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By utilizing China's 2016 Implementation Plan for the Specific Rectification of Internet Financial Risks as an exogenous shock, we employ a difference-in-differences identification strategy to investigate the impact of FinTech regulation on banks' risk-taking. Our findings indicate that FinTech regulation strengthens banks' deposit franchises and funding liquidity. As reliable and interest-rate-insensitive funding sources, higher deposit franchises weaken banks' incentives for risk-taking. Further analysis, conducted to control for the potential interference of other policies, confirms the stable incremental effect of FinTech regulation. Moreover, we find that FinTech regulation tends to benefit banks with higher capital buffers and smaller sizes from a triple difference (difference-in-difference-in-difference) analysis. By focusing on the external effects of FinTech regulation, we aim to shed light on how regulatory gaps impact the formal financial system and highlight the importance of effectively regulating emerging financial entities. [ABSTRACT FROM AUTHOR]

Leveraging branch‐level data on bank deposits, we provide evidence of a negative impact of branching restrictions on payout ratios, which occurs only for banks with a low charter value, as proxied by the market‐to‐book ratio. The results for the market‐to‐book ratio extend to the Lerner index, the return on assets, and the Z‐score, suggesting that risk‐shifting incentives drive our results rather than signaling incentives or agency costs. Our results are robust to different proxies for banking competition and identification strategies, and bootstrap simulations suggest that our results are not due to confounding factors. [ABSTRACT FROM AUTHOR]

This study examines the determinants of profitability of deposit banks in Turkiye taking into account differences in the ownership structures of public, private domestic and foreign-owned banks. The aim of the study is to analyse whether the factors determining profitability change depending on the managerial differences that the ownership structure may entail. A seemingly unrelated regression method with monthly data from 2010 to 2022 is used for this purpose. Our findings suggest that the real effective exchange rate, inflation, and non-interest income variables have common effects on profitability regardless of bank ownership. However, the bank capital ratio, bank size, loan to deposit ratio, and economic activity affect profitability differently across bank ownership types. [ABSTRACT FROM AUTHOR]

A simple model is developed to analyze the effects of social media use by a bank's uninsured depositors. While social media increases the likelihood of bank runs, it can be ex-ante beneficial to a bank by raising its shareholders' equity. Social media enhances monitoring of a bank's financial condition, thereby giving uninsured depositors a valuable option to withdraw early and avoid potential losses in states when a bank is likely to be insolvent. Recognizing this option, uninsured depositors require a lower promised interest rate that reduces the bank's cost of funding at the expense of a greater liability for the bank's deposit insurer. [ABSTRACT FROM AUTHOR]

Purpose: This paper aims to determine causal relationships between the level of productive credit, real deposits and money demand - all of them in real terms - and Gross National Product between 2006 and 2020. Design/methodology/approach: The vector autoregressive technique (VAR) was used, where data from real macroeconomic aggregates published by the Central Bank of Ecuador (BCE) are correlated, such as productive credit, gross domestic product (GDP) per capita, deposits and money demand. Findings: The results indicate that there is no causal relationship, in the Granger sense, between GDP and financial activity, but there is between the growth rate of real money demand per capita and the growth rate of total real deposits per capita. Originality/value: The study shows that bank credit mainly finances the operations of current assets and/or liabilities. In addition, economic agents use the banking system mainly to carry out transactional and precautionary activities. [ABSTRACT FROM AUTHOR]

Motivated by the successful usage of machine learning around computer science and its wide acceptance from the finance literature, we utilize monthly data spanning the period 2008–2018 for the Euro area peripheral countries, in order to embark on a two-fold mission. First, to construct short-term prediction models for bank deposit flows in the Euro area peripheral countries, employing machine learning techniques. Second, to examine whether textual features enhance the predictive ability of our models. From the variety of models tested, we find that Random Forest models including both textual features and macroeconomic variables outperform models including only macro factors or textual features. Monetary policy authorities or macroprudential regulators could adopt our approach to timely predict potential excessive bank deposit outflows and assess the resilience of the whole banking sector in the Euro area peripheral countries. [ABSTRACT FROM AUTHOR]

This research explores the link between stock markets and banking deposits in South Asian (Pakistan, India, Sri Lanka, Nepal) countries. This study empirically examines the systemic risk potential of financial institutions in South Asia using current systemic risk statistics. Yearly data on stock prices and banking deposits from January 2000 to December 2020 were analyzed using a two-stage process. In the first phase, we measure VaR (value at risk), and in the second step, we measure the DCC GARCH model for our empirical analysis. The study findings reveal systemic risk spillover between the stock markets of South Asian countries and the relevant country's banking system deposits. The policymakers can use our study findings to create a more sustainable financial sector. [ABSTRACT FROM AUTHOR]

In the Turkish financial system; public, private and foreign capital deposit banks are classified according to their ownership structures. After the banking crises in the financial system, the share of foreign capital banks in the Turkish banking sector has increased significantly. Banks are the most important funding institutions for the real sector, and it is known that a crisis in the banking sector would seriously affect the real sector. The real sector's continued investments are important for the continuation of the country's economic growth and development. In this respect, the financial performance of banks in the Turkish banking system is also important. In the study, the financial performances of the top five private and foreign capital banks, which have a significant place in terms of asset size, are compared. Asset quality, liquidity, profitability and capital adequacy ratios are used as benchmarks and annual data for 2012-2022 are used as the analysis period. When evaluated on the basis of the ratios used in the study, no significant difference is found between the two groups in terms of profitability, no significant difference is found in terms of Total Loans/Total Assets and Non-Performing Loans/Total Loans in terms of asset quality, while a significant difference is found in favor of private capital banks on the basis of Total Loans/Total Deposits ratio. While a significant difference is found in favor of foreign capital banks in terms of liquidity ratios, it is concluded that foreign capital deposit banks performed better in terms of Equity/Total Assets ratio among capital adequacy ratios. [ABSTRACT FROM AUTHOR]

Banks greatly enhance an economy's ability to move financial resources around. However, many deceitful events have interfered with the way Deposit Banks operate. The goal of the bris study was to use a quantitative research methodology based on the ex post facto technique and positivist research philosophy to examine the consequences of deceit in Kosovo. The impact of deceit on Deposit banks was predicted by the study using Ordinary Least Square (OLS) and data from the Central Bank of Kosovo annual reports for 2012 to 2022. The results showed that the overall level of deceit had no discernible impact on the performance of Deposit Banks. In contrast, Bank Efficiency in Kosovo was positively influenced by the total number of reported incidents and the total number of staff members implicated in deceit. As a result, the study found that deceit in the banking industry negatively impacted Bank Efficiency and suggested that the Central Banks of Kosovo enact more regulation and oversight to curb the growing rate of deceit. [ABSTRACT FROM AUTHOR]

We study the Ricardian Equivalence Theorem in the presence of a reserve requirement. Banks pay depositors the deposit rate and receive the borrowing rate on loans. Equivalence fails because the reserve requirement drives a wedge between the deposit and borrowing rates implying that government faces a different intertemporal tradeoff than savers. A tax cut financed by an increase in government debt causes an increase in savings but only increases the supply of loanable funds by a fraction because of the reserve requirement. This causes interest rates to rise and consumption to fall. We also show that if the central bank pays interest on reserves at the borrowing rate, the various rates are equal, however, equivalence still fails. The reason is that future taxes to pay down the debt must be higher for the central bank to pay interest and consumption will fall in response. [ABSTRACT FROM AUTHOR]

This study investigates the influence of economic factors in ensuring access to financial services. Financial service accessibility is assessed using metrics such as the number of bank branches and ATMs per 100,000 people, as well as an index derived from these indicators. Drawing from existing literature, a set of economic variables - namely, employment, inflation, gross domestic savings, remittances, bank credit to deposits, and urbanization - are examined using data from 179 countries over eighteen years spanning from 2004 to 2021, with projections extending to 2023. The findings indicate that employment, remittances, bank credit to deposits, and urbanization exert statistically significant effects on access to financial services. These results are robust across alternative definitions of financial access, subsamples categorized by economic development, and exercises addressing endogeneity concerns. [ABSTRACT FROM AUTHOR]

Copyright of BIOAGRO is the property of Revista BIOAGRO and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Using natural disasters as shocks to local economies, we document that a bank branch's ability to set deposit rates locally has real effects. Following disasters, branches with rates set locally increase deposit rates more and experience higher deposit volumes in affected counties. Consistent with imperfect insurance from internal capital markets, banks with more branches setting rates locally relatively expand mortgage lending in affected counties. House prices recover faster in local areas where more branches' rates are set locally. This paper was accepted by Tomasz Piskorski, finance. Supplemental Material: The data files and online appendix are available at https://doi.org/10.1287/mnsc.2023.4856. [ABSTRACT FROM AUTHOR]

Payment innovation plays the central role in enhancing efficiency, accessibility, and financial inclusion within the banking sector, particularly in emerging economies like Nigeria. Through a systematic review of relevant literature, this study synthesises relevant theories and empirical studies to identify gaps in understanding the factors driving payment innovation among DMBs in Nigeria. The review reveals several key determinants influencing payment innovation among DMBs in Nigeria, including bank size, perceived usefulness, regulatory capital, research and development, human capital development, asset quality, leverage, and investment in information and communication technology (ICT). However, the study identified a significant research gap in establishing the directional relationship between these factors and payment innovation outcomes in the Nigerian banking context. Based on the findings, the paper recommends conducting empirical investigations to elucidate the causal relationships between DMBs in Nigeria and the identified determinants of payment innovation. In conclusion, this paper underscores the importance of understanding the determinants driving payment innovation among DMBs in Nigeria. By bridging the research gap through empirical investigations, stakeholders can better navigate the complexities of the banking industry and foster an environment conducive to on-going innovation and growth [ABSTRACT FROM AUTHOR]

Profitability is an intrinsic factor to keep the bank strong because profitability shows that a bank is operating efficiently. Considering the strong relationship between a strong banking system and economic growth, research on the determinants of bank profitability has been widely conducted. However, according to the extent of the studies, there is no proper and consistent attitude regarding the factors that determine the bank’s profitability. Accordingly, the purpose of this research was meta-analysis of factors affecting the profitability of the banking industry. This research was based on the purpose of applied-developmental research. In order to achieve the purpose of the study, first, articles were searched with the keywords of banking profitability and banking performance, and finally, 51 studies were selected for meta-analysis based on the inclusion and exclusion indicators of the articles. In order to analyze the data in this research, the overall effect size index and Z value were used to check its significance. Also, in the diffusion detection section, along with the use of funnel and precision charts, Duvall and Toid indices have been used to show point estimates and obtain error-free Q and N values. The results of the research show that there are 14 effective factors for the profitability of the banking industry, the most important of which are inflation, deposits and operational efficiency. [ABSTRACT FROM AUTHOR]

This study aimed to examine the effects of capital structure on the financial performance of Ethiopian commercial banks. The dependent variable, financial performance, is measured by Return on Assets (ROA), while factors such as loan-to-deposit ratio (LDR), asset-to-total equity ratio (ATER), total deposit-to-total asset ratio (TDTAR), capital adequacy ratio (CAD), and asset growth ratio (GA) were used as proxy independent variables to gauge capital structure. Using a quantitative approach and an explanatory research design, this study analyzes 6 years of audited financial reports from 14 commercial banks in Ethiopia. This investigation employs a random effect regression model and Stata 14 software package to explore the relationships among these variables. The result revealed that both the loan-to-deposit ratio and the total deposit-to-total asset ratio have a positive and significant impact on financial performance, while the asset growth ratio showed a negative effect. Based on these findings, this study recommends that bank authorities concentrate on bolstering their deposit base, managing asset growth efficiently, maintaining adequate capital levels, and optimizing leverage levels to improve financial performance and ensure long-term sustainability in the banking sector. Additionally, this research is anticipated to inform policymakers about regulatory frameworks for banks and assist banking managers in formulating effective capital financing strategies within the Ethiopian commercial banking sector, thus enriching the existing literature on the relationship between capital structure and financial performance. [ABSTRACT FROM AUTHOR]

The Aolunhua Mo deposit is a typical porphyry deposit, which is located in the middle southern section of the Da Hinggan Range metallogenic belt. Here, we report LA-ICP-MS zircon U-Pb age data from the Mo-associated granitoid, together with the element geochemistry of the zircons, discussing the source material of the ore-forming rock of the deposit. The zircon data constrain the crystallization age of the granite porphyry as 135.0 ± 1.0 Ma, correlating it with the widespread Yanshanian intermediate–felsic magmatic activity. The Th/U ratio of the zircon is greater than 0.1, with a significant positive Ce anomaly (Ce* = 1.72–188.71) and a negative Eu anomaly (Eu* = 0.05–0.57). The zircons show depleted LREE and enriched HREE patterns, as well as low La and Pr contents, suggesting crystallization from crust-derived magmas. Based on the geology of the ore deposit and the age data, in combination with the regional geodynamic evolution, we infer that the Aolunhua Mo deposit was formed near the peak stage of Sn poly-metallic metallogenesis in the Da Hinggan Range region at around 140 Ma, associated with a tectonic setting, characterized by the transition from compression to extension. Based on a comparison with the newly found Mo deposits along the banks of the Xilamulun River, we propose that the Tianshan–Linxi is an important Mo-metallogenic belt. It also suggests an increased likelihood for the occurrence of Mo along the north bank of the Xilamulun River. [ABSTRACT FROM AUTHOR]

Purpose: This study aims to assess the effectiveness of the banking market discipline in relation to the development of Financial Technology (FinTech) startups. Design/methodology/approach: Using panel data collected from 144 banks in Indonesia from 2004 to 2018, this study's regression models were estimated using fixed effects with robust standard errors. Findings: This study finds that FinTech startups disturb bank deposits. Meanwhile, market discipline exists in Indonesian banks, as indicated by depositors' behavior with higher credit and liquidity risks. However, market discipline does not exist for bank insolvency risk, which is indicated by a significant and positive relationship with the dependent variable. Therefore, the higher the number of FinTech startups, the more effective the market discipline. Empirical findings also revealed that the joint impact between FinTech startups and bank risk is also important in explaining the difference in the effectiveness of banking market discipline. Practical implications: This study has policy implications for banks in mitigating risk associated with market discipline and instability of financial intermediation. Originality/value: This study offers a significant contribution to the empirical literature because it specifically explores the effectiveness of the banking market discipline by focusing on the joint impact of FinTech startups and bank risk on deposits. Furthermore, this study contributes to providing empirical evidence that links between FinTech startups and bank risk affect depositor behavior at government-owned, private, large and small, as well as nonmobile and mobile adoption banks. [ABSTRACT FROM AUTHOR]

Copyright of International Journal of Economics, Business & Politics (UEIP) is the property of International Journal of Economics, Business & Politics and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This study tests the Post-Keynesian theory regarding bank stock returns and money supply endogeneity in the context of South Asian countries. This study uses panel data set from different sources over twenty-eight (28) years. The research uses different econometric techniques before switching to the generalized method of moments (GMM). The empirical results indicate a significant positive effect of net interest rate margins on bank loans in South Asian countries, whereas a positive relationship exists between foreign to local interest rates and the money supply. The findings depict that positive associations exist between inflation and money supply of banks, and between the money supply and bank stock returns. More specifically, the GMM results show that the money supply has positively affected the stock prices of banks suggesting strong policies for the stakeholders of these economies for the sake of economic growth and sustainable development. [ABSTRACT FROM AUTHOR]

This paper demonstrates, using a panel data model, that mainly firm-specific (microeconomic) versus macroeconomic variables affect the long-run profitability of a group of banks in Mexico in the pre- and COVID-19 periods. Interbank deposit, deposit rate, bank size, size of non-performing loan portfolio, delinquency, operating expenses, traditional deposit, salary, unemployment, and interest rate have statistical influence on bank profitability, but this relationship changes in the COVID-19 period. These results can be useful in the decisions of the different areas of banks, as well as for the design of public policies aimed at maintaining the stability of the banking system. [ABSTRACT FROM AUTHOR]

This study aims to analyze the profitability levels of deposit banks in Turkey by using the panel data analysis method. Profitability is an important indicator reflecting the financial health of banks and is of great importance in terms of determining the sustainability and competitive advantages of banks in the sector. In this study, the factors affecting the profitability levels of deposit banks in Turkey are investigated. These factors include variables such as size, asset quality, capital adequacy, and liquidity status of banks. In the study, annual data for the period 2010–2020 were used through panel data analysis method, and CIPS (Cross Sectionally Augmented IPS) unit root test and Dumitrescu–Hurlin causality analysis were performed. According to the findings, there is a reciprocal causality relationship between bank earnings and return on average assets in deposit banks. In addition, it was determined that there is a unidirectional causality relationship between liquidity ratio and return on average assets. However, there is no causality relationship between capital adequacy and return on average assets. It was found that banks with increasing size generally have higher profitability levels, whereas banks with low asset quality face difficulties in terms of profitability. These findings provide guidance on potential measures that banks can take to increase their profitability levels. The study aims to contribute to a better understanding of the performance of banks in the sector and to determine their future strategies. [ABSTRACT FROM AUTHOR]

This paper investigates the connection between human resource accounting (HRA) and profitability of listed deposit money banks (DMBs) in Nigeria for period, 2010-2020. While controlling for size effect, this aims to determine the effect of salaries and wages, directors’ remuneration, and retirement benefits and costs, on banks’ profitability (proxy by Return on Asset (ROA)). Secondary data sourced from published annual financial statements of nine purposefully selected DMBs quoted on the Nigerian Exchange Group, were analyzed using Panel Autoregressive Distributed Lag (P-ARDL) model and panel Granger causality technique. This study reveals that retirement benefits and costs, and directors’ emolument exert positive and significant effect on ROA while salary and wages has positive but non-significant effect on ROA. Furthermore, there is a unidirectional causality flow from ROA to salaries and wages and banks size. It is therefore concluded that investment in human resources have positive and significant effect on the profitability of banks in Nigeria and banks profitability dictates their wage-paying ability and size. It is recommended that banks should investment more in their HR particularly by providing a much more guaranteed retirement benefits to their employees and also handsomely rewarding their currently serving directors and employees. [ABSTRACT FROM AUTHOR]

Background: Infections of cats with Echinococcus granulosus is uncommon because the cat is not part of the parasite life cycle that a carnivorous and another herbivore represent. Nevertheless, it occurs incidentally when eating food or drinking water contaminated with the worm's larva, especially with the presence of the definitive host (dogs), in this case, the infections are concentrated in stray or outside cats. For this reason, this study examined the possibility of cat infection with E. granulosus and diagnosed the common genotype of this infection. Objective: This study examined the possibility of cat infection with E. granulosus and diagnosed the common genotype of this infection. Methods: Four of the 37 cats that had died in different accidents developed cystic echinococcosis (CE). The cytochrome c oxidase subunit I (COX1) gene was initially amplified and sequenced to determine if these cysts belonged to E. granulosus, in beginning. The DNA fragments resulting from sequencing were then compared and aligned with other sequences using the Gene Bank database. Finally, a phylogenetic tree was drawn according to the sequence data obtained from cox1 genes sequencing, and the MEGA 7.0 phylogenetic analysis program was utilized. Results: Four different sequences were deposited in the Gen Bank with accession numbers (ON795961 to ON795964), all of which belong to the G1 genotype. Approximately 84% and 100% of these sequences aligned with G1 (AB622277.1) and G1 (MG722980.1), respectively. Conclusions: G1 is the dominant genotype that causes cat infections, even though the cat's EC infection was incidental. [ABSTRACT FROM AUTHOR]

The study uses a variety of financial measures and statistical tools to assess the choices' performance over a predetermined time frame. The results of this study will help investors make wise decisions about their investment portfolios. In order to fully compare and analyze the risk and return attached to two popular investment options--debt mutual funds and bank deposits--this research study attempts to give a thorough comparison. Investors seeking security and income generating frequently turn to these investing options. [ABSTRACT FROM AUTHOR]

The introduction of treasury single account (TSA) in Nigeria is supposed to boost government revenue and more importantly, reduce the funds available to the deposit money banks (DMBs). Consequently, the policy is capable of affecting the stability of the DMBs. Therefore, this paper analysed the difference between the adoption of TSA and the stability of Nigerian DMBs using data obtained from the annual reports and accounts of the nine (9) selected listed DMBs. The stability of DMBs was proxied with profitability (ROA), capital adequacy ratio (CAR), liquidity ratio (LDR), non-performing loan ratio (NPLR), asset growth rate, (AGR), deposit growth rate (DGR) while the adoption of TSA was based on the pre- and post-adoption periods of the policy. The study employed a paired-sample ttest to analyse the formulated hypotheses. The main findings are that there is a significant variance between pre- and post-TSA implementation on CAR, NPLR, LDR, ROA and DGR of Nigerian DMBs. NPLR [t-cal = 10.544; p <0.05], CAR [t-cal = 17.657; p <0.05], LDR [t-cal = 9.308; p <0.05], ROA [t-cal = 10.493; p <0.05], AGR [t-cal = 11.224; p <0.05] and DGR [t-cal = 15.232; p <0.05]. It is therefore recommended that banks should uphold the core financial intermediation role of deposit mobilisation and its allocation to remain liquid and profitable as well as to be able to maximise the wealth of their shareholders. [ABSTRACT FROM AUTHOR]

Does a bank's ownership matter for the performance of a firm to which it is connected, especially in the event of a crisis? I study this question through the effect of the 2008–9 crisis on Indian manufacturing firms to provide evidence on a new channel that can matter significantly for a firm's performance—bank ownership. I find that firms connected to private (domestic and foreign) banks earned around 10% and 25% less from sales and exports, respectively, during the crisis, as compared to firms having banking relationships with public‐sector banks. This happened as private banks were affected differentially in terms of credit supply from the Central Bank and withdrawal of deposits. Firms connected to private banks also laid off more workers, and imported fewer capital goods. Finally, these effects are significant across the size distribution of the firms (except the smallest firms), for firms producing intermediates, and about 40% less for firms that belong to a business group. [ABSTRACT FROM AUTHOR]

This study oversee the role of commercial banks of Pakistan whether effectively playing their significant role in monetary transmission. This study explores long and short-run relationships between monetary policy rate and commercial bank's related variables and between commercial banks' related variables and macroeconomic variables. This study used quarterly data from 1998 to 2018 for the variables include central bank policy rate, Industry level data of bank deposits, bank loans and bank investments and gross domestic product. Data are collected from the official websites of the State Bank of Pakistan and tested by econometric techniques. Outcomes of this study reveal that monetary decisions influence commercial banks to some extent. However, these could not influence the economic aggregates significantly in Pakistan. [ABSTRACT FROM AUTHOR]

Background: Chilli is an important spice and vegetable crop grown in tropical and sub-tropical climate. Recently, Chilli leaf curl disease has become a serious threat to chilli growing farmers. Methods: The present study was aimed to know prevalence of leaf curl disease in chilli. For this, roving field survey was carried out in 63 randomly selected chilli fields covering 21 villages in seven mandals of Kurnool district in Andhra Pradesh during 2019-20. Attempts were also made on molecular diagnosis of begomovirus associated with chilli leaf curl disease. Result: The average mean per cent incidence of chilli leaf curl virus in Kurnool district was 50.76% ranging from 25.0% to 82.2%. During the field survey, the highest mean leaf curl incidence was noticed in Peddakadubur mandal (71.1%) followed by Gonegandla (59.96%) and Nandavaram (52.27%) mandals, while the lowest leaf curl incidence was observed at Adoni (37.83%) mandal in Kurnool district. The amplified coat protein gene was sequenced and obtained 770bp sequence which was deposited in Gen Bank. The obtained sequence shared maximum identity of 99.7% with chilli leaf curl virus Guntur isolate (MN417112). As per species demarcation and nomenclature criteria of begomovirus, the virus associated with chilli leaf curl disease in Kurnool district shared > 94% sequence identity with Chilli leaf curl virus. Hence it was identified as chilli leaf curl virus (ChiLCV). [ABSTRACT FROM AUTHOR]

The main purpose of this paper is to analyze the phenomenon of digitization in financial-banking institutions, and how entrepreneurs active in various fields of activity have turned to digitization to continue their activities despite the restrictions imposed by the Covid-19 pandemic. We can say that digitisation is the future, because it doesn't just help us in times of pandemic or other crisis situations, digitisation is the future of the banking industry, because consumers want to work with banks that can offer remote and quality services, and all categories of customers want to work with those companies that find innovative solutions and can provide them with services through technology. Bankers and entrepreneurs need to find a balance between legislation and market regulation, between risk management and consumers. We can say that the future belongs to digitised, standardised banks that understand and comply with legislation and regulation and that place a high value on innovation. We can talk about the era of digitisation as having been accelerated by the pandemic, which is why a lot of measures have been taken to make information as easy as possible, with all banks, as well as other companies and financial-banking institutions, strengthening their websites and solutions for remote access to their banking offer or banking products, such as applications (banking). A good number of banks already offer the possibility to get basic products directly from websites or apps: current account opening, debit cards, credit or shopping cards, personal loans and even deposits. A secure and risk-free digital solution is certME. With the certME solution, customers no longer need to be physically present at the counters and interact with their own staff for the identification processes specific to digital onboarding and Know Your Customer procedures, enjoying many advantages. [ABSTRACT FROM AUTHOR]

Czech municipalities keep a substantial and growing volume of bank deposits. An analysis of determinants of unreserved deposits in 2021 suggests that municipalities are precautionary and accumulate fiscal reserves if they can and do so to stabilize their budget management. Signs of low activity of municipal administration such as low creation of new assets and low execution of the approved budget were not related to the volume of unreserved deposits in 2021. The change in the impact of the municipal debt on fiscal savings from strongly negative to weakly positive between 2016 and 2021 calls for more research on the impact of the introduction of new local debt regulation.

Past studies have presented inconclusive results on the relationship between profitability and firm value, there is a need to take into consideration a moderating variable to strengthen the relationship. This study therefore, introduces dividend policy as moderator to examine its effect on the relationship between profitability and firm value of listed deposit money banks in Nigeria. The study adopted the Ex Facto-research design and the study used ten years, from 2012 to 2021. The study's population consisted of 15 listed banks on the floor of the Nigeria Exchange Group, and 12 were selected as study samples after filtering time frame. Secondary data were collected from audited financial report and accounts of the sample banks and the Nigeria Exchange Group's website. STATA was used to analyze the data, and the results revealed a negative direct link between profitability as assessed by return on assets and return on equity and firm value as measured by market value added. Furthermore, a higher dividend policy ratio strengthens the relationship between profitability and firm value. We add evidence that the dividend policy acts as a pure moderator in the banking industry. However, based on the findings, it is suggested that the regulatory authorities develop post-dividend payment legislation that can effectively contribute to the firm's dividend policy decision. The findings highlight the importance of profitability and dividend policy in maximizing corporate value in the banking industry. [ABSTRACT FROM AUTHOR]

Using Vector autoregression (VAR), variance decomposition and Pearson correlation techniques, this study investigates the impact of digital finance on banks' credit allocation in Nigeria between 2009Q1 and 2019Q4. The study specifically aims to examine the impact of digital finance (proxied with value of Automated Teller Machine (ATM), Point of Sales (POS) and web payment (WEBPAY) transactions) on total sectorial credit allocation of deposit money banks in Nigeria. This study finds no long-run relationship between digital finance and credit allocation of deposit of money banks in Nigeria. Furthermore, digital finance and banks' credit allocation were found to have strong and positive correlation in Nigeria. It is also unveiled that, unlike the value of POS transactions which have negative and non-significant impact, the value of ATM and WEBPAY transactions have positive but non-significant impacts on banks' credit allocation in Nigeria. It can therefore be concluded that, though, a strong and positive correlation exists between digital finance and banks' credit allocation but the former (digital finance) does not exert significant impact on the latter (credit allocation function of deposit money banks) in Nigeria in the period of study. There is therefore the need for the current pace of digital finance adoption in Nigeria be intensified in order for it to achieve the desirable impact on banks' credit allocation function in the country. [ABSTRACT FROM AUTHOR]

In recent years, we have seen a very rapid increase in outstanding bank deposits. This increase has been particularly high since the outbreak of the COVID 19 pandemic, due to the lockdown that has, among other things, drastically reduced household consumption since the beginning of March 2020. This very sharp increase in outstandings increases the risk of banks which offer interest on deposits. In this paper, we deal with the mitigation of the risk contained in interest rate margins of demand deposits. We introduce and analyze hedging strategies of an asset and liability manager who focuses on the bank's net operating income in a given quarter under standard accounting rules. Demand deposits are assumed to be correlated with market interest rate and to a commercial risk that cannot be fully hedged on the financial markets. We distinguish several types of dynamic hedging strategies based on both quadratic and quantile criteria. We provide explicit formula for all hedging strategies and we discuss their respective robustness. We show in particular that the quantile hedging criterion leads to somewhat riskier strategy since its gain may be nil, due to its knockout feature. We argue that our contribution establishes a stronger basis for the coverage of bank deposits, which is particularly important in the context of the COVID-19 pandemic and its economic consequences. [ABSTRACT FROM AUTHOR]

This study examines the prerequisites and challenges faced by local and foreign commercial banks in Türkiye in supporting green business initiatives. This study uses backward logistic regression analysis to identify variables affecting green financing practices using annual data from Turkish deposit banks from 2012 to 2021. This study addresses the growing interest in understanding the role of commercial banks in promoting green finance and contributes to the existing literature by revealing the current efforts of Turkish commercial banks in this area. The main findings show that factors influencing green financing practices are derivative financial assets, loans, tangible assets, equity capital, company size, female representation on boards, presence of audit committees and company experience. The study highlights the relationship between these factors and green financing methods adopted by depository banks. It is worth noting that the assets of these banks were built within the framework of green financing and practices such as green buildings, green loans and green bonds were introduced. In addition, the size and experience of custodian banks help influence their green financing practices. The findings provide a framework for policy makers, practitioners and academics who wish to gain a deeper understanding of the dynamics of Turkish financial institutions and green finance. [ABSTRACT FROM AUTHOR]

We address two key issues concerning bank bailout effects on depositor and bank behavior. The first is whether bailouts weaken or strengthen market discipline by depositors through deposit supplies. The second is if bailed‐out banks decrease or increase their deposit demands. These questions can only be adequately addressed by analyzing the effects of bailouts on both deposit quantities and prices. We do so for the Troubled Asset Relief Program (TARP) bailouts. Overall, we find that demand changes empirically dominate supply changes, and suggest significantly reduced deposit demand from bailouts. In some cases, however, supply changes dominate and indicate weakened market discipline. [ABSTRACT FROM AUTHOR]

The technological developments in the social economy have significant implications for social banks and are optimistically changing the way social retail banks conduct their business. Social banks can invest in social services for small- and medium-sized enterprises (SSMEs) either to acquire a strategic advantage or out of strategic necessity. With the assistance of a mathematical model, this study tries to identify SME service channels and assess potential impacts on social deposit banks' performance. In the first stage, the proposed model estimates the predictive capacity of interpretive accounting variables (financial ratios) versus the interpreted accounting variable (future quarterly earnings before taxes (EBT)). Then, in the second stage, the SSME service channels were added to the earnings before tax model in terms of profitability measure, which informs corporate earnings before operating the business to account for the income tax attributed to it for the purpose of estimating their impact on the performance of social banks. According to our findings, the banks are investing in SME services just to validate their investments in SME services as a strategic necessity. SSMEs services do not provide any strategic advantage to any banks in terms of financial or accounting performance or efficiency since the banks are already efficient. Investing in SMEs is a tool for preserving their strategic positions. Therefore, the contribution of this study is focused on the fact that it highlights the impact of financing the social deposit banking industry on institutions, while most studies analyze the vice versa interaction. [ABSTRACT FROM AUTHOR]

This research will examine the impact of the adoption of financial technology on conventional banks' financial performances. The research will place emphasis on the listed commercial banks at Amman Stock Exchange—ASE, using financial data for the period 2012–2020. The main study tool was a questionnaire that focuses on three main dimensions: financial inclusion—(FI), alternative payment methods—(APMs) and automation—(Auto). A total of 115 questionnaires were distributed to all commercial banks listed at Amman Stock Exchange—ASE. Multivariate regression analysis was employed to test the impact of the FinTech dimension as a proxy for independent variables on Jordanian commercial bank's financial performance as a proxy for dependent variables. Based on the analysis results, the study concludes that all three FinTech dimensions: FI, APMs and Auto. reflected a positive significant impact on Jordanian commercial bank's financial performance indicators (total deposit, total loans and net profit margin). Therefore, banks in general should invest more and more into financial technology tools and applications, in order to recruit potential clients and retain their current clients, to be able to sustain under fierce competition within the banking sector. [ABSTRACT FROM AUTHOR]

A full-scale war started by russian federation on February 24th, 2022 disrupted the classic monetary policy Ukraine has been conducting for years. Nevertheless, it remains critical to preserve price stability. In June 2022, NBU significantly increased its key policy rate aiming to decrease inflationary pressure through higher market interest rates. Hence, the Central bank still relies on the interest rate transmission mechanism despite the war. This research is focused on the transmission of the key policy rate changes to the commercial bank interest rates depending on the banking sector structure. We believe that this research is useful not only for the west academia but policymakers since it helps to assess monetary policy efficiency. We tested the transmission of changes in key policy rates on new loans’ and deposits’ interest rates of different maturities and groups of banks based on banks’ ownership that in the case of Ukraine closely connected to the bank's efficiency. We applied autoregressive distributed lag models with error correction forms. Our research confirms that interest rate pass-through from the key policy rate to the bank interest rates differs for banking groups. Less effective banks have more powerful transmission to their new deposits interest rates and weaker to new loans interest rates, therefore, exposed to interest risk. Moreover, according to our results, interest rate pass-through is weaker with higher maturity among both deposits and loans. [ABSTRACT FROM AUTHOR]

This paper evaluates the connection amid oil and financial innovation in Nigeria. The study employed quantitative technique (ARDL method) for the period of 1985-2019. The results signify that long-run coefficients show no significant connection amid oil rent and financial innovation in Nigeria. Furthermore, a negative connection is established between the pair of variables. The study recommends that financial regulatory body should review and regulate the participation of financial institutions, especially the deposit money banks participating in oil and gas business. [ABSTRACT FROM AUTHOR]

The study investigated covid 19 measurements and the operational performance of deposit money banks in Nigeria. Survey research design was utilised with multi-stage sampling method. Primary source of data collection was used through copies of questionnaire. Findings from the regression analysis demonstrated that national lockdown has a negative but significant effect on banks' operational performance. Movement restriction has a positive but insignificant effect on banks' operational performance. It was therefore concluded that covid 19 measures disrupted the operations of deposit money banks in Nigeria. It was suggested that customers should have access to electronic banking channels in Nigeria. More so, work flexibility policies that will allow the banks' employees to work from home should be formulated, adopted and encouraged. [ABSTRACT FROM AUTHOR]

This research is one of the few studies that examine the association of bank-specific determinants and macroeconomic factors with profitability in the banking industry of a developing country. This paper evaluates how bank-specific factors and macroeconomic determinants affect the profitability of commercial banks in Bangladesh. This study demonstrates that bank-specific factors and macroeconomic determinants are crucial catalysts in ensuring financial institutions' continuity and stable performance. The paper uses return on assets (ROA) as a proxy of bank profitability. The study also employs a group of explanatory variables, such as bank-specific determinants, which include capital adequacy (CAD), bank branches, asset management, deposit (DEP), and assets quality. The paper also considers gross domestic product, inflation rate (IF), exchange rate (EXR), and stock traded as macroeconomic variables. Pooled, fixed, and random effects models and unit root tests are employed on panel data for 24 commercial banks listed in Dhaka stock exchange from 2014 to 2020. The study results indicate that all bank-specific factors except CAD and DEP affect ROA statistically significantly. The paper also shows that among the macroeconomic determinants, IF has a significant and positive effect on ROA, while EXRTE significantly negatively impacts bank profitability. The findings of this paper are limited to the banking industry in Bangladesh, and it will provide valuable insights for future studies. [ABSTRACT FROM AUTHOR]

Collecting Islamic bank funds with mudharabah contracts, such as mudharabah deposits, will offer depositors a profit-sharing rate. This study aims to obtain empirical evidence regarding the determinants of the profit-sharing rate for mudharabah deposits. The determinants in this study are non-performing financing, operational efficiency, capital adequacy, and third-party funds. The sample used in this study was 11 Islamic commercial banks in Indonesia from 2015-2019. The results show that only capital adequacy affects the profit-sharing rate for mudharabah deposits. The increase in the capital adequacy ratio of Islamic banks in the study period significantly impacted the decrease in the rate of profit-sharing on deposits received by third parties, especially from 2017 to 2018. The results also show that non-performing financing, operational efficiency, and third-party funds do not affect profit-sharing deposits. Problem financing and operational efficiency are still the main problems Islamic banks face in Indonesia, so they do not impact the profit-sharing rate for mudharabah deposits. Third-party funds also tend to decrease during the study period so that it does not impact the profit-sharing rate for mudharabah deposits. The study’s findings are expected to generate theoretical contributions to scientific development in concepts and empirical research in the Islamic banking sector, practical contributions to Islamic banks in their operational activities, and policy contributions to regulators in setting policies in the Islamic banking sector. [ABSTRACT FROM AUTHOR]

The impact of the climate change on the real economy and financial system has aroused great concern from the Chinese government and financial regulator. The objective of this paper is to examine the impact of climate risk on bank loan supply by using the sample of 403 commercial banks from China over the period 2008–2018 and fixed effects panel regression models. Our empirical studies obtain four findings. First, climate risk has a significant negative impact on the bank loan supply. Second, this adverse effect of climate risk can be mitigated by government's climate protection performance and monetary expansion. Third, climate risk can inhibit loan supply through reducing banks' risk appetites and decreasing their deposits. Finally, the negative influence of climate risk on loan supply is more pronounced for banks with less deposits and banks located in coastal areas. One policy implication is that commercial banks should adjust the structure of credit business and innovate loan products. [ABSTRACT FROM AUTHOR]

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In the study, the effects of off-balance sheet items on the performance of deposit banks operating in the Turkish banking sector were examined. In the study, a data set of 17 deposit banks operating uninterruptedly in Turkey between 2010 and 2021 was created. In the study, the return on assets ratio and return on equity ratio, which are performance indicators, were used as dependent variables, while the independent variables were guarantee and surety, commitments, derivative financial instruments, and escrow and pledged assets obtained from the balance sheets of sample banks. The models created with the data set of the study were estimated by the system dynamic panel data analysis method. According to the findings obtained as a result of the estimation, while derivative financial instruments have a negative effect on the performance of deposit banks, the results of the performance-enhancing effect of trust and pledged assets have been obtained. [ABSTRACT FROM AUTHOR]

To disentangle the sources of bank inefficiency, this paper presents an extended two-stage network multi-directional efficiency analysis (NMEA) approach by taking the internal structure of the banking system into account. The proposed two-stage NMEA approach extends the conventional "black-box" MEA approach, providing a unique efficiency decomposition and identifying which variables drive the inefficiency for banking systems with a two-stage network structure. An empirical application of Chinese listed banks from 2016 to 2020 during the 13th Five-year Plan reveals that the overall inefficiency of sample banks is primarily sourced from the deposit-generating subsystem. Additionally, different types of banks display differentiated evolution modes over different dimensions, confirming the importance of applying the proposed two-stage NMEA approach. [ABSTRACT FROM AUTHOR]