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Journal articles on the topic 'Quantification of the bank's profit'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Kyrylenko, V., I. Kulaga, O. Tkachenko, and D. Khokhych. "INDEPENDENCE OF CENTRAL BANK: NEW CHALLENGES." Financial and credit activity problems of theory and practice 4, no. 39 (2021): 4–11. http://dx.doi.org/10.18371/fcaptp.v4i39.238455.

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Abstract. The studydeals with determining the status of central banks and their formal independence in the context of the index approach. The authors argue that there is an inverse relationship between inflation and the level of independence of central banks. It turned out that the expansion of powers of the central bank based on the GMT-index shows a lower level of independence. The authors conducted a quantitative study of the elements of the index of independence of central banks. The peculiarities of formulating the central bank's mandate, procedures for agreeing goals, appointing manageme

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Stádník, Bohumil. "Market Price Forecasting and Profitability – How to Tame Mrandom Walk?" Business: Theory and Practice 14, no. (2) (2013): 166–76. https://doi.org/10.3846/btp.2013.18.

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Directional forecasting of a future market price development of liquid investment instruments is the focus of interest of investment companies, individual investors, banks and other financial market participants. This problematic has still not been fully answered because the market price development is a process which is very close to a random walk and appropriate models are still under the discussion. The opportunities can be used for the better prediction, their usage for profit making, quantification and also their discussion according to the current financial market models (models with the

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Vaishnav Goud Shambula and Mohd. Mansoor Hussain. "A Case Study On Mergers And Amalgamations Of Canara Bank And Syndicate Bank." Involvement International Journal of Business 1, no. 3 (2024): 178–96. http://dx.doi.org/10.62569/iijb.v1i3.25.

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A well-functioning financial system is crucial for a modern economy, with banks playing a vital role in economic and social stability. Public Sector Banks, particularly, are key in generating revenues from rural areas and expanding financial services to underserved regions. This study examines Canara Bank's performance and growth over the past five years, focusing on key financial parameters and the recent merger with Syndicate Bank. The research employs a doctrinal methodology, using secondary data sources, mainly the annual reports of Canara Bank. Key performance indicators analyzed include

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Matondang, Padlan Hamidi, Azizatur Rahmah, and Satria Darma. "The Effect of Third Party Financing and Funds on BCA Syariah Bank Profit (2020-2023)." AMK : Abdi Masyarakat UIKA 4, no. 1 (2025): 40–43. https://doi.org/10.32832/amk.v4i1.2607.

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The Effect of Financing and Third Party Funds on BCA Syariah Bank's Profit. In the financial report of BCA Syariah Bank for the period 2020-2023. This research was conducted on the financial report of BCA Syariah Bank, the purpose of the study was to determine the effect of Financing on BCA Syariah Bank, the effect of Third Party Funds on BCA Syariah Bank, and to determine the Effect of Financing and Third Party Funds on BCA Syariah Bank's Profit. The method used in this study is quantitative research. To determine the Effect of Financing and Third Party Funds on BCA Syariah Bank's Profit usin

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Riezdita, Ayunda, and Riska Lisnawati. "Analisis Kriteria Penentuan Bagi Hasil Kerjasama antara Bank Syariah dengan Financial Technology sektor P2P Lending." Journal Islamic Banking 1, no. 2 (2021): 68–72. https://doi.org/10.51675/jib.v1i2.363.

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Abstract: This study aims to analyze the profit-sharing scheme used by Islamic Banks in collaboration with P2P Landing. Using a qualitative approach and literature study method, it was found that one of the P2P landing institutions used a mudharabah contract in collaboration with Islamic banks. Profit sharing is determined by determining the bank's expected rate of return and the level of expected return of fund users. The bank's expected rate of return is determined based on the estimate of the expected return of the fund provider, the estimated overhead cost, the estimated level of risk, and

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Olusola, ABERE Benjamin, and Teniola Abosede. "Global Financial Crisis and the Profit Efficiency of First Bank of Nigeria PLC; a Stochastic Frontier Analisis." International Journal of Contemporary Research and Review 11, no. 01 (2020): 21700–21717. http://dx.doi.org/10.15520/ijcrr.v11i01.779.

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This study examines the Impact of Financial Crisis on the Profit Efficiency of First Bank of Nigeria Plc. The study makes use of data covering the period 1981-2017. The objective of the research work is to analyse the trend in efficiency of First Bank of Nigeria Plc before, during and after the financial crisis The study rests on the Minsky Financial Instability Hypothesis theoretical framework and uses the translog Stochastic Frontier profit function with one output (Loans), two inputs (price of funds and noninterest expense) and two netputs (fixed assets and equity) to formally examine the i

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Gonepally Rachana and Dr. S. Narender. "A STUDY ON TREND ANALYSIS OF REVENUE AND PROFITABILITY OF ICICI BANK LTD, HYDERABAD." International Journal of Management Research and Business Strategy 15, no. 2 (2025): 176–89. https://doi.org/10.62653/ijmrbs.2025.v15.i2.pp176-189.

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This study delves into the trend analysis of revenue and profitability of ICICI Bank Ltd., focusing on two pivotal financial metrics: Ratio Analysis and Trend Analysis. The research spans a five-year period, from 2020–2021 to 2024–2025, providing a comprehensive evaluation of the bank's financial performance. Ratio analysis serves as a critical tool in assessing the financial health of an organization. In the context of ICICI Bank, key profitability ratios such as Net Profit Margin and Return on Equity(ROE) have been examined. The findings indicate a significant decline in the net profit margi

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Trần, Tâm Thanh, and Lê Vũ Tường Vy. "Effects of banking scale and operating expenses to profit of joint stock commercial banks in Vietnam." Science & Technology Development Journal - Economics - Law and Management 5, no. 2 (2021): first. http://dx.doi.org/10.32508/stdjelm.v5i2.733.

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The operation of the bank is an important economic activity, which has contributed significantly to the development of the national economy over the past years. Therefore, the efficiency in the business operations of joint stock commercial banks is a topic that needs to be addressed, as it directly affects the efficiency in providing capital to businesses, as well as the stability and development of the financial market. Determining the factors affecting the profitability of joint-stock commercial banks will help managers to operate the bank's operations more efficiently. The purpose of this p

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Pramusti, Wuri Cahyaning, Elva Nuraina, and Elana Era Yusdita. "Why State-Owned Enterprises Often Do Earnings Management?" AKRUAL: Jurnal Akuntansi 14, no. 1 (2022): 106–21. http://dx.doi.org/10.26740/jaj.v14n1.p106-121.

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The requirement that the income statement provided be in the profit position all of the time encourages the use of earnings management. Managers manipulate data using accounting practices to fool stakeholders. The goal of this research is to see how the effect of government ownership on earnings management affects audit quality. For 2015-2020, the population is State-Owned Enterprises listed on the IDX. A sample of 24 State-Owned Enterprises is obtained using the purposive sampling method. Using EViews version 10, simple regression and moderated regression analysis (MRA) were used to analyze t

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Sari, Fitria Yulia, and Nahruddien Akbar. "Pengaruh Pembiayaan Mudharabah dan Pembiayaan Musyarakah Terhadap Laba Bersih PT. Bank BRI Syariah." Eksis: Jurnal Ilmiah Ekonomi dan Bisnis 12, no. 1 (2021): 11. http://dx.doi.org/10.33087/eksis.v12i1.234.

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This research has the objective of knowing and testing mudharabah and musyarakah financing whether or not there is an effect on net income at PT Bank BRI Syariah in 2018-2020. This research uses a quantitative descriptive method using secondary data derived from financial reports in the form of mudharabah financing data, musyarakah financing and net profit after tax from 2018 to 2020. This research uses an analytical tool, namely multiple linear regression. The SPSS 23.0 application was used to test the data in this study. Mudharabah and musyarakah financing based on the results of data analys

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Dhanuk, Jayanti. "Profitability Analysis of NIC Asia Bank Limited." Brixton Scholarly Review 2 (May 1, 2025): 181–99. https://doi.org/10.3126/bsr.v2i1.78181.

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The profitability analysis of NIC Asia Bank Limited evaluates its financial performance, focusing on its ability to generate profits relative to costs and expenses. Key metrics such as Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin, Gross Profit Margin, Earnings Per Share (EPS), and Price Earnings Ratio highlight the bank's efficiency in converting resources into earnings. The analysis reveals that effective cost management, operational efficiency, and non-interest income significantly contribute to profitability. External factors, such as market competition, regulatory chan

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Mukuddem-Petersen, J., M. A. Petersen, I. M. Schoeman, and B. A. Tau. "Maximizing Banking Profit on a Random Time Interval." Journal of Applied Mathematics 2007 (2007): 1–22. http://dx.doi.org/10.1155/2007/29343.

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We study the stochastic dynamics of banking items such as assets, capital, liabilities and profit. A consideration of these items leads to the formulation of a maximization problem that involves endogenous variables such as depository consumption, the value of the bank's investment in loans, and provisions for loan losses as control variates. A solution to the aforementioned problem enables us to maximize the expected utility of discounted depository consumption over a random time interval,[t,τ], and profit at terminal timeτ. Here, the term depository consumption refers to the consumption of t

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KNODELL, JANE. "Profit and duty in the Second Bank of the United States' exchange operations." Financial History Review 10, no. 1 (2003): 5–30. http://dx.doi.org/10.1017/s0968565003000015.

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The Second Bank of the United States (1816–36) faced a potential trade-off between the private profits it was expected to produce for shareholders and the ‘free’ yet costly fiscal services it was mandated to provide to the Federal government during an era of westward expansion and primitive transportation networks. This article shows that the bank's large-scale dealings in domestic and foreign exchange transformed this potential trade-off into a positive synergy between the bank's private and public obligations. The bank was financially successful because it found a market niche – the provisio

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Goncharenko, Tatiana P. "Strategic Management of the Main Elements of the Bank's Financial Strategy." Mechanism of an Economic Regulation, no. 4 (2020): 96–109. http://dx.doi.org/10.21272/mer.2019.86.10.

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The banking sector has typically operated in a highly competitive environment, which has increased significantly as a result of recent structural economic transformations. Such conditions require a more thorough exploration of one of the fundamental elements of a bank's strategic management, i.e its financial strategy, the proper construction and adherence of which will let it successfully adapt to existing and possible changes and ensure effective financial activities. This article systematizes the theoretical understanding of the main elements in the bank's financial strategy during strategi

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Al-Harthy, Laila Saif Hamed, Revenio Jalagat, Jr., and Karima Sayari. "Determinants of bank profitability during oil price decline." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 8 (2022): 200–217. http://dx.doi.org/10.20525/ijrbs.v10i8.1519.

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This study examines the influence of macroeconomic factors, namely Inflation, Gross Domestic Production (G.D.P.) and changes in oil price and Bank-Specific Factors such as capital, asset size, liquidity risk, loan and deposit on bank profitability as measured by return on equity (R.O.E.) and net profit ratio (NPR) during the period of oil price decline, 2013-2017. The top 7 commercial banks were chosen as a sample of the study based on the availability of the data and the possible influence it can contribute to representing Oman's banking industry. The quantitative approach utilized appropriat

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Alam, Azhar, Eni Setyowati, Aditama Chandra Wiguna, and Renaldi Sahrul Nizam. "Analysis of the Influence of BOPO, NIM and Inflation on the Profitability of Bank BRI Syariah in 2013-2020." Talaa : Journal of Islamic Finance 2, no. 1 (2022): 33–56. http://dx.doi.org/10.54045/talaa.v2i1.505.

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This study analyzes factors affecting BRI Syariah Bank's profitability in Indonesia. This study sampled BRI Syariah Bank's 2013-2020 yearly financial statements that fit the study's requirements. Data for Bopo, Nim, Inflation, and Roa come from the official BRI Syariah bank and Bank Indonesia (BI) websites for 2013 – 2020. This study uses the ROA ratio as a metric of BRI Syariah Bank's profitability and BOPO, NIM, and Inflation as independent variables. This study uses the Ordinary Least Square (OLS) data analysis method to obtain a thorough picture of the relationship between variables using

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Ma, Weizhou, Yuanyuan Gu, Pengyu Chen, and Jiashu Pan. "Lesson from SVB Failure." Advances in Economics, Management and Political Sciences 82, no. 1 (2024): 315–23. http://dx.doi.org/10.54254/2754-1169/82/20230612.

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In the first quarter of 2023, Silicon Valley Bank declared bankruptcy. This paper's goal is to examine Silicon Valley Bank's collapse from the perspectives of the asset and liability side of the corporate annual report, interest rate, firm management, bank regulatory mechanism, and market impact. Silicon Valley's bank failures began with the Federal Reserve's rapid rise in interest rates over a short period of time. This paper also discusses the implications for the industry and the world as a whole by this declaration of Silicon Valley Bank's bankruptcy. In addition, by comparing the way Chin

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Budhathoki, Prem Bahadur, and Chandra Kumar Rai. "STAFF EXPENSES AND ITS EFFECT ON THE BANK'S NET PROFIT." Researcher: A Research Journal of Culture and Society 3, no. 3 (2018): 63–71. http://dx.doi.org/10.3126/researcher.v3i3.21550.

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The aim of the study is to explore the relationship between a net profit of Nepalese commercial banks with staff expenses and staff bonus. This study is based on panel data which is collected from five sampled banks through the review of the annual report during the study period of fiscal year 2012/13 to 2016/17. These collected data are analyzed by using descriptive statistics, Pearson correlation coefficient, and log-log multiple regression models. The Mini-Tab software is used for the analysis of data. The results indicate that the predictor variable staff expenses do not significantly impa

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KOSTYRIN, E. V. "ECONOMIC AND MATHEMATICAL MODEL OF MANAGING THE FINANCIAL RESOURCES OF COMMERCIAL BANK FROM OPENING AND MAINTAINING MEDICAL SAVINGS ACCOUNTS OF CITIZENS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 9 (2021): 85–92. http://dx.doi.org/10.36871/ek.up.p.r.2021.09.01.012.

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An economic and mathematical model of managing the financial resources of a commercial bank when opening and maintaining medical savings accounts of citizens was developed and implemented on the example of Sberbank PJSC in Moscow. The application of the model allows us to ensure the growth rate of PJSC's net profit from opening and maintaining medical savings accounts for the first year in the amount of 9,48%. Over the period of a person's labor activity (40 years), Sberbank's profit in this area will amount to 648 billion rubles, which is comparable to the bank's net profit for all its operat

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Rusmini, Ni Made, and Ade Maharini Adiandari. "Effect of Loan to Deposit Ratio (LDR) and BOPO on Profitability on PT BPR Bali Ambassador for the Year 2014-2018." Neraca : Jurnal Akuntansi Terapan 1, no. 2 (2020): 84–93. http://dx.doi.org/10.31334/neraca.v1i2.858.

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Profitability is the ability or ability of the bank to obtain profits or profits. The problem of profitability is very important because the bank's income is the main target that must be achieved by the bank because the main purpose of the bank is to achieve profit or profit. The higher the bank's profitability, the better the bank's performance. The formulation of the problem in this study is: whether the Loan to Deposit Ratio (LDR) and Operational Income Operating Costs (BOPO) simultaneously or partially affect the profitability of PT. BPR. Duta Bali for the period 2014-2018? This study aims

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Adeoti and Bankole Isaac Akinroluyo,. "CAPITAL ADEQUACY AND DEPOSIT MONEY BANK'S RETURN ON ASSET (ROA) IN NIGERIA." Finance & Accounting Research Journal 4, no. 1 (2022): 1–13. http://dx.doi.org/10.51594/farj.v4i1.284.

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This study investigated capital adequacy and Deposit Money Bank's (DMB) Return on Asset (ROA) in Nigeria in which the effect of capital to asset ratio on bank's profit margin and the relationship between solvency and asset turnover was examined. The study population of the study comprised Nigeria deposit money banks listed on the floor of Nigeria Stock Exchange as at 2021. Sample of bank selected was Zenith Plc, Guaranty Trust Bank Plc (GTB), First Bank Nigeria Limited, Access Bank Plc, and United Bank for Africa Plc based on global ranking order and the fact that they are listed on Nigeria St

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Hardi Fardiansyah, Nanda Dwi Rizkia, Irma Maria Dulame, and Rahmawaty Arifiani. "PROFIT SHARING FINANCING FACTORS IN ISLAMIC BANKING." GEMILANG: Jurnal Manajemen dan Akuntansi 3, no. 2 (2023): 94–101. http://dx.doi.org/10.56910/gemilang.v3i2.429.

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Sharia bank profit sharing financing is divided into mudharabah and musyarakah financing based on profit sharing or revenue sharing schemes. This scheme is very different from interest-based conventional bank credit. The aim of the study was to analyze the effect of third party funds (DPK), financing to deposit ratio (FDR), and non-performing financing (NPF) on financing for the results of Islamic banking in Indonesia. The study consisted of 35 observations covering the period August 2019 to August 2022. Data were analyzed using the multiple linear regression method. The research found that DP

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ARCHER, SIMON, and RIFAAT AHMED ABDEL KARIM. "ON CAPITAL STRUCTURE, RISK SHARING AND CAPITAL ADEQUACY IN ISLAMIC BANKS." International Journal of Theoretical and Applied Finance 09, no. 03 (2006): 269–80. http://dx.doi.org/10.1142/s0219024906003627.

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Islamic banks do not pay interest on customers' deposit accounts. Instead, customers' funds are placed in profit-sharing investment accounts (PSIA). Under this arrangement, the returns to the bank's customers are their pro-rata shares of the returns on the assets in which their funds are invested, and if these returns are negative so are the returns to the customers. The bank is entitled to a contractually agreed share of positive returns (profits) as remuneration for its work as asset manager; however, if the returns are zero or negative, the bank receives no remuneration but does not share i

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Biryukov, Alexander Nikolaevich. "FINANCIAL STABILITY OF A COMMERCIAL BANK IN THE TERMS IN SLOWING CONSUMER LENDING." Scientific Review: Theory and Practice 12, no. 6 (2022): 953–61. http://dx.doi.org/10.35679/2226-0226-2022-12-6-953-961.

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Financial stability is one of the fundamental indicators of the reliability and competitiveness of a banking organization. Its role in the financial reliability of the bank is difficult to overestimate, which determines the need for its analysis and evaluation. Maintaining and maintaining an optimal level of liquidity is the most important step towards achieving the sustainability of a commercial bank. This is a difficult task, the fulfillment of which can almost always be achieved only to one degree or another, since there is an inverse relationship between the bank's liquidity level and its

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Hanik, Nurma. "Perspektif Ekonomi Syariah Dalam Sistem Pembiayaan." Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam 8, no. 1 (2020): 62–77. https://doi.org/10.37812/aliqtishod.v8i1.148.

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The two main functions of banking are fundraising and channeling funds. The distribution of funds in conventional banks and those in Islamic banks has essential differences, both in terms of the name of the contract and the transaction. In conventional banking, this distribution of funds is known as credit, while in Islamic banking it is financing. In contrast to the definition of credit, which requires the debtor to return the loan by giving interest to the bank, financing based on the sharia principle of loan repayment with profit sharing is based on an agreement between the bank and the deb

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Sinuhaji, Endo Masika, and Nur Santri Yanti. "Faktor – Faktor yang Mempengaruhi Return on Asset PT. Bank Syariah Indonesia KCP Iskandar Muda." ManBiz: Journal of Management and Business 2, no. 1 (2024): 37–43. http://dx.doi.org/10.47467/manbiz.v2i1.5579.

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Analysis of profitability developments is one of the indicators carried out by banks to see or detect the magnitude of changes in the results of transactions carried out. Among them, measuring the level of profitability by measuring return on assets (ROA). The reason for using Return on Assets (ROA) to measure bank profitability is because Bank Indonesia, as a banking supervisor, prioritizes the profitability of a bank as measured by assets. Most of its funds come from public deposits. The higher the bank's profit, the better the bank's position on the use of assets. Therefore, ROA is used in

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L.Sainath yada, D r. T. Vara Lakshmi, and K. Anjali. "Financial Performance Analysis of ICICI Bank Using Ratio Analysis." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 05 (2024): 1691–93. http://dx.doi.org/10.47392/irjaem.2024.0244.

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Analysis of financial statement help in making future decision and strategy as it is necessary to depict the financial position which is based on the past and current records. The data is collected from the annual reports, secondary data and can be analyzed using ratio analysis. The aim is to evaluate the bank's operational efficiency, liquidity, solvency, and overall financial health over a specific period. Ratios such as profitability ratios (Return on Assets, Net profit margin), liquidity ratios (Current Ratio, Quick Ratio, Cash ratio), efficiency ratios (Asset Turnover Ratio, cost to incom

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Samanto, Hadi, and Nurul Hidayah. "Analisis Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Pada PT Bank BRI Syariah (Persero) 2013-2018." Jurnal Ilmiah Ekonomi Islam 6, no. 3 (2020): 709. http://dx.doi.org/10.29040/jiei.v6i3.1479.

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The purpose of this research is to determine the influence of the four aspects of RGEC on the assessment of the bank's health level at PT Bank Rakyat Indonesia Syariah. This research uses RGEC method consisting of risk profile, good corporate governace, earning and capital. The sampling techniques in this study used saturated sample methods. And the sample used in this study is the financial statements of PT. Bank BRI Syariah from 2013 to 2018. As one of the sharia public banks in Indonesia, BRI Syariah Tbk bank must maintain the bank's health level in the following years in order to maintain

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Sinuhaji, Endo Masika, and Nur Santri Yanti. "Faktor – Faktor yang Mempengaruhi Return on Asset PT. Bank Syariah Indonesia KCP Iskandar Muda." ManBiz: Journal of Management and Business 2, no. 1 (2022): 5–9. http://dx.doi.org/10.47467/manbiz.v2i1.1747.

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 Analysis of profitability developments is one of the indicators carried out by banks to see or detect the magnitude of changes in the results of transactions carried out. Among them, measuring the level of profitability by measuring return on assets (ROA). The reason for using Return on Assets (ROA) to measure bank profitability is because Bank Indonesia, as a banking supervisor, prioritizes the profitability of a bank as measured by assets. Most of its funds come from public deposits. The higher the bank's profit, the better the bank's position on the use of assets. Therefore, ROA is u

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Hidayati, Nur, and Yeni Purwitosari. "PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA." Jurnal Ilmu Manajemen (JIMMU) 5, no. 1 (2020): 68. http://dx.doi.org/10.33474/jimmu.v5i1.6725.

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The profit growth can be used as a measure of achievement of a bank in the assessment of bank performance. This can be achieved if the level of health of banks consisting Capital Adequacy Ratio, Assets Quality, Net Interest Margin, Return on Assets, Loan to Deposit Ratio and Interest Risk Ratio in accordance with the standards set by the government. For this study aims to assess how the influence of the bank to profit growth, particularly private banks non-foreign national 2013-2014 period amounting to 23 banks. By using hypothesis testing found that the Return On Asset and Loan to Deposit Rat

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Sari, Lili Puspita, and Govi Maulana. "Pengaruh Pendapatan Bagi Hasil Musyarakah, Bagi Hasil Mudharabah, dan Margin Murabahah terhadap Laba Bersih PT. Bank Muamalat Indonesia, Tbk." Jurnal Ilmiah Ekonomi Islam 9, no. 2 (2023): 2488. http://dx.doi.org/10.29040/jiei.v9i2.8986.

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One parameter to measure a bank’s success is net profit. The more the bank's revenue grows, the more it shows a strong performance. This research aims to determine the effect of revenue sharing from musyarakah, mudharabah, and murabahah margin income on the net profit of PT. Bank Muamalat Indonesia, Tbk with a time span of 2014 to 2021. The approach used in this research is a quantitative approach based on secondary data with the sample used in the report of PT. Bank Muamalat Indonesia, Tbk in 2014 to 2021. The data analysis method used is Multiple Linear Regression. The results showed that mu

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Rahman, Holilur, and Rif’atul Hasanah. "Analisis Sistem Bagi Hasil Produk Mudarabah pada Pembiayaan Modal Usaha Bank Syariah (Studi Kasus BPRS Bhakti Sumekar Kantor Cabang Pragaan)." Multiverse: Open Multidisciplinary Journal 2, no. 1 (2023): 105–12. http://dx.doi.org/10.57251/multiverse.v2i1.986.

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Business capital financing is a financial product offered by banks to support the growth and expansion of customer businesses. Customers or financed parties are required to repay the funds or bills within a specified period, in exchange for profit sharing. This study focuses on the profit sharing system in business capital financing products at BPRS Bhakti Sumekar Pragaan branch office, particularly examining its compliance with Islamic business ethics. Using qualitative field research, the study employed interviews with the branch office's leadership and accounting officers as the primary dat

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Rachman, Anggita Rismawati, Benny Barnas, and Ruhadi Ruhadi. "Pengaruh Deposito Mudharabah dan NPF Terhadap ROA dan Pembiayaan Bagi Hasil Sebagai Intervening pada Bank Umum Syariah." Journal of Applied Islamic Economics and Finance 1, no. 2 (2021): 499–510. http://dx.doi.org/10.35313/jaief.v1i2.2481.

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The researcher aims to discuss the factors that influence Return On Assets with the bank's internal variables as independent, namely Mudharabah Deposits, NPF and Profit Sharing Funding Value as intervening variables. To explain the direct and indirect effects of data analysis techniques used to use path analysis (Path Analysis) using SmartPLS 3.0 analysis software. The results showed that the Mudharabah Deposit had no effect, NPFt-1 had a negative effect and the Profit Sharing Funding Value had no effect on Return On Assets. Then Mudharabah Deposits do not have an effect on Return On Assets th

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Sumarto, Agus Herta, and Iman Sugema. "ANALISIS FRONTIER EFFICIENCY INDUSTRI PERBANKAN INDONESIA DENGAN MENGGUNAKAN METODE DISTRIBUTION FREE APPROACH." JURNAL EKONOMI DAN KEBIJAKAN PEMBANGUNAN 2, no. 2 (2018): 176–95. http://dx.doi.org/10.29244/jekp.2.2.2013.176-195.

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As an intermediary institution, bank has a very vital role in the economic development of a country so bank has to operate efficiently. The efficiency analysis can be conducted with the three approaches, namely cost efficiency, profit efficiency, and alternative profit efficiency. The three approaches can measured with two methode, parametric and non parametric. By using parametric methode (Distribution Free Approach), cost efficiency of 107 commercial banks operating for 10 years (2002- 2011), the average cost efficiency of banks in Indonesia is 0.6729. While the average value of the profit e

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Sumarto, Agus Herta, and Iman Sugema. "ANALISIS FRONTIER EFFICIENCY INDUSTRI PERBANKAN INDONESIA DENGAN MENGGUNAKAN METODE DISTRIBUTION FREE APPROACH." JURNAL EKONOMI DAN KEBIJAKAN PEMBANGUNAN 2, no. 2 (2018): 176–95. http://dx.doi.org/10.29244/jekp.2.2.176-195.

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As an intermediary institution, bank has a very vital role in the economic development of a country so bank has to operate efficiently. The efficiency analysis can be conducted with the three approaches, namely cost efficiency, profit efficiency, and alternative profit efficiency. The three approaches can measured with two methode, parametric and non parametric. By using parametric methode (Distribution Free Approach), cost efficiency of 107 commercial banks operating for 10 years (2002- 2011), the average cost efficiency of banks in Indonesia is 0.6729. While the average value of the profit e

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Ahmed, Mohammed Mustafa. "Impact of Non-Performing Assets on the Profitability of Banks: With reference to Cihan Bank." Tikrit Journal of Administrative and Economic Sciences 18, no. 60, 1 (2023): 799–816. http://dx.doi.org/10.25130/tjaes.18.60.1.44.

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Banking services are subject to a variety of hazards, including credit quality, liquidity, interests’ risk, market risk, operating risk, and management risk. The greatest exceptional risk is default on a loan. The level of non-performing assets or the redemption loans determine a bank's sound financial status (NPAs). And that the rise in nonperforming assets (NPAs) necessitated more judgment, resulting in poorer bank profitability overall. The main thing to remember is that decreasing the number of nonperforming assets (NPAs) is necessary for banks to increase their profitability. The impact o

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Li, Jiuding, and Youchuan Cui. "Challenges and measures faced by commercial banks under interest rate liberalization." BCP Business & Management 14 (November 24, 2021): 63–68. http://dx.doi.org/10.54691/bcpbm.v14i.129.

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the maturity of interest rate marketization marks the transformation of China's interest rate system from the traditional interest rate model to the new one.As an important participant in the reform of interest rate marketization, commercial banks are faced with many challenges, such as the decline of profit level, the substantial increase of operational risk, the increase of financial market instability, and the increase of liquidity risk.They should actively explore new business and management concepts, adopt measures to improve the prices of financial products and derivatives, introduce ris

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Kasih, Santi Yulia, and Rizal Fahlefi. "Saving Dan Investasi Dalam Produk Mudharabah Pada Lembaga Keuangan Syariah Analisis Komparatif Dengan Produk Konvensional." Al-bank: Journal of Islamic Banking and Finance 4, no. 2 (2024): 182. http://dx.doi.org/10.31958/ab.v4i2.13179.

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This research aims to determine the application of saving and investment inIslamic financial institutions and their comparison with conventional institutions. The method used in this research is qualitative research with an in-depth interview approach. In-depth interview approach. The results showed that saving products at LKS. LKS offers mudharabah savings, wadiah savings, and sharia current accounts with profits for customers calculated based on the profit-sharing ratio proportionally from the profit-sharing ratio. proportionally from bank's operating profit in accordance with the initial ag

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Wahyudi, Muhammad, Epita Ernawati Damanik, and Anggun Delpita Sari. "PENGARUH BAGI HASIL DAN INFLASI TERHADAP DANA PIHAK KETIGA PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH." Jurnal At-Tabayyun 6, no. 1 (2023): 38–46. http://dx.doi.org/10.62214/jat.v6i1.88.

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This study aims to examine the effect of profit sharing and inflation on third party funds in Islamic commercial banks and Islamic business units. Profit sharing is the main principle in the Islamic banking system, in which the bank's income is obtained through profit sharing with customers. Inflation, on the other hand, is a phenomenon of increasing the general price level in the economy. These two factors are believed to have a significant influence on third party funds, which are one of the main funding sources for Islamic banks. This research method uses a quantitative approach with multip

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Wiharso, Gani, and Wahid Akbar Basudani. "Analysis of the Impact of CR and DAR on NPM at PT Bank BNI Tbk for the Period 2013-2023." Dinasti International Journal of Management Science 6, no. 3 (2025): 375–80. https://doi.org/10.38035/dijms.v6i3.3885.

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This study aims to examine how the Current Ratio (CR) and Debt to Asset Ratio (DAR) influence the Net Profit Margin (NPM) of Bank Negara Indonesia (BNI) over the period from 2013 to 2023. The data used in this research consists of the bank's annual financial reports spanning 11 years, sourced internally from the bank. The research method applied is multiple linear regression analysis, with data processing carried out using SPSS software. The findings show that neither the Current Ratio nor the Debt to Asset Ratio significantly impacts the Net Profit Margin. The coefficient of determination is

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Ramadhan, Yanuar, Novi Afriyani Ramdani, Clarissa Tjandra, Siti Muallifah, and Roviuddin Roviuddin. "The Influence of Financial Statements on Investment Decision-Making at Bank Neo Commerce Based on the 2023 Financial Report." Eduvest - Journal of Universal Studies 5, no. 2 (2025): 2066–80. https://doi.org/10.59188/eduvest.v5i2.1621.

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This study analyzes the financial statements of Bank Neo Commerce for the year 2023 to evaluate financial performance and its impact on management and investment decisions. Data were obtained from the annual financial statements, including the balance sheet, income statement, cash flow statement, and statement of changes in equity. The analysis focused on liquidity, solvency, and profitability ratios to assess the bank's financial health and operational efficiency. The results indicate that Bank Neo Commerce experienced a 20% increase in total assets from IDR 8.3 trillion to IDR 10 trillion, w

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Putri Tika, Tri. "Determinants оf Profitability оf the Islamic Banking Industry in Indonesia". Modern Economics 31, № 1 (2022): 124–34. http://dx.doi.org/10.31521/modecon.v31(2022)-17.

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Abstract. Introduction. The indicator in the assessment of banking performance is the bank's ability to generate profits or profitability. Profitability is the bank's ability to generate profits from its capital and assets. The level of effectiveness of the bank in seeking or earning a profit can be seen from the income of an investment obtained from the sale or the banks' performance to earn a profit by measuring the level of profitability ratios in seeking profit. Purpose. This study aims to analyze the performance of Islamic banking in terms of profitability and the influence of Bank Size,

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Kusumasari, Indah, and Desta Rizky Kusuma. "ANALISIS PENGARUH KINERJA KEUANGAN BANK TERHADAP PERTUMBUHAN LABA (STUDI PADA BANK SWASTA DEVISA DI PASAR MODAL INDONESIA PERIODE 2013-2017)." Jurnal Fokus Manajemen Bisnis 8, no. 1 (2020): 67. http://dx.doi.org/10.12928/fokus.v8i1.1582.

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The purpose of this study is to prove the Influence of Bank's Financial Performance on Profit Growth (Study on Foreign Exchange Private Banks in the Indonesian Capital Market for 2013-2017). The data used in this study were obtained from the Publication of Foreign Exchange Private Bank Financial Reports published in Financial Services Orientation with period 2013-2017. The total population of this study was 44 companies and the number of samples was 21 companies through the purposive sampling stage. The data analysis technique in this study uses panel data multiple regression analysis. Based o

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LYSENOK, O.V. "Improvement of the essence and classification of bank's equity." Market Relations Development in Ukraine №1(224)2019 110 (March 6, 2020): 25–30. https://doi.org/10.5281/zenodo.3699058.

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The article examines the nature of the bank’s equity and its classification. The study concluded that the bank’s equity is a separate entity in the banking institution’s financial system, which is formed from the own funds of the bank’s shareholders, special funds and reserves, and provides financial and economic operations for profit. In addition, the classification of types of equity capital has been improved to include «economic capital» in the classification method of «calculation method», which reflects the system of relations between a bank

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Muchtar, Susy, and Karima Rahmania. "Pengaruh Karakteristik Bank dan Karakteristik Pasar Terhadap Kemungkinan Terjadinya Merger dan Akuisisi Pada Perbankan di Indonesia." Jurnal Manajemen dan Pemasaran Jasa 2, no. 1 (2009): 01. http://dx.doi.org/10.25105/jmpj.v2i1.528.

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<p class="Style1"><em>The purpose of this research is to examine the effect of bank's characteristics and </em><em>market characteristicstoward the probability of merger and acquisition in Indonesian </em><em>Banking. The type of data used in this research is secondary data which is collected </em><em>from Indonesia Stock Exchange and CD Room of Trisakti University. The Sample </em><em>examined in this research consist of 22 listed commercial banks, which 9 of it have </em><em>been acquired between 2003 and 2007 using purp

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АФАНАСЬЕВ, И. Ю. "BUSINESS MODELS AT THE HEART OF THE BASIS OF BANKING ACTIVITY: INTERCONNECTION AND INTERDEPENDENCE." Экономика и предпринимательство, no. 8(169) (August 30, 2024): 1257–61. http://dx.doi.org/10.34925/eip.2024.169.8.233.

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Целью статьи является исследование теоретических основ развития бизнесмоделей, заложенных в основу банковской деятельности и предложение мероприятий в сфере совершенствования определения их структурных индикаторов. В исследуемом аспекте бизнес-модели банка представлены в качестве системы характеристик для выбранной банком деятельности, которая отражает особенности услуг, продуктов и операций для реализации потребностей целевых клиентов, источники получения прибыли, параметры стратегических целей и путей их достижения, а также особенности профиля риска, выступающая в виде классификации основных

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Goodland, Robert J. A. "Environmental Priorities for Financing Institutions." Environmental Conservation 19, no. 1 (1992): 9–21. http://dx.doi.org/10.1017/s0376892900030204.

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The reasons which recently forced the World Bank into environmental improvements are discussed, so that other financial institutions can profit from this experience. The reasons include due recognition that environmental abuse is constraining economic development, that environmental damage has now assumed massive proportions, and that such abuse is intensifying. The electorates of the World Bank's industrial shareholding nations began to pressure their representatives. Advocates of the poor, and of people affected by environmentally-bungled development projects, joined forces with environmenta

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Guntama, Resta, and Winda Rika Lestari. "Analysis of Liquidity Credit Risk and Interest Rates on the Profitability of Conventional Commercial Banks Listed on the Indonesia Stock Exchange 2019-2023." GEMA : Jurnal Gentiaras Manajemen dan Akuntansi 16, no. 2 (2012): 175–82. https://doi.org/10.47768/gema.v16i2.202406.

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One indicator to see whether a bank's performance is good or bad can be seen from its profitability analysis. Profitability is a profit ratio to measure how much profit the company obtains. The criteria set by Bank Indonesia regarding the soundness of earnings factors are ROA > 1.5%. Factors that can influence the profitability of a bank are Non-Performing Loans (NPL). Financing to Deposit Ratio (FDR) and BI Rate. The results of the Credit Risk (NPL) analysis show a negative and significant influence on Return On Assets (ROA). Partially, the Financing to Deposit Ratio (FDR) has no effect on

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Hasan, Zulfikar, and Erik Susanto. "INTEREST AND PROFIT SHARING INSTRUMENTS IN THE BANKING WORLD." Indonesian Scientific Journal of Islamic Finance 2, no. 2 (2024): 152–66. https://doi.org/10.21093/inasjif.v2i2.8025.

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This article attempts to examine the concept of interest instruments in conventional banking and profit-sharing instruments in Islamic banking and their implications for investment and financing for customers according to the perspective of the principle of justice in Islamic economics. This study uses the research library method, and the researcher analyzes relevant secondary data related to this discussion. Data was sourced from journals, books, and other reading materials. This study uses a phenomenological approach to describe the overall problem of the people who experience it directly, i

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ТОКТАРХАНОВА, Б. Т., та Н. К. АБДИГАЛИЕВА. "Екінші деңгейдегі банктің ресурстарын басқару". Industrial transport of Kazakhstan, № 4(77) (28 грудня 2022): 157–66. http://dx.doi.org/10.58420/itk.2022.77.4.015.

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Деятельность любого банка связана с работой различных активов, формирующихся из разных источников, это и активы, и пассивы. Сегодня в условиях экономических спадов особо остро стоит вопрос в управлении ресурсами банка второго уровня. Эффективное управление ресурсами банка позволяет акционерам получать прибыль, поддерживать текущий рейтинг, позволяет своевременно отвечать по своим обязательствам как перед другими банками, так и перед вкладчиками, которые разместили свои средства доверившись банку. Таким образом, пути совершенствования управления ресурсами банка являются одними из ключевых в стр

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