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Copyright of Contaduría y Administración is the property of Facultad de Contaduria y Administracion-Universidad Nacional Autonoma de Mexico 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.)

Literature on the effects of socio‐political factors and the quality of political‐economic institutions on banking performance is scarce and mixed. To contribute to this literature, this study analyzes whether democracy and economic freedom affect the banking sector in European Union member countries. We provide empirical evidence of the influence of democracy and economic freedom on banking performance using a sample of 27 countries from 2001 to 2020, and accounting‐based return on assets (ROA) and return on equity (ROE) as performance measures. A dynamic model (system GMM) was used to address issues such as heteroscedasticity, serial correlation, and endogeneity. These findings indicate that democracy is positively associated with banking performance, whereas economic freedom negatively affects it in the sample countries. Additionally, this study adds to the growing literature on the relationship between control variables (macroeconomic determinants, bank‐specific factors, or a country's legislative regime) and banking performance. This study is practically valuable for managers, investors, stakeholders, policymakers, and academicians. [ABSTRACT FROM AUTHOR]

This study is rooted in the necessity to gain a thorough comprehension of organizational capabilities essential for embedding dynamic capabilities (DC) according to the technology‐organization‐environment (TOE) within the landscape of digital transformation (DT). We have observed a surge in recent research focused on DC in the context of DT, however, there is still ample room for exploration to address the complex barriers, drivers, and routines associated with each DC capability, all crucial for achieving successful DT. Our approach employs a qualitative study involving interviews with 18 banking professionals based in Indonesia. Our study's findings have identified six DCs based on the TOE framework that can be effectively employed to facilitate successful DT including the technology capability for the technology dimension, strategy, organizational, and innovation capability for the environment perspective, and environment factor consisting of ecosystem and governance‐risk management‐ compliance (GRC). Delving into these six capabilities, we have explored the barriers, drivers, and routines linked with each. Additionally, our study has facilitated the alignment of DT benefits with expected performance outcomes, thus empowering companies to prioritize DT initiatives in alignment with their performance objectives. From a theoretical standpoint, this research contributes by offering an extensive comprehension of the factors and routines intrinsic to DC based on the TOE framework within the context of DT. From a managerial perspective, it provides guidance to companies as they navigate the realm of DT through a comprehensive lens focused on the DC. [ABSTRACT FROM AUTHOR]

As digital technology continues transforming the banking sector, the digital credit revolution is also becoming attractive in Africa and worldwide. Digital credit is a service that provides instant short-term loans offered via mobile money, especially in the banking industry. In Tanzania, few studies have assessed its contributions to commercial banking performances. This study intends to evaluate the contributions of the digital credit uprising on banking performance in Tanzania, focusing on the NMB Agency in Dodoma City. Specifically, the study intends to assess the role of NMB digital credit platforms on bank performance; and examine the limiting factors hindering digital credit platforms' performance in the banking industry. Data were collected through surveys and interview methods and analyzed using multiple regression and content analysis. The study found a significant relationship between the presence of digital credit platforms and bank performance. However, the findings reveal that low customer awareness was a major limiting factor hindering NMB digital credit performance in the study area. The study concludes that NMB digital credit platforms, digital credit accessibility, and time for loan processing are key determinants of the digital credit uprising at NMB for the bank's performance in Dodoma City. The study recommends collaborative efforts between government and private sectors in regulating cyber security to enhance banking performance.

The relationship between bank performance and bank value is a crucial area of study, particularly in the context of emerging economies like Jordan. This study aims to investigate the moderating effect of bank performance on bank value, providing insight into how performance metrics influence overall valuation. The study employs a comprehensive methodological approach, utilizing panel data regression analysis to examine data from a sample of Jordanian banks over the period from 2014 to 2022. Key performance indicators such as Tobin’s Q, accounting conservatism, debt ratio, current ratio (CR), return on assets (ROA), and asset turnover are factors that influence bank value in the Jordanian market. The results reveal that bank performance significantly moderates the relationship between bank-specific factors and bank value. Specifically, the study finds that return on assets has a positive and statistically significant effect on bank value. The analysis reveals a significant positive correlation between bank value and profitability, as evidenced by a moderate positive correlation coefficient (0.26) between Tobin’s Q and ROA. However, weak or non-significant correlations are observed between bank value and accounting conservatism, debt ratio, and asset turnover.

Background This study aims to contribute to a better understanding of the impact of the financial technologies (fintech) era on the performance in the banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is a question of knowing whether banking investment in fintech makes it possible to better evaluate the granting of credits, and therefore makes it possible to reduce overdue credits. Methods To this end, the method used consists of using a regression analysis and a Pearson correlation applied to the financial data of Moroccan banks observed during two distinct periods, namely 2007-2014, considered pre-fintech, and the period 2015-2022, considered as the fintech period. Results With the emergence of the fintech era, the Moroccan banking situation improved slightly compared to the pre-fintech period: bad debts did not increase despite the significant increase in net banking income and the size of banking assets during the fintech era. Conclusions The implementation of fintech has improved customer relationship management, credit risk analysis and loan monitoring services, which ultimately reduces non-performing loans and improves the coverage of non-performing loans by provisions. The main implication of the results allows us to deduce that the implementation of fintech makes it possible to have a positive impact on overdue credits, and they are also likely to serve as a lever for the inclusion of those excluded from banking services.

As digital technology continues transforming the banking sector, the digital credit revolution is also becoming attractive in Africa and worldwide. Digital credit is a service that provides instant short-term loans offered via mobile money, especially in the banking industry. In Tanzania, few studies have assessed its contributions to commercial banking performances. This study intends to evaluate the contributions of the digital credit uprising on banking performance in Tanzania, focusing on the NMB Agency in Dodoma City. Specifically, the study intends to assess the role of NMB digital credit platforms on bank performance; and examine the limiting factors hindering digital credit platforms' performance in the banking industry. Data were collected through surveys and interview methods and analyzed using multiple regression and content analysis. The study found a significant relationship between the presence of digital credit platforms and bank performance. However, the findings reveal that low customer awareness was a major limiting factor hindering NMB digital credit performance in the study area. The study concludes that NMB digital credit platforms, digital credit accessibility, and time for loan processing are key determinants of the digital credit uprising at NMB for the bank's performance in Dodoma City. The study recommends collaborative efforts between government and private sectors in regulating cyber security to enhance banking performance. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Accounting & Auditing (2314-4793) is the property of Beni Suef 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.)

This research investigates how the dimensions of the Technology, Organization, and Environment (TOE) framework influence the digital business ecosystem (DBE) and, in turn, how this ecosystem impacts the adoption of Islamic Mobile Banking (IMB). It addresses a gap in existing literature by adopting a customer-centric perspective, highlighting how DBE affects IMB adoption, a departure from previous studies that primarily focused on internal organizational factors. To achieve its objectives, the study employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data from 985 IMB users in Indonesia. The findings reveal that DBE significantly influences IMB adoption, particularly when moderated by customer behavior as an environmental factor. Factors such as perceived usefulness and ease of use within the technological domain, firm reputation and innovation within the organizational domain, and perceived risk and sharia compliance as environmental factors all positively and significantly impact DBE. Additionally, perceived security has a significant effect on DBE, especially when mediated by perceived ease of use. Furthermore, DBE serves as a crucial mediator between all dimensions of the TOE framework and IMB adoption. This research offers a theoretical contribution by examining the TOE framework dimensions from a customer's perspective, revealing their impact on DBE and IMB adoption. From a managerial perspective, the study provides valuable insights for banks on how to effectively manage technological, environmental, and organizational dimensions to strengthen DBE and promote IMB adoption.

Tax avoidance and capital expenditure are critical financial strategies employed by banks to enhance profitability. Understanding their impact on bank financial performance is essential for policymakers and bank managers seeking to optimize financial strategies. This study is aimed to investigate the influence of tax avoidance (TAV) and capital expenditure on the financial performance of Jordanian banks, while exploring the moderating effect of firm size. Using regression analysis, the relationships between tax avoidance, capital expenditure, bank size, and bank financial performance were investigated. Financial data from Jordanian banks were utilized over a specified period. The study results refer that tax avoidance has a positive correlation with ROA (the correlation = 31.7%) and ROE (the correlation = 30.2%). The results reveal that tax avoidance significantly impacts bank financial performance, with banks employing tax avoidance strategies exhibiting higher returns on assets and equity. However, capital expenditure does not demonstrate a significant association with bank financial performance. Additionally, firm size does not moderate the link between TAV, capital expenditure, and bank financial performance. The non-significant impact of capital expenditure underscores the need for banks to explore alternative avenues for improving financial performance. These findings provide a valuable insight for policymakers and bank managers in devising effective financial strategies to optimize bank performance in the Jordanian context.

Copyright of Muthanna Journal of Administrative & Economics Sciences is the property of Muthanna Journal of Administrative & Economics Sciences 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.)

Copyright of Journal of Economic Administrative & Legal Sciences is the property of Arab Journal of Sciences & Research Publishing (AJSRP) 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.)

Copyright of Accounting & Financial Studies Journal is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) 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 rapid proliferation of information and communication technology has accelerated innovation in financial instruments, resulting in a heightened transformation of the competitive landscape and regulatory framework within the banking sector. Despite ongoing policy debates regarding the role and significance of financial innovation and regulation, there is a scarcity of empirical studies investigating their implications in the context of South Asian Association for Regional Cooperation (SAARC). Therefore, this study seeks to bridge this gap by examining the impact of financial innovation and regulation on bank performance. Specifically, it assesses how financial innovation influences bank performance and how this interaction varies across different aspects of the institutional environment in relation to bank performance. To achieve the objectives of study, we employ panel regression methods, including fixed and random effect models, to analyze a dataset consisting of 88 banks from SAARC countries for the period 2007 to 2019. Our findings reveal a significant positive relationship between financial innovation and banking performance. In addition to this, bank regulation has a moderating role in the relationship between financial innovation and bank performance over the sample period. This indicates that both financial innovation and regulation help to improve the quality and efficiency of banking services. [ABSTRACT FROM AUTHOR]

Copyright of Investigación Económica is the property of Universidad Nacional Autonoma de Mexico, Facultad de Economia 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 empirical study delves into the dynamic landscape of financial technology (FinTech) and its profound influence on banking performance. With an increasing reliance on technological innovations, this research investigates the transformative role of FinTech in reshaping traditional banking operations. Through an empirical investigation, we examine the multifaceted impact of FinTech on key performance indicators within the financial sector. The study employs a comprehensive research framework to analyse the adoption and integration of FinTech solutions by financial institutions. As FinTech continues to redefine traditional banking paradigms, this study aims to provide valuable empirical evidence that informs industry stakeholders, policymakers, and researchers about the transformative dynamics unfolding in the intersection of FinTech and banking performance. Ultimately, the findings contribute to a deeper understanding of the ongoing revolution in the financial sector and its implications for the broader economy. [ABSTRACT FROM AUTHOR]

Digital transformation (DT) is a crucial strategic initiative for organizations to rectify output, adapt, and keep up with the digital economy. Dynamic capability (DC) is a widely‐used model for managing opportunities and risks from digital transformation. However, there is a lack of research examining the measurement and relationship between the primary activities of dynamic capability and DT, especially within the banking sector. Acknowledging the importance of DC, we propose this research which emphasizes the significance of sensing, seizing, and transforming aptitudes in promoting DT and improving banking performance. Within this study, we specifically investigate the role of governance, risk management, and compliance (GRC) factors. By utilizing structured equation modeling (SEM) and analyzing data from 322 respondents representing 45 banks in Indonesia, our empirical findings demonstrate that all three DC activities have a significant influence on DT, in which sensing activity has the biggest impact, followed by transforming and seizing. Furthermore, we reveal that DT acts as an intermediary between DC activities and banking performance, and GRC factors further enhance the impact of DT on organizational performance. Our research offers valuable insights to assist banks in prioritizing essential capabilities, including GRC, to enhance overall performance through dynamic digital transformation capabilities. [ABSTRACT FROM AUTHOR]

This research examines the effects of Capital, Interest Income, and Liquidity on Financial Performance of the Bank during period of 2012-2022, taking into consideration the moderating role that FinTech plays in the relationship. Capital, as assessed via CAR which is Capital Adequacy Ratio, exhibits conflicting impacts on banking performance. It has a significant negative influence on profitability (ROA) and asset quality (NPL), but it has a good impact on efficiency (BOPO). Capital effects on different things ROA, NPL, and BOPO, however, becomes statistically negligible when FinTech is used moderately. The ratio that represents net interest income, known as the net interest margin, contributes considerably to an increase in profitability (ROA), but at the expense of the asset quality and operational efficiency. If FinTech is managed properly, its influence on ROA will be reduced, while the consequences it has on NPL and BOPO will become less significant. The Return on Assets (ROA) and Efficiency (BOPO) are both favorably affected by Liquidity, as assessed by the Loan to Deposit Ratio (LDR), while Asset Quality (NPL) is not significantly impacted. However, because of the moderation brought about by FinTech, the effect of liquidity on ROA, NPL, and BOPO becomes statistically irrelevant. Among our suggestions is the adoption of digital services for the purpose of boosting liquidity, the reduction of unproductive branch offices, the formation of collaborative partnerships with FinTech companies, and the improvement of regulatory control. This study reveals important insights into the rapidly changing world of banking and FinTech, which may influence strategies for achieving sustainable development. [ABSTRACT FROM AUTHOR]

This document is a list of references and citations from various sources related to the topic of banking and its impact on economic growth. The sources cover a range of subjects, including the relationship between finance and growth, the performance of the banking sector, factors affecting bank profitability, and the role of banks in promoting economic growth. The document includes studies from different countries and regions, such as India, Bangladesh, and the United Arab Emirates. It also touches on topics like non-performing loans, small business borrowing, and the effects of the global financial crisis on Islamic banks. [Extracted from the article]

In the financial-banking field, rational behavior is explained by maximizing return at an assumed level of risk or vice versa, maximizing risk at an expected return in order to maximize the value of the economic entity. The performance of a credit institution is no longer defined by the traditional profit, but by the profit that shows a real increase in the value of the economic entity, of the shareholders' equity. Peter Drucker1 says that "Management gives up its traditional master - profit, it now engages, more and more meaningfully, in the service of value". We agree with this opinion, demonstrating that a credit institution can obtain this profit by properly managing their banking assets and liabilities from a temporal, value and financial standpoint, as well as by keeping track of the bank's liquidity and solvency at the microeconomic level. Performance and risk are two essential components of the management of credit institutions. Starting from the fact that in recent years the economic crises have generated the emergence of new risks and vulnerabilities, we utilized the regression method to better analyze the financial performance based on banking performance ratios, and thereby revealed the correlations between return on equity and risk, as well as the form and strength of the correlation.

This study aims to pioneer in investigating the role of two major components of governance (i.e., corruption and political stability) in banking performance in the case of 21 emerging countries. Using time‐series data from 2010 to 2017 with annual frequency, this study uses a comprehensive measure that assesses banking performance called capital‐adequacy, asset‐quality, management‐efficiency, earnings and liquidity (CAMEL). However, for empirical analysis, this study utilises the dynamic panel data modelling technique, that is, System‐GMM and Pooled‐OLS and margins plot, for robust and policy‐oriented outcomes. We find that higher corruption and political instability negatively affect asset quality, earnings, and management efficiency and positively affect the banks' liquidity. More interestingly, higher corruption is more harmful than lower political stability. It negatively affects the banking performance directly and intensifies the impact of the lower stability on banking performance. This study has implications for regulators, bankers, and investors. [ABSTRACT FROM AUTHOR]

The main purpose of this study was to examine how digitalisation with a mediating role of training influences banking performance and further how banking performance helps in realisation of specific sustainable development goals (SDGs). Data were gathered from 402 employees from public, private, and foreign sector banks. Digital culture, digital technologies, and digital skillsets are the sub-scales of digitalisation. For training, three types of training (on the job training, off the job training, and special training) were considered. Banking performance was measured through balanced score card covering customer, financial, internal business process, and innovation and learning perspective. This study considered SDG1: eradication of poverty; SDG5: gender equality; and SDG8: economic growth and decent work. Partial Least Square-Structural Equation Modelling was used to examine relationship among digitalisation, training, banking performance, and the realisation of specific sustainable development goals (SDG1, SDG5, and SDG8). The results highlighted that digitalisation has a positive association with training and with banking performance (with β values of 0.692 and 0.531). The direct effect of digitalisation on banking performance (with β value is 0.316) was significant; however, the effect was enhanced when training was used as a mediating variable between digitalisation and banking performance (β: 0.367). Furthermore, the results suggest that banking performance has a positive association with realisation of specific SDGs (β: 0.867). In the designed model, it can be seen that the predictors (digitalisation and training) explained 61.1 percent of banking performance. This paper, by combining digitalisation and training with banking performance, provided an integrated approach to contribute towards the realisation of sustainable development goals (SDG1, SDG5, and SDG8). The final integrated model with digitalisation, training, and banking performance as predictors explained 75.6% of variation in exogenous variable, i.e., the realisation of specific SDGs. The results indicate an important role of digitalisation and training in scaling up banking performance for the realisation of specific SDGs. [ABSTRACT FROM AUTHOR]

Copyright of Kufa Studies Center Journal is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) 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 research aims to discuss the concept of financial technology, as the world has witnessed a technological revolution that has affected all sectors, including the financial sector. This contributed to the production of a range of financial products that led to the development of the banking industry, until this technology became an integral part of human life, and banks began to benefit from this technology. The research relied on the descriptive approach and its main tools such as description, observation, induction and analysis, and this methodology required dividing it into three sections, the first discussed the emergence of the term financial technology and its concept, the second talked about the development of financial technology mechanisms due to the characteristics of financial innovations and their use to provide advanced banking services to customers, while the third topic discussed the challenges and expected risks that hinder financial technology. The research concluded with results that confirmed the role of financial technology in the development of banking services and that it is an inevitable result of the information revolution. [ABSTRACT FROM AUTHOR]

The purpose of this study is to seek to identify the role of banking secrecy in improving banking performance, and to propose new mechanisms aimed at overcoming obstacles that stand in the way of developing banking performance and working to improve the performance of banks under study. The research included quantitative analysis of data related to six commercial banks in the South of Iraq. The study sample included a group of 50 employees in these banks. The analysis is based on a solid base that sought to uncover the practices of these Banks in how to improve their banking process. The study sought to test several hypotheses related to the influencing relationships between the study variables represented in banking secrecy and banking performance. The data were processed through statistical methods using the statistical program (SPSS). The results of the statistical analysis of the data collected through the questionnaire tool prepared for this purpose showed that the necessity of applying the secrecy to achieve the goals of the banks under study.

The Covid-19 pandemic has hit the world since the end of 2019 and has damaged the world economy, including Indonesia. Banking as a financial institution that provides funding to companies is also affected. Because the pandemic has reduced the company's performance, and this decline in performance has had an impact on banking. The aim of this research is to test whether the Covid-19 pandemic has an impact on the relationship between risk factors and bank performance. Bank performance is measured by profitability which consists of return on assets (ROA) and return on equity (ROE), while bank risk in this study consists of credit risk, liquidity risk, capital, operational risk and the Covid-19 pandemic. The population in this research is the Regional Development Banks (BPD) in Indonesia totaling 34 banks with a sample of 30 banks. The observation period was 4 years with quarterly data so that 320 observation data were collected. Hypothesis testing uses panel data regression, and to select the best regression model, the model will be tested using the Chow-test, Hausman-test, and Lagrange Multiplier test. After the model test was carried out, the fixed effect model was selected as the best model. The research results show that credit risk and operational risk have a significant and negative influence on all profitability, both ROA and ROE. Meanwhile, liquidity risk (LDR) has no effect on both types of profitability, while capital has an effect on ROE but has no effect on ROA. Another interesting result is that the Covid-19 pandemic has no impact on the influence of risk on bank performance. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Financial, Accounting & Managerial Studies is the property of Journal of Financial, Accounting & Managerial Studies 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 investigates the degree of sustainability disclosure of listed banks in the UAE financial markets and analyzes the effect of sustainability disclosure on banking performance. Sustainability disclosure is examined by considering three dimensions–economic, environmental, and corporate social responsibility–and using content analysis. Dynamic panel regression was used to study the impact of sustainability disclosure on banking performance by differentiating between conventional and Islamic banks. The empirical results show that banks' levels of sustainability disclosure are low. Moreover, dynamic panel data reveal that sustainability disclosure has a positive and significant impact on bank performance. The results of this study assist the Central Bank of the UAE in developing a corporate sustainability disclosure framework to improve bank transparency, reduce information asymmetry, and improve compliance with sustainability standards. [ABSTRACT FROM AUTHOR]

The research presents the interrelationships between banking performance, competitiveness and sustainability of the three banking systems and the impact of each sustainability variable selected on the other macroeconomic indicators in short, medium and long-time horizon. The empirical study involved the use of a panel Auto Regressive Vector methodology and was based on macroeconomic indicators relevant to the performance of the banking system (return on assets, return on equity, an annual growth rate of Gross Domestic Product), as well as indicators that can be assimilated to sustainability (renewable fuels used, CO2 emissions). The dependent variables were return on assets and the annual growth rate of Gross Domestic Product. The global sample analyzed comprises 29 countries, spread over three continents (Europe, North America, Asia), with data collected over a 10-years period (2011-2020). These countries together account for approximately 62% of global GDP (data from 2020). The research results show that as banks invest in green energy and sustainable products, competitiveness will also increase, which will have a negative impact on profitability in the short term. In the medium and long term, this impact will become positive also in terms of profitability increase. This strategic move to develop sustainable business models and to finance a higher percentage of green investments also adds extra competitive advantages, such as reputation and smart differentiation, from other less sustainability-oriented banking systems. The process impacts the systemic level, the macro perspective, the banking organizational level, the micro perspective, together with the perception of the customers.

The banking crisis occurred as a result of the massive financial deregulation that lead the banks to expand their businesses on the large-scale and tends to increase the risk their portfolio, such as in the Asian and the US crisis. The aftermath of the crisis became the challenge for the government and regulators, as it required a tremendous amount of liquidity injection either from the international lender of last resort such as the IMF, or from the government (by using taxpayers money), undeniably it remains painful for the economic recovery. The banking reforms aim to strengthen the banks and the financial industry. There are numerous reforms agenda in every crisis, however this study focus on several issues that most often arises in every crisis. The most common issues are; (1) the presence of deposit insurance institution protecting the depositor's money to reducing public panics, and bank runs, (2) ensuring sufficient capital as a buffer to the crisis and liquidity management by adopting the Basel requirements. By comparing the banking reforms in the US, the UK, Indonesia, and Thailand, this study aims to give insight which reforms were the most effective to address the crisis and had an impact to the bank's performance, particularly in the profitability and also the economic performance, by measuring loan to GDP ratio. The result of this research are the banking reforms to some extent, have had a positive impact on the banking profitability in emerging countries. However, in the developed countries, the financial crisis and the banking reforms were not necessarily affected the recovery of the industry. Meanwhile, the banking reforms that focus on strengthening the regulation could slow down the economic growth as the banks become more prudent in giving the new loan. However, lowering the net interest margin could boost the lending growth. In the end, the policies recommendation are implementing the risk-based premium scheme on deposit insurance institution, and the implementation of counter-cyclical capital variation on the capital requirement.

This study aims to introduce the concept of financial inclusion, which is considered one of the best means to achieve financial and economic stability because of its positive repercussions on economic growth and the rotation of the economy from recession to recovery and then prosperity, and the role of Islamic banks in achieving it socially. It was based on the descriptive approach and its methodological tools such as description, induction, and analysis. The study was divided into three main topics; the first defined the nature of financial inclusion, its origin and development, and its concept from an Islamic perspective. The second presented a historical study on the Algerian banking system, the most important reforms that the Algerian economy went through and the general structure of the banking system in Algeria. The third analyzed the relationship between financial inclusion indicators and banking performance dimensions. Finally, we mention some results: proving the role of Islamic banks in raising the rate of financial inclusion in Algeria and showing the relationship between enhancing financial inclusion and achieving economic stability. Clarify the ways of Islamic banks to achieve wider inclusion within Algerian society within the banking system. [ABSTRACT FROM AUTHOR]

The evolution of green financing is essential for emerging markets to facilitate sustainable development. The banking channels can provide the necessary funds that can foster the transition to eco-friendly business processes. This role is more critical in the case of SMEs who face funding constraints but can play a significant role to achieve net zero emissions. The literature on the relationship between sustainable bank financing and SMEs is non-existent and in this paper, we attempt to fill this gap. We employ a comprehensive dataset of commercial banks in the BRIC for eleven years. Our results show a positive relationship between green SME lending and net interest margin. We also observe a negative relationship between sustainable lending to small firms and the default risk of the banks. These findings demonstrate that if banks expand their sustainable SME lending, they are likely to get bottom-line support from improvement in net interest margin and a reduction in default risk. These observations suggest that there are financial incentives for the banks to extend sustainable credit to SMEs and commercial banks can contribute to sustainability goals by tapping these opportunities. [ABSTRACT FROM AUTHOR]

Copyright of Jurnal Ekonomi Syariah Teori dan Terapan is the property of Universitas Airlangga 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 research aims to determine and analyze the performance of Indonesia's Banking Sub Sector before and during the pandemic. We apply the CAMEL method to assess the Bank's performance via CAR (Capital Adequacy Ratio), NPL (Non-Performing Loan), NPM (Net Profit Margin), ROA (Return on Assets), and LDR (Loan to Deposit Ratio) in both situations. The sample uses 42 banking companies listed on the Indonesia Stock Exchange from 2019 – 2020. The results show that the CAR, NPL, and NPM values during the pandemic have increased compared to before the pandemic. However, the ROA and LDR values decreased during the pandemic compared to before the pandemic. The other findings exhibit no significant differences in CAR, NPL, NPM, ROA, and LDR on bank performance before and during the pandemic. In conclusion, banks should be aware of changes during the pandemic and will change various financial transactions. The research results are also significant for policymakers to make policies that can facilitate the community and the banking world in the post-pandemic era by paying attention to changes.

The banking sector is an important sector in the economy; Because the financial needs of other sectors are met by the banking system. Thus, macroeconomic performance depends on the performance of the banking sector. The purpose of this paper is to test the symmetry of the effect of monetary policy on the performance of commercial banks (profitability with return on assets and net profit margins and efficiency with cost-to-income ratio) as well as GDP, volume of facilities granted by state and non-state banks in countries. (MENA) has been reviewed. For this purpose, the threshold vector autoregression method (TVAR) and quarterly data for 2013-2018 were used. Based on the results, the effects of positive and negative monetary and credit shocks on asset returns, net profit margin, cost-to-income ratio, GDP, volume of facilities granted by state and non-state banks in terms of direction and intensity The effectiveness of these two regimes is different. Therefore, it can be concluded that the effect of monetary policy and inflation on the above variables is asymmetric in both high and low production regimes.

This study aims to analyze the financial performance of Indonesian banks based on the Capital Adequacy Ratio (CAR), Operating Costs per Operating Income (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Return on Assets (ROA), and Non-Performing Loans (NPL). The research method used is verification with a quantitative approach. Sources of data obtained from the bank's financial statements that have been published. The sample is grouped into state-owned banks, regional development banks, national private banks, and foreign banks. The sample is grouped into two parts, namely banking performance before and after the financial technology (fintech) regulatory family. The analysis technique used paired sample test and Wilcoxon signed-rank test. The results of the study stated that there were differences in CAR, LDR, NIM, ROA, and NPL after the ratification of fintech regulations. Meanwhile, only BOPO did not experience any difference with the issuance of fintech regulations. [ABSTRACT FROM AUTHOR]

Artificial Intelligence is turning out to be more far reaching in the present business climate particularly in financial areas. The development of artificial intelligence and its abundant advantages have incited the banks to reclassify their business activity by imbuement of artificial intelligence innovation in financial business. It has been broadly embraced in financial business as computerization of bank offices, web banking office, continuous cash move and center financial arrangement. This study concentrate basically underlines on to comprehend the different ramifications of Artificial Intelligence and its effect on Banking execution. The auxiliary information needed for the review was gathered from the dependable wellsprings of yearly reports, research papers and books and it was examined utilizing measurable devices like Paired Sample T-Test, Correlation and Regression examination. [ABSTRACT FROM AUTHOR]

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During the last decade (2010-2020), the use of financial technology within the banking sector has increased over the world. Therefore, the article aims to determine the relationship between financial technology and commercial banks' financial performance. A simple linear regression was used along with descriptive analysis and correlation analysis based on the top five banks in South Africa. Two measures of financial performance, return on equity and return on assets, were utilised using secondary bank data for the period of 2011-2021. The findings indicated that within the chosen sample period, there is a relationship between the financial performance of the top five banks in South Africa and the incorporation of financial technology led by the number of mobile subscriptions used for internet banking. Findings also showed that competition within the banking sector is emerging, meaning that South Africa's banking sector is moving from an oligopolistic environment into a more competitive one. This may be viable for experts within the banking space as it can provide substantial evidence that the transition from traditional-based banking to a more digital approach will be to their benefit in terms of financial performance and gaining market share within the sector. [ABSTRACT FROM AUTHOR]