The article proposes a model of credit risk assessment on the basis of factor analysis of retail clients / borrowers in order to ensure predictive control of the level of risk posed by potential clients in commercial banks engaged in consumer lending. The aim of the study is to determine the level of risk represented by different groups (classes) of retail clients (borrowers) in order to reduce...

We consider the evolution of the euro economies of the northern (creditor) and southern (debtor) countries during the euro crisis in terms of an idealized stocks-and-flows, two-country (North-South) model based on four key actors (banks, firms, households and governments) in each country. Each actor is characterized by a stock of money (box) and money flows (hour glases) to neighbouring actors....

banks are one of the most important financial sectors in order to the economic development of each country. certainly, efficiency scores and ranks of banks are significant and effective aspects towards future planning. sometimes the performance of banks must be measured in the presence of undesirable and vague factors. for these reasons in the current paper a procedure based on data envelopment...

This paper investigates the role of economic freedom in banking stability by using a panel data set for the period 1998-2013 in 43 selected countries. We turn our investigation to the effects of economic freedom on banking stability. The effects of economic freedom on financial stability are estimated. This paper calculates the z-score measure for banking stability. The findings from this study ...

The aim of the study was to investigate effect mobile money services on Zambia’s banking sector profitability. Profitability proxied by Return equity (ROE) and Gross interest income (GII). Using Johansen Cointegration approach quarterly data for period 2012Q1 2021Q4, results suggest a positive relationship between commercial banks’ Based results, recommends that there is need banks continuously...

Nowadays, banks are considered as one of the major components of the financial system of a country and any deficits and malfunction in the banking system will negatively affect the performance of the real sector. Therefore, there is a need for more investigation on the behavior of banks and factors affecting those behaviors in a country. One of the issues that affect the behavior of banks is sy...

How does the arrival of a new central-bank issued currency affect commercial banks creating private money? In this paper, we study opening Bank Canada in 1935 and effects banknote issuance monopoly on chartered banks. We use bank-level data to provide evidence that mostly affected by competition experienced lower profitability but did not decrease their lending compared unaffected peers. This a...