Bank Group Research Articles

International Financial Institutions and Their Role in Promoting the Stability of The Global Financial System

The study aims to substantiate the role of leading international financial institutions based on the analysis of their activities during the global and regional financial and economic crises. To achieve this goal, the following methods were used: comparison, generalisation, dynamic and structural analysis. The study analyses in detail the activities of international financial institutions, particularly the International Monetary Fund, the World Bank Group, and other regional financial organisations, aimed at overcoming the consequences of financial and economic crises (the Asian financial crisis of 1997-1998, the Global Financial Crisis of 2008-2009, and the COVID-19 pandemic crisis of 2020). Based on the analysis, the study summarises the main instruments, methods and approaches used by international financial institutions to promote financial stability. The study established that the main instrument is credit financing. To assess the significance of financial programmes, the amount of financial assistance was compared with the gross domestic product of individual countries that received such funding programmes. The study determined that the directions and conditions of such loan programmes differ depending on the organisation that provides them and the country that receives them. The study found that international financial institutions, particularly the IMF and World Bank Group, played a crucial role in stabilizing the global financial system during crises. The analysis of financial support, GDP growth, and inflation data highlights their impact. These findings are valuable for scholars and government officials in understanding the importance of international coordination in addressing economic crises.

Effectiveness of Regional Insurance Networks and the European Stability Mechanism

The article is dedicated to approaches to assessing the effectiveness of re- gional insurance networks in comparison with classic financial institutions established under the auspices of the UN – International Monetary Fund and World Bank Group. On the basis of the evolution of the anti-crisis tools of international financial organisations, the place of regional financial mechanisms (regional insurance networks) is analysed as a new form of debasement of financial imbalances of the region, mitigating certain shortcomings of the IMF anti-crisis regulation model. Close attention is paid to the taxonomy of the Regional Financial Arrangements (RFA) in terms of forming a resource base and directions of the use of funds, their integration into global safety networks. The European Stability Mechanism is understood as a specified form of the RFA, which has the largest resources, the possibility of attracting them on a market basis and an extended range of areas of use. The author used specially tailored criteria to assess the effectiveness of the RFA in terms of lock of crisis events at the regional level. It is concluded that the RFA can only partially be considered as a lender of last resort for a group of major states, while a special model of the functioning of the European Stability Mechanism allowed to solve the tasks of anti-crisis regulation in the EU.

Investigating Performances of Commercial Banks in the UK by Using Grey Relation Analysis

This study employs Grey Relational Analysis to assess the financial performance of commercial banks in the UK banking system. The main aim of the study is to identify influential indicators that have an impact on the banks’ performance. Identifying influential indicators helps banks determine strategies, capitalize on strengths, address weaknesses, and assure stakeholders of their resilience and profitability in dynamic markets. Using data from 2020 to 2022, five categories—profitability, interest ratio, liquidity and funds, asset quality, and capital adequacy—were analysed. This period was chosen to reveal the impact of Covid-19 on the performance of banks in the UK. Barclays plc consistently emerges as a top performer, showcasing robust financial management. Nationwide Building Society maintains stable performance with strengths in asset quality and funding. Lloyds Banking Group demonstrates stability with good profitability and capital adequacy. Santander UK plc exhibits fluctuating performance. NatWest Group plc shows moderate fluctuations, while HSBC Holding plc and Standard Chartered plc face specific challenges. According to the results of this study, Grey Relational Analysis (GRA) is a useful tool that aids strategic decision-making and risk management. It benefits the banking sector by supporting profitability, stability, and performance. Effective interest rate management is a significant factor in maintaining stability during market fluctuations. High asset quality strengthens bank performance, while efficient liquidity management is crucial for the sustained success of banks.

Effect of Loan Disbursement, Non-Performing Loan (NPL) and Current Account-Saving Account (CASA) Ratio on The Profitability of Digital Bank Listed on Indonesia Stock Exchange

Technological advances have brought updates to business processes and banking services in Indonesia, namely the birth of banks that provide digital-based services to customers or called Digital Banks. The development of this digital banking ecosystem is supported by the economic conditions that have recovered after COVID pandemic ended. Digital transformation has certainly encouraged the emergence of several Digital Banks that have become Game Changers in the financial services business by offering convenience in digital products and services. A number of Digital Banks have succeeded in becoming public companies, recording credit growth, managing the non-performing loan ratio, increasing the growth of third-party funds, especially for online savings products through the digital banking products offered, and increasing the profitability ratio. Objective of this research is to determine the effect of Loan disbursement, NPL and CASA (Current Account-Saving Account) Ratio on the Profitability of Digital Bank that listed on Indonesia Stock Exchange for the 2018-2024 research year. The population data used is go-public Digital Bank and the sample is Digital Banks that are included in the Bank Group category based on Core Capital 1 and 2. Secondary data that used in this research are quarterly and annual bank report which are available on websites of Indonesian Stock Exchange and Financial Services Authority.

Resettlement Implementation in Water Projects: A Case of Northern Collector Tunnel Murang'a County

Large-scale water projects threaten livelihood and disrupt communities due to demand for large tracts of land (Walelign & Lujala, 2022). Despite conducting social impact assessment, water projects carry unexpected twists that extend for years. This paper focused on Murang’a Northern Collector tunnel, Murang’a County in Kenya through an ex-post facto design with descriptive survey analysis. It described the impacts of resettlement restoration efforts in water projects. The total land affected by Phase 1 was about 10.766 acres disrupting around 657 people (World Bank Group, 2019). The study found that the affected persons were dissatisfied with the resettlement process. Stakeholders complained of delayed and insufficient compensation, lack of access to water in the project area, and limited public participation. A sample of 261 respondents was used to draw conclusions. The correlation coefficient for the study was R=0.886 with P<0.001, F=163.550, and adjusted R2=0.779. This indicated that the regression model was statistically significant and resettlement implementations contribute to variation in project outcomes. In examining the individual variables most of the participants disagreed or strongly disagreed they were satisfied with the process of resettlement. The paper proposed policy change, adequate multi-stakeholder engagement and harmonization of valuation for fair compensation of land acquired during projects and livelihood restoration.

Dengue virus importation risks in Africa: a modelling study.

Dengue is a significant global public health concern that poses a threat in Africa. Particularly, African countries are at risk of viral introductions through air travel connectivity with areas of South America and Asia in which explosive dengue outbreaks frequently occur. Limited reporting and diagnostic capacity hinder a comprehensive assessment of continent-wide transmission dynamics and deployment of surveillance strategies in Africa. In this study, we aimed to identify African airports at high risk of receiving passengers with dengue from Asia, Latin America, and other African countries with high dengue incidence. For this modelling study, air travel flow data were obtained from the International Air Transport Association database for 2019. Data comprised monthly passenger volumes from 14 high-incidence countries outside of Africa and 18 countries within the African continent that reported dengue outbreaks in the past 10 years to 54 African countries, encompassing all 197 commercial airports in both the source and destination regions. The risk of dengue introduction into Africa from countries of high incidence in Asia, Latin America, and within Africa was estimated based on origin-destination air travel flows and epidemic activity at origin. We produced a novel proxy for local dengue epidemic activity using a composite index of theoretical climate-driven transmission suitability and population density, which we used, in addition to travel information in a risk flow model, to estimate importation risk. Countries in eastern Africa had a high estimated risk of dengue importation from Asia and other east African countries, whereas for west African countries, the risk of importation was higher from within the region than from countries outside of Africa. Some countries with high risk of importation had low local transmission suitability, which is likely to hamper the risk that dengue importations would lead to local transmission and establishment of a dengue outbreak. Mauritius, Uganda, Côte d'Ivoire, Senegal, and Kenya were identified as countries susceptible to dengue introductions during periods of persistent transmission suitability. Our study improves data-driven allocation of surveillance resources, in regions of Africa that are at high risk of dengue introduction and establishment, including from regional circulation. Improvements in resource allocation will be crucial in detecting and managing imported cases and could improve local responses to dengue outbreaks. Rockefeller Foundation, National Institute of Health, EDCTP3 and Horizon Europe Research and Innovation, World Bank Group, Medical Research Foundation, Wellcome Trust, Google, Oxford Martin School Pandemic Genomics programme, and John Fell Fund.

The United Nations Sustainable Development Goal 13 Climate Action and Efforts of UK Banks Toward a Low Carbon Economy?

Banks are increasingly motivated to align their business operations with the United Nations Sustainable Development Goals (SDGs) as this can help them attract investors and build a more loyal customer base in the long run. This paper explores whether major UK banks (HSBC Holdings Plc, Lloyds Banking Group Plc, Barclays Plc, Standard Chartered Plc, and NatWest Group Plc) are increasing their involvement in green banking by transitioning away from fossil fuels. The research gathered expert and policymaker views on decarbonization (reducing carbon footprint) at the Scotland Policy Conference UK in 2022 to support its findings. The results reveal slow progress toward a green banking regime, as the banks continued underwriting fossil fuel IPOs and bond issuances, and funding carbon-intensive industries. Their portfolios primarily consist of fossil fuel projects, with implications for insufficient effort toward meeting UN SDGs related to global climate commitments. The study proposes a policy recommendation: governments should introduce regulations requiring banks to develop a minimum percentage of financial products and services designed to support SDG-related activities, fostering a low-carbon economy.

Supervisory cooperation and regulatory arbitrage

Abstract While bank supervisors frequently cooperate across countries, novel data on 268 cooperation agreements reveal that such cooperation falls short of covering the global operations of large banking groups. We show that this causes material regulatory arbitrage: banking groups allocate lending activities and risk into third-country subsidiaries when cooperation agreements cover their operations in other countries. The average distortion in a country’s foreign lending caused by regulatory arbitrage is 21 percent, with the effect being magnified in the presence of a weak supervisory framework. Taken together, our results indicate that incompleteness in cooperation substantially diminishes its global effectiveness.

Unlocking sustainability: exploring the nexus of green banking, digital transformation, and financial performance with foreign ownership moderation

The purpose of this research is to empirically test and analyze the impact of green banking, digital transformation, and asset quality on the financial performance of commercial banks with foreign ownership as a moderator. Additionally, it aims to test and analyze the financial performance of sustainable business practices for commercial banks. This study was conducted on commercial banks, specifically focusing on bank groups categorized by core capital levels 3 and 4, listed on the Indonesia Stock Exchange, covering the period from 2017 to 2022. This research employed a judgment sampling technique, encompassing a total of 47 conventional commercial banks. Panel data regression analysis, a data analysis technique, used three variables: the dependent variable, the independent variable, and the moderation variable. The research unveiled that green banking does not appear to have a significant positive impact on financial performance, whereas digital transformation shows a clear positive effect. Non-performing loans, a measure of asset quality, also affect financial performance. Additionally, foreign ownership strengthens the impact of green banking on the financial performance of commercial banks in Indonesia. However, foreign ownership does not enhance the effect of digital transformation. Finally, foreign ownership plays a moderating role in the relationship between asset quality and financial performance in these banks. Ultimately, financial performance has a significant positive influence on sustainable business, suggesting that stronger financial performance contributes to the long-term sustainability of a bank’s operations. The implications of these findings are, first and foremost, that financial institutions should prioritize incorporating sustainable and environmentally friendly practices into their operations to improve their overall financial performance and emphasize the critical role of digital transformation in enhancing financial performance. Consequently, financial institutions are required to allocate resources towards information technology infrastructure and cultivate digital capabilities to adapt to evolving customer demands, such as offering 24/7 banking services from any location. Secondly, financial institutions should not stay far away from digital disruption, but rather embrace it and adapt their strategies accordingly, which includes allocating an adequate budget for IT infrastructure investment and accessing digital services that meet the banking industry’s demands, resulting in effective communication of sustainable practices.

Evaluating and Improving Relative Efficiency The Banking Sector in Iraq Using Data Envelopment Analysis of The Output-Oriented VRS Model With Application

The banking sector is one of the important sectors in Iraq, and the last stage witnessed the emergence of several private banks in the competition market, and in order to determine the efficiency of existing banks, the resources available to government and private banks were analyzed and compared with two international banks to determine their efficiency ratios for the surveyed banks using data envelopment analysis, the research problem was diagnosed in the lack of interest in measuring the efficiency of banks by exploiting the resources available to maximize profits, the aim of the research is to determine the efficiency of the banks studied according to the direction of outputs and to conduct continuous analysis of the results in order to come up with recommendations that contribute to improving the banking sector. The research focused on the direction of increasing outputs with constant inputs in order to maximize returns. The( Deap2.1) data analysis program was used, and the research adopted data for 2022 to measure efficiency. For 22 banks operating in Iraq (governmental and private) and two banks outside iraq, the variable volume returns (VRS) model was used, and the most prominent results achieved were the achievement of banks The following banks (Rasheed, industrial, TBI, Al-Ahli, Asia, National,trans-Iraq, Jordanian capital, Lloyds Banking Group London) achieved high efficiency100% as they used their resources optimally. The investment bank achieved 90.8%, which is a good percentage, with the ability to benefit from the expertise of industrial and national banks, Jordanian capital, and Lubd's Banking Group London to reach 100% efficiency in 2022.

Shifting official development assistance during COVID-19: earmarking, donor concentration and loans

ContextIn contrast to bilateral aid, aid disbursed from multilateral institutions increased significantly at the onset of the COVID-19 pandemic. Yet, at a time when a coherent and effective multilateral response...

An economic evaluation of breast cancer interventions in Kenya

Cancer is the third leading cause of death in Kenya. Breast cancer is responsible for 3100 deaths annually. Quantifying the economic and social impacts of breast cancer supports inclusion of cancer care within Kenya's universal healthcare plan. Kenya's Ministry of Health led an economic cost-benefit analysis of expanding breast cancer prevention and treatment services. Three scenarios (early diagnosis only, screening with clinical breast exam (CBE-led), and screening with mammography (MG-led)) were modelled using an adapted version of a deterministic state-transition cohort simulation model jointly developed by the World Health Organization (WHO) and the International Agency for Research on Cancer (IARC) and maintained by Forecast Health. Real world evidence on the favorable stage-shift induced by each early detection scenario was used as model inputs. The model estimated the mortality benefits of favorable stage-shifting, and net financial costs and health and economic benefits in 2020 USD. Respectively, over 40 years, the cost to sustain early diagnosis programs only, CBE-led screening, or mammogram-led screening would require 1.4, 2.8, or 5.2 percent increases above current government health spending. All three strategies are economically efficient in the long run. Net economic benefits of expanded breast cancer care using clinical breast exam screening are $2.3 billion dollars (USD) over the next 40 years with 236,000 women's lives saved in Kenya. Mammographic screening provides net benefits of $1.9 billion (USD) with an additional 34,000 lives saved over 40 years compared to the CBE-led screening approach. Over 40 years, an early diagnosis-only strategy saves the fewest lives and has the lowest net benefit among the three strategies. We offer a novel economic evaluation for breast cancer prevention and care expansion within Universal Health Coverage in Kenya. It demonstrates the economic viability of providing those services in a low-middle income (LMI) context. The work was funded by the World Bank Group's Tackling Non-Communicable Diseases Challenges in Low- and Middle-Income Countries Trust Fund, supported by the Access Accelerated Partnership. This report was also partially financed by the Global Financing Facility for Women, Children and Adolescents (GFF). The GFF is a global multi-stakeholder partnership hosted at the World Bank that provides catalytic financing and technical support for safe and equitable delivery of essential health and nutrition services for women, children and adolescents, while helping countries to build more resilient health systems.

Assessing Dengue Virus Importation Risks in Africa: A Climate and Travel-Based Model.

Dengue is a significant global public health concern that poses a threat to Africa. Particularly, African countries are at risk of viral introductions through air travel connectivity with areas of South America and Asia that experience frequent explosive outbreaks. Limited reporting and diagnostic capacity hinder a comprehensive assessment of continent-wide transmission dynamics and deployment of surveillance strategies in Africa. This study aimed to identify African airports at high risk of receiving dengue infected passengers from Asia, Latin America and other African countries with high dengue incidence. The risk of dengue introduction into Africa from countries of high incidence in Africa, Latin America and within Africa was estimated based on origin-destination air travel flows and epidemic activity at origin. We produced a novel proxy for local dengue epidemic activity using a composite index of theoretical climate-driven transmission suitability and population density, which we used, along with travel information in a risk flow model, to estimate importation risk. We find that countries in East Africa face higher estimated risk of importation from Asia and other East African countries, whereas for West African countries, larger risk of importation is estimated from within the region. Some countries with high risk of importation experience low local transmission suitability which likely hampers the chances that importations lead to local transmission and establishment. Conversely, Mauritius, Uganda, Ivory Coast, Senegal, and Kenya are identified as countries susceptible to dengue introductions during periods of persistent transmission suitability. Our work improves data driven allocation of surveillance resources, in regions of Africa that are at high risk of dengue introduction and establishment, including from regional circulation. This will be critical in detecting and managing imported cases and can improve local response to dengue outbreaks. Rockefeller Foundation, National Institute of Health, EDCTP3 and Horizon Europe Research and Innovation, World Bank Group, Medical Research Foundation, Wellcome Trust, Google.org, Oxford Martin School Pandemic Genomics programme, John Fell Fund.

Effects of Table Banking on Socio-Economic Empowerment of Households in Turkana County, Kenya.

Table banking is a concept that has gained popularity in the recent past in Kenya. The aim of this type of informal banking is to enhance the socio-economic status of citizens, particularly those from poor areas of the country. However, measuring and tracking changes in the levels of socio-economic empowerment of households through table banking is not well documented, although it is becoming popular, especially among women groups in Kenya. The main objective of this study was to investigate the effects of table banking on the socio-economic empowerment of households in Turkana County, Kenya. The specific objectives were: to establish the effect of table banking financial accessibility, table banking awareness, table banking group participation, table banking group credit risks management strategies on socio-economic empowerment in Turkana County. The study is guided by the theory of change by Loiseau and Walsh 2015, vulnerable group theory of financial inclusion and public good theory of financial inclusion. The study adopted descriptive survey design where questionnaires were used to get primary data. Secondary data was used to validate the primary data collection. The study involved a sample of 398 members drawn using simple random sampling method from a population of 60,500 Table banking members from Kalobeyei ward, Kakuma ward in Turkana West Subcounty in Turkana County. A total of 398 questionnaires were administered with a return rate of 97.0%. The data collected was analysed using descriptive statistics. The study relied on Pearson’s correlation, linear regression and factor analysis to draw inferences from the responses. Statistical analysis was done with the aid of statistical package of social sciences (SPSS) software version 24. The findings of the study revealed a strong, positive and statistically significant relationship between access to finance and socio-economic empowerment of households. The findings of the study also showed a fairly, strong, positive and statistically significant relationship between table banking awareness on socio-economic of households. Besides, the findings revealed a very strong, positive and statistically significant relationship between Table banking and active group participation on socio-economic empowerment of women. The results of the study also revealed a very strong, positive and statistically significant relationship between table banking credit risk management strategies and socio-economic empowerment of women. According to the findings, this study recommends continuous, operative and thorough training of all groups involved in table banking to enhance their capacity in leading the groups and enhancing financial management capability and performance. Additionally, the study recommends creating a functional system for financial access through the use of several financial products at affordable prices, this focuses on government considering increasing the avenues and mechanisms for socioeconomic empowerment of women and special interest groups, especially in the rural areas. As shown in this study, findings provide evidence of active participating of women in the table banking compared to men involvement, based on this it will also be pivotal to further research the basis of men’s involvement in table banking and how affects their contribution to socio -economic empowerment at the household level.

Effect of Industrialization on Taxes from Income, Profit and Capital Gains Among Sub-Sahara African Countries

Tax revenue is a crucial financial resource for governments worldwide. Developed nations often secure ample tax revenue through robust industrial performance. In contrast, developing economies struggle with various challenges that hinder tax revenue from sources such as income, profit, and capital gains, largely due to high unemployment and inadequate industrialization. This study employed an ex-post facto research design and analyzed panel data from 38 countries over 21 years (2001–2021), sourced from the World Bank Group Database. The System Generalized Method of Moments (SGMM) analysis revealed that industrial performance significantly impacts tax revenue from income, profit, and capital gains in sub-Saharan African countries. The study concluded that advancing industrialization in sub-Saharan Africa is essential for maximizing tax revenue from these sources. It is recommended that governments in the region focus on accelerating industrial growth as a strategy to achieve sustainable tax revenue generation.

ESG Reporting of Commercial Banks in Poland in the Aspect of the New Requirements of the Directive on Corporate Reporting in the Field of Sustainable Development (CSRD)

For several years, commercial banks in Poland have been reporting activities related to the impact on the environment, society, and corporate governance (ESG). However, only new guidelines, mandatory for many entities, including banks, will allow for comparing these reports, which will be of great importance mainly for investors. The forms of these reports were and still are different, difficult to compare in individual years, and difficult to compare between banks. The article aims to present the banks’ preparation for the new reporting rules based on the latest ESG reports. The research was conducted in four groups of commercial banks operating in Poland. These are the largest companies listed in the WIG Banks sub-index of the Warsaw Stock Exchange. Gaps in the preparation of these banks for non-financial reporting were identified. The non-financial reports of the banks studied have significant information potential that can be used by various stakeholder groups, including investors, customers, employees, regulators, and local communities. However, the comparability of ESG reports is one of the key challenges faced by both reporting banks and users of these reports. The research results can be used both in scientific works and by bank representatives to improve non-financial reports.

The Influence of Loan at Risk and Bank Spesific Variables on The Profitability of Commercial Banking in Indonesia Based on Core Capital: Period 2015 to 2022

This research aims to examine the influence of loan at risk (LAR) and other specific bank variables, namely size, leverage, and capital, on the profitability of commercial banks in Indonesia based on the classification of core capital set by banking authorities. The study utilizes panel data regression with a balanced fixed-effect model from a sample of 67 examined commercial banks, both in aggregate and based on the core capital classification of each bank, covering the research period from 2015 to 2022. The results indicate that the credit asset portfolio with LAR quality significantly affects the profitability of commercial banks negatively, both in terms of ROA and ROE, applying to the entire group of commercial banks studied. Meanwhile, other specific variables have varying degrees of influence and significance. Collectively, the independent variables in all research models have a significant impact on the profitability of all commercial banks in Indonesia. The findings of this study can contribute to the reference for bank management and other stakeholders in assessing the profitability performance of commercial banks, as well as expanding the literature in the field of banking.

EXAMINING THE RELATIONSHIP BETWEEN TRADE OPENNESS AND ECONOMIC GROWTH IN ALGERIA USING SELF-REGRESSION OF DISTRIBUTED SLOWDOWN PERIODS (ARDL) DURING THE PERIOD 1980-2022

Objective: This research paper aims to try to measure the impact of trade openness on economic growth in Algeria during the period 1980-2022, and in order to achieve the objectives of the study, the standard approach was used through the use of the autoregressive model for distributed slowdown periods (ARDL) As for the study data, it was obtained from the World Bank Group of Statistics 2024. Theoretical Framework: The study relies on an attempt to familiarize himself with the various theoretical literature that analyzed the relationship between foreign trade liberalization and economic growth theoretically, in addition to trying to highlight previous applied studies that examined the relationship between these two variables, which we divided into studies that denied and studies that proved a relationship between economic growth and foreign trade liberalization. Method: the research is devoted to studying the relationship between economic growth and trade openness in Algeria during the period 2000-2022 in order to assert the type of relationship between the two variables. Result and discussion: The results of the study revealed a positive impact of trade openness on economic growth represented by GDP, in addition to the existence of a long-term equilibrium relationship between the variables of the study. Research Implication: The study of the subject of trade openness as a mechanism to achieve economic growth aims to understand the mechanisms of economic growth associated with the liberalization of foreign trade, analyze the effects of openness on the volume of trade exchange, exports and imports, and identify the factors affecting the achievement of economic growth through trade liberalization. As for Algeria the liberalization of foreign trade can drive economic development, improve the livelihood of the population, raise levels of economic performance and improve the quality of domestic goods that are forced to compete with sophisticated foreign goods. Originality/Value: This study analyzes the economic effects of foreign trade liberalization on economic growth in Algeria while trying to separate the results of previous studies applied to the Algerian economy on the nature of the actual relationship between these two variables.

Analisis Kinerja Keuangan Bank BUMN dan Bank Swasta Indonesia: Studi Komparatif

Purpose: This study assesses and compares the financial performance of state-owned and private banks in Indonesia from 2019 to 2021. This study focuses on evaluating key financial indicators to monitor the financial structure and efficiency of banking institutions continuously amid increasing competition in the banking sector. Methodology: This study utilizes several financial ratios and applies independent sample t-tests to analyze the financial performance of state-owned and private banks. The key ratios analyzed include (Equity to Total Assets Ratio), ECTAR (Equity to Customer Assets Ratio), IMAEAR (interest margin to average earnings assets ratio), LLCR (Loan Loss Coverage Ratio), DTCR (Debt to Capital Ratio), LDR (Loan to Deposit Ratio), and CAR (Capital Adequacy Ratio). Results: State-owned banks are financially weaker than private banks. Furthermore, there is no significant difference in the average financial performance of state-owned and private banks when measured using EATAR and ECTAR ratios. However, clear differences are observed between these two banking groups in terms of the IMAEAR, LLCR, DTCR, LDR, and CAR ratios. Limitations: This study is limited to the analysis of financial performance from 2019 to 2021, which may not fully capture long-term trends or the impact of external economic conditions, such as global financial crises or regulatory changes. Additionally, this study focuses only on a specific set of financial ratios. Contribution: This study contributes to the body of knowledge by providing a comparative analysis of the financial performance of state-owned and private Indonesian banks. It offers valuable insights for banking institutions, regulators, and investors on how financial performance differs across banking groups, highlighting areas where state-owned banks may need to improve their financial strength.

Анализ показателей российского финансового рынка

The financial market is a key factor in economic development, an important tool for the redistribution and transformation of investment resources, as well as a litmus test of the state's economic health. The peculiarity of the Russian financial market is its "youth" and "inexperience" in comparison with the markets of developed economies, the path of trial and error, inconsistency in the context of the uniqueness of the financial system of the Russian Federation. This market is particularly vulnerable and volatile in the face of sanctions and global economic turmoil, so it needs competent targeting guidance, effective tools and verified coordination methods and techniques. The fundamental problems of the Russian financial market are quite deep and do not always appear on the surface, which requires an in-depth and permanent tactical and strategic analysis of factors, causes, trends, trends and indicators that can correct the situation in a timely manner in any economic scenario in manual management. The article examines the main features, rallies, features and directions of the development of the financial market of the Russian Federation at the present stage. The analysis of the issuer's statements for 2005–2023, dividend payments for the same period is presented, the dynamics of growth of the segment of mutual funds and exchange-traded mutual funds is considered. A comparative structure of household financial assets in 2017 and 2023 is proposed, the share of different organizational and legal forms of joint-stock companies in the total number of joint-stock companies in 2019–2023, the share of different groups of banks in the value of assets of the Russian banking system in 2000–2023 is given. The final results of the study substantiate the importance of the role of the state as a regulator of the stock market, emphasize its Russian functions, and highlight its conceptual problems. The research is based on the analysis of foreign and Russian publications, as well as on statistical conclusions of financial and statistical data.