The study identifies a gap in the existing literature on the relationship

The gap

Evidence profile

Stated in the limitations and recommendations and cells research gap sections of the source papers, classified as general, spanning 4 journals.

Supporting evidence — 4 representative gaps

• THE PREDICTABILITY OF SILICON VALLEY BANK'S BANKRUPTCY: AN ANALYSIS USING THE CAMELS RATING SYSTEM (2026) · Çukurova Üniversitesi Sosyal Bilimler Enstitüsü Dergisi · doi

  DIRECTIONS The study has three limitations. Firstly, the study period of four years (from 2019 to 2022) might not include the structural risks built up before the period of 2019. Secondly, the study only focuses on the CAMELS ratios without considering other potential risk indicators, such as off-balance-sheet risk, derivative risk, and macroeconomic stress factors. Thirdly, the comparison of the results with the sector's averages is limited by the availability of data for the quality of management indicators. Further research potential lies in the use of various financial indicators, post-bankruptcy recovery models, and the application of machine learning algorithms for risk estimation. Further research can also be conducted 9 in terms of assessing the effectiveness of bank strategies in managing sectoral risks and mitigating market risks so that models can be developed to identify best practices in managing sectoral and market risks. The research can also be conducted in a way that more efficient early warning systems can be developed that can be used by banks to effectively manage sectoral risks. 10 REFERENCES Akbalık, M., & Sırma, İ. (2014). Foreign bank efficiency in Turkey: An application of data envelopment analysis. The Journal of Financial Research and Studies, 4(8), 1-16. https://izlik.org/JA92GH95AE Akhtar, S., Azmi, S. N., Khan, P. A., Jan, A. A., & Ansari, Z. (2024). Unveiling the financial landscape: Analyzing profitability, productivity, and efficiency of banks in an emerging economy using the CAMELS framework and panel analysis. Cogent Business & Management, 11(1), 2399747. https://doi.org/10.1080/23311975.2024.2399747 Al-Sowaidi, A.S., & Faour, A.M.W. (2023). Causes and consequences of the Silicon Valley Bank collapse: examining the interplay between management missteps and the federal reserve's floundering decisions. Journal of world economic research, 12(1), 38-46. https://doi. org/10.11648/j.jwer.20231201.15 Aranca, (2023). Loans to deposits ratio: Public listed US Banks. https://www.aranca.com/data_insight/pdf/Data-Insights- Report-Loans-to-Deposits-Ratio-Public-Listed-Banks.pdf, (12.06.2024). Baba, N., & Packer, F. (2009). From turmoil to crisis: Dislocations in the FX swap market before and after the failure of Lehman Brothers, Journal of International Money and Finance, 28(8), 1350-1374. https://doi.org/10.1016/j. jimonfin.2009.08.003 Bauer, P.W., Berger, A.N., Ferrier, G.D., & Humphrey, D.B. (1998). Consistency conditions for regulatory analysis of financial institutions: A comparison of frontier efficiency methods, Journal of economics and business, 50, 85–114. https://doi.org/10.1016/S0148-6195(97)00072-6 Bayramoğlu, M.F., & Gürsoy, İ. (2017). Individual and sectoral risk ratings of deposit banks in Turkey: An application of CAMELS analysis. Journal of Management & Economics Research, 15(1), 1-19.

  generalstated in limitationsevidence 5/5
  Keywords: https risks risk banks journal management financial sectoral camels indicators application bank market efficiency period
• LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF LISTED CONSUMER GOODS COMPANIES IN NIGERIA (2026) · International Journal of Financial Research and Business Development · doi

  Based on the results and conclusion of this study, the following recommendations can be made: 1. Companies dealing in consumer goods should maintain the current ratio at a level that will maximize solvency and profits. As established in this study, there exists a strong and positive relationship between the current ratio and financial performance, implying that firms must maintain a current ratio of between 1.5 and 2.0. They should avoid having a high current ratio since this could imply the inefficient utilization of the firm's current assets. 2. Since the quick ratio had the most positive effect on financial performance among all the liquidity ratios, firms should have more liquid assets than inventories. Credit management policies need to be adopted by the management to ensure that receivables are collected in good time and adequate cash reserves are maintained without unnecessary idle cash reserves. 3. Because the cash ratio negatively affected financial performance significantly, firms should avoid keeping excess cash. All excess cash needs to be used 219 EDITOR-IN-CHIEF Prof. R. Rena [South Africa] MEDITERRANEAN PUBLICATION AND RESEARCH INTERNATIONAL E-ISSN: 1115 - 8530 P-ISSN: 3026-8958 INTERNATIONAL JOURNAL – FRBD VOL. 13 NO. 7 – JULY, 2026 productively in growth-oriented activities, R&D, debt reduction, and payment of dividends to the firm's owners. 4. Due to the negative and significant effect of CCC on financial performance, consumer goods companies should work towards minimizing CCC. The company should aim at speeding up the process of inventory turnover through improved production and sales, reducing the number of days taken to sell products, and negotiating long supplier payment terms where possible without jeopardizing supplier relations.The board of directors and audit committees of consumer goods companies should mandate regular quarterly reviews of liquidity ratios and cash conversion cycles, benchmarking them against industry averages and best- performing peers. This will enable early detection of liquidity problems and prompt corrective actions. It is advisable that the SEC and NEXG consider the possibility of coming up with liquidity rules that target the unique requirements of each consumer goods manufacturing subsector rather than developing a generic liquidity rule that does not suit everyone’s unique working capital needs.

  generalstated in recommendationsevidence 5/5
  Keywords: ratio cash current liquidity consumer goods financial performance companies firms maintain positive avoid firm assets
• Credit Risk Management and Financial Performance: Evidence from Listed Deposit Money Banks in Nigeria (2026) · Zenodo (CERN European Organization for Nuclear Research) · doi

  The recommendations are presented in line with the three specific objectives of the study. The study found that the Non-Performing Loan Ratio (NPL) has a negative but statistically insignificant effect on Return on Equity. Although the effect was not significant, rising non- performing loans remain a potential threat to banks' profitability and financial stability. Therefore, it is recommended that listed Deposit Money Banks should strengthen their credit appraisal procedures, borrower screening mechanisms, and loan monitoring systems to minimize loan defaults. Banks should also deploy advanced credit risk assessment tools, early warning systems, 398 AMERICAN JOURNAL OF MULTIFUNCTIONAL PUBLISHING Volume – 3 | Issue – 7 |2026|ISSN: 2997-3287 and regular loan portfolio reviews to detect distressed loans promptly and improve loan recovery rates. The findings revealed that the Cash Reserve Ratio (CRR) has a positive and statistically significant effect on Return on Equity. Based on this result, it is recommended that Deposit Money Banks should continue to maintain prudent liquidity management practices and comply fully with the Central Bank of Nigeria's cash reserve requirements. At the same time, bank management should efficiently manage the portion of funds available for lending and investment to maximize profitability without compromising liquidity. The Central Bank of Nigeria should also formulate reserve requirement policies that promote financial system stability while allowing banks sufficient flexibility to support productive lending activities. The study established that the Solvency Ratio has a negative and statistically significant effect on Return on Equity. Consequently, it is recommended that bank management should maintain an optimal solvency level that satisfies regulatory requirements while ensuring efficient utilization of financial resources. Rather than holding excessive capital in low-yield assets, banks should allocate resources to quality, income-generating investments that enhance shareholders' returns without compromising long-term financial stability. Regulators should also encourage capital optimization strategies that strengthen resilience while supporting sustainable profitability. References: 1. Addou, K. I., Boulanouar, Z., Anwer, Z., Bensghir, A., & Ramadilli Mohammad, S. M. (2024). The impact of basel III regulations on the solvency and credit risk-taking behavior of Islamic banks. International Journal of Islamic and Middle Eastern Finance and Management, 17(5), 915–935 2. Adesola, O., & Oyeniran, I. A. (2026). Credit risk management and financial deposit money banks in Nigeria. International Journal performance of of Research and Innovation in 8678–8691.

  generalstated in recommendationsevidence 5/5
  Keywords: banks loan financial management effect credit bank ratio statistically return equity significant profitability stability recommended
• NEXUS BETWEEN INTEREST RATE RISK AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA (2026) · EPRA International Journal of Economics Business and Management Studies · doi

  The study identifies a gap in the existing literature on the relationship between interest rate risk and financial performance of commercial banks in Kenya. - The study aims to fill this gap by examining the nexus between interest rate risk and financial performance of commercial banks in Kenya.

  generalstated in cells research gapevidence 5/5
  Keywords: study identifies gap existing literature relationship between interest

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