Background In today's rapidly changing business landscape, innovation is recognized as a critical driver of growth and competitiveness for organizations. As businesses strive to remain agile and respond to evolving customer demands, the need for effective tools to assess innovation performance...

This paper introduces a new Financial Stress Indicator (FSI) named Composite Indicator Based on Ratios (CIBOR). This paper discusses the importance of monitoring the quality of loans and capital, operational performance, profitability, and liquidity of financial institutions to prevent systemic...