Sustainable finance: An analysis of the ASEAN-4 universal banking sector's sustainable growth rate (SGR) and its risk factors

• Main Authors: Alejandrino, Bianca Elise S., Bhuller, Armandeep K., Francisco, Arnel Jorge N., II, Peralta, Jean Christian C.
• Format: text
• Language: English
• Published: Animo Repository 2023
• Subjects: Universal banks—Southeast Asia; Sustainable development—Southeast Asia; Finance and Financial Management
• Online Access: https://animorepository.dlsu.edu.ph/etdb_finman/81; https://animorepository.dlsu.edu.ph/context/etdb_finman/article/1065/viewcontent/Sustainable_Finance__An_Analysis_of_the_ASEAN_4_Universal_Banking.pdf
• Institution: De La Salle University

This research paper aims to conduct a comprehensive analysis of the sustainable growth rate (SGR) and risk factors within the universal banking sector of the ASEAN-4 countries, namely Indonesia, Malaysia, the Philippines, and Thailand. By evaluating the SGR levels and examining various risk factors such as credit risk, liquidity risk, and default risk, this study provides valuable insights into the current state of universal banks in the region and their influence on sustainable growth. The findings indicate that SGR levels vary across the participating countries, reflecting disparities in the performance and growth potential of their respective banking sectors. Moreover, the analysis highlights the significant relationship and significant impact of risk factors on the sustainable growth rate of universal banks in the ASEAN-4 region, underscoring the importance of implementing effective risk management strategies. The study concludes with practical recommendations tailored for policymakers, regulatory authorities, universal banks, academics, investors, and shareholders, with the aim of enhancing risk management practices, promoting sustainable finance, and ensuring the long-term viability and sustainability of the banking sector in the ASEAN-4 countries.