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AbstractThe paper aim to examine the impact of foreign ownership and national governance quality on liquidity risk in Vietnam’s listed commercial banks from 2010 to 2021, covering the COVID-19 outbreak. Using the two-step generalized method of moments regression model (GMM), the findings indicate that foreign ownership deteriorates liquidity risk, while national governance quality has a positive effect on liquidity risk. In particular, the study highlights the positive impact of COVID-19 on liquidity risk because of the unpredicted demand for cash withdrawals by customers, which led to a shortage of cash holdings in commercial banks. Consistent with agency and neo-institutional theories, the findings are robust to a series of endogenous checks using an alternative regression method, such as pooled ordinary least squares, and the generalized method of the moments regression model.

AbstractThe paper aims to estimate factors affecting supply chain efficiency in commercial banks’ operations in Vietnam. To achieve this objective, the study uses structural equation modeling (SEM) to define the determinants of supply chain efficiency in operational activities of commercial banks. The findings reveal the statistically significant factors influencing supply chain efficiency in commercial banks’ profitability, including information and communication technology, knowledge and information, quality trust, and culture. The research contribution opens an additional aspect into the supply chain in commercial banks’ operations that makes the managers and stakeholders reorient themselves in the banks’ developing operations. Besides, the authors implement SEM applications in testing and evaluating the multivariate causal relationships between supply chain efficiency and banks’ profitability.

Gold futures and gold T+D business don't do well in meeting the requirements of the market in that gold futures cannot be delivered daily, which is not conducive to the trade flow of gold enterprises; the overall holding cost of gold T+D is relatively high, and in recent years, the overall trading volume and holding volume have declined, while the guarantee fund inquiry business is a new development path for gold business. The paper compares and analyzes the advantages and disadvantages of these 3 types of business: guarantee fund inquiry business in commercial banks, gold futures, and gold T+ D. explores the feasibility and measures of commercial banks conducting guarantee fund inquiry business, in order to provide a new choice for gold trading. [ABSTRACT FROM AUTHOR]

We discover the impacts of FinTech on operational risk in the context of Chinese commercial banks from 2008 to 2019. Based on the massive amount of data collected manually, we find that FinTech and its subtypes, except for mobile internet, significantly reduce operational risk. Specifically, the baseline results reveal that for one unit increase in the FinTech index, the decrease in operational risk is about 1.414 units. For different types of FinTech, artificial intelligence (AI) has the most significant impact on operational risk, and for an increase of one unit of the AI index, operational risk is reduced by 4.033 units. Moreover, we find that the impact of FinTech on operational risk mainly comes from the interest, leases, and dividend component and the services component; the influence of FinTech on operational risk is greater in state-owned banks compared to other commercial banks with other ownership structures. Our main results hold for an array of endogeneity and robustness tests. [ABSTRACT FROM AUTHOR]

Using annual panel data of 46 listed commercial banks in China from 2012 to 2021 and constructing a two-way fixed-effects model, this study empirically analyzed the competition and technology spillover effects of fintech on the profitability of commercial banks. The results showed the following: (1) In the early stages of fintech development, the competition effect was larger than the technology spillover effect; thus, it was negatively correlated with commercial banks' profitability. However, with the spread of innovative fintech, technology spillover effects and commercial bank profitability will gradually improve. (2) The influence of fintech on the profitability of commercial banks differed. Compared with large commercial banks, fintech had more significant negative effects on small- and medium-sized commercial banks in the short run. However, the role of fintech for such banks will also grow in the future. The results of this study provide practical guidance for how commercial banks can respond to the fintech wave. To realize the sustainable development of the banking industry, commercial banks should change their business philosophy and revenue model, vigorously improve their fintech innovation capability, differentiate their choice of fintech development routes, develop personalized customization with a focus on users, and ultimately realize digital transformation and upgrading. [ABSTRACT FROM AUTHOR]

This article provides an assessment of the financial reporting quality for commercial banks in Vietnam. The study evaluates the qualitative characteristics of financial statements and finds that the overall quality is not high. The timeliness of the statements is rated the highest, while the relevance and faithful representation characteristics are rated low. The study emphasizes the importance of financial reporting quality for decision-making and offers valuable insights for stakeholders such as the Ministry of Finance, the State Bank of Vietnam, bank managers, shareholders, and investors. Further research could explore different measurement methods to assess the quality of financial statements. [Extracted from the article]

This article is devoted to the historical foundations and theoretical and methodological aspects of the functioning of payment systems using bank payment cards and two-dimensional barcode symbols (QR codes), as well as the study of world experience in the introduction of non-cash payments. An analysis of the current state of the domestic bank card market was carried out and the effectiveness of measures previously taken by the Government and the National Bank of the Kyrgyz Republic was determined. The study identified the main problems in the organization of the payment system that impede the development of the market for banking payment instruments. Practical recommendations for solving them and a vision of prospects for improving the payment system for the formation of a non-cash payment system using digital technologies are offered. Measures have been outlined to increase the level of penetration of this payment system in the real economy, the number and volume of transactions using cards. The result of the ongoing changes was supposed to answer the question - what impact did these processes have on the structure of the money supply in the Kyrgyz Republic in 2019-2023, and how did this affect the rate of economic growth of the country. [ABSTRACT FROM AUTHOR]

Copyright of Economics & Environment / Ekonomia i Środowisko is the property of Fundacja Ekonomistow Srodowiska i Zasobow Naturalnych 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 article aims to identify the trends and characteristics of the credit services market's evolution amidst financial instability in Ukraine. Utilizing a range of scientific methodologies, including content analysis, comparative method, statistical calculations, and econometric modeling based on correlation-regression analysis with cubic one-factor regression models, the study delves into the underlying principles of financial instability, its essence, and primary triggers. A comprehensive statistical analysis of Ukraine's economic trends and the state of bank lending to economic entities was conducted. To enhance understanding of the credit services market's development under Ukraine's unstable economic conditions, an analysis of the influence of bank lending indicators on the key parameters depicting the national economy's dynamic was performed through econometric modeling. Findings reveal that the credit services market plays a crucial role in the economic development of countries, particularly where the securities market is underdeveloped. In Ukraine, the credit services market has acted as a catalyst for crisis phenomena in the banking system, thereby slowing its long-term development. [ABSTRACT FROM AUTHOR]

Copyright of Modern Economic Science is the property of Modern Economic Science Editorial Office 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.)

The article is aimed at deepening and systematizing the theoretical and methodological foundations of liquidity management at the macro and micro levels. The state of liquidity of the banking system of Ukraine during the war period is analyzed and the shortcomings of the practice of liquidity management of banks at the macro and micro levels are allocated. It is found that, despite a sufficient level of liquidity of domestic banks and moderate systemic liquidity risk, banks have problems with a fixed-term deposit structure, a significant liquidity surplus, increased funding costs and increased competition for business funds. The theoretical and methodological foundations of liquidity management at different levels are systematized and supplemented, taking into account the actual problems of liquidity management of domestic banks. Two structural and logical schemes of liquidity management of the bank at the micro and macro levels have been built, which contain conceptual foundations for building liquidity management (principles, methods, instruments, communication) and take into account modern regulatory requirements (central bank, Basel committee). At the micro level, the process of liquidity management and liquidity risk management is differentiated, taking into account the channels of interaction, specific methods and instruments. Methods and instrumentarium for liquidity risk management in the process of bank liquidity management have been expanded. A universal, step-by-step algorithm of liquidity management process at the micro level is proposed. The instrumentarium of liquidity monitoring at the bank level is systematized, taking into account modern practice. The conceptual foundations of liquidity management at the macro level have been supplemented, in particular: 1) management instruments have been supplemented by the indicative ones; 2) the principles have been expanded, synergy, behaviorality, controllability have been added; 3) the functions and objectives of management are adjusted taking into account crisis factors. Emphasis is placed on proper inter-level communication and coherence of strategies, policies, methodologies and procedures for managing liquidity of banks. It is determined that the regulator at the macro level should form an appropriate atmosphere for effective liquidity management at the micro level, and banks should take a responsible (taking into account system-wide goals) approach to the liquidity management. Prospects for further research in this direction are: 1) analysis of the impact of technological innovations on the process of liquidity management at the macro and micro levels; 2) study of the global context, namely the impact of systemic shocks of different jurisdictions on the liquidity of the domestic banking system.

This study investigates the impact of commercial bank loans on agricultural growth outcomes in Nigeria. It uses Augmented Dickey Fuller unit root test in order to examine stationarity of model input variables, documenting that all variables were stationary either at levels I(0) or at first difference I(1). The study then employed the ARDL model and Error Correction Model to estimate the long-run and short-run effects of the variables. The long-run model results showed that commercial bank credit and government expenditure had a positive relationship with agricultural output, while exchange rate had a negative effect. The error correction model results revealed that government expenditure had a positive relationship with agricultural growth outcomes, while exchange rate and interest rates had a negative effect. In conclusion, the research found that commercial bank credit had a significant positive effect on agricultural growth outcomes in Nigeria, and recommended that commercial banks' lending policies and procedures should be flexible to accommodate more farmers. The results also imply that the government should provide adequate funds for the agricultural sector, specifically increasing its financial grants to small-scale farmers, to promote agricultural output and economic growth in the country.

Purpose – Both branch and automated teller machine (ATM) are playing a crucial role in banking coverage expansion in India. People prefer to go to an ATM for withdrawal of money rather waiting in a queue for hours at a branch. Without the existence of a full-fledged brick-and-mortar branch, ATM also plays an important role by providing basic banking services. In India, a significant part of the population is excluded from banking access. The present study aims to investigate how the branch and ATM penetration influence financial inclusion. Design/methodology/approach – The study covers the period from 2008–2009 to 2019–2020. With the application of Welch's t-test, a comparative study is being conducted between branch and ATM. Further, with the application of regression analysis, the study analyses how the branch and ATM network expansion influence financial inclusion. Findings – Though in recent times customers prefers to visit an ATM and its growth rate is higher than branches, the study found no significant differences between the growth of branch and ATM. Further, results of regression show both branches and ATMs have significant impacts on financial inclusion. Originality/value – In micro concept both have a common role in respect of service provided to customers. While in macro concept a list of specific services can be provided through branch level only. This study has a significant role, considering the importance of branches or ATMs and cost of installing a physical branch.

The research aimed to identify banking products and services used by farmers in the context of their financial and tangible assets. The banking products used by customers of particular banks were analysed, depending on the selected characteristics of the surveyed farmers and their farms. Due to the scope of the study, the focus was on endogenous factors related to the agricultural producer and the farm they ran. The source of the empirical data was a questionnaire interview conducted with farmers. The research allows the following conclusions to be drawn: 80% of the surveyed farmers declared that they used the services and products of cooperative banks. However, they managed a smaller area of agricultural land than customers of commercial banks. Differences in preferences for banking services offered by cooperative and commercial banks were evident in the case of such instruments as electronic banking, payment cards and bank deposits. To remain competitive, cooperative banks should offer products that meet customer expectations and are unique to a region. They should also use digital technologies and develop cooperation within the cooperative banking sector.

This study examined the short-term and long-term relationship between credit financing by commercial banks and capacity utilization of the manufacturing sector in Nigeria. The study employed both classical Multiple Linear Regression (OLS-MLR) and the autoregressive distributed lag model (ARDL) to analyze data representing the period 1981–2020 relating to sectoral credit finance,labor employment,and capacity utilization from the Central Bank of Nigeria Statistical Bulletin (2020) and World Bank Development Indicators (2021). Further,the two estimation procedures were performed within a classical endogenous Cobb-Douglas production function framework that takes technical change into consideration. The bounds test indicated no long-term relationship between bank financing and average capacity utilization of the manufacturing sector in Nigeria. However,the ARDL results revealed that bank financing exerts a positive but insignificant short-term impact on the average capacity utilization of the manufacturing sector in Nigeria. Consequently,the researchers affirm that credit financing by commercial banks in Nigeria has no significant impact on the capacity utilization of the country's manufacturing sector,in neither the short run nor the long run.

The banking system of a country is a predictor of its economic prosperity. However, the financial sector has experienced contradictory reactions. The rise of non-performing loans is a notable feature of the banking industry's financial crisis. According to Bangladesh Bank, state-owned banks are prone to substantial collapses, which have a knock-on effect on the entire commercial banking sector. The aim of the study is to determine the impact of non-performing loans on the growth of the banking system in Bangladesh. The paper is mostly an investigative desk study that prioritizes secondary data. Nonetheless, primary data was used, such as in-person interviews with bank personnel and staff, as well as casual conversations with clients. Secondary sources for this article include Bangladesh Bank bulletins, current newspapers and periodicals, some published and unpublished research reports, various websites, and a large number of peer-reviewed publications. The paper incorporates multiple regression analysis to assess the impact of non-performing loans on banking sector growth from 2012 to 2021. The findings revealed a highly significant inverse correlation among NPL, CRAR, and ROE, as well as a significant but negative relationship among NPL, ROA, NIM, and SLR. However, the alternative hypothesis is accepted, whereas the null hypothesis is rejected. Therefore, NPLs have a severe effect on banking advancement since they worsen banks' liquidity issues, lower profitability, trigger capital constraints, and even jeopardize the financial system’s stability and viability.

Introduction. Misseling has become a problem for commercial bank customers today. Misseling can be found both in large credit institutions and small banks. Formally, this is not a violation of the law, but, in fact, misleading of the client. In fact, there is a bank fraud when selling a banking product or service. Despite the fact that this phenomenon can be found in almost any bank to varying degrees of participation, from a scientific point of view it has not yet been sufficiently studied, although recently the Bank of Russia has made an attempt to regulate this process legislatively. Theoretical analysis. The article analyzes the concept of “misseling” and its place in the technique of unfair sales of banking products and services in commercial banks. Modern types of misseling are distinguished: unfair information, related sales, opaque pricing, sale of unsuitable products, product substitution. Empirical analysis. It was revealed that the number of misseling cases in the banking sector in the analyzed period increased, one of the reasons was a significant reduction in the key rate after its high value, low level of the population’s financial literacy. Against the background of a significant decrease in complaints related to investment life insurance, there was an increase in complaints related to cumulative life insurance, as well as the number of all other complaints on various topics. Results. The directions of improvement on encountering misselling by the Bank of Russia, commercial banks and clients are formulated and described. One of these areas was the introduction of new rules for the sale of financial products by the Bank of Russia. If the Central Bank of the Russian Federation detects a violation on the part of a commercial bank, it has the right to issue an order to the financial institution to suspend the sale of the product until the problems are eliminated. In some cases, the Bank of Russia may oblige the bank to buy back from customers all products sold in violation and make a full refund.

The aim of the research was to identify the financial consequences of introducing IFRS 9 in a leading commercial bank in Poland. The research period was six years and covered the years 2015-2020. It was established, inter alia, that IFRS 9, compared to the previously applicable IAS 39, changed the method of measuring financial assets and thus led to changes in the balance sheet and financial results. The introduction of IFRS 9 also increased financial provisions for loans to be repaid in the bank's portfolio,

AbstractDigital transformation remains a passion. Globally, science and technology are transforming businesses to make them more competitive and conducive to sustainable development. However, rapid advancements in financial technology have enabled financial institutions to steal customers from traditional banks, resulting in their demise. Consequently, this study employs the System GMM-two step estimator and data from 118 Chinese banks from 2014 to 2021 investigate the issue. Empirical evidence suggests that banks’ digital transformation has a negative impact on their profitability to some extent, but digital inclusive finance has enabled the bank to change its digital transformation behavior and enhance its operational performance. Therefore, banks must continue to strengthen their digital transformation by expanding online customer services, increasing the use of e-accounts and mobile applications, providing digital offline services, strengthening digital risk management and privacy and security controls, reducing customer psychological risk, and promoting financial inclusion. Financial inclusion should simultaneously achieve reduced financial exclusion of customers and increased financial literacy of customers. All these factors will help banks to maintain profitability by leveraging synergies with financial inclusion in the process of digital transformation.

The purpose of the study was to examine the impact of cultural differences and credit ratings on the ESG (Environmental, Social, and Governance) scores assigned to commercial banks. The analysis was performed using ordered logistic regression. The Akaike information criterion (AIC) and the statistical significance of the explanatory variables were used as the method of comparing the models. Count R2 and adjusted count R2 were chosen as the measure of goodness of fit, but a non-diagonal element analysis of the contingency table was also performed. Based on the data of 330 banks from 50 countries the study proved that among all the clusters considered, the region with the highest ESG risk attributable to banks was the Arab countries, whereas regions with the lowest ESG risk were Western European and Nordic countries. Cultural variables found to influence ESG ratings were MAS (masculinity vs. femininity), PDI (power distance index), LTO (long-term orientation vs. short-term orientation), and UAI (uncertainty avoidance). In addition, a relationship between banks' ESG and credit ratings was observed, i.e. an increase in the average credit rating reduces the chance of classifying a bank as high or medium ESG risk vs. ESG low risk. This is the first study focused on binding the cultural characteristics of a given country with the results of ESG risk assessments of banks registered in this jurisdiction as well as assessing the relation between ESG and credit risks. This kind of clustering with the use of an econometric model allows for capturing the interrelationships of many factors simultaneously with full interpretability of the results. An added advantage was the excellent accuracy of the model, even though the maximisation of the predictive power was not the key aspect of the research. [ABSTRACT FROM AUTHOR]

Digital transformation remains a passion. Globally, science and technology are transforming businesses to make them more competitive and conducive to sustainable development. However, rapid advancements in financial technology have enabled financial institutions to steal customers from traditional banks, resulting in their demise. Consequently, this study employs the System GMM-two step estimator and data from 118 Chinese banks from 2014 to 2021 investigate the issue. Empirical evidence suggests that banks' digital transformation has a negative impact on their profitability to some extent, but digital inclusive finance has enabled the bank to change its digital transformation behavior and enhance its operational performance. Therefore, banks must continue to strengthen their digital transformation by expanding online customer services, increasing the use of e-accounts and mobile applications, providing digital offline services, strengthening digital risk management and privacy and security controls, reducing customer psychological risk, and promoting financial inclusion. Financial inclusion should simultaneously achieve reduced financial exclusion of customers and increased financial literacy of customers. All these factors will help banks to maintain profitability by leveraging synergies with financial inclusion in the process of digital transformation. [ABSTRACT FROM AUTHOR]

Copyright of Recerca is the property of Universitat Jaume I 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.)

Summary: Based on the analysis of the existing traditional supply chain financial model, this article proposes an edge intelligence‐enabled supply chain financial model based on Business‐to‐Business (B2B) platforms, combines the operation mechanism of the model and the quantitative analysis thinking of the traditional supply chain financing. This article uses the model to construct and evaluates the cost–benefit model of dealers, manufacturers, and B2B e‐business platforms in the perspective of the supply chain finance for B2B platforms. In order to further explore the operation strategy of supply chain member enterprises, this article also explores the selection of financing objects of B2B platforms, the optimization of financing cost rate formulated by the loan amount of financing enterprises, and the optimization of product order quantity. Numerical analysis shows that the proposed model can directly reflect the changing trend of the relevant parameters of B2B platforms' supply chain financial model and provide suggestions for the cooperation mechanism between supply chain and commercial banks. [ABSTRACT FROM AUTHOR]

Given the influence of climate change, there is an urgent need to discuss how commercial banks can strengthen their risk management strategies to cope with climate change. Using quarterly panel data of 16 listed commercial banks in China, this study examines the impact of climate change on banking systemic risk from both theoretical and empirical perspectives. It focuses on two path mechanisms through asset volatility and credit quality as well as the heterogeneity of effects. The study finds that (1) climate change will significantly increase the level of bank systemic risk spillovers and non-state-owned commercial banks are more affected than state-owned commercial banks; (2) asset volatility and credit quality mediate how climate change affects banks' systemic risk; and (3) the influence path of climate change on the systemic risk of state-owned commercial banks is "climate change—asset volatility – credit risk—systematic risk." However, the mediating effect of asset volatility on non-state-owned commercial banks is not significant, whereas credit quality shows a partial mediating effect. Accordingly, this study advances policy suggestions on strategic management, interventions, and the risk prevention system for banks' climate risk from the perspectives of macro-prudential regulation and micro-risk management. [ABSTRACT FROM AUTHOR]

The development of financial technology has promoted the innovation and digital transformation of commercial banks. Through digital transformation, commercial banks can improve bank efficiency and operational capabilities. Through empirical analysis, this study explored the relationship between digital bank transformation and commercial bank operating capabilities and how COVID-19, bank categories, and enterprise life cycles affect the relationship between digital bank transformation and commercial bank operating capabilities. This study selected data from China's commercial banks from 2011 to 2021 and used the regression method of fixed effects to conduct an empirical analysis. The research results show that the digital transformation of banks has improved the operational capabilities of commercial banks. Further analysis showed that the emergence of COVID-19 has negatively affected their relationship. At the same time, compared with rural commercial banks and commercial banks in the recession and phase-out periods, non-rural commercial banks and commercial banks in the growth and maturity stages play a more vital moderating role in the impact of the digital transformation of banks on the financial performance of commercial banks. The main research object of this study is Chinese commercial banks, and this study examines the results of banks' digital transformation and enriches the research on digital transformation. At the same time, this study is helpful to investors who like investment banks and has good practical significance. [ABSTRACT FROM AUTHOR]

Financial statements of Vietnamese commercial banks must be audited annually by an auditing firm according to the Government’s regulations. This study identifies factors associated with firm performance and external audit selection. The decision to choose an auditing firm is considered an intermediate variable to determine the degree of impact of some factors on the performance of commercial banks. This study was conducted by interviewing 265 managers holding high positions as CEOs and CFOs at 30 commercial banks in Vietnam. The non-probability sampling method was applied. The survey was produced using Google Forms and sent directly to participants. Structural Equation Modeling (SEM) is applied to test hypotheses. The results show that except for the complexity of a firm, the factors such as legal environment, audit fees, audit firm size and reputation, bank governance, audit experience, and relationship positively impact external auditor selection. Besides, external auditor selection significantly affects firm performance. This study’s conclusions from the viewpoints of bank managers open the door to promising and timely future research. It is necessary to deepen and broaden academic understanding of the ideas and determining elements influencing external auditor selection and firm performance. More research is needed to fully comprehend this problem and move towards a policy solution.

The Fourth Industrial Revolution (Industry 4.0), with technological achievements in artificial intelligence, blockchain technology, big data, the Internet of Things, etc., has significantly affected various aspects of the economy, including the banking sector. The aim of this article is to evaluate and forecast the transformation of the banking industry globally and in Vietnam. This study employs methods of secondary data synthesis and comparative analysis and reviews the research reports of regulatory agencies and consulting organizations. The article resulted in identifying the characteristics of Industry 4.0 and its impact on the banking and finance industries. The author highlights the main challenges in applying digital technology in Vietnamese banks and draws the conclusion that digital technology in the banking sector in Vietnam is still at a low level, with one of the most critical issues being the lack of a legal framework related to digital finance and electronic transactions.

Like any other business, commercial banks are greatly affected by the micro and macro-environment that operate in, no matter how large they are. Capital adequacy ratio, credit risk, money supply, inflation, the exchange rate, and the national gross domestic product have been noted to be the key determinants of bank operational efficiency. This research study looked at the operational efficiency of four large South African banks, namely, Standard Bank, Absa, Nedbank, and First National Bank. A quantitative, descriptive, correlation design was employed, and the System-Generalized Method of Moments (SYS-GMM) techniques were used and revealed that operational efficiency was positively correlated with capital adequacy ratio, credit risk, inflation, and exchange rate, and negatively correlated with profitability, money supply and GDP. SYS-GMM estimates show that capital adequacy ratio, credit risk, inflation and exchange rate positively influenced operational efficiency, while profitability, money supply (M3) and GDP had a negative influence. Thus, it is concluded that bank management should decrease administrative costs, evaluate customers’ creditworthiness before issuing loans, raise bank size as operational conditions require, boost intermediation, and anticipate inflation to operate more efficiently.

Business organizations are facing ever-growing challenges in the competitive market regarding commitment, retention, engagement, and the belief of their employees. Employees are regarded as the lifeblood of every organization where the companies could not run their activities without skillful employees. The objective of this study is to explore the effect of job satisfaction, employee empowerment, and emotional intelligence on bank employees’ performance in the context of Bangladesh. In terms of the research purpose, non-probability convenience sampling has been used in this study. The targeted population was the commercial bank employees in Bangladesh. Regarding this study, total of 200 employees were asked to participate in this research. Among 200 employees, finally, 160 responses were received as complete with an 80% response rate. For analysis purposes, SPSS version 26.0 was used in this study. The study discovered that job satisfaction, employee empowerment, and emotional intelligence positively and significantly affect employee performance. The model explains 60 percent variance, and employee empowerment is found to have a higher impact on employee performance. Finally, this study will offer some extraordinary directions and implications for future research on commercial bank managers.

Abstract Deposit mobilization is the most important service and an integral part of banking operations. In Ethiopia, mobilizing savings through intense deposit collection has been regarded as the major task of banking. However, managing deposits is impossible without understanding and controlling the factors that influence them. Thus, this study examined the bank-specific and macroeconomic determinants of deposit mobilization in Ethiopian banking sectors using balanced panel data of 14 commercial banks from 2011 to 2020. Secondary data sources from sampled commercial bank audited financial statements were used to achieve the stated objective. A quantitative approach and explanatory design were employed. The model result demonstrated that loan to deposit ratio, capital adequacy, economic growth, inflation, population growth, and political stability have a negative and statistically significant effect on commercial bank deposit mobilization. On the other hand, the bank's profitability has a positive and statistically significant impact on commercial bank deposit growth. The study suggests that Ethiopian commercial banks need to improve deposit mobilization by paying more attention to internal factors controlled by management, while keeping in mind the influence of the overall economic and political dynamic. This study provides useful insights for bank managers, owners, analysts, policymakers, depositors, and other stakeholders on the deposit growth of commercial banks and its determinants. Meanwhile, academic researchers and students may use the findings and suggestions to conduct a study in the banking area. Unlike the previous studies, the present study examined the effect of population growth and political stability on deposit mobilization and contributes to the limited stock of existing knowledge in the area.

Purpose: Both branch and automated teller machine (ATM) are playing a crucial role in banking coverage expansion in India. People prefer to go to an ATM for withdrawal of money rather waiting in a queue for hours at a branch. Without the existence of a full-fledged brick-and-mortar branch, ATM also plays an important role by providing basic banking services. In India, a significant part of the population is excluded from banking access. The present study aims to investigate how the branch and ATM penetration influence financial inclusion. Design/methodology/approach: The study covers the period from 2008–2009 to 2019–2020. With the application of Welch's t-test, a comparative study is being conducted between branch and ATM. Further, with the application of regression analysis, the study analyses how the branch and ATM network expansion influence financial inclusion. Findings: Though in recent times customers prefers to visit an ATM and its growth rate is higher than branches, the study found no significant differences between the growth of branch and ATM. Further, results of regression show both branches and ATMs have significant impacts on financial inclusion. Originality/value: In micro concept both have a common role in respect of service provided to customers. While in macro concept a list of specific services can be provided through branch level only. This study has a significant role, considering the importance of branches or ATMs and cost of installing a physical branch. [ABSTRACT FROM AUTHOR]

The steady development of commercial banks plays a key role in maintaining the healthy development of the economy. The ability to judge financial risks is a reflection of the comprehensive risk management level of a commercial bank, and it is also an important criterion for measuring its competitiveness and operational stability. Based on the analysis of economic development laws and reference to relevant literature, this paper screened out the eight most representative risk evaluation measurement indicators of commercial banks, ranked these indicators in preference according to expert opinions, established a group decision-making model, and then obtained the consensus ranking by using the least divergence method. The PCbHA method was used to check the consistency of the results, modify the expert opinions, iteratively calculate, and finally construct the importance ranking of commercial bank risk indicators. This paper discusses the construction of an evaluation system based on the perspective of risk management to enrich and improve the risk management content of commercial banks, enhance the risk prevention and control ability, and provide suggestions for the prevention and management of risks in commercial banks. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Economic Research & Business Administration is the property of Al-Farabi Kazakh National University 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.)

China's banking system has a relatively high level of state control, while an important task in regulating the banking system is to manage the profitability of banks. Using the stochastic frontier approach to assess the profitability of commercial banks not only allows for the bank's ability to generate profits relative to the leading banks in the industry to be assessed but also takes into account the specifics of the management technologies used and the influence of the market environment. This article analyzes the profitability of the Chinese banking system for the period 2012–2020 using the stochastic frontier approach from the position of the central bank. The specifics of the analysis from the bank's perspective imply a focus on the position of most banks regarding the level of best practices and trends in changing the overall level of profitability. Analysis may be of interest to banking regulators and researchers. In general, the Chinese banking system demonstrates a high level of profit efficiency and cost efficiency, although the dynamics of these indicators are negative. The reason for the negative dynamics is a decrease in the economic growth rate of the economy, the instability of the financial market and ongoing reforms. State-owned commercial banks are becoming highly profitable, while national joint-stock commercial banks are facing increasing competition and reducing efficiency of profitability. City and rural commercial banks maintain a high level of profitability due to state support. [ABSTRACT FROM AUTHOR]

The article is aimed at deepening and systematizing the theoretical and methodological foundations of liquidity management at the macro and micro levels. The state of liquidity of the banking system of Ukraine during the war period is analyzed and the shortcomings of the practice of liquidity management of banks at the macro and micro levels are allocated. It is found that, despite a sufficient level of liquidity of domestic banks and moderate systemic liquidity risk, banks have problems with a fixed-term deposit structure, a significant liquidity surplus, increased funding costs and increased competition for business funds. The theoretical and methodological foundations of liquidity management at different levels are systematized and supplemented, taking into account the actual problems of liquidity management of domestic banks. Two structural and logical schemes of liquidity management of the bank at the micro and macro levels have been built, which contain conceptual foundations for building liquidity management (principles, methods, instruments, communication) and take into account modern regulatory requirements (central bank, Basel committee). At the micro level, the process of liquidity management and liquidity risk management is differentiated, taking into account the channels of interaction, specific methods and instruments. Methods and instrumentarium for liquidity risk management in the process of bank liquidity management have been expanded. A universal, step-by-step algorithm of liquidity management process at the micro level is proposed. The instrumentarium of liquidity monitoring at the bank level is systematized, taking into account modern practice. The conceptual foundations of liquidity management at the macro level have been supplemented, in particular: 1) management instruments have been supplemented by the indicative ones; 2) the principles have been expanded, synergy, behaviorality, controllability have been added; 3) the functions and objectives of management are adjusted taking into account crisis factors. Emphasis is placed on proper inter-level communication and coherence of strategies, policies, methodologies and procedures for managing liquidity of banks. It is determined that the regulator at the macro level should form an appropriate atmosphere for effective liquidity management at the micro level, and banks should take a responsible (taking into account system-wide goals) approach to the liquidity management. Prospects for further research in this direction are: 1) analysis of the impact of technological innovations on the process of liquidity management at the macro and micro levels; 2) study of the global context, namely the impact of systemic shocks of different jurisdictions on the liquidity of the domestic banking system. [ABSTRACT FROM AUTHOR]

Purpose: The study was conducted to examine the Impact of asset diversification on the profitability of selected large commercial banks in Tanzania. Specifically the study intended to examine the customer loans impact on the profitability of commercial banks in Tanzania, examine the bank assurance impact on the profitability of commercial banks in Tanzania and examine investment in Government securities' impact on the profitability of commercial banks in Tanzania. Methodology: This study uses secondary data sources, mainly from annual reports of listed banks, financial reports in newspapers, and data from the Bank of Tanzania regarding the performance of the banking industry. The variables that were used include bank loan, bank assurance, inflation GDP and government. Data was analyzed using descriptive research design whereby Statistical Package for Social Science (SPSS) was used. Findings: The study revealed that customers loan (p=.0418), investments in government securities (p= .0399), and Bank assurance (p=.0348) were significant in predicting the financial performance of commercial banks since all the p values were less than 0.05. Control variables were able to explain the results, Core capital to RWA (p=.0318), asset size (p=.0255), Liquid assets to total assets (p=.0203), Inflation rate (p=.0219), and GDP growth (p=.0273) significant as they were below 0.05. The study conclude that Asset diversifications have a significant relationship with the performance of commercial banks. Unique Contribution to Theory, Practice and Policy: The study used portfolio Diversification theory. The study period, spanning from 2015 to 2020, witnessed a notable positive impact of bank assurance, customer loans and investment in Government securities on the performance of commercial banks. The demand for this asset type highly during this period, creating an active market that contributed to enhanced returns. The study recommended the need for collaboration by all stakeholders in the financial sector to review the regulations and establish a framework that supports the implementation of new asset development. [ABSTRACT FROM AUTHOR]

The Covid-19 pandemic has had an impact on many aspects of the economy, including commercial banking. The effect of the pandemic on the bank’s operation through three main channels, when the pandemic happens, many enterprises have to stop production and business, individuals and households face many difficulties, the change in consumer behavior and investment structure of enterprises or foreign investors. The financial situation of these subjects affects the operation of the bank. The study aims to understand the impact of the pandemic on the financial health of banks in the early stages of the pandemic. Secondary data for the period 2017 to 2020 was collected from the financial statements of 24 Vietnamese commercial banks. The indicators are analyzed using a paired t-test. The article has identified three issues to be concerned about during the pandemic: (1) The liquidity index increases; (2) Non-performing loans decreased while under normal conditions, this index increases continuously over the years; (3) Return on asset increases while under normal conditions, this index decreases continuously over the years. Then, the article proposes implications for solutions to help banks operate efficiently during the pandemic. This study offers a new understanding of the effect of the pandemic on banking operations in Vietnam, a country whose financial system depends mainly on banks.

This study is conducted to clarify the impact of the factors on the competitiveness of retail banking services inVietnam’s commercial banks from the customer’s approach. The hypothesis in this paper is proposed that the competitiveness of retail banking services is related to the following factors: service quality, fees, distribution channels, promotion activities, and brand. The data is used from the survey conducted by 438 individual customers who have been using retail banking services in Vietnam’s big cities. This paper shows that the specific factors which are positively impact the competitiveness of retail banking services in Vietnam can be seen as prices (service fees), promotion activities, brand and distribution channels and service quality. The findings in this research could be an academic basis towards the improvement of the policies for retail banking services in Vietnam.