The primary objective of this research is to examine the relationship between Good Corporate Governance (GCG), value chain, and bank asset growth in Indonesian State-Owned banks. Additionally, this study aims to determine whether value chain mediates the relationship between GCG and bank asset growth. This research employs a quantitative method. Data is collected using a questionnaire with a Likert scale ranging from 1 to 7. The respondents in this study are employees and managers working in state-owned banks in Indonesia. The total sample size used in this research is 239 samples. Data analysis is conducted using SmartPLS 4 software. The results of this study demonstrate that GCG has a significant positive relationship with the value chain of the bank. However, the direct relationship between GCG and bank asset growth is not statistically significant. The results of the mediation analysis show that value chain mediates the relationship between GCG and bank asset growth, emphasizing the critical role of value chain in optimizing the impact of GCG on bank asset growth.

The study is conducted on the management factors affecting talent turnover in the banks’ credit card centers. For this purpose, the primary data are gathered from 73 respondents of credit card departments of banks listed in Pakistan Stock Exchange (PSX). Reliability test of questionnaire items, chi-square test, cross-tab, relational and regression analyses are used to analyze the interactions among variables. The study finds that work pressure and industrial development prospectus have positive linkage with dimensions of employee loyalty and talent turnover while compensation and benefits, promotion opportunities, management communication and work responsibilities are negatively associated with dimensions of employee loyalty and talent turnover. Conclusively, the study finds the following aspects as the main causes of talent turnover; loyalty imbalance, small promotion space and unstable working conditions. The prime cause of talent turnover in banks’ credit card businesses is loyalty imbalance. The study suggests banking firms to focus on trainings, recruitment and employees’ professional development with active characteristics of work to reduce the talent turnover rate. The banking firms should also provide opportunities to their employees to show their abilities and expertise.

Employees working in the financial industry, especially banking staff, suffers from strong occupational stress. This study aims to demonstrate the impact of occupational stress on job satisfaction and job performance of banking credit officers. Research data were collected from 290 bank credit officers working in the commercial banking system in Vietnam. Structural Equation Modeling was applied to analyze the data. The study finds that occupational stress negatively affects job satisfaction and job performance. Besides, job satisfaction has a positive impact on employees’ performance. The research result is a helpful tool for bank managers and employees to control work pressure as well as improve job satisfaction and work outcomes.

The introduction of derivatives at the financial market of the United Arab Emirate (UAE) is to enhance liquidity and broadens the range of securities. This is because it brings exciting opportunities for investors to diversify their investment in an efficient and cost-effective way. Evidence from previous studies has shown that financial market derivatives help to reduce risk. Even though trading losses produced by unsuitable derivative activity are frequently big enough to create financial problems and even bankruptcy, there is minimal research on how bank profitability and performance are affected. The study examines the determinants of financial derivatives on the performance of commercial banks in UAE and the financial risk exposure between derivatives financial assets and derivatives financial liabilities. The research employs Pecking order theory, panel ARDL and data from 30 commercial banks’ financial statements in 2020 in UAE. The study found that an increase in the level of return on assets will create an increase in traded financial derivatives that will enhance bank performance by a high level of percentage. Stability of the banking sector in UAE is recommended to enhance better performances of commercial banks on financial derivatives in UAE.

This paper focuses on identifying the effects of attitude, trust, switching cost on loyalty of individual customers in commercial banks in Ho Chi Minh City. Based on a sample of 282 customers, the paper employs Frequencies, Cronbach's Alpha test, Exploratory Factor Analysis (EFA), Affirmative Factor Analysis (CFA) and Structural Equation Model (SEM) for analysis. The results show that the Attitude had a positive impact on Trust, Loyalty; Trust and Switching cost positively affects Loyalty.

This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.

Data Envelopment Analysis (DEA) is a well-known method used to measure the efficiency of decision making units. In this paper, we study the impact of the financial crisis while integrating DEA efficiency measures with Support Vector Machines (SVM). Moreover, to account for the heterogeneity effect in the efficiency measures, the gap statistical method of Tibshirani, et al., (2001) [Tibshirani, R., Walther, G., & Hastie, T. (2001). Estimating the number of clusters in a data set via the gap statistic. Journal of the Royal Statistical Society: Series B (Statistical Methodology), 63(2), 411-423.] is applied in order to achieve the optimal number of cluster. This study uses December quarterly panel data consisting of Farm Credit Agricultural Banks data from 2005 to 2016. We find strong evidence that the efficiency measures were stationary prior to the financial crisis (2005-2006), during the financial crisis (2007-2009) and post financial crisis (2010-2016). The results further show that the integrated DEA-SVM provide a lower performance during 2007-2009. Furthermore, the results show that the Agricultural banking sector was both efficient and stable over the period being analysed.

This investigation tries to examine correlation between clandestine advertisement and organizational strategy in brand management via available sources and by using a field study. In fact, it intends to raise the question “Are clandestine advertisement and organizational strategy effective in management of products brands?” This is an applied and descriptive-approaching study. The study chooses a sample of 171 regular customers who do their day-to-day banking business activities through an Iranian bank named Sepah bank in city of Tehran, Iran. Using structural equation modeling, the study confirms a positive and meaningful relationship between clandestine advertisement and organizational strategy in brand management.

This study aims to investigate the effect of risk management on earnings volatility on shares of banks listed in Tehran Stock Exchange. The statistical population includes all 20 listed banks in Tehran Stock Exchange over the period 2009-2015. As the number of listed banks in Tehran Stock Exchange was limited, census method and multiple regressions in panel data were used to collect the data and to test the hypotheses, respectively. In this study, earnings volatility was calculated given in Dichev and Tang (2009) [Dichev, I. D., & Tang, V. W. (2009). Earnings volatility and earnings predictability. Journal of Accounting and Economics, 47(1), 160-181.]. The results indicate that the coefficient of risk management was -0.20 with Sig. = 0.002; therefore risk management maintains a negative effect on banks’ profitability volatility. In addition, stock return coefficient is 0.0053 (Sig. = 0.000) which indicates a positive effect on earnings volatility. The coefficients of dividend ratio, firm size and liquidity ratio were 0.023, 0.071 and 0.059, respectively and they have significant and positive effect on earnings volatility.

Banks are principally in the interest earning business. The interest earning nature of banks comes with the amount of loans that banks are able to advance to their customers. To ensure that the stream of interest is not treacherous, banks must put in place stringent credit risk management practices. In this study, we investigate credit risk and default among Ghanaian banks and how these banks are coping with such pressures. Using a survey method, we found that though varied in nature, all the banks have some form of credit management procedures put in place to manage their loan portfolios. We found loan application processes to be bank specific. However, there are some common requirements that banks usually demand from customers in the process of assessing their suitability for a loan. We also found most of the credit management practices of banks to be consistent with the CAMPARI model. We recommend that the Central Bank facilitate in the establishment of a vibrant credit-referencing bureau in order to provide credit history of customers of the banks.