scholarly journals Importance and features of the deposit policy of my commercial banks

2021 ◽  
Vol 1 (1) ◽  
pp. 22-29
Author(s):  
Sama Huseynova ◽  
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
The Real ◽  
Banking Policy ◽  
Economic Expediency ◽  
Available Resources

The deposit policy of a commercial bank must meet the following requirements; economic expediency; competitiveness; lack of internal contradictions. When looking at the essence of the deposit banking policy, it is necessary to touch upon such issues as the objects and subjects of the deposit policy, the real principles of its formation, the boundaries of the deposit policy. In practice, the deposit policy of any commercial bank includes the following elements: customers, government and commercial entities. The savings policy is aimed at lending temporary free funds to creditors, as well as the ability of commercial banks to make efficient use of available resources for active operations. As part of these measures, any bank must take into account the specifics of all types of deposits used. The main feature of the deposit policy here is that the initiative in transactions does not belong to the bank, but to the customer, and therefore it is impossible to manage the operations entirely by the bank.

DEVELOPMENT OF A COMPREHENSIVE METHOD FOR EVALUATING THE ACTIVITIES OF A COMMERCIAL BANK

2020 ◽  
Vol 2 (10) ◽  
pp. 11-18
Author(s):  
I. I. GLOTOVA ◽  
◽  
E. P. TOMILINA ◽  
S. A. BUKHANTSOV ◽  
◽  
...  
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Time Lag ◽  
The Real ◽  
Comprehensive Method ◽  
Integrated Methodology ◽  
Qualitative Characteristics ◽  
Practical Recommendations ◽  
Assessment Results

A large number of economists are engaged in the problem of assessing the activities of commercial banks, but not all methods objectively reflect the picture of the bank's performance in the absence of a number of important quantitative and qualitative characteristics in them. The integrated methodology for assessing the activities of a commercial bank obtained during the research is able to eliminate the imbalance between the interests of potential users of the assessment results and contributes to the development of practical recommendations of a point nature without a time lag and a gap between the real course of events and the appraiser's subjectivity.

scholarly journals Theoretical views of the deposit policy of commercial banks

2020 ◽  
Vol 1 (1) ◽  
pp. 72-78
Author(s):  
Sama Huseynova ◽  
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Real Income ◽  
Financial Conditions ◽  
Banking Policy ◽  
The Impact ◽  
Legal Entities

The deposit policy of a commercial bank is nothing but the tactics and strategy of collecting funds from individuals and legal entities on a repayable basis. The deposit policy for any commercial bank is an integral part of the overall banking policy, must not be considered separately, the impact and interrelation of all elements of banking policy should also be taken into account. Operations carried out in commercial banks for the purpose of attracting funds, subsequent placement and real income are called passive operations of a commercial bank. The quantity and quality of both passive and active operations of commercial banks are closely related to the financial conditions of other businesses.

Analisis Kinerja Keuangan Bank Umum Syariah Melalui Pendekatan Islamicity Performance Index

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Safaah Restuning Hayati ◽  
Mutiah Hanifah Ramadhani
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Performance Index ◽  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Descriptive Research ◽  
Index Approach ◽  
Principles Of Justice ◽  
Quantitative Descriptive

This study aims to determine how the financial performance of Islamic commercial banks in Indonesia through the islamicity performance index approach for the period 2013-2017, by the principles of justice, halalness, and purification. This study using quantitative descriptive research. The number of banks sampled are five Islamic commercial banks in Indonesia that have been selected, through a purposive sampling technique first. These banks are BRI Syariah, BNI Syariah, Mandiri Syariah, BCA Syariah, and Victoria Syariah. The type of data used is secondary data taken from the financial statements of each islamic commercial bank that is sampled. Through the islamicity performance index approach, the results of this study indicate that the financial performance of islamic commercial bank is unsatisfactory, based on the average of the variables that have been processed in accordance with predicate valuation standards.

Determinants of commercial bank loan and advance disbursement: the case of private Ethiopian commercial banks

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tekeste Birhanu ◽  
Sewunet Bosho Deressa ◽  
Hossein Azadi ◽  
Ants-Hannes Viira ◽  
Steven Van Passel ◽  
...  
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Inflation Rate ◽  
Bank Loans ◽  
Bank Loan ◽  
Portfolio Investment ◽  
Negative Effects ◽  
Content Type ◽  
Lending Rate

PurposeThis paper aimed to investigate the determinants of loans and advances from commercial banks in the case of Ethiopian private commercial banks.Design/methodology/approachThe study randomly selected seven commercial banks to represent the population stratified on their asset, deposit and paid-up capital amounts. The study utilized an unbalanced panel data model as each bank started operation at a different period of time and considered the period 1995–2016 for secondary details.FindingsThe findings showed that the deposit size, credit risk, portfolio investment, average lending rate, real gross domestic product (GDP) and inflation rate had significant and optimistic effects on the lending and advancement of private commercial banks. On the contrary, liquidity ratio had significant and negative effects on private commercial bank loans and advances. Finally, the study forwarded a feasible recommendation for concerned organs to focus on deposit size, credit risk, portfolio investment, average lending rate, real GDP, inflation rate and liquidity ratio. The results of this study will help banking industry policymakers and planners understand how to minimize inflation and unemployment by improving development and sustainable economic growth.Originality/valueThe findings of this study can also affect the general attitudes of a society by increasing knowledge and improve the quality of life for the general public.

Commercial Banks Credit and the Performance of Real Sector in Nigeria: 1990-2017

2020 ◽  
pp. 1-15
Keyword(s):  
Central Bank ◽  
Commercial Banks ◽  
Agricultural Sector ◽  
Manufacturing Sector ◽  
Bank Lending ◽  
Real Sector ◽  
Agricultural Credit ◽  
The Real ◽  
Scientific Discussion ◽  
The Cost

The study examined the arguments and counterarguments within the scientific discussion on commercial banks credit and the performance of real sector in Nigeria. The main objective of the study is to examine the effect of commercial banks credit on the performance of the real sector in Nigeria.Data was sourced from Central Bank of Nigeria Statistical Bulletin. A systematization literary approach for data analysis was Regression Analysis. Findings revealed that bank credit and bank lending rate does not have significant impact on real sector performance in Nigeria. It was showed that there was a positive and significant relationship between agricultural credit guarantee scheme fund and agricultural production in Nigeria. The study therefore recommends that banks should be directed to channel their credits towards the real sector to facilitate overall economic growth and development in Nigeria. It was recommended that there is the need policies that will favor the revamp of the agricultural sector in Nigeria should be given pride of place. Also, monetary authority through the Central Bank of Nigeria should create adequate policies and strategies towards deepening of the financial sector and reducing the cost of credit/loans so as to enhance productivity and consequently enhance the growth of the key sectors of economy such as manufacturing sector.

scholarly journals DEPOSIT BASE OF COMMERCIAL BANKS AND WAYS OF STRENGTHENING IT

2018 ◽  
Vol 2 (5(17)) ◽  
pp. 49-52
Author(s):  
Zunnunova Khulkar Mukhtorovna
Keyword(s):  
Commercial Bank ◽  
Commercial Banks

The purpose of this topic is to study the deposit base, ways to increase them to increase the active operations and income of a commercial bank.

scholarly journals PENGARUH FAKTOR INTERNAL DAN FAKTOR MAKROEKONOMI TERHADAP STABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018

2020 ◽  
Vol 7 (11) ◽  
pp. 2062
Author(s):  
Dian Rizqi Lestari ◽  
Noven Suprayogi
Keyword(s):  
Panel Data ◽  
Gross Domestic Product ◽  
Interest Rates ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Annual Report ◽  
Domestic Product ◽  
Z Score ◽  
Score Method ◽  
Size Efficiency

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh ukuran bank, efisiensi, capital buffer, PDB, Inflasi, dan suku bunga terhadap tingkat stabilitas Bank Umum Syariah di Indonesia periode 2012-2018. Penelitian ini menggunakan data panel dan metode z-score dalam mengukur stabilitas. Data diambil dari website resmi Badan Pusat Statistik (BPS) dan annual report masing masing bank umum syariah. Hasil penelitian ini menunjukkan variabel ukuran bank (size), efisiensi, capital buffer, PDB (Produk Domestik Bruto), inflasi dan suku bunga (BI rate) secara simultan memiliki pengaruh yang signifikan. Kata Kunci: Stabilitas, Bank Umum Syariah, ukuran bank, efisiensi, capital buffer, PDB, Inflasi, suku bunga ABSTRACTThis study aims to determine the effect of bank size, efficiency, capital buffer, GDP, inflation, and interest rates on the level of stability of Sharia Commercial Banks in Indonesia for the period of 2012-2018. This study uses panel data and z-score method in measuring stability. This study used data obtained from the official website of the Central Statistics Agency and the annual report of each Islamic commercial bank. The results of this study indicate that the variable of bank size, efficiency, capital buffer, GDP (Gross Domestic Product), inflation and interest rates (BI rate) simultaneously have a significant effect.Keywords: Stability, Sharia Commercial Banks, bank size, efficiency, capital buffer, GDP, inflation, and interest rates

scholarly journals ANALISIS PERBEDAAN RASIO KEUANGAN BANK UMUM KONVESIONAL DAN BANK UMUM SYARIAH SERTA PENGARUHNYA TERHADAP PENYALURAN KREDIT ATAU PEMBIAYAAN (Studi empiris yang tedrdaftar di BEI periode 2013-2016)

2017 ◽  
Vol 5 (1) ◽  
pp. 9-23
Author(s):  
Dika Ismawati ◽  
Edy Supriyono
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Operating Efficiency ◽  
Analysis Technique ◽  
Significant Difference ◽  
Negative Effect ◽  
General Data

This study aims to obtain evidence of differences in financial ratios of conventional commercial banks and sharia commercial banks, as well as the influence of financial ratios, liquidity, capital adequacy, problem loans, profitability, operating efficiency of lending. This study uses secondary data. The sample in this research is conventional commercial bank and sharia public bank listed on BEI with 4 year observation period (2013-2016). This sample was chosen by purposive sampling method. Independent sample t-test is used to test whether there is difference of average of two interconnected samples, multiple linear regression is used as data analysis technique as many as 148 general data of banking company, conventional bank and syariah commercial bank as many as 44 company data period 2013-2016 . The results of this study indicate that there are differences in average liquidity, problem loans, profitability, operating efficiency, While the average capital adequacy there is no significant difference between conventional commercial banks and sharia banks. While liquidity and profitability have a positive effect on lending, non performing loans and operating efficiency have a negative effect on lending, and capital adequacy does not affect credit disbursement.  

A study of the relationship between employee wage and commercial banks efficiency in China

2016 ◽  
Vol 7 (2) ◽  
pp. 147-159
Author(s):  
Jiangtao Li ◽  
Jianyue Ji ◽  
Yanxia Wang
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Calculated Data ◽  
Wage Structure ◽  
Tobit Regression ◽  
Bank Efficiency ◽  
Content Type ◽  
Per Capita ◽  
The Impact ◽  
The Relationship

Purpose Efficiency of a commercial bank affects both its competitiveness and the role it plays in the process of economic development. Although great efforts have been exerted in developing the various aspects of banking efficiency, there seems to be a lack of research on examining the impact of the bank efficiency from the employee wage perspective. The mechanism of how employee wage affects commercial bank efficiency and the relationship between the two were analyzed in this paper. Based on the growing body of research on efficiency in banking, the aim of this paper is to examine if competitiveness of employee wages at any commercial bank has any impact on the bank efficiency score. Design/methodology/approach The method used was quantitative analysis, which was based on comparing the evaluated efficiencies of the banks with employee wages published in the bank reports. The empirical data in this paper were based on 16 Chinese listed commercial banks from 2004 to 2012. The per capita wage of commercial banks was selected as the wage indicator, and the efficiency value obtained by the slack-based measure (SBM) model was selected as the efficiency indicator. According to the calculated data, the Tobit regression model was built to analyze the relationship between employee wage and commercial bank efficiency. Findings The research results show that employee wage is the key variable that influences the efficiency of Chinese commercial banks, and the inverted U-shaped relationship between employee wage and commercial banks efficiency shows up. Practical implications The wage structure data of the composition of basic pay and bonus were not available at the time of conducting the research. Per capita wages were used instead to reflect the employee wage levels of Chinese banks. Originality/value This study can provide some help for the banking industry by analyzing the wage levels from the perspective of efficiency and also further enriches the theoretical system of the relationship between employee wage and bank efficiency.

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