scholarly journals COVID-19 Pandemic and the Performance of Financial Firms in Nigeria

2021 ◽  
Vol 6 ◽  
Author(s):  
Onuorah Anastasia C ◽  
Alika Blessing ◽  
Okoh Ezekiel Oghenetega
Keyword(s):  
Financial Performance ◽  
Least Squares ◽  
Annual Report ◽  
Capital Adequacy ◽  
The Other ◽  
Ols Regression ◽  
Financial Firms ◽  
Capital Adequacy Ratio ◽  
The Impact ◽  
Research Budget

The impact of the COVID-19 pandemic on the performance and capital adequacy of Nigerian banks is explored in this article. The aim of the study was to see how the virus outbreak affects the performance and capital adequacy of Nigerian banks. For the purposes of this study, an actual post-research budget was used. The number of confirmed positive cases in Nigeria since 2020 is used as an indicator of the virus, with capital adequacy measured by capital adequacy ratio (CAR) and bank financial performance measured by the performance of assets (ROA). In one model, positive cases of the Covid virus were linked to the banks' CAR, while in the other, positive Covid cases were linked to the banks' ROA. Secondary statistics are included in CBN's annual report for the year ended 2020, to be released in 2021. Conventional least squares (OLS) regression estimates were used to analyze the data. . According to the results, the Covid pandemic has had a positive and significant effect on the capital adequacy of Nigerian banks. This can be seen in CBN’s announcement of a higher equity level for 2020 of 15.2%, up from 14.6% in 2019

scholarly journals Penerapan Manajemen Mutu Dalam Meningkatkan Kinerja Keuangan Bni Syariah Periode 2010 – 2017

2019 ◽  
Vol 6 (2) ◽  
pp. 83-106
Author(s):  
Galuh Gita Pratiwi ◽  
Nur S Buchori ◽  
Mustafa Kamal
Keyword(s):  
Quality Management ◽  
Financial Performance ◽  
Annual Report ◽  
Positive Impact ◽  
Capital Adequacy ◽  
Evidence Based ◽  
Management Quality ◽  
Capital Adequacy Ratio ◽  
The Impact ◽  
Evidence Based Decision Making

The aims of this reasearch is to know the impact implimentation of quality management to increase BNI Syariah financial performance. The methods used to measure financial performance in this study is to compare BNI Syariah financial ratios (capital adequacy ratio, rentability ratio, and liquidity ratio). As for the collection methode in this research is used interview and BNI Syariah annual report periode 2010 untill 2017. The result of this study is quality management applied to BNI Syariah has positive impact on the capital adequacy ratio and profability, especially ROA and ROE. As for the implementation of the management quality applied BNI Syariah in accordance with the principles TQM that proclaimed by ISO, namely the customer focus, leadership, enggagement of people, processing approach, improvement, evidence based decision making, and relationship management.

scholarly journals Effect of Capital Adequacy Ratio, Nonperporming Loan, Third Party Funds on Loan to Deposit Ratio in Private Commercial Banks in Indonesia Stock Exchange

2019 ◽  
Vol 13 (2) ◽  
pp. 153-164
Author(s):  
Nur Salma ◽  
Nur Salma
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Annual Report ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Third Party ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
The Impact

The study aims to analyze the impact of capital adequacy ratio, non-performing loan,   third party fund on loan to deposit ratio of the private banks in Bandar Lampung. The sample used in this research were obtained from six private banks in Bandar Lampung.  Data obtained based on financial statements Annual Report of Indonesia stock Exchange (IDX) from 2009 to 2014.  The method used in this research is the dependent variable and independent, multiple regression analysis and Classical Assumption. Variable used Capital Adequacy Ratio (CAR), Nonperforming Loan (NPL), and Third-Party Fund (DPK) on Loan to Deposit Ratio (LDR). Based on the result of the research showed that the F variable CAR, NPL, and DPK together influential significantly to Loan to Deposit Ratio. The Result of partial T-test CAR negatively influential and significant with significant value is 0.007. NPL is not positively influential and not significant on LDR with significant value is 0,277 while DPK has positive influential and significant value is 0,005. The value of Adjusted R Square the value is 0.266 showed that LDR can explain by variables research as big as 26,6 %, while the rest can be explained by other factors.

scholarly journals The impact of credit risk management on the financial performance of United Arab Emirates commercial banks

2021 ◽  
Vol 10 (3) ◽  
pp. 303-319
Author(s):  
Jamil Salem Al Zaidanin ◽  
Omar Jamil Al Zaidanin
Keyword(s):  
Risk Management ◽  
Financial Performance ◽  
United Arab Emirates ◽  
Commercial Banks ◽  
Positive Impact ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Capital Adequacy Ratio ◽  
Income Ratio ◽  
The Impact

The main purpose of this study is to measure up to what extent the independent factors defined by capital adequacy ratio, non-performing loans ratio, cost-income ratio, liquidity ratio, and loans-to-deposits ratio impact the financial performance of sixteen commercial banks operating in the United Arab Emirates using panel data for the period of 2013-2019. The secondary data was collected from banks and examined by applying standard descriptive statistics and the random effect model for hypothesis testing. It is concluded from the regression outcomes that non-performing loans ratio and cost-income ratio have a significant negative impact on commercial banks profitability in the United Arab Emirates, while capital adequacy ratio, liquidity ratio, and loans -to-deposits ratio all have a very weak positive relationship on the return on assets but they are not determinants of bank’s profitability due to the insignificant statistical impact on it. It is therefore suggested that to enhance financial performance and minimize the risk of non-performing loans in the future, banks must watch very carefully the loans’ performance and analyze thoroughly the clients’ credit history and ability to pay back their debts prior to any approval of loan applications. Furthermore, banks should continuously improve their assets utilization, liquidity, and techniques of managing operating costs, improve the impact of capital adequacy, and the use of deposits for lending activities from a weak positive impact to a significant positive impact on their profitability. The researchers recommend that future studies on credit risk management influence on banks’ financial performance should consider more independent variables and longer periods of study such as twenty or thirty years to have more accuracy and generalized results.  

scholarly journals Effects of Non-Performing Loan on Financial Performance: A Hypothetical Evaluation on All Scheduled Banks in Bangladesh

2021 ◽  
Keyword(s):  
Financial Performance ◽  
Unit Root ◽  
Unit Root Test ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Statistical Software ◽  
Independent Variables ◽  
Macroeconomic Factor ◽  
Capital Adequacy Ratio ◽  
The Impact

The goal of this study is to determine the impact of non-performing loans (NPLs) on the financial performance of all Bangladeshi listed banks. To accomplish so, the study analyzed data from the previous twenty-three years, from 1997 to 2019 in order to find out the effects of non-performing loan ratio (NPLR), capital adequacy ratio (CAR), inflation (INF) and provision maintenance ratio (PMR) on the return on asset (ROA). Researchers have attempted to investigate the primary cause of NPLs and their implications while taking into account a number of bank-specific characteristics as well as macroeconomic factor. The annual reports from Bangladesh Bank are considered for collecting data that has been examined through OLS and VAT models, along with Test of Heteroscedasticity, Test of Normal Distribution and also Unit Root Test by using STATA 11 (statistical software). By analyzing the OLS regression, it has found that all independent variables i.e. NPLR, CAR, INF and PMR are statistically noteworthy to explain the dependent variable i.e. ROA. Keywords: Non-performing Loans, Capital Adequacy, Provision, Inflation, Financial Performance

scholarly journals Good Corporate Governance And Financial Performance On Capital Adequacy Ratio: A Reflection Of Indonesian Conventional Banking

2021 ◽  
Vol 7 (2) ◽  
pp. 293-306
Author(s):  
Yuli Agustina ◽  
Agung Winarno ◽  
Ariska Dyan
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Using Data ◽  
The Impact

The purpose of this study is to determine the impact of good corporate governance, as well as financial performance as measured by non-performing loans, net interest margin, return on assets, and loan to deposit ratios, on the capital adequacy ratio of conventional banking in the period 2015-2019, using data from the Federal Reserve. The composite value of banking self-assessment is the indicator that was utilized to determine good corporate governance in the context of this study. The quantitative approach used in this study was combined with secondary data. Purposive sampling was used in this study to select a sample of 35 banks, which was then analyzed. The findings revealed that GCG, NPL, ROA, and LDR had no impact on CAR. This occurs because the revenues obtained by the bank are used to mitigate the bank's operational risk, and so have no effect on the bank's capital adequacy ratio (CAR). The NIM has a negative and statistically significant effect on the CAR. This is due to the fact that the NIM indicates that the quantity of loans granted is increasing, implying that the risk faced by the bank is also increasing.

scholarly journals Moderating Effect of Inflation on the Influence of Financial Performance on the Growth of Islamic Banking in Indonesia

2021 ◽  
Vol 1 (2) ◽  
pp. 124-143
Author(s):  
Abid Djazuli ◽  
Mister Candera
Keyword(s):  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
The Impact

Islamic banking is one of the financial institutions whose activities are financial intermediation between the owners of capital and those who need capital. This study was conducted to know and analyze the impact of inflation as a moderating influence of financial performance on the growth of Islamic banking in Indonesia. The financial performance used consists of return on assets (ROA), non-performing financing (NPF), net operating margin (NOM), capital adequacy ratio (CAR), financing to Deposit Ratio (FDR), and operating expenses for operating income (BOPO). The data used is secondary data, obtained from the results of financial reports published on the official website of the Otoritas Jasa Keuangan (OJK) from January 2015 to December 2019. The analysis results show that, in general, inflation cannot moderate the influence of financial performance on rbanking growth—Sharia in Indonesia. Inflation can only be a predictor of the effect of return On Assets and net operating margin on the growth of Islamic banking in Indonesia. Meanwhile, the variables of non-performing financing (NPF), capital adequacy ratio (CAR), financing to deposit ratio (FDR), and operating expenses for operating income (BOPO) are not able to be a moderator or as a predictor

scholarly journals Capital Adequacy and Financial Performance of Banks in Nigeria: Empirical Evidence Based on the Fgls Estimator

2016 ◽  
Vol 12 (25) ◽  
pp. 295 ◽  
Author(s):  
David Umoru ◽  
Joy O. Osemwegie
Keyword(s):  
Financial Performance ◽  
Empirical Evidence ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Evidence Based ◽  
Panel Model ◽  
Capital Adequacy Ratio ◽  
The Impact

The study examines the degree of significance of the capital adequacy ratio in influencing the financial deeds of Nigerian banks by applying the feasible GLS estimator technique on the pooled panel model for the period of 2007 to 2015. Empirical evidence supports the overriding impact of capital adequacy in enhancing the financial deeds of Nigerian banks. Nevertheless, the impact of the estimated capital adequacy is below 30%. The policy stance of the empirics holds thus that depositor’s money in the banking sector has not been absolutely assured. Hence, the deposit money banks might not be able to fulfil their liabilities and risk. In light of the findings, we suggested a constant reassessment of the least amount of capital required of banks by the CBN.

scholarly journals The Impact of Credit Risk on the Financial Performance of Chinese Banks

2017 ◽  
Vol 2 (3) ◽  
pp. 14-17 ◽  
Author(s):  
Juliana Stanley Isanzu
Keyword(s):  
Credit Risk ◽  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Nonperforming Loans ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Chinese Banks ◽  
The Impact

The study aim was to empirically examine the impact of credit risk on the financial performance of Chinese banks. Secondary data was collected from five largest commercial banks in the country for the period of 7 years from 2008 to 2014. The study used nonperforming loans, capital adequacy ratio, impaired loan reserve, and loan impairment charges as measures of credit risk and for a measure of financial performance return on asset was used. Data analysis was done using a balanced panel data regression model, and the study findings reveal nonperforming loan and Capital adequacy have a significant impact of on financial performance of Chinese commercial banks; therefore, the need to control credit risk is crucial for bank financial performance.

scholarly journals Financing Type And Sustainability Reporting: Financial Performance As Mediating Variable

2020 ◽  
Vol 12 (1) ◽  
pp. 34-45
Author(s):  
Falikhatun Falikhatun ◽  
Salamah Wahyuni ◽  
Milananda Ainun Niswah ◽  
Afifah Oki Nilasakti
Keyword(s):  
Financial Performance ◽  
Sustainability Reporting ◽  
Capital Adequacy ◽  
The Other ◽  
Annual Reports ◽  
Islamic Banking ◽  
Performance Variable ◽  
Independent Variables ◽  
Capital Adequacy Ratio

The research aims to examine the effect of financing types on sustainability reporting with financial performance as a mediating variable. The independent variables in this research are Murabahah Musyarakah, and Mudharabah, while the mediating variable in this research is financial performance measured using Capital Adequacy Ratio (CAR) as a proxy. The Population of this research is Islamic Banking listed in statistical of Otoritas Jasa Keuangan Indonesia and published sustainability reporting and annual reports for the 2014-2017 period. The result of this study concluded that Financing Type proxied with Murabahah financing affects financial performance (CAR), and financial performance (CAR) also affects the Sustainability Reporting. The other proxies of financing type (Musyarakah and Mudharabah) do not affect financial performance. This study also concluded that financial performance variable mediates the effect of Financing type (Murabahah) on Sustainability Reporting. 

scholarly journals Pengaruh Credit Risk Management Pada Financial Performance Bank Konvensional Yang Terdaftar di BEI

2021 ◽  
Vol 26 (3) ◽  
pp. 447
Author(s):  
Ervina, Vivi N. Fatimah, H.S.Lestari
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
The Impact

The purpose of this study is to analyze the impact of credit risk management on the financial performance of Indonesian conventional banks in 2016-2020. The sample in this study was 32 conventional banks from 160 observations using purposive sampling technique and secondary data. The dependent variable in this paper is measured by profitability using the return on assets proxy while credit risk management as an independent variable. From the research results, LDR and NPLR have no effect on financial performance. CAR has a positive influence on financial performance so that bank managers are expected to be able to maintain their capital adequacy ratio in accordance with the provisions set by Bank Indonesia to maintain their financial performance because a high capital adequacy ratio is considered safe and tends to meet its financial obligations, while CIR and LDR negative effect on financial performance. By increasing the ratio of costs to income indicates a low level of efficiency in banking operational costs, and low liquid assets will increase cash reserves to reduce liquidity risk. Investors can invest their funds in banks that have a high capital adequacy ratio, cost of income ratio and liquidity ratio to avoid financial risk.

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