Research on the Impact of Digital Transformation on the Business Performance of Commercial Banks

Nowadays,with the development of the digital economy,commercial banks are actively conducting digital transformation.Studying the impact of the digital transformation of commercial banks on their operating performance can help commercial banks form a stronger core competitiveness and promote high-quality financial development.Based on the above background,this article first describes the status and development of digital transformation and development of commercial banks,and secondly analyzes whether Chinese commercial banks’digital transformation is conducive to improving their operating performance.Thirdly,by selecting the data of the listed commercial banks in the ten years of 2012–2022,this article obtains the empirical testing of the digital transformation on different property rights.Finally,the higher the level of digitalization,the higher the digital level,the more significantly promotes the performance of commercial banks.Finally,based on the above analysis,this article puts forward feasibility opinions on commercial banks and related regulators.

The Impact of Foreign Bank Strategies on the Behavior and Performance of Czech and Slovak Banks in the Financial Crisis

In this paper, the authors analyze the impact of the specific ownership structure of the banking sector in Czech and Slovakia on the performance and applied strategies of particular banks during times of crisis. Did the multinational banks pursue a coherent regional strategy to cope with the risks resulting from the crisis, or did they focus on finding local solutions？ The aim of this paper is to find answers to these questions. A case study is going to be used as a basic research method. Two members （Slovak and Czech） of four multinational banking groups are examined in the crisis year 2009, whereby both a qualitative analysis of the annual reports regarding strategic business or risk management decisions and a comparative quantitative analysis of selected financial data and risk indicators are employed. The authors have found that Czech and Slovak banks generally tried to follow the main strategic directions given by their parent banks during the financial crisis. However, particular financial results and risk profiles of respective subsidiaries of multinational banks still differ because of market factors specific to the different countries in which the subsidiaries are located.

Testing the governance-performance relationship for the Tunisian banks: a GMM in system analysis

Rationale:This study aims to contribute to settling the lack of consensus regarding the determinants of bank performance,not only by considering bank governance,but also by including factors such as CEO compensation and risk management committee.Previous literature has included bank governance and considered only large banks in their surveys.The exclusion of other factors such as small-and medium-size banks may render the findings of these studies limited in applicability.Objective:The objective of this paper is to examine the impact of internal governance on bank performance.Methodology:To achieve this goal,we used annual data of a sample of ten Tunisian commercial banks listed in the Tunisian Stock Exchange observed during the period 1998–2015.We use the Generalized Method of Moments(GMM)to estimate the parameters of our econometric model.Results:Our study finds that the correlation between the size of the board of directors,the state’s inclusion,and the presence of independent directors is positive and significant.On the other hand,we have found that CEO compensation,as well as foreign and institutional investors negatively affect the performance of the banks.Conclusions and implications:Tunisian banks are invited to broaden their size through appropriate restructuring,adopt new remuneration policies and define the optimal number of directors representing the state within the board of directors.Our results suggest managerial implications that can be of great value to ensuring the success of Tunisian banks.The latter should favor a higher presence of independent directors to reduce the bank control ineffectiveness caused by having a significant number of foreign and institutional investors in the board of directors.

Diversification, bank performance and risk:have Tunisian banks adopted the new business model?

Background:The objective of this paper is threefold.First,we test the most important factors that determine the level of non-interest income for Tunisian banks.Second,we study the impact of non-interest income on banks’profitability measured by both return on assets(ROA)and return on equity(ROE).Finally,we investigate the relationship between non-interest income and the level of risk taking.Methods:To achieve this goal,we used annual data of 20 Tunisian banks during the period 2005-2012.In the empirical section we performed a Dynamic Panel Data model.Results:Empirical results indicate that the main determinants of non-interest income are:relative performance(RROA and RROE),bank size,loan specialization and new epayments channels,automatic teller machine(ATM)and credit cards.We also find that diversification increases bank performance for both ROA and ROE measures.Eventually,non-interest income appears to be negatively and significantly correlated with the effect on the level of risk.Conclusions:Tunisian banks are invited to more diversify their activities and do not focus only on the traditional activity.The noninterest income seems to be associated with a higher level of profitability and a lower risk.

The Impact of Corporate Governance on Banks Performance and Loan Quality： Evidence From Italian Cooperative Banks

In the banking system, a context characterized by growing instability and by the speed of evolution of business dynamics, the system of corporate governance plays a key role, both for large banks and for banks with a smaller size. The paper aims to investigate the influence of corporate governance of the banks that operate in the cooperative credit system on performance and quality of loans, over the years 2010-2011-2012. In order to achieve this aim, the following research hypotheses have been formulated： There is a statistically significant relationship between the size and the structure of the board and banks Performance operating in the cooperative credit system; there is a statistically significant relationship between the size and structure of the board and the credit quality of banks operating in the cooperative credit system. The analysis is conducted on a sample composed of 48 Italian banks, divided into 24 cooperative banks and 24 popular banks. The sample is made up of banks from all over Italy and very different in terms of dimension. For the sample construction, data relative to governance of banks were collected from the balance sheets in the period from June to August 2014. Financial-economic data were collected from the Financial Statements and from Bankscope database. The methodology of analysis is based on multivariate OLS （ordinary least squares） regression models. The main results refer to the presence of significant relationships between board dimension and the quality of loans and among the number of committees and performance and the quality of loans. The presence of a significant and negative relationship between the board dimension and the ratio of impaired loans to gross loans indicates the possibility that enlargement of board dimension allows a better quality of loans. The presence of a positive relationship between the number of committees and the ratio of impaired loans to gross loans signals the possibility that a greater number of committees can produce a worse quality of loans. The presence of a negative relationship between the number of committees and bank performance suggests to limit and manage the complexity of governance in banks operating in the cooperative credit system.

Neoteric Performance Challenges for Islamic Banks： An Elucidation

This paper aims to examine the challenges posed to the global banking environment with the advent of phenomenal growth in Islamic banking and the changing macroeconomic environment. The paper reviews different approaches to analyze the banking sector performance and the success or failure thereof. The paper also identifies the main factors affecting banking sector performance and their relative impact on the overall stability and resilience of banks. The approach of this paper is more judiciously diagnostic and synthesizing in nature. The paper covers significant studies undertaken in banking sector and synthesizes the nature of elements used to predict the predilection status of Islamic and conventional commercial banks. The findings suggest that return on equity （ROE） and weighted capital adequacy ratio （WCAR） are the most important bank-specific factors that may be used to analyze bank＇s performance. The findings also suggest that not only bank-specific but macroeconomic factors also play an important role in determining a bank＇s performance in an economy, though the effect is usually widespread. Amongst macroeconomic factors, GDP growth rate, inflation, and real interest rate are most common factors affecting bank performance. This research is different from other researches as it takes into consideration the methodological, aeon and acclimatization perspective. Most researches do not see Islamic banking as a challenge to conventional commercial banking and the banking sector in general. The paper not only reviews Islamic banking as a major element of change in the overall banking environment but also as a potential intimidator to the conventional banking stream.

Assessing Financial Performance of Malaysian Islamic and Conventional Commercial Banks Using Financial Ratios

A rapid growth of Islamic banking has led the Malaysian economy to gaining greater prosperity than before. Presently, there are more than 20 Islamic banks operating in Malaysia. Financial ratios calculated from the categories of liquidity, profitability, risk and solvency, and efficiency of banks can be used to gauge the overall financial performance of the banking industry. The objective is to assess the overall performance of Islamic banks as well as conventional banks in Malaysia using financial ratios. The findings indicated that conventional commercial banks in Malaysia do have better quality assets, are more liquid, and are more profitable than Islamic banks. Total expenses in conventional banks are much higher, which may affect profitability and the significant amount of non-performing loans （NPLs）, thus increasing solvency risk. The findings show positive insights of Islamic banks, whose confidence and trust are rising, over a short period with strong improvements in asset utilization, effective management, and expenditure control. This comparative study clearly identified that conventional banks are better financial performers compared to Islamic banks in Malaysia during the period of 2006-2010.

Credit Risk Transfer and the Performance of Commercial Banks --Based on the Panel Data

Based on the panel data, we analyze the US commercial banks＇ CRT. According to the study, we find that the introduction of CRT will increase the level of banks＇ liquid risk. The performance of bank mainly is that its supervision and review of risk will drop, based on the impact of asymmetric information, commercial Banks transfer the bad loans to investors. Through the analysis we can see that after the transfer of credit risk in commercial bank did not increase income and reduce risk. Because commercial Banks can extend more bad loans to expand its lending scale, and bad loans will increase the bank overall risk.

Efcient MCDM Model for Evaluating the Performance of Commercial Banks: A Case Stud

Evaluation of commercial banks(CBs)performance has been a signicant issue in the nancial world and deemed as a multi-criteria decision making(MCDM)model.Numerous research assesses CB performance according to different metrics and standers.As a result of uncertainty in decision-making problems and large economic variations in Egypt,this research proposes a plithogenic based model to evaluate Egyptian commercial banks’performance based on a set of criteria.The proposed model evaluates the top ten Egyptian commercial banks based on three main metrics including nancial,customer satisfaction,and qualitative evaluation,and 19 subcriteria.The proportional importance of the selected criteria is evaluated by the Analytic Hierarchy Process(AHP).Furthermore,the Technique for Order of Preference by Similarity to Ideal Solution(TOPSIS),Vlse Kriterijumska Optimizacija Kompro-misno Resenje(VIKOR),and COmplex PRoportional ASsessment(COPRAS)are adopted to rank the top ten Egyptian banks based on their performance,comparatively.The main role of this research is to apply the proposed integrated MCDM framework under the plithogenic environment to measure the performance of the CBs under uncertainty.All results show that CIB has the best performance while Faisal Islamic Bank and Bank Audi have the least performance among the top 10 CBs in Egypt.

Effect of Employee Orientation on Employee Performance in Commercial Banks in Nigeria

This study examined the effect of employee orientation and employee performance.Survey research design was employed.A sampled of three selected commercial banks in Enugu State,Nigeria.Data for the study were collected through questionnaire administered to the respondents.Using regression analysis,the result shows that employee orientation has a positive significant effect on employee performance of commercial banks in Enugu state,Nigeria.Based on the findings,the study recommended that bank management be able to properly plan and get ready for new hire orientation training in order to satisfy their expectations and create a basis for long-term employee happiness.

MODEL AND PERFORMANCE ANALYSIS OF FMT SYSTEM AND ORTHOGONAL FILTERBANKS

An orthogonal multi-carrier modulation-Filtered Multi-Tone (FMT) modulation, is evaluated in this paper. The objective of this paper is to model the FMT system with polyphase fil- terbank network, design its synthesis/analysis orthogonal filterbanks and analyze their performance. Oversampled and critically sampled cases of FMT system are discussed in detail. Perfect Reconstruc- tion (PR) properties of M parallel orthogonal subchannels in the case of critically sampled is derived from filterbank polyphase decomposition. Diverse types of prototype filters which include Infinite Impulse Response (IIR) and Finite Impulse Response (FIR) are designed and analyzed. Performance analysis of orthogonal filterbanks which are implemented by these prototype filters are proposed and compared respectively. Simulation results of FMT orthogonal filterbanks are presented. In the end, the application prospect of FMT is discussed.

A Study on the Impact of Social Responsibility of Chinese Commercial Banks on Financial Performance from the Perspective of Stakeholders

With the rapid development of global economy and corporate social responsibility in the booming development, with the deterioration of the environment and the lack of resources, under this background, corporate social responsibility has been paid more and more attention. In China＇s market economic system, as a modem economic system core and the hub of commercial, banks is a powerful mechanism to optimize resources the allocation of commercial banks has its special properties, namely business money and risk. Once the banking crisis, It will cause damage to the interests of the shareholders of the depositors, lenders, and other stakeholders, what will be a serious financial crisis. Therefore the commercial banks to fulfill their social responsibility to the society, has very important effect on the economy, influence of social responsibility on the financial performance of commercial banks, especially the social responsibility fi＇om the perspective of stakeholders to fulfill the impact on financial performance in social relations based on Note the focus. Based on stakeholder theory, combined with the actual situation in our country, on the basis of social responsibility report of commercial banks and bank financial statements on the basis of the empirical analysis to verify the influence of social responsibility on the financial performance of commercial banks, namely the social responsibility of commercial banks, the higher the level of positive correlation between financial performance and existence the more significant; instead, the level of social responsibility of commercial banks is low, a negative correlation between financial performance and being more significant.

Automated Clearing System on Deposit Money Banks’Performance:Experience from the Nigerian Banks

This study majorly examined the effect of automated cheque clearing system on banks.Specifically,this study examined the effect of automated cheque clearing system on total deposits of deposit money banks in Nigeria.Data were extracted from the CBN Statistical Bulletin(2020).Using the ordinary least square method of analysis via E-views 10,the findings of the study revealed that deposit money banks’total deposits increased significantly owing to the decline in the value of cheques cleared,since the adoption of the automated cheque clearing system in Nigeria.Guided by the findings of this study,the researcher recommended that the regulatory authorities and banks should continue to liaise with each other on how to improve the efficiency of automated services so as to improve customer satisfaction and patronage.

Effects of thinning on the understory light environment of different stands and the photosynthetic performance and growth of the reforestation species Phoebe bournei

Light levels determine regeneration in stands and a key concern is how to regulate the light environment of different stand types to the requirements of the understory.In this study,we selected three stands typical in south China(a Cryptomeria japonica plantation,a Quercus acutissima plantation,and a mixed stand of both)and three thinning intensities to determine the best understory light environ-ment for 3-year-old Phoebe bournei seedlings.The canopy structure,understory light environment,and photosynthe-sis and growth indicators were assessed following thin-ning.Thinning improved canopy structure and understory light availability of each stand;species composition was the reason for differences in the understory light environ-ment.Under the same thinning intensity,the mixed stand had the greatest light radiation and most balanced spectral composition.P.bournei photosynthesis and growth were closely related to the light environment;all three stands required heavy thinning to create an effective and sustained understory light environment.In a suitable understory light environment,the efficiency of light interception,absorption,and use by seedlings was enhanced,resulting in a higher carbon assimilation the main limiting factor was stomatal conductance.As a shade-avoidance signal,red/far-red radia-tion is a critical factor driving changes in photosynthesis and growth of P.bournei seedlings,and a reduction increased light absorption and use capacity and height:diameter ratios.The growth advantage transformed from diameter to height,enabling seedlings to access more light.Our findings suggest that the regeneration of shade-tolerant species such as P.bournei could be enhanced if a targeted approach to thinning based on stand type was adopted.

Ag-integrated mixed metallic Co-Fe-Ni-Mn hydroxide composite as advanced electrode for high-performance hybrid supercapacitors

Direct growth of redox-active noble metals and rational design of multifunctional electrochemical active materials play crucial roles in developing novel electrode materials for energy storage devices.In this regard,silver(Ag)has attracted great attention in the design of efficient electrodes.Inspired by the house/building process,which means electing the right land,it lays a strong foundation and building essential columns for a complex structure.Herein,we report the construction of multifaceted heterostructure cobalt-iron hydroxide(CFOH)nanowires(NWs)@nickel cobalt manganese hydroxides and/or hydrate(NCMOH)nanosheets(NSs)on the Ag-deposited nickel foam and carbon cloth(i.e.,Ag/NF and Ag/CC)substrates.Moreover,the formation and charge storage mechanism of Ag are described,and these contribute to good conductive and redox chemistry features.The switching architectural integrity of metal and redox materials on metallic frames may significantly boost charge storage and rate performance with noticeable drop in resistance.The as-fabricated Ag@CFOH@NCMOH/NF electrode delivered superior areal capacity value of 2081.9μA h cm^(-2)at 5 mA cm^(-2).Moreover,as-assembled hybrid cell based on NF(HC/NF)device exhibited remarkable areal capacity value of 1.82 mA h cm^(-2)at 5 mA cm^(-2)with excellent rate capability of 74.77%even at 70 mA cm^(-2)Furthermore,HC/NF device achieved maximum energy and power densities of 1.39 mW h cm^(-2)and 42.35 mW cm^(-2),respectively.To verify practical applicability,both devices were also tested to serve as a self-charging station for various portable electronic devices.

Prescribed Performance Tracking Control of Time-Delay Nonlinear Systems With Output Constraints

The problem of prescribed performance tracking control for unknown time-delay nonlinear systems subject to output constraints is dealt with in this paper. In contrast with related works, only the most fundamental requirements, i.e., boundedness and the local Lipschitz condition, are assumed for the allowable time delays. Moreover, we focus on the case where the reference is unknown beforehand, which renders the standard prescribed performance control designs under output constraints infeasible. To conquer these challenges, a novel robust prescribed performance control approach is put forward in this paper.Herein, a reverse tuning function is skillfully constructed and automatically generates a performance envelop for the tracking error. In addition, a unified performance analysis framework based on proof by contradiction and the barrier function is established to reveal the inherent robustness of the control system against the time delays. It turns out that the system output tracks the reference with a preassigned settling time and good accuracy,without constraint violations. A comparative simulation on a two-stage chemical reactor is carried out to illustrate the above theoretical findings.

Design of low-alloying and high-performance solid solution-strengthened copper alloys with element substitution for sustainable development

Solid solution-strengthened copper alloys have the advantages of a simple composition and manufacturing process,high mechanical and electrical comprehensive performances,and low cost;thus,they are widely used in high-speed rail contact wires,electronic component connectors,and other devices.Overcoming the contradiction between low alloying and high performance is an important challenge in the development of solid solution-strengthened copper alloys.Taking the typical solid solution-strengthened alloy Cu-4Zn-1Sn as the research object,we proposed using the element In to replace Zn and Sn to achieve low alloying in this work.Two new alloys,Cu-1.5Zn-1Sn-0.4In and Cu-1.5Zn-0.9Sn-0.6In,were designed and prepared.The total weight percentage content of alloying elements decreased by 43%and 41%,respectively,while the product of ultimate tensile strength(UTS)and electrical conductivity(EC)of the annealed state increased by 14%and 15%.After cold rolling with a 90%reduction,the UTS of the two new alloys reached 576 and 627MPa,respectively,the EC was 44.9%IACS and 42.0%IACS,and the product of UTS and EC(UTS×EC)was 97%and 99%higher than that of the annealed state alloy.The dislocations proliferated greatly in cold-rolled alloys,and the strengthening effects of dislocations reached 332 and 356 MPa,respectively,which is the main reason for the considerable improvement in mechanical properties.

Improvement effect of reversible solid solutions Mg_(2)Ni(Cu)/Mg_(2)Ni(Cu)H_(4)on hydrogen storage performance of MgH_(2)

The hydrogen absorption/desorption kinetic properties of MgH_(2)can be effectively enhanced by doping specific catalysts.In this work,MOFs-derived NiCu@C nanoparticles(~15 nm)with regular core-shell structure were successfully prepared and introduced into MgH_(2)(denoted as MgH_(2)-NiCu@C).The onset and peak temperatures of hydrogen desorption of MgH_(2)-11 wt.%NiCu@C are 175.0℃and282.2℃,respectively.The apparent activation energy of dehydrogenated reaction is 77.2±4.5 kJ/mol for MgH_(2)-11 wt.%NiCu@C,which is lower than half of that of the as-milled MgH_(2).Moreover,MgH_(2)-11 wt.%NiCu@C displays great cyclic stability.The strengthening"hydrogen pumping"effect of reversible solid solutions Mg_(2)Ni(Cu)/Mg_(2)Ni(Cu)H_(4)is proposed to explain the remarkable improvement in hydrogen absorption/desorption kinetic properties of MgH_(2).This work offers a novel perspective for the design of bimetallic nanoparticles and beyond for application in hydrogen storage and other energy related fields.

Optimizing support performances of bolt reaming and anchoring in a coal drift

In current practice of bolt reaming and anchoring of roadways in soft coal and rock mass,resin cartridges bend easily under the strong pushing and stirring of bolts,and the resin accumulates in the bolt-reamed area and does not participate in the stirring.As a result,bolts encounter high drilling resistance and cannot reach the bottom of drillholes.The effective anchorage length is far less than the actual anchorage length.Bolts are not centered,and the shear is misaligned at the joint surface in the reaming area,which leads to cracking of the whole anchoring solid and large shear deformation of bolts.This study systematically analyzes the characteristics of roadway bolt reaming and anchoring.The influences of resin stirring force,bolt pull-out force,and reamingeanchoring solid strength on reamingeanchoring performance were analyzed theoretically.The main purpose is to develop a device that enhances reaming and anchoring.The mechanism through which the device strengthens the reamingeanchoring solid was analyzed theoretically.Numerical simulation and experiments were carried out to verify the improved performance of the small-pore reaming and anchoring using the proposed technology.The results showed that the stirring migration rate of the resin cartridge is greatly improved by adding the device to bolts.The reaction rate of the anchoring mixture,stirring pressure,pull-out force of the reaming and anchoring system,bolt concentricity,and shear and compressive strengths of the anchoring solid are also enhanced in the reaming area.This ensures that the resin cartridge in the reaming area is completely stirred,which greatly improves the shear resistance of the reamingeanchoring solid.Meanwhile,the drilling performance,torsional force,and stirring efficiency of bolts are maximized and prevail over those of conventional bolts.

Health diagnosis of ultrahigh arch dam performance using heterogeneous spatial panel vector model

Currently,more than ten ultrahigh arch dams have been constructed or are being constructed in China.Safety control is essential to long-term operation of these dams.This study employed the flexibility coefficient and plastic complementary energy norm to assess the structural safety of arch dams.A comprehensive analysis was conducted,focusing on differences among conventional methods in characterizing the structural behavior of the Xiaowan arch dam in China.Subsequently,the spatiotemporal characteristics of the measured performance of the Xiaowan dam were explored,including periodicity,convergence,and time-effect characteristics.These findings revealed the governing mechanism of main factors.Furthermore,a heterogeneous spatial panel vector model was developed,considering both common factors and specific factors affecting the safety and performance of arch dams.This model aims to comprehensively illustrate spatial heterogeneity between the entire structure and local regions,introducing a specific effect quantity to characterize local deformation differences.Ultimately,the proposed model was applied to the Xiaowan arch dam,accurately quantifying the spatiotemporal heterogeneity of dam performance.Additionally,the spatiotemporal distri-bution characteristics of environmental load effects on different parts of the dam were reasonably interpreted.Validation of the model prediction enhances its credibility,leading to the formulation of health diagnosis criteria for future long-term operation of the Xiaowan dam.The findings not only enhance the predictive ability and timely control of ultrahigh arch dams'performance but also provide a crucial basis for assessing the effectiveness of engineering treatment measures.