• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.75-81
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• 2020

This study aims to empirically test the effect of liquidity and adequacy on bank performance through interest rate risk and credit risk. Capital adequacy and liquidity are variables that can affect the ups and downs of opinion, where the bank's performance in this study is the dependent variable. Good credit distribution can minimize the occurrence of defaults. This study uses banking companies in Indonesia that are listed on the Indonesian stock exchange, with a total number of 43 banking companies, this study however, uses only 30 companies ranging from years 2014 to 2019, primarily due to the availability of the limited data. The data analysis techniques used in this study is PLS-SEM with the WarpPLS application. The research results show that capital adequacy and liquidity has a positive effect on bank performance, interest rate risk and credit risk can mediate capital adequacy on bank performance, interest rate risk can mediate liquidity on bank performance, and interest rate risk has a positive effect on bank performance. However, credit risk can't mediate liquidity on bank performance and credit risk does not have a positive effect on bank performance. This is in line with the commercial loan theory, shiftability theory and the doctrine of anticipated income, which explains how best to give credit, both in longer and the shorter term.

• 동아시아경상학회지
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• 제3권3호
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• pp.1-13
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• 2015

The purposes of this research are to develop a measurement of Islamic religiosity and applying these measurements to examine the relationship between religiosity and selection of the Islamic bank. Literature searches and in -depth interviews are used to obtain the statement item to build measurement. Furthermore, result of the religiosity measurement will be used to study the relationship between religiosity and the selection of the Islamic bank. Population of the study is Muslim who has bank(s) account. A total 375 questionnaires were distributed to the three groups of bank customers (125 respondents in each group). This res earch has successfully developed a measurement of religiosity, which is called Islamic Religiosity Scale (IRS). On the one hand, the study indicate that religiosity plays a significant role on the decision of customers to choose Islamic banks, because the degree of religiosity of Islamic bank customers is higher than conventional bank customers. Nevertheless, on other hand, this study also revealed that religiosity is not the only factor that influences customers to selecting the Islamic banks, because the degree of religiosity of Islamic bank customers do not differ significantly with customers who hold accounts in both bank.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.1101-1111
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• 2021

The current study aims to investigate the influence of different categories of ownership held by different types of board members on bank performance. The study uses a sample of Saudi listed banks for the period from 2011 to 2018. The results of the panel data analysis using firm fixed-effects regression model indicate that bank performance is significantly and positively affected by the chairman ownership and the CEO ownership. However, board independent members' ownership has a negative influence on bank performance. While non-executive board members' ownership and family board members have an insignificant impact on bank performance. Control variables, including board size, non-executive board members, government ownership, leverage, and bank size are significantly associated with bank performance. Overall, the results indicate that Saudi bank performance is higher in smaller banks that have smaller boards with lower non-executive members, lower portion of shares held by independent board members, higher portion of shares held by the chairman, CEO, and government, and higher leverage. The results of this study provide important implications for regulatory authorities and market participants in Saudi Arabia and countries with ownership concentration to understand the actual role of different categories of board ownership on firm performance in addition to optimize board ownership.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.319-329
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• 2021

The study examines the impact of bank-level factors like non-performing assets, capital adequacy, and insolvency risk on bank performance. This study employs a quantitative method with panel data regression. The data was taken from the annual financial statements of state-owned commercial banks and private commercial banks in Indonesia from 2015 to 2019 using a purposive sampling method with a total sample of 470 observations. The result of the study shows that non-performing assets (NPA) have a significant negative impact on bank performance. Capital adequacy has a significant negative impact on bank performance. Insolvency risk for a bank means it cannot repay its depositors because its liabilities are greater than its assets; therefore, it has a significant impact on bank performance. This study is expected to help banks to understand how to manage the risks they face and to maintain their performance. This study uses 'size' and 'age of bank' as control variables and for credit risk and insolvency risk, Z-Score is used.

• The Journal of Asian Finance, Economics and Business
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• 제9권6호
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• pp.23-32
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• 2022

This paper examines the effects of regulatory capital on a bank's profitability and risk. We employ annual data from Vietnamese commercial banks from 2005 to 2020 and use the dynamic GMM regression method to address the potential endogeneity issue, more suitable for panel data with relatively low time dimensions. Our panel regressions indicate that higher regulatory capital would significantly improve the bank's profitability and lower the bank risks. In particular, a one percent increase in the regulatory capital would significantly increase the bank's return on assets by 1.9%. We further explore the heterogeneous impacts of regulatory capital on the Vietnamese bank's performance across bank characteristics. We find that smaller, non-state-owned and non-listed banks would benefit from stringent regulatory capital requirements. The improvements in bank performance are mainly driven by reductions in the risk premium of the banks, resulting in lower funding costs and higher profitability. These findings are essential since Vietnam, as an emerging market, has only implemented the Basel II reform recently on a stable and fast-growing background rather than as a reaction to the global financial crisis. Thus, our empirical results support stringent regulatory capital in emerging countries to ensure a stable banking sector and boost economic growth.

• The Journal of Asian Finance, Economics and Business
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• 제9권3호
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• pp.43-51
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• 2022

This paper examines the main factors affecting the bank performance under the Basel II implementation in Vietnam, a transitional economy in Asia. We pay special attention to the implementation duration of the Basel II convention and how it affects profitability. Thereby, we can evaluate the effectiveness of Basel II in the whole system according to the roadmap to 2020. We employ the panel data regression method to analyze a sample of 300 bank-year observations from 25 commercial banks during the 2008-2019 period. Our empirical findings show that the size of the bank, net interest margin, state ownership, and Basel II convention have positive effects on bank profitability. However, our empirical findings indicate that bank age and branch number negatively reduce bank performance. Finally, our results indicate that commercial banks earn extra profit from delaying the implementation of Basel II. However, commercial banks will encounter higher credit, and operational risks arising from delaying the implementation of Basel II standards. Therefore, our study contributes to the insights into the bank's management to enhance profitability, especially after implementing Basel II in a transitional economy. Finally, our study also provides policy implications for bank managers and banking supervisory to maintain the sustainable development of the banking system.

• Spatial Information Research
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• 제5권1호
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• pp.11-26
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• 1997

본 논문은 제2의 금융중심지로 부상하고 있는 강남구를 사례로 GIS 기법을 활용하여 은행점포의 입지를 분석하였다. 금융자율화 이후 급격한 증가추세를 보이고 있는 은행점포의 수는 상당한 지역적인 편재현상을 나타내고 있다. 통계기법을 활용하여 은행 입지에 영향을 주는 입지요인을 추출하였고, 은행이용 고객들에 대한 설문조사를 통하여 은행점포의 상권을 조사하였다. 이러한 기초자료를 바탕으로 하여 GIS기법을 활용하여 입지분석을 실시하였다. 먼저 은행이용고객들에게 최적의 서비스를 공급할 수 있는 목적함수를 토대로한 입지-배분 모델을 적용하여 추출된 입지와 현재의 은행점포의 입지를 비교하였다. 또한 그리드 연산 기법을 활용하여 잠재 수요력과 잠재 공급력의 차이를 통해 앞으로 은행점포의 신규 설립이 가능한 지구를 추출하였다. 본 연구를 통해 GIS기법을 활용하여 입지분석을 실시하는 경우 제한점과 앞으로 해결되어야 할 문제점에 대해 논하였다.

• 상하수도학회지
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• 제17권4호
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• pp.487-494
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• 2003

In this research, water qualities of river water and bank-filtrate were compared for six months including winter season. The location studied was Galjon area, the downstream of the Nakdong river. The well for bank-filtrate was installed 40 m apart from riverside. Main analytic results of bank-filtrate and river water were summarized as followings; the average concentrations in bank-filtrate were turbidity 0.8NTU, TN 0.4mg/l, $BOD_5$, 0.1mg/l, $KMnO_4$ consumption 1.6mg/l, heterotrophic bacteria 350cfu/ml, Fe 0.5mg/l, Mn 0.99mg/l while the average concentrations in river water were turbidity 6.1NTU, TN 3.9mg/l, $BOD_5$, 3.6mg/l, $KMnO_4$ consumption 11mg/l, heterotrophic bacteria 1,640cfu/ml, Fe 0.28mg/l, Mn 0.04mg/l. Water quality of bank-filtrate was mostly shown a good results than it of river water excepting Fe and Mn. In even basic constituents such as water temperature and pH, bank-filtrate was very settled while river water was extraordinary changable and high. In case of nitrogen, especially, total nitrogen of river water was 3.9mg/l while it of bank-filtrate was 0.4mg/l and its reduction was very high. The reason is that $NH^+_4-N$ among total nitrogen in the river water is nitrified and then denitrified in soil layer when it is pumped up as bank-filtrate. But Fe and Mn caused by the characteristics of soil was very high in bank-filtrate while Mn in river water was particularly very low and settled. As the distance between riverside and well was longer, concentration of Fe and Mn may be went up while its bacteria may be reduced.

• 무역상무연구
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• 제37권
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• pp.107-130
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• 2008

The purpose of this study is to provide the guideline for the loss of documents relating to the delivery of documents under Letter of Credits transactions. If the documents are lost while in transit from the nominated bank to the issuing bank neither the nominated bank nor the issuing bank is liable as Article. 35 of the UCP600. Normally such matters are settled amicably between banks and problems are only likely to give rise to litigation where this cannot be done and the applicants does not want the goods or take delivery or sell them on because of the loss of documents. UCP 2007 Revision stated that a presentation is complying and forwards the documents to the issuing bank, whether or not the nominated bank has honoured or negotiated, an issuing bank must honour or negotiate, or reimburse that nominated bank. Accordingly, the applicant liable to the issuing bank for any damage sustained as a result of the loss of document. In such circumstance it might be possible to obtain a second(duplicate) set of documents that were sufficient to satisfy the applicant that the document were compliant and enable the applicant to obtain deliver of documents or comply with the terms of a sub-sale. If the applicant does not want the documents presented, no the less, the bank might find it difficult to prove that complaint documents had been presented and, subject to the terms of arrangement with the buyer, could be liable for damage sustained by the applicant as a result the loss of the documents.

• 대한지역사회영양학회지
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• 제11권5호
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• pp.618-628
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• 2006

The purpose of this study was to examine the donators' characteristics and donative foods of both government-dominant and non-governmental food bank program, to understand the problems and benefits of food bank program, and to find the solutions to activate food bank program. The questionnaires were distributed to 120 food bank operators and 3 donators were selected from each food bank for the survey from April 2002 to May 2002. 118 sheets (32.8%) from government-dominant food bank and 53 sheets (20.1%) from non-governmental food bank were collected. The main results of this study were as follows: The largest donators to either government-dominant or non-governmental food bank programs were bakery and confectionery companies 31.4% and 45.3% respectively. The majority of donated foods were 'goods in stock' (55.6%) and frequency of donation were largely on a daily basis (27.1% for government-dominant and 22.6% for non-governmental). Some of the donators who had more donative food did not donate, and the reasons were closeness to expiration date of food (67.3%), lack of legal protection in the event of food poisoning (54.5%), and poor public image of food related accidents (52.3%).