Banking stability, regulation, efficiency
New papers in banking stability, regulation, efficiency, the code and data they release, and the open problems their authors admit. Rebuilt every day from OpenAlex and arXiv.
New papers
Artificial Intelligence in Risk Management and Financial Stability in Nigeria
This study investigates the impact of Artificial Intelligence (AI) applications risk management specifically AI-based credit scoring, AI-driven fraud detection, and AI-powered predictive analytics on financial stability (asset quality) in Nigerian banks.
How Much Do Deposits Run Off in Thirty Days? Four-Week Outflows from US Commercial Banks, 1973–2026, Against Basel III Liquidity Coverage Assumptions
The Basel III liquidity coverage ratio (LCR) requires banks to hold liquid assets against assumed 30-day deposit run-offs of 3% to 10% for retail deposits and 25% to 40% for operational and other corporate deposits.
The Tipping Point: Interest Rates and Financial Stability
Abstract This paper studies the impact of interest rates on bank stability in a standard bank‐run model.
Determinants and implications of business strategic risk in Indian banks
Purpose This research aims to understand the Business and Strategic Risk (BSR) in Indian banks and identify the key determinants affecting such risk.
Deposit Betas Across Three US Rate Cycles, 2015–2026: Partial Adjustment, a Closed-Form Beta Path and the Value of the Deposit Franchise
A deposit beta is the share of a change in the policy rate that a bank passes on to its depositors.
Bank Consolidation in a Turbulent Period: A Bibliometric Mapping of Publications Since 2020
The COVID-19 pandemic, followed by multiple geopolitical conflicts, changed the overall functioning of banks and the global merger and acquisition (M&A) market.
IMPROVING THE EFFICIENCY OF CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS
This thesis examines ways to improve the effectiveness of credit risk management in commercial banks through risk-based lending decisions, borrower monitoring, forward-looking loss measurement and stronger governance.
Counterparty Risk: Implications for Network Linkages and Asset Prices
We study the relation between trade credit, asset prices, and production-network linkages.
Do energy shocks accelerate green credit? Evidence from Chinese banks in the Asian energy transition
This study examines how energy uncertainty shapes green credit allocation in China, a major Asian economy where banks play a central role in financing the low-carbon transition.
Macroeconomic Sentiment and Bank Performance in Ghana: The Intervening Roles of Asset Quality and Management Efficiency
This study examines the empirical effect of macroeconomic sentiment on the performance of commercial banks in Ghana, under severe internal operating constraints and during periods of historic sovereign debt distress.
WAYS TO IMPROVE SCENARIO-BASED STRESS TESTING PRACTICES FOR CREDIT AND LIQUIDITY RISKS IN COMMERCIAL BANKS OF UZBEKISTAN
This thesis explores ways to improve scenario-based stress testing practices for credit and liquidity risks in commercial banks of Uzbekistan.
Monetary and Credit Legal Means (Instruments) of Ensuring Russia’s Economic Security
The list of instruments and methods of monetary policy in Article 35 of the Law on the Bank of Russia is addressed to the regulator and leaves outside its scope a significant part of legal means, i.e. emission monopoly, banking regulation and supervision, oversight in the national payment…
The Role of Financial Inclusion in Firms’ Performance: A Multidimensional Analysis in Developing Countries
This study analyses the role of financial inclusion (FI) in firms' performance (FP).
IMPROVING THE EFFICIENCY OF LIQUIDITY RISK MANAGEMENT MECHANISMS IN COMMERCIAL BANKS THROUGH STRESS TESTING
This thesis investigates priority pathways for improving the efficiency of liquidity risk management mechanisms in commercial banks through stress testing.
The Weight of Compliance: Anti-Money Laundering Enforcement, Banking Sector Composition, and Lending
Abstract We examine how strengthened anti-money laundering (AML) enforcement affects the U.S. banking sector.
Stress testing, credit risk, and bank performance: New evidence from Jordanian commercial banks
This study examines the relationships among stress testing, credit risk, bank capital, and bank profitability in 13 Jordanian commercial banks over 2010–2020.
Credit Risk, Operational Efficiency and Profitability of Banks With Gender of Female Directors as Moderation Variables
Research Aim: The main focus of the study was to observe the influence of credit risk, operational efficiency, credit disbursement and Bank Size on profitability, taking into account the gender of female directors as a variable of moderation of operational efficiency.
OʻZBEKISTON TIJORAT BANKLARI MISOLIDA KREDIT RISKLARI VA MUAMMOLI KREDITLAR
The article assesses the level of credit risk and the dynamics of problem loans (NPL) in commercial banks of Uzbekistan based on data for 2019–2026.
The Sovereign Yield Mirage — Central Bank Digital Currencies (CBDCs), Programmable Scarcity, and the Death of Liquid Counterparty Autonomy
The historic stability of decentralized trade rested on the structural separation between asset ownership and state liability through unconditioned peer-to-peer bearer liquidity.
Explainable Machine Learning for Corporate Bankruptcy Prediction: Evidence from Accounting Information
Bankruptcy prediction sits at the core of credit risk management, yet the ML models now used for it are seldom examined for interpretability.
Released code and data
Investment Management Strategies Under Prolonged Crisis: The Role of Liquidity, Risk Diversification, and Adaptive Financing in Yemeni Commercial Banks
We construct a panel dataset using annual reports of ten Yemeni Commercial banks covering the period 2014–2022; the choice of these banks was based on the availability of data.
Recorded storm damage and mortgage servicing complaints in US counties
Data availability The data and reproducibility package are available at https://doi.org/10.6084/m9.figshare.34741455
Offshore financial centres and banks’ funding responses to liquidity shocks
Using hand-collected information, we construct a novel dataset of European banks across six Eurozone countries from 2009–15.
Systemically Important Banks and Loan Performance: Evidence from India
Supplemental Material: The online appendix and data files are available at https://doi.org/10.1287/mnsc.2025.03238 .
Do Modified Retrospective Transitions Facilitate Earnings Management? Evidence from ASU 2016-13
Data Availability: Data are available from the public sources cited in the text. JEL Classifications: M42; G21.
Financial Fragility in Societies of LLM Agents: Coordination Failures and Stabilizing Mechanisms
Code is available at https://anonymous.4open.science/r/FinFrail-CF26.
Social Networks as Information Conduits for Online Credit Supply and Demand
Supplemental Material: The online appendix and data files are available at https://doi.org/10.1287/mnsc.2024.06050 .
Supply Chain Finance Risks under Heterogeneous Market Structures: A Comparative Analysis of Monopoly, Oligopoly and Competitive Markets
The study draws on the theory of industrial organization, uses the Herfindahl - Hirschman Index (HHI) to assess market concentration, and employs the Cash Conversion Cycle (CCC) to evaluate working capital efficiency when comparable financial data is available.
Cyber-Financial Contagion: Modeling the Propagation of an AI Vendor Compromise Through the Banking System
We release the full code, synthetic data, and reproducible scripts.
Non-bank financial intermediation: Canada’s submission to the 2025 global monitoring report
We share insights from data from 2002 to 2024 that the Bank has collected and submitted to the FSB for inclusion in the GMR.
Open problems authors admit
Bank Risks and Financial Stability: Bibliometric and Content Analyses
We identify gaps in previous studies and propose topics for future work.
Banking Risk Management in the Digital Era: A Systematic Literature Review
Drawing on contingency theory and the resource-based view, the article proposes a Digital Risk Governance Framework and five propositions for future research.
Explainable AI for Fraud Alert Review in Community Banks and Credit Unions: A Narrative Review of Architectures, Analyst Workflows, and Governance
We close with practical implications for small institutions and open questions for future research.
The Effect of Fee-Based Income, Bank Size, Bank Capital, Non-Performing Loans, and Operational Efficiency on Bank Financial Stability
Future research should extend the observation period, incorporate digitalization, corporate governance, and macroeconomic factors, and conduct comparative analyses across bank categories.
EFFECT OF INFLATION AND INTEREST RATE ON PROFITABILITY OF SMALL AND MEDIUM ENTERPRISES IN KATSINA METROPOLIS
Future research should employ longitudinal designs, audited financial indicators, and broader geographical and sectoral samples
A systematic literature review of bank failure prediction models
These findings support the need for more transparent and methodologically comparable evaluation frameworks and provide directions for future research on robust and regulator-relevant bank-failure Early Warning Systems.
Not a silver bullet: a systematic review of Fintech’s role in bank liquidity creation
It also positions FinTech-enabled liquidity creation within innovation-science debates and develops a focused agenda for future research.
Forecasting twin and triple financial crises: global evidence on macro-financial vulnerabilities
Future research could incorporate global financial factors, alternative forecasting horizons, rare-event estimation techniques, and machine learning methods to further improve predictive accuracy and strengthen the operational usefulness of early-warning systems for compound financial crises.
O crédito dirigido baixou o custo do crédito às empresas em Angola? Evidência do aviso 10 do Banco Nacional de Angola (2016–2026)
Lending to households, which the regime does not cover, serves as a comparison group.
Operational Efficiency across Bank Size Regimes: Evidence from Indonesian Private Banks
Although the analysis is limited to Indonesian private banks, future research may extend this framework to cross-country settings, alternative profitability measures, and dynamic nonlinear panel models.