scholarly journals An Empirical Study on Liquidity and Solvency Performance in ICICI Bank

2020 ◽  
Vol 3 (11) ◽  
pp. 50-52
Author(s):  
Poonam Devi ◽  
Arati Pant
Keyword(s):  
Empirical Study ◽  
Economic Crisis ◽  
Commercial Banks ◽  
Banking Sector ◽  
Research Paper ◽  
Vital Role ◽  
Banking Business ◽  
Banking Structure ◽  
Reserve Ratio

Liquidity and solvency is the life-belt of every business. In Banking business’ liquidity and solvency is prepare for conflict during the economic crisis. Banking Sector-liquidity and solvency is the epicenter in economic crisis. Globally, the liquidity and solvency played a vital role in managing liquidity and solvency issues of commercial banks. This research paper explores the concepts, analysis of liquidity and solvency in the ICICI Bank. Furthermore, this paper focuses on the liquidity aspects of ICICI Banks towards analyzing whether the ownership has any influence on the liquidity and solvency aspects of the banking structure. Besides, it looks into the unpredictability of RBI’s policies on liquidity like Cash Reserve Ratio, Statutory Liquidity Ratio etc.

scholarly journals Liquidity and Off-Balance Sheet Items: A Comparative Study of Public and Private Sector Banks in India

2017 ◽  
Vol 8 (1) ◽  
pp. 47 ◽  
Author(s):  
N. Pushkala ◽  
J. Mahamayi ◽  
K. A. Venkatesh
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Balance Sheet ◽  
Vital Role ◽  
Public And Private ◽  
Banking Business ◽  
Public And Private Sector ◽  
The Impact ◽  
Reserve Ratio ◽  
Of Greece

Liquidity is the life-line of every business. Banking business’ liquidity was the bone of contention during the economic crisis of Greece and the downfall of Finance Behemoth like Lehman Brothers. Banking Sector-Illiquidity was the epicentre of such crisis. Globally, the Off-Balance Sheet Exposure played a vital role in managing liquidity and solvency issues of commercial banks. This research paper explores the concepts, aspects, analysis of liquidity and the impact of Off-Balance Sheet Items on Liquidity and Solvency. Furthermore, this paper focuses on the liquidity aspects of Public and Private Sector banks towards scrutinizing whether the ownership has any influence on the liquidity and solvency aspects of the banking structure, under the backdrop of Off-Balance Sheet Exposure. Besides, it looks into the unpredictability of RBI’s policies on liquidity like Cash Reserve Ratio, Statutory Liquidity Ratio etc.

scholarly journals Enterprise Risk Management in Kosovo’s Banking Sector

2017 ◽  
Vol 5 (1) ◽  
pp. 38-50
Author(s):  
Arbana Sahiti ◽  
Arben Sahiti ◽  
Muhamet Aliu
Keyword(s):  
Risk Management ◽  
Financial Reporting ◽  
Banking Sector ◽  
Vital Role ◽  
Main Role ◽  
Financial Industry ◽  
Telephone Interviews ◽  
Enterprise Risk ◽  
Banking Business ◽  
Post War

Abstract Today risk management plays a vital role in business. Each firm, whether big or small, makes an effort to manage risk more effectively. Risk management is very important in the financial system, especially in banks. Billions of Euros are spent each year on the financial reporting of banks. Banks should implement effective solutions in risk management to mitigate their risks. Great financial debate that originated in the 1990s is reportedly linked to errors that occurred in the banking sector due to poor risk management. It should be noted that today technology plays a key role in risk management and it has already had a positive effect on the financial industry. Analysis of risk and its management has become significant in the Kosovo economy since the post-war period. The nature of the banking business is threatened by risks because more financial products are becoming complicated. The main role of banks is intermediation between those who have resources and those seeking them. Banks face various risks at the corporate level, such as operational, liquidity, legal, credit, and market risks; thus, these risks should be converted into a composite measure. This research aims to determine practices and effects of risk management in the banking sector. Relevant data were collected from banks through questionnaires and telephone interviews; analysis has been conducted using statistical tools. This study will engage both the quantitative and qualitative methods of data analysis. Dependent variables will be separated from independent variables, and regression analysis will be used to analyse the quantitative data.

The Fourth Industrial Revolution and private commercial banks: the good, bad and ugly

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Asif Rahman ◽  
Md. Joynal Abedin
Keyword(s):  
Commercial Banks ◽  
Industrial Revolution ◽  
Banking Sector ◽  
Stock Exchange ◽  
Vital Role ◽  
Commercial Banking ◽  
Digital Products ◽  
Content Type ◽  
Traditional System ◽  
Fourth Industrial Revolution

Purpose This study aims to assess how new and emerging technologies can contribute to achieving the financial goals of the private commercial banking sector in Bangladesh. It considers the perception among the top management about the Fourth Industrial Revolution (4IR) and further measures the readiness of private commercial banks (PCBs) to become resilient. Design/methodology/approach This study attempts to measure the perception and readiness of the commercial banking sector because of the 4IR based on the stratified sampling method. The research is qualitative and selected PCBs listed in the Dhaka Stock Exchange. 4IR in the context of the banking sector in Bangladesh is a problem that has not been studied more clearly, intended to establish priorities, develop operational definitions and improve the final research design. Findings This research has identified a significant gap of study in the preparedness among the private commercial banking sector in Bangladesh to confront the 4IR while indicating the most significant risks and managerial insights. The findings show technologies will dramatically change the nature of work. Traditional system of banking from the branch will be shifting into banking from everywhere. Hence, digital products and services will foster value-driven business. The result of the study also states the readiness of the banking sector is in the preliminary stage and endorses some of the coping approaches. Research limitations/implications Different schools of thought regarding the role of the 4IR and its future consequences have been observed. The corporate sector in Bangladesh has an inclusive lack of understanding regarding the 4IR. Practical implications The insights may provide directions to banking financial institutions of Bangladesh to thrive during the 4IR. This study is intended to assist policymakers, decision-makers and employees of PCBs to increase awareness and preparedness for future challenges that may appear from the 4IR where the 41 competitive PCBs play vital role in turning the fast emerging Bangladesh economy. Originality/value The contribution of this paper associates with academics and bankers to increase understanding of coping in the context of the escalating use of emerging technology-driven banking services within the PCBs in Bangladesh by determining perception and testing different forms of readiness including a variety of important outcomes such as risks.

scholarly journals Service Gap of Selected Public and Private Commercial Banks in Bangladesh

2012 ◽  
Vol 1 (2) ◽  
pp. 83-95
Author(s):  
Mst. Momena Akhter
Keyword(s):  
Service Quality ◽  
Service Provider ◽  
Commercial Banks ◽  
Banking Sector ◽  
Vital Role ◽  
Public And Private ◽  
The Public ◽  
Classification Code ◽  
Environment Service ◽  
Service Gap

The economy of a country is largely dependent on banking sector. In this case, Bangladesh is not exceptional. Both public and private banks play a vital role in the economy, making up one of the biggest providers of services in the Bangladesh economy. In the current banking environment, service quality is one of the main weapons, which enables the banks to differentiate from each other. It is said that service quality has become an important factor to survive and succeed in the banking sector.  Hence, providing a better service quality is vital, as banks have to compete for customers. In this paper, the factors leading to the service provider gaps in case of selected public and private commercial banks have been identified and measured and it attempts to show the relationship between the provider gaps of these banks and the gap between expected service and perceived service (customer gaps). Two public commercial banks (Janata Bank Ltd., and Agrani Bank Ltd.) and two private commercial banks (Dutch Bangla Bank Ltd., and Prime Bank Ltd.) were selected for the purpose of the study. In this paper there is an endeavor to recognize whether the service provider gaps and the customer gaps are correlated and takes into consideration the problems of organizational quality gaps where the quality losses occur. This will help the management of these banks to know where the service gaps lie and how to close the gaps for providing quality service to their clients. This study shows that the overall service gap is higher in the public commercial banks in comparison to the private commercial banks. To remove this gap and to improve the overall service quality this paper has recommended some measures for both public and private commercial banks in Bangladesh. GEL Classification Code: M30; M31

scholarly journals Financial Health Soundness Measurement of Private Commercial Banks in Bangladesh: An Observation of Selected Banks

2016 ◽  
Vol 9 (1) ◽  
pp. 20-36 ◽  
Author(s):  
Mohammad Main Uddin ◽  
Abdul Kaium Masud
Keyword(s):  
International Business ◽  
Commercial Banks ◽  
Banking Sector ◽  
Vital Role ◽  
Economic Conditions ◽  
Financial Indicators ◽  
Financial Health ◽  
Business Studies ◽  
Private Banks ◽  
Financial Soundness

The financial sector is one of the most significant sectors for any country, especially if a country is a developing in nature. In such an environment, banking sector plays the vital role to strengthen the economic conditions. Economic growth and international business is increasing in Bangladesh and private commercial banks especially private sectors play the major roles. Thus it becomes important to measure the financial soundness of the private banks in order to judge their respective position. The study was conducted to measure the financial soundness of selected private commercial banks of Bangladesh for the period 2006-2010. In this paper, an attempt was made to analyze the financial soundness of selected banks using different statistical tools and financial indicators. The study reveals that different financial indicators showed upward trends during the period 2006   to 2010. The study also made a rank of the selected commercial banks based on financial indicators. It was found that a bank with higher deposits, loans & advances, investments, branches, employees does not always mean that has better profitability performance. The study also recommends measures that could be adopted by banks to ensure soundness in their operation.Journal of Nepalese Business Studies Vol. 9, No. 1, 2015 pp. 20-36

scholarly journals Corporate Governance and Bank Competition Empirical Study on the Jordanian Commercial Banks Listed in Amman Stock Exchange over the Period (2001-2014)

2015 ◽  
Vol 7 (2) ◽  
pp. 227
Author(s):  
Abdulrahman Hashem ◽  
Fadi Mousa Ayoub ◽  
Haitham Bani Ata
Keyword(s):  
Corporate Governance ◽  
Empirical Study ◽  
Commercial Banks ◽  
Banking Sector ◽  
Stock Exchange ◽  
The Political ◽  
Bank Competition ◽  
Whitney Test ◽  
Insignificant Effect ◽  
Amman Stock Exchange

<p>The purpose of this paper is to identify the effect of corporate governance implementation on the commercial banks’ competition in Jordan. Bank competition is tested by using Panzar and Rosse H statistics model and the researchers applied it on the collected data into two periods of time (2001-2007 and 2008-2014), taking into consideration that corporate governance was first implemented in the Jordanian banking sector on 31/12/2007. The researchers used Mann-Whitney Test to compare the results of both time phases. The results showed insignificant effect of corporate governance on bank competition that can be linked to certain reasons including the immaturity of corporate governance’s implementation in the Jordanian banking sector, the socio political upheavals that affected Jordan, and the differentiation of bank services between banks led to a more monopolistic behavior. This paper urges other researchers and practitioners to take their role into updating and modifying corporate governance to positively enhance bank competition taking into account the political turbulences in the neighboring countries and the movement of cash across the region and passing the country. </p>

scholarly journals Performance Evaluation of the Jordanian Commercial Banks Based on Bankometer Parameters

2017 ◽  
Vol 9 (12) ◽  
pp. 249
Author(s):  
Tawfiq Ahmed Mousa
Keyword(s):  
Performance Evaluation ◽  
Financial Crisis ◽  
Commercial Banks ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Stock Exchange ◽  
Model Analysis ◽  
Vital Role ◽  
The Global Financial Crisis

Due to the vital role of banking sector in every country’s economy, the sustainability of this sector became a priority especially in the aftermath of the global financial crisis of 2007-2008. The main objective of this study is to assess the soundness of Jordanian commercial banks listed in Amman’s Stock Exchange (ASE) during the period (2008-2015). The study applied the Bankometer model analysis and concluded that all banks under study are safe in terms of all parameters of the model despite the slowdown of economy and the regional instability.

scholarly journals Influence of financial indicators on earnings management behavior: evidence from Vietnamese commercial banks

2020 ◽  
Vol 15 (2) ◽  
pp. 167-176
Author(s):  
Tran Quoc Thinh ◽  
Tran Ngoc Anh Thu
Keyword(s):  
Earnings Management ◽  
Commercial Banks ◽  
Firm Value ◽  
Banking Sector ◽  
Vital Role ◽  
Least Square ◽  
Financial Indicators ◽  
Loan Loss ◽  
The Impact

The quality of financial disclosures is of great importance than ever, as Vietnam’s international economic integration has been accelerating recently. This issue is currently particularly worrying for the banking sector in Vietnam, as banks play a vital role in economic development. However, there is a growing concern that managers tend to manipulate financial information using earnings management techniques to meet analyst expectations and to enhance the firm value in the short term. Such behavior can lead to inappropriateness in the decision-making process of financial statement users, as well as impair firm value in the long term. Therefore, this study examines the impact of factors related to financial indicators on earnings management of Vietnamese commercial banks to give more insight into the issue. The data of this study was collected from a sample of 30 Vietnamese commercial banks during a 5-year period from 2015 to 2019. By using the Ordinary Least Square (OLS) regression method through Eviews 10.0, the findings revealed that financial leverage and loan loss provision have a positive and significant impact on earnings management. Also, bank size and profitability were negatively associated with earnings management. Based on these findings, in the context of Vietnam, the study proposed policy suggestions to improve the quality of accounting information and to assist users of financial statements in recognizing and restricting earnings management in commercial banks.

scholarly journals Liquidity of commercial banks in Portugal and Spain

2021 ◽  
Vol 10 (1) ◽  
pp. 46-64
Author(s):  
Marco Amaral
Keyword(s):  
Financial Markets ◽  
Commercial Banks ◽  
Banking Sector ◽  
Balance Sheet ◽  
Annual Reports ◽  
Short Term ◽  
Liquidity Management ◽  
Banking Business ◽  
Critical Aspects

Liquidity is very important for the functioning of financial markets, especially for the banking sector, because one of the critical aspects in the banking business is precisely the process of transforming short-term funds and placing them in the medium and long term. This paper aims to comprehensively assess the liquidity positions of Portuguese and Spanish commercial banks through different liquidity ratios for the period from 2002 to 2015 and understand whether the liquidity management strategy differs by bank size. To this end, unconsolidated balance sheet data were used, which were obtained from the banks annual reports. The sample includes a significant part of the Portuguese and Spanish banking sector (not only by the number of banks, but also by the representation in banks total assets). The results obtained show that Spain's banks' liquidity indicator has decreased over the last four years. In contrast, bank liquidity indicator in Portugal varied slightly positively during the period 2002-2006 but decreased sharply between 2010 to 2015. Bank liquidity increased slightly during the period of the financial crisis in both countries, namely between from 2007 to 2009. Finally, it is concluded that smaller banks have less fluctuating liquidity management, i.e., large and medium-sized banks show greater variation in bank liquidity in the period under analysis, i.e., they are less liquid.

scholarly journals Assessing the influence of Corporate Governance, Ownership Concentration and Bank Size on the Firm's Value and Bank's Performance: Evidence from Pakistan

2020 ◽  
Vol V (IV) ◽  
pp. 34-46
Author(s):  
Ihtesham Khan ◽  
Wisal Ahmad ◽  
Syed Arshad Ali Shah
Keyword(s):  
Corporate Governance ◽  
Empirical Study ◽  
Ownership Structure ◽  
Commercial Banks ◽  
Banking Sector ◽  
Stock Exchange ◽  
Ownership Concentration ◽  
The Impact

This empirical study examines the impact of corporate governance, ownership structure and bank size on the bank's performance and firm's value of the banking sector in Pakistan. The data is extracted for 17 commercial banks listed at the Pakistan Stock Exchange for the period of 2006-2016. The results show that corporate governance and bank size positively affect bank's performance while ownership concentration does not have any effect on bank's performance. Moreover, firm's value is positively affected by ownership concentration, while it is not affected by corporate governance and bank size.

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