Sample Of Banks Research Articles

Government Borrowing and South African Banks’ Capital Structure: A System GMM Approach

This paper aimed to investigate the effects of government borrowing banks’ capital structure using a sample of banks registered in South Africa from 2012 to 2021. Despite the extensive literature on this association, few prominent researchers have studied this phenomenon in the banking sector. Applying the generalised method of moments (GMM) model, the study established a positive but significant effect on the South African banks’ capital structure from total government borrowing, local government borrowing and foreign government borrowing, and capital structure. Contrary to the crowding-out effects detected, the results revealed a positive and significant relationship between government borrowing and banks’ capital structure. The crowding-in effect better explains these results, where government borrowing stimulates the local market for goods and services, motivating banks to borrow more in order to meet the demand for loans. Future research should test the cointegrating and causality relationship between government borrowing and bank capital structure. Also, given that the banking sector is constrained by Basel III’s capital adequacy requirement, controlling for this factor is critical in future research.

A generic anti-drug antibody assay for monoclonal antibody therapeutics with broad dynamic range eliminates the need for titer evaluation in preclinical studies

In preclinical protein therapeutic development studies, the emergence of anti-drug antibodies (ADA) can potentially impact drug pharmacokinetics and safety. While immunogenicity assessment is not mandatory in preclinical studies, banking samples can be valuable for interpreting unexpected pharmacological responses. Immunoassays that use generic reagents across different drug molecules can simplify ADA assessment and expedite sample evaluations. This work showcases the ability of the Gyrolab automated immunoassay platform to detect and quantify both drug-free and drug-bound (total) ADAs to monoclonal antibody (mAb) therapeutics in cynomolgus monkey preclinical studies. Compared to the previously reported total ADA ELISA, the Gyrolab assay exhibited a wider signal dynamic range and increased drug tolerance. Similar sensitivity, dynamic range and cut point factors were observed for four therapeutic mAbs of different isotypes using the Gyrolab assay. Here we present a comparison of ADA assays using bridging ELISA, total ADA ELISA and total ADA Gyrolab formats in a cynomolgus monkey study where the subjects were treated with a single dose of a mAb therapeutic. We demonstrate that the total ADA assays detected host ADA responses at earlier time points compared to the bridging ELISA. The Gyrolab assay has the best correlation between signal-to-noise (S/N) and titer over a wide ADA concentration range, highlighting the utility of Gyrolab in S/N reporting of ADA response to eliminate the need for secondary titer assays. Collectively, our results demonstrate that the generic ADA Gyrolab assay minimizes the necessity for extensive assay development and optimization for therapeutic mAbs, streamlining preclinical immunogenicity assessment to enable interpretation of pharmacological data.

P-658 Identification of novel biomarkers for the detection of polycystic ovary syndrome (PCOS) in adolescents and adult women

Abstract Study question Can novel biomarkers be identified to distinguish between PCOS-positive cases and healthy PCOS-negative controls in women as early as adolescence? Summary answer Meteorin-like protein (METRNL), fibroblast growth factor binding protein-1 (FGFBP1) and leukotriene A4 hydrolase (LTA4H) identified PCOS as early as adolescence, independent of PCOS phenotype. What is known already International evidence-based guidelines recommend use of the Rotterdam criteria for PCOS diagnosis. Despite this guidance, diagnosing PCOS can be extremely challenging due to the heterogeneity of clinical presentation, and further complicated in adolescence and young adulthood due to overlap between signs of physiologic changes during puberty and common symptoms of PCOS (e.g., menstrual irregularity, excess male hormones/androgens, multiple follicles in ovaries). Timely diagnosis of PCOS allowing for appropriate monitoring, follow up and early intervention may reduce the risk of associated comorbidities. An unmet need exists for biomarkers/alternative tools to support earlier diagnosis of PCOS in adolescents/adult women of reproductive age. Study design, size, duration This was a retrospective study (October 2020–June 2023) using banked samples from women with PCOS (confirmed per Rotterdam criteria) and healthy controls who had participated in previous studies sponsored by/in collaboration with Roche Diagnostics. Candidate biomarkers identified by exploratory proteomics analysis (Olink Proximity Extension Assay) were verified by ELISA and receiver operating characteristic-area under the curve (ROC-AUC) analysis for their ability to discriminate PCOS cases and controls in women aged 15-45 years. Participants/materials, setting, methods Top-performing biomarkers from Olink discovery (n = 51 PCOS phenotype A; n = 37 controls) were selected for further validation based on AUC >0.970, biological relevance for PCOS and commercial ELISA availability. Serum biomarker concentrations/biomarker ratios were determined and ROC-AUC analysis conducted in two validation cohorts (Cohort 1: n = 90 cases [phenotype A, n = 30; B, n = 20; C, n = 20; D, n = 20]; n = 47 controls; Cohort 2: n = 240 cases [15-19 years, n = 70; 20-24 years, n = 99; 25-40 years, n = 71]; n = 48 controls, median 26.0 years). Main results and the role of chance Serum METRNL concentrations were numerically lower, and FGFBP1 and LTA4H concentrations numerically higher, in PCOS cases compared with controls. All three biomarkers distinguished PCOS cases and controls, regardless of PCOS phenotype A-D (Cohort 1: AUCs 0.91-0.99 [METRNL], 0.84-0.88 [FGFBP1] and 0.76-0.90 [LTA4H]), and across different age groups in women of reproductive age (Cohort 2: 15-19, 20-24 and 25-40 years; AUCs 0.88, 0.91 and 0.96 [METRNL], respectively; 0.90, 0.88 and 0.91 [FGFBP1], respectively; 0.74, 0.70 and 0.78 [LTA4H], respectively). Compared with results for the individual biomarkers, combining FGFBP1 with METRNL, and LTA4H with METRNL, as biomarker ratios further improved the ability to distinguish PCOS cases and controls, independent of PCOS phenotype A-D (Cohort 1: AUCs 0.95-1.00 [FGFBP1:METRNL] and 0.97-0.99 [LTA4H:METRNL]) and across age groups (Cohort 2: 15-19, 20-24 and 25-40 years; AUCs 0.91, 0.96 and 0.98 [FGFBP1:METRNL], respectively, and 0.91, 0.91 and 0.97 [LTA4H:METRNL], respectively). Findings were not impacted by adjustment for baseline body mass index. METRNL, FGFBP1 and LTA4H are linked to biological mechanisms associated with clinical manifestations and underlying characteristics of PCOS, i.e., metabolic pathways, inflammation and ovarian function. While METRNL has been described previously in adult PCOS, FGFBP1 and LTA4H findings are novel in this context. Limitations, reasons for caution These findings in retrospective samples warrant validation in additional independent prospective cohorts, particularly in adolescents and young adult women. Wider implications of the findings Reliable diagnosis of PCOS in adolescents and young adult women represents an unmet medical need. METRNL, FGFBP1 and LTA4H have potential use as biomarkers to support the detection of PCOS in adolescents and adult women, potentially shortening time to diagnosis and allowing for earlier and targeted intervention. Trial registration number not applicable

Quality Assessment Method for Insulator Sample Bank Based on Sampling Theory

Abstract Insulator strings are important components in power systems to support and isolate transmission lines. Due to long-term exposure to the natural environment, insulator strings are susceptible to damage, such as self-explosion, broken umbrella skirts, and galvanic corrosion, which is one of the most common failures. Once damaged, it can lead to widespread power outage, which affects people’s life and industrial production, so it is necessary to inspect and replace the damaged insulator strings regularly. This thesis proposes a quadratic sampling based approach to assess the quality of insulator string sample banks. Through simple random sampling, estimation and interval estimation of the sample pool, the pass rate and average number of labels of the original sample pool are initially assessed and compared with the usage requirements to decide whether to carry out a second sampling or not; the second sampling used SADS as an evaluation metric to assess the performance of the insulator string sample bank.

Internal financing (ownership) and its impact on some financial safety indicators: An applied study of a sample of Iraqi private commercial banks for the period (2013-2022)

Internal financing (ownership) and its impact on some financial safety indicators: An applied study of a sample of Iraqi private commercial banks for the period (2013-2022)

Sources of debt financing and impact on liquidity indicators: An applied study of a sample of Iraqi private commercial banks for the period (2012-2023)

Sources of debt financing and impact on liquidity indicators: An applied study of a sample of Iraqi private commercial banks for the period (2012-2023)

The impact of credit risks on capital adequacy according to Basel (Ш) a comparative study of a sample of Iraqi private commercial banks

The impact of credit risks on capital adequacy according to Basel (Ш) a comparative study of a sample of Iraqi private commercial banks

Pengaruh Risiko Kredit Dan Risiko Likuiditas Terhadap ROA Dengan Good Corporate Governance Sebagai Variabel Moderasi

This research aims to determine the effect of credit risk and liquidity risk on ROA with Good Corporate Governance as a moderating variable. The research population consists of state-owned banks listed on the IDX, with a sample of state-owned banks for the period 2017-2021. This research uses quantitative methods, with data sources taken from the website www.idx.co.id and the official websites of each company. The analysis technique used is Moderating Regression Analysis (MRA). The research results show: (1) Credit Risk (NPL) has a negative and significant effect on ROA, (2) Liquidity Risk (LDR) has a positive but less significant effect on ROA, (3) Credit Risk (NPL) and Liquidity Risk (LDR) together have a positive and significant effect on ROA, (4) Good Corporate Governance (GCG) moderates the relationship between Credit Risk (NPL) and ROA, and (5) GCG does not moderate the relationship between Liquidity Risk (LDR) and ROA. Keywords : Good Corporate Governance; Credit Risk; Liquidity Risk; Return on Assets;

The Effect of Macroeconomic and Microeconomic Variables on the Profitability of Sharia Commercial Banks in Indonesia

This study aims to determine the influence of macro and microeconomic variables on the profitability of Sharia Commercial Banks in Indonesia. The sample determination in this study used purposive sampling techniques and produced seven samples of Sharia Commercial Banks used in this study. The dependent variables used consist of inflation, interest rates, Gross Domestic Product (GDP), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expense to Operating Income (OEOI). The data analysis method used is panel data regression with e-views software version 12. The results of this study show that interest rate, GDP, and OEOI variables partially have a significant effect on the profitability of Sharia Commercial Banks, while inflation, NPF, and FDR variables partially do not have a significant effect on the profitability of Sharia Commercial Banks in Indonesia in 2017-2021. Meanwhile, based on the results of simultaneous tests, it was found that the variables of inflation, interest rates, GDP, NPF, FDR, and OEOI had a significant effect on the profitability of Sharia Commercial Banking 2017-2021.

Using Bi-Level Programming to Evaluate Banking Operations

The importance of performance evaluation in diagnosing the positive and negative cases of excellence of banks appears as it is a necessary means to achieve the extent to which banks can achieve the required level of performance. The research sought to evaluate the performance of banks through the use and application of one of the programming models that is rarely used in banking literature, which is the two-level programming model (quadratic - linear programming). The efficiency index for each banking process is either (1) or (zero). The process that... Achieving an efficiency score of (1) means that it is 100% efficient and falls within the limits of efficiency and achieves the highest returns of profits. As for the banking operation that has an efficiency index of (zero), this means that it does not achieve any return of profits. Thus, applying the two-level programming model determines the extent to which Each bank in the sample, which was taken as a random sample, reached (19) banks out of (65) banks, represented by Al-Rafidain Bank in the city of Baghdad, which was considered as a statistical population for the research for the year 2022. After addressing the theoretical aspect of two-level programming, which is considered one of the improvement issues. It is nested on two levels, one of which is the upper level, called the independent variable (Leader), and the other is represented by the lower level, called the dependent variable (Follower). Each level has a special function and has restrictions. In order to evaluate the upper and lower bounds, the Karch-Cohen-Tucker conditions were used, thus converting two-level programming into single-level programming, and thus applying Program (). The results of the analysis showed that there is a variation in performance between the banks in the research sample, as well as a variation in performance at the level of a single bank depending on the variation in percentages and quantities of profits achieved to which the research sample contributed, and through the results achieved, Al-Mansour Bank obtained first place among the sample banks. Whereas, the value of the objective function achieved for the bank reached (339,636,731), and Al-Mustansir Street Bank ranked (last) among the sample banks, as the value of the objective function achieved for the bank reached (337,791,490). The highest return on profits was achieved by the banks in the research sample from the banking operation (long-term loans) and its value reached (190,193,543), followed by the banking operation (personal advances), which amounted to (15,738,985), then the banking operation (short-term loans), whose value amounted to (8,104,846), and then the banking operation ( Debit current accounts, amounting to (1,847,239), and finally the banking transaction (discounted commercial papers), amounting to (43,720). The research concluded with a set of conclusions and recommendations

THE ANALYSIS FACTORS OF CAPITAL ADEQUACY ON INDONESIA “BUKU-4” BANK CATEGORY

In this paper, the researcher contribute to extending the prior literature on the bank BUKU Category by investigating the influence of capital adequacy ratio factors. On the previous studies, the factors of banking capital adequacy ratio can be influenced by several factors such as Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), and Size. In previous research stated that NPL and LDR as partially had a negative effect on the Capital Adequacy Ratio, ROA and Size had a positive effect on the Capital Adequacy Ratio level. In this study, the researchers used seven sample of commercial banks included in the Bank BUKU-4 Category as commercial banks with huge capital category in the 2018-2022 period. As Random Effect Model (REM) chosen to be the estimation model. Our findings provide empirical support on the findings researh of Azizah and Taswan's research, that simultaneously the NPL, LDR, ROA and SIZE have an influence on the capital adequacy ratio level of Commercial Banks which are included in the BUKU-4 bank category. However, partially, the influence of the independent variables on the dependent variable is differences. NPL has an influence on CAR, LDR has a negative influence on CAR, ROA has a positive influence on CAR, and Size has a negative influence on CAR. The implication of this research is that when commercial banks included on the BUKU-4 Bank category, the commercial banks that included on BUKU-4 Bank category are banks that are considered stable with a capital capacity of more than 70 trillion rupiah so that the NPL, LDR and Size levels have no larger effect. Because the huge of commercial banks which is included are whose financial levels are stable so that not has a big impact on the level of capital adequacy in BUKU-4 category commercial banks, the level of profit obtained by these banks. However, it does not rule out the possibility that apart from the variables that have been studied, there are other variables that can have a big influence on the level of capital adequacy other than those mentioned by the researchers in this study

The Role Of International Financial Reporting Standards (IFRS) In Enhancing The Quality Of Financial Reporting Applied Research In a Sample Of Iraqi Banks Listed On The Iraq Stock Exchange

The aim of the research is to show the importance of applying IFRS standards at the international and local levels in Iraqi banks and its reflection. This research used statistical methods and indicators, as the data were collected through the distribution of questionnaires to a sample of international development banks, and Gulf commercial banks, to accountants and auditors working in Iraq, where they were distributed to (226) participants and analyzed using SPSS v 26 and Amos v 26, as well as a study comparing the impact of the application of IFRS-9 before and after by analyzing the financial statements of the above banks. The research included the study of several topics, including an overview of IFRS standards and the quality of financial reports, the definition of international financial reporting standards, the objectives of financial reports prepared for public use, the importance of IFRS, the quality of financial reports, the factors affecting the quality of financial reports, the importance of IFRS standards, the factors affecting the quality of financial reports, the challenges faced by banks in preparing financial reports, the application of IFRS standards, the impact on the performance of banks, the application of IFRS standards, the fair presentation of the financial position, the application of IFRS standards and the presentation of cash flows to banks, and the reality of adopting IFRS standards in Iraqi banks. The research concluded that the presence of interest of Iraqi banks in the application of financial reporting standards in order to enhance the quality of financial reporting, that the level of impact of International Financial Reporting Standards (IFRS) in enhancing the qualitative characteristics of accounting information among Iraqi banks (the research sample), all of which increased the application of IFRS, reflected positively on the qualitative characteristics of accounting information. The research contributes to financial institutions such as banks and banks as a means of providing external users, investors and at all levels with the financial data and information necessary to make rational and correct decisions after the application of IFRS standards.

Geopolitical risk and banking performance: evidence from emerging economies

PurposeThis study delves into the critical issue of banks' stability and profitability, which are crucial elements for fostering economic growth and preserving depositor confidence. Specifically, we scrutinize the impact of geopolitical risks on the profitability and solvency of banks operating in emerging economies across the Middle East and Africa.Design/methodology/approachEmploying a two-step Generalized Method of Moments (GMM) approach, we analyze a comprehensive dataset comprising 125 banks spanning 13 emerging economies in the Middle East and Africa, covering the period from 2003 to 2019.FindingsOur study reveals a significant sensitivity of Middle Eastern banks to geopolitical risks, wherein effective anticipation or adaptation to these risks positively influences bank performance. Conversely, the impact of geopolitical risk on African banking profitability appears inconclusive and statistically insignificant. These nuanced findings underscore the complex interplay between geopolitical dynamics and financial performance in diverse regional contexts, with implications for policymakers and industry stakeholders.Practical implicationsOur findings underscore the need for nuanced policy responses and risk management strategies tailored to the unique challenges posed by geopolitical dynamics in emerging markets. Furthermore, they highlight the importance of continued research efforts to deepen our understanding of these complex interactions and inform more effective decision-making in the financial sector.Originality/valueAmidst growing recognition of the importance of geopolitical risks in financial markets, empirical studies exploring their precise impact on bank performance remain scarce. This study fills this gap by offering a pioneering investigation into the influence of geopolitical risks on bank profitability and solvency, using advanced econometric techniques and a substantial, diverse sample of banks in emerging economies across the Middle East and Africa.

A comparative study on bank income diversification: which non-interest income component is beneficial?

PurposeThis paper aims to conduct a comparative study on the impact of income diversification and the main non-interest components on banks’ financial performance and risk-adjusted profitability in China and Egypt.Design/methodology/approachThis study uses both static and dynamic panel regression analyses on a sample of Egyptian and Chinese banks from 2009 to 2022.FindingsIncome diversification yields positive effects on bank profitability in Egypt and China. Trading income consistently exhibits a significant positive influence on bank profitability in both nations. Conversely, fee-based income positively impacts bank profitability in China, whereas in Egypt, this effect is observed under dynamic-based regression models. On the contrary, income diversification does not consistently increase risk-adjusted profitability in both countries, especially Egypt.Originality/valueTo the best of the authors’ knowledge, this is the first study to examine the impact of income diversification on Egyptian bank performance while identifying the most significant non-interest income components. In addition, the comparative analysis conducted in this study reveals the positioning of China, the largest economy among emerging countries, in terms of the degree of income diversification, its impact on bank profitability and the extent to which non-interest income components contribute to bank profitability when compared with Egypt, representing an emerging country characterised by different levels of bank market power, financial infrastructure and expertise. Findings hold significant implications, suggesting that bank managers and policymakers should prioritise diversifying income sources, particularly through fee-based services and trading activities in China, and trading activities in Egypt, to enhance financial profitability.

The Impact of Digital Banking on Banking Competition: A Case Study of a Sample of Iraqi Commercial Banks

This study aims to measure and analyze the extent of digital banking's impact on the banking competition of three commercial banks in Iraq for the period of 2016-2022. These banks are the Bank of Baghdad, the Iraqi Middle East Bank, and the National Bank of Iraq. The current study employed a deductive approach and used the Panel ARDL methodology, which shows the effect of independent variables in the short run and long run on the dependent variable. The study concluded that there is a statistically significant relationship between the independent variables and the dependent variable. The estimation results revealed that the coefficients of two determinants of digital banking, which are the independent variables affecting banking competition, are consistent with economic theory, while one independent variable contradicts economic theory. It was found that the Bank of Baghdad is the best in reflecting its use of digital banking in its banking competition, followed by the National Bank of Iraq in second place, closely behind the Bank of Baghdad, and the Iraqi Middle East Bank came in third and last place.

Information technology and its impact on developing work in Iraqi banks - Applied research on a sample of private Banks

Information technology and its impact on developing work in Iraqi banks - Applied research on a sample of private Banks

The companion dog as a model for inflammaging: a cross-sectional pilot study.

Inflammaging, the chronic, progressive proinflammatory state associated with aging, has been associated with multiple negative health outcomes in humans. The pathophysiology of inflammaging is complex; however, it is often characterized by high serum concentrations of inflammatory mediators such as tumor necrosis factor alpha (TNF-α), interleukin (IL)-6, and C-reactive protein (CRP). Few studies have evaluated the effects of age on inflammatory cytokines in companion dogs, and most of these studies included dogs of a single breed. In this cross-sectional study, we measured multiple circulating inflammatory markers and hematological parameters in banked serum samples from 47 healthy companion dogs of various breeds enrolled in the Dog Aging Project. Using univariate linear models, we investigated the association of each of these markers with age, sex, body weight, and body condition score (BCS), a measure of obesity in the dog. Serum IL-6, IL-8, and TNF-α concentrations were all positively associated with age. Lymphocyte count was negatively associated with age. Platelet count had a negative association with body weight. IL-2, albumin, cholesterol, triglyceride, bilirubin, S100A12, and NMH concentrations were not associated with age, weight, BCS, or sex after adjustment for multiple comparisons. Our findings replicate previous findings in humans, including increases in IL-6 and TNF-α with age, giving more evidence to the strength of the companion dog as a model for human aging.

Bank liquidity risk management through stable and volatile markets: The role of the asset-liability committee and lessons learned for the balance sheet governance operating model

This study examines the balance sheet management governance operating model of selected failed banks from 2007, 2008, 2009 and 2023, with emphasis on the corporate governance structure in place and the position of the asset-liability committee (ALCO), and draws conclusions and recommendations for future policy. All failed sample banks exhibited near-identical governance frameworks for management and oversight of balance sheet risk: namely an ALCO that reported to the senior executive management committee, and was at least two levels, if not three levels, below board level. It is inferred that, as the ultimate responsible and accountable forum for ensuring balance sheet viability and continuing going concern of the bank, the board would benefit from being closer to the balance sheet risk management process. This implies changing the governance structure such that the ALCO is closer to the board itself, and able to provide direct comfort to the board that the bank's capital and liquidity risks are being managed appropriately. The following bank governance measures are recommended, to be imposed by regulatory fiat if necessary: •Direct delegated authority of the ALCO to manage the balance sheet, from a long-term robustness and viability perspective, directly on behalf of the board. •The ALCO to report directly to the board, rather than via the executive management committee (or as an alternative approach, changed to become a sub-committee of the board). This recognises that the asset-liability management (ALM) discipline is at least as important as, if not more important than, the ‘audit’ oversight function undertaken by the board audit committee. •Technical expertise at ALCO and board level that is capable of discerning the genuine capital and liquidity risk exposure position of the bank, on a medium-term forward-looking basis, at all times.

The performance and stability of financial institutions after digital transformation: The importance of regional policies

Competition among financial institutions is extremely fierce. How digital transformation can enhance banks’ competitiveness is a crucial question. In this study, we investigate the relationship between digital transformation and financial institution performance. Based on a sample of all commercial banks in China between 2010 and 2022, this study finds strong evidence that digital transformation improves bank performance. Furthermore, we find that this relationship is more pronounced when a region implements policies that encourage digitalization. Overall, this study contributes to the rapidly growing literature on enterprise digital transformation.

Application of KMV Model in Credit Risk Management in Banking Industry

As an important part of the national financial system, the banking industry bears important responsibilities for the national economy. In addition, the banking industry is considered an area full of high risks. The risk management of banks not only involves the national finance, economy and national security, but also directly affects the national financial system and the stability of the global financial order. Credit risk has always been one of the risks that domestic and foreign banking banks pay special attention to. Effectively identifying and preventing credit risk is the key to ensure the smooth operation of banks. In order to better identify and manage the credit risk of the listed banks in China, this study uses the KMV model to measure the default distance of the sample banks. Will default distance as assessment of China listed commercial Banks credit risk agent variables, using before 2019 in China's a-share market listed commercial Banks build panel data, empirical analysis, and discuss the analysis results, put forward relevant policy Suggestions, model support for the healthy and steady development of the banking industry. This paper analyzes the current situation of the application of modern credit risk measurement model in the risk management of the banking industry. Meanwhile, combining with the data of some listed banks in China, discusses the credit risks and challenges faced by banks through in-depth analysis, and provides development suggestions with the data analysis of financial model.