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HASIL PEIIILAIAN SEJAWAT SEBIDANG IITAV PEER REWEV KARYA ILMIAII : JT]RNAL ILMIAH

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(2)

LEMBAR

HASIL PEIYILAIAN SEJAWAT SEBII}AI{G ATAU PEER REYIEIY KARYA ILMIAH : JTIRNAL ILMIAH

A comparative study of lndonesian and Malaysian Islamic banks.

Mochammad Chabachib, Anafil Windriya Robiyanto dan Hersugondo/ 4 orang Judul Jumal Ikniah (Artikel)

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NrP.195808t6 198603 1 002

Unit Kerja: Jurusan Akutansi Fakultas Ekonomika dan Bisnis Universitas Diponegoro

(3)

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A comparative study of Indonesian and Malaysian Islamic banks

Banks and Bank Systems (/toc/1991-7074). 2019;14(4):55-68 DOI 10.21511/bbs.14(4).2019.06 (https://doi.org/10.21511/bbs.14(4).2019.06)

Journal Homepage (https://businessperspectives.org/journals/banks-and-bank-systems?category_id=30) Journal Title: Banks and Bank Systems

ISSN: 1816-7403 (Print); 1991-7074 (Online) Publisher: LLC "CPC "Business Perspectives"

LCC Subject Category: Social Sciences: Finance: Banking Country of publisher: Ukraine

Language of fulltext: English Full-text formats available: PDF

AUTHORS

Mochammad Chabachib (Associate Professor, Department of Management, Faculty of Economics and Business, Universitas Diponegoro)

Anafil Windriya (Student, Department of Management, Faculty of Economics and Business, Universitas Diponegoro)

Robiyanto Robiyanto (Assistant Professor, Department of Management, Faculty of Economics and Business, Satya Wacana Christian University)

Hersugondo Hersugondo (Associate Professor, Department of Management, Faculty of Economics and Business, Universitas Diponegoro)

EDITORIAL INFORMATION

Double blind peer review (https://businessperspectives.org/editorial-policies/peer-review)

Editorial Board (https://businessperspectives.org/journals/banks-and-bank-systems#editorial-board)

Instructions for authors (https://businessperspectives.org/journals/banks-and-bank-systems#submission-guidelines-for-authors) Time From Submission to Publication: 11 weeks

Abstract | Full Text

(https://businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/12789/BBS_2019_04_Chabachib.pdf) The aim of this study is to analyze the influence of the non-performing financing (NPF), financing to deposit ratio (FDR), operational

efficiency ratio (OER), and firm size (SIZE) on return on assets (ROA). The object of the research is the Islamic bank in Indonesia and the Islamic bank in Malaysia for the period of 2010–2015. Another aim of this research is to determine if there are differences in the impact of FDR, NPF, OER and firm size on ROA between the Islamic bank in Indonesia and the Islamic bank in Malaysia. The findings show that not all studied independent variables affect the ROA of the Indonesian Islamic Bank and the Malaysian Islamic bank. OER has a negative and significant effect on the Indonesian Islamic Bank’s ROA, while FDR and size have a positive and significant influence on the Indonesian Islamic Bank’s ROA. In the Islamic bank of Malaysia, NPF affects ROA positively, while OER affects ROA negatively. In the Indonesian Islamic bank, independent variables that influence ROA are FDR, OER, and SIZE. In Malaysian Islamic bank, only OER

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influences ROA significantly. Based on the Chow test, one can conclude that there is a significant difference between the Indonesian Islamic bank and the Malaysian Islamic bank. Regarding operational costs, banks should pay more attention to validation of the costs to be incurred, so there is no need to spend unnecessary costs.

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Banks and Bank Systems

1816-7403 (Print); 1991-7074 (Online)

(https://creativecommons.org/licenses/by/4.0/)

Homepage (https://businessperspectives.org/journals/banks-and-bank-systems?category_id=30) Publisher: LLC "CPC "Business Perspectives"

Country of publisher: Ukraine Date added to DOAJ: 16 Jan 2019 Record Last Updated: 27 Oct 2019

LCC Subject Category: Social Sciences: Finance: Banking

Publisher's keywords: monetary policy, regulation of banking, international financial organizations, international payment systems, investment banking, risk management in banks

Language of fulltext: English Full-text formats available: PDF

PUBLICATION CHARGES

Article Processing Charges (APCs): (https://businessperspectives.org/journals/banks-and-bank-systems#article-processing-charge) 575 EUR Submission Charges: (https://businessperspectives.org/journals/banks-and-bank-systems#article-processing-charge) No

Waiver policy for charges (https://businessperspectives.org/publishing-policies2/for-the-authors-from-developing-countries) EDITORIAL INFORMATION

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Editorial Board (https://businessperspectives.org/journals/banks-and-bank-systems#editorial-board) Aims and scope (https://businessperspectives.org/journals/banks-and-bank-systems#general-information)

Instructions for authors (https://businessperspectives.org/journals/banks-and-bank-systems#submission-guidelines-for-authors) Time From Submission to Publication: 11 weeks

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Publisher Business Perspectives Publication type Journals

ISSN 19917074, 18167403 Coverage 2006-ongoing

Scope The journal focuses on the results of scienti c researches on monetary policy issues in different countries and regions all over the world. It also analyzes the activities of international nancial organizations, central banks, and bank institutions. Key topics: - Monetary Policy in Different Countries and Regions; -Monetary and Payment Systems; - International Financial Organizations and Institutions; -Monetary Policy of Central Banks; - Organizational Structure, Functions and Activities of Central Banks; -State Policy and Regulation of Banking; -Bank Competitiveness; -Banks at the Financial Markets; -Bank Associations and Conglomerates; -International Payment Systems; -Investment Banking; - Financial Risks and Risk Management in Banks; -Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks; -Corporate Governance and Goodwill; - Personnel Management in Banks; -Econometric, Statistical Methods; Econometric Modeling of Bank Activities; -Bank Ratings.

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Category Year Quartile

Finance 2007 Q4

Finance 2008 Q4

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Cites per document Year Value Cites / Doc. (4 years) 2006 0.000 Cites / Doc. (4 years) 2007 0.026 Cites / Doc. (4 years) 2008 0.069 Cites / Doc. (4 years) 2009 0.132 Cites / Doc. (4 years) 2010 0.097 Cites / Doc. (4 years) 2011 0.196 Cites / Doc. (4 years) 2012 0.179 Cites / Doc. (4 years) 2013 0.149 Cites / Doc. (4 years) 2014 0.228 Cites / Doc. (4 years) 2015 0.127 Total Cites Self-Cites

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Ratio of a journal's items, grouped in three years windows, that have been cited at least once vs. those not cited during the following year.

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Uncited documents 2006 0 Uncited documents 2007 37 Uncited documents 2008 67 Uncited documents 2009 96

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2007 2009 2011 2013 2015 2017 0.06

0.12 0.18 0.24

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2006 2008 2010 2012 2014 2016 2018 0

0.1 0.2 0.3 0.4 0.5

2006 2008 2010 2012 2014 2016 2018 0

40 80

2006 2008 2010 2012 2014 2016 2018 0

0.25 0.5

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20 40

2006 2008 2010 2012 2014 2016 2018 0

90 180

2006 2008 2010 2012 2014 2016 2018 0

90 180

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Banks and Bank Systems

ISSN 1816-7403 (print), 1991-7074 (online) Issued since April 2006

Publisher LLC “Cons Founder LLC “Consu

Since 2019, the "Banks and Bank Systems" Journal is the Member (JM13795) of the and double blind peer-reviewed. It is published in English with quarterly frequenc

Aims and Scope

The journal focuses on the results of scienti c researches on monetary policy issu analyzes the activities of international nancial organizations, central banks, and b

Key topics:

Monetary Policy in Di erent Countries and Regions;

Monetary and Payment Systems;

International Financial Organizations and Institutions;

14 volumes and 59 issues

Volume 14 2019 Volume 13 2018 Volume 12 2017 Volume 11 2016 Volume 10 2015 Volume 9 2014 Volume 8 2013 Volume 7 2012 Volume 6 2011 Volume 5 2010 Volume 4 2009 Volume 3 2008 Volume 2 2007

l 2006

Issue #1 Issue #2 Issue #3 Issue #4

(10)

/

Exchange rate movements in the presence of the zero lower bound

Jens Klose doi: http://dx.doi.org/10.21511/bbs.12(1).2017.10

Banks and Bank Systems Volume 12, 2017 Issue #1 pp. 82-87 Views: 1444 Downloads: 308 TO CITE

Corporate governance practices in the banking sector of Bangladesh: do they really matte

Samiul Parvez Ahmed , Rahatul Zannat , Sarwar Uddin Ahmed doi: http://dx.doi.org/10.21511/bbs.

Virtual banking and online business

Nadia Sha , Shariq Mohammad doi: http://dx.doi.org/10.21511/bbs.12(1).2017.09

Banks and Bank Systems Volume 12, 2017 Issue #1 pp. 75-81 Views: 1322 Downloads: 643 TO CITE MOST VIEWED ARTICLES MOST DOWNLOADED ARTICLES

Indexing

Academic Resource Index Australian Business Deans Council (C)

La Clasi cación Integrada de Revistas Cientí cas –

CIRC (С) CNKI scholar

Directory of Open Access Journals (DOAJ) Directory of Open Access Scholarly Resources (ROAD)

ERIH PLUS Excellence in Research for Australia (ERA)

Google Scholar Handelsblatt-VWL

Integrated Classi cation of Scienti c Journals

(CIRC) Italian Academy of Business Economics (AIDEA)

Journal Guide JournalTOCs

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Supérieur - SUDOC List of Journals recommended by the Ministry of

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and Publishers (NSD) OCLC WorldCat

Scopus SHERPA/RoMEO (Publisher copyright policies &

self-archiving) University of Pune journal list (India) РИНЦ

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Banks and Bank Systems

Editorial Board Structure (for more information - Guidelines for editors and reviewers): 1. Editor-in-Chief is respo determines its aims and scope, takes the nal controversial decisions. Holds the editorial meetings and represents, outside audience. 2. Managing Editor checks the manuscripts at the initial stage, supports the peer review process for publishing process and has regulatory control over the deadlines. 3. Section Editors handle the peer review pro 4. Editorial Board Members review the manuscripts, involve independent reviewers, promote the Journal, and adv

Editorial Office Contact Form

Send request to Editorial Office

Editor(s)-in-Chief

David T. Llewellyn CONTACT

Gregor Kramer CONTACT

Alex Plastun ^CONTACT

Section Editors

Giorgio Calcagnini Iryna Chmutova Ihor Ivasiv

Muhammad Mahboob Ali

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/

Giorgio Calcagnini

Professor of Economics, Department of Economics, Universita di Urbino "Carlo Bo", Italy (sphere of pro microeconomics, macroeconomics, international economics).

Google Scholar Citations

Iryna Chmutova

Dr. of Economics, Associate Professor, Department of Banking, Simon Kuznets Kharkіv National Univers bank nancial management; evaluation of bank performance; contemporary managerial technologies i banks; benchmarking in banks; bank life cycle; bank nancial soundness; nancial stability of banking s Google Scholar Citations

Ihor Ivasiv

Professor of Finance and Banking, Department of Banking, Kyiv National Economic University named af banking; VBM in banks; corporate governance in banks).

Muhammad Mahboob Ali

Ph.D., Professor of Finance, Economics and Management, Dhaka School of Economics, Bangladesh. Cur management, capital and money market, e-banking and e-business, nancial economics).

Editorial Board

Hussein A. Hassan Al-Tamimi

Ph.D., Professor of Finance and Head of Department of Finance and Economics, University of Sharjah, U Google Scholar Citations

Abdul Nafea Al-Zararee

Dr., Professor, Chairman of Banking and Finance Department, College of Administrative and Finance Sc

Luisa Anderloni

Full Professor of Financial Markets and Intermediaries, Milan University, Italy.

Ahmet Faruk Aysan

Associate Professor, Department of Economics, Boğaziçi University, Bebek, İstanbul, Turkey.

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/

Alessandro Benocci

Ph.D., Professor of Business Law, University of Pisa, Italy.

James B. Bexley

Ph.D., Chairholder, Smith-Hutson Endowed Chair of Banking & Distinguished Professor of Finance, Sam

Michal Buszko

Assistant Professor, Faculty of Economic Sciences and Management, Department of Financial Managem Google Scholar Citations

Vincenzo Capizzi

Ph.D., Full Professor of Banking and Finance, Department of Economics and Business Studies, Universit Google Scholar Citations

Sebastian Bogdan Capraru

Ph.D. Hab, Professor of Finance, Alexandru Ioan Cuza University, Romania.

Oleksiy Druhov

Doctor of Economics, Professor, Vice-rector for educational work and international cooperation, Higher Google Scholar Citations

Oleksandr Dzyublyuk

Doctor of Economic Sciences, Professor, Head of the Department of Banking, Ternopil National Econom Google Scholar Citations

Osama El-Ansary

Ph.D., Professor of Finance and Banking, Faculty of Commerce, Cairo University, Egypt.

Roland Kirstein

Dr., Professor of Economics of Business and Law, Otto-von-Guericke-University Magdeburg, Germany.

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/

Oleh Kolodiziev

Dr. of Economics, Professor, Head of the Department of Banking of S. Kuznets KhNUE (Simon Kuznets K Google Scholar Citations

Volodymyr Lepushynskyi

Ph.D., Deputy Director, Monetary Policy and Economic Analysis Department, National Bank of Ukraine, Google Scholar Citations

Leon Li

Associate Professor of Finance, Subject Convenor, Finance, School of Accounting, Finance, and Econom

Stelios N. Markoulis

Dr., Adjunct Lecturer University of Cyprus, Visiting Professor Cyprus International Institute of Managem London, UK.

Marco J. Menichetti

Dr., Professor, Chair of Business Administration, Banking and Financial Management, Institute for Finan

Juan Javier Negri

Founding member, lawyer, Negri & Pueyrredon Abogados, Argentina.

Emine Orhaner

Dr., Professor, Head of Department of Banking and Insurance Education, Faculty of Education of Comm Google Scholar Citations

Lucjan T. Orlowski

Dr., Professor of Economics and International Finance, Department of Economics and Finance, Sacred H Google Scholar Citations

Peter Reichling

Dr., Professor, Chair of the Department of Banking and Finance, Otto-von-Guericke University Magdebu Google Scholar Citations

Buerhan Saiti

Associate Professor, Department of Islamic Economics and Finance, Istanbul Sabahattin Zaim University

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/

Exchange rate movements in the presence of the zero lower bound

Jens Klose doi: http://dx.doi.org/10.21511/bbs.12(1).2017.10

Corporate governance practices in the banking sector of Bangladesh: do they really matte

Samiul Parvez Ahmed , Rahatul Zannat , Sarwar Uddin Ahmed doi: http://dx.doi.org/10.21511/bbs.

Virtual banking and online business

Nadia Sha , Shariq Mohammad doi: http://dx.doi.org/10.21511/bbs.12(1).2017.09

Banks and Bank Systems Volume 12, 2017 Issue #1 pp. 75-81 Views: 1322 Downloads: 643 TO CITE MOST VIEWED ARTICLES MOST DOWNLOADED ARTICLES

Indexing

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Issue #4 (Volume 14 2019)

Released December 27, 2019

Articles 19 65 Authors 95 Tables 28 Figures

19 Intellectual capital and financial performance of Sharia-compliant banks in Saudi Arabia

Mohammad Naushad doi: http://dx.doi.org/10.21511/bbs.14(4).2019.01

Financial stability management in banks: strategy maps

Borys Samorodov , Galyna Azarenkova , Olena Golovko , Kateryna Oryekhova , Maksym Babenko doi: http://dx.doi.org/10.21511/bbs.14(4).2019.02

Transformation of the Ukrainian banking system regulation: a new horizon of compliance with the international framework

Lyubov Khudoliy , Oleg Bronin doi: http://dx.doi.org/10.21511/bbs.14(4).2019.03

The impact of discretionary loan loss provision of sharia financing on financial performance

Z Zul kar , Wahyuni Sri doi: http://dx.doi.org/10.21511/bbs.14(4).2019.04

OVERVIEW KEYWORDS

Articles

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Determining the level of bank connectivity for combating money laundering, terrorist financing and proliferation of weapons of mass destruction

Nataliya Vnukova , Sergii Kavun , Oleh Kolodiziev , Svіtlana Achkasova , Daria Hontar doi: http://dx.doi.org/10.21511/bbs.14(4).2019.05

A comparative study of Indonesian and Malaysian Islamic banks

Mochammad Chabachib , Ana l Windriya , Robiyanto Robiyanto , Hersugondo Hersugondo doi: http://dx.doi.org/10.21511/bbs.14(4).2019.06

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Banks and Bank Systems, Volume 14, Issue 4, 2019

http://dx.doi.org/10.21511/bbs.14(4).2019.08

Abstract

This paper examines the long-term effect of various regulatory, bank-specific and mac- roeconomic factors on the determination of liquidity in Indian banks. For this purpose, the study uses a random effect panel data regression model and tests it with data on Indian banks for 21 years, covering the period from 1996 to 2016. The model considers the effect of regulatory factors, cash reserve ratio, and statutory liquidity, and incorpo- rates four different liquidity ratios specific to the Indian banking scenario. The results of the analysis show contrasting relationships between the independent variables and the dependent variables measured by four liquidity ratios.

It is interesting to note that Indian banks rely more on asset-based liquidity and less on liability-based liquidity. More specifically, the most important liquidity ratio of L1 (liquid assets to total assets ratio) showed a significant relationship with macroeco- nomic variables of discount rates, call rates, foreign exchange reserve, exchange rate with US dollar, consumer price index and gross domestic product. L1 also showed a significant relationship with bank-specific variables of capital to total assets and bank size. However, the regulatory factors of cash reserve ratio and profitability determined by return on equity (ROE) and non-performing assets were not found to have any effect on liquidity of Indian banks.

Shyam Bhati (Australia), Anura De Zoysa (Australia), Wisuttorn Jitaree (Thailand)

Factors affecting the liquidity

of commercial banks in India: a longitudinal analysis

Received on: 28th of August, 2019 Accepted on: 28th of November, 2019

INTRODUCTION

The liquidity of a bank is critically important for bank success. It is a

“measure of bank’s ability to find ready cash, short-term creditworthy securities, government bills, etc., which can be readily converted into cash” (Elliot, 2015, p. 11). The 2008 global financial crisis (GFC) had a devastating effect on bank liquidity, creating liquidity crisis and bank collapses. Wall (2015, p. 1) cites “the suspension of trading by BNP Paribas as a major shock for financial system followed by runs on Bear Sterns and Lehmann Brothers, resulting in their collapse”. After the global financial crisis, the Bank for International Settlements (Bank for International Settlements, 2010) has initiated several regulatory re- forms aimed to manage the short-term liquidity of banks.

Basel Committee (2010) has issued a framework for measuring and managing liquidity, which sets out principles for assessment and management of liquidity in banks. For short-term liquidity management, it proposed the Liquidity Coverage ratio and for long-term liquidity management it proposed the Net Stable Funding ratio. Apart from internal management strategy and policy on liquidity management by

Shyam Bhati, Ph.D., Lecturer, School of Accounting, Economics and Finance, Faculty of Business, University of Wollongong, Australia.

Anura De Zoysa, Ph.D., Senior Lecturer, School of Accounting, Economics and Finance, Faculty of Business, University of Wollongong, Australia.

Wisuttorn Jitaree, Ph.D., Lecturer, School of Accounting, Faculty of Business Administration, Chiang Mai University, Thailand.

panel data regression, central bank policy, monetary policy, Indian banks, liquidity determinants

Keywords

JEL Classification

C33, E52, E58, G21, G28

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International license, which permits unrestricted re-use, distribution, and reproduction in any medium, provided the original work is properly cited.

www.businessperspectives.org LLC “СPС “Business Perspectives”

Hryhorii Skovoroda lane, 10, Sumy, 40022, Ukraine

BUSINESS PERSPECTIVES

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10 Abstract

To prevent crises in the economy, it is necessary to ensure the financial stability of banks, which is one of the main tasks facing the banking system.

The purpose of this article is to develop tools for improving the efficiency of financial stability management in a bank based on strategy maps.

Using UkrSibbank (Ukraine) as an example, two strategy maps are developed: a general management map and a local map – for the international payments division of the operational payments department. Structural elements of the designed strategy maps are:

finances, clients, internal processes, training and development.

Implementing the developed general strategy map in the bank’s practical activities involves the following measures: increasing financial stability; avoiding credit risk and optimizing the credit process; increase in profit; cost reduction; introducing new banking products;

increase in the number of satisfied consumers; involvement and retention strategic clients.

The developed strategy map for the international payments division of the operational payments department provides for the following measures: ensuring sufficient liquidity level of the bank’s balance sheet; introducing an effective system of analysis of origin of individuals’ and legal entities’ funds; direct correlation between employees of the international payments division and bank customers; timely informing customers regarding requirements updated.

Borys Samorodov (Ukraine), Galyna Azarenkova (Ukraine), Olena Golovko (Ukraine), Kateryna Oryekhova (Ukraine), Maksym Babenko (Ukraine)

Financial stability

management in banks:

strategy maps

Received on: 23rd of April, 2019 Accepted on: 13th of May, 2019

INTRODUCTION

To prevent crises in the economy, one of the main tasks facing the banking system is to support the proper level of financial stability of each bank and providing its strategy development. This enables them to provide economic entities with sufficient financial resources. The development of the economy directly depends on the state of the banking system, financing and servicing of business entities and individuals by banks. The mod- ern banking system is characterized by a significant deficit of circulat- ing and, especially, investment capital due to the lost ability of banks to mobilize long-term resources. Today, banking institutions serve mainly the current, primarily payment needs of economic entities. Banks do not have a stable resource base to meet the investment needs of the real sector.

As a result, their influence on the formation of the material and technical support of the economy is minimal. Stable-working banking institutions provide for the accumulation of excess liquidity, reduce the level of the shadow economy, promote the development of long-term lending, which catalyzes economic growth and welfare of the population. Therefore, to ensure the dynamic development of the economy, the issue of financial stability of banks, creation of strategy maps for managing it should be given considerable attention.

Borys Samorodov, Doctor of Economics, Professor, Kharkiv Educational and Scientific Institute of the Banking University, Ukraine.

Galyna Azarenkova, Doctor of Economics, Professor, Kharkiv Educational and Scientific Institute of the Banking University, Ukraine.

Olena Golovko, Ph.D. in Economics, Associate Professor, Kharkiv Educational and Scientific Institute of the Banking University, Ukraine.

Kateryna Oryekhova, Ph.D. in Economics, Associate Professor, Kharkiv Educational and Scientific Institute of the Banking University, Ukraine.

Maksym Babenko, Lecturer, the Finance, Banking and Insurance Department, Kharkiv Educational and Scientific Institute of the Banking University, Ukraine.

financing strategy, customers, internal processes, international payments, operational calculations, UkrSibbank

Keywords

JEL Classification

G21, G24

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89 Abstract

Researchers in developed countries argue that banks should be free to decide about their sustainability initiatives without the interference from regulators. However, researchers in developing countries tend to think differently. This study aimed to focus on this argument by examining the linkage between sustainability and financial performance (SFP) aided through regulatory policy guidelines. In doing so, a comparative study was conducted between 2012 and 2018 to compare the pre- and post-status of SFP due to implementation of policy measures. Environmental, social and governance (ESG) scores were calculated and related with financial performance (return on assets) through regression analysis. The sample data includes 30 private commercial banks (PCBs) in Bangladesh. The analysis of the data shows that during these years, the over- all sustainability performance, i.e., environmental, social and governance scores of the banks increased by 33 percent. However, the transformation of this performance into better financial performance could not been established even when age and size were taken into account. The current turbulent state of the banking sector due to growing non-performing loan has been identified as the single most influential factor for this neutral result. Research findings suggest that policy guideline initiatives do have a positive impact on bank sustainability. However, exogenous factors, such as political interference, may appease, deviate and prolong its impact on financial performance.

This work will enhance the understanding of academics and policy-makers about the feasibility and impact of the policy-led sustainability model in the banking sector, particularly in developing countries.

Samiul Parvez Ahmed (Bangladesh), Sarwar Uddin Ahmed (Bangladesh), Mohammad Fahad Noor (Bangladesh), Zaima Ahmed (Bangladesh), Uttam Karmaker (Bangladesh)

The policy-led sustainability and financial performance

linkage in the banking

sector: case of Bangladesh

Received on: 11th of September, 2019 Accepted on: 14th of November, 2019

INTRODUCTION

The alignment of economic goals and sustainable development has be- come a worldwide problem. A number of actors have been involved in mitigating the challenge towards the pathway of sustainable development. One of the most difficult issues has been to deal with environmental degradation caused by industrial sector. Against the backdrop of this issue, many policies and stances have been adopted across the world by endowing resources and investment in green and climate resilient policies (Volz, 2018). Finance sector has been designated as one of the most crucial actors in mitigating the growing challenge towards a green transformation. According to Volz et al. (2015, p. 2), Green Finance is defined as “…all forms of investment or lending that consider environmental effect and enhance environmental sustainability”. Particularly, understanding the dynamics of Environmental, Social and Governance (ESG) risks is a crucial concept in alleviating the socio-environmental and governance issues and enhancing robust

Samiul Parvez Ahmed, Ph.D., Associate Professor, School of Business, Department of Finance, Independent University, Bangladesh.

Sarwar Uddin Ahmed, Ph.D., Professor, School of Business, Department of Finance, Independent University, Bangladesh.

Mohammad Fahad Noor, MSc in Business Finance, Lecturer, School of Business, Department of Finance, Independent University, Bangladesh, Zaima Ahmed, MSc in Finance and Development, Lecturer, School of Business, Department of Finance, Independent University, Bangladesh.

Uttam Karmaker, MBA, Graduate Assistant, School of Business, Department of Finance, Independent University, Bangladesh.

policy-led sustainability, financial performance, environmental, social and governance (ESG) risks, banking sector, developing country

Keywords

JEL Classification

G20, G21, Q56

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Banks and Bank Systems

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