scholarly journals Bank’s Regulatory Capital Buffer and Counter-cyclical Behavior - Empirical Analysis Based on China’s 18 Com- mercial Banks

2015 ◽  
Vol 2 (4) ◽  
pp. 7-16
Author(s):  
Jiaqian Liu
Keyword(s):  
Commercial Banks ◽  
Negative Relationship ◽  
Bank Capital ◽  
Regulatory Capital ◽  
Loan Loss ◽  
Loan Loss Provisions ◽  
Chinese Business ◽  
Significant Negative Relationship ◽  
Chinese Banks ◽  
The Relationship

This paper estimates the relationship between the Chinese business cycle and the regulatory capital buffers of China’s commercial banks, conducts empirical tests by using an unbalanced panel of 18 listed Chinese banks for the period 2005–2014. The results show that in China there is a robustly significant negative relationship between the economic cycle and bank capital buffers. Insignificance of coefficient of the total amount of loans shows that China’s commercial banks holding more capital buffer do not necessarily lead to a “credit crunch” phenomenon. Positive significant asset coefficient indicates the larger the size of the assets, the more inclined for China banks to hold more capital buffers, which is incompatible with “too big to fall” theory. The relationship between the loan loss provisions and capital buffers is not significant and this caused by Chinese commercial bank’s balance between the profit and cost perspective.

A Multi-Country Analysis of Bank Capital and Earnings

1998 ◽  
Vol 01 (02) ◽  
pp. 123-155 ◽  
Author(s):  
James R. Barth ◽  
Daniel M. Gropper ◽  
John S. Jahera
Keyword(s):  
Negative Relationship ◽  
The United States ◽  
Service Firms ◽  
Bank Capital ◽  
Global Marketplace ◽  
Return On Equity ◽  
Significant Negative Relationship ◽  
Country Analysis ◽  
Financial Service Firms ◽  
The Relationship

The purpose of this paper is to analyze the relationship between bank capital and earnings. However, because banks and other financial service firms are increasingly operating in a global marketplace, it is important to examine bank relationships beyond the borders of a single country. This paper, therefore, analyzes the relationship between bank capital and earnings employing a sample of 231 banks in ten Pacific basin countries and the United States. More specifically, following the lead of earlier research, the study examines the relationship between the capital-to-asset ratio and return-on-equity. The empirical results indicate that, contrary to the case of U.S. banks during the 1980s, a significant negative relationship exists between these two variables for the sample banks in the eleven countries in 1994. This relationship generally holds when various control variables, including both firm- and country-specific variables, are included.

scholarly journals Credit Risk and Profitability of Commercial Banks in Pakistan

2020 ◽  
Vol V (I) ◽  
pp. 75-89
Author(s):  
Sohail Farooq ◽  
Raza Muhammad Khan ◽  
Muhammad Akram Gilal
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Sufficient Evidence ◽  
Loan Loss ◽  
Loan Portfolio ◽  
Loan Loss Provisions ◽  
Bank Managers ◽  
Credit Portfolio ◽  
The Relationship

Credit risk in the credit portfolio of financial institutions has dented their profitability. This study examines the relationship between credit risk and profitability of commercial banks in Pakistan. For this purpose three performance measuresROA, ROE, and NIM are used by the study. To test the relationship and impact over the period 2006-2015 the study involved 28 commercial banks. During the period under investigation, the findings of the study reveal that credit risk, represented by loan loss provisions, has a meaningful effect on the profitability measures. The findings provide exciting insights into the influence of credit risk, besides other variables in the study, on the selected commercial banks profitability inside Pakistan, for bank managers, and foremost for policymakers. The study also has policy relevance in the form of providing policymakers sufficient evidence related to the presence of credit risk in the loan portfolio of the banking sector and the ways to overcome this chronic problem.

scholarly journals Consequence of loan loss provisions on earnings management behaviour: A study on the best African commercial banks

2017 ◽  
Vol 48 (3) ◽  
pp. 1-11 ◽  
Author(s):  
T. S. Desta
Keyword(s):  
Earnings Management ◽  
Commercial Banks ◽  
Financial Statements ◽  
Income Smoothing ◽  
Loan Loss ◽  
Global Finance ◽  
Accounting Data ◽  
Pairwise Correlation ◽  
Loan Loss Provisions ◽  
The Relationship

This study aimed at analysing the relationship between loan loss provision (LLP) and earnings management in the African commercial banks. The study selected the 11 banks among the 32 best commercial banks as identified by the Global Finance Magazine in 2014. These 11 banks are available online in the Bureau van Dijk Bankscope data and helped observe 10 years (2004-2013, of which 2003 is the base) financial statements, which accounts 34.38% of the 32 best banks. Accounting data derived from 11 years audited financial statements were used; 110 bank-year observations. A two stage panel regression, partial and pairwise correlation, and independent t-test were applied in order to analyse the relationship between the discretionary LLP (DLLP) and earnings management. Accordingly, the study found that loan to deposit (LD), return on asset (ROA), and earnings before tax and provision (EBTP) significantly influence the DLLP. Besides, banks with high premanaged earnings and well-capital more indulge in the DLLP. The study supports empirical findings on income smoothing and external financing hypotheses, but not the capital management hypothesis. Finally, further research on this topic is recommended, among others, by taking relatively large bank-year observations.

Benchmarking and crosschecking international banking economic and regulatory capital

2005 ◽  
Vol 13 (1) ◽  
pp. 65-79 ◽  
Author(s):  
John L. Simpson ◽  
John Evans
Keyword(s):  
Banking System ◽  
Performance Model ◽  
Capital Adequacy ◽  
Future Research ◽  
Informational Efficiency ◽  
International Banking ◽  
Regulatory Capital ◽  
Loan Loss ◽  
Banking Systems ◽  
Loan Loss Provisions

The purpose of this paper is to provide banking regulators with another tool to crosscheck the appropriateness and consistency of levels of capital adequacy for banks. The process begins by examining banking systems and focuses on market risks and the systemic risks associated with growing global economic integration and associated systemic interdependence. The model provides benchmarks for economic and regulatory capital for international banking systems using country, regional and global stock‐market generated price index returns data. The benchmarks can then be translated to crosschecking capital levels for banks within those systems. For analytical purposes systems are assumed to possess a degree of informational efficiency and credit, liquidity and operational risks are held constant or at least assumed to be covered in loan loss provisions. An empirical study is included that demonstrates how market risk and systemic risk can be accounted for in a benchmark banking system performance model. Full testing of the model is left for future research. The paper merely proposes that such an approach is feasible and useful and it is in no way intended to be a replacement for the current Basel Accord.

Incidental specialised vocabulary acquisition: a case of incidental medical terms acquisition from students’ perspective

2021 ◽  
Author(s):  
Elham Abdullah Ghobain ◽  
Keyword(s):  
Negative Relationship ◽  
Extended Period ◽  
Focus Group Discussions ◽  
Group Discussions ◽  
Medical Terms ◽  
Significant Negative Relationship ◽  
Post Test ◽  
Two Phases ◽  
The Relationship ◽  
Technical Terms

This study observes a particular group of students learning medical terms (MT) implicitly through studying medical subjects. That is, based on the policy followed in the context of the study, students shall not receive any deliberate terms instruction. This paper investigates their experiences and attitudes towards acquiring MT in such a situation. Students’ acquisition and proficiency, hypothesizing a positive relationship between the two constructs, are self-assessed through pre- and post-test surveys. The surveys included 114 and 95 students in each phase, respectively. Prior to the surveys, focus group discussions were conducted, according to which the questionnaire was developed. A statistical correlational Pearson test was done to examine the relationship between students’ proficiency and incidental terms acquisition. The results indicated a significant negative relationship between the two constructs tested. The study also tested the effect of time on increasing acquisition through conducting a paired independent t-test between the two sets of data. The results found that a more extended period was significant to incidental acquisition. Overall, through comparing the means, modes, and medians in the two phases (pre- and post-test), the findings reveal an increase in the students’ terms acquisition volume. However, students seem not to favour the approach and still advocate explicit instruction for technical terms.

scholarly journals Kecerdasan Emosi Dan Depresi Pada Mahasiswa Yang Sudah Menikah

2019 ◽  
Vol 6 (2) ◽  
pp. 146
Author(s):  
Azizah Fitriah
Keyword(s):  
Emotional Intelligence ◽  
Hypothesis Test ◽  
Negative Relationship ◽  
Field Research ◽  
Short Term ◽  
Significant Negative Relationship ◽  
Correlational Approach ◽  
The Individual ◽  
Married Students ◽  
The Relationship

Every human being will one day experience a tense period in the short term when facing known problems such as career pressures, family disputes or quarrels, material pressures, and personal despair, and we will think that this is depression, which is not is an important problem because it will resolve itself, but none of these fleeting conditions is depression. Good emotional intelligence can reduce aggression, especially in adolescents. Therefore, if emotions are managed successfully, the individual will be able to entertain themselves when overwritten by sadness, can release anxiety, moodiness or offense and rise quickly again from it all. This research is field research with a correlational approach, exploring the relationship between depression and emotional intelligence in married students. The results of the hypothesis test show that between emotional intelligence and depression in married students has a significant negative relationship (XY = -0.411; sig = 0.014 <0.05). This is in accordance with the data obtained from the SPSS 19 for Windows program, stating that r table 0.334 and r xy (r hit) -0.411, said to be significant if r xy = 0.411> r table = 0.334. In other words, the higher the emotional intelligence of students who are married, the lower the possibility of depression.

scholarly journals The relationship between inter-organizational trust and performance

2012 ◽  
Vol 60 (4) ◽  
pp. 89-98 ◽  
Author(s):  
Roman Fiala ◽  
Martin Prokop ◽  
Iva Živělová
Keyword(s):  
Structural Equation ◽  
Organizational Trust ◽  
Negative Relationship ◽  
Fit Indices ◽  
Supplier Performance ◽  
Significant Negative Relationship ◽  
Model Fit Indices ◽  
And Performance ◽  
Using Data ◽  
The Relationship

The article deals with an investigation of the relationship between inter-organizational trust and performance. Using data obtained in a questionnaire survey in 373 organizations with more than 20 employees with their seat in the Czech Republic, we found the relationship between inter-organizational trust and supplier performance, mediated by the level of conflict. Also, the statistically significant negative relationship between inter-organizational trust and costs of negotiation and the statistically significant positive relationship between supplier performance and perceived performance were confirmed. The hypothesis on the statistically significant relationship between inter-organizational trust and negotiating costs was not confirmed. The structural equation modelling technique was used in the calculations. The calculated model fit indices (CFI, NFI, NNFI) with values over 0.9 demonstrate a very good quality of the model.

scholarly journals Perfectionism and Writing Performance of Chinese EFL College Learners

2020 ◽  
Vol 13 (8) ◽  
pp. 35
Author(s):  
Lijing Lin
Keyword(s):  
Negative Relationship ◽  
L2 Writing ◽  
Parental Criticism ◽  
Linguistic Complexity ◽  
Personal Standards ◽  
Writing Performance ◽  
Significant Negative Relationship ◽  
College Learners ◽  
L2 Learning ◽  
The Relationship

In the second language acquisition domain, researchers have devoted tremendous efforts to studying the relationship between L2 learning and some socio-affective factors, such as anxiety, motivation, etc. However, little research has been done to examine whether and how perfectionism, a psychological trait, affects L2 learning and L2 performance. The present study aims to fill this gap and investigate the relationship between the level of perfectionism and L2 performance among Chinese EFL college learners. Two specific questions are raised: (1) What is the relationship between perfectionism and L2 writing performance in terms of linguistic complexity, accuracy, and fluency? (2) What is the relationship between the six dimensions of perfectionism (Concern over Mistakes, Personal Standards, Parental Expectations, Parental Criticism, Doubts about Actions, Organization) and L2 writing performance in terms of linguistic complexity, accuracy, and fluency? To answer these questions, forty second-year students from Guangdong University of Foreign Studies majoring in English participated in the present study. The participants were required to compose a piece of English argumentative writing on the online system and then complete a 35-item Multidimensional Perfectionism Scale online immediately. The collected data were then processed and analyzed through SPSS (v. 17). The results of the analysis revealed that: (1) one of the measures of syntactic complexity has a significant negative relationship with perfectionism; (2) Personal Standards, one of the six dimensions of perfectionism, has a significant negative relationship with the participants&rsquo; L2 writing performance; (3) both Parental Expectations and Parental Criticism are found negatively correlated with the fluency aspect of the writing performance and the relationships have a significant effect. The implications of the findings are suggested for pedagogy and L2 learning.

scholarly journals HUBUNGAN ANTARA EFIKASI DIRI DENGAN KECEMASAN MENGHADAPI PERTANDINGAN PADA ATLET DI SEKOLAH SEPAK BOLA APAC INTI

2019 ◽  
Vol 1 (3) ◽  
pp. 314-323
Author(s):  
Leni DarmaWanti ◽  
Margaretta Erna Setianingrum
Keyword(s):  
Correlation Coefficient ◽  
Self Efficacy ◽  
Negative Relationship ◽  
Sampling Technique ◽  
Male Students ◽  
Research Results ◽  
School Anxiety ◽  
Significant Negative Relationship ◽  
Correlational Method ◽  
The Relationship

This study aims to determine the relationship between self-efficacy with anxiety facing matches in athletes at the Apac Inti soccer school. Anxiety will arise when faced with something new such as facing a match. Athletes who master physical, technical, and good tactics, but if an athlete's mind is disturbed by excessive negative things, it can interfere with concentration and not optimal in the competition, causing athletes to feel anxious. The population in this study were 40 male students of Apac Inti aged 15-18 years. This research uses a quantitative correlational method with saturated sampling technique. Based on the research results obtained correlation coefficient (r) = -0.547; p <0.05 and it can be concluded that there is a significant negative relationship between self-efficacy with anxiety facing the match in athletes at Apac Inti soccer school.

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