Banks In Kuwait Research Articles

Multi-attribute perceptual fuzzy information decision-making technology in investment risk assessment of green finance Projects

Abstract In the investment risk assessment of green finance (GF) projects, the application of multi-attribute perceptual fuzzy information decision technology is taken as the main research object. With the promotion of the concept of environmental protection and the development of green economy, the investment risk assessment of GF projects has become more and more important. However, this requires dealing with a large amount of fuzzy information and multi-attribute decision problems, which is a big challenge for traditional decision techniques. Based on this background, a new decision model, intuitionistic fuzzy preference theory-based tomada de decisão interativa multicritério (IF-PT-TODIM), is adopted, which can better deal with fuzzy information and multi-attribute decision problems by taking two different choices as reference. By knowing the weight distribution of experts, the model can better assess the influence of various factors on the decision. In the research results, the calculated results of expert weights are 0.2796, 0.2221, 0.1914, 0.1328, and 0.1745, respectively, showing that each expert has different degrees of influence on decision-making. In addition, the application of IF-PT-TODIM model can effectively reduce the investment risk. Compared with national bank of Kuwait, systematic review, evolutionary algorithm, the improved method can reduce the risk of venture capital by 28.14, 15.47, and 11.05%, respectively. This result further confirms the advantage of the IF-PT-TODIM model in dealing with fuzzy information and multi-attribute decision problems. This study has practical implications for understanding and improving the investment risk assessment of GF projects. It not only provides a new decision model for risk assessment, but also provides an effective method to deal with fuzzy information and multi-attribute decision problems. This provides new ideas and methods for the risk management of GF projects and also provides a new perspective and reference for research in related fields.

Financial performance determinants in Kuwaiti banks: The influence of size, equity, and leverage

Financial performance determinants in Kuwaiti banks: The influence of size, equity, and leverage

Users’ Informativity and Effective Communication: The Banking Field in Kuwait

Purpose: This research examines the effective communication of financial reporting through the medium of the earnings conference within the Kuwaiti banking sector.Study design/methodology/approach: The study aims to explore the principal areas that users, particularly conference call participants, find relatively uninformative within financial statements. This research uses the theoretical framework of accounting communication developed by Brennan and Merkl-Davies (2018) and Merkl-Davies and Brennan (2017).Sample and data: This paper analyzes real-life inquiries users in the question-and-answer sessions of earnings conferences. The research further developed an analytical procedure to better understand communication effectiveness through the eyes of accounting users.Results: The thematic analysis of topical inquiries reveals various concerns regarding reported accounting information. Ambiguities include reported issues relating to provisions for credit losses, segment information, deposits and accounts items, and currency translation.Originality/value: This research contributes to user-centered accounting research and the limited number of studies investigating financial accounting-related problems via earnings conferences.Research limitations/implications: The research design and findings provide insights for the banking regulators to understand areas within financial statements that users find uninformative and lacking effective communication.

Role of Human Resource Management System in Gulf Bank of Kuwait

Role of Human Resource Management System in Gulf Bank of Kuwait

Structural Barriers to Accounting Users’ Interactions: A Critical Analysis of Earning Conferences

Emphasizing the cruciality of the communicative aspect of accounting, this research investigates the contextual setting within Kuwaiti banks’ earning conference Q&As and examines structural barriers that guide discourse but also hinder effective accounting communication. However, while prior accounting studies take the contextual structure of this discursive session for granted, this research uncovers and ultimately addresses the structural practices that hinder effective communication. The research employs a grounded theory approach and a content analysis method, via which it analyzes Kuwaiti banks’ quarterly earning conference transcripts (from 2018 to 2022) and reviews their annual reports. Four contextual barriers prevail: constraining accounting information users’ interactions by having textual enquiries in a verbal communication setting; ending the Q&As before reflecting on all accounting users’ concerns; having limited involvement from CEOs; and disregarding some language barriers. This research culminates in detailed recommendations for policy makers to enhance accounting communication.

Window dressing in the banking sector of an emerging economy: evidence from aggregate data

PurposeThis study aims to investigate window dressing as practiced by commercial banks in Kuwait, using monthly aggregate balance sheet data covering the period January 1993 to December 2017.Design/methodology/approachThis study applies the structural time series model to decompose an observed time series into unobserved components based on monthly data covering January 1993 to December 2017 on the consolidated balance sheet of commercial banks in Kuwait.FindingsThe empirical results indicate that Kuwaiti commercial banks indulge in upward window dressing to boost size and liquidity. This kind of behaviour is indicated by a statistically significant rise in assets under the control of banks in December, followed by a statistically significant decline in January. The operation is funded by borrowing, leading to a December rise and a January fall in foreign and other liabilities, which are also under the control of commercial banks.Originality/valueThis study uses a novel methodology to detect window dressing based on the seasonal behaviour of balance sheet items. This study suggests a unified framework for the motives, targets, types and consequences of window dressing and how they are related.

The relationship between career satisfaction and organizational commitment: evidence from the Kuwaiti banking sector

PurposeGrounded in social cognitive career theory (SCCT), this study aims to examine the influence of contextual factors on the relationship between career satisfaction and organizational commitment, within the banking sector in Kuwait.Design/methodology/approachThis study used a cross-sectional design analyzing a self-report questionnaire (N = 278).FindingsThis study investigates affective, normative and continuance commitment in relation to career satisfaction, within the banking sector in Kuwait. Findings indicate a positive relationship between career satisfaction and all of affective, normative and continuance commitment; although the relationship that appears to be the strongest is between career satisfaction and normative commitment.Research limitations/implicationsThe single site, cross-sectional approach is a limitation. The data were collected before the COVID-19 pandemic. Future research into career satisfaction and organizational commitment in different sectors is necessary and a replication of this study in a post-COVID context would also be valuable.Practical implicationsHuman resource development (HRD) policies in contexts such as Kuwait should prioritize career progression initiatives to enhance career satisfaction and contribute to increased organizational commitment. More attention is necessary to organizational HRD career planning and development policies and processes. Effective line manager development programs to equip managers to provide feedback and constructive performance management are recommended, as is the organizational provision of career counseling and guidance to support career development policies and processes.Originality/valueThis study combines the use of established constructs with an SCCT theoretical lends to contribute new theorization of the relationship between career satisfaction and organizational commitment in non-Western cultural contexts. It challenges assumptions in current theorization of the relationship between career satisfaction and commitment that privilege affective commitment over other dimensions.

The Influence of Human Resource Management in Banking

In this study, we examined how HRM practises in Kuwait's banking sector affected employees' affective, continuing, and normative organisational commitment Permanent, full-time, and part-time employees are available members managers and non-managers alike from The study included five organisations.Kuwait is dominated by large private banks. The link between these variables was investigated using both exploratory factor analysis (EFA) and hierarchical regression analysis. The findings revealed that, due to factors like culture and values, 50% of the variables agreed with prior study, while 50% of the variables did not. The findings have important ramifications for both the international trade and Kuwait's banking industry. Due to the fierce global competition, businesses are becoming more aware of the importance of HR. Furthermore, efficient One important source of competitive advantage that helps firms succeed is human resources. As a result, By utilising cutting-edge techniques like coaching, HRM is making investments in its people resources to help them grow abilities and improve organisational performance. In this essay, the impact of coaching on worker performance in Lebanon's banking industry is examined. By researching coaching creative and motivating intervening strategies that result in improved employee performance, It aims to close the market gap in Lebanon. This study examines how coaching influences employee creativity and motivation, which has an effect on employee performance, using a case study that is qualitative technique within an experimental framework.

Factors Influencing Customers Satisfaction in Kuwait Banking Sector

Factors Influencing Customers Satisfaction in Kuwait Banking Sector

A Linear Mixed Model Approach for Determining the Effect of Financial Inclusion on Bank Stability: Comparative Empirical Evidence for Islamic and Conventional Banks in Kuwait

Recently, financial inclusion and bank stability have gained attention among researchers, particularly since the 2008 global financial crisis. This study investigates how financial inclusion may have influenced bank stability given differences in banks’ structure based on operating principles (Islamic and conventional banks) during the period of 2003–2017, using Kuwait as a high-income economy case. The current paper assesses how bank stability responds to financial inclusion. This work adopts a Linear Mixed Model (LMM), which tracks variables over time while considering other time-invariant variables. The findings show that the adopted measures of financial inclusion, access and depth, are both significant and negatively related to bank stability. Furthermore, the results unveil a slight difference between the response of Islamic and conventional banks’ stability to the dimensions of financial inclusion. Additionally, the study concludes that the financial crisis had an inverse and significant impact on bank stability. However, the extent of the impact appears to have been greater on Islamic banks compared to their conventional counterparts. Based on this study, banking with more financial inclusion can improve stability if institutional quality in Kuwait is improved so that these banks can operate more efficiently.

Financial Performance of Conventional and Islamic Banks: Evidence From Covid-19

The COVID-19 pandemic had a devastating effect on the global economy, and Kuwait had its fair share. This study examines the impact of COVID-19 on the performance of banks in Kuwait. A pre-and post-COVID-19 statistical analysis was conducted between the largest conventional and Islamic banks in Kuwait. The correlation coefficient and analysis of variance are conducted at the 5% level of significance and 95% confidence level. Additionally, a comparative approach is adopted to ensure the proper analysis of the effect of COVID-19 on the performance of 10 banks in Kuwait. Findings reveal that the COVID-19 pandemic had a great impact on the profitability of the financial institutions in Kuwait; the COVID-19 pandemic did not have any negative effect on the performance of the stock prices of the banks in Kuwait.

The mediating role of technology innovation in the relationship between customer relationship management and customer loyalty, a case of Kuwaiti banking industry

This study examines the mediating role of technology innovation in the relationship between customer relationship management (CRM) and customer loyalty in Kuwait's local banks. The study also investigates the impact of CRM practices such as information sharing, customer involvement, knowledge management and technology based-CRM on customer loyalty in the Kuwaiti local banks. Using the convenience-sampling technique, 433 useful questionnaires were collected from the 460 distributed questionnaires in the survey. The collected data were analysed using AMOS to test the hypotheses that show a significant mediating effect of the technology innovation in the relationship between the CRM practices and customer loyalty. The study also identifies the significant or moderate impact of different CRM practices on customer loyalty in Kuwait's case of local banks. The discussion, implications and limitations and direction for future research have been discussed.

The State of Competitiveness in Kuwait Banking Sector

The aim of this study is to examine the competitiveness in the Kuwaiti banking sector for the period 2010 - 2020. The methodology of study assessed the degree of competition among nine national Kuwaiti banks using the Panzar and Rosse model, or the H statistic approach. The study assessed how close the banking sector in Kuwait is to perfect competition. It built a model for the revenues of the banking sector in Kuwait. The model considered various specifications that affect the banking sector’s performance like revenues, risk, deposits, and bank size. In addition, this study analyzed the major factors affecting this sector’s performance. Using the panel data methodology of estimation, the results revealed that the market structure for the banking sector in Kuwait is close to monopolistic competition. Though the banking sector in Kuwait is still in its development stages, the results provided a signal to policy makers regarding their policies. One main implication of the study is to keep strong competition among banks which requires maintaining the stability within the banking system.

Determinants of Financial Performance in the Banking Sector: A Case Study of Listed Kuwaiti Banks

This study explores the determinants of the profitability of banks listed on the Kuwaiti stock exchange, Boursa Kuwait. This study also investigates the financial performance of the listed Kuwaiti banks during the COVID-19 pandemic. The aim of this study is to examine the correlation between profitability and the factors that determine profitability for 11 listed Kuwaiti banks from 2013 to 2020. Relevant data was statistically analyzed using the generalized method of moments (GMM) model. The empirical findings of this research indicate that deposit volume and oil prices positively impact the profitability of the Kuwaiti banking sector. Conversely, bank size, leverage, and capitalization had a significant negative impact on the earnings of the listed Kuwaiti banks. Based on the findings of this study, several policy recommendations are made that would grow the profits of the Kuwaiti banking sector and mitigate the effects of negative factors.

Kuwait Economy: Opportunity, Potential, Recovery (Expectation vs Reality)

Kuwait is a fairly rich country in which citizens have a very high per capita income. After a modest recovery in 2018, Kuwait’s economic growth slowed to 0,4% in 2019 as oil production declined and global hydrocarbon prices fell as a result. In 2020, the country’s economic growth falls to the mark (–8,1%), while IMF analysts predict a recovery in growth to 0.7% in 2021 and to 3,2% in 2022.Years of low oil prices have forced the government of Kuwait to almost use up its cash reserves, while the brewing political standoff has prevented it from borrowing on international markets. Kuwait provides a comfortable existence for 90% of local citizens who receive government wages, along with generous benefits and subsidies, from cheap electricity and gasoline to free health care and education. However, the COVID–19 pandemic, falling oil prices and a liquidity crisis forced the government to speak seriously about the crisis in the country for the first time. Thus, the Minister of Finance of Kuwait announced that soon the government would not be able to pay salaries, and the Central Bank of Kuwait in its reports indicated that the country’s budget deficit could reach 40% of GDP, which is the highest since financial losses as a result of Iraq’s invasion in 1990 and the subsequent Gulf War.

Impact of Authentic Leadership on Critical Thinking Skills among Managers of Islamic Banks in Kuwait

Impact of Authentic Leadership on Critical Thinking Skills among Managers of Islamic Banks in Kuwait

Local marketing elements and their role in achieving customer satisfaction – A field study on some local banks in the State of Kuwait –: عناصر التسويق الداخلي ودورها في تحقيق رضا العملاء – دراسة ميدانية عن بعض البنوك المحلية في دولة الكويت –

The Study aimed to identify the extent of commitment of local banks in the State of Kuwait to work with the concept of marketing internally and externally, and interest in it, and the relationship between training and development of employees in these banks and the extent of customer satisfaction in these banks, and the level of the relationship between employee motivation and the level of customer satisfaction for these banks, and the relationship between delegation of powers to employees And to increase their satisfaction and customer satisfaction. The Study sample consisted of (51) bank references in the State of Kuwait. The study used the questionnaire as a tool for collecting study data. The study applied the descriptive analytical approach. The results of the study reached: The Banks are committed to activating the elements of internal marketing, whether the bank's services or the promotion of services, the efficiency and motivation of workers, and the satisfaction of workers, but the promotion of services came in a lagging position from the point of view of the study sample. The High level of customer satisfaction with banks' services, whether from the good availability of branches for those banks or the speed and simplicity of completing transactions, flexibility in working hours, and following an accurate system in completing transactions. The Elements of internal marketing affect and are significantly related to customer satisfaction and contribute to the level of customer satisfaction. The Bank's services, employee satisfaction, and employee efficiency and motivation are what contribute significantly to customer satisfaction, while promoting services does not affect or contribute to customer satisfaction. There are no statistically significant differences in the averages of each of the marketing elements and customer satisfaction due to the differences in gender, age, educational level and occupation among Kuwaiti bank customers. The study recommended paying attention to the human cadre, relying on electronic methods to provide banking services, and establishing partnerships and alliances between local and foreign banks to benefit from the expertise to develop the elements of banking services.

Performance evaluation using the CAMELS model: A comparative study of local commercial banks in Qatar and Kuwait

Nowadays, the banking system is undergoing significant changes. Digitalization that appears in Industry 4.0 also pioneers in the banking system, so we can also talk about Bank 4.0 as a new development direction. In this shift in the digital age, it becomes even more critical to examine the performance of banks. The case study approach was based on an attempt to diagnose the performance of a sample of local commercial banks in Qatar and Kuwait based on their financial statements for the period 2013–2017, and approve the existing accounting data as sources for the financial analysis process, by using essential financial analysis tools such as financial ratios. The output of the analysis was used to measure performance. All this is applicable when using the CAMELS rating model to evaluate the financial performance of the banking sector. The results show statistically significant differences between countries for four factors (Asset quality, Management efficiency, Earnings quality and Sensitivity) and none for the remaining two (Capital adequacy and Liquidity management) because the significant level is higher than 5%. However, the two factors with no significant differences are vital to the prudent operation of banks, mainly that Qatari banks perform better than Kuwaiti banks.

Evaluation of the Impact of Innovation Management on Customer Satisfaction and the Innovative Behavior of Employees: Field Study in Commercial Banks in the State of Kuwait

Purpose: This research paper aimed at identifying the impact of innovation management on customer satisfaction and the behavior of innovative employees in commercial banks in Kuwait. Design/Methodology/Approach: Based on the descriptive-analytical approach, the study used the questionnaire on a sample represented by (5) banks in Kuwait (28%). After collecting the study data, the Statistical Analysis Program (SPSS) and PLS were used, several results were reached. Findings: There is a moderate degree of innovation management practice in commercial banks in the State of Kuwait, there are an impact and correlation between innovation management and the innovative climate from one hand and the innovative climate and customer satisfaction, on the other hand. It also showed the impact and correlation between the innovative climate and innovative behavior in the study population. Furthermore, there are an impact and correlation between network theory, innovation management, innovative climate, customer satisfaction, and the behavior of innovative workers. Practical Implication: The study recommended attention to managing innovation and the innovative climate and strengthening network theory in commercial banks. It also recommended stimulating the work of the Training and Development Department in commercial banks in the State of Kuwait. Originality/Value: The value of the study comes to find solutions to weaknesses, if any, and to strengths by not losing any sight of management phenomena and variables that contribute to the development of innovation management in commercial banks.

أثر مؤشرات الأداء البنکی فی أسعار الأسهم دراسة تطبیقیة فی البنوک المدرجة فی بورصة الأوراق المالیة المصریة

تهدف الدراسة إلى تحديد أثر مؤشرات الأداء البنکي: (کفاءة إدارة التسويق، وکفاءة إدارة الربحية، وکفاءة إدارة المخاطر، وکفاءة إدارة السيولة) في أسعار أسهم البنوک المدرجة في بورصة الأوراق المالية المصرية. استخدمت الباحثة المنهج الوصفي التحليلي، وقدتمثل مجتمع الدراسة في جميع البنوک المدرجة في بورصة الأوراق المالية المصرية، والبالغ عددها (12) بنکا، وقد تم اختيار عينة مکونة من خمسة بنوک مدرجة في بورصة الأوراق المالية المصرية، أي: بنسبة 41.66%. خلال الفترة الممتدة بين العامين (2017م، 2019م)، وتتمثل بالآتي: (البنک التجاري الدولي، وبنک قطر الأهلي الوطني، وبنک الکويت الوطني- مصر، والبنک المصري الخليجي، وبنک التعمير والإسکان). تم الاعتماد على التقارير السنوية للبنوک خلال الفترة المنشورة على المواقع الإلکترونية الخاصة بالبنوک عينة الدراسة، بواقع (15) مشاهدة (5 بنوک لمدة 3 سنوات)، ونشرات التداول المنشورة على موقع بورصة الأوراق المالية المصرية. وقد توصلت الدراسة إلى وجود أثر ذي دلالة معنوية لمؤشرات الأداء البنکي: (کفاءة إدارة التسويق، وکفاءة إدارة الربحية، وکفاءة إدارة المخاطر، وکفاءة إدارة السيولة) في أسعار أسهم البنوک المدرجة في بورصة الأوراق المالية المصرية. وقد أوصت الدراسة بأن رفع کفاءة إدارة التسويق في البنوک المدرجة في بورصة الأوراق المالية المصرية أمر ضروري؛ وذلک لزيادة الطلب على أسهم البنوک، وزيادة التداول فيها. The study aimed to determine the impact of banking performance indicators (efficiency of marketing management, efficiency of profitability management, efficiency of risk management, Efficiency of liquidity management) on the share price of banks listed on the Egyptian Stock Exchange. The researcher used the descriptive and analytical approach, and the study community was represented by all the 12 banks listed on the Egyptian Stock Exchange, and a sample consisting of five banks listed on the Egyptian Stock Exchange was selected, i.e. 41.66%. During the period between the two years (2017-2019), represented by the following: (Commercial International Bank, Qatar National Bank, National Bank of Kuwait - Egypt, Egyptian Gulf Bank, and Development and Housing Bank). The annual reports of the banks during the period and which were published on the websites of the banks in the study sample, were relied on (15) views (5 banks for 3 years), and the trading bulletins published on the Egyptian Stock Exchange website. The study found that there was a significant impact of the banking performance indicators (efficiency of marketing management, profitability management efficiency, risk management efficiency, liquidity management efficiency) on the share prices of banks listed on the Egyptian Stock Exchange. The study recommended that the necessity to raise the efficiency of the Marketing Department in the banks listed on the Egyptian Stock Exchange, in order to increase the demand for bank shares and increase circulation in them.