transmission by groups of banks in Serbia characterized by different levels of credit risk (clusters). Two of the four observed … groups of banks have experienced increase in NPLs through the channel of contagion spread in the interbank network. The …. The third group of banks (banks with high levels of credit risk) takes over the effects of systemic factors and transfers …

relationship between capital ratio and bank operating efficiency. This shows that commercial banks in Tanzania with more stringent … capital requirements influence the bank’s decision to revisit their internal operations strategy in terms of strong corporate … operating efficiency. The implication of this relationship may simply mean that the bank’s total loan and advances in …