| Abstract |
This study aimed to investigate key factors influencing the long-term development of commercial banks using a survey of 450 bank managers and structural equation modelling (SEM). The results revealed five aspects influencing sustainable development: Economic, social, environmental, sustainable goods, and digital banking. Based on the research findings, the author advocated for a national environmental and social policy framework that required corporate organizations to establish environmental and social risk management policies based on a national policy framework for sustainability. Risk management strategies and methods should be implemented in internal operations and risk management in lending to consumers and business partners. Finally, boosting economic soundness, efficiency, and sustainability through growing own capital capacity, asset quality, effective management, and non-credit income. |