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Articoli di riviste sul tema "Credit loss ratio"

Autore: Grafiati

Pubblicato: 4 giugno 2021

Ultima modifica: 1 febbraio 2022

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1

ANSELMI, GIULIO. "VOLATILITY MEASURES, LIQUIDITY AND CREDIT LOSS PROVISIONS DURING PERIODS OF FINANCIAL DISTRESS." Journal of Financial Management, Markets and Institutions 06, no. 02 (2018): 1850006. http://dx.doi.org/10.1142/s2282717x18500068.

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In this paper, we investigate the role of liquidity in banks lending activity and how liquidity provision is related to bank’s credit risk and others market-based risk measures, such as bank’s implied volatility skew from options traded on the market and realized volatility from futures contract on LIBOR, during periods of global financial distress. Credit risk is given by the ratio between loan loss reserves and total assets and we find that losses from lending activity force banks to build up new liquidity provisions only during the period of financial distress. Liquidity ratio is given by t

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2

Fred Nelson, Ossou Ndzila. "The Impact of Credit Risk Management on the Profitability of a Commercial Bank: The Case of BGFI Bank Congo." International Journal of Economics and Finance 12, no. 3 (2020): 21. http://dx.doi.org/10.5539/ijef.v12n3p21.

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This study examines the impact of credit risk management on the profitability of BGFI Bank Congo, by identifying credit risk indicators and profitability measurement ratios over the period of 2010-2019. The results indicate that profitability is somewhat affected by credit risk management as measured by its credit risk management indicators. The non-performing loan ratio (NPLR), the capital assets ratio (CAR), and the loan loss provision ratio (LLPR) show a negative impact on ROE. These three ratios contribute negatively, while the CAR makes a positive contribution to Return on assets (ROA) an

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3

Indramawan, Dendy. "Banking credit restructuring in Indonesia: Quo vadis?" Jurnal Inovasi Ekonomi 6, no. 02 (2021): 47–58. http://dx.doi.org/10.22219/jiko.v6i02.14861.

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This research aims to analyze the impact of Coronavirus Disease (Covid-19) on the accounting practices in banks associated with Indonesian Financial Accounting Standards (PSAK) 71 – Financial Instrument, particularly the allowance for impairment losses (CKPN) to respond to the Indonesian Financial Service Authority's Regulation (POJK) Number: 11/POJK.03/2020 concerning credit restructuring program and quality assets assessment. The research methodology is triangulation. This study reveals that the restructuring program helps banks from a significant jump of weak quality credits. Banks need to

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4

Liu, Yang, Sanjukta Brahma, and Agyenim Boateng. "Impact of ownership structure and ownership concentration on credit risk of Chinese commercial banks." International Journal of Managerial Finance 16, no. 2 (2019): 253–72. http://dx.doi.org/10.1108/ijmf-03-2019-0094.

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Purpose The purpose of this paper is to examine the effects of bank ownership structure and ownership concentration on credit risk. Design/methodology/approach Using panel data on a sample of 88 Chinese commercial banks, with 826 observations over a period of 2003–2018, this study has applied system generalised method of moments regression to examine the impact of bank ownership structure and ownership concentration on credit risk. This study has used two measures of credit risk, which are non-performing loan ratio (NPLR) and loan loss provision ratio (LLPR). Findings The results show that own

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5

Huang, Kun, Qiuge Yao, and Chong Li. "Impacts of Financial Market Shock on Bank Asset Allocation from the Perspective of Financial Characteristics of Banks." International Journal of Financial Studies 7, no. 2 (2019): 29. http://dx.doi.org/10.3390/ijfs7020029.

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Given ongoing financial disintermediation and the need for central banks to establish interest rate corridors, commercial banks have increasingly enriched their asset allocation choices, forming an allocation pattern that combines traditional credit assets (loans) and financial assets (interbank and securities investment). Due to the long-standing dual interest rate system in China, the yields of credit assets and financial assets have differed, which means the latter has greater volatility. Using the quarterly panel data of 23 listed commercial banks in China from 2002 to 2017, the empirical

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6

Mennawi, Ahmed Nourrein Ahmed. "The The Impact of Liquidity, Credit, and Financial Leverage Risks on Financial Performance of Islamic Banks: A Case of Sudanese Banking Sector." Risk and Financial Management 2, no. 2 (2020): p59. http://dx.doi.org/10.30560/rfm.v2n2p59.

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This study aims to investigate the impact of liquidity, credit, and financial leverage risks on the financial performance of Islam banks in Sudan during the period of 2008 - 2018. Panel dataset of 143 observations from (13) banks has been used in this study. Two models of ROA and NPM have been constructed using robust random effects estimates for testing the study hypotheses. The independent variables consist of liquidity and credit risks plus the financial Leverage ratio. Credit risk that measured by nonperformance of loan (financing) and provision of loan (financing) loss ratios; while the l

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7

Mery, Mery, and Chalid Abdul Dony. "The Effects of Credit Growth on Risk and Performance of Conventional Banks in Indonesia." Journal of International Conference Proceedings 4, no. 1 (2021): 140–49. http://dx.doi.org/10.32535/jicp.v4i1.1135.

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Indonesia is a developing country with a bank-based country structure. Credit is the largest component of banking assets. Credit growth with the low interest rates and low standard criteria for potential borrowers will have an impact on the credit risk faced by banks. The purpose of this study is to look into the effect of credit growth on the risk and performance of Indonesian conventional banks. This study uses dynamic panel data with the Generalized Method of Moment (GMM) approach. There are 3 hypotheses to be tested: first, the relationship between credit growth and credit risk using a cre

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8

Hafez, Hassan M., and Osama A. El-Ansary. "Determinants of capital adequacy ratio: an empirical study on Egyptian banks." Corporate Ownership and Control 13, no. 1 (2015): 1166–76. http://dx.doi.org/10.22495/cocv13i1c10p4.

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Capital adequacy rules are safety valve for regulators and banks’ clients/shareholders to reduce expected risks faced by commercial banks especially for cross border transactions as these rules are applied compulsory by all banks internationally. Applying these rules will achieve rational management and governance. This paper examines explanatory victors that influence capital adequacy ratio (CAR) in the Egyptian commercial banks. The study covers 36 banks during the period from 2003-2013. We examined the relationship between CAR as dependent variable and the following independent variables: e

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9

Youssef, Amel Ben. "Credit Risk Stress Testing of Commercial Banks in Tunisia." International Journal of Accounting and Finance Studies 1, no. 1 (2018): 10. http://dx.doi.org/10.22158/ijafs.v1n1p10.

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<p><em>Stress tests of credit risk is greatly affected by data constraints in Tunisian banking system. Aiming to improve the assessment of credit risk in such conditions, we propose a model to conduct a macro stress test of credit risk for a sample of ten Tunisian commercial banks based on scenario analysis.</em></p><p><em>The approach consists first in explaining the credit risk for each bank in terms of macroeconomic and bank-specific variables through a static fixed effects model, second in a stress-testing exercise using the Monte Carlo Simulation for ge

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10

Honey, Damian, Tahseen Mohsan Khan, and Malik Umer Ayub. "Factors Influence Banks’ Advancing Approach: Study Of Emerging Economies." Journal of Educational Paradigms 1, no. 2 (2019): 64–71. http://dx.doi.org/10.47609/0102032019.

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The study explores the advancing approach of commercial banks of Pakistan and Bahrain influenced by different factors that include loan loss provision, profitability, financial risks, and capital requirement. Hypotheses tested using exploratory analysis and GMM panel regression applied to the data obtained from 26 commercial banks of two countries for the period FY2008 to FY2017. The results reveal a significant connection between advancing approach and loan loss provisions for banks of both countries. Further, the advancing approach establishes a meaningful adverse relationship with profitabi

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11

Mall, Sunita, Tushar R. Panigrahi, and Stephina Thomas. "Predicting Financial Solvency of Commercial Borrowers: The Case of Non-Banking Financial Companies." Accounting and Finance Research 8, no. 3 (2019): 61. http://dx.doi.org/10.5430/afr.v8n3p61.

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Credit risk can be effectively managed by evaluating and predicting the credit worthiness of a customer or a corporate. Credit scores are calculated to assess the credit worthiness. It helps the financial institutes to know the amount and dimensions of risk involved in different credit transactions. Credit scoring helps the financial institutes to decide whether or not to lend. It also helps in deciding the price of a particular exposure, the appropriate credit facility and different risk tools. This research paper focuses on identifying the triggers of credit default. It also focuses on check

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12

Nor, Alias Mat. "Impaired Financing Determinants of Islamic Banks in Malaysia." Information Management and Business Review 7, no. 3 (2015): 17–25. http://dx.doi.org/10.22610/imbr.v7i3.1149.

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Despite commendable growth of Islamic banking on a macro level, impaired financing is an issue among Islamic banks at the micro level. The 2008 Global Financial Crisis shows large credit risk was largely attributable to staff inefficiency. This study investigates the moderating effect of staff efficiency on determinants of credit risk or impaired financing of sixteen Islamic banks in Malaysia over the 2005-2013 periods. The determinants include new variables such as political stability index and corruption index besides GDP, inflation, finance to deposit, loan loss provisions, liquidity, capit

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13

Susy Muchtar, Abdurrahman Setiawan,. "Factor Affecting the Capital Adequacy Ratio of Banks Listed in Indonesia Stock Exchange." Jurnal Ekonomi 26, no. 1 (2021): 153. http://dx.doi.org/10.24912/je.v26i1.733.

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The purpose of this study is to conclude the factors that affect bank capital adequacy ratios. The sample used is 42 banks listed on the Indonesia Stock Exchange in 2015-2019. The analysis method used was panel data regression and using purposive sampling for the sampling technique. The independent variables in this study are loan loss reserves, return on equity, bank size liquidity ratio and loan ratio, and capital adequacy ratio is the dependent variable. The results show that bank size and the return on equity have a positive effect on capital adequacy ratio, while loan ratio has a negative

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14

Arif, Ahmed, and Mohammad Afzal . "Credit Risk and Shareholdersâ€™ Value in a Developing Economy: Evidence from Pakistani Banking System." Journal of Economics and Behavioral Studies 4, no. 2 (2012): 87–95. http://dx.doi.org/10.22610/jebs.v4i2.306.

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The present study examines the role of credit risk in value creation process in banking system of Pakistan. This study here develops a conceptual model with three antecedents to credit risk. These antecedents are loan loss provision, advances, and capital adequacy ratio. The study analyzes the impact of these antecedents on accounting return on equity (ROE) and market return on shares (ROS). The data come from 20 banks listed on Karachi Stock Exchange (KSE) for 2004-2009. The study includes panel data analysis to analyze the relationship between the selected variables. The results of this stud

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정재욱 and Seung Ho Son. "A Study on the Relationships between Personal Credit Information and Probability of Loss as well as Loss Ratio: A Case for Personal Comprehensive Automobile Insurance." Journal of Risk Management 20, no. 2 (2009): 17–58. http://dx.doi.org/10.21480/tjrm.20.2.200912.002.

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Nguyen, Phuong Anh, and Thi Thuy Trang Dinh. "Factors Affecting Bank Risks in Vietnam." International Journal of Economics and Finance 13, no. 10 (2021): 42. http://dx.doi.org/10.5539/ijef.v13n10p42.

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The research identifies the determinants of credit risk and insolvency risk in the Vietnamese banking sector. Using the data sample of 25 commercial banks over ten years (2008-2017), we examine the relationship between internal variables, external variables, and bank risks. In this study, the independent variables are bank size, bank capitalization, return on asset, return on equity, loan loss provision, capital adequacy ratio, inflation rate, and GDP growth rate. In contrast, non-performing loans and Z-score are the dependent variables. The empirical results show that all factors have an effe

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17

Rahayu, Ketut Eny, C. Ardina, and M. Sumartana. "Analysis of Uncollectible Receivables and Their Impact on Profitability at The Legian Bali." Journal of Applied Sciences in Accounting, Finance and Tax 3, no. 2 (2020): 152–57. http://dx.doi.org/10.31940/jasafint.v3i2.2144.

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The application of a credit system is one strategy that could be used by a company to increase sales. Sales made on credit will automatically increase account receivable and if accounts receivable not appropriately managed, it can become uncollectible accounts. This study aims to determine the condition of uncollectible accounts and their impact on profitability at The Legian Bali. The data used in this research are credit sales, account receivable aging schedule, accounts receivable policy data, and profit/loss data. The data collected by conducting interviews, documentation and observation.

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18

Hanus, I., I. Plikus, and T. Zhukova. "DEBTOR RATING AS A TOOL OF DEBT MANAGEMENT." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 3 (2020): 121–29. http://dx.doi.org/10.21272/1817-9215.2020.3-13.

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IFRS 9 “Financial Instruments” introduced a new model of impairment based on expected credit losses, in which the impairment is based on expected credit losses, and the provision for losses is recognized before the credit loss, i.e. companies recognize losses immediately after initial recognition of the financial asset and revise the amount of the provision for expected credit losses at the reporting date. To create a provision for credit losses, IFRS 9 allows using several practical tools, including the rating debtors’ method. However, IFRS 9 does not express a clear opinion on how the expect

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19

Makri, Vasiliki, and Konstantinos Papadatos. "Determinants of Loan Quality: Lessons from Greek Cooperative Banks." Review of Economic and Business Studies 9, no. 1 (2016): 115–40. http://dx.doi.org/10.1515/rebs-2016-0028.

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AbstractThe article focuses on the credit risk of cooperative banks in Greece. The main objective is to define which factors are responsible for variations in loan quality during the period 2003-2014. Loan quality is measured by Loan Loss Reserves Ratio (LLR) and dynamic regression techniques are implemented for the econometric estimations. The outlined results suggest that the macroeconomic environment (i.e. public debt, local unemployment, economic activity and inflation) and the accounting ratios (i.e. past loan quality and profitability) seem to be the explanatory variables of problem loan

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20

Zheng, Changjun, Shumaila Meer Perhiar, Naeem Gul Gilal, and Faheem Gul Gilal. "Loan Loss Provision and Risk-Taking Behavior of Commercial Banks in Pakistan: A Dynamic GMM Approach." Sustainability 11, no. 19 (2019): 5209. http://dx.doi.org/10.3390/su11195209.

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The paper analyzes the determinants of the loan loss provision (LLP) of 22 commercial banks in Pakistan from 2010 to 2017. The motive of the research is that LLP is a measure of credit risk as a proxy for bank risk-taking behavior profits and banks’ sustainability. Especially after the occurrence of a global financial crisis. The quantitative research method of data collection from Bureau Van Dijk’s BankFocus portal and the World Bank’s World Development Indicators. Other than considering specific bank variables such as capital adequacy ratio, return on average equity, and government securitie

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21

Porretta, Pasqualina, Aldo Letizia, and Fabrizio Santoboni. "Credit risk management in bank: Impacts of IFRS 9 and Basel 3." Risk Governance and Control: Financial Markets and Institutions 10, no. 2 (2020): 29–44. http://dx.doi.org/10.22495/rgcv10i2p3.

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The expected loss approach (ECL) defined by IFRS 9 replaced the old incurred loss approach (IAS 39) in the international accounting standard setter. In Europe, the IFRS 9 are accompanied by new regulatory frameworks (BCBS), opinion, technical standards (EBA) which do not always provide the same methodological and operational implications of the accounting standard setter. Many aspects of IFRS 9 have been studied, but this paper analyzes its interdependencies and overlaps with the credit risk framework for financial intermediaries (also Basel 3). Using a case study, the purpose of this paper is

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22

Bian, Yuetang (Peter), Yu Wang, and Lu Xu. "Systemic Risk Contagion in Reconstructed Financial Credit Network within Banking and Firm Sectors on DebtRank Based Model." Discrete Dynamics in Nature and Society 2020 (December 10, 2020): 1–14. http://dx.doi.org/10.1155/2020/8885657.

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This paper is dedicated to building a multilayer financial network within banking sectors and firm sectors (nonbanking) on the balance sheet of two types of agents and to assessing systemic risk contagion in the reconstructed network. Two propagation channels due to interbank credit and counterparty risk via banks’ loans to firms are comprehensively taken into account in systemic risk contagion assessment, which is based on the DebtRank model by analyzing the relative loss of each bank’s equity and the vulnerability of the network. The computational simulation on how systemic risk contagious p

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23

Karimah, Anifatul, SS Dwiningwarni, H. Masyhadi, and Ali Muhajir. "ANALISIS PERBANDINGAN KINERJA KEUANGAN DENGAN METODE CAR ANTARA PT. BRI (Persero) Tbk DAN PT. BNI (Persero) Tbk YANG TERDAFTAR DI BEI." eBA Journal: Journal Economics, Bussines and Accounting 4, no. 2 (2018): 76–83. http://dx.doi.org/10.32492/eba.v4i2.616.

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Banks are financial institutions that play an important role in the economy of a country. Therefore, the existence of a healthy bank is very necessary. This study aims to compare the financial performance of Indonesian people's banks (BRI) and Indonesian state banks (BNI) based on financial ratio analysis listed on the Indonesia Stock Exchange for the period 2012-2016. The study uses the CAR (Capital Adequacy Ratio) method in which the ratio shows how far all bank assets that contain risks (credit, participation, securities, bills at other banks) are also financed from the bank's own capital f

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Nurdiansyah, Dian Hakip, and Gusganda Suria Manda. "The Effect of Allowance for Bad Debt Loss to the Level of Profitability." ECONOMICS 6, no. 1 (2018): 125–39. http://dx.doi.org/10.2478/eoik-2018-0005.

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SUMMARY Local Bank (BPR) as one of the financial institutions in Indonesia in carrying out its activities collecting funds from the public in the form of savings and deposits and channeling back the funds collected through the provision of credit. This study aims to determine, describe and explain the Effect of Allowance for Bad Debt to the Level of Profitability in Subang BPR of Pabuaran Branch. The method used is descriptive method, and testing of the data - the data studied. The data used is data from the financial statements of PD BPR Subang of Pabuaran Branch in 2012 to 2015 with a monthl

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Yunanto, R. Rizki Andhitya, Ma'mun Sarma, and Darwin Kadarisman. "Evaluasi Kinerja PT Bank Perkreditan Rakyat Pesisir Akbar Kabupaten Bima, Nusa Tenggara Barat." MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah 10, no. 1 (2015): 73–83. http://dx.doi.org/10.29244/mikm.10.1.73-83.

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Coastal communities made up of fishermen, fish farmers, processors and traders of fishery products, businesses and services maritime industry as well as other communities living in coastal areas and small islands. BPR Pesisir Akbar in Bima Nusa Tenggara Barat is one of the six Coastal BPR in Indonesia which has one mission welfare of coastal communities around the operational area. The study aims to (1) Determine the influence of the level of financial and non-financial performance of PT BPR Pesisir Akbar, (2) analyze the factors that affect performance. Performances Evaluation of PT BPR Pesis

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Wujarso, Riyanto. "Mekanisme pembagian laba rugi pembiayaan sebagai sebuah tantangan bagi perbankan syariah di indonesia." Journal of Information System, Applied, Management, Accounting and Research 5, no. 3 (2021): 558. http://dx.doi.org/10.52362/jisamar.v5i3.398.

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Profit and loss sharing (PLR) in Islamic banking in Indonesia faces difficulties. Contracts for financing (PLR) include mudharabah and musyarakah. Before addressing the difficulties, this analysis evaluates the mudharabah and musyarakah contracts' execution. While a musyarakah contract requires investors and entrepreneurs to provide money and labor, a mudharabah contract allows the investor to supply capital and the entrepreneur to manage the firm. In terms of return on investment, all partners share profits and losses according to the pre-agreed musyarakah ratio; however, only the financier b

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Malik, Amina, Haroon Aziz, Buerhan Saiti, and Shahab Ud Din. "The Impact of Earnings variability and Regulatory Measures on Income Smoothing: Evidence from Panel Regression." Journal of Central Banking Theory and Practice 10, no. 1 (2021): 183–201. http://dx.doi.org/10.2478/jcbtp-2021-0009.

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Abstract This study investigates the impact of variability in earnings, stringent regulatory measures and the trend of extending loans while keeping in view deposit ratio on income smoothening practices for a sample of 20 commercial banks listed on the Pakistan Stock Exchange (PSX) from the year 2010 to 2017. The likelihood of smoothing activities is measured through its widely used proxy, i.e. loan loss provisions (LLPs). Moreover, earnings before tax and provisions (EBTP) and loan to deposit ratio (LD) have been incorporated to determine the impact of earnings and loans to deposit ratio on i

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Risal, Hari Copal, and Suprima Poudel. "Role of Credit Risk in Performance difference between A and B Class Banks in Nepal." NRB Economic Review 32, no. 1 (2020): 37–53. http://dx.doi.org/10.3126/nrber.v32i1.35297.

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This paper explains the performance differences between A and B class financial institutions arising from credit risk. The dynamic panel data from 2008 to 2019 has been considered from all 28 commercial banks and 11 national level development banks for analysis. Arellano Bond method has been performed to control the unobserved heterogeneity and to reduce biasness in the parameter estimation as they have both cross sectional and time dimensions. The results have shown clear differences in credit risk status between A class and B class bank with all the parameters except for Return on Assets (RO

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Rohaya, Mat Rahim Siti, and Fauziah Mahat. "Risk governance: Experience of Islamic banks." Risk Governance and Control: Financial Markets and Institutions 5, no. 2 (2015): 31–40. http://dx.doi.org/10.22495/rgcv5i2art4.

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Risk governance has evolved tremendously in the banking industry. Risk governance recommends the imperative roles of Chief Risk Officer (CRO) to oversee risk. This study explores risk governance influence over the Islamic banks performances. Multivariate analysis techniques measure simultaneously via Structural Equation Modelling (SEM). This study employed cross-sectional sample of 200 Islamic banks across 21 countries for the year 2014. To examine risk governance and Islamic banks performance, the study captures seventeen variables developed from risk management and corporate governance (ROA,

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Lagesh, M. A., Maram Srikanth, and Debashis Acharya. "Corporate Performance during Business Cycles: Evidence from Indian Manufacturing Firms." Global Business Review 19, no. 5 (2018): 1261–74. http://dx.doi.org/10.1177/0972150918788740.

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The present study is an attempt to assess the ‘probability of incurring loss’ of manufacturing firms in India during different phases of business cycles. We use data on a sample of 87 manufacturing companies for the period from 2002 to 2014 (comprising 1131 firm years). We use the panel logit model with the dependent variable derived from the return on assets to empirically test the hypothesis. Besides, we use firm-specific variables and macroeconomic variables as independent variables in the model. Firm-specific variables, namely size of the firm and interest coverage ratio and macroeconomic

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Taylor, Greg. "Modelling Mortgage Insurance Claims Experience: A Case Study." ASTIN Bulletin 24, no. 1 (1994): 97–129. http://dx.doi.org/10.2143/ast.24.1.2005084.

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AbstractMortgage insurance indemnifies a mortage lender against loss on default by the borrower. The sequence of events leading to a claim under this type of insurance is relatively complex, depending not only on the credit worthiness of the borrower but also on a number of external economic factors.Prominent among these external factors are the loan to valuation ratio of the insured loan, the disposable income of the borrower, and movements in property values. A broad theoretical model of the functional dependencies of claim frequency and average claim size on these variables is established i

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Abdi, Abdi, Mukhtar Mukhtar, Awaluddin Hamzah, and La Ode Jabuddin. "Analisis Kelayakan Ekonomi dan Finansial Penerapan Discount Factor pada Berbagai Kelompok Bank terhadap Usahatani Padi Organik di Kabupaten Buton Utara." Jurnal Ilmiah Membangun Desa dan Pertanian 5, no. 4 (2020): 129. http://dx.doi.org/10.37149/jimdp.v5i4.13040.

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Organic food agriculture, especially rice, is a potential business opportunity in the present and in the future. This is based on the principle of the benefits of organic food, which puts forward the principles of good health for plants, soil, animals, earth, and humans as an interconnected and inseparable whole. The objectives of this study were to analyze the economic and financial feasibility of organic rice farming in North Buton Regency, to analyze the economic and financial viability of farming when input prices change, and to compare the feasibility of organic rice farming in various ba

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Vuković, Sanja. "Stress Testing of the Montenegrin Banking System with Aggregated and Bank-Specific Data." Journal of Central Banking Theory and Practice 3, no. 2 (2014): 85–119. http://dx.doi.org/10.2478/jcbtp-2014-0012.

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Abstract There are many different approaches to the process of stress testing and two of them will be investigated in this paper. The first one is a stress test performed on aggregated data i.e. the banking system as a whole. The variable of interest in both exercises is the Loan Loss Provision ratio (hereinafter: the LLP). The main goal of the thesis is to find an answer to the following question: what are the macroeconomic variables that influence LLP the most and how will LLP, as a variable of interest, behave in a situation when all these variables were to experience negative performance a

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Le, Anh. "Separating the Components of Default Risk: A Derivative-Based Approach." Quarterly Journal of Finance 05, no. 01 (2015): 1550005. http://dx.doi.org/10.1142/s2010139215500056.

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In this paper, I propose a general pricing framework that allows the risk neutral dynamics of loss given default (Lℚ) and default probabilities (λℚ) to be separately and sequentially discovered. The key is to exploit the differentials in Lℚ exhibited by different securities on the same underlying firm. By using equity and option data, I show that one can efficiently extract pure measures of λℚ that are not contaminated by recovery information. Equipped with this knowledge of pure default dynamics, prices of any defaultable security on the same firm with non-zero recovery can be inverted to com

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Sukach, Olena. "Risk Minimization as a Tool to Ensure the Banks Security." Modern Economics 22, no. 1 (2020): 90–94. http://dx.doi.org/10.31521/modecon.v22(2020)-14.

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Introduction. The banking system of Ukraine, in the conditions of the current crisis, turned out to be untenable to quickly adapt to structural changes in the economy, which manifested itself in the absence of an effective system for managing banking risks. Further instability in the financial market will increase the negative impact on the level of financial security of the banking sector. Today there is a need for the formation of preventive measures for risk management, prevention of their occurrence and minimization, which will contribute to the safe position of the bank. Purpose. The main

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Ozili, Peterson K. "Banking stability determinants in Africa." International Journal of Managerial Finance 14, no. 4 (2018): 462–83. http://dx.doi.org/10.1108/ijmf-01-2018-0007.

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Purpose The purpose of this paper is to investigate the determinants of banking stability in Africa. Design/methodology/approach The authors present four measures of banking stability embedding banks’ loan loss coverage ratio, insolvency risk, asset quality ratio, and level of financial development, thereby allowing analysis of banking stability determinants from four complementary perspectives: protection for downside credit losses, distress arising from insolvency risk, non-performing loans, and financial development. The authors use the regression methodology to estimate the impact of finan

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Ali, Abdilatif Mao. "The impact of economic blockade on the performance of Qatari Islamic and conventional banks: a period-and-group-wise comparison." ISRA International Journal of Islamic Finance 12, no. 3 (2020): 419–41. http://dx.doi.org/10.1108/ijif-04-2020-0083.

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Purpose This paper aims to empirically assess the performance of Islamic banks (IBs) and conventional banks (CBs) in Qatar before and after the imposition of the economic blockade on Qatar and the significance of the blockade’s subsequent impact. Design/methodology/approach This study focuses only on the domestic commercial banks comprising four IBs and five CBs operating in Qatar. The banks’ financial reports are used as a secondary source to generate data. A study period from 2015 to 2019, separated into pre-blockade and post-blockade periods and comprising data on a semi-annual basis, was e

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Önen, Ferda Keskin, Hasan Eken, and Suleyman Kale. "Total Factor Productivity Change in Turkish Banking Sector During The Crisis Periods." International Journal of Research in Business and Social Science (2147-4478) 5, no. 5 (2016): 1–18. http://dx.doi.org/10.20525/ijrbs.v5i5.472.

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The precondition of the increase in the efficiency of the banks depends on their ability to compete. Through the banking sector with high competitive power, economic dynamism is promoted, and economic stability is ensured. The alteration in macroeconomic conditions affects the performance of the banking sector and financial stability. This study was used the malmquist productivity index to analyze the efficiency of 19 commercial banks operating in Turkey during the period of 1990 - 2012 for intermediation and profit approach. Banks have experienced productivity loss according to both approache

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Lestari, Puji, Syaiful Azhar, and Utik Nurwijayanti. "The Determinant Of Earnings Management: Size Aspect And Non-Performing Loans." MIMBAR : Jurnal Sosial dan Pembangunan 35, no. 1 (2019): 104–14. http://dx.doi.org/10.29313/mimbar.v35i1.4204.

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The quality of financial statements must meet the qualitative characteristics as required by Financial Accounting Standards. However, the quality of financial reports that have not matched the expectations is still prevalent in Indonesia, both in public and private sector, including in Bank Perkreditan Rakyat or BPR (Rural Bank). One of the financial statements manipulations that distorts the quality of BPR financial statements is earnings management. This study aims to determine the effect of size aspect and non-performing loans (NPL) on earnings management. Size is measured by total assets,

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Sangi, Abdur Rashid, Jianwei Liu, Mohammed S. Alkatheiri, and Satish Anamalamudi. "Secure opinion sharing for reputation-based systems in mobile ad hoc networks." Measurement and Control 53, no. 3-4 (2020): 748–56. http://dx.doi.org/10.1177/0020294019900314.

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Due to the basic nature of mobile ad hoc networks, that is, infrastructure-less, it is prone to individual or collective misbehaviors by participating node(s). Participating nodes could act selfishly and does cause massive loss to network performance because of limited resources or belonging to a different administrative domain. Reputation-based solutions are widely used to mitigate selfishness. These solutions are to some extent depend on the feedback from participating nodes for any given node which required its secure exchange in an adverse environment. This paper introduces a secure opinio

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Håkansson, A. "Role of Gambling in Payback Failure in Consumer Credit—Data from a Large Body of Material Regarding Consumer Loan Recipients in Sweden." International Journal of Environmental Research and Public Health 17, no. 8 (2020): 2907. http://dx.doi.org/10.3390/ijerph17082907.

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Indebtedness is associated with poor health outcomes, and problem gambling may contribute to indebtedness through consumer credits related to gambling expenses. The assessment of consumers’ applications for loans may be an opportunity to detect and prevent further problem gambling. The present study analyzed a number of variables including gambling-related transactions and their association with payback failure in 48,197 loans to 20,750 individuals in Sweden. Sums and frequency of gambling deposits or withdrawals generally did not predict failure to pay back loans. Instead, having a loan defau

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INONI, Odjuvwuederhie Emmanuel, Patterson Adogbeji EKOKOTU, and David Eduvie IDOGE. "Factors influencing participation in homestead catfish production in Delta State, Nigeria." Acta agriculturae Slovenica 110, no. 1 (2017): 21. http://dx.doi.org/10.14720/aas.2017.110.1.3.

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<p>Domestic fish production in Nigeria has been growing for the past decade, yet a widening demand-supply gap has persisted leading to a substantial loss in Nigeria’s foreign exchange earnings due to fish imports. In order to boost household food fish supply many individuals have converted available land space within their homestead for catfish production. This study, therefore, investigated the effects of socio-economic variables on the participation in homestead catfish production in the Central Agricultural Zone of Delta State, Nigeria. Using data from 137 respondents engaged in catfi

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Bartoletto, Silvana, Bruno Chiarini, Elisabetta Marzano, and Paolo Piselli. "Banking crises and business cycle: evidence for Italy(1861-2016)." Journal of Financial Economic Policy 11, no. 1 (2019): 34–61. http://dx.doi.org/10.1108/jfep-03-2018-0055.

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Purpose This paper aims to focus on the banking crises recorded in Italy in the period 1861-2016 and to propose a novel classification based upon the timing of the crisis with respect to the business cycle. Design/methodology/approach A simple and objective rule to distinguish between slowdown and inner-banking crises is introduced. The real impact of banking crises is evaluated by integrating the narrative approach with an empirical vector autoregression analysis. Findings First, banking crises are not always associated to economic downturns. Especially in Italy, (but this analysis can be eas

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Cebula, Richard J. "The Relative Tax Gap Hypothesis: An Exploratory Analysis and Application to U.S. Financial Markets." American Business Review 23, no. 1 (2020): 35–52. http://dx.doi.org/10.37625/abr.23.1.35-52.

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This study empirically investigates the “relative tax gap hypothesis,” which posits that the greater the size of the relative tax gap, the greater the degree to which the U.S. Treasury must borrow from domestic and/or other credit markets and hence the higher the ex ante real interest rate yield on the Bellwether 30 year U.S. Treasury bond. The study uses the most current data available for computing what is referred to here as the “relative tax gap,” which is the ratio of the aggregate tax gap (the loss in federal income tax revenue resulting from personal income tax evasion) to the GDP level

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Ghosh, Ratan, and Farjana Nur Saima. "Resilience of commercial banks of Bangladesh to the shocks caused by COVID-19 pandemic: an application of MCDM-based approaches." Asian Journal of Accounting Research 6, no. 3 (2021): 281–95. http://dx.doi.org/10.1108/ajar-10-2020-0102.

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PurposeThe purpose of this study is to analyze and forecast the financial sustainability and resilience of commercial banks of Bangladesh in response to the negative effects of COVID-19 pandemic.Design/methodology/approachEighteen publicly listed commercial banks of Dhaka Stock Exchange (DSE) have been taken as a sample for this study. To measure the riskiness of banks' credit portfolio, nine industries of DSE have been considered to determine probable loss of revenue arising from the COVID-19 pandemic shock. Moreover, two commonly used multiple-criteria-decision-making (MCDM) tools namely TOP

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ElBannan, Mona A. "Do consolidation and foreign ownership affect bank risk taking in an emerging economy? An empirical investigation." Managerial Finance 41, no. 9 (2015): 874–907. http://dx.doi.org/10.1108/mf-12-2013-0342.

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Purpose – The purpose of this paper is to examine the effect of bank consolidation and foreign ownership on bank risk taking in the Egyptian banking sector. Design/methodology/approach – Following prior studies (e.g. Yeyati and Micco, 2007; Barry et al., 2011), this study uses pooled Ordinary Least Squares regression models under two main analyses to test the relation between concentration and foreign ownership on one hand and bank risk-taking behavior on the other hand, where observations are pooled across banks and years for the 2000-2011 period. The reform plan was launched in 2004 and resu

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Krichene, Afef Feki, and Walid Khoufi. "On the Nonlinearity of the Financial Ratios-Credit Ratings Relationship." Applied Finance and Accounting 2, no. 2 (2016): 65. http://dx.doi.org/10.11114/afa.v2i2.1604.

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In this paper, we study the specificity of financial ratios in determining credit ratings. Specifically, we examine the nonlinearity of the financial ratios-credit ratings relationship. Among financial ratios, the interest coverage and debt coverage ratios have the most pronounced effect on credit ratings. To determine the form of the nonlinearity, the interest and debt coverage ratios are divided to four sub-variables with different weights associated to each increment. We find that different coefficients are associated to different increments of the interest coverage and debt coverage ratios

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Sidey-Gibbons, Chris, André Pfob, Malke Asaad, et al. "Development of Machine Learning Algorithms for the Prediction of Financial Toxicity in Localized Breast Cancer Following Surgical Treatment." JCO Clinical Cancer Informatics, no. 5 (March 2021): 338–47. http://dx.doi.org/10.1200/cci.20.00088.

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PURPOSE Financial burden caused by cancer treatment is associated with material loss, distress, and poorer outcomes. Financial resources exist to support patients but identification of need is difficult. We sought to develop and test a tool to accurately predict an individual's risk of financial toxicity based on clinical, demographic, and patient-reported data prior to initiation of breast cancer treatment. PATIENTS AND METHODS We surveyed 611 patients undergoing breast cancer therapy at MD Anderson Cancer Center. We collected data using the validated COmprehensive Score for financial Toxicit

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Vaid, Dr Sandhya. "Presenting a Seminar: Factors Influencing Student's Performance in Higher Education Institutes." International Journal of Multidisciplinary Research Configuration 1, no. 3 (2021): 28–23. http://dx.doi.org/10.52984/ijomrc1303.

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Modern day Universities/ Degree Colleges/ Higher Education Institutes have made SC as mandatory curriculum for those pursuing UG/ PG degrees. SCR necessitates presentation for course credit. Seminar is evaluated by jury of experts. Clinical formulations of CDC Zoology (PG) students were studied in context with factors influencing student's performance in SCR presentation. Parameters like behavior, presentation, communication skills and viva-voce were monitored. Clinical psychology of 193 CDC students were studied over a period of 10 years in batches. The excellent performance in presentation o

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Kucukkocaoglu, Guray, and M. Ayhan Altintas. "Using non-performing loan ratios as default rates in the estimation of credit losses and macroeconomic credit risk stress testing: A case from Turkey." Risk Governance and Control: Financial Markets and Institutions 6, no. 1 (2016): 52–63. http://dx.doi.org/10.22495/rgcv6i1art6.

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In this study, inspired by the Credit Portfolio View approach, we intend to develop an econometric credit risk model to estimate credit loss distributions of Turkish Banking System under baseline and stress macro scenarios, by substituting default rates with non-performing loan (NPL) ratios. Since customer number based historical default rates are not available for the whole Turkish banking system’s credit portfolio, we used NPL ratios as dependent variable instead of default rates, a common practice for many countries where historical default rates are not available. Although, there are many

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