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Journal articles on the topic 'Risk of banking system activity'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Kuzmak, Olena, Oleh Kuzmak, Anna Tarasova, and Yana Buchkovska. "Present-day realities of risk management in the activity of Ukrainian banks." Banks and Bank Systems 13, no. 1 (2018): 150–61. http://dx.doi.org/10.21511/bbs.13(1).2018.14.

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Modern development of banking business is connected with significant risks, which, taking into account globalization processes, political, economic problems in Ukraine and worldwide, development of technological and information systems, tend to transform, therefore it is very difficult to identify them and take preventive measures concerning their smoothing. Taking the abovementioned into account, it is reasonable to assess the modern state of risk management in the activity of Ukrainian banks and the influence on banking system development. For this purpose, the authors analyzed the performan

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2

Swanepoel, Ezelda, Ja’nel Esterhuysen, Gary van Vuuren, and Ronnie Lotriet. "Dodd-Frank and risk-taking: reputation impact in banks." Banks and Bank Systems 12, no. 1 (2017): 36–43. http://dx.doi.org/10.21511/bbs.12(1).2017.04.

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The banking industry plays a significant role in both the financial system and economy as a whole. By 2012, the US banking system owned US $14.45 trillion in assets. However, the importance of the banking system stretches beyond its mere size. Numerous studies have indicated that the health of this sector has significant effects on overall economic activity, as well as the size and persistence of economic cycles. For the purposes of this paper, the researchers measured the correlation between current legislation, risk-taking, market value, and reputation. This was performed by calcula-ting Z-s

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3

Abramova, Alla. "SYSTEM OF RISKS OF ACTIVITY OF COMMERCIAL BANKS IN THE CONDITIONS OF DIGITALIZATION." Problems and prospects of economics and management, no. 4(28) (2021): 186–93. http://dx.doi.org/10.25140/2411-5215-2021-4(28)-186-193.

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The trend of modern commercial banks is the digitalization of decision-making processes and various operations, which ensures the preservation of the customer base and the expansion of the banking business through new electronic chan-nels and online lending. It is established that innovative banking technologies create new sources of risk and should ensure effective processes of their management and control. The complex of risks of banking activity in the conditions of digitaliza-tion from the standpoint of consumer interests (data confidentiality, data security, termination of certain types o

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4

Rudhani, Leonora Haliti, and Driton Balaj. "Management of Liquidity Risk and the Banking Activity." International Journal of Finance & Banking Studies (2147-4486) 8, no. 2 (2019): 01–08. http://dx.doi.org/10.20525/ijfbs.v8i2.299.

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The banking sector in Kosovo continues to have a high level of sustainability and financial stability. Two substantial components for the stability of the banking system appear to be liquidity and liquidity risk. The purpose of this paper is to analyze liquidity management in Kosovo's commercial banks through liquidity risk indicators from 2008 to 2017. By comparing the methodology of the data presented, the study will assess the state of management of the liquidity risk of commercial banks. From 2008 until now, commercial banks in Kosovo have had liquidity reserves at a level higher than the

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Kolomiiets, Yuliia Yu, and Valeriia Yu Kochorba. "Risk Modeling of Banking Activities." Business Inform 8, no. 547 (2023): 138–48. http://dx.doi.org/10.32983/2222-4459-2023-8-138-148.

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The article is devoted to the study of the issue of banks’ risk management. Risk management is a complex but necessary process to ensure the financial stability of banks. Research and assessment of banks’ risks helps banks understand and manage risks, make more informed decisions about granting loans, investing and other operations. Risk modeling is an important part of risk management in banks, so the article proposes improving the methodology for assessing the level of risks of banking activities, which, on the basis of forecasting methods and simulation modeling, allows to improve the valid

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6

Lyubov Petyk, Lyubov Petyk. "ASSESSMENT AND WAYS TO MINIMIZE THE FINANCIAL RISKS OF THE BANKING SECTOR UNDER FINANCIAL INSTABILITY." Socio World-Social Research & Behavioral Sciences 14, no. 04 (2023): 66–71. http://dx.doi.org/10.36962/swd14042023-66.

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The article is devoted to the assessment of financial risks of the banking sector, their impact on the activity of banks and their minimization in conditions of economic instability. The banking sector is a key link that ensures the development of the financial system, but banking activity is risky. Therefore, it is important to study banking risks and ways to minimize them in order to increase the efficiency and stability of the banking system. The article provides a classification of banking risks in accordance with domestic literature. Factors due to which banking institutions are exposed t

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Alimov, Bakhtiyor Murodovich. "IMPROVEMENT OF BANK OPERATIONAL RISK MANAGEMENT METHODOLOGY." Innovations in economy 5, no. 5 (2022): 5. https://doi.org/10.5281/zenodo.7219966.

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This scientific article analyzes the current state of the introduction of innovative technologies and services in commercial banks in Uzbekistan. The opinions of scientists and researchers on the organization of innovative activity in the banking system and its improvement have been studied in the literature. The legal framework created to regulate innovation and stimulate it in the banking system of Uzbekistan was also studied.

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8

DOVHAN, Zhanna. "INCREASING EFFICIENCY OF THE BANKING INSTITUTIONS ACTIVITY." WORLD OF FINANCE, no. 3(56) (2018): 92–103. http://dx.doi.org/10.35774/sf2018.03.092.

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Introduction. The problems of banking efficiency improvement have become very important in the conditions of economic instability and the period of increasing competition in banking services market. It is being changed both the banking system structure, and the business processes which were formed in it. Such changes demand the new approaches to reserves searching and banking system optimization objects. The innovation in the banking sector, methods of innovative bank development are the main in modern conditions. The purposeof this article is to identify the need to develop and apply innovati

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9

OLIINYK, ANDRIY. "ASSESSMENT OF FINANCIAL AND ECONOMIC OBJECTIVES OF CREDIT RISK MANAGEMENT IN THE BANKING SYSTEM OF UKRAINE." HERALD OF KHMELNYTSKYI NATIONAL UNIVERSITY 300, no. 6 Part 2 (2021): 54–61. http://dx.doi.org/10.31891/2307-5740-2021-300-6/2-9.

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In the current conditions of implementation and development of banking, bankers are paying more and more attention to the definition, assessment and measures to reduce the operational risk of the bank. Examples of this type of risk are personnel fraud, information system failures, and specific software failures that can result in significant losses and losses. In order to adequately protect against such risk, the bank must generate capital adequate to cover losses from the bank’s operational risk. The lack of systemic among the manifestations of the bank’s operational risk complicates the proc

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Sbârcea, Ioana Raluca. "Credit Risk Versus Performance in the Romanian Banking System." Studies in Business and Economics 12, no. 3 (2017): 171–80. http://dx.doi.org/10.1515/sbe-2017-0044.

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Abstract The Romanian banking sector, predominantly governed by the capital of foreign banks, is, as well as other international banking sectors, under the sign of the necessary balance that should exist between risk and performance. This is a result of banks trying to take risks that they can control, given that they need to generate financial results that are satisfactory for all categories of bank creditors, namely shareholders, depositors and other lenders. In this paper, I wanted to analyze the risk situation assumed by the main banks in the system versus the performance gained in recent

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11

Magzumova, N. V., and V. D. Fedotov. "RISK MANAGEMENT IN COMMERCIAL BANKS." Scientific bulletin of the Southern Institute of Management, no. 3 (October 7, 2018): 68–73. http://dx.doi.org/10.31775/2305-3100-2018-3-68-73.

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The current stage in the development of the banking structure is characterized by serious changes in organizational structures, the introduction of innovations and the use of progressive management methods. In the conditions of market relations, the probability of risks in banking activity increases. Risk is an activity connected with overcoming uncertainty in a situation of unavoidable choice, in the process of which it is possible to quantitatively and qualitatively assess the probability of achieving the expected result, failure and deviation from the goal. Banking activity is characterized

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12

Siljanoska, Slavica, Marijana Joksimović, and Jozefina Beke-Trivunac. "Cost calculation systems in commercial banks: Traditional system and activity-based calculation system." Revizor 23, no. 91-92 (2020): 97–104. http://dx.doi.org/10.5937/rev2092097s.

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Increasing competition between banks in local and global markets imposed the need for the bank to determine the most competitive prices and markets for its products, which ensures profit maximization while minimizing risk, as well as maintaining optimal product quality. The ability of management to make the right decisions at the right time, largely depends on the adequacy of cost systems that provide a high degree of accuracy in costing, and timely receipt of complete information on each individual banking product. The paper presents a comparative overview of the traditional cost accounting s

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13

Olha, Melnyk. "Risk Minimization as a Component of Ensuring the Financial Stability of the Banking Sector of Ukraine." Modern Economics 36, no. 1 (2022): 83–88. http://dx.doi.org/10.31521/modecon.v36(2022)-12.

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Abstract. Introduction. Banking activity, like any other, is accompanied by the presence of risks caused by the specifics of the relevant operations. Taking into account the effect of economic factors, the instability of the political situation, and crisis phenomena, it is important to stabilize the financial stability of the banking sector of Ukraine and further improve the mechanism for ensuring the financial stability of the banking system. Starting from 2022, the economic security of the banking system was significantly disturbed as a result of the pandemic and the introduction of quaranti

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14

Strokov, Ievgen, and Vladyslav Yakovlev. "ANALYSIS OF THE ACTIVITIES OF BANKING INSTITUTIONS IN UKRAINE." Bulletin of the National Technical University "Kharkiv Polytechnic Institute" (economic sciences), no. 5 (October 10, 2024): 65–69. https://doi.org/10.20998/2519-4461.2024.5.65.

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The article examines the main achievements of the banking system of Ukraine in the conditions of the military conflict, as well as analyzes the modern challenges faced by banking institutions. Special attention is paid to the influence of external and internal factors on the activity of banking structures, such as economic instability, a decrease in credit activity and the risk of non-performing loans (NPL). The author analyzed the key indicators of the banking system in recent years, including the dynamics of the decrease in the number of banking institutions and changes in the amount of asse

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15

Panchenko, Maryna, and Maria Parlińska. "PORTFOLIO RISK MANAGEMENT IN INVESTMENT ACTIVITY OF BANKING SECTOR." Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing, no. 11(60) (June 20, 2014): 170–84. http://dx.doi.org/10.22630/pefim.2014.11.60.15.

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The purpose is to investigate the role of portfolio risk management in investment activities in banks as well as to examine the proper method of recognizing risk. It aims to assist the managers to integrate the risks calculating methods in more effective way into overall banking system, which could be included into general scheme of systemized analysis of banking activities. One of the main problems concerning the evaluation and optimization of risk exposure is the choice of “good” risk measures. The study shows the example of combination Capital Asset Pricing Model with the elements of fundam

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16

Muhammad Nur Faaiz F. Achsani and Salina Kassim. "The Determinants of Credit Risk Under Dual Banking System: Indonesian Experience Based on Bank Specific Variables." AL-MUZARA'AH 9, no. 2 (2021): 215–29. http://dx.doi.org/10.29244/jam.9.2.215-229.

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In Indonesian banking system, conventional banks are operating side by side with Islamic banking in a dual banking system. In terms of the credit risk determinants, Islamic banks should be affected by the different factors as conventional banks. However, the similarity of Islamic banks and the conventional bank in terms of contracts might lead to the opinion the same variables are affecting the performance of Islamic and conventional banks. The objective of the study is to examine and obtain an understanding on how the credit and financing in Indonesian dual banking system responses to changes

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17

Pechalova, M. Yu. "Boosting the Business Activity: Does the Banking System have a Potential?" Economics, taxes & law 11, no. 3 (2018): 27–37. http://dx.doi.org/10.26794/1999-849x-2018-11-3-27-37.

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Despite the currently observed positive dynamics of the industrial production, the problem of reversing the Russian economy to the sustainable and balanced growth has not been resolved. The expansion of the investment lending by banks might give the necessary impetus to the economic development; however, the weak demand of corporate borrowers for long-term loans of late is counterbalanced by the unwillingness of creditors themselves to be at risk. The purpose of the study was to identify the reasons why the Russian banking system practically lost its potential to promote the business activity

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18

Shorokh, Valeriia. "Improving the system of quantitative indicators for risk assessment of financial companies." Development Management 19, no. 1 (2021): 1–9. http://dx.doi.org/10.21511/dm.19(1).2021.01.

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The paper examines the existing methodological recommendations for assessing risk of financial institutions of non-bank financial services market participants. In particular, the focus is on the activities of financial companies, which are the largest non-banking market participants. The purpose of the study is to develop an approach to risk assessment of financial companies. The methodological basis for achieving the goal is a systematic analysis of the existing provisions of the regulator on the criteria for assessing the risk of financial institutions. The paper examines in detail the state

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19

LARIONOVA, K., and T. DONCHENKO. "ANALYSIS AND ASSESSMENT OF CREDIT RISK OF BANKS OF UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 278, no. 1 (2020): 233–40. https://doi.org/10.31891/2307-5740-2020-278-1-41.

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The negative consequences of the financial crisis, political instability, which significantly weakened the banking system of Ukraine, revealed the unwillingness of most banking institutions to promptly and adequately adjust credit policy to find the optimal balance between customer needs for credit resources, lending risks, liquidity requirements, collateral requirements credit funds of business entities with real assets, etc. The processes of internationalization and globalization in the financial market exacerbate the need to reassess the role and place of credit risk management of banking i

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20

Zabchuk, Halyna, and Olha Ivashchuk. "RISKS OF THE BANKING SYSTEM OF UKRAINE IN THE CONDITIONS OF MARTIAL LAW." INSTITUTE OF ACCOUNTING, CONTROL AND ANALYSIS IN THE GLOBALIZATION CIRCUMSTANCES, no. 1-2 (June 30, 2022): 50–61. http://dx.doi.org/10.35774/ibo2022.01-02.050.

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Introduction. The peculiarities of the manifestations of credit, market and currency risks, liquidity risks and risks of "state failure" for the functioning of the banking system of Ukraine in the conditions of martial law were examined the article. Recommendations are offered for minimizing existing risks and restoring the functionality of the banking system in the context of performing financial intermediation functions. Methods. Traditional methods of scientific knowledge were used in the article. In particular, methods of analysis and synthesis, as well as a graphic method for visualizatio

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21

Feruz, Mirzoev. "Monitoring System and Instruments for Risk Management in Commercial Banks." International Journal of Multicultural and Multireligious Understanding 9, no. 12 (2022): 72. http://dx.doi.org/10.18415/ijmmu.v9i12.4194.

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As social рractice shows, shortcomings in the system of management and control of the banking system can cause not only a worsening of the crisis state of the country's banking system but also the emergence of a systemic crisis at the national level due to the transfer of financial resources to other segments. In particular, as a result of allowing an unreasonable increase in the amount of non-рerforming loans (NРL) in the case of NPL in the case of loans from developed countries, US commercial banks and mortgage organizations led to a sharр increase in the number of non-рerforming loans in th

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22

Utami, Lola Citra, Muhammad Aqil, and Chairina Chairina. "Studi Literatur Penerapan Manajemen Risiko Pada Bank Syariah." Jurnal Ekonomika Dan Bisnis (JEBS) 2, no. 3 (2022): 742–47. http://dx.doi.org/10.47233/jebs.v2i3.262.

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Despite the fact that Islamic banking has developed significantly to date, business activities and the risks associated with operating financial institutions cannot be separated. When Islamic banking functions as a financial intermediary for Indonesian businesses, there will always be risks. Risk management can measure and mitigate risks to find solutions to problems. At Bank Syariah Indonesia, the implementation of risk management is going well. The implementation of risk management is generally divided into 8, namely: credit risk, liquidity risk, market risk, operational risk, legal risk, co

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Kolomiiets, Yuliia Yu, and Valeriia Yu Kochorba. "Assessing the Credit Risks in the Risk Management System of Banking Structures." Business Inform 1, no. 552 (2024): 320–32. http://dx.doi.org/10.32983/2222-4459-2024-1-320-332.

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The effective lending activity of the bank depends on the qualitative assessment of the creditworthiness of borrowers. This process determines not only the success of an individual banking operation, but also the entire credit policy of the bank. Modern banks use different approaches to creditworthiness analysis, because each loan agreement has its own specifics. The article summarizes and forms the main elements of the bank’s risk management system, substantiates the significant impact of such factors as the use of the latest technologies, stress management, and the culture of risk management

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LI, SHOUWEI. "CONTAGION RISK IN AN EVOLVING NETWORK MODEL OF BANKING SYSTEMS." Advances in Complex Systems 14, no. 05 (2011): 673–90. http://dx.doi.org/10.1142/s0219525911003438.

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This paper develops an analytical model of contagion risk in banking systems with tiered structure. It explores the respective effects of banking network structure and bank activity on contagion risk in banking network evolution. The findings suggest that increasing interbank connections is conducive to handling banking crisis and reducing the effect of contagion risk, but its positive effect is limited; raising bank reserve ratio will enhance the stability of individual banks to a certain extent, but it may immediately lead to liquidity problems for banks that have less excess reserves, causi

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Magopets, Оlena, and Olena Kulish. "Assessment of the Activity of Banking Institutions Under Martial Law as a Component of the Banking Control System." Central Ukrainian Scientific Bulletin. Economic Sciences, no. 9(42) (2023): 212–24. http://dx.doi.org/10.32515/2663-1636.2023.9(42).212-224.

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The purpose of this study is to assess the current state of activity and peculiarities of the functioning of banking institutions of Ukraine under martial law and to determine the place and role of such an assessment in the system of monitoring the activity of banking institutions. The authors provide an approach to understanding the essence of the banking control system. The authors understand the banking control system as a set of rules, procedures, legislative regulations and institutions that provide supervision, regulation and assessment of banks' activities. The place and role of assessm

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CONSTANTINESCU, Carmina Elena, Liliana Aurora CONSTANTINESCU, Camelia Cristina DRAGOMIR, and Ileana TACHE. "THE QUALITY OF LIQUIDITY RISK MANAGEMENT IN COOPERATIVE BANK UNIREA BRAȘOV." Revista Economica 74, no. 4 (2022): 7–17. http://dx.doi.org/10.56043/reveco-2022-0032.

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An integrated banking risk management system presupposes the existence and functionality of policies, procedures and tools designed to identify, assess and eliminate/assume the risk to which the banking institution is exposed. There is a set of specific operations and procedures that generate banking risk. In addition, banking companies have to deal with risks that are not specific to them. With the national and international expansion of electronic credit system, financial markets have become much more fragile, the degree of uncertainty has increased, adding to all this the multiplication of

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Constantinescu, (Mihai) Carmina Elena, Liliana Aurora Constantinescu, Cristina Dragomir Panzaru Camelia, and Ileana Tache. "THE QUALITY OF LIQUIDITY RISK MANAGEMENT IN COOPERATIVE BANK UNIREA BRAȘOV." Revista Economica 74, no. 4 (2022): 7–17. https://doi.org/10.56043/reveco-2022-0032.

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An integrated banking risk management system presupposes the existence and functionality of policies, procedures and tools designed to identify, assess and eliminate/assume the risk to which the banking institution is exposed. There is a set of specific operations and procedures that generate banking risk. In addition, banking companies have to deal with risks that are not specific to them. With the national and international expansion of electronic credit system, financial markets have become much more fragile, the degree of uncertainty has increased, adding to all this the multiplication of

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28

Simaeva, Natalia, and Inna Ryabova. "Development of Regional Commercial Banks in Digital Economy: Risks and Opportunities." Regionalnaya ekonomika. Yug Rossii, no. 4 (December 2021): 181–93. http://dx.doi.org/10.15688/re.volsu.2021.4.17.

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The article is devoted to the analysis of the activity of regional commercial banks. The purpose of this article is to identify risks and prospects for the development of regional commercial banks in the digital economy. The author explores the concept of a regional bank, analyzes the peculiarities of the activities of regional banks in modern conditions of increasing banking competition. The article analyzes the state and trends of the development of the banking regional sector from the point of view of efficiency increase of their activities. It is shown that the number of regional banks is

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Madhi, Doris. "The Macroeconomic Factors Impact on Liquidity Risk: The Albanian Banking System Case." European Journal of Economics and Business Studies 7, no. 1 (2017): 32. http://dx.doi.org/10.26417/ejes.v7i1.p32-39.

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Over the last five years, the Albanian banking system has experienced a deceleration on its activity, considering the recent financial crisis effects. The financial crisis did not propagate direct effects on the Albanian financial system, but indirect effects were visible based on the general slowdown of the foreign markets and public loss of confidence towards the banking system. Also, the foreign remittances decrease and the liquidity shortage of the public played an important role on the capacity to meet the payment obligations (especially on loans). During 2009, the Albanian Central Bank i

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30

Chyzh, Natallia M. "Functioning of the Banking System of Ukraine: Problems and Prospects." Business Inform 4, no. 531 (2022): 103–10. http://dx.doi.org/10.32983/2222-4459-2022-4-103-110.

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The article is aimed at analyzing the state of the banking system and forming perspective directions for its development. The main attention in the article is paid to the study of the peculiarities in the functioning of the banking system of Ukraine, its problems and prospects. The carried out analysis showed that the banking system of Ukraine has a sufficient reserve of financial sustainability. The pandemic of 2019 and the war with Russia negatively affected the entire banking system of Ukraine, the number of domestic banking institutions is rapidly decreasing. At the same time, the banking

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Lukhmanova, G., G. Seitova, D. Kenzhebekova, K. Sakibayeva, and E. Kuzenbayeva. "ASSET QUALITY REVIEW AS A DRIVER OF TRANSPARENCY OF THE NATIONAL BANKING SYSTEM." Statistika, učet i audit 93, no. 2 (2024): 166–75. http://dx.doi.org/10.51579/1563-2415.2024.-2.13.

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This article focuses on the growth rate of the financial market of Kazakhstan through the effective development of the banking system. To date, it is revealed that the banking sector is unstable due to insufficient effective activity of the entire banking system. The main problem is that banks are often involved in high-risk operations, which increases the vulnerability of the entire system. These risky operations can lead to significant losses and pose additional threats to economic stability. As a result, both consumers and investors lose confidence in banking institutions, further exacerbat

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Hayat, Qazi Sikandar, Muhammad Sohail Alam Khan, and Brekhna Gul. "Risk Mitigation in an Interest Free and Non- Speculative Financial System: A Critical Review and Regulatory Framework for Shari'ah Compliant Risk Management." III IV, no. III (2019): 79–91. http://dx.doi.org/10.31703/ger.2019(iv-iii).08.

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This paper critically and systematically reviews previous literature on Risk Mitigation in an interest free banking system. The paper, through a study of literature,identifies different forms of risks that are general to all financial institutions and are largely systematic. The review highlights unique risks and unique risk management practices which are specific to Islamic Banking and Financial system. The review enables us by highlighting the importance of the Islamic financial system in the form of real economic activity it performs, unlike the conventional financial system. The Islamic ba

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Kiporenko, Svitlana. "THE INFLUENCE OF THE INFORMATION ECONOMY ON THE ACTIVITIES OF BANKS." Three Seas Economic Journal 2, no. 4 (2021): 31–37. http://dx.doi.org/10.30525/2661-5150/2021-4-6.

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The banking system ensures the smooth functioning of the country's economy by servicing cash and non-cash payments, holding funds of legal entities and individuals, providing them with credit resources and many other types of operations. Banking activity is characterized by a high degree of risk, as banks operate under the constant threat of losing money and bankruptcy. Therefore, the fight against risk is an important task of the entire banking system, and ensuring banking safety becomes the cornerstone of the mechanism of financial security of the state. The existing problems in the banking

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Park, David. "Remembering Financial Crises: The Risk Implications of the Rise of Institutional Investors in Project Finance." Michigan Law Review, no. 117.2 (2018): 383. http://dx.doi.org/10.36644/mlr.117.2.remembering.

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Barely a decade ago, a cascading sequence of market failures threatened to topple the global financial system. Public responses to the recent Financial Crisis were immediate and drastic to resuscitate the global economy while attempting to make the markets safer. Many financial services sectors have since recovered to pre-crisis levels. One such industry is project finance, which comprises various financing arrangements often used to fund long-term infrastructure or industrial projects. Curiously, significant post-crisis banking regulations and other global credit enhancement initiatives are p

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Chick, Victoria, Sheila Dow, and Carlos J. Rodríguez Fuentes. "Good Banks and bad Banks, centralised Banks and local Banks and economic Growth." Ekonomiaz. Revista vasca de Economía 84, no. 3 (2013): 110–27. https://doi.org/10.69810/ekz.1180.

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The on-going banking crisis has demonstrated the significance of banking for economic growth. While banks as creators of money are important for the functioning of the economy, bank lending to productive enterprises is necessary for economic activity. Much of the international policy discussion supports the notion of reform of banking structure to allow banks to perform these two functions more effectively. On the one hand there is a discussion of separating traditional banking functions from those which exposed the system to excessive risk, i.e. separating ‘good’ banking from ‘bad’ banking. A

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Gjini, Valbon, and Lucian Koprencka. "Relationship Between Economic Factors and Non-Performing Loans- the Case of Albania." European Journal of Economics and Business Studies 10, no. 1 (2018): 253. http://dx.doi.org/10.26417/ejes.v10i1.p253-261.

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The financial system in Albania is dominated by the banking system and therefore its performance is of great importance for the financial and economic stability of the country. The share of banking sector assets at the end of 2016 reached 95.8% of Gross Domestic Product (GDP). On the other hand, the banking system does not operate isolated and it is consequently linked to the country's economic cycle, at the same timed affected by economic developments. Credit risk is the biggest risk to which the banking system is exposed because the credit occupies the main weight in the banking system asset

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Gjini, Valbona, and Luciana Koprencka. "Relationship Between Economic Factors and Non-Performing Loans- the Case of Albania." European Journal of Economics and Business Studies 4, no. 1 (2018): 245–52. http://dx.doi.org/10.2478/ejes-2018-0028.

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Abstract The financial system in Albania is dominated by the banking system and therefore its performance is of great importance for the financial and economic stability of the country. The share of banking sector assets at the end of 2016 reached 95.8% of Gross Domestic Product (GDP). On the other hand, the banking system does not operate isolated and it is consequently linked to the country's economic cycle, at the same timed affected by economic developments. Credit risk is the biggest risk to which the banking system is exposed because the credit occupies the main weight in the banking sys

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Mileris, Ričardas. "THE EFFECTS OF MACROECONOMIC CONDITIONS ON LOAN PORTFOLIO CREDIT RISK AND BANKING SYSTEM INTEREST INCOME." Ekonomika 91, no. 3 (2012): 85–100. http://dx.doi.org/10.15388/ekon.2012.0.885.

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This article presents on analysis of macroeconomic conditions in the EU countries in relation loan portfolio to credit risk and banking system interest income. The changing economic environment of banks influences their risks and activity results, so it is important to find the macroeconomic indicators that can determine the changes in debtors’ credit risk and banks’ financial condition. The banking system performs very important functions in a country’s financial system, so for its stability it is important to be able to predict the financial results of the banking system in relation to chang

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Nyasha, Sheilla, and Nicholas M. Odhiambo. "The evolution of bank-based financial system in the United Kingdom." Corporate Ownership and Control 11, no. 1 (2013): 483–92. http://dx.doi.org/10.22495/cocv11i1c5art3.

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This paper gives an overview of the banking sector in the U.K.; it highlights the reforms since the second half of the 20th Century; it tracks the growth of the banking sector in response to the reforms implemented over the past seven decades; and finally, it highlights the challenges facing the banking sector in the U.K. The country’s banking sector consists of more than 340 commercial banks, with the Bank of England, which is the economy’s central bank, at the apex. Since the 1970s, the U.K. government has implemented a number of banking sector reforms – in order to safeguard and improve the

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BREEVA, K. A., and E. S. BEZLAPENKO. "CURRENT ISSUES OF RISK MANAGEMENT AND THEIR IMPACT ON BANKING SERVICES STRATEGY." Scientific Journal of the Academy 15, no. 2 (2024): 82–87. https://doi.org/10.36683/nz50.82-87.

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The article presents the directions for improving the system of lending to individuals in a commercial bank. To implement these directions, elements of risk management process are presented, and analysis of the main types of banking risks is provided. It is proposed to use a scheme to improve the system of lending to individuals in a commercial bank allowing to clarify and systematize the main directions of this activity (to know, to develop and to undertake).

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Doroshenko, Nadiya, Nataliia Kulyk, and Anastasiia Pohorelenko. "BANKING RISKS IN UKRAINE AND METHODS OF THEIR PREVENTION." 62, no. 62 (December 31, 2021): 138–47. http://dx.doi.org/10.26565/2524-2547-2021-62-13.

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The banking system of Ukraine is the main component of the financial market, the proper functioning of each element of the banking system has a positive impact on the development of the economy as a whole. In today’s difficult conditions, the instability of global and national financial markets, the problem of ensuring financial adaptability and stability of banks is of great importance. Unfortunately, the activity of banks is impossible without risks. Compared to other types of business activities, the banking sector is characterized by the highest level of risk, which is due to the specifics

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42

Goodhart, Charles. "Is a Less Pro-Cyclical Financial System an Achievable Goal?" National Institute Economic Review 211 (January 2010): R17—R26. http://dx.doi.org/10.1177/0027950110364100.

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Banking and finance are inherently pro-cyclical, a condition exacerbated by a combination of Basel II and mark-to-market accounting. But these latter measures have many advantages, so the need is to devise other counter-cyclical macro-prudential policies. This fragility was further enhanced by a decline in bank liquidity (reliance on wholesale funding) and a shift in govenance from partnerships to limited liability public companies. Some commentators have seen the solution to such pro-cyclicality in the guise of direct constraints on bank activity, such as the promotion of ‘narrow banking’ or

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Krasnova, I., V. Lavreniuk, and M. Shchehliuk. "INFORMATION SUPPORT OF RISK MANAGEMENT SYSTEM IN BANKS." Sciences of Europe, no. 99 (August 22, 2022): 14–19. https://doi.org/10.5281/zenodo.7014304.

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In terms of development of digital technologies and digitalization of banking, timing of management decisions depends on speed of information exchange, transfer and analysis. Turbulence of economy and uncertainty that reigns on financial markets enhances impact of risks on the activity of banks. In existing circumstances it is becoming relevant to provide necessary efficient instruments of strategic management to bank managers, first of all, information-analytical ones. The article investigates the necessity, main imperatives and sources of formation of risks management system in banks in the

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Bogeanu-Popa, Maria-Mădălina, and Mariana Man. "Does the Integrated Reporting Influence the Financial Performance Within the Banking System? Case Study on Romanian Banks." International conference KNOWLEDGE-BASED ORGANIZATION 29, no. 2 (2023): 30–35. http://dx.doi.org/10.2478/kbo-2023-0032.

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Abstract The banking sector, as compared to other sectors of activity, represents a level of credit risk or of credit quality, measured through the rate of unperforming loans. This paper has the purpose of analysing in what measure the integrated reporting (from the point of view of financial, environmental, and social dimensions) influences the financial performance of the banking entities in Romania. This study encompasses a sample composed of 19 presently active banking entities on the Romanian market which publish financial and non-financial reports, as part of the integrated reporting. To

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Gelitashvili Goga, Gelitashvili Goga, Burdiashvili Rati Burdiashvili Rati, and Chelidze Medea Chelidze Medea. "DISCUSSION ISSUES ON THE ESSENCE OF BANKING REGULATION AND SUPERVISION." Economics 105, no. 3-4 (2023): 122–33. http://dx.doi.org/10.36962/ecs105/3-4/2023-122.

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One of the strictest regulations in the financial market is applied to banking activities, which is due to the specific characteristics of banks, such as a high degree of dependence on attracted financial resources, implementation of the function of a financial intermediary, insufficient transparency and openness of activities, money laundering problems, etc. This is often the cause of imbalance and a source of instability in the banking system. Added to this are interbank lending, affiliation of banks and connections between their founders, tendency to high-risk operations, which can lead to

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Le, Diem Thi Thu, and Tung Thanh Diep. "IMPACT OF LENDING STRUCTURE ON CREDIT RISK IN VIETNAMESE COMMERCIAL BANKS." Scientific Journal of Tra Vinh University 1, no. 31 (2018): 1–9. http://dx.doi.org/10.35382/18594816.1.31.2018.2.

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This study examines whether lending structure concentration leads to lower credit risk by employing GMM estimators of panel data for the Vietnamese banking system at the bank level by economic sector from 2009 to 2016. The advance point of this research is the effect of different industrial sector variables on credit risk. An important finding is that the Vietnamese commercial bank lending portfolios have, on average, higher levels of diversity across different sectors. Overall, the research finds that an increase in the mining and quarrying, manufacturing, electricity, gas and water, construc

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Vovchak, Olha, Viktoriia Rudevska, and Roksolana Holub. "Peculiarities of ensuring financial sustainability of the Ukrainian banking system." Banks and Bank Systems 13, no. 1 (2018): 184–95. http://dx.doi.org/10.21511/bbs.13(1).2018.17.

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Ensuring and strengthening the financial sustainability of banks is a difficult and not completely resolved task. It is inherent not only to developed countries, it has also be¬come nationally important in Ukraine, which was largely predetermined by the specifics of the domestic banks development. This is explained, in particular, by the banking insti¬tutions’ focus mainly on the relatively short-term activity, the need to work under high risk, resulting from economic and political instability in the country. Therefore, nowa¬days, it is urgent for each Ukrainian bank to focus on the main strat

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Petryshyn, Halyna. "Functioning of the banking system of Ukraine during the war." Ìstorìâ narodnogo gospodarstva ta ekonomìčnoï dumki Ukraïni 2023, no. 56 (2023): 189–207. http://dx.doi.org/10.15407/ingedu2023.56.189.

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The purpose of this article is to outline the financial situation of Ukraine during the ongoing war with Russia and to show the actions of the National Bank of Ukraine to preserve and ensure financial stability in emergency conditions. The article indicates the impact of the war on the financial state of the economy and the banking sector. The state of the Ukrainian economy, as well as the banking sector, as the basis of the financial system, is characterized. Threats and challenges, risks inherent in the activities of financial service providers – banks are indicated, attention is focused on

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Radulescu, Carmen-Valentina, Cristina Dima, Ioan Gaf-Deac, and Carol Cristina Gombos. "Management of Derivative Financial Products within the Banking Activity." Proceedings of the International Conference on Business Excellence 18, no. 1 (2024): 945–54. http://dx.doi.org/10.2478/picbe-2024-0082.

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Abstract Current developments in the national financial markets, as well as in the international market, mark a period of great changes. As the process of globalization intensifies, the economic environment is marked by increasing volatility and uncertainty. Financial institutions, as links in the financial intermediation process, play a crucial role in directing capital flows to the areas where they are most productively used. This is also the case of derivative financial products, stock exchange and over the counter, which become elements found in the reports of commercial banks. In this con

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Thompson, Rhys. "“Underground banking” and Myanmar’s changing hundi system." Journal of Money Laundering Control 22, no. 2 (2019): 339–49. http://dx.doi.org/10.1108/jmlc-04-2018-0030.

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Purpose The purpose of this paper is to examine Myanmar’s “hundi” system, an informal value transfer system used widely by local Myanmar citizens and offshore migrant workers to remit money domestically and internationally. Due to historically stringent banking and foreign exchange controls and a lack of domestic and internationally linked financial services, the system grew to become the dominant medium for remittances in Myanmar. It also remains unregulated despite authorities acknowledging its use in criminal and terrorist activity. However, with an expanding and modernising financial secto

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