No. 03 (2024) Volume - IV Issue - III

Commercial banks play a pivotal role in the economy by facilitating financial intermediation. In the dynamic landscape of banking, traditional revenue streams are often insufficient to sustain profitability. This article explores unconventional methods that commercial banks can employ to boost their income. By examining innovative strategies such as digital transformation, fintech collaborations, alternative revenue streams, and sustainable banking practices, this article provides insights into diversifying income sources and ensuring long-term financial viability.

In this article, the changes in the environmental conditions of the surrounding landscapes due to the decrease of the water level in the Aydar-Arnasoy lake system in recent years were thoroughly studied and analyzed.

This study examines the relationship between financial market development and economic growth in BRICS countries. Using panel data analysis over a specified period, the research explores the extent to which financial market development, including indicators such as market size, liquidity, depth, and efficiency, influences economic growth in Brazil, Russia, India, China, and South Africa (BRICS). The findings shed light on the dynamic interplay between financial markets and economic performance in emerging economies, providing insights into the mechanisms through which financial market development contributes to sustained economic growth in the BRICS context.

This study investigates the influence of governance factors on the quality of disclosure in financial reporting, focusing on the characteristics of boards, audit committees, and external auditors. Using a sample of [insert sample size or type of companies], the research employs quantitative analysis to examine the relationships between governance variables and disclosure quality. Findings suggest that certain board characteristics, such as independence and expertise, as well as audit committee characteristics, such as size and independence, significantly impact disclosure quality. Moreover, the involvement of external auditors in the audit process also emerges as a critical factor influencing the transparency and completeness of financial disclosures. These insights contribute to our understanding of the mechanisms through which governance structures influence disclosure practices in corporate financial reporting.