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7 results on '"EARNING ASSETS"'

2. Shariah Compliant Macaulay’s Duration Model Testing: Evidence from Islamic banks in Indonesia

Author

Syed Alamdar Ali Shah, Raditya Sukmana, and Bayu Arie Fianto

Subjects
islamic banks, earning assets, return bearing liabilities, duration model, maturity gap risk management model testing, Social Sciences
Abstract

The purpose of this research is to test Shariah compliant duration models on Islamic banks in Indonesia. This will be achieved using data of earning assets and risk bearing liabilities of Indonesian Islamic banks from 2009 to 2019. Using multiple regressions the results suggest that Shariah compliant duration models are robust to calculate duration of earning assets, return bearing liabilities and Islamic banks. This research adds to the previous research of testing Shariah compliant duration model. Ultimately, it will improve profitability, risk efficiency and Shariah efficiency by improved Shariah compliant measures of risk management. This will ultimately improve market capitalization and returns stability in the long run. A major limitation of the study is very short length of data of Islamic banks. Still another limitation is difference in commencement of business of various Islamic banks that makes length of data unequal.

Published
2021
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4. Optimal Composition of the Indonesian Listed Banks' Earning Assets and the Effects on Their Market Capitalization: Does It Matter?

Author

Nasution, Eric J. and Lingga, Margaretha

Subjects
*MARKET capitalization, *SPREAD (Finance), *ASSETS (Accounting), *BANK management, *BANKING industry
Abstract

Even though it is beneficial for banks to generate the highest net interest margin at the lowest risk for optimality sake, in reality bankers and finance professionals have varied in their management style for earning assets. The general aim of the banking sectors is to generate the best net interest margins that lead to a satisfactory market capitalization level, particularly in compliance with the risk mitigation instructions issued by Bank Indonesia. Non-parametric statistical analysis was applied to secondary data obtained from the Financial Services Authority and Bank Indonesia (2012-2014). It was concluded that the loan-to-deposit ratio was not dependent on the optimal earning assets composition, even though the latter correlated with the listed Indonesian banks' market capitalization. Market capitalization is the ultimate achievement goal for all listed banks. As a result of this study, it is recommended that the Financial Service Authority and Bank Indonesia should further regulate optimal earning assets composition, in addition to prudent management of the banking system's assets and liabilities. [ABSTRACT FROM AUTHOR]

Published
2019

5. PENILAIAN KINERJA KEUANGAN PERBANKAN DENGAN METODE CAMEL (STUDI KASUS PADA PT. BANK RAKYAT INDONESIA (PERSERO) Tbk DAN PT. BANK CENTRAL ASIA Tbk

Author

Maulana Effendi, M. Rizka and Sastrawinata, Hendra

Subjects
CAMEL, Liquidity, Profitability, Earning Assets
Abstract

This research was motivated by questions regarding the comparison of the financial performance of stateowned banks and the national private. In this study, the object of the case study was PT Bank Rakyat Indonesia (Persero), Tbk, owned by the Government which has an asset value of 1,017 trillion Rupiah, with PT Bank Central Asia, Tbk, owned by the National Private Company with an asset value of 783 trillion Rupiah. After calculating the overall results, both PT BCA Tbk Bank, and PT BRI (Persero) Tbk bank could be categorized as healthy banks, even though the LDR, NPL, ROE and BOPO values were from PT Bank Rakyat Indonesia (Persero), Tbk, greater than PT Bank Central Asia, Tbk, and the ROA and CAR values of PT BCA, Tbk were higher than that of PT Bank Rakyat Indonesia (Persero), Tbk.

Published
2021
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6. Using Indices to select the method of calculating the bank's capital requirements to cover operational risk

Subjects
доходні активи, лінійна регресивна модель, earning assets, операційний ризик, capital, капітал, валовий дохід, коефіцієнт кореляції, operational risk, linear regression models, correlation coefficient, gross income
Abstract

У статті проаналізовано структуру балансу банку в контексті визначення балансових складових, що беруть безпосередню участь у формуванні його доходів, та окремі показники діяльності банківської системи України. Метою аналізу є обґрунтування застосування індикативного показника, за допомогою якого доцільно обирати спосіб розрахунку вимог до капіталу банку для покриття операційного ризику, та його використання в українській банківській практиці. The article analyzes the structure of the balance of the bank in the context of determining the balance components involved in the formation of his income, and separate indicators of the banking system of Ukraine. The purpose of the analysis is the rationale for the use of performance indicators by which it is advisable to determine the method for calculating capital requirements for the bank's operational risk and its use in the Ukrainian banking practice.

Published
2014

7. El Salvador Financial Sector Assessment Program Update : Public Banks

Author

International Monetary Fund and World Bank

Subjects
RESERVE REQUIREMENTS, NATIONAL TREASURY, PUBLIC BANK, PENSION FUNDS, PRIVATE INVESTMENT, LONG-TERM FUNDING, CREDIT GUARANTEE, DEPOSIT, EXTERNALITIES, EMPLOYMENT, LOAN DEFAULTS, FINANCIAL SECTOR ASSESSMENT, UNEMPLOYMENT, RECESSION, FEDERAL RESERVE, LIQUIDATIONS, CREDIT ANALYSIS, BANK LOAN, LENDER OF LAST RESORT, FINANCIAL INTERMEDIARIES, LOAN APPLICATIONS, RETURNS, COLLATERAL, PENSION, FINANCIAL MARKET, NON-PERFORMING LOANS, CREDIT CONSTRAINED FIRMS, CREDIT LINES, FINANCIAL SYSTEMS, EQUITY INVESTMENTS, DEVELOPMENT BANKS, FARMERS, FINANCIAL AUTHORITIES, RETAIL BANKS, MORTGAGE, FINANCIAL MARKETS, LONG TERM FINANCING, NPL, ACCOUNTING TREATMENT, EMERGING ECONOMIES, CREDIT RISKS, DEPOSITS, INSTITUTIONAL CAPACITY, ISSUANCES, CREDITORS, GUARANTOR, STATE OWNED BANKS, ADMINISTRATIVE COSTS, CORPORATE GOVERNANCE, BUSINESS STRATEGIES, PRIVATE FINANCIAL SECTOR, INTEREST EXPENSE, BALANCE SHEET, LEGAL CONSTRAINTS, MONETARY POLICY, SMALL BANK, FOREIGN BANKS, PRIVATE EQUITY, DIRECT FINANCING, LIQUIDITY, CREDIT LIMITS, INTEREST RATES, CREDIT RISK, MARKET FAILURE, LOAN SIZE, GUARANTEE SCHEMES, RESERVE ACCOUNTS, FINANCIAL SERVICES, PROFITABILITY, CONVERTIBLE DEBENTURES, LOAN PORTFOLIO, DISBURSEMENTS, MICROCREDIT, INVESTMENT PROJECTS, EMPLOYEE, FINANCIAL SUSTAINABILITY, BANKRUPTCY, COOPERATIVE BANKS, LENDERS, LENDER, CONSOLIDATION, RETURN ON ASSETS, DERIVATIVES, CAPITAL MARKETS, COLLECTION PROCESSES, CREDIT PROCESS, CREDIT PROVISION, FINANCIAL SYSTEM, LEGAL PROVISIONS, BUSINESS PLAN, FINANCIAL INSTITUTIONS, EQUIPMENT, TELECOMMUNICATIONS, BANKING SERVICES, DIVERSIFICATION, CREDIT PORTFOLIO, BANKS, CREDIT GUARANTEES, STUDENT LOANS, DEBT FINANCING, LOAN, MUTUAL FUNDS, BANK CREDIT, FINANCIAL DEVELOPMENT, STATE INTERVENTION, GUARANTEE FUNDS, SECURITIES, MARKET INTEREST RATE, MICROFINANCE, ACCESS TO CAPITAL, MARKET FAILURES, CREDIT HISTORY, CENTRAL BANKS, COOPERATIVES, DEVELOPMENT BANK, SUBSIDIARY, HOUSING, LOW INTEREST RATES, CAPITALIZATION, FINANCIAL PERFORMANCE, RETURN ON EQUITY, CORRUPTION, LENDING PORTFOLIO, ECONOMIES OF SCALE, FINANCIAL LIABILITIES, PRIVATE CREDITORS, SOCIAL CAPITAL, FINANCIAL PLAYERS, PUBLIC BANKS, SMALL LOANS, TRANSACTION COST, PRIVATIZATIONS, ACCOUNTABILITY, FISCAL LOSSES, RISK WEIGHTED ASSETS, CREDIT ENHANCEMENTS, NET INTEREST MARGIN, BANKING SYSTEM, ECONOMIC GROWTH, OPERATING EXPENSES, PENSION FUND, GROSS DOMESTIC PRODUCT, INTERMEDIARY BANKS, BRANCH NETWORK, TRANSACTION COSTS, OUTSTANDING LOAN, MATURITIES, TECHNICAL ASSISTANCE, RISK AVERSION, EARNING ASSETS, PRIVATE COMMERCIAL BANKS, TIER 1 CAPITAL, MANDATES, PARTIAL CREDIT, ASSET QUALITY, FINANCIAL CRISIS, LONG-TERM CAPITAL, AUDITING, PLEDGE COLLATERAL, GOVERNANCE STANDARDS, RISK MANAGEMENT, SECURITIES ISSUANCE, COMMERCIAL PAPER, CREDIT INSTITUTIONS, GUARANTEE FUND, SOLVENCY, FUNDING SOURCE, CREDIT PROCESSES, BORROWER, INTERNATIONAL MARKETS, GUARANTIES, LONG-TERM FINANCE, DEBT, ASYMMETRIC INFORMATION, BANKING SECTOR, NON-PERFORMING LOAN, CAPITAL ADEQUACY, CREDITS, FINANCIAL PRODUCTS, ACCESS TO FINANCE, RETURN, MARKET DISCIPLINE, FACTORING, CAPITAL MARKET, COLLATERAL REQUIREMENTS, CREDIT CRUNCH, NATIONAL CREDIT, CREDIBILITY, FOREIGN EXCHANGE, PRIVATE BANKS, INSURED DEPOSITS, BUSINESS PLANS, LINES OF CREDIT, ACCOUNTING, FINANCES, COMMERCIAL BANK, INTEREST RATE CEILINGS, MARKET DEVELOPMENT, BANK FINANCING, DIRECT CREDIT, PRUDENTIAL REGULATION, FINANCIAL STABILITY, INSURANCE, SOCIAL DEVELOPMENT, TREASURY, AGRICULTURAL SECTOR, INTERNATIONAL BANKS, FINANCIAL INSTITUTION, MARKET INTEREST RATES, ACCESS TO CREDIT, INTERNATIONAL BANK, MONETARY FUND, EQUITY FUNDS, INVESTMENT BANK, AGRICULTURAL PRODUCTS, LINE OF CREDITS, CAPITAL FINANCE, ELIGIBILITY CRITERIA, BLUE CHIP, INTEREST INCOME, LEVY, LIQUID ASSETS, SUBSIDIARIES, TRUST FUNDS, CREDIT ORIGINATION, INTEREST RATE, OPERATING COSTS
Abstract

The global financial crisis and ensuing credit crunch has revived the discussion on the role of public sector in the financial system around the world and in El Salvador, authorities have announced plans to step up their activities. A clearly defined strategy for the public banks, focused on complementing private sector activity, is necessary as their activities expand to improve access to finance and diversify the sources of funding. Any process of growth needs to accompany by improvement in risk management processes, governance arrangements and enhanced supervision. Going forward, the two public retail banks should increase their specialization in different market segments. The development bank role can be enhanced while maintaining its second tier status. To make the guarantee funds effective, in addition to scale their size, several operational features need to be improved.

Published
2010

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