PSN: Financial Institutions (Topic)最新文献_第4页

Small Bank Lending in the Era of Fintech and Shadow Banking: A Sideshow? 金融科技和影子银行时代的小银行贷款:一场杂耍?

PSN: Financial Institutions (Topic) Pub Date : 2020-11-18 DOI: 10.2139/ssrn.3317672

Taylor A. Begley, K. Srinivasan

引用次数: 9

Banks’ Home-Bias in Government Bond Holdings: Will Banks in Low-Rated Countries Invest in European Safe Bonds (ESBies)? 银行持有政府债券的本土偏好:低评级国家的银行会投资欧洲安全债券(ESBies)吗?

PSN: Financial Institutions (Topic) Pub Date : 2020-09-15 DOI: 10.2139/ssrn.3693026

J. Dermine

{"title":"Banks’ Home-Bias in Government Bond Holdings: Will Banks in Low-Rated Countries Invest in European Safe Bonds (ESBies)?","authors":"J. Dermine","doi":"10.2139/ssrn.3693026","DOIUrl":"https://doi.org/10.2139/ssrn.3693026","url":null,"abstract":"The bank literature has documented theoretical and empirical evidence of a “diabolic loop” in the sovereign-bank nexus. Banks have a concentrated risk exposure in domestic government bonds. In the European banking union, this has led to a proposal to create European safe bonds (ESBies). Securitized sovereign bond-backed securities would facilitate geographical sovereign diversification, hence contributing to bank stability. But will banks in low-rated countries invest in safe bonds?<br><br>This paper offers two new explanations for the home bias in government bond holdings: a sovereign-based rating cap on corporates and the existence of a ‘bank tax’. These are complementary to the four explanations offered in the literature: risk shifting, gambling for resurrection, moral suasion, and a way to store liquidity for financing future investment. Collectively they cast doubt on a demand-led approach to investment in safe bonds by banks in low-rated countries. Bank regulations such as constraints on large exposure or risk-based capital on credit risk concentration will be needed if the objective is to break the so-called “deadly embrace”.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115479044","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Shadow Prices of Non-performing Loans for Chinese Banks in the Post-Crisis Era 后危机时代中国银行不良贷款的影子价格

PSN: Financial Institutions (Topic) Pub Date : 2020-09-14 DOI: 10.2139/ssrn.3692832

Shirong Zhao

{"title":"Shadow Prices of Non-performing Loans for Chinese Banks in the Post-Crisis Era","authors":"Shirong Zhao","doi":"10.2139/ssrn.3692832","DOIUrl":"https://doi.org/10.2139/ssrn.3692832","url":null,"abstract":"This paper examines how non-performing loans (NPLs) affect Chinese commercial\u0000banks before, during, and after the 2008 global financial crisis as well as the\u0000subsequent 2008--2010 stimulus. By accounting for NPLs as undesirable outputs,\u0000banks' technical efficiency is estimated using directional output distance function.\u0000The envelop theorem is applied to calculate the shadow price of NPLs. The shadow\u0000price of NPLs is the opportunity cost of reducing NPLs by one Chinese yuan.\u0000Empirical results show that the four major state-owned banks are the least\u0000technically efficient while foreign banks are the most efficient over the sample\u0000period 2007-2014. I also find that the crisis has a negative effect on banks' technical\u0000efficiency while the stimulus initially has a positive effect on four major stateowned commercial banks and joint-stock commercial banks, but later shows a\u0000negative effect with a higher default ratio and lower efficiency. Finally, the data\u0000show that the stimulus has greatly increased the shadow price of NPLs for four\u0000major state-owned commercial banks. Starting in 2011, the shadow prices of NPLs\u0000for four major state-owned commercial banks are much higher than all other bank\u0000types.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125991532","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Shariah Audit In-Regularities on Financial Performance of Islamic Banks 伊斯兰教法审计对伊斯兰银行财务绩效的影响

PSN: Financial Institutions (Topic) Pub Date : 2020-08-28 DOI: 10.2139/ssrn.3682783

M. Muzammil, D. Siddiqui

{"title":"Shariah Audit In-Regularities on Financial Performance of Islamic Banks","authors":"M. Muzammil, D. Siddiqui","doi":"10.2139/ssrn.3682783","DOIUrl":"https://doi.org/10.2139/ssrn.3682783","url":null,"abstract":"Given the increase of Islamic financial institutions across the world, it is integral to identify the significance and impact caused by its amalgamation of the improved financial performance of these banks. The primary objective of this research was to assess the Shariah audit in-regularities of Islamic banks in Pakistan. This was achieved using an exploratory study design. Qualitative interviews using a semi-structured approach were held with the 15 interviewees, who highlighted the different ways performance can be enhanced, and Shariah audit in-regularities can be adopted. The content analysis approach is used, which helps highlight that Islamic banks in Pakistan further require improvement as well as enhancement in their skill set. The absence of regulations and standards impacts the financial performance of Islamic banks in Pakistan, given their indulgence in the first-time established practices. Different procedures concerning the operations of the Islamic banks aimed at improving its style should be promoted. It suggests the integration of transparent practices, improved training, and the adoption of standardized policies for better financial performance in the Islamic banks in Pakistan. It also suggests that future researches could use different settings, designs, and samples for enhancing the research scope.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130577681","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

Arbitrability of Banking Disputes 银行纠纷的可仲裁性

PSN: Financial Institutions (Topic) Pub Date : 2020-08-14 DOI: 10.2139/ssrn.3673769

Prakhar Chandel

引用次数: 0

Deposit Insurance Premiums and Bank Risk-Taking 存款保险费与银行风险承担

PSN: Financial Institutions (Topic) Pub Date : 2020-08-10 DOI: 10.2139/ssrn.3676610

Edward Kim, Marcelo Rezende

引用次数: 2

Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust 手机银行采用:计划行为与感知信任的分解理论

PSN: Financial Institutions (Topic) Pub Date : 2020-07-25 DOI: 10.2139/ssrn.3660403

Haitham Jouda, Ali Abu Jarad, Tareq Obaid, Samir Abu Mdallalah, Ahmed Awaja

引用次数: 16

Public-Private Co-Lending: Evidence from Syndicated Corporate Loans 公私联合借贷:来自企业银团贷款的证据

PSN: Financial Institutions (Topic) Pub Date : 2020-07-19 DOI: 10.2139/ssrn.2814144

Veljko Fotak, Haekwon Lee

引用次数: 9

Effect of CAMELS Financial Indicators on Profitability of Systemically Important Banks (SIBs) in Nigeria 骆驼财务指标对尼日利亚系统重要性银行(sib)盈利能力的影响

PSN: Financial Institutions (Topic) Pub Date : 2020-07-01 DOI: 10.2139/ssrn.3666896

A. B. Dogarawa

{"title":"Effect of CAMELS Financial Indicators on Profitability of Systemically Important Banks (SIBs) in Nigeria","authors":"A. B. Dogarawa","doi":"10.2139/ssrn.3666896","DOIUrl":"https://doi.org/10.2139/ssrn.3666896","url":null,"abstract":"In Nigeria, following the classification of banks into systemically important banks (SIBs) and non-systemically important banks (non-SIBs) in 2013, there has been concern about whether or not the designated SIBs are playing their leading role in financial performance and soundness in the industry. One of the tools that has been used by academics and financial analysts to evaluate the overall financial performance and soundness of banks over the years is the acronym of CAMELS, which stands for capital adequacy, assets quality, management efficiency, earnings ability, liquidity and sensitivity to market risk. This paper assessed the effect of CAMELS financial indicators on profitability of SIBs in Nigeria using secondary data extracted from the financial statements and account of seven (7) SIBs over the period of nine years (2010 – 2018). The paper formulated six hypotheses and applied multiple regression to analyse the data. After subjecting the data to relevant tests of robustness, the result of the pooled OLS regression revealed that capital adequacy, asset quality, management efficiency, liquidity and sensitivity to market risk have significant effect on profitability of SIBs in Nigeria. Based on the findings, the paper recommended among other things that CBN should be carrying out its on-site examination function more regularly to increase its surveillance on the SIBs in order to ensure that imprudent and unethical behaviour that erodes liquidity, quality capital and shareholders’ funds are spotted early. In addition, management of SIBs should use strategies that would enable them reduce lending related expenses in order to enhance their earnings ability and consequently increase the profit volume of their banks.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117154580","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

Determinants of Islamic Bank Profitability: Evidence from Indonesia 伊斯兰银行盈利能力的决定因素:来自印度尼西亚的证据

PSN: Financial Institutions (Topic) Pub Date : 2020-06-30 DOI: 10.35609/jfbr.2020.5.1(1)

GATR Journals Submitter, Puji Sucia Sukmaningrum, Kashan Pirzada, S. Rusmita, F. Hasib, T. Widiastuti, A. Hendratmi

{"title":"Determinants of Islamic Bank Profitability: Evidence from Indonesia","authors":"GATR Journals Submitter, Puji Sucia Sukmaningrum, Kashan Pirzada, S. Rusmita, F. Hasib, T. Widiastuti, A. Hendratmi","doi":"10.35609/jfbr.2020.5.1(1)","DOIUrl":"https://doi.org/10.35609/jfbr.2020.5.1(1)","url":null,"abstract":"Objective – Islamic Banks have a distinct advantage that is not only conduct a commercial operation, but to also conduct social operations. Therefore, Islamic Banks plays an important role in developing the Indonesian economy. The aim of this study is to investigate the impact of internal and external factors that affect the profitability of Islamic Banks in Indonesia.\u0000Methodology/Technique – The methodology of this research is multiple regression. The object of this research is the Islamic banking industry in Indonesia. Internal factors include size, liquidity, asset quality, management, and efficiency ratio. External factors include interest rate and inflation. Return on Assets is used to measure profitability. The monthly data is collected from the financial reports of Islamic Banks between 2011 to 2016.\u0000Findings – The findings show that size, liquidity, assets quality, management ratio, interest rate and inflation lead to a greater Return on Assets (profitability) in Islamic Banks in Indonesia. Efficiency however does not have a significant effect on profitability of Islamic Banks in Indonesia.\u0000Novelty – Based on the results of this research, it can be concluded that the Islamic banking industry can use those variables to improve the profitability of Islamic banks in the future. In addition, there are two variables that affect the profitability of Islamic banking industry. For the Islamic banking industry should anticipate the movement of inflation and interest to improve the profitability of Islamic banks.\u0000Type of Paper: Empirical paper.\u0000Keywords: Islamic Banks; Profitability; Internal Factors; External Factors; Indonesia.\u0000Reference to this paper should be made as follows: Sukmaningrum, P.S; Pirzada, K; Rusmita, S.A; Hasib, F.F; Widiastuti, T; Hendratmi, A. 2020. Determinants of Islamic Bank Profitability: Evidence from Indonesia, J. Fin. Bank. Review, 5 (1): pp. 01 – 13 https://doi.org/10.35609/jfbr.2020.5.1(1)\u0000JEL Classification: G21, G24.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"119 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133431464","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2