Citation

Raman, Ravindran and Chong, Lee Lee and Teh, Boon Heng (2022) Financial Performances of Malaysian Commercial Conventional Banks with The Rating of Camels Model and The Presence of Covid-19. In: Postgraduate Social Science Colloquium 2022, 1 - 2 June 2022, Online.

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Abstract

Background - Malaysian financial institutions’ health must be sound and be resilient hence the conventional commercial bank’s financial performance has to be on the right track and be able to weather all kinds of situations and manage risk to the lowest. Hence, these banks must be strong and be sustainability with the CAMELS rating together with other new inceptions such as the Fintech, the past financial crisis and most importantly new crisis such as Covid-19. In past studies there were no serious crisis been studied such as the ongoing current Covid-19. Hence this study is expected to highlight how to be able to sustainability of Malaysian conventional commercial banks to overcome the turbulences created by Covid-19 on matters such as moratorium, loan quality, capital, efficiency, technology as well risk factors in managing and supporting Malaysia economy. This study will be able to provide new ideas on financial performances in additional of the CAMELS rating framework regulations. Purpose - The purpose and the objective of this research is to investigate the link between the financial performance of Malaysian commercial conventional banks during pre, presence and post pandemic of Covid-19. This investigation will be a new contribution for the financial industry and sectors in analyzing the financial performance using the CAMELS framework whereby in previous studies prior to year 2020 (nonexistence of Covid-19 pandemic) was not conducted. There will be elements of discussion to identify new information. Design/methodology/approach - This study will deploy a quantitative approach through obtaining data which are classified as the panel data which are collected from various Database such as Thomson Reuters or printed materials such as the audited annual report of the selected conventional commercial banks in Malaysia. These data will then be analyzed by using EViews software. Findings/Expected Contributions - The expected findings or the expected result is to show that conventional commercial banks in Malaysia are better capitalized, the riskiness and have high liquidity to meet the financial demand and obligations in the Malaysian economy and the country’s growth. Research limitations - At this point of time this study will provide an analysis of financial performance only for the conventional commercial banks in Malaysia. A cross-country analysis could be more representative of the commercial conventional banks in near future in order to do a comparison study. Originality/value - This research is expected to provide and insight value for financial institutions, central bank, borrowers, investors, scholars as well the regulators and policy makers in making a better decision beside making good rules and regulations specifically during a pre, presence and post pandemic crisis such as Covid-19 or any new other crisis other than the Global crisis and Asian Financial crisis for the financial system and financial industry in Malaysia.

Item Type:	Conference or Workshop Item (Paper)
Uncontrolled Keywords:	Camels, Bank Performance, Covid-19, Conventional Banks, Panel Data
Subjects:	H Social Sciences > HG Finance > HG1501-3550 Banking > HG1811-2351 Special classes of banks and financial institutions
Divisions:	Faculty of Management (FOM)
Depositing User:	Ms Suzilawati Abu Samah
Date Deposited:	11 Aug 2022 06:27
Last Modified:	19 Aug 2022 08:24
URII:	http://shdl.mmu.edu.my/id/eprint/10339

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