Do Banks Shift Asset Portfolios in Compliance to Global Capital Adequacy Regulations?: Evidence from India

2017 ◽

pp. 260-278

Keyword(s):

Financial Stability ◽

Capital Adequacy ◽

Basel Iii ◽

Global Capital ◽

Recent Developments ◽

Global Initiatives

With Basel III regulations having been introduced as a means of consolidating the risk based capital adequacy framework, regulatory and global initiatives are constantly still being undertaken – amidst indications of negotiations directed at Basel IV. This chapter is aimed at highlighting recent developments in the global quest to facilitate regulatory and financial stability.

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Global Capital, Human Needs and Social Policies

10.1057/9780230289093 ◽

2000 ◽

Cited By ~ 51

Author(s):

Ian Gough

Keyword(s):

Social Policies ◽

Global Capital ◽

Human Needs

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What Drives Global Capital Flows?

10.1057/9780230627291 ◽

2006 ◽

Author(s):

Brendan Brown

Keyword(s):

Capital Flows ◽

Global Capital

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PENGARUH FAKTOR-FAKTOR INTERNAL PERBANKAN TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH

Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen ◽

10.32477/jrm.v6i2.353 ◽

2019 ◽

Vol 6 (2) ◽

pp. 115-130

Author(s):

Eka Ambara Harci Putranta ◽

Lilik Ambarwati

Keyword(s):

Linear Regression ◽

Multiple Linear Regression ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Annual Reports ◽

Regression Methods ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Independent Variable

The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant negative effect, Total assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile FDR does not affect NPF.

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Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽

10.32546/lq.v2i1.125 ◽

2018 ◽

Vol 2 (1) ◽

pp. 13-20

Author(s):

Amrizal Amrizal

Keyword(s):

Annual Report ◽

Capital Adequacy ◽

Average Increase ◽

Return On Assets ◽

Return On Equity ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

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The Systemic Effects of Prudential Regulation Toughening:The Results of a Stress-test for Russian Banks

Voprosy Ekonomiki ◽

10.32609/0042-8736-2012-8-4-31 ◽

2012 ◽

pp. 4-31 ◽

Cited By ~ 1

Author(s):

M. Mamonov ◽

A. Pestova ◽

O. Solntsev

Keyword(s):

Financial Services ◽

Banking Sector ◽

Stress Test ◽

Credit Market ◽

Capital Adequacy ◽

Government Support ◽

Government Ownership ◽

Prudential Regulation ◽

The Government ◽

The Stability

The stability of Russian banking sector is threatened by three negative tendencies - overheating of the credit market, significant decrease of banks capital adequacy ratios, and growing problems associated with banks lending to affiliated non-financial corporations. The co-existence of these processes reflects the crisis of the model of private investments in Russian banking sector, which was observed during the last 20 years. This paper analyzes the measures of the Bank of Russia undertaken to maintain the stability of the banking sector using the methodology of credit risk stress-testing. Based on this methodology we conclude that the Bank of Russias actions can prevent the overheating of the credit market, but they can also lead to undesirable effects: further expansion of the government ownership in Russian banking sector and substitution of domestic credit supply by cross-border corporate borrowings. The later weakens the competitive positions of Russian banks. We propose a set of measures to harmonize the prudential regulation of banks. Our suggestions rely on design and further implementation of the programs aimed at developing new markets for financial services provided by Russian banks to their corporate and retail customers. The estimated effects of proposed policy measures are both the increase in profitability and capitalization of Russian banks and the decrease of banks demand for government support.

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Basel III: In quest for criteria and scenarios of the banking regulation reform advancement

Voprosy Ekonomiki ◽

10.32609/0042-8736-2016-2-77-93 ◽

2016 ◽

pp. 77-93 ◽

Cited By ~ 1

Author(s):

E. Dzhagityan

Keyword(s):

Financial Regulation ◽

Cost Optimization ◽

Spillover Effect ◽

Regulatory Reform ◽

Banking Regulation ◽

Capital Adequacy ◽

Basel Iii ◽

Eurasian Economic Union ◽

Downward Pressure ◽

Crisis Recovery

The article looks into the spillover effect of the sweeping overhaul of financial regulation, also known as Basel III, for credit institutions. We found that new standards of capital adequacy will inevitably put downward pressure on ROE that in turn will further diminish post-crisis recovery of the banking industry. Under these circumstances, resilience of systemically important banks could be maintained through cost optimization, repricing, and return to homogeneity of their operating models, while application of macroprudential regulation by embedding it into new regulatory paradigm would minimize the effect of risk multiplication at micro level. Based on the research we develop recommendations for financial regulatory reform in Russia and for shaping integrated banking regulation in the Eurasian Economic Union (EAEU).

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