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The Effect of Credit Risk and Capital Adequacy on the Profitability of Rural Banks in the Philippines

Accounting, 3(7), 6-14. Economic Times Bureau, 2010. What is capital adequacy ratio?. from http://economictimes.indiatimes.com/all-about-capital-adequacy-ratio/what-is-capital-adequacy-ratio/slideshow/6222228.cms Erina , J., and Lace, N., 2013. Commercial Banks Profitability Indicators: Empirical Evidence from Latvia. IBIMA Business Review, 2013, 1-9. doi: https://doi.org/10.5171/2013.873515 Flamini, V., McDonald, C., and Schumacher, L., 2009. The determinants of commercial bank profitability in Sub-Saharan Africa IMF

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Determinants Of European Banks' Capital Adequacy / Determinanty Adekwatności Kapitałowej Banków Europejskich

. Hennesy C., Whited T. (2005), Debt dynamics, ‘Journal of Finance’ 60, s.1129-1165. Iwanicz-Drozdowska M. (2004), Ewolucja regulacji w zakresie adekwatności kapitałowej banków, ‘Bezpieczny Bank’ nr 1(22), p. 90. Mili M., Sahut J.M., Trimeche H. (2014), Determinants of the Capital Adequacy Ratio of a Foreign Bank’s Subsidiaries: The Role of the Interbank Market and Regulation of Multinational Banks, IPAG Business School Working Paper 2014-366. Miller M. (1995), Do the M&M Propositions Apply to Banks?, ‘Journal of Banking and

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The Effect of Credit Risk and Capital Adequacy on the Profitability of Rural Banks in the Philippines

://www.bis.org/publ/bcbs75.pdf . Basel Committee on Banking Supervision, 2015. History of the Basel committee. Retrieved June 23, 2016, from http://www.bis.org/bcbs/history.pdf Benoit, K., 2011. Linear regression models with logarithmic transformations. http://www.kenbenoit.net/courses/ME104/logmodels2.pdf . Boahene, S. H., Dasah, J., and Agyei, S. K., 2012. Credit risk and profitability of selected banks in Ghana. Research Journal of Finance and Accounting, 3 (7), 6-14. Economic Times Bureau, 2010. What is capital adequacy ratio?. from http://economictimes.indiatimes.com/all-about-capital-adequacy-ratio/what-is-capital-adequacy

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Are Capital Ratios Procyclical? Evidence from Turkish Banking Data

REFERENCES 1. Acharya, V. V. and Richardson, M. P. 2009. “Causes of the Financial Crisis”. Critical Review 21 (2), 195–210. 2. Aktas, R., Acikalin, S., Bakin, B., Celik, G. 2015. “The Determinants of Banks’ Capital Adequacy Ratio: Some Evidence from South Eastern European Countries”. Journal of Economics and Behavioral Studies 7(1), 79–88. 3. Allen, D. E., Napaporn, N., Robert, J. P. 2013. “The Determinants of Capital Structure: Empirical evidence from Thai Banks”. Information Management and Business Review 5(8), 401–410. 4. Arcand, J

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Empirical Assessment on Financial Regulations and Banking Sector Performance

.U., Bewaji, P.N., Nwosu, C.P., Ben-obi, O.A., Adigun, M.A., Elisha, J.D., Okoro, A.E., and Ukeje, N. H (2013). Bank intermediation in Nigeria. Journal of Financial Management, 10(7), pp. 101-117. 4. Ezike, J. E. (2013). Capital adequacy standards, Basle Accord and bank performance: The Nigerian Experience (A case study of selected banks in Nigeria). Asian Economic and Financial Review, 3(2), pp. 146 - 159. 5. Fadare, S. O. (2010). Recent banking sector reforms and economic growth in Nigeria. Middle Eastern Finance and Economics. Journal of

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The Risk of Insolvency and its Impact on Romanian Banks

Abstract

The new regulations on capital adequacy aimed to strengthen the stability of financial and banking system because a stable banking system contributes to assure a sustainable development with long term beneficial effects on economy.

This article represents a review of the impact on new higher standards for Romanian banks regarding capital adequacy.

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Internal Determinants of Commercial Bank Profitability In Indonesia

Abstract

Internal determinants of bank profitability can be defined as those factors that are influenced by the bank’s management decisions and policy objectives. This paper is aimed to examine the internal factors that impact on commercial banks profitability in Indonesia. The factors reviewed in the model namely capital adequacy, credit risk (non-performing loan), liquidity (loans to deposit ratio), net interest margin and operating efficiency (operating expenses to operating income ratio). Using purposive sampling method, the analysis used thirty three commercial banks, with 168 observations for the period 2010 to 2015. Based on the Chow-test, the common effect model was preferred. The model is estimated using Ordinary Least Squares method. The results revealed that two hypotheses were not be accepted. There are no significant effects of capital adequacy and credit risk on profitability, but the model explains that there are significant effects of all explanatory variables toward commercial bank profitability. However, other important internal determinants of bank profitability still have not included in the model of this paper.

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Bank Vulnerability and Financial Soundness Testing: The Bank Resilience Index

stress tests. Journal of Banking and Finance (70), 1-22. Longin, F.M. (2000). From Value at Risk to Stress Testing: The extreme value approach. Journal of Banking and Finance (24), 1097-1130. Lopez, J. (2005). Stress tests: Useful complements to financial risk models. FRBSF Economic Letter, 119-124. Peura, S., & Jokivuolle, E. (2004). Simulation based stress tests of banks’ regulatory capital adequacy. Journal of Banking and Finance (28), 1801-1824. Petrella, G., & Resti, A. (2013). Supervisors as

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Developments of the CEE banking sectors after the financial crisis

. Research in International Business and Finance, 21(2), 222-237. Petria N. & Capraru B. & Ihnatov I. (2015). Determinants of banks’ profitability: evidence from EU 27 banking systems. Procedia Economics and Finance, 20, 518 - 524. Radulescu M. & Banica L. & Sinisi C. &Popescu S. (2018). The profitability and capital adequacy in Central and Eastern European countries in the light of the Basel III requirements - a forecast approach. Plos One, forcoming. Raifeissen Bank - CEE Banking Sector: 2015 as a transition year. Retrieved

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Analysis of Some Inner Factors Affecting the Lending Rate and Commercial Bank Behavior
(An Empirical Study Based on the Commercial Banking Sector of Pakistan)

References Ali, K., Akhtar, M.F., Ahmed, H.Z. (2011). Bank-specific and Macroeconomic Indicators of Profitability-empirical Evidence from the Commercial Banks of Pakistan, International Journal of Business and Social Science, 2(6), 235-242. Arifi, E., Durguti, E., Tmava, Q., Kryeziu, N. (2014). Empirical analysis of Basel III Effects in Interest Rate on the Kosovo Banking Systejm. European Scientific Journal, 10(28). Aspal, P.K., Nazneen, A. (2014). An Empirical Analysis of Capital Adequacy in the Indian Private

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