Introduction to Capital Adequacy

A multiple linear regression model is used to assess the impact of six bank-specific variables (Return on Equity, return on assets, size of the bank, liquidity gaps, non-performing loans and capital adequacy ratio) on the liquidity risk of UAE Islamic banks.

The purpose of this research is to examine the effect of the minimum capital adequacy ratio, the ratio of non-performing loans, operating costs and operating income, and company size on profitability.

This research aimed to know and analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Operational Efficiency (BOPO) against profitability (ROA) of Islamic commercial bank in Indonesia from 2015-2019.

— This study aims to determine the effect of Third Party Funds on Liquidity, the effect of Capital Adequacy Ratio (CAR) on Liquidity, the effect of Non Performing Financing (NPF) on Liquidity, and the influence of Third Party Funds, Capital Adequacy Ratio (CAR), and Non Performing Financing ( NPF) against Liquidity.

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Suku  Bunga, Dana Pihak Ketiga, dan Capital Adequacy Ratio terhadap Pembiaayan Murabahah di Bank Syariah khususnya pada PT Bank Muamalat Indonesia Tbk tahun 2012 sampai 2019 secara parsial maupun simultan.

Penelitian ini bertujuan untuk melihat pengaruh CAR ( Capital Adequacy Ratio ) , LDR ( Loan to Deposit Ratio ),  NIM ( Net Interest Margin ),  BOPO (Beban Operasional Pendapatan Operasional ) terhadap ROA ( Return on Assets ) pada sektor perbankan Bursa Efek Indonesia tahun 2016-2018.

Rasio keuangan yang digunakan adalah Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM) terhadap pertumbuhan laba Bank BUMN.

It was found that the components of bank soundness (Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG)), inflation and the BI Rate do not affect the profits growth of regional development banks.

This article assesses the financial stability of PJSC “Sberbank of Russia” based on an analysis of the main groups of its performance indicators for 2007-2019: capital adequacy, asset quality, management efficiency, profitability and liquidity.

This study examines the explanatory power of capital adequacy, asset quality, management soundness, earnings quality, liquidity and sensitivity to market risk (CAMELS) framework as well as a number of other variables on the financial soundness (measured by regulatory capital adequacy ratios) of banks in Nigeria.

CAMEL analysis has five aspects, namely capital aspects using CAR (Capital Adequacy Ratio) ratio, asset quality aspects using KAP (Productive Asset Quality) ratio, management aspects using NPM (Net Profit Margin) ratio, profitability aspect uses ROA (Return on asset ratio) ) and BOPO (Operating Expenses to Operating Income), and Liquidity use the LDR (Loan to Deposit Ratio) ratio.

This study used return on assets as a real measurement of financial performance, whereas the capital adequacy ratio, asset quality and liquidity management were used as exogenous determinants of financial performance.

The research paper has been ended up wholly relied on the annual reports of five years data from 2015 to 2019, and some definite data is collected from the annual reports such as return on investment, capital adequacy ratio, cost-income ratio, debt-equity, nonperforming loan.

Multiple regression analysis has been conducted to know whether the significant relationship is available between the extent of disclosure and the specific characteristics of banks and the evidence confirm that the significant relationship is existing between the extent of disclosure and earnings per share, return on assets as well as net profit but not between the disclosure scores and capital adequacy ratio, debt-equity ratio, current ratio, loan deposit ratio, market capitalization ratio as well as total assets.

Variabel dependen dalam penelitian ini adalah tingkat bagi hasil deposito mudharabah, sedangkan variabel independen adalah Financing to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio,  Inflasi dan BI 7-Day Rate.

Hipotesis dalam penelitian ini adalah: (Ha 1 ) terdapat pengaruh signifikan variabel Capital Adequacy Ratio (CAR) terhadap Non Performing Financing (NPF) pada BPRS Indonesia, (Ha 2 ) terdapat pengaruh signifikan variabel Biaya Operasional Per Pendapatan Operasional (BOPO) terhadap Non Performing Financing (NPF), (Ha 3 ) terdapat pengaruh signifikan antaran variabel CAR dan BOPO terhadap Non Performing Financing (NPF).

Abstrak Tujuan dari penelitian ini untuk mengetahui pengaruh Capital Adequacy Ratio, Non Performing Finance, Net Profit Margin, Return On Assets, dan Finance to Deposit Ratio terhadap Pertumbuhan Laba pada bank umum syariah yang terdaftar di otoritas jasa keuangan periode 2015-2018.

Tujuan dari penelitian ini adalah untuk menganalisis hubungan antara Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK),  Non  Performing  Financing  (NPF) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Produk  Pembiayaan  Perbankan Syariah yang telah terdaftar di Bursa Efek Indonesia.

Dana Pihak Ketiga (DPK), Non Per­for­ming Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan suku bunga secara bersama-sama berpengaruh signifikan terhadap penyaluran kredit.

Dari hasil penelitian menemukan bahwa Dana Pihak Ketiga berpengaruh signifikan terhadap Pembiayaan, sedangkan Non Performing Financing dan Capital Adequacy Ratio tidak berpengaruh signifikan terhadap Pembiayaan.

The paper analyzes the evolution of the introduction of international standards for bank capital regulation The aim of the research is to study international standards for bank capital regulation and their impact on financial stability and sustainability of domestic banking systems The 2007-2009 Global Financial Crisis was perhaps the greatest banking and financial crisis since bank failures and the financial panic of the Great Depression in early 1930s According to academics and professionals, there has been much debate over the last decade as to whether the 2007-2009 banking crisis was primarily a solvency crisis or a liquidity crisis Capital adequacy of banks today is the main indicator of increasing society's confidence in banking systems The flexible and balanced implementation of Basel Committee on Banking Supervision (BCBS) recommendations on the assessment of bank capital adequacy is of particular importance in the context of the deepening economic crisis caused by COVID-19 quarantine restrictions Regulation of bank capital is primarily settles by the ability to execute basic functions inherent in it A number of shocks in connection with the crisis require the renewal and search for a new paradigm of regulation, which today is focused on achieving financial stability, overcoming pro-cyclicality, especially in the banking sector One of the latest developments in the field of bank capital regulation has been the implementation of international banking supervision standards recommended by BCBS, which have been transformed from Basel I, Basel II, Basel III, Basel 3 5 to Basel IV The new ideology suggests that in times of financial and economic crisis or in anticipation of growing uncertainty in the economy, it is necessary to abandon the idea of bank capital management and the creation of financial reserves to maintain liquidity and stability of financial institutions These measures will not be able to protect the bank from default and bankruptcy This ideology has become a new paradigm of effective banking regulation, which can be formulated as an accepted set of three vectors: risk;risk management;risk-oriented supervision.

The result of the research shows that there is a significant difference between conventional bank financial performance and financial performance of sharia bank seen from Capital Adequacy Ratio (CAR), Net Profit Margin (NPM) and Loan to Deposit Ratio (LDR).

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Suku  Bunga, Dana Pihak Ketiga, dan Capital Adequacy Ratio terhadap Pembiaayan Murabahah di Bank Syariah khususnya pada PT Bank Muamalat Indonesia Tbk tahun 2012 sampai 2019 secara parsial maupun simultan.

Hasil uji t menunjukkan bahwa variabel GCG yang diproksikan dengan d ewan d ireksi berpengaruh positif terhadap Return On Asset (ROA) dan variabel intellectual capital berpengaruh positif signifikan terhadap Return on assets (ROA) dan Capital Adequacy Ratio (CAR).

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap Return on Asset (ROA) pada Perbankan yang Terdaftar di Bursa Efek Indonesia.

Abstrak Tujuan dari penelitian ini untuk mengetahui pengaruh Capital Adequacy Ratio, Non Performing Finance, Net Profit Margin, Return On Assets, dan Finance to Deposit Ratio terhadap Pertumbuhan Laba pada bank umum syariah yang terdaftar di otoritas jasa keuangan periode 2015-2018.

Variable capital adequacy ratio has a positive and significant effect on the variable value of the company.

Dalam penulisan ini, penulis menganalisis ada tidaknya pengaruh dari variable Capital Adequacy Ratio (CAR), variable Non Performing Loan (NPL) dan variable Biaya Operasional Pendapatan Operasional (BOPO) terhadap pertumbuhan Laba pada Bank umum yang terdaftar di Bursa Efek Indonesia.

The purpose of this research is to examine the effect of the minimum capital adequacy ratio, the ratio of non-performing loans, operating costs and operating income, and company size on profitability.

However, only one bank fails to meet the minimum capital adequacy threshold.

Penelitian ini bertujuan untuk mengetahui pengaruh dari variabel Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Profitabilitas Perbankan yang diproksikan dengan ROA.

Penelitian ini bertujuan untuk mengetahui pengaruh variabel capital adequacy ratio terhadap return on asset, mengetahui pengaruh variabeel ukuran bank terhadap return on asset, mengetahui pengaruh variabeel resiko pembiayaan terhadap return on asset, mengetahui pengaruh variabel capital adequacy ratio, ukuran bank dan resiko pembiayaan terhadap return on asset.

Tujuan dari penelitian ini adalah untuk menganalisis hubungan antara Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK),  Non  Performing  Financing  (NPF) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Produk  Pembiayaan  Perbankan Syariah yang telah terdaftar di Bursa Efek Indonesia.

Hasil dari penelitian ini menunjukan adanya pengaruh positif signifikan antara Capital Adequacy Ratio (CAR) , Profitabilitas, Konsentrasi Perbankan, Kredit Domestik terhadap Pihak Swasta, dan Current Account terhadap risiko perbankan.

This study evaluated the impact of liquidity on banks’ performance to analyze how their competitiveness influences capital adequacy and assessed the correlation between loans and advances and deposit money banks’ profitability.

This study examines the influence Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) toward Profitability for Non-Foreign Exchange Commercial Bank in Indonesia.

The purpose of this study is to conclude the factors that affect bank capital adequacy ratios.

This cycle overlapped with both rising bank capital adequacy ratios and the global financial crisis of 2007/8.

Rasio keuangan yang digunakan adalah Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM) terhadap pertumbuhan laba Bank BUMN.

Sedangkan variabel perbankan yang digunakan adalah Capital Adequacy Ratio , Non Performing Financing , Financing to Deposite Ratio , Biaya Operational dan Pendapatan Operational, serta variabel return on asset.

Penelitian ini bertujuan untuk mengukur efek dari capital adequacy ratio, BI7DRR , dan inflasi terhadap Penyaluran Kredit UMKM pada Kelompok Bank di Indonesia.

Tujuan dilakukannya penelitian ini yaitu untuk mengetahui dan juga menganalisa mengenai pengaruh dari Capital Adequacy Ratio (CAR), Non Performing  Financing (NPF)  dan Financing to Deposite Ratio Terhadap Return On Asset (ROA) pada PT Bank Syariah Mandiri.

PurposeThe introduction of Basel capital adequacy standards (I, II and III) has provoked a large body of empirical and theoretical literature that aimed to detect the consequences of risk-based capital rules on bank lending behaviour and credit availability (and the possible emergence of the credit crunch phenomenon), and came up with divergent conclusions.

The purpose of this study is to analyze the effect of liquidity management and BASEL capital adequacy on financial distress resolution in Nigeria.

The Basel III Accord tightens capital adequacy requirements for banks by increasing the minimum Tier 1 regulatory capital threshold from 4 to 6 percent.

The Basel III Accord tightens capital adequacy requirements for banks by increasing the minimum Tier 1 regulatory capital threshold from 4 to 6 percent.

What is the impact of the excess capital adequacy ratio (CAR) on excessive credit growth and inflationary pressures? Did excess CAR neutralise the repo rate adjustments? Evidence shows that excess CAR dampens the impact of demand shocks on credit growth and GDP growth in line with the intended primary purpose of countering the amplitude and duration of the financial and business cycles.

Are excess capital adequacy ratio (CAR) and excess liquid asset holdings (LAH) of banks conduits in the transmission of capital inflows and outflow shocks on credit growth and the reallocation of sectorial credit shares? Evidence in this chapter establishes that high excess CAR and excess LAH post-2008 coincided with the decline in the share of credit to households and an increase in the share of credit to companies.

This study aims to determine the effect of Capital Adequacy Ratio and BOPO Ratio on Return On Assets at PT.

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Suku  Bunga, Dana Pihak Ketiga, dan Capital Adequacy Ratio terhadap Pembiaayan Murabahah di Bank Syariah khususnya pada PT Bank Muamalat Indonesia Tbk tahun 2012 sampai 2019 secara parsial maupun simultan.

A parallel lasting lesson is that capital adequacy requirements must be complemented by targeted effective supervisory guidance and oversight of corporate governance for banking firms to prevent, insofar as possible, inappropriate and illegal practices, while ensuring accountability of shareholders and top managers for their wrongdoings.

We develop a framework for price-mediated contagion in financial systems where banks are forced to liquidate assets to satisfy a risk-weight based capital adequacy requirement.

Candidate factors are sought amongst profitability, credit quality, credit expansion and capital adequacy indicators.

The bank's capital adequacy indicators are used as criteria for assessing their stability.

Based on the results of the research, it is realized that the implementation of Good Corporate Governance (GCG) has no effect on banking performance with financial performance measures, namely Non Performance Loans (NPL) and Loan to Deposit Ratio (LDR) in go public banks during the global economic crisis in Indonesia, but the results Hypothesis testing shows that the implementation of Good Corporate Governance (GCG) has a positive effect on the Capital Risk (CAR) variable in publicly traded commercial banks so that it is accepted because the implementation of Good Corporate Governance (GCG) will increase the supervision of the implementation of capital adequacy regulations set by the gover nment.

Moreover, while adhering to capital adequacy regulation, reshuffling banks’ portfolio towards non-traditional activities did not reduce Canadian banks’ capital ratio, buttressing the effectiveness of capital adequacy regulation in Canada in linking banks capital allocation with their risk taking in spite of the re-regulation towards universal banking.

The dependent variable used in this study is income smoothing which is proxied by Profitability which is proxied  by the Return On Assets (ROA), while the independent  variables in this study are Capital Adequacy proxied by the  Capital Adequacy Ratio (CAR), Finance Risk proxied by Non  Performing Finance (NPF), Inflation, and BI Rate.

This study aims to determine the effect of Capital Adequacy proxied with Capital Adequacy Ratio (CAR), Liquidity proxied by Loan to Deposit Ratio (LDR), and Credit Risk proxied by Non Performing Loans (NPL) toward Profitability proxied by Return on Asset (ROA).

PurposeThe introduction of Basel capital adequacy standards (I, II and III) has provoked a large body of empirical and theoretical literature that aimed to detect the consequences of risk-based capital rules on bank lending behaviour and credit availability (and the possible emergence of the credit crunch phenomenon), and came up with divergent conclusions.

Therefore, I investigate the processes of prudential regulation based on the capital adequacy standard of the Basel Committee on Banking Supervision that relies on the financial accounting standards set by the International Accounting Standards Board.

that it passes a capital adequacy test.

Financial institutions have to satisfy capital adequacy tests required, e.

However, only one bank fails to meet the minimum capital adequacy threshold.

However, only one bank fails to meet the minimum capital adequacy threshold.

By distinguishing high quality well-diversified portfolios from low-quality concentrated portfolios, it offers better understanding of credit risk in terms of diversification benefits and concentration risk compared to mandated standard capital adequacy measures.

We claim that the focus on capital adequacy measures is not sufficient to achieve the goal of improving banks’ stability and reducing their restructuring costs.