American Finance & Banking Review https://www.cribfb.com/journal/index.php/amfbr en-US info.amfbr@cribfb.com (Managing Editorial Board) info.amfbr@cribfb.com (Editorial Assistant) Tue, 22 Sep 2020 00:00:00 +0000 OJS 3.1.1.4 http://blogs.law.harvard.edu/tech/rss 60 Financial Stability Implications of Stress Testing for Risk Taking and Credit Growth https://www.cribfb.com/journal/index.php/amfbr/article/view/778 <p>This paper examined the literature on financial stability implication of stress testing for risk-taking and credit growth in banks.Macro prudential considered one of the most stress testing tools by Applying countercyclical Macro prudential tools to build up capital buffers in good times that can be run down during bad times. But to improve timing, monitories authorities may need to develop a comprehensive framework to monitor Macro prudential conditions and establish appropriate warning and trigger thresholds. Regarding scope, they examine the entire financial system. This entity contributes to fire sales whose default has follow-on effects, or which can exacerbate a credit crunch that is included. Liability Considerations contain a Scale of wholesale funding that is run-prone is paramount. Capital adequacy depends on the health of the overall financial system. For asset Considerations, the test indicates whether the financial system is vulnerable to deleveraging that might amplify adverse shocks, at the end authorities' development guidance about whether to close a bank and when to sell its assets to maximize taxpayer recovery. We have concluded that the financial stability implications of stress tests for risk-taking and credit growth among banks are the following: A reduction in credit is a feature on stress tests. Post-crisis reforms traded the expectation of lower credit growth for reducing the probability that the larger banks would fail. This has a high negative impact on the economy. Higher capital requirements for the larger banks have prompted a reduction in the supply of credit, especially to riskier borrowers. Smaller banks have increased their share of local market-wide lending, and larger businesses have seen quite generous credit availability in bond and leveraged loan markets. Consider the structure of the financial system and its complexity long the levels of economic integration and openness.</p> Orobah Ali Barghouthi, K. M. Anwarul Islam ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 https://www.cribfb.com/journal/index.php/amfbr/article/view/778 Tue, 22 Sep 2020 15:04:23 +0000 Comparison of Financial Performance of Private Commercial Banks in Pakistan https://www.cribfb.com/journal/index.php/amfbr/article/view/841 <p><em>Commercial banks play an important role for the purpose of sustainable economic development in a country. This paper main theme to presents the comparison of financial performance between private commercial banks in Pakistan during the period of 2015–2019 by using the method of ratio analysis and some other financial indicators. Fourteen Commercial banks out of fifteen banks are selected for comparison of financial analysis. Due to the unavailability of data, the remaining one bank is not chosen for study because, yet they did not publish their final report in 2019. The data of ratio analysis was captured by using the final report of commercial banks, which are available on the bank's official websites. This study provides information about the different ratios which directly impact on bank performance.</em></p> Muhammad Baqir, Sajid Hussain, K. M. Anwarul Islam, Rashid Waseem ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 https://www.cribfb.com/journal/index.php/amfbr/article/view/841 Sat, 24 Oct 2020 12:18:35 +0000