Academic literature on the topic 'Profits of the banking system'

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Journal articles on the topic "Profits of the banking system"

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M. Husni Ingratubun. "APPLICATION OF THE INTEREST SYSTEM IN CONVENTIONAL BANKS AND ITS RELATION TO ISLAMIC LAW REGARDING USURY." Awang Long Law Review 5, no. 1 (2022): 373–78. http://dx.doi.org/10.56301/awl.v5i1.654.

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Conventional banking operations benefit mainly from the difference between the deposit interest given to customers and the interest or credit loans given. In contrast, in Islamic Banks, the profits they get are not from interest but through profit sharing. The main difference between conventional banks and Islamic banking is the prohibition of Riba (interest) in Islamic banking. Under Sharia banking, bank interest is prohibited while trading is permitted by Allah. Riba is defined as Ziyadah (additional cost). Riba is an additional fee, both in trade transactions and loans that are illegal or c
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T. ABRAR ZA. "KONSEP INVESTASI (AL-MUDHARABAH): PERBANDINGAN TEORI EKONOMI SYARI'AH DAN KONVENSIONAL." HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi 2, no. 2 (2023): 27–42. http://dx.doi.org/10.61393/heiema.v2i2.172.

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In a mudharabah investment profit sharing transaction, both parties can enter into a business agreement, where one party becomes the capital investor and the other party becomes the capital manager. From the management of investment funds, investment profits (profit) will be obtained and will then be divided into two according to the agreement (al-ittifaq). The implementation of the principle of investment profit sharing does not only apply in Sharia Financial Institutions, but also in Conventional Financial Institutions in the form of mudharabah and musyarakah savings and loans referring to t
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Bektas, Eralp. "The persistence of profits in the Turkish banking system." Applied Economics Letters 14, no. 3 (2007): 187–90. http://dx.doi.org/10.1080/13504850500426178.

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Ryandono, Muhamad Nafik Hadi. "Solution for Islamic Banks Exploitation: A Criticism of Fixed-Yields Based Financing in Indonesia." al-Uqud : Journal of Islamic Economics 4, no. 1 (2020): 48. http://dx.doi.org/10.26740/al-uqud.v4n1.p48-68.

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The profit-sharing system is the main characteristic of Islamic banking that distinguishes them from conventional (ribawi) banking. However, in reality, the profit-sharing contract is rarely implemented in Islamic banking. As a result, Islamic banking is still identified as ribawi banking. Many Islamic economists have examined the reasons behind fixed income contracts, especially murabahah contract that applied predominantly, structurally, systematically and massively compared to the profit-sharing contract. Therefore, with a critical analytical approach, this study aims to dismantle and look
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Lomakin, Nikolay I., Olga V. Yurova, Ekaterina V. Kosobokova, Oksana A. Minaeva, Valentina F. Trunina, and Yury A. Kachanov. "RANDOM FOREST MODEL ON BIG DATA FOR FORECASTING THE STABILITY OF THE BANKING SYSTEM OF THE RUSSIAN FEDERATION." Krasnoyarsk Science 12, no. 1 (2023): 78–100. http://dx.doi.org/10.12731/2070-7568-2023-12-1-78-100.

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The article analyzes current trends in the use of artificial intelligence, cognitive technologies, Big Data and other innovations in order to predict the stability of the Russian banking system. The current trends in the development of banking innovations in the context of digitalization of the economy are summarized. Among the research methods used, the Random Forest artificial intelligence system, formed in the Google Collab cloud service in Python, should be noted. A neural network model for predicting the dynamics of bank profits based on the use of the Random Forest (RF – random forest) m
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Ridha, Fahrul. "Penerapan Prinsip Bagi Hasil Akad Mudharabah Di Perbankan Syariah Dalam Pandangan Ekonomi Di Indonesia." Al-Sharf: Jurnal Ekonomi Islam 4, no. 3 (2024): 338–53. https://doi.org/10.56114/al-sharf.v4i3.11396.

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Sharia banking is now undergoing a rapid development in Indonesia. It just means that in its implementation half of the group is thinking that sharia banks are only in line with the identity that is used to maintain solidarity with Muslim groups in the banking sector. Mudharabah contracts form one of the products used in sharia banking. This research aims to understand the explanation regarding the implementation of the profit sharing principle in mudharabah contracts in sharia banking from an economic perspective. In a mudharabah investment profit sharing transaction, both parties can create
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Lafta, Naseer Sabbar. "Recovery of Damage For Lost Profits In Bank Deposit." Akkad Journal Of Law And Public Policy 1, no. 1 (2021): 32–43. http://dx.doi.org/10.55202/ajlpp.v1i1.65.

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Iraq's banking system is different in that it includes nationalized banks, private banks, foreign banks, Islamic banks, particular development banks, and cooperative banks. Currently, the size of loan defaults in the banking industry is enormous. However, the popular view is that loans and advances have a higher recovery rate. This article aims to explore the problems governing banking operations in Iraq and summarize the provisions of Iraqi legislation relating to the recovery of bank profit losses. According to the study given in this example, lending practices with Iraqi banking instruments
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Muthoifin, Nabila Firdaus, Sukisno, et al. "Profit-Sharing Practices to Increase Profits and Development of Indonesian Sharia Banking." Revista de Gestão Social e Ambiental 18, no. 6 (2024): e05687. http://dx.doi.org/10.24857/rgsa.v18n6-005.

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Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islami
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Muthoifin, Nabila Firdaus, Sukisno, et al. "Profit-Sharing Practices To Increase Profits And Development of Indonesian Sharia Banking." Journal of Law and Sustainable Development 12, no. 1 (2024): e2816. http://dx.doi.org/10.55908/sdgs.v12i1.2816.

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Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islami
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Suryaningsih, Sri Abidah. "APLIKASI MUDHARABAH DALAM PERBANKAN SYARIAH DI INDONESIA." Journal of Innovation in Business and Economics 4, no. 1 (2014): 13. http://dx.doi.org/10.22219/jibe.vol4.no1.13-24.

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This theory analysis article aims to describe the meaning of mudharabah, explain about Sharia banks, and provide an overview on implementation of mudharabah in Islamic banking in Indonesia. Mudharabah takes place when there are investor (Shahibul mall), fund manager (mudharib), business activity, and profit sharing proportion (nisbah) agreement between investor and manager. Sharia banking should be performed based on some characteristics, specifically: usury (riba)-free, provides public services and realizes the socio-economic goals of Islam, universal, and applies profit and loss sharing. Mor
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Dissertations / Theses on the topic "Profits of the banking system"

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Волохова, Л. Ф. "Фактори впливу на прибутки банківської системи". Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/61773.

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Важливим напрямом аналізу банківського балансу є аналіз фінансових результатів, серед яких прибуток займає центральне місце.<br>An important aspect of the analysis of the balance sheet is the analysis of financial results, among which profit is central.
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Lampert, Carlos Henrique Borges. "O novo sistema de pagamentos brasileiro : houve redução de custos e riscos?" reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2006. http://hdl.handle.net/10183/10802.

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Esta dissertação analisa os motivos da implantação do novo sistema de pagamentos brasileiro, descreve os impactos percebidos junto à sociedade e avalia o atual estágio do projeto. Procura mostrar que não houve redução de risco sistêmico, como se pretendia, em função da implantação do novo sistema de pagamentos. Também evidencia que não houve redução de tarifas bancárias com a implantação do mesmo. Descreve que, em função da redução de custos financeiros percebidos com a utilização de avanços tecnológicos, os bancos passaram a apropriar-se dos ganhos em função da forma como foi elaborado o novo
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Zainol, Zairani. "Profit/loss sharing and risk in the Islamic banking system with a special reference to Malaysia." Thesis, University of Edinburgh, 2007. http://hdl.handle.net/1842/25356.

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Although the concept of profit/loss sharing is generally considered the most appropriate form of Islamic contract, its application to the Islamic banking system has provoked some criticism. Islamic banks need to make a profit if they are to compete with conventional banks, which focus exclusively on profit maximization. The profit generated by Islamic banks would allow them to offer higher remuneration to their shareholders and depositors and to invest in product innovation and technology. This study explores various aspects of Islamic banking, especially its basis of the Shari’a. Te discussio
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Khan, Omar Mahomed. "An investigation into the establishment of an Islamic banking enterprise in the Tshwane and surrounding areas / Omar Mahomed Khan." Thesis, North-West University, 2013. http://hdl.handle.net/10394/10167.

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Muslims in South Africa live within the framework of a Western economy in which the notion of interest plays a pivotal role. This system does not seem to comply with the strict interpretation of Islamic law, since the Quran prohibits any dealings on the basis of interest and strongly condemns those who continue to deal in interest-based transactions, warning them of a “notice of war from Allah and His Apostle”. Muslims are therefore faced with the dilemma of either participating in the current prevailing economic system and thereby violating the Quranic injunctions prohibiting interest or Riba
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Madani-Beyhurst, Shirin. "Essays on the banking sector of Luxembourg." Thesis, Strasbourg, 2017. http://www.theses.fr/2017STRAB003.

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Cette thèse étudie le secteur bancaire du Luxembourg sous trois angles différents. Elle apporte de nouveaux éléments de débat sur un secteur bancaire souvent commenté mais rarement étudié. En outre, dans chacun des trois chapitres, les impacts de la crise financière sont étudiés. Chapitre 1: Création de liquidité par les banques du Luxembourg. Ce chapitre évalue la quantité liquidité créée par les banques. Nous constatons que cette création a plus que doublé entre 1999 et 2011. Cependant, la liquidité créée a commencé à diminuer en 2009 et en 2011, elle n’était toujours pas revenu au niveau d'
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Gugler, Klaus, and Evgeni Peev. "The persistence of profits in banking: an international comparison." Taylor&Francis Group, 2018. http://epub.wu.ac.at/6415/1/00036846.2018.pdf.

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This article examines the dynamics of bank profitability in the USA, Germany, Great Britain, France, Italy and Switzerland over the period 1993-2014. We find long-run bank profit persistence in all six countries in the period before the financial crisis in 2008. Banks with large capital ratios are persistently more profitable, and there is little evidence of a link between bank size and the persistence of bank profits. Commercial (saving) banks are persistently more (less) profitable in four of the six countries. The effects of the financial crisis in 2008 differed dramatically across co
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Karlsen, Kåre Nordvik, and Tarje Killingberg. "Profile based Intrusion Detection for Internet Banking Systems." Thesis, Norwegian University of Science and Technology, Department of Computer and Information Science, 2008. http://urn.kb.se/resolve?urn=urn:nbn:no:ntnu:diva-9731.

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<p>A review of publications treating security in Internet banking systems has uncovered a practice that finds security by obscurity just as important as actual security measures. The key reason for this is that security measures do not provide a sufficient return on investment by fraud and misuse detection. Hence, the banks have so far taken the risk of providing poor security in their systems, and instead compensated the compromised users. This introduces the need for a cost-efficient, non-intrusive and customizable novel fraud and misuse detection system. This report describes the work done
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Abel, Sanderson. "Measuring the performance of the banking sector in Zimbabwe." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/5110.

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The measurement of the banking sector performance in Zimbabwe is motivated by the unique developments that typified the sector during the period 2009-2014 after emerging from an economic crisis. The Zimbabwean economy returned to stability and growth in 2009, after a decade long economic decline. Economic stability brought about growth in deposits, loans, assets, capitalization and profits during this period. The banking sector has been accused of excessive profiteering through overpricing their products, which culminated in the intervention by the authorities in the sector. The interest rates
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Manzuk, A. O. "Banking system of Ukraine." Thesis, Видавництво СумДУ, 2012. http://essuir.sumdu.edu.ua/handle/123456789/26007.

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Yan, Weirong. "The Chinese Banking System." Kyoto University, 2010. http://hdl.handle.net/2433/120741.

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Books on the topic "Profits of the banking system"

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Deutsch, Gary M. Profit analysis and management systems. Sheshunoff, 1993.

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Laakso, Jyrki. Finnish banking system. 7th ed. Finnish Bankers' Association, 1987.

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Steiner, Thomas D. Technology in banking: Creating value and destroying profits. Dow Jones-Irwin, 1990.

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Chopra, Kiran. Managing profits, profitability & productivity in public sector banking. ABS Publications, 1987.

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1954-, Webber Alan, and City University (London, England). Centre for Banking and International Finance, eds. Profits and profitability in British banking, 1870-1939. The City University, Centre for Banking and International Finance, 1985.

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Lemma, Valerio. The Shadow Banking System. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/9781137496133.

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Cosma, Stefano, and Elisabetta Gualandri, eds. The Italian Banking System. Palgrave Macmillan UK, 2012. http://dx.doi.org/10.1057/9781137291905.

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Lessambo, Felix I. The U.S. Banking System. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-34792-5.

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Lessambo, Felix. The International Banking System. Palgrave Macmillan UK, 2013. http://dx.doi.org/10.1007/978-1-137-27513-4.

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Gortsos, Christos V. The Greek banking system. 2nd ed. Ant. N. Sakkoulas Publishers on behalf of Hellenic Bank Association, 1998.

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Book chapters on the topic "Profits of the banking system"

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Harper, Malcolm. "11. The Kalanjiam Community Banking System, Madurai East, Tamil Nadu, India." In Profit for the Poor. Practical Action Publishing, 1998. http://dx.doi.org/10.3362/9781780440910.011.

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Guo, Ye, and Chen Liang. "Blockchain Application and Outlook in the Banking Industry." In Blockchain, Crypto Assets, and Financial Innovation. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-96-6839-7_2.

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Abstract Blockchain technology is a core, underlying technology with promising application prospects in the banking industry. On one hand, the banking industry in China is facing the impact of interest rate liberalization and profit decline caused by the narrowing interest-rate spread. On the other hand, it is also affected by economic transformation, Internet development, and financial innovations. Hence, the banking industry requires urgent transformation and is seeking new growth avenues. As such, blockchains could revolutionize the underlying technology of the payment clearing and credit i
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Davis, Steven I. "How Might Future Bank Profits and Returns Evolve?" In Banking in Turmoil. Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230275065_7.

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Gao, Xiang, and Chengwei Liu. "The Disgorgement Damage System in Chinese Law." In Disgorgement of Profits. Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-18759-4_22.

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Hester, Donald D. "Federal Reserve System." In Banking Crises. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/9781137553799_13.

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Kokkinis, Andreas, and Andrea Miglionico. "The banking system." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-2.

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Molyneux, Philip. "General Description of the UK Financial System." In Banking. Macmillan Education UK, 1990. http://dx.doi.org/10.1007/978-1-349-21153-1_1.

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Lessambo, Felix I. "Banking Laws." In The U.S. Banking System. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-34792-5_2.

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Whiting, D. P. "The UK Banking System." In Mastering Banking. Macmillan Education UK, 1985. http://dx.doi.org/10.1007/978-1-349-17757-8_1.

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Whiting, D. P. "The UK banking system." In Mastering Banking. Macmillan Education UK, 1994. http://dx.doi.org/10.1007/978-1-349-13240-9_2.

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Conference papers on the topic "Profits of the banking system"

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Tregub, I. V., and L. A. Krasulin. "Econometric Modeling of Corporate Profits in the United States of America." In 2024 17th International Conference on Management of Large-Scale System Development (MLSD). IEEE, 2024. http://dx.doi.org/10.1109/mlsd61779.2024.10739590.

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Tálos, Lívia, Gyöngyi Bánkuti, and Jozsef Varga. "The Analysis of the Turkish Islamic Banking System Between 2005 and 2014." In International Conference on Eurasian Economies. Eurasian Economists Association, 2016. http://dx.doi.org/10.36880/c07.01803.

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Islamic banking is a banking system that is based on the principles of sharia or Islamic law. The principles of Islamic finance forbid interest - this is commonly known as riba - charity (zakat), forbid high risk (gharar), forbid some transactions like gambling, and are based on PLS (Profit-Loss Share). The most important concept is that both charging and receiving interest are strictly forbidden; money may not generate profits. Islamic banks have largely survived the global economic crisis intact and they offer a safer operation than conventional banks. CAMEL analysis is a supervisory rating
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Mihaylova-Borisova, Gergana. "PANDEMIC CRISIS AND ITS EFFECTS ON BULGARIAN BANKING SYSTEM’S EFFICIENCY." In 5th International Scientific Conference – EMAN 2021 – Economics and Management: How to Cope With Disrupted Times. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2021. http://dx.doi.org/10.31410/eman.2021.95.

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The economies are once again facing the challenges of another crisis related to the spread of coronavirus in 2020. The banking sector, being one of the main intermediaries in the economies, is also affected by the spread of the new crisis, which is different compared to the previous crises such as the global financial crisis in 2008 and the European debt crisis in 2012-2013. Still, the banking sector in Bulgaria suffers from the pandemic crisis due to decelerated growth rate of loans, provided to households and non-financial enterprises, as well as declining profits related to the narrowing sp
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PANFIL, CRISTINA, and PROFIRA CRISTAFOVICI. "CURRENT TRENDS IN THE INNOVATION PROCESS WITHIN THE GLOBAL BANKING INDUSTRY." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.09.

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The global banking industry has constantly evolved, undergoing processes such as internationalization, banking concentration, liberalization, diversification, universalization, and globalization of activities. The most recent changes include the modernization of banking technologies and the development of alternative communication methods, which have revolutionized the sector, creating real competitive advantages through the implementation of high-performance information systems and the personalization of the bank-client relationship. This gradual transformation, alongside the creation of the
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Bánkuti, Gyöngyi. "The Importance and Expansion of the Islamic Bank Sector." In International Conference on Eurasian Economies. Eurasian Economists Association, 2021. http://dx.doi.org/10.36880/c13.02506.

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Islamic Finance grows in international finance across the globe. The aim of this study is to introduce the importance and specificities of the rapidly expanding Islamic banking system worldwide, as well as its expansion process. After a summary of the economic principles of the Islamic banking systems, with special emphasis on the principle of profit and risk sharing, - which essentially distinguishes Islamic and traditional interest-based banking systems - special highlight will be on the countercyclical feature of Islamic banks, which is also a fundamental difference from the procyclical fea
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Yorgancılar, Fatma Nur, Haldun Soydal, and Bedriye Tunçsiper. "Banking in Shadow of Globalization." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02031.

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The sector having the most important role among developedness indicators is financial sector. The most important and vulnerable part of this sector is banking system. Financial liberalization and relaxation in political approach, based on strict norms, following it, and increasing competition at sectorial level required the presence of supervision mechanisms. The rigid rules of supervision system under consideration led profit margin to fall gradually. Hence, alternative searches became a current issue in terms of the other actors of banks and banking system. These alternative ways, developed
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Posnaya, E. A. "Profit And Losses In Russian Federation Banking System During The Coronavirus Pandemic." In II International Conference on Economic and Social Trends for Sustainability of Modern Society. European Publisher, 2021. http://dx.doi.org/10.15405/epsbs.2021.09.02.113.

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Abdulwahid Luaibi, Ali, and Aida Kamoun Abdelmawla. "Controlling Planning Budgets in Banking Institutions Using The CAMELS Indicators Model - Research On a Sample of Private Iraqi Banks." In II. Alanya International Congress of Social Sciences. Rimar Academy, 2023. http://dx.doi.org/10.47832/alanyacongress2-1.

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Planning budgets are one of the most important means adopted by banking institutions as an indicator to measure the efficiency and effectiveness of banks through the optimal use of available resources and achieving the goals that banks seek, which are achieving the highest profits with the lowest costs and risks. This study sought to demonstrate the impact of planning budgets on control and planning in Iraqi banking institutions. The Camels model was used to monitor banking performance and evaluate the level of performance. This model is one of the tools used by the Central Bank and the regula
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BOITAN, Iustina Alina, and Wafaa SHABBAN. "The Governance Profile of European Countries and Key Banking Indicators – A Causality Analysis." In The International Conference on Economics and Social Sciences. Editura ASE, 2024. http://dx.doi.org/10.24818/icess/2024/053.

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The study documents a significant relationship in terms of causality between country-level governance indicators (as a component of ESG) and main banking system indicators by relying on a sample of European Union countries that exhibit a temperate climate profile. Granger causality test is used to assess the link between banking system and country governance, in terms of a cause-effect framework. The findings show that the influence of country governance performance on banking activity is most pronounced in Belgium, Portugal, and Spain while in the Netherlands, France, Greece, and Italy the in
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Cebotari, Irina. "Competitiveness and performance of trademarks on the banking services market in the Republic of Moldova." In Simpozion stiintific al tinerilor cercetatori, editia 20. Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/9789975359030.39.

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The banking system is a coherent set of banking institutions, operating in a country, responding to the needs of a stage of socio-economic development. It is a booming field and involves in its development the entire economy. In this paper, I analyzed the performance and competitiveness of the banking system in the Republic of Moldova through the analysis of the number and volume of loans granted and deposits attracted. I also studied the profit and loss situation of the banks during the two years of the pandemic. Moreover, I evaluated the satisfaction of consumers of banking services, and I e
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Reports on the topic "Profits of the banking system"

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Montoya, Ana María, Eric Parrado, Alex Solís, and Raimundo Undurraga. Research Insights: Do Bank Officers Favor Male over Female Loan Applicants? Inter-American Development Bank, 2020. http://dx.doi.org/10.18235/0003022.

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A randomized study in Chile found that otherwise equivalent loan requests from women are 18.3 percent less likely to be approved than those from men, largely due to gender-biased officers, particularly males. Median forgone profits associated with applications rejected due to gender discrimination amount to US$1,785 or 23 percent of the median loan size. Considering only discriminated applications from applicants aged 25 to 35 years for amounts between US$1,500 and US$13,500, the forgone profits at the industry level amount to US$5.8 million per year, which is equivalent to 4 percent of the an
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Emmons, William R., and Frank A. Schmid. When For-Profits and Not-For-Profits Compete: Theory and Empirical Evidence from Retail Banking. Federal Reserve Bank of St. Louis, 2004. http://dx.doi.org/10.20955/wp.2004.004.

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Hartmann, Philipp, Stefan Straetmans, and Casper De Vries. Banking System Stability: A Cross-Atlantic Perspective. National Bureau of Economic Research, 2005. http://dx.doi.org/10.3386/w11698.

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Morck, Randall, M. Deniz Yavuz, and Bernard Yeung. Banking System Control, Capital Allocation, and Economy Performance. National Bureau of Economic Research, 2009. http://dx.doi.org/10.3386/w15575.

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Rozo, Sandra, Diego Mauricio Vásquez, and Dairo Ayiber Estrada. An industrial organization analysis for the colombian banking system. Banco de la República, 2008. http://dx.doi.org/10.32468/be.528.

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Begenau, Juliane, and Tim Landvoigt. Financial Regulation in a Quantitative Model of the Modern Banking System. National Bureau of Economic Research, 2021. http://dx.doi.org/10.3386/w28501.

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Guselli, Lachlan. Our global banking system is in a state of constant crisis. Monash University, 2023. http://dx.doi.org/10.54377/5f89-7370.

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Kürşat Önder, Yasin, Maria Alejandra Ruiz-Sanchez, Sara Restrepo-Tamayo, and Mauricio Villamizar-Villegas. Government Borrowing and Crowding Out. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1182.

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Abstract:
We investigate the impact of fiscal expansions on firm investment by exploiting firms that have multiple banking relationships. Further, we conduct a localized RDD approach and compare the lending behavior of banks that barely met and missed the criteria of being a primary dealer, as well as barely winners and losers at government auctions. Our results indicate that a 1 percentage point increase in banks’ bonds-to-assets ratio decreases loans by up to 0.4%, which leads to significant declines in firm investment, profits and wages. Our findings are grounded in a quantitative model with financia
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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0006548.

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US banks and credit unions are determined to have Latin American immigrants as important and permanent members of their customer base. Community groups, government, and US business interests are aligning through the remittance market to the benefit of Latin American immigrants and their families.
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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, 2010. http://dx.doi.org/10.18235/0009177.

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Research project on ways to improve Latin American immigrants¿ access to the U.S. banking system focused on access issues related to recent Latin American immigrants and particular attention to best practices in account opening procedures and providing remittance Products. Research also includes an Anti-Money Laundering and Terrorist Financing section on their integral relationship to banks and credit unions¿ ability to successfully serve the Latin American immigrant market.
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