The Role of Financial Intelligence Strategies in Enhancing Banking Competitiveness: A Case Study of Gulf Commercial Bank
DOI:
https://doi.org/10.51699/cajitmf.v7i2.1249Keywords:
Financial intelligence, competitiveness, Gulf Commercial Bank, asset turnover, Bank lending rate, profit marginAbstract
This research aims to demonstrate the role of financial intelligence strategies in enhancing banking competitiveness by examining the relationship between Gulf Commercial Bank's adoption of these strategies and its competitive performance. The study is based on the fundamental hypothesis that the effective use of financial intelligence strategies improves resource allocation efficiency and supports financial decision-making, thereby positively impacting banking competitiveness indicators. The study employs a descriptive-analytical approach, relying on a set of financial and banking indicators to analyze both financial intelligence and banking competitiveness.
The study was applied to Gulf Commercial Bank for the period (2016-2023) to track the development of the relationship between the research variables. It is concluded that achieving financial intelligence in a bank depends not only on increasing the size of assets, but more importantly on the efficiency of their management and deployment in banking activities that generate higher returns and profitability. The study also reveals that the high growth in interest and commission income at the Gulf Commercial Bank, the sample of this research, does not necessarily lead to improved profit margins. Many years have seen increased revenue growth alongside declining profitability, reflecting flaws in cost management or inefficient resource allocation.
Furthermore, while the Gulf Commercial Bank has demonstrated improved operational efficiency (asset turnover), this has not been consistently reflected in profitability, indicating a gap between operational and profitability performance. Therefore, it is essential to implement intelligent mechanisms for managing financial intelligence indicators to enhance competitiveness in the banking market, particularly given the rapid changes in the financial environment. Restructuring the financial obligations of the Gulf Commercial Bank, the sample of this study, and streamlining funding sources to reduce costs and improve risk management will contribute to increased performance efficiency and greater financial stability. Enhancing the culture of financial intelligence within Gulf Commercial Bank through continuous banking awareness, developing the analytical capabilities of banking staff, and linking senior management decisions to smart financial indicators.
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