A Study on the Dynamics and Competition of Financial Intermediaries in the Banking Sector Using the GRA

The banking sector functions as a sophisticated intermediation system, in which assets such as loans serve as the bank's outputs, while liabilities such as deposits serve as inputs that finance these outputs.This relationship is essential for understanding how banks connect lenders with borrowers and facilitate the flow of capital.Semi-structured interviews with bank leaders and government experts provide important qualitative perspectives on industry operations.These insights help refine theoretical models, test assumptions, and identify challenges that affect bank performance.Furthermore, differences in deposit maturities and asset-liability management approaches differentiate state-owned banks from commercial banks and shape their respective strategies.The research underscores the need to view the banking sector as a multifaceted interdependent system, in which assets and liabilities play distinct roles while being interconnected.Bank assets, such as loans, act as outputs, while liabilities, such as deposits, act as important inputs that generate income through loans and other financial activities.This dynamic highlight the important role that banks play in facilitating the flow of capital between borrowers and lenders.The study draws on semi-structured interviews with bank leaders and government experts to address theoretical gaps, test assumptions, and identify industry-specific challenges.The research further examines the differences in deposit maturities between state-owned and commercial banks, noting that state-owned banks typically hold longer-term deposits as they focus on longer-term assets such as real estate loans.The study also reflects the diverse landscape of the banking sector, with institutions expanding beyond traditional services to offer a wider range of financial products.By analyzing factors such as capital structure, competition, and regulatory frameworks, the research seeks to provide valuable insights into how these elements affect bank performance and stability.Alternatives: Market A, Market B, Market C, Market D, Market E. Evaluation Parameters: Stock Market Growth (%) (Benefit), FDI Inflows ($B) (Benefit), Inflation Rate (%) (Non-Benefit), Currency Volatility (%) (nonbenefit).The results show that Market C received the highest quality, whereas Market D received the lowest quality.According to the GRA method, Market C ranks highest in terms of dataset value for international financial markets.