Banking risks

Creating credit is the main income-generating activity for banks. However, granting credit always comes with risks. Credit risk is the risk of losing part or all of a debt due to failure to pay on time or default. Credit risk is considered the most important risk affecting banking performance.

13p viwalton 02-07-2024 1 1   Download

The study highlights the challenges that banks need to consider during the digital transformation process, specifically credit risk management to be able to take full advantage of the benefits brought by digital transformation.

12p viwalton 02-07-2024 7 1   Download

This study was conducted to assess the influence of factors on the independence of independent auditors in Vietnam. Data was collected from questionnaires sent to 160 subjects, including auditors; audited unit accountants; bank employees and financial and credit institutions; securities investors.

13p minhnn0302 15-06-2024 11 6   Download

Ebook Managing the risks of payment system is organized as follows: Chapter 1 “we didn’t know” is no excuse, chapter 2 payment systems survey, chapter 3 checks and the risk of fraud, chapter 4 wire transfers: originator to its bank to receiving bank, chapter 5 wire transfers: completing the transfer and rules for errors, chapter 6 risks of automated clearing house payments, chapter 7 commerce and payments in cyberspace, chapter 8 management of corporate payment systems risks.

253p zizaybay1103 29-05-2024 3 1   Download

Wealth Management has two themes: Private Banking and investment decisions regarding Structural Financial Products. Dr. Dimitris Chorafas examines in a rigorous way whether structured financial products are advisable investments for retail and institutional investors and, if yes, which risks they entail. This book addresses all these issues in a practical manner with numerous case studies and real-world examples drawn from the author’s intensive research.

391p vimeyers 29-05-2024 4 2   Download

Ebook Sams teach yourself today e-banking is a comprehensive tutorial of this emerging online trend. Learn the practices of online banking, how to compare services and fees, and how to determine which online bank is right for you. The book explains the security risks of online banking in clear, friendly terms. Take control of your money by employing the information available on the Internet.

255p vimeyers 29-05-2024 7 2   Download

"Impact mechanism between digital transformation, fintech status and risk taking of Vietnamese commercial banks" following conclusions are drawn: (1) Digital transformation has a significant positive impact on the fintech status of commercial banks; and (2) Bank fintech innovation and application increases bank credit and liquidity risk but reduces insolvency risk. This article adds to the theoretical and empirical evidence on the role of fintech in banks’ risk taking. Thereby, the article proposes some recommendations from a micro perspective for commercial banks.

11p dathienlang1012 03-05-2024 1 0   Download

The term artificial intelligence (AI) is no longer a peculiar concept to many people, especially in the banking and finance industry, in which there are many activities involving technology and human intelligence. With the characteristics of big data, business in the monetary sector faces many risks, diverse customers, and extensive connections. Therefore, it is inevitably necessary to adopt AI in the banking system. AI potentially brings great abundance, reduces workload, and increases operational accuracy for banks.

6p dathienlang1012 03-05-2024 1 0   Download

Besides bank credit, microcredit is an important capital supply channel for the economy. In Vietnam, the poor who cannot access credit capital to develop themselves and create income. Microcredit is mainly unsecured loans, so the risks are quite high, of which the biggest risk is the possibility of losing capital. Meanwhile, curently, the application of Fintech in the field of microcredit is almost negligible, making it impossible for people who need capital, but lenders are afraid of the risk of losing capital.

8p dathienlang1012 03-05-2024 0 0   Download

International payment is the fulfillment of payment obligations and entitlement to currency benefits arising from economic and non-economic activities between organizations, individuals of one country with organizations, individuals of another country, or between a nation and an international organization, through relationships between banks of the relevant countries.

5p zizaybay1101 09-05-2024 3 2   Download

In this study, financial performance is assessed through three indicators ROA (return of assets), ROE (return of equity), NIM (net profit margin). Based on previous domestic and foreign studies, the research has selected a suitable model for Vietnam with 08 factors affecting financial performance including bank size (SIZE), equity to total assets (CAP), operating expenses to operating income (CIR), risk provision (RISK), bank age (AGE), fixed assets to total assets (TANG), gross domestic product growth rate (GDP) and inflation rate (INF).

9p longtimenosee09 08-04-2024 3 2   Download

The 2023 series of bank collapses has underscored the vital importance of effective liquidity risk management in the banking industry. Liquidity risk in bank, with its potential to trigger bank runs and destabilize the global financial system, requires a comprehensive approach that considers market volatility, regulatory changes, and evolving business models. Collaboration among banks, regulators, and stakeholders is crucial at the system level.

12p longtimenosee09 08-04-2024 4 1   Download

In this paper, the author studies the impact of capital adequacy ratio on credit performance of Vietnamese commercial banks for both growth and credit risk aspects. Evaluate in detail and compare the difference of this relationship between commercial banks with different characteristics. Proposing a number of recommendations to help bank administrators and regulators be more proactive when assessing the impact of capital adequacy ratio on the individual characteristics of each bank.

10p longtimenosee09 08-04-2024 3 1   Download

This article aims to analyze the strategy and digitalization method of Lien Viet Post Joint Stock Bank (LPBank). LPBank services need to undergo digital transformation. Through digitization, LPBank not only aims to improve business efficiency but also contributes to sustainable development. In particular, the article offers comprehensive solutions for digitization as well as risks that may be encountered when digitizing.

11p longtimenosee09 08-04-2024 6 2   Download

This paper aims to research on moral hazard and moral risk management in business activities of commercial banks. From theory to practice, we could recognize the reality that Vietnamese commercial banks have faced many risks, especially moral hazard. Through practical analysis, from the achievements, limitations and causes, the article proposes some solutions to strengthen the management of moral risks in business activities of Vietnamese commercial banks in the coming time.

9p longtimenosee09 08-04-2024 10 2   Download

This study examines the impact of ownership structures, foreign ownership, and concentrated ownership, on risk in Vietnamese commercial banks. We employ panel data analysis, considering financial metrics (ROA, ROE, ADZ), control variables (SIZE, LOA, LIQ, EFF), and macroeconomic conditions (δt). Results indicate that foreign ownership reduces risk, seen in lower standard deviations of ROA and ROE. In contrast, concentrated ownership increases risk, particularly in ROA.

11p longtimenosee09 08-04-2024 5 1   Download

The paper considers the issue of operational risk management in Russian commercial banks. The correlation and regression analysis also revealed the dependence of the operational risk level on liquidity risks (current and long-term liquidity ratios) and crediting risks (the amount of overdue debt, the aggregate risk for bank insiders, and reserves for possible losses on loans and equivalent debt)

7p longtimenosee09 08-04-2024 2 1   Download

The research results will provide the scientific basis for commercial banks and the State Bank to propose appropriate policies to improve the efficiency and safety of the banking system.

9p vioraclene 01-04-2024 3 0   Download

This study aims to measure empirically tested conceptual models regarding the magnitude of intellectual capital influence, operational risk management, and business strategy on the effectiveness of management accounting information systems and their implications on the performance of a balanced scorecard based company. This research used sensus as sampling technique, it used all existing population. This research was conducted using a survey method in Banking Sectors in Indonesia based on the supply chain management.

13p longtimenosee09 08-04-2024 8 2   Download

The prime goal of the present literature is to examine the role of risk management culture along with reengineering, collaboration and supply chain management on the firm performance along with the competitive advantage of the Islamic banks in Indonesia. The data has been used for analysis are collected through questionnaires from the employee of Islamic banks that are connected to the supply chain process while smart-PLS has been used to analyze this data.

7p longtimenosee06 27-03-2024 4 2   Download