portfolio by the bank. The purpose of the paper is to study the concept of "loan portfolio" and justify the complementary components of the concept, which makes it possible to formulate a complex definition. It is justified that the loan portfolio is an instrument tha

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Iskakova, Z., Zh Gusmanova, and A. Kurmanalina. "Loan portfolio management of commercial banks of the Republic of Kazakhstan in conditions of increasing cross-border impact of sanctions on the economy." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 1 (2023): 275–84. http://dx.doi.org/10.32523/2789-4320-2023-1-275-284.

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In this article, we have considered the main aspects of managing the loan portfolio of commercial banks of the Republic of Kazakhstan in the context of increasing cross-border impact of sanctions on the economy. Factors such as high credit risks, non-repayment of the loan, inefficiency of banks' lending activities, deterioration of the quality of the loan portfolio, the degree of riskiness of credit policy require optimization of the process of managing the loan portfolio of a commercial bank. The trends of gradual growth of the loan portfolio since the beginning of 2019 are considered. The qu

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Marchenko, Olha V., Olha S. Petrykiva, and Kateryna O. Korobko. "Minimizing Credit Risk and Improving the Quality of the Bank’s Loan Portfolio." Business Inform 11, no. 538 (2022): 205–10. http://dx.doi.org/10.32983/2222-4459-2022-11-205-210.

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The article considers the main factors that form credit risk and determines the role of credit risk in the process of formation of the credit portfolio of a commercial bank. It is determined that bank lending involves the functioning of a complex mechanism that includes certain actions aimed at attracting cheap funds and their use in accordance with the terms of the established lending policy, taking into account the minimum risk and maximum profit. As you know, the main source of income of banks is the profit from lending. In this regard, the main problem facing the bank’s management today is

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АЛЕКСЕЕВА, А. Г., Н. Ю. БАГАЕВА, and М. П. ЦЫНЗАК. "EVALUATION OF THE EFFECTIVENESS OF A COMMERCIAL BANK'S LOAN PORTFOLIO." Экономика и предпринимательство, no. 11(160) (December 21, 2023): 750–54. http://dx.doi.org/10.34925/eip.2023.160.11.141.

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В условиях конкуренции каждая финансово-кредитная организация стремиться стать конкурентоспособной на рынке банковских услуг. Связи с этим коммерческие банки постоянно стремятся диверсифицировать свои услуги для юридических, так и для физических лиц. Выдача кредитов основная деятельность коммерческих банков, от которых зависит прибыль банка. На сегодняшний день, кредитный портфель коммерческого банка является основным критерием результативности кредитной политики, которую осуществляет банк. Это важнейшая часть кредитной деятельности, так как банк с помощью кредитных операций получает свой осно

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Dr., Mrs.Beenu Singh. "Commercial Banks' Assets Portfolio-Post Globalization –A Descriptive Analysis." International Journal of Advance and Applied Research 4, no. 29 (2023): 122–26. https://doi.org/10.5281/zenodo.8365370.

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<strong>Abstract</strong> The banking sector is the lifeblood of the Economy. We can assess any country ‘s financial health by the condition of the banking sector of the country. The main aim of a commercial bank is to seek profit along with maximum social welfare. Its capacity to earn profit depends upon its investment policy. Indian commercial banking sector has to land priority sector of the economy to maximize social welfare activities and on the other hand, they have to earn profit for survival. They have to keep their assets in such a manner in which they manage its investment port

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Kosztowniak, Aneta. "Climate policy relevant sectors in the Polish commercial banks." Central European Review of Economics & Finance 42, no. 1 (2023): 50–70. http://dx.doi.org/10.24136/ceref.2023.004.

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The aim of the study is to estimate credit exposures and their changes in commercial banks' portfolios in terms of sectors important for climate policy, which exposes them to the risk of transition in Poland in 2013-2022. The research concerned the analysis of changes in the structure of the loan portfolio in terms of sectors relevant to climate change (CPRS) broken down by groups (green, black, brown, dirty), industries (fossil fuels, utility-electricity, production, manufacturing, transportation, agriculture), and types of activity divided into sections. The CPRS methodology was applied (Bat

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Kalandarov, Abdulla. "CURRENT ISSUES OF PROBLEMATIC LOANS MANAGEMENT IN BANKS." Journal of Science and Innovative Development 3, no. 6 (2020): 18–25. http://dx.doi.org/10.36522/2181-9637-2020-6-2.

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The methodological inadequacy of lending practices in commercial banks is the cause of a number of economic, financial and social problems. As banking practice shows, it is still important, to improve the quality of the loan portfolio and reduce the exposure to overdue loans. The article analyzes the increase in overdue loans that affect the quality of the credit portfolio of commercial banks and also reveals the ways to improve their reduction based on the experience of banks. The classification of overdue credit debt management tools is also proposed, as well as practical suggestions for the

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BWANA, Kembo M., and Baleke MOSES. "EFFECTS OF CREDIT REFERENCE BUREAU PROCEDURES ON PERFORMANCE OF LOAN PORTFOLIO: A CASE OF SELECTED COMMERCIAL BANKS IN TANZANIA." JOURNAL OF EUROPEAN ECONOMY, Vol 23, No 3 (2024) (September 1, 2024): 442–54. http://dx.doi.org/10.35774/jee2024.03.442.

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This study investigates the impact of credit reference bureau (CRB) procedures on the performance of loan portfolios at selected commercial banks in Tanzania. A cross-sectional research design was adopted, with data collected through questionnaires and interviews involving 95 respondents from selected commercial banks. The findings show that the procedure to accessing loans had a positive and significant relationship with loan portfolio performance at these banks (β = 0.835, p = 0.000), as did loan approval procedures (β = 0.789, p = 0.001) and quality control procedures (β = 0.768; p = 0.002)

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Polіakov, M. А. "Investment Securities in the Operational Activities of Commercial Banks." Management of Economy: Theory and Practice. Chumachenko’s Annals, no. 2024 (2024): 281–89. https://doi.org/10.37405/2221-1187.2024.281-289.

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The article examines the problems and scientific substantiation of the concepts of investment activity of commercial banks, distinguishes between the concepts of “investment credit”, “investment operations” and “bank investments”. The investment activity of commercial banks in Ukraine with the beginning of a full-scale invasion was analyzed and it was determined that the investment activity of commercial banks is carried out through a developed and implemented investment policy that depends on the financial condition, level of liquidity and solvency and other financial indicators. It has been

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Muchere, George Oundo, Felix Mwambia, and Wilson Muema. "The Influence of Credit Management on Loans Portfolio Performance of Commercial Banks in Kenya." International Journal of Professional Practice 9, no. 3 (2021): 100–110. https://doi.org/10.71274/ijpp.v9i3.117.

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Banking sector is a key source of funding for most businesses. Improved loans portfolio management leads to high performance of banking institutions. Commercial banks use various avenues to generate their income. Credit management is one of the sensitive areas of management of banking institutions which deals with credit. Credit management gives assurance that loan borrowers will pay back the money lend to them by commercial banks. It is a vital component of the banking practice management function. A banking institution with proper credit management policy will enable it to improve its effici

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Prasai, F., A. Guragain, S. Shrestha, and S. Singh. "Risk and Return Analysis of Stocks of Nepalese Commercial Banks." New Perspective: Journal of Business and Economics, 7 7, no. 1 (2024): 45–62. https://doi.org/10.5281/zenodo.13832435.

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This research article analyzes the impact of risk and return of Nepalese commercial bank stocks on portfolio returns to assist investors in making informed investment decisions. It aims to examine the effects of individual bank stock returns, risks, market return, and market risk (beta) on overall portfolio performance. The study utilizes a quantitative approach, employing descriptive statistics, comparative (trend) analysis, correlation analysis, and hypothesis testing. Secondary data was collected from 18 commercial banks in Nepal, including post-merger banks, covering the fiscal years from

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Rusina, Yuliia O. "CURRENT STATUS AND PERSPECTIVES OF THE DEVELOPMENT OF INVESTMENT ACTIVITY OF THE COMMERCIAL BANKS DURING MILITARY AGGRESSION." Journal of Strategic Economic Research, no. 1 (July 13, 2023): 35–44. http://dx.doi.org/10.30857/2786-5398.2023.1.4.

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Because of writing the scientific work, it was established that the protracted war, terrorist attacks on the energy infrastructure and the subsequent suppression of the economy provoked by this are the main sources of risks for the financial stability of commercial banks. The state of investment activity of commercial banks was studied and it was determined that in order to increase it and reduce the risk of loss of liquidity in war conditions, commercial banks should apply methods of passive investment portfolio management. It has been proven that the combination of financial assets with diff

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Atuya, Benard Arasa, Nancy Rintari, and Susan Kambura. "Influence of Asset Allocation on Financial Performance of Commercial Banks in Nairobi County, Kenya." Journal of Finance and Accounting 3, no. 3 (2023): 22–31. http://dx.doi.org/10.70619/vol3iss3pp22-31.

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The study evaluated the influence of asset allocation on financial performance of commercial banks in Nairobi County, Kenya. Descriptive research design was used in data collection process among 38 commercial banks in Nairobi County, Kenya. Therefore, the study obtained a sample size of 11 banks using a simple random sampling method whose 24 portfolio managers, 21 risk officers, and 36 portfolio management officers, were used as respondents. Data was analyzed using descriptive statistics and regression analysis. The R-value was 0.702 while R-square was 0.692, which indicated that asset allocat

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Stefancic, Mitja, and Neophytos Kathitziotis. "An Evaluation Of Italian Banks In The Period Of Financial Distress." International Business & Economics Research Journal (IBER) 10, no. 10 (2011): 103. http://dx.doi.org/10.19030/iber.v10i10.5989.

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This paper evaluates the performance of Italian banks during the 2006-2009 period. Banks are analysed according to their business models and their main activities. The analysis focuses on both cooperative and commercial banks. By contrast to commercial banks, Italian cooperative banks do not perceive profit-making as a principle itself. These banks have been able to accumulate capital and provide credit to customers despite the ongoing crisis. On average, they manage their loan portfolio better than commercial banks. Findings suggest that cooperative banking in Italy should be encouraged due t

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Esther, Lanyero, Dr Nyakundi Andrew, and Dr Manyange Michael. "Effect of Innovative Credit Management Practices on Loan Portfolio Performance of Commercial Banks: A Case of Commercial Banks in Lira City, Uganda." International Journal of Research and Innovation in Social Science VIII, no. XI (2024): 2573–83. https://doi.org/10.47772/ijriss.2024.8110199.

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Commercial banks play a vital role in economic development of a country through offering financial services. However, they are experiencing increased level of non-performing loans (NPLs) ,consequently affecting their profitability and growth. Therefore the objectives of the study were to: evaluate the effect of credit assessment, credit monitoring and credit risk management on loan portfolio performance. The study adopted correlational research design and quantitative research approach.Total population was 156 and a sample of 112.Stratified random sampling and purposive sampling were used to s

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