Banks and Bank Systems最新文献_第2页

Internal determinants of bank deposit flows under different market conditions in Ghana 加纳不同市场条件下银行存款流动的内部决定因素

Banks and Bank Systems Pub Date : 2024-03-28 DOI: 10.21511/bbs.19(1).2024.19

Mulatu Fekadu Zerihun

{"title":"Internal determinants of bank deposit flows under different market conditions in Ghana","authors":"Mulatu Fekadu Zerihun","doi":"10.21511/bbs.19(1).2024.19","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.19","url":null,"abstract":"This study analyzes the effect of internal factors of bank performance on deposit flows, considering the changes in the stock market conditions in Ghana. A panel dataset covering 2007 to 2021 of 18 banks in Ghana is applied in a dynamic panel model for the analysis. The results show that the lagged deposit growth exerts an impressive influence of 0.68 percent on the future deposit flows of banks, thus positing a favorable implication for their trading momentum. Also, liquidity was found to have a negative relationship of –0.64 percent with deposit growth. This implies that the holding of excess liquidity diminishes investors’ confidence in a bank’s ability to generate more revenue to enhance the value of their funds, as high liquidity ratios reduce the bank’s capacity to grant more loans for profit. Furthermore, the analysis revealed a positive effect of 1.93 percent by expenditure on deposit growth, which suggests that depositors recognize a rise in operational costs as an indication of a bank’s potential for growth and rapid expansion. Moreover, the analysis found the existence of a negative effect of –0.88 percent by the stock market conditions on deposit growth, which implies that bullish market conditions reduce bank deposits. This verifies that the determinants of deposit flows adapt to the changes in market conditions. Policy strategies should include non-performance metrics such as an increase in the interest paid on customers’ deposits, product promotions, and targeted advertisements to sustain the inflow of depositors’ funds under changing market conditions.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140372003","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

ESG disclosure and financial performance: Empirical study of Vietnamese commercial banks 环境、社会和公司治理信息披露与财务业绩：越南商业银行的经验研究

Banks and Bank Systems Pub Date : 2024-03-22 DOI: 10.21511/bbs.19(1).2024.18

Bui Thi Thu Loan, Tran Thi Lan Anh, Trang Hoang

{"title":"ESG disclosure and financial performance: Empirical study of Vietnamese commercial banks","authors":"Bui Thi Thu Loan, Tran Thi Lan Anh, Trang Hoang","doi":"10.21511/bbs.19(1).2024.18","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.18","url":null,"abstract":"Environmental, social, and governance (ESG) disclosure becomes vital for banks to be transparent and accountable for their investments and lending decisions to shareholders, regulators, and society. The potential enhancement of shareholder value through ESG disclosure is still inconsistent. Empirical studies on the association between ESG disclosure and financial performance are mixed and limited in emerging economies. This study aims to examine whether ESG disclosure impacts the financial performance of 24 Vietnamese commercial banks in terms of return on assets (ROA), return on equity (ROE), and net interest margin (NIM). The study uses the feasible generalized least squares estimation method based on panel data from 2018 to 2022. The study employs content analysis on 12 themes related to environmental, social, and governance pillars to score policy disclosure based on the Fair Finance Guide Methodology. The results highlight the positive effects of ESG policy disclosure, individual environment disclosure (E), and individual governance disclosure (G) on bank financial performance. Notably, ESG, E, and G have the largest influence on ROE, with coefficients of 0.051, 0.036, and 0.027, respectively, at a 5% significance level. However, the study does not provide evidence of a statistically significant association between social disclosure and financial performance. These results provide empirical evidence for regulators and bank managers to shape ESG policies and practices aligning with international standards.\u0000AcknowledgmentESG disclosure score of 11 banks as primary data in this study is conducted under the project coordinated by the Fair Finance Vietnam coalition, as part of Fair Finance International.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140216567","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

The impact of fintech peer-to-peer lending and Islamic banks on bank performance during COVID-19 COVID-19 期间金融科技同行借贷和伊斯兰银行对银行业绩的影响

Banks and Bank Systems Pub Date : 2024-03-21 DOI: 10.21511/bbs.19(1).2024.17

Sri Wahyuni, Abiyajid Bustami, Rinna Ramadhan Ain Fitriah, Muh Shadiqul Fajri AF, R. Yudaruddin

{"title":"The impact of fintech peer-to-peer lending and Islamic banks on bank performance during COVID-19","authors":"Sri Wahyuni, Abiyajid Bustami, Rinna Ramadhan Ain Fitriah, Muh Shadiqul Fajri AF, R. Yudaruddin","doi":"10.21511/bbs.19(1).2024.17","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.17","url":null,"abstract":"This study delves into the influence of Peer-to-Peer (P2P) Fintech lending on bank performance in Indonesia, with a specific focus on its effects on Islamic banks both before and during the COVID-19 pandemic. Employing a fixed-effects model, unbalanced panel data from 121 banks, including 16 Islamic banks, were analyzed. The findings unveil a significant and positive impact of growth loan disbursement to borrowers from P2P lending on bank performance, particularly in terms of return on assets. Additionally, Islamic Banks exhibit a significant and favorable effect on overall bank performance. Conversely, the joint interaction between P2P lending and Islamic Banks demonstrates a negative and significant influence on Islamic bank performance, suggesting that while P2P lending may benefit conventional banks, it adversely affects Islamic banks. Furthermore, this negative impact is exacerbated during the COVID-19 period. These outcomes underscore the importance of collaboration or strategic alliances between P2P lending platforms and Islamic banks, particularly in the context of the COVID-19 pandemic.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140223101","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

Board gender diversity and bank performance in Jordan 约旦董事会性别多样性与银行业绩

Banks and Bank Systems Pub Date : 2024-03-20 DOI: 10.21511/bbs.19(1).2024.16

Marwan Mansour, Mo’taz Kamel Al Zobi, Dheif Allah E’leimat, Sad Abu Alim, Ahmad Marei

{"title":"Board gender diversity and bank performance in Jordan","authors":"Marwan Mansour, Mo’taz Kamel Al Zobi, Dheif Allah E’leimat, Sad Abu Alim, Ahmad Marei","doi":"10.21511/bbs.19(1).2024.16","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.16","url":null,"abstract":"Board diversity is crucial for corporate governance and improves corporate outcomes by aligning management with stakeholders’ interests. Compared to advanced environments, Jordan’s decent sociocultural backdrop exhibits a higher level of gender bias. This study investigates the influence of board gender diversity (BGD) on Jordanian banking sector performance, an under-explored area. This quantitative paper employs Ordinary Least Squares (OLS), random, and fixed-effect approaches to analyze 182 bank-year observations for balanced longitudinal data analysis. These approaches correctly establish the BGD-Tobin’s Q nexus during 2010–2022. The coefficient of determination was 70.57%. The model confirms a positive correlation between BGD and market-based performance indicators. Findings support agency and resource dependency hypotheses, showing BGD’s role in decision-making. Hence, a one-unit increase in BGD causes a 37.2-cent increase in Tobin’s Q measure. Moreover, a one-unit change in board independence, board meetings, size, women’s representation in top management, and capital adequacy ratio, assuming all other factors remain constant, results in Tobin-Q changes of 2.57 cents, 32.8 cents, 5.78 cents, 51.2 cents, 30.55 cents, and 22.86 cents, respectively, and the same direction. The results show how BGD enhances bank performance and contributes to relevant theories. The results are vigorous in a variety of identification and estimation methodologies.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140225913","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

Does behavioral biases matter in SMEs' borrowing decisions? Insights from Morocco 行为偏差对中小企业的借贷决策有影响吗？摩洛哥的启示

Banks and Bank Systems Pub Date : 2024-03-19 DOI: 10.21511/bbs.19(1).2024.15

Khalid AYAD, Anass Touil, Nabil El Hamidi, Khaoula Dobli Bennani

引用次数: 0

Enhancing financial performance and risk management in Kazakhstan’s banking sector 提高哈萨克斯坦银行业的财务业绩和风险管理

Banks and Bank Systems Pub Date : 2024-03-19 DOI: 10.21511/bbs.19(1).2024.14

Perizat Buzaubayeva, Aigul Orazbayeva, Alina Gulzhan, Zamzagul Baimagambetova, G. Kenges

{"title":"Enhancing financial performance and risk management in Kazakhstan’s banking sector","authors":"Perizat Buzaubayeva, Aigul Orazbayeva, Alina Gulzhan, Zamzagul Baimagambetova, G. Kenges","doi":"10.21511/bbs.19(1).2024.14","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.14","url":null,"abstract":"This study aims to assess the impact of regulatory compliance on the effectiveness of risk management and the financial performance of Kazakhstan’s banking sector. Applying Structural Equation Modeling (SEM), the study examines data from Kazakhstani banking institutions, revealing the direct and mediated impacts of regulatory compliance on financial performance, with risk management efficacy as a key intermediary. The analysis identifies a significant direct relationship between regulatory compliance and risk management efficacy (coefficient: 0.45, p-value: < 0.001), suggesting that compliance efforts substantially bolster risk management capabilities. The impact of risk management efficacy on financial performance is also notable (coefficient: 0.35, p-value: < 0.001), confirming its crucial role in financial success. Additionally, a direct, though less pronounced, influence of regulatory compliance on financial performance is observed (coefficient: 0.20, p-value: 0.004). The model’s explanatory power is reflected in an R-squared value of 0.248, indicating that it accounts for approximately 24.8% of the variability in financial performance. These findings underline the critical role of regulatory adherence and effective risk management in ensuring financial success, offering strategic insights for banking operations in Kazakhstan.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140230758","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

The impact of liquidity on common stocks returns: Empirical insights from commercial banks in Nepal 流动性对普通股回报的影响：尼泊尔商业银行的经验启示

Banks and Bank Systems Pub Date : 2024-03-11 DOI: 10.21511/bbs.19(1).2024.13

Prem Bahadur Budhathoki, G. Bhattarai, Arjun Kumar Dahal

{"title":"The impact of liquidity on common stocks returns: Empirical insights from commercial banks in Nepal","authors":"Prem Bahadur Budhathoki, G. Bhattarai, Arjun Kumar Dahal","doi":"10.21511/bbs.19(1).2024.13","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.13","url":null,"abstract":"Most developed and emerging economies pay substantial attention to liquidity to understand stock return behavior. However, there is a need for more focus on understanding the impact of such factors on stock returns in developing countries such as Nepal. This study aims to examine the effect of liquidity, size, financial and asset risk, growth potential, and profitability on stock returns in Nepalese commercial banks. A pooled ordinary least squares regression model is utilized, employing data from the Central Bank of Nepal and the Nepal Stock Exchange. There are 249 observations in the data set, which covers the period from 2009/10 to 2019/20. The model considers the impact of trading volume, market capitalization, book-to-market ratio, asset growth, and return on asset on stock returns in Nepalese commercial banks. The results indicate that trading volume, a proxy of liquidity, positively affects stock returns in Nepalese commercial banks. The finding reveals that when other variables are held constant, a 0.288 percent increase in stock returns is expected for a one percent rise in trading volume. However, asset growth and return on assets show a weakly favorable link with stock returns in Nepal. Conversely, the research findings suggest an insignificant inverse correlation between book-to-market and stock returns. A decrease in stock returns of 0.307 percent is expected for a one percent increase in the book-to-market ratio. Similarly, market capitalization has a negligible effect on stock returns in Nepal.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140253187","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

Factors influencing the multinational banks’ decisions to curtail operations in russia: Does ESG matter? 影响跨国银行决定缩减在俄罗斯业务的因素：环境、社会和公司治理是否重要？

Banks and Bank Systems Pub Date : 2024-03-07 DOI: 10.21511/bbs.19(1).2024.12

Heorhiy Rohov, O. Kolodiziev, S. Yehorycheva, I. Krupka, Markiian Zaplatynskyi

{"title":"Factors influencing the multinational banks’ decisions to curtail operations in russia: Does ESG matter?","authors":"Heorhiy Rohov, O. Kolodiziev, S. Yehorycheva, I. Krupka, Markiian Zaplatynskyi","doi":"10.21511/bbs.19(1).2024.12","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.12","url":null,"abstract":"The paper is devoted to an under-researched topic of the international business community’s reaction to russia’s armed aggression against Ukraine. It aims to evaluate how G7 and EU financial sanctions, institutional pressure, ESG ratings, and asset value of multinational banks in russia influence their decisions to reduce activities in the invading country. The study used the Yale CELI database of companies leaving and staying in Russia for the classification tree method. The results show that none of the banks headquartered in G7 and EU member states that had no or relatively little assets in russia before the invasion are doing business there on a pre-war scale. Unlike banks headquartered in other countries, most either curtailed their presence in that market or exited the market. This indicates that financial sanctions imposed by G7 and EU member states and institutional pressure on banks in these countries to withdraw from the russian market have proven effective to a certain extent. However, these factors do not meaningfully influence the business of multinational banks with significant assets in russia. The study has not confirmed the hypothesis that a bank with higher ESG ratings is more likely to curtail its operations in the market of an aggressor country and withdraw. However, nearly all banks that scaled back significant activities or even pulled out of russia have better ESG indicators than the industry average. The results suggest the feasibility of improving the methodologies of ESG rating providers for accurately measuring business reactions to aggression and war crimes.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140258669","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

Impact of digital transformation on the organization’s financial performance: A case of Jordanian commercial banks listed on the Amman Stock Exchange 数字化转型对组织财务业绩的影响：安曼证券交易所上市的约旦商业银行案例

Banks and Bank Systems Pub Date : 2024-03-04 DOI: 10.21511/bbs.19(1).2024.11

Nahed Habis Alrawashedh, Mohammad Fawzi Shubita

{"title":"Impact of digital transformation on the organization’s financial performance: A case of Jordanian commercial banks listed on the Amman Stock Exchange","authors":"Nahed Habis Alrawashedh, Mohammad Fawzi Shubita","doi":"10.21511/bbs.19(1).2024.11","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.11","url":null,"abstract":"Digital transformation refers to strategic activities undertaken by organizations to improve and simplify their process and even alter their business models with abreast to enhance firm performance. Thus, the aim of this study was to analyze the impact of digital transformation on organizational performance among the Jordanian commercial banks listed on the Amman Stock Exchange. The descriptive research design was used in this quantitative study. Primary data were collected to achieve the objectives of the study. The target population was employees (managers and non-managers) of Jordanian commercial banks listed on the Amman Stock Exchange. The sample size was selected using Krejcie and Morgan rule; after data cleaning procedures, the final sample of 282 respondents was used for final analysis. The study employed regression analysis to arrive at the results. The results confirm that digital transformation has a significant positive effect on customer experience and IT innovation. These results were significant at a 1% level. The results also confirm that digital transformation has a significant positive effect on firm performance, with a significance level of 1%. Moreover, the significant positive impact of customer experience and IT innovation was confirmed. Therefore, the significant positive impact of digital transformation on firm performance was found viz-a-viz direct as well as indirect route.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140266752","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

Fiscal and real repercussions of the Central Bank of Iraq’s real estate initiatives by using Multiple Correspondence Analysis 利用多重对应分析法分析伊拉克中央银行房地产举措的财政和实际影响

Banks and Bank Systems Pub Date : 2024-02-29 DOI: 10.21511/bbs.19(1).2024.09

Ahmed Abdulzahra Hamdan, Safaa Ali Hussein

{"title":"Fiscal and real repercussions of the Central Bank of Iraq’s real estate initiatives by using Multiple Correspondence Analysis","authors":"Ahmed Abdulzahra Hamdan, Safaa Ali Hussein","doi":"10.21511/bbs.19(1).2024.09","DOIUrl":"https://doi.org/10.21511/bbs.19(1).2024.09","url":null,"abstract":"The importance of the study stems from the fact that Iraq’s economy is facing a housing crisis, especially in the Iraqi capital, Baghdad, great demographic pressure due to pronounced population growth over the past two decades. The Central Bank of Iraq undertakes several initiatives represented in granting real estate loans, mainly through the Real Estate Bank at very low interest, and in the last two years, the interest has become zero. The purpose of the study is to analyze the fiscal implications of the Iraqi central bank’s real estate initiatives, as well as its real impact on the spatial dimension of the Iraqi governorates through new housing in those governorates. Using data mainly from the Central Bank of Iraq’s bulletins, the study obtained a 6-year sample of study variables for 15 Iraqi governorates. Multiple Correspondence Analysis (MCA) was used to test such repercussions. One of the study’s findings is that the greatest impact of the Iraqi central bank’s real estate initiative was the fiscal and real repercussions for the year 2021, and the highest relative impact was in Baghdad governorate, with fiscal and real returns distinct from the rest of the governorates. One of the conclusions reached is that the strength of the fiscal repercussion was more important, more significant, and stronger than the real impact of the initiatives of the Central Bank of Iraq. Similarly, it was concluded that Baghdad was the first governorate that benefited from the effects of the initiative.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-02-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140413625","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