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Journal articles on the topic 'Reserve deposit ratio'

Author: Grafiati

Published: 10 September 2021

Last updated: 29 July 2025

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1

Nnajieze, Ifeyinwa Elizabeth. "Relationship Between Liquidity Management and Deposit Mobilization of Banks in Nigeria." European Journal of Accounting, Auditing and Finance Research 12, no. 11 (2024): 26–43. https://doi.org/10.37745/ejaafr.2013/vol12n112643.

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This study investigates the relationship between liquidity management and deposit mobilization of banks in Nigeria. The study, which examines the impact of liquidity management measures, including the cash-to-current asset ratio, the current ratio, and the cash reserve ratio, expresses a well-founded view that, while both the cash-to-current asset ratio and current ratio do not significantly affect total deposits, the cash reserve ratio shows a significant positive correlation between it and deposits. These results confirm that cash reserves serve as a primary function for depositor satisfacti

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2

Olofin, Abiona Jeremiah, Taiwo Adewale Muritala, Faiza Maitala, Hauwa Lamino Abubakar, and Stanley Nwannebuife Ajalie. "THE IMPACT OF LIQUIDITY RISK ON PROFITABILITY OF LISTED DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Professional Business Review 9, no. 6 (2024): e4777. http://dx.doi.org/10.26668/businessreview/2024.v9i6.4777.

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Objective: The study examined the relationship between liquidity risk and the profitability of Nigeria's listed deposit money banks in Nigeria over a 16 years period from 2008 to 2023. Method: Panel data on cash reserve ratio, liquidity ratio, loan to deposit ratio, and return on equity were collected from the annual reports and financial statements of the five systemic banks listed on Nigerian Exchange Group from 2008-2023. Ordinary least square regression analysis, panel unit root test, Hausman test were used in analysing the data. Results: The study found a significant positive relationship

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3

Xie, Fengqi. "Research on the Impact of Digital Currency on the Money Multiplier: Insights from the Money Multiplier Formula." Proceedings of The International Conference on Modern Research in Management, Economics and Accounting 1, no. 1 (2024): 48–60. http://dx.doi.org/10.33422/meaconf.v1i1.229.

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This study examines the impact of digital currencies on the money multiplier. Through a comprehensive analysis of various factors, including cash leakage rate, deposit reserve ratio, time deposit ratio, and the proportion of digital currencies in circulation, the study reveals important insights into the relationship between digital currencies and the money multiplier. The findings indicate that the adoption of digital currencies reduces cash leakage rate by providing an alternative to traditional cash, thereby expanding the money multiplier. Digital currencies also influence deposit reserve r

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Uwaleke, Uche, and Orimisan Akinnagbe. "EFFECT OF LIQUIDITY RISK ON THE FINANCIAL PERFORMANCE OF LISTED DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Advanced Studies in Economics and Public Sector Management 11, no. 1 (2023): 51–71. http://dx.doi.org/10.48028/iiprds/ijasepsm.v11.i1.06.

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This study investigates the effect of liquidity risk on the performance of listed deposit money banks in Nigeria. The research adopts ex post facto research design. The target population comprised of the 13 deposit money banks listed on the Nigeria Exchange Limited (NGX) between 2006 - 2021. Secondary data was collected from the audited annual reports of the listed deposit money banks and the Central Bank of Nigeria. The study measure liquidity using loan-to-deposit-ratio, loan to assets ratio, and cash reserve ratio on the financial performance of listed deposit money banks in Nigeria. The st

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5

Obiaje, Elizabeth, and Richard Umeokwobi. "Impact of Monetary Policy on the Performance of Commercial Banks: Evidence from Nigeria: 2008-2023." Financial Economics Letters 3, no. 3 (2024): 25–35. https://doi.org/10.58567/fel03030003.

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This paper investigates the impact of monetary policy on the performance of deposit money banks in Nigeria, using monthly data series spanning the period 2008 to 2023. Total private sector credit of deposit money banks was used to proxy the performance of deposit money banks while money supply, monetary policy rate, cash reserve ratio, and maximum interest rate were used as proxies for monetary policy. The Ex-post Facto research design was adopted in this study. Data on total private sector credit of deposit money banks, money supply, monetary policy rate, cash reserve ratio, and maximum inter

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Santi Tyas Sasmita, Shinta Noor Anggraeny, and RB. Iwan Noor Suhasto. "Pengaruh Loan Deposit Ratio, Liquidity Reserve Requirement Ratio, Leverage dan Ukuran Perusahaan Terhadap Window Dressing (Perusahaan Perbankan Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2018-2022)." Jurnal Ekonomi, Akuntansi, dan Perpajakan 1, no. 4 (2024): 44–58. http://dx.doi.org/10.61132/jeap.v1i4.361.

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This research aims to determine the influence of Loan Deposit Ratio (LDR), Liquidity Reserve Requirement Ratio (LRRR), Leverage, and Company Size on Window Dressing. The independent variables in this research are Loan Deposit Ratio (LDR), Liquidity Reserve Requirement Ratio (LRRR), Leverage, and Company Size. The dependent variable in this research is Window Dressing. This research uses secondary data obtained from the company's annual financial reports and quarterly reports, accessed via the website www.idx.co.id. The population in this study was 46 conventional general banking companies list

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7

Alalade, Yimka S. A., Ezekiel Oseni, and Olusegun A. Adekunle. "Monetary Policy and Financial Performance of Deposit Money Banks in Nigeria." Asian Social Science 16, no. 11 (2020): 123. http://dx.doi.org/10.5539/ass.v16n11p123.

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This study considered the influence of monetary policy on the financial performance of deposit money banks in Nigeria. The study engaged the use of a time series data for 35 years, from the period 1984 to 2018; all deposit money banks as captured by the Central Bank of Nigeria Statistical Bulletin (2015) were considered. The effect of liquidity ratio, lending rate, loan to deposit ratio and cash reserve ratio were examined on the financial performance of deposit money banks measured by their net worth and total credits. The data was analyzed using descriptive and inferential statistics. Based

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O. D., Adekunle,, Oke, A., and Fasusi, O. C. "Monetary Policy and Financial Performance of Listed Deposit Money Banks in Nigeria." African Journal of Accounting and Financial Research 7, no. 3 (2024): 160–75. http://dx.doi.org/10.52589/ajafr-g7zd3t9q.

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This study examines the relationship between monetary policy rates and financial performance of listed Deposit Money Banks (DMBs) in Nigeria between 2013 and 2022. The study took a sample of the five largest banks in the country which includes First Bank, United Bank for Africa, Guaranty Trust Bank, Access Bank and Zenith Bank, colloquially known as the FUGAZ, being an acronym of the first letters of their names. The study therefore measured bank financial performance by net income and loan to deposit ratio while the monetary policy variables include interest rate, inflation rate, cash reserve

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Sari, Pristin Prima, Ardian Prima Putra, and Risal Rinofah. "Granger Causality Test of Net Interest Margin and Liquidity." Jurnal Analisis Bisnis Ekonomi 18, no. 2 (2020): 111–22. http://dx.doi.org/10.31603/bisnisekonomi.v18i2.3821.

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The study aims to compute causality Granger test on Net Interest Margin (NIM) and liquidity Bank Listed in Indonesia Stock Exchange for the period 2014-2018. Variable of liquidity uses proxies Legal Reserve Requirement (LRR) and Loan to Deposit Ratio (LDR). The statistics tool is E-Views 8th with Granger Causality test. The Data research is financial statement Bank in IDX. We provide finding in the relationship among NIM, LRR and liquidity ratio Bank. We found result that there is Granger causality NIM and LRR, NIM and Loan to Deposit Ratio (liquidity) and Reserve Requirement and LDR. The stud

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10

Fernandez, Diana. "Optimizing Financial Performance: Deciphering the Interplay of Liquidity and Profitability in Bank Muscat, Sultanate of Oman." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 02 (2024): 1–13. http://dx.doi.org/10.55041/ijsrem28562.

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This study explores the intricate relationship between liquidity and profitability at Bank Muscat, Oman, examining various financial indicators such as Cash Reserve Ratio (CRR), Total Deposits to Total Assets (TDTA), Capital Adequacy Ratio (CAR), Total Loans to Total Deposits (TLTD), Liquid Assets to Total Assets (LATA), Liquid Assets to Total Deposits (LATD) and Liquidity Risk Exposure (LRE). The findings reveal that Liquid Assets to Total Assets (LATA) significantly correlates with Return on Assets (ROA), while other indicators show varied relationships. Notably, the Capital Adequacy Ratio (

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

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

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12

Goet, Jogindar. "Liquidity and Profitability of Low and High Turnover Commercial Banks in Nepal." Management Dynamics 24, no. 1 (2021): 43–54. http://dx.doi.org/10.3126/md.v24i1.47543.

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This paper explores the effect of several bank-specific variables, including capital and liquidity, on the profitability of listed commercial banks operating in Nepal. Factors of banks’ profitability like net profit ratio, return on assets, and return on equity have been assessed by the panel data (10 observations) of six listed banks out of twenty-seven banks. In this study, liquidity has been quantified in regulatory capital, loan and advance to total deposit, liquid assets to total assets, liquid assets to total deposit, and cash reserve ratio. This study found a significant correlation bet

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13

van Schalkwyk, Garth J., and Peter J. Witbooi. "A model for bank reserves versus treasuries under Basel III." Applied Stochastic Models in Business and Industry 33, no. 2 (2017): 237–47. http://dx.doi.org/10.1002/asmb.2238.

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Recently, the Basel Committee on Banking Supervision introduced strategies to protect banks from running out of liquidity. These measures included an increase of the minimum reserves that the bank ought to hold, in response to the global financial crisis. We propose a model to minimize risk for a bank by finding an appropriate mix of diversification, balanced against return on the portfolio. In particular, we consider jump diffusion models of bank reserves in order to address the risk due to deposit withdrawals. We formulate a stochastic optimal control problem related to the minimization of d

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14

Khairi, Fachri Randa, Edyanus Herman Halim, and Andewi Rokhmawati. "The effect of capital adequacy ratio, loan-to-deposit ratio, non-performing loan, and operational efficiency on the rate of return on assets with allowance for impairment losses as moderating variable in conventional banks listed on the Indonesian stock." International Journal of Economic, Business & Applications 9, no. 1 (2024): 1–16. http://dx.doi.org/10.31258/ijeba.91.

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This study is quantitative research focusing on the effect of specific financial ratios, namely the capital adequacy ratio, loan-to-deposit ratio, non-performing loan, and operating costs on operating income ratio (BOPO), on the return on asset level with impairment loss reserves as moderating variables. The population in this study were conventional banking companies listed on the Indonesia Stock Exchange (IDX) during the 2018-2021 period. A sample of 26 companies was selected using purposive sampling. The data was processed using moderation regression analysis. The results showed that the ca

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15

Azis, Muhammad Jundi Haikal, and Yazid Fanani. "Calculation of coal resources and reserves using the cross-section method in the mining plan area of PT. Sentosa Prima Coal in Mersam District, Batang Hari District, Jambi." Journal of Earth and Marine Technology (JEMT) 3, no. 1 (2022): 19–23. http://dx.doi.org/10.31284/j.jemt.2022.v3i1.3603.

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PT. Sentosa Prima Coal is a company engaged in the Coal sector. This company is located in Mersam District, Batanghari Regency, Jambi Province. The area of the mining business permit of PT. Sentosa Prima Coal of 2000 Ha. Mining activities require reserve calculations before mining activities are carried out, including making a coal deposit model, calculating coal resources, pit design, calculating coal reserves, and calculating the stripping ratio (SR) value, so that later the number of coal reserves can be obtained and obtain a deposit model. The modeling and calculation of reserves were carr

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16

Asobari, Wisdom Johnny, and Emmanuel John Christian. "MONETARY POLICY AND PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA." GPH-International Journal of Business Management 06, no. 07 (2023): 68–84. https://doi.org/10.5281/zenodo.8124379.

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<em>This study empirically investigates the effect of monetary policyon the performance of deposit money banks (DMBs) in Nigeria’s economy for the period of 1990 to 2021. The study is based on the quantity theory of money and for theachievement of its objectives liquidity ratio (LQR), cash reserve ratio (CRR), prime lending rate (PLR) and exchange rate (EXR) were used to proxy monetary policy which is the study’s explanatory variable. Also, banks’ performance being the dependent variable of the study was proxied with the ratio of their return on assets to gross domestic produ

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Dhodary, Shanker, and Churamani Pandeya. "Credit risk Management and Profitability: Empirical Evidence from Commercial banks in Nepal." DEPAN 6, no. 1 (2024): 1–11. https://doi.org/10.3126/depan.v6i1.75475.

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The study focuses on credit risk management and the profitability of Nepalese commercial banks, using a sample of five banks Nepal SBI, Nabil, Sanima, NIC Asia, and Agricultural Development Bank Limited selected from 20 commercial banks. The primary aim is to analyze the impact and relationship between credit risk management and the profitability of these banks. The sample selection was based on judgment, covering 50 observations over ten years of annual financial data. A descriptive and causal-comparative research design was adopted. Statistical tools such as mean, standard deviation, and coe

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18

Hassan, Adamu, and Zubairu Ahmad. "Monetary Policy Shocks and Health of the Banking Sector in Nigeria." East African Scholars Journal of Economics, Business and Management 5, no. 8 (2022): 236–44. http://dx.doi.org/10.36349/easjebm.2022.v05i08.006.

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This study examines the reaction of banking sector health to the shocks of monetary policy in Nigeria using a monthly time series dataset from January 2010 to December 2021. In the estimate instruments of monetary policy such as monetary policy rate, open buyback, treasury bills, liquidity ratio and cash reserve ratio were used while banking sector health was measured as loan-to-asset-ratio and loan-to-deposit ratio. In addition, the impulse response function was used as the technique of analysis. The results of this study reveal that monetary policy rate and cash reserve ratio impulse adverse

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19

Sososutiksno, Christina, Loudrik Talabessy, and Franco Benony Limba. "Pengaruh Cadangan Kerugian Penurunan Nilai, Non-Performing Loans, dan Loan to Deposit Ratio Terhadap Profitabilitas pada Perusahaan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia." Jurnal Ilmiah Raflesia Akuntansi 10, no. 1 (2024): 417–26. https://doi.org/10.53494/jira.v10i1.441.

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One sector that has enormous power to influence a country's economy is the banking sector. The health of a bank can be seen by achieving profitability through the ROA ratio. The change in accounting standards towards PSAK 71, which is effective since January 1, 2020, requires banks to make reserves using the method of expecting future losses. This study aims to empirically examine the effect of Impairment Loss Reserves, Non-Performing Loans, and Loan to Deposit Ratio, on company profitability. Using multiple linear regression analysis, this research was conducted on banking sector companies li

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20

Okonkwo, Jisike Jude, Okere Wisdom, and John Nonso Okoye. "The Impact of Quantitative Tools of Monetary Policy on the Performance of Deposit Money Banks in Nigeria (1986-2019)." South Asian Journal of Social Studies and Economics 20, no. 2 (2023): 45–55. http://dx.doi.org/10.9734/sajsse/2023/v20i2698.

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The goal of this study is to provide empirical evidence about the impact of commercial bank Treasury bill subscription, monetary policy rate, liquidity ratio, and cash reserve ratio on the profitability of Nigerian deposit money banks. The ex post facto research design was adopted for this investigation. Ordinary Least Square was utilized for a regression analysis of the data. According to the results, there is a strong correlation between treasury bills subscription and private sector lending. The research found that the cash reserve ratio correlates highly with private sector lending. The re

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Narmeen, Sakina, Irum Saba, Rehana Kouser, and Haris Khurram. "Why Banks Need Adequate Capital Adequacy Ratio? A Study of Lending & Deposit Behaviors of Banking Sector of Pakistan." Journal of Accounting and Finance in Emerging Economies 4, no. 1 (2018): 1–16. http://dx.doi.org/10.26710/jafee.v4i1.343.

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This study focuses on the impact of Capital Adequacy Ratio on bank’s lending and deposit behavior and also on the importance of maintaining certain level of capital reserve. CAR is examined using two different ratios leverage ratio and risk-based capital ratio. This study is beneficial for the banking industry in determining enough CAR and to make decision for taking deposits and issuing loans. The sample of the study includes 25 banks of Pakistan; 20 conventional and 5 Islamic banks and the study period is of 10 years. Panel data methodology is used. Data is collected from secondary sources.

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Satria, Dadang M., Cicilia A. Harun, and Aditya Anta Taruna. "The Macro-prudential aspects of loan-to-deposit-ratio-linked reserve requirement." Applied Economics 48, no. 1 (2015): 24–34. http://dx.doi.org/10.1080/00036846.2015.1073840.

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23

Buchory, Herry Achmad. "Banking Profitability: How do the banking intermediary, secondary reserve, operational efficiency, and credit risk effect?" GATR Journal of Finance and Banking Review Vol. 8 (2) July - September 2023 8, no. 2 (2023): 85–96. http://dx.doi.org/10.35609/jfbr.2023.8.2(1).

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Objective – A Bank is a financial institution that collects and distributes funds to the public to obtain Profitability. The Covid-19 pandemic has affected the economic sector, especially the banking sector. The intermediation function needs to run optimally, increasing investment in secondary reserves, decreasing operational efficiency, increasing credit risk, and reducing bank profitability. The research aimed to determine the effect of Banking Intermediation, Secondary Reserves, Operational Efficiency, and Credit Risk on Profitability at Regional Development Banks in Indonesia for the 2019

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Buchory, Herry Achmad, and Jadi Kusmaryadi. "The Effect of Banking Intermediation, Secondary Reserve, Operational Efficiency, and Credit Risk on Banking Profitability (Study at Regional Development Banks in Indonesia Period 2019 – 2022)." 15TH GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES ON 14 - 15 SEPTEMBER 2023, NOVOTEL BANGKOK PLATINUM PRATUNAM, THAILAND 15, no. 1 (2023): 58. http://dx.doi.org/10.35609/gcbssproceeding.2023.1(58).

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Banks are intermediary financial institutions that collect and distribute funds to the public with the aim of obtaining profitability. The occurrence of the Covid-19 pandemic has affected the economic sector, especially the banking sector. The intermediation function is not running optimally, increasing investment in the form of secondary reserves, decreasing operational efficiency, increasing credit risk, and decreasing bank profitability. This research was conducted with the aim of knowing the effect of Banking Intermediation, Secondary Reserves, Operational Efficiency, and Credit Risk on Pr

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Uprety, Ajit. "Impact of Financial Risk Factors on Profitability of Nepalese Commercial Banks." Nepalese Journal of Business 11, no. 4 (2024): 198–217. https://doi.org/10.3126/njb.v11i4.79743.

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The study examines the impact of financial risk factors on profitability of Nepalese commercial banks. Return on assets and net interest margin are selected as the dependent variables. The selected independent variables are non-performing loan, capital adequacy ratio, loan to deposit ratio, cash reserve ratio, operating cost ratio and exchange rate. The study is based on secondary data of 14 commercial banks with 112 observations for the period from 2014/15 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, publications and websites of Nep

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Rana, Sangita. "Effect of Financial Risk, Capital Structure and Banking Liquidity on the Profitability of Nepalese Commercial Banks." Nepalese Journal of Finance 11, no. 4 (2024): 61–83. https://doi.org/10.3126/njf.v11i4.79770.

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This study examines the effect of financial risk, capital structure and banking liquidity on the profitability of Nepalese commercial banks. Return on asset and return on equity are selected as the dependent variables. Similarly, debt equity ratio, debt assets ratio, cash reserve ratio, credit to deposit, loan loss provision, non-performing loan and operational efficiency are selected as the independent variables. This study is based on secondary data of 16 commercial banks with 112 observations for the study period from 2015/16 to 2021/22. The data were collected from Banking and Financial St

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Zadoia, Yurii A. "ГРОШОВО-КРЕДИТНА МУЛЬТИПЛІКАЦІЯ ТА ПРОБЛЕМИ ІНФЛЯЦІЇ". Європейський вектор економічного розвитку 2, № 33 (2022): 37–49. http://dx.doi.org/10.32342/2074-5362-2022-2-33-3.

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The article is devoted to the study of the dynamics of indicators of monetary and credit multiplication in Ukraine over the past 20 years and the empirical verification of a number of theoretical propositions regarding the relationship between the dynamics of the money supply and inflation. To assess the state of monetary and credit multiplication, it is proposed to use three indicators: deposit multiplier; credit-money multiplier, and actual money multiplier. Methodological approaches to the calculation of the indicated indicators are reasoned. A method of calculating the deposit multiplier i

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Kristiawan, Rochmad, and Prasetiono Prasetiono. "PENGARUH SIZE, NPL, EQUITY TO ASSET RATIO, LDR, GWM, LABOR PRODUCTIVITY DAN MARKET CONCENTRATION TERHADAP KINERJA BANK (Studi pada Bank Umum Konvensional yang Terdaftar di BEI Tahun 2014-2018)." JURNAL STUDI MANAJEMEN ORGANISASI 17, no. 1 (2022): 61–70. http://dx.doi.org/10.14710/jsmo.v17i1.39203.

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The existence of different levels of bank’s performance in each Indonesian banks and the existence of banks with under level performance makes research on the factors that influence bank’s performance becomes more important to be examined. The aim of the research is to analyze the effect of size, size, Non-performing Loan (NPL), Equity to Asset Ratio (EAR), Loan to Deposit Ratio (LDR), reserve requirement (GWM), labor productivity and market concentration (which is proxied by market share of each bank) on the performance of listed conventional banks in Indonesia. The bank’s performance in this

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Aulia, Rifka Mifta, and Lina Nugraha Rani. "PENGARUH KINERJA KEUANGAN DAN EFISIENSI TERHADAP RATE OF RETURN SIMPANAN MUDHARABAH BANK UMUM SYARIAH." Jurnal Ekonomi Syariah Teori dan Terapan 8, no. 1 (2021): 1. http://dx.doi.org/10.20473/vol8iss20211pp1-7.

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ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Giro Wajib Minimum (GWM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Capital Adequacy Ratio (CAR) terhadap Rate of Return (ROR) Bank Syariah. Random Effect Model (REM) digunakan dalam penelitian ini untuk menguji hubungan variabel independen terhadap variabel dependen, baik secara parsial maupun simultan. Hasil penelitian menunjukkan bahwa Return on Assets (ROA), Return on Equity (ROE), dan

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Pandeya, Ganga Kumari. "Determinants of Lending Behavior in Nepalese Commercial Banks." Nepalese Journal of Finance 11, no. 4 (2024): 22–40. https://doi.org/10.3126/njf.v11i4.79767.

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The study examines the determinants of lending behavior in Nepalese commercial banks. Loans and advances and credit to deposit ratio are selected as the dependent variables. The selected independent variables are volume of deposit, bank size, liquidity ratio, lending interest rate, inflation rate and cash reserve ratio. The study is based on secondary data of 15 commercial banks in Nepal with 105 observations for the study period from 2015/16 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, publications, website of Nepal Rastra Bank (NRB

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Tajudeen Idera Abdulmajeed, Salihu Liman Mairafi, PhD, and Yahya Uthman Abdullahi, PhD. "Monetary Policy and Commercial Banks’ Credit to Agricultural Sector: A Study of Nigeria." UMYU Journal of Accounting and Finance Research 5, no. 1 (2023): 84–96. http://dx.doi.org/10.61143/umyu-jafr.5(1)2023.007.

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This study examines the relationship between monetary policy and commercial banks credit to agricultural sector in Nigeria with uses of secondary data for the period 1981 to 2021 by applying Autoregressive Distributed Lag technique. Result from this study shown that, liquidity ratio, monetary policy rate, loan to deposit ratio and cash reserve ratio have no significant influence on commercial banks credit to agricultural sector in Nigeria. On the other hand the treasury bill ratios has significant positive effect on commercial banks credit allocated to agricultural sector in Nigeria. The study

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Taiwo Adedayo, Akinsanya, Sheriffdeen A. Tella, and Oseni I.O. "MONETARY POLICY MANAGEMENT AND ECONOMIC GROWTH IN NIGERIA: NEW LESSONS RELEARNED." Kampala International University Interdisciplinary Journal of Humanities and Social Sciences 2, no. 2 (2021): 113–31. http://dx.doi.org/10.59568/kijhus-2021-2-2-10.

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This research study examines the existing links between monetary policy management and economic growth in Nigeria within the period 1960-2018. An autoregressive distributed lag (ARDL) approach was employed to evaluate the cointegration as well as the short-run and long-run estimates. The findings showed that a long-run relationship exists between monetary policy and economic growth within the periods understudied. Concerning the estimated parameters, the results reported that interest rate, deposit rate and liquidity ratio positively drive short-run output growth whereas, monetary policy rate,

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Chusi, Tafuteni, Joseph Budili, and Hozen Mayaya. "IMPACTS OF QUANTITATIVE MONETARY POLICY TOOLS ON DEPOSIT PERFORMANCE OF COMMERCIAL BANKS, A CASE OF CRDB Plc, TANZANIA." American Journal of Economics 6, no. 2 (2022): 26–36. http://dx.doi.org/10.47672/aje.1024.

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Purpose: Monetary policy is a measure designed by the central banks to regulate the quality of money in circulation. This study investigates the impacts of quantitative tools of monetary policy instruments on the performance of deposit of commercial banks, a case of CRDB bank. Specifically, the study establishes the significant effect of Cash reserve ratio, liquidity ratio and bank discount rate on the deposit performance of the bank. Methodology: To address these objectives, research questions, stated hypothesis and relevant data mainly from secondary sources were included. The secondar

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Hou, Ye. "A Study on the Impact of Monetary Policy Adjustment on Commercial Bank Credit Behavior." Advances in Economics, Management and Political Sciences 160, no. 1 (2025): 74–79. https://doi.org/10.54254/2754-1169/2025.19785.

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This paper deeply combines the economic theory and related literature, and systematically discusses the complex and far-reaching influence mechanism of monetary policy on the credit behavior of commercial banks. Monetary policy, as the key lever of macroeconomic regulation and control, indirectly but profoundly affects the credit supply capacity, financing cost structure and risk appetite of commercial banks through various means such as interest rate policy, flexible adjustment of deposit reserve ratio and open market operation, so as to achieve effective regulation of real economic activitie

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Syamlan, Yaser Taufik, and Nur Istiana. "DOES FRACTIONAL RESERVE BANKING SYSTEM EXIST IN INDONESIAN ISLAMIC BANKING?" Journal of Islamic Monetary Economics and Finance 4, no. 2 (2019): 369–400. http://dx.doi.org/10.21098/jimf.v4i2.1009.

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Fractional Reserve Banking is the banking and financial system that have been applied in most countries around the world. This research aims to look at the impact empirically and at the contributions given from the components of fractional reserve banking against inflation that occurs in Sharia Commercial Banks and Sharia Business Unit. The fractional reserve banking components covered in these studies are statutory reserve requirement, total deposit, total financing, Mismatch Ratio, and Total non-performing financing. This research is using VAR VECM and ECM as analysis tools and also collecti

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Arby, M. Farooq. "Predicting Money Multiplier in Pakistan." Pakistan Development Review 39, no. 1 (2000): 23–35. http://dx.doi.org/10.30541/v39i1pp.23-35.

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The paper has developed time-series models for the monthly money multiplier and its components, viz., currency-deposit ratio, reserve-deposit ratio, etc. A comparison is made between the predictive performance of the aggregate multiplier and the component models. It is found that the projected values of the multiplier on the basis of the aggregate model are closer to actual values as compared to those worked out on the basis of the component models. Thus, for the purposes of projecting the money multiplier, it may be preferable to focus on the aggregate money multiplier model. Stability tests,

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Myo, Min, Thiri Sandar Aung Myo, and War Chaw Yu. "Economic Aspects of Feldspar in the Hlaingdet-Payangazu Area, Thazi Township, Mandalay Division." Dagon University Research Journal Vol.3, no. 2011 (2019): Pg.173–185. https://doi.org/10.5281/zenodo.3542359.

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The Hlaingdet-Payangazu area is the southern extension of the Pyetkyawe batholith and small amount of metamorphic rocks are formed as the roof pendants. This study focuses on the nature of pegmatite and their geometry, types of feldspar consisting in the pegmatites and reserved estimation of the feldspar based on the quality. The pegmatite dykes and veins are mostly found in the western part of the area. The length of the pegmatite varies from 610 to 6100 cm and 305 to 610 cm in width. The most common type of feldspar is orthoclase-rich alkali feldspar. The trend of pegmatite dyke is NNE-SSW i

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N, Elly Soraya, and Rika Safitri. "PENGARUH GIRO WAJIB MINIMUM, BI RATE DAN INFLASI TERHADAP LOAN TO DEPOSIT RATIO." Kinerja 1, no. 02 (2019): 1–19. http://dx.doi.org/10.34005/kinerja.v2i01.475.

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The purpose of this research is to analyze the influence of Minimum statutory reserve, BIRate, and Inflation towards Loan to Deposit Ratio. Population in this research used JointVenture Bank in Indonesian Banking Directory during period 2013 through 2017.Purposive sampling method were used as samples determining method and 14 bankselected as the sample of the research. This type of research is descriptive quantitative.Presentation and analysis of research data using descriptive statistical analysis, paneldata regression models, data estimation methods namely Chow Test, classicalassumption anal

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Shafiin, Azhar, Ahmad Amir Aziz, Sanurdi Sanurdi, and Herawati Khotmi. "Rasio Keuangan Terhadap Profitabilitas dengan Nom dan Gwm Sebagai Pemoderasi Rasio Keuangan Perbankan." Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) 4, no. 4 (2023): 1234–42. http://dx.doi.org/10.47065/ekuitas.v4i4.3365.

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The Profitability Ratio is the primary ratio in measuring the achievement of banking performance. Several other ratios, such as CAR, FDR, BOPO, and NPF, influence the profitability ratio. This study examines and analyzes the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the profitability of PT. Bank NTB Syariah with NOM (Net Operating Margin) and Reserve Requirement (Minimum Statutory Reserve) as moderating. This quantitative research wants to reveal the effect of financial rati

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Shrestha, Purna Man. "Effect of Credit Risk on Profitability of Nepalese Commercial Banks." Butwal Campus Journal 5, no. 1 (2022): 1–11. http://dx.doi.org/10.3126/bcj.v5i1.50117.

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This paper has examined the effect of credit risk on profitability of Nepalese commercial banks. The credit risk is measured by the ratio of total loan to total deposit (TL/TD), cash reserve ratio (CRR), the ratio of nonperforming loan to total loan (NPL/TL), and the ratio of loan loss provision to total loan (LLP/TL), and profitability is measured by return on assets (ROA). The annual data of 18 commercial banks from 2013/14 to 2018/19 have been used for the analysis. Using the Fixed Effect model, this paper finds the significant influence of credit risk on profitability of Nepalese commercia

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Adelegan, Michael Oluyomi, and Eseoghene Joseph Idolor. "LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA." Caleb International Journal of Development Studies 07, no. 01 (2024): 19–34. http://dx.doi.org/10.26772/cijds-2024-07-01-02.

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The study empirically investigates the impact of liquidity management on financial performance of deposit money bank in Nigeria using time series data from 2011 to 2020. The study analyses the data with the aid of E-view statistical package for descriptive and correlation analysis and STATA 11 after testing for the best estimator from pool OLS, fixed effect and random effect estimator based on Breusch and Pagan LM test, F-test and Hausman test. Deposit to asset ratio has negative but statistically insignificant relationship with returns on assets of DMBs in Nigeria since the P-value of 7.9% is

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Bahadur Lama, Padam, Prem Bahadur Budhathoki, Rita Subedi, Janga Bahadur Hamal, Mukund Kumar Chataut, and Samjhana Thapa. "Merger and Acquisition as Drivers of Financial Performance." Financial Markets, Institutions and Risks 8, no. 4 (2024): 64–77. https://doi.org/10.61093/fmir.8(4).64-77.2024.

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The purpose of the study is to examine the impact of mergers and acquisitions on financial performance in Nepalese financial institutions. This study investigated specific banks in Kathmandu, Nepal. This study, including six banks, analyzed the impact of commercial banks’ pre-merger and post-merger policies on financial performance. Thus, the study consisted of 60 observations with five years of data accumulated for the analysis. Earnings per share (EPS), non-performing loan ratio (NPLR), capital adequacy ratio (CAR), credit to deposit ratio (CDR), cash reserve ratio (CRR), and bank size (BS)

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Sah, Gunja Kumari. "Working Capital Management and Profitability of Commercial Banks in Nepal." Journal of Management 6, no. 1 (2023): 76–88. http://dx.doi.org/10.3126/jom.v6i1.58882.

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This paper purposes to analyze effects of working capital management on profitability of commercial banks. Empirical data utilized to explores the association between of working capital management and profitability indicators. Based on empirical data, some major financial indicators, credit to deposit ratio, cash reserve ratio, cash and bank balance to total deposits ratio, working capital turnover ratio and liquidity ratios considered as an independent ratio and return on assets, return on equity, and net profit margin as dependent ratios were calculated. Among 20 of the commercial banks of N

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Vebriana, Siti Alawiyah, Diharpi Herli Setyowati, and Ade Ali Nurdin. "Pengaruh Non-Performing Loan dan Loan to Deposit Ratio terhadap Cadangan Kerugian Penurunan Nilai." Indonesian Journal of Economics and Management 1, no. 1 (2020): 245–56. http://dx.doi.org/10.35313/ijem.v1i1.2433.

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The main activity of the bank is to collect and raise funds from third-party channels through credit. In practice, conventional banks are faced with bad debt problems. The Bank's effort to anticipate bad credit is by establishing reserve funds in the form of Loan Loss Provisions (CKPN). The effect of NPL and LDR on CKPN is important to study because it can Maintain good bank performance. The sample size in this study is 36 banks listed on IDX. The data analysis technique used in this study is panel data regression analysis technique followed by classical hypothesis testing. The results of this

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Omankhanlen, Alex Ehimare. "The Effect of Monetary Policy on the Nigerian Deposit Money Bank System." International Journal of Sustainable Economies Management 3, no. 1 (2014): 39–52. http://dx.doi.org/10.4018/ijsem.2014010104.

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This study investigates the effect of monetary policy on the Nigerian Deposit Money Bank (DMB) System. The Nigerian banking system is currently under-going a series of reforms in order to enhance its competitiveness and efficiency. The Ordinary Least Square (OLS) method is used to examine the effect of monetary policy on the Nigerian Deposit Money Bank System, using such variables as total loans and advances (TLA) as dependent variable and liquidity ratio (LR),cash reserve ratio (CRR), monetary policy rate (MPR), and average exchange rate (AER) as independent variables. The result of the findi

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Cep, Jandi Anwar, Ridwan Asep, Adelia Putri Diska, and Sahat Kirana Yeremia. "BANK RESERVE REQUIREMENT, DIGITALIZATION, AND PROFITABILITY IN INDONESIA BANKING INDUSTRY." ISIR Journal of Business and Management Studies (ISIRJBMS) 2, no. 3 (2025): 05–14. https://doi.org/10.5281/zenodo.15429766.

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<em>The study investigates the impacts of central banks' policies along with the effects of digitalization and macroeconomics on the profitability of Indonesian banks using dynamic panel data from the period 2010–2022. The System Generalized Method of Moments (GMM) analysis reveals that profitability of the past significantly influences present performance due to the presence of strong profit persistence among the banks. The analysis finds that the reserve requirements lower profitability while digitalization raises profitability, thus reflecting the necessity of financial innovations. T

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Shrestha, Binaya, and Sneha Chaurasiya. "Impact of Liquidity Management on Profitability of Joint Venture Commercial Banks in Nepal." Lumbini Journal of Business and Economics 11, no. 1 (2023): 131–41. http://dx.doi.org/10.3126/ljbe.v11i1.54322.

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This study investigates the Impact of Liquidity Management and Profitability of Joint Venture Commercial Banks in Nepal. Data analysis was done using descriptive statistics, Pearson correlation, regression analysis, and t-test. The data used to analyze five (5) samples size, out of 27 which has found to be covering period 2012-2021 of joint venture commercial Banks in Nepal. The Liquidity management represents the variables of the Credit Deposit Ratio (CDR), Capital adequacy ratio (CAR), Current Reserve ratio (CRR), Total deposit to total ratio (TDTAR), Total loan to total assets ratio (TLTAR)

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Horst, Maximilian, and Ulrike Neyer. "The Impact of Quantitative Easing on Bank Loan Supply and Monetary Policy Implementation in the Euro Area." Review of Economics 70, no. 3 (2020): 229–65. http://dx.doi.org/10.1515/roe-2019-0033.

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AbstractIn March 2015, the Eurosystem launched its QE programme. The asset purchases induced a rapid and strong increase in excess reserves, implying a structural liquidity surplus in the euro area banking sector. Against this background, the first part of this paper analyses the Eurosystem’s liquidity management during normal times, crisis times and times of too low inflation. With a focus on the latter, the second part of this paper develops a relatively simple theoretical model in which banks operate under a structural liquidity surplus. The model shows that increasing excess reserves have

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N Murthy, Dr Kamakula. "An Econometric Analysis of the Determinants of Bank Credit Growth in India (2002–2022)." International Journal of Social Science and Economic Research 10, no. 05 (2025): 1522–35. https://doi.org/10.46609/ijsser.2025.v10i05.005.

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This study investigates the macroeconomic and financial determinants of bank credit growth in India over the period 2002 to 2022 using linear and log-linear econometric models. The analysis focuses on the impact of five key variables bank deposits, Cash Reserve Ratio (CRR), Statutory Liquidity Ratio (SLR), investment in government securities, and Gross Domestic Product (GDP)—on the expansion of bank advances. Drawing from time-series data, the study reveals that deposits and GDP have strong and statistically significant positive effects on credit growth, underscoring their pivotal roles in exp

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Nwidobie, Dakara Claudia, Olalekan Akinrinola, and Barine Michael Nwidobie. "POST-CONSOLIDATION MACROECONOMIC VOLATILITY AND FINANCIAL PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA (2006 – 2020)." Caleb International Journal of Development Studies 05, no. 02 (2022): 76–99. http://dx.doi.org/10.26772/cijds-2022-05-02-04.

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This study aims to examine the effect of volatility of macroeconomic variables on the financial performance of Deposit Money Banks in Nigeria. Secondary annual time series data from 2006 to 2020 on variables for this study were obtained from the Central Bank of Nigeria Statistical Bulletin 2021. A GARCH model analysis of annual time-series data on liquidity ratio, foreign exchange rate, interest rate, Real GDP, monetary policy rate, credit reserve ratio, inflation rate and aggregate bank profit as a measure of banks’ profitability from 2006 to 2020 was undertaken. The empirical findings showed

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