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Banking and the Economy I
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Banking and the Economy I

A special issue of Journal of Risk and Financial Management (ISSN 1911-8074). This special issue belongs to the section "Banking and Finance".

Deadline for manuscript submissions: closed (28 June 2023) | Viewed by 9673

Special Issue Editor

Dr. Yong Tan

E-Mail Website
Guest Editor
School of Management, University of Bradford, Bradford BD7 1DP, West Yorkshire, UK
Interests: performance evaluation; data envelopment analysis; financial economics; risk management; sustainable development; sustainability; banking; market structure; panel data analysis
Special Issues, Collections and Topics in MDPI journals

Special Issue Information

Dear Colleagues,

In the financial system, the banking sector plays an important role in channeling the funds from one party with extra money to one with investment opportunities, through which economic efficiency has been improved and economic growth has been achieved. The government and banking regulatory authorities pay great attention to the performance and sustainable development of the banking sector. In academia, researchers have comprehensively investigated the issues around the banking industry in order to generate policy implications to further enhance healthy development in the banking industry.

The first area in the evaluation of issues in the banking sector will be around bank performance, without which banks would not be able to function well as a financial intermediary; this will further have a negative influence on economic activity. Therefore, this Special Issue would be interested in studies investigating various aspects of bank performance, including bank efficiency, bank productivity, as well as bank profitability.

Due to the global financial crisis over the period of 2007–2009, in an international context, all the countries around the world have been aware of the importance of bank stability. If we say that performance is related to the good function of commercial banks, stability is more related to the banks functioning well long term. Therefore, the current Special Issue would particularly welcome contributions in the area of investigations into stability in the banking sector. In other words, we shall try to answer the following research questions through potential contributions: (1) What is the situation of stability in a specific banking sector? (2) How can we further improve banking sector stability (what are the factors influencing stability in the banking sector)?

It is well known that the banking sector is a very profitable industry compared to other economic sectors and, as argued previously, the government or the regulatory authorities have been aware of the importance of sustainable development in the banking sector. The stability discussed above is one component of sustainability, while other aspects of sustainability focus more on the banks’ return to the society or the economy. In other words, banks should undertake responsible behavior when engaging in different types of businesses. This Special Issue would like to see empirical studies addressing the issues of corporate social responsibility in the banking sector and what the benefits/costs of undertaking this are.

Finally, due to the importance and the special funds channeling character of the banking sector, empirical research should look into not only the microlevel issues within banks or the banking industry, but more attempts should be made to examine the interactions between the banking industry and other sectors of the economy and the interrelationships between the banking industry and the economy. Therefore, this Special Issue welcomes contributions from empirical studies concerning the issues regarding the relationship between banking with small businesses, the relationship between banking and the real estate sector, and the relationships with other industries. Further, at a macroeconomic level, the Special Issue would like to see investigations in terms of the relationships between the banking sector and economic growth, the relationship between the banking sector and innovation, and the relationship between the banking sector and corruption, among others.

In summary, the Special Issue will be focusing on, but not limited to, the following topics:

  1. Investigation of bank performance;
  2. Examination of bank stability;
  3. Evaluation of corporate social responsibility/sustainability in banking;
  4. Assessment of the relationship between the banking industry and other sectors of the economy;
  5. Investigation regarding the relationship between the banking industry and the economy.

The Special Issue welcomes empirical banking studies addressing the above issues, and we will also be very interested in looking at studies using advanced operational research methods to investigate the issues above, in particular in the area of bank efficiency and productivity.

If you have any questions, please contact me at: [email protected].

Dr. Yong Tan
Guest Editor

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 100 words) can be sent to the Editorial Office for announcement on this website.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Journal of Risk and Financial Management is an international peer-reviewed open access monthly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1400 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

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Published Papers (3 papers)

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Research

20 pages, 1327 KiB  
Article
Bank Profitability Analysis in China: Stochastic Frontier Approach
by Bingbing Shen, Aleksandr Aleksandrovich Perfilev, Lidiya Pavlovna Bufetova and Xueyan Li
J. Risk Financial Manag. 2023, 16(4), 243; https://doi.org/10.3390/jrfm16040243 - 16 Apr 2023
Cited by 5 | Viewed by 3667
Abstract
China’s banking system has a relatively high level of state control, while an important task in regulating the banking system is to manage the profitability of banks. Using the stochastic frontier approach to assess the profitability of commercial banks not only allows for [...] Read more.
China’s banking system has a relatively high level of state control, while an important task in regulating the banking system is to manage the profitability of banks. Using the stochastic frontier approach to assess the profitability of commercial banks not only allows for the bank’s ability to generate profits relative to the leading banks in the industry to be assessed but also takes into account the specifics of the management technologies used and the influence of the market environment. This article analyzes the profitability of the Chinese banking system for the period 2012–2020 using the stochastic frontier approach from the position of the central bank. The specifics of the analysis from the bank’s perspective imply a focus on the position of most banks regarding the level of best practices and trends in changing the overall level of profitability. Analysis may be of interest to banking regulators and researchers. In general, the Chinese banking system demonstrates a high level of profit efficiency and cost efficiency, although the dynamics of these indicators are negative. The reason for the negative dynamics is a decrease in the economic growth rate of the economy, the instability of the financial market and ongoing reforms. State-owned commercial banks are becoming highly profitable, while national joint-stock commercial banks are facing increasing competition and reducing efficiency of profitability. City and rural commercial banks maintain a high level of profitability due to state support. Full article
(This article belongs to the Special Issue Banking and the Economy I)
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17 pages, 362 KiB  
Article
The Robustness of the Determinants of Overall Bank Risks in the MENA Region
by Tarek Eldomiaty, Amr Youssef and Heba Mahrous
J. Risk Financial Manag. 2022, 15(10), 445; https://doi.org/10.3390/jrfm15100445 - 30 Sep 2022
Cited by 2 | Viewed by 2410
Abstract
Purpose: The banking sector in the MENA region is exposed to financial risks that originate from both the internal and external environment. Related studies in the literature have reached inconclusive determinants of the overall risks to banks. This paper examines the robustness of [...] Read more.
Purpose: The banking sector in the MENA region is exposed to financial risks that originate from both the internal and external environment. Related studies in the literature have reached inconclusive determinants of the overall risks to banks. This paper examines the robustness of the determinants cited in the related literature. Design/methodology/approach: This paper examines the country-specific and bank-specific factors that affect banks’ Z-score (being a proxy for the overall bank risks) in the MENA region. The sample banks consist of 33 listed commercial banks operating in six countries in the MENA region. Balanced panel data over 20 years (2000 to 2020) was examined, having a total of 660 observations. The Pooled Ordinary Least Square estimation (OLS) was used to carry out the empirical analysis. Findings: The findings of this paper showed that the robust determinants of overall bank risks are follows: (a) The unemployment rate had a negative effect on high overall bank risks in the period 2000–2010, (b) The financial crisis had a positive effect on the MENA overall bank risks in the period 2000–2010, but only for the low overall bank risks, (c) A robust and negative effect of cost/income ratio was observed in the period 2010–2020 only for high overall bank risk, (d) Low overall-risk banks were able to manage overall risks in a shorter time than high overall bank risks, and (e) In terms of the country-wide effect, the results for Egypt only showed that the overall bank risk had positive effects in the period 2000–2010, but negative and significant effects in the period 2011–2020 where overall bank risks reduced. Originality: This paper offers robust findings in the controversy around the determinants of overall bank risks in the MENA region, which is beneficial in light of the fact that the literature thus far has not reached a consensus regarding this issue. Full article
(This article belongs to the Special Issue Banking and the Economy I)
27 pages, 455 KiB  
Article
Board Attributes and Bank Performance in Light of Saudi Corporate Governance Regulations
by Omer Saeed Habtoor
J. Risk Financial Manag. 2022, 15(10), 441; https://doi.org/10.3390/jrfm15100441 - 28 Sep 2022
Cited by 6 | Viewed by 3027
Abstract
This study investigates the relationship between various attributes of boards of directors on bank performance in light of Saudi corporate governance regulations. The data set of this study is extracted from the annual reports of all 12 banks listed on the Saudi Stock [...] Read more.
This study investigates the relationship between various attributes of boards of directors on bank performance in light of Saudi corporate governance regulations. The data set of this study is extracted from the annual reports of all 12 banks listed on the Saudi Stock Exchange (Tadawul) over a period of 10 years from 2009 to 2018. To test the study hypotheses, check the robustness of the results, and address potential endogeneity issues, this study applies different statistical methods, including FGLS, OLS, RE, PLCSE, and 2SLS, using STATA version 17. The results of multivariate analysis show that board size has a significant positive influence only on operational bank performance (ROA). For board composition, the results show that while board independence has a significant negative impact on accounting-based performance (ROA and ROE), it affects positively and significantly the market-based performance (Tobin’s Q). Regarding board education, the results indicate that board members with at least a Bachelor’s degree have a significant negative impact on ROA and ROE. In contrast, PhD holders on the board have a significant positive impact on ROA and ROE, while Master’s holders affect positively and significantly all measures of bank performance. With respect to board diversity, only the CEO nationality has a significant positive effect on ROA and ROE. Board IT experience is found to be significantly and positively associated with ROA and ROE, while board meeting attendance has a significant positive influence only on ROE. These findings have important implications, especially for Saudi regulatory authorities to assess the current practice and compliance with the Saudi corporate governance regulations (SCGRs) and the principles of corporate governance for banks operating in Saudi Arabia (PCGB) regarding board characteristics and provide insights to improve board effectiveness and corporate governance practice in general. Full article
(This article belongs to the Special Issue Banking and the Economy I)
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