Research on the Impact of the Digital Transformation of Commercial Banks

The development of the digital economy has presented both opportunities and challenges for the transformation of commercial banks.This article aims to conduct a literature review on the impact of digital transformation on commercial banks and to explore the multi-dimensional effects it brings.Through a review and analysis of relevant domestic and international literature,this paper first defines the connotation of digital transformation in commercial banks.It then conducts a literature analysis and research on the strategic governance,business performance,and risk management aspects of the digital transformation of commercial banks from multiple perspectives.Based on the analysis of the existing literature,the paper explores directions for future in-depth research and offers corresponding policy suggestions,providing a theoretical and practical foundation for the future digital development of commercial banks.

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 Mechanism of Internet Finance on the Assets and Business of Commercial Banks in China

Internet finance has structural impact and market impact on commercial banking.Various forms of Internet finance such as third-party payment,crowdfunding,P2P lending,and internet money funds have emerged.Due to their low cost,high efficiency,and diversification characteristics,an increasing number of people are utilizing Internet finance for their businesses.This trend significantly affects traditional commercial banking operations and presents challenges.In order to gain competitive advantages through Internet finance,this paper explores how commercial banks can leverage their traditional business models.It introduces the concept,model,and characteristics of Internet finance;analyzes the importance of asset management for commercial banks;examines the influence of Internet on commercial bank’s asset management;finally proposes countermeasures for the development of Internet finance.It is advocated that commercial banks should actively explore the road of“structured finance”with all-round structural reform in the future.

Mobile Banking and Commercial Bank Performance Nexus in Zimbabwe (2011-2021): Impact and Implications

The study investigated mobile banking and commercial banks’performance nexus in Zimbabwe for the period 2011-2021.The investigation employed a pragmatic approach and a descriptive design.Primary data as well as secondary data were used to achieve the study objectives.Questionnaires,interviews and documentary guides were used to collect primary and secondary data respectively.There were 108 questionnaires distributed to staff members and customers of 6 sampled commercial banks in Zimbabwe having mobile banking experience.The interview guide was administered to bank managers to get a deeper understanding of the topic under research and as a mitigation strategy for addressing the flaws of the questionnaires.Analysis of quantitative data utilised descriptive analysis tools,correlations analysis tools as well as regression analysis tools whereas theme analysis was used for qualitative data.SPSS version 26 was used for this purpose.The study implications established that mobile banking and commercial banks’performance nexus in Zimbabwe was significant and also enhanced mobile banking security capabilities and strengthened commercial banks’performance.The investigation concluded that mobile banking’s success in enhancing commercial banks’performance hinged on its ability to allow the user to get easier,cheaper and timely access to services.However,the study results showed that the cost of mobile banking services,government policies and intense competition inhibited the uptake of banking services.Commercial banks are recommended to continue strengthening the security of mobile banking services and to boost their uptake by bank customers in Zimbabwe.

Modifications on default probability calculation methods of commercial banks in China

This paper analyses two methods of calculating default probability adopted by foreign companies. Then, the paper suggests several methods of calculating loan default probability applicable to commercial banks in China, and gives the inadequacy of historic data in China.

The Efficiency Evaluation of Commercial Banks Based on DEA/TOPSIS

This paper brings forward an efficiency evaluation method based on DEA/FOPSIS for commercial banks. To avoid the slack of output index, the difference is taken into account in the weight of different output index, mending the shortage of traditional DEA evaluation methods.

Application of the Credit Metrics in the Credit Risk Management of Commercial Banks

Credit risk is one of the main risks the commercial banks faces all over the world,especially in the risk structure of the banks of China.In order to control credit risk more scientifically,we shall connect the qualitative analysis and the quantitative analysis.Put forward by J.P.Morgan Credit Metrics model is the application of the VaR in the field of credit risk,showing great advantage in quantitative bonds and credit risk of loan.This paper studies the Credit Metrics model and analyzes the hypothesis and framework of this model,attempting to explore the application of the model in China in order to promote the realization of the risk quantification of the commercial banks of China.

The Impact of New Standard of Financial Instruments on Commercial Banks- A Case Study of Industrial and Commercial Bank of China

In July 2014,《International Financial Reporting Standard 9:Financial Instruments》(Referred to IFRS 9)was formally published. Compared to the former standard,《International Accounting Standard 39: Financial Instruments》(Referred to IAS 39), rules of two main aspects, the classification and measurement of financial assets and the impairment model of financial assets have been changed in IFRS 9. Taking ICBC as an example, this paper studies the impact of changes in financial instruments on commercial banks. The study shows three impacts on commercial banks’ financial report. Firstly, the changes of the classification and measurement of financial assets will have limited impacts on commercial banks. Secondly, the expected-loss model will significantly increase the loan loss reserves under the new standard, thus reducing the net asset and net profit. Thirdly, the change in the measurement way of the equity instruments of available-for-sale securities will increase the fluctuation of the net profit. This study shows investors and regulators the impact of the new standard of financial instruments on commercial banks.

Frontier Analysis of Nepalese Commercial Banks： DEA Approach

The efficiency of any organizations at manufacturing sector or service sector, profit making or non-profit making, is most important factor for survival and growth of the organization. The Data Envelopment Analysis （DEA） technique is one of the most popular and effective tool to measure relative efficiency hence is appropriate to make comparison among similar organizations with multiple output and input. This study performs frontier analysis and measures the relative efficiency of Nepalese commercial banks using DEA approach with two output and two input variables.

Commercial Banks Responses toward Small and Medium Enterprises Survival in the Context of the COVID-19 in Africa

The African government has implemented measures to sustain an investable economic downturn as it navigates the fiscal effect of the viral spread of coronavirus disease 2019(COVID-19).Consequently,commercial banks in Africa have come hand in hand toward support of SMEs activities by increasing their borrowing power and reducing interest rates.Despite all these measures the general performance of small and medium enterprises(SMEs)across Africa as pertains to revenues and profits has gone down.This paper provides a theoretical analysis of the measures undertaken by commercial banks to ensure proper running and continuity of activities in the SMEs sector in Africa.The research is founded on the theories of innovation diffusion and resource-based theory.This study will use a mixed research design,which will include descriptive and explanatory research.The proposed target population will be Africa’s thriving commercial banks.The primary and secondary data will be used from commercial bank reports and the central bureau of statistics reports across Africa.The data will be analyzed using a multiple linear regression model.The finding indicated that commercial banks in Africa have brought in solutions and measures to adapt to the crisis being implicated on the SMEs by the COVID-19 pandemic.Based on the findings of the desktop reviews,the study concludes that commercial banks have a significant influence on SMEs during this period of COVID-19,and with the assistance of the government,they have implemented more policies to support the activities of SMEs.

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.

Comparison of Earnings Power between State Commercial Banks and Stock Banks

As earnings power is one of the primary capacities for commercial banks, by analyzing several indexes on banks' operation performance, this article compared the earnings power between the state banks and the stock banks in China. Through the analysis, some problems of domestic banks may be found and pointed out that the commercial bank should stress on the target of profit maximum to avoid the financial risks. With enough earnings power, the domestic banks can take the challenge with those foreign banks entering domestic money market.

The impact of gross domestic product on the financing and investment efficiency of China’s commercial banks

China’s commercial banks have developed at a very rapid speed in recent decades.However,with global economic development slowing down,the impact of gross domestic product growth as an exogenous factor cannot be ignored.Most existing studies only consider the internal factors of banks,and neglect their external economic factors.This study thus adopts an undesirable dynamic slacks-based measure under an exogenous model in combination with the Kernel density curve to explore the efficiency of state-owned commercial banks(SOCBs),joint-stock commercial banks(JSCBs),and urban commercial banks(UCBs)in China from 2012 to 2018.The results show that SOCBs have the highest overall efficiency,followed by JSCBs,then UCBs.The efficiencies of SOCBs,JSCBs,and UCBs in the financing stage are greater than those in the investment stage,indicating that the latter stage brings down overall efficiency.Thus,all commercial banks need to focus on the efficiency of non-performing loans and return on capital.Finally,SOCBs need to strengthen internal controls,reduce non-performing loans and improve return on capital.JSCBs should actively expand its business while controlling costs,and UCBs should optimize its management.

Causes and solutions of non-performing loan in Chinese commercial banks

Non-Performing Loan （NPL） is one of the concrete embodiments of credit risk which banks take. NPL is a huge puzzle for Chinese commercial banks, so how to enhance risk management to improve assets quality and lower down NPL are of great importance to those banks.

Corporate Social Responsibility Practices in Bangladesh： A Statistical Analysis on State-Owned ＆ Private Commercial Banks

Corporate Social Responsibility （CSR） is integral and inseparable part of the long term business and sustainable growth and success, which plays an important role in promoting values both locally and internationally and usually is noticed as a developed-country sensation. As such, a great figure of literature on social arrangement of organizations has appeared in the perspective of developed states. CSR is an assurance of the organizations to action morally and add to financial progress of the people while improving the worth of the life of the employees and the local public in general. All over the world, CSR is essential for the organizations to confirm its sustainability. Though, CSR is a worldwide issue and all organizations practice it to some degree. In this paper, the authors made a determination to explain CSR and the related matter, and scrutinize the well-being performances of some State-Owned Commercial and Private Commercial Banks in Bangladesh. As the central bank of Bangladesh, ＂Bangladesh Bank＂ has advised the commercial banks to play an effective part in the well-being of people. Therefore, this paper is an attempt to discover the degree to which the mentioned banks in Bangladesh accomplish their CSR activities and to search the level of revelation for CSR in their annual reports. The research has been directed with secondary data collected from the annual reports of the mentioned banks of more than a few years. Against this backdrop, this paper debates the situation prevailing practices of CSR in mentioned banks. The paper presented here in the three fold continuingly reviews the literature concerning CSR in the context of the contemporary world; inspects the well-being practices and presents the data of CSR practices of the mentioned banks and lastly presents the limitations and recommendations for better CSR practices of the mentioned banks in Bangladesh.

Supervision of higher executives in commercial banks --From the view of game theory

After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions between the higher executives and administrative sections and further construes with cost and benefit utility model, and finally put up some countermeasures.

Research Risk Factors and Management Competence of Vietnam Commercial Banks from 2006-2020

Banks are various credit institutions that perform all bank activities and other business activities. According to the nature and objectives of operation, types of banks include all the commercial banks, development banks, investment banks, policy banks, joint stock banks and other types of banks.

The Impact of Bank-Specific and Macroeconomic Factors on Non-performing Loans in Sri Lankan Commercial Banks

The main purpose of this study is to ascertain the effect of bank-specific and macroeconomic factors on non-performing loans in systemically and non-systemically important commercial banks in Sri Lanka over 10 year’s period from 2004 to 2013.Also,the study examines the impact of civil war that prevailed in the country for 30 years on the ex-post credit risk of the banking sector.The study employed panel data methodology to investigate the effect of bank-specific and macroeconomic factors on non-performing loans.Panel unit root test has been undertaken in order to test the stationary of the variables.Hausman test and Wald coefficient restriction test were used to select the appropriate model out of pooled,random,and fixed effect.A dummy variable panel regression model adopted to study the war effect,considering 2009 as the structural year.Findings revealed that return on assets as a proxy for bank efficiency has a significant negative influence,while non-interest income as a proxy for income diversity is positively correlated with non-performing loans of systemically important banks.Both real gross domestic products and lending rates were highly significant in both bank types.On contrary with literature,growth in bank branches is negatively correlated.Public banks do not account for higher level of non-performing loans compared to their private counterpart.Finally,it was identified that civil war had an effect on the level of non-performing loans in commercial banks.The research would have benefited if the analysis is carried out among classified types of loans offered by commercial banks.Future researchers should involve in identifying the most significant contributing loan type to the non-performing loans and its determinants.This study is one of the few studies which have investigated the causes of non-performing loans in the commercial banking industry in Sri Lanka.The analysis of civil war and its impact on non-performing loans is the first study of that nature to be conducted in the context.

The Relationship Between Credit Risk Management and Profitability Among the Commercial Banks in Kenya

Banks operate in an environment of considerable risks and uncertainty. Credit risk has always been a vicinity of concern not only to bankers but to all in the business world because the risks of a trading partner not fulfilling his obligations in full on due date can seriously jeopardize the affairs of the other partner. Credit risk management in banks has become more important not only because of the series of financial crisis that the world has experienced in the recent past, but also the introduction of Basel II Accord. The objective of the study was to establish the relationship between credit risk management and profitability in commercial banks in Kenya, Both qualitative and quantitative methods were used in order to fulfill the main purpose of the study. A regression model was used to do the empirical analysis. The results obtained from the regression model show that there is an effect of credit risk management on profitability at a reasonable level. The findings and analysis reveal that credit risk management has an effect on profitability in all the commercial banks analyzed.