TAILIEUCHUNG - Financial crisis and capital adequacy ratio: A case study for cypriot commercial banks

This empirical study analyses the determinants of capital adequacy of Cypriot banks mainly during the period of financial crisis using multiple linear regression. Specifically, the study focuses on certain features of banks (risk, liquidity, return etc.) to determine whether they affect the volatility of capital adequacy. The study provides supportive evidence that there is a negative statistically significant relationship regarding banksize and risk and a positive regarding the level of provisions and percentage of Net Interest Margin. The factors affecting the capital adequacy ratio in Cyprus are the increases in credit risk and nonperforming loans, excessive leverage, increased requirements by regulatory authorities for the implementation and fulfillment of the Basel III rules by 2019, the negative environment and lack of trust, intensive competition among banks, the small size of banks in comparison with the interbank market, low yield and target for longterm growth, poor corporate governance and the problem of information asymmetry. Moreover, in the case of Cyprus, the additional capital is a strategic hedge to secure access to deposits and money markets and “buffer” as insurance in case of unforeseen events in the future due to the previous negative experience. | Financial crisis and capital adequacy ratio: A case study for cypriot commercial banks

• Ngân hàng - Tín dụng
• Capital adequacy ratio
• Commercial banks
• Cypriot commercial banks
• Financial crisis
• Previous negative experience
• Determinants of capital adequacy ratio of Vietnamese commercial banks
• Capital adequacy ratio of Vietnamese commercial banks
• Vietnamese commercial banks
• The Net interest margin
• Punjab National Bank
• Implementation period of Basel II
• Dividend Payout Ratio
• Dividend per Share
• Loan loss reserves
• Return on assets
• Return on capital
• Kinh tế kinh doanh
• Tạp chí khoa học
• Vietnamese banks
• Positive effect on CAR
• Egyptian banks
• Islamic banks
• Islamic windows pre
• Global financial crisis
• People's credit funds
• Debt to equity ratio
• Loan to deposit ratio
• PCFs’ credit growth rate
• Capital ratio
• Capital requirement
• Panel data
• Panel data analysis
• Banking system of kingdom
• Tadawul banks
• Profitability bank
• Return on asset
• Return on equity
• Net interest margin
• Non Performing loan
• Corporate governance
• Performance in Vietnamese
• Bank performance
• Board composition
• Financial security
• Commercial banking
• Current situation
• Vietnam's commercial banking system