WorldWideScience

Sample records for banking industry

  1. Indian Banking Industry: Challenges And Opportunities

    Directory of Open Access Journals (Sweden)

    Dr. Krishna A. Goyal

    2012-02-01

    Full Text Available The banking industry in India has a huge canvas of history, which covers the traditional bankingpractices from the time of Britishers to the reforms period, nationalization to privatization of banksand now increasing numbers of foreign banks in India. Therefore, Banking in India has beenthrough a long journey. Banking industry in India has also achieved a new height with thechanging times. The use of technology has brought a revolution in the working style of the banks.Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people onthe institution remain the same. The majority of the banks are still successful in keeping with theconfidence of the shareholders as well as other stakeholders. However, with the changingdynamics of banking business brings new kind of risk exposure.In this paper an attempt has been made to identify the general sentiments, challenges andopportunities for the Indian Banking Industry. This article is divided in three parts. First partincludes the introduction and general scenario of Indian banking industry. The second partdiscusses the various challenges and opportunities faced by Indian banking industry. Third partconcludes that urgent emphasis is required on the Indian banking product and marketingstrategies in order to get sustainable competitive edge over the intense competition from nationaland global banks.This article is a small seed to existing branch of knowledge in banking industry and is useful forbankers, strategist, policy makers and researchers.

  2. Industries and the bank lending effects of bank credit demand and monetary policy in Germany

    NARCIS (Netherlands)

    Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

    2006-01-01

    This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions fo

  3. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    OpenAIRE

    Harjum Muharam; Hasna Penta Kurnia

    2015-01-01

    Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islami...

  4. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Harjum Muharam

    2015-11-01

    Full Text Available Conventional and Islamic banks approximately are similar in risk summary. Therefore it needs further observations to control their liquidity risk. This study investigates the influence of CAR, profitability rasios, NIM, liquidity gaps, and RLA belongs to liquidity risk on banking industry. The statistical analysis concluded that there are negative and significant influence of CAR and ROE to liquidity risk on conventional banks, while ROA and RLA have positive and significant effect. In Islamic banks, a positive and significant impact of NIM and ROE to dependent variable, whereas liquidity gaps and RLA have significat effect.DOI: 10.15408/aiq.v5i2.2118

  5. Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia

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    Harjum Muharam

    2015-11-01

    Full Text Available Bank konvensional dan syariah kurang lebih memiliki risiko sama. Oleh karena itu perlu pengamatan lebih lanjut untuk mengendalikan risiko likuiditas mereka. Studi ini mengkajipengaruh CAR, rasio profitabilitas, NIM, kesenjangan likuiditas, dan RLA milik risiko likuiditas di industri perbankan. Analisis statistik menyimpulkan bahwa terdapat pengaruh negatif dan signifikan dari CAR dan ROE terhadap risiko likuiditas pada bank konvensional, sementara ROA dan RLA berpengaruh positif dan signifikan. Dalam bank syariah, dampak positif dan signifikan dari NIM dan ROE terhadap variabel dependen, sedangkan kesenjangan likuiditas dan RLA memiliki pengaruh signifikan.DOI: 10.15408/aiq.v5i2.2565

  6. Bank profitability: Insights from the rural banking industry in Ghana

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    Michael Adusei

    2015-12-01

    Full Text Available This paper analyzes the profitability of 112 rural banks (special unit banks created to promote rural financial intermediation in Ghana. The results generally show that bank size, funding risk, diversification, liquidity risk, and bank stability are significant predictors of rural bank profitability. Whereas an improvement in the funding risk of a rural bank in a particular period portends a drop in its profitability in the future, an improvement in the size, diversification, liquidity risk, and stability of a rural bank signifies an improvement in the future profitability of the bank.

  7. Credit risk assessment: Evidence from banking industry

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    Hassan Ghodrati

    2014-08-01

    Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

  8. Board Effectiveness in the European Banking Industry

    DEFF Research Database (Denmark)

    Busta, Ilduara; Hobdari, Bersant

    2015-01-01

    of the board and directors and financial performance in banking by allowing for separate behaviours under different institutional settings. Using a panel dataset of listed banks in France, Germany, Italy, Spain and the UK, we show that banks with higher presence of non-executives in their boards perform better...... in Continental Europe, while the opposite is the case in the UK. Bank size though does not seem to impact bank performance....

  9. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

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    El Mehdi Ferrouhi

    2014-12-01

    Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

  10. The Impact of Information Technology in Nigeria's Banking Industry

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    Oluwatolani, Oluwagbemi; Philip, Achimugu

    2011-01-01

    Today, information technology (IT) has become a key element in economic development and a backbone of knowledge-based economies in terms of operations, quality delivery of services and productivity of services. Therefore, taking advantage of information technologies (IT) is an increasing challenge for developing countries. There is now growing evidence that Knowledge-driven innovation is a decisive factor in the competitiveness of nations, industries, organizations and firms. Organizations like the banking sector have benefited substantially from e-banking, which is one among the IT applications for strengthening the competitiveness. This paper presents the current trend in the application of IT in the banking industries in Nigeria and gives an insight into how quality banking has been enhanced via IT. The paper further reveals that the deployment of IT facilities in the Nigerian Banking industry has brought about fundamental changes in the content and quality of banking business in the country. This analysis...

  11. DETERMINANTS OF EFFICIENCY IN ALBANIAN BANKING INDUSTRY; AN EMPIRICAL DIAGNOSIS

    Directory of Open Access Journals (Sweden)

    Elona Shehu

    2016-09-01

    Full Text Available Many articles discuss the importance of banking systems and their profitability as well as the factors determining these. This article examines the determinants of bank efficiency in the Albanian banking industry. During the second half of this decade a considerable decrease in the efficiency ratio of the Albanian banking system was evident. To understand which factors affected the efficiency, and whether Albania should control certain factors in order to improve efficiency, relationships between particular factors were analyzed using a multiple regression analysis. The study examines 16 commercial banks in Albania, from 1998 to 2015. It finds a significant relationship between efficiency, capital adequacy, the return on assets, and solvency

  12. Business culture and dishonesty in the banking industry.

    Science.gov (United States)

    Cohn, Alain; Fehr, Ernst; Maréchal, Michel André

    2014-12-04

    Trust in others' honesty is a key component of the long-term performance of firms, industries, and even whole countries. However, in recent years, numerous scandals involving fraud have undermined confidence in the financial industry. Contemporary commentators have attributed these scandals to the financial sector's business culture, but no scientific evidence supports this claim. Here we show that employees of a large, international bank behave, on average, honestly in a control condition. However, when their professional identity as bank employees is rendered salient, a significant proportion of them become dishonest. This effect is specific to bank employees because control experiments with employees from other industries and with students show that they do not become more dishonest when their professional identity or bank-related items are rendered salient. Our results thus suggest that the prevailing business culture in the banking industry weakens and undermines the honesty norm, implying that measures to re-establish an honest culture are very important.

  13. Determinants of Dividend Policy in Kosovo Banking Industry

    OpenAIRE

    Besnik Livoreka; Arta Hoti; Erdin Maloku

    2015-01-01

    As salary to Managers and employees is dividend to Shareholders. There are several determinants influencing dividend policy on the banking Industry. A stable dividend policy gives positive signal to shareholders and can be seen as positive on the bank performance. In order to distribute dividend several factors are considered. With multivariable linear regression and the data from the “Financial Stability Report” of the Central Bank of Kosovo this paper tends to present the det...

  14. Satisfaction Mayhem in the Danish Banking Industry

    DEFF Research Database (Denmark)

    Grünbaum, Niels Nolsøe

    2015-01-01

    Larger Danish banks score lower on customer satisfaction than minor Danish banks. The purpose of this empirical qualitative study is to enlighten this satisfaction paradox. The findings revealed that different satisfactions models are in play. More specifically, the larger banks in Denmark have...... undergone a transformation from a physical realm to a virtual realm. Hence, the personal relationship between the customer and bank employee has also changed. The customer perception of this is rather problematic. More specifically, the changes have diminished customers possibilities to form satisfaction...... judgments. Moreover, the larger banks also loose valuable insights in what the customers value. Without this knowledge a string of strategic business decisions will not be made based on ideal information. The originality of this study is examining and emphasizing coherence in satisfaction models in a buyer...

  15. Change and Its Repercussions for the Banking Industry

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    Adizes Ichak Kalderon

    2014-01-01

    Full Text Available Changes have always existed but their speed and frequency have become rather apparent. Changes are present in all areas of life, but here we focus on those happening in the banking industry. Banks are undergoing revolutionary changes and they must change or perish in their present form. The article explains why banks must change and what are the threats to both asset and liability sides they would face otherwise. Changes result in modifications of strategies, organizations and management. The article concludes that banks that are the most flexible and able to adapt will win the day.

  16. Banking, Mortgage and the Credit Industry in the USA

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    Bakare S

    2016-04-01

    Full Text Available Banks fail because of inadequate capital base, mismanagement of funds, over extension of credit, lack of regulation and control, and unfair competition from foreign banks. Banks face the problem of persistent illiquidity, unprofitable lending, and poor asset base. Although the Federal Reserve (Fed did not eliminate bank crises, it reduced the frequency. The presence of Fed to lend to illiquid banks and the capital markets in times of stress enhanced financial stability and reduced the frequency of bank crises. The financial crisis resulted in a call onto the government for increased supervision and improved regulation of the financial industry. Although there are new regulations and government intervention, a complete turnaround of the world’s economy may take a long time.

  17. Capital adequacy of the banking industry in Indonesia

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    Sri Murtiyanti

    2015-10-01

    Full Text Available This study analyzes the relationship between credit risk and profitability on the capital adequacy ratio (CAR of commercial banks in Indonesia. The empirical model result shows that credit risk and profitability performance altogether significantly influence the capital adequacy ratio (CAR. Partially, the variables that significantly influence the CAR are the characteristics and complexity of the bank group. This study also suggests that the pace towards the long-term balance is, in general, less than one year. Capital ratio in the banking industry is 8%, indicating the bank has set aside to anticipate the impact of external factors as well as to comply with Bank Indonesia Regulation Number 15/12/PBI/2013.

  18. DETERMINANTS OF INTEREST RATE SPREAD IN BANKING INDUSTRY

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    Arezoo GHASEMI

    2016-02-01

    Full Text Available This study is done to consider affecting factors on spread rate and define a suitable model of spread rate in banking industry. Spread rate is a difference between two related interest rates. In banking industry, spread rate is the difference between debts rate (especially for deposit and assets rate (Especially for loan. Interest rate spread has always been one of the most important and significant economic issues in different countries of the world. In this study, affecting factors on spread rate are considering in an Iranian bank during the last 19 month. Some variables such as NPL ratio, ratio of demand deposits on deposits, non interest income, and interest assets to assets, capital adequacy ratio, ROA ratio and inflation and exchange rate are analyzed on spread rate and a model is defined for bank according to prior studies and economical issues of Iran.  

  19. E-banking service quality: gaps in the Qatari banking industry

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    Norizan M. Kassim

    2005-01-01

    Full Text Available Financial liberalization and technology revolution have allowed the developments of new and more efficient delivery and processing channels as well as more innovative products and services in banking industry. Banking institutions are facing competition not only from each other but also from non-bank financial intermediaries as well as from alternative sources of financing, such as the capital markets. Another strategic challenge facing banking institutions today is the growing and changing needs and expectations of consumers in tandem with increased education levels and growing wealth. Consumers are becoming increasingly discerning and have become more involved in their financial decisions. For this reason, they are demanding a broader range of products and services at more competitive prices through more efficient and convenient channels. This study investigates the discrepancy between customer's expectation and perception towards the e-banking services.

  20. Regional Performance of China's Banks: Evidence from Industrial and Commercial Bank of China

    OpenAIRE

    2015-01-01

    This paper investigates regional performances of China's and the world's largest commercial bank: the Industrial and Commercial Bank of China (ICBC), by its spatial patterns and geographical distribution of deposits. Moran I of Geoda software and the Local Indicators of Spatial Association (LISA) are applied. Empirical evidence shows that overall performances of ICBC depended consistently on Yangtze River Delta and Bohai Sea region while performances of other regions were relatively lower-per...

  1. Determinants of Customer Satisfaction of Banking Industry in Bangladesh

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    Mohammed Belal Uddin

    2012-12-01

    Full Text Available This study aims to investigate, through the development and operationalized constructs of service quality, service charge, perceived value, and customer satisfaction; customersatisfaction and its determinants of the banking industry in Bangladesh. An exploratory factor analysis and structural equation modeling was used to analyze data. Measurement model and structural model indicate that service quality and fair service charge both havepositive direct impact on customer satisfaction in a mass service industry (i.e., banking industry. It was further observed that they also have indirect influence on customer satisfaction through perceive value, i.e. perceived value has mediating role betweenquality, charge fairness and satisfaction. Bank managers are recommended to formulate operations and marketing strategies that focus on desires of customers to enhance level of satisfaction.

  2. Market Structure, Financial Dependence and Industrial Growth: Evidence from the Banking Industry in Emerging Asian Economies.

    Science.gov (United States)

    Khan, Habib Hussain; Ahmad, Rubi Binit; Gee, Chan Sok

    2016-01-01

    In this study, we examine the role of market structure for growth in financially dependent industries from 10 emerging Asian economies over the period of 1995-2011. Our approach departs from existing studies in that we apply four alternative measures of market structure based on structural and non-structural approaches and compare their outcomes. Results indicate that higher bank concentration may slow down the growth of financially dependent industries. Bank competition on the other hand, allows financially dependent industries to grow faster. These findings are consistent across a number of sensitivity checks such as alternative measures of financial dependence, institutional factors (including property rights, quality of accounting standards and bank ownership), and endogeneity consideration. In sum, our study suggests that financially dependent industries grow more in more competitive/less concentrated banking systems. Therefore, regulatory authorities need to be careful while pursuing a consolidation policy for banking sector in emerging Asian economies.

  3. Market Structure, Financial Dependence and Industrial Growth: Evidence from the Banking Industry in Emerging Asian Economies

    Science.gov (United States)

    Khan, Habib Hussain; Ahmad, Rubi Binit; Gee, Chan Sok

    2016-01-01

    In this study, we examine the role of market structure for growth in financially dependent industries from 10 emerging Asian economies over the period of 1995–2011. Our approach departs from existing studies in that we apply four alternative measures of market structure based on structural and non-structural approaches and compare their outcomes. Results indicate that higher bank concentration may slow down the growth of financially dependent industries. Bank competition on the other hand, allows financially dependent industries to grow faster. These findings are consistent across a number of sensitivity checks such as alternative measures of financial dependence, institutional factors (including property rights, quality of accounting standards and bank ownership), and endogeneity consideration. In sum, our study suggests that financially dependent industries grow more in more competitive/less concentrated banking systems. Therefore, regulatory authorities need to be careful while pursuing a consolidation policy for banking sector in emerging Asian economies. PMID:27490847

  4. Software-Based Visual Loan Calculator For Banking Industry

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    Isizoh, A. N.; Anazia, A. E.; Okide, S. O. 3; Onyeyili, T. I.; Okwaraoka, C. A. P.

    2012-03-01

    industry is very necessary in modern day banking system using many design techniques for security reasons. This paper thus presents the software-based design and implementation of a Visual Loan calculator for banking industry using Visual Basic .Net (VB.Net). The fundamental approach to this is to develop a Graphical User Interface (GUI) using VB.Net operating tools, and then developing a working program which calculates the interest of any loan obtained. The VB.Net programming was done, implemented and the software proved satisfactory.

  5. Competition and Risk-taking in Banking Industry

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    Rostislav Staněk

    2012-01-01

    Full Text Available The aim of the paper is to investigate the relationship between competition and risk-taking in the banking industry. The paper provides a general theoretical model that incorporates the charter value models and models with contracting problems. In particular, the model contains a moral hazard problem and it enables investments into the risk-free asset. Competition on the loan side of the market is modeled as spatial competition. The model predicts that the relationship between competition and the probability of bank failure is non-monotonic and U shaped. The prediction of the model is verified by the empirical analysis conducted using the data from Czech banking sector. The HerfindahlHirschman index is used as a measurement of competition and the Z-score is used as measurement of the probability of bank failure.

  6. Investment Appraisal Process in the Banking & Finance Industry

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    M.M. Akalu; J.R. Turner (Rodney)

    2002-01-01

    textabstractWe have studied how the banking and finance industry performs investment appraisal, measures subsequent follow-up and designates project success or failure. Furthermore, the authors looked into the extent of use of the new generation value management models. The result shows that firms a

  7. P.C. disposal decisions: a banking industry case study

    Science.gov (United States)

    Shah, Sejal P.; Sarkis, Joseph

    2002-02-01

    The service industry and the manufacturing industry are interlinked in a supply chain situation. Part of the effectiveness of some manufacturing industry environmental performance based on remanufacturing and recycling is dependent on service industry decisions. In the information technology arena, personal computers (PCs) are the hard equipment of the service industry. The end-of-life decisions made by the service industry, and in this case the banking industry will have implications for the amount of systems within the waste or reverse logistics stream for manufacturers. Looking at some of the issues (and presenting a model for evaluation) related to decision making concerning end-of-life disposition for PCs is something this paper investigates. The analytical hierarchy process (AHP) is applied in this circumstance. The development of the model, its application, and results, provide the basis for much of the discussion in this paper.

  8. Relationship Marketing Stage of Development in Romanian Banking Industry

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    Alina Filip

    2016-02-01

    Full Text Available The paper emphasizes the relationship marketing stage of development within the banking industry in Romania, by identifying the extent to which business objectives and marketing strategies of companies are customer oriented. In order to achieve this aim a qualitative marketing research was conducted, by applying in-depth semi-structured interviews. The target group of the research consisted of nine banking companies, selected according to the market share, while the research participants were employees responsible for marketing, sales and customer relationship management activities. Due to respondents’ expertise, during the interviews could be applied mixed research methods in the process of data collection and subsequently, in data analysis. According to research objectives and results, although there is an increase in the importance of customer orientation within banking policies, the integration of relationship marketing optics at the institutional management level is facing a number of deficiencies, especially with regard to the concerns about employees’ satisfaction and loyalty or to the development of relationships with other stakeholders. The degree of satisfaction with the adoption of customer relationship management technology is relatively high among banks, being appreciated mainly those banking performance achieved in terms of retention rate, cross-selling and customer satisfaction. Most banks use the gross customer retention index as the main indicator of customer portfolio stability, although retention objectives tend to be set differently depending on customer value. Internal marketing strategies are developed around staff training processes, while performance evaluation criteria are rather specific to a transactional marketing approach. Results of the research provide clues on the relationship marketing processes and activities that need to be improved, in order to strengthen the current customer base and the competitive

  9. Determinants of Dividend Policy in Kosovo Banking Industry

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    Besnik Livoreka

    2015-08-01

    Full Text Available As salary to Managers and employees is dividend to Shareholders. There are several determinants influencing dividend policy on the banking Industry. A stable dividend policy gives positive signal to shareholders and can be seen as positive on the bank performance. In order to distribute dividend several factors are considered. With multivariable linear regression and the data from the “Financial Stability Report” of the Central Bank of Kosovo this paper tends to present the determinants which indicate the decision on following a certain policy. Results received from this paper is tended to inform the reader on understanding the role of determinants on dividend distribution as well as new researchers on having an additional opinion related to their future research.

  10. PREDICTING CUSTOMER CHURN IN BANKING INDUSTRY USING NEURAL NETWORKS

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    Alisa Bilal Zorić

    2016-03-01

    Full Text Available The aim of this article is to present a case study of usage of one of the data mining methods, neural network, in knowledge discovery from databases in the banking industry. Data mining is automated process of analysing, organization or grouping a large set of data from different perspectives and summarizing it into useful information using special algorithms. Data mining can help to resolve banking problems by finding some regularity, causality and correlation to business information which are not visible at first sight because they are hidden in large amounts of data. In this paper, we used one of the data mining methods, neural network, within the software package Alyuda NeuroInteligence to predict customer churn in bank. The focus on customer churn is to determinate the customers who are at risk of leaving and analysing whether those customers are worth retaining. Neural network is statistical learning model inspired by biological neural and it is used to estimate or approximate functions that can depend on a large number of inputs which are generally unknown. Although the method itself is complicated, there are tools that enable the use of neural networks without much prior knowledge of how they operate. The results show that clients who use more bank services (products are more loyal, so bank should focus on those clients who use less than three products, and offer them products according to their needs. Similar results are obtained for different network topologies.

  11. Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

    Science.gov (United States)

    Barsky, Carl

    This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

  12. EXPLORING THE DIMENSIONALITY OF SERVICE QUALITY: AN APPLICATION OF TOPSIS IN THE INDIAN BANKING INDUSTRY

    OpenAIRE

    MANABENDRA N. PAL; KOUSHIKI CHOUDHURY

    2009-01-01

    The Indian banking industry is going through turbulent times. With the lowering of entry barriers and blurring product lines of banks and non-banks since the financial sector reforms, banks are functioning increasingly under competitive pressures. Hence, it is imperative that banks maintain a loyal customer base. In order to achieve this and improve their market positions, many retail banks are directing their strategies towards increasing customer satisfaction and loyalty through improved se...

  13. CORPORATE SOCIAL RESPONSIBILITY IN INDIAN BANKING INDUSTRY: STUDY ON ATTEMPTS OF HDFC BANK

    OpenAIRE

    Nidhi Malik

    2016-01-01

    This paper is the study about the Corporate Social Responsibilities of the banking industry in India. Social Responsibility of business refers to what a business does over and above the statutory requirement for the benefit of the society. The word “responsibility” emphasizes that the business has some moral obligations towards the society. Corporate Social Responsibility also called Corporate Conscience or Responsible Business is a form of corporate self-regulation integrated int...

  14. Measurement of cost efficiency in the European banking industry

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    Branka Tuškan

    2016-04-01

    Full Text Available In this paper we analysed and compared efficiency results in the banking industry using two different approaches: financial indicators and the Data Envelopment Analysis (DEA methodology. In the indicator-based approach, we used chosen accounting ratios (Return on Assets - ROA, Return on Equity – ROE and Cost to Income Ratio - CIR and the descriptive statistics methodology to conduct analysis. In the case of DEA, a nonparametric linear programming methodology approach, expenses as input data and income as output data are used for measuring efficiency using the CCR DEA model, BCC DEA model and window analysis DEA technique. The objective of this research is ascertain whether a correlation exists between the results of the different ways of measuring efficiency. In that sense, the main purpose of this research is to draw a more precise conclusion about the efficiency of the banking industry, as tested for the period 2008–2012 on a sample of 28 European banking systems. The main difference in the obtained results is a lag of values of average accounting ratios in comparison to the results of the DEA methodology. Such a finding suggests that the DEA methodology can be useful in detecting early signs of inadequate business strategies, which can lead to the slowdown of business activity or poorer efficiency results. This can be especially important in times of an unstable financial or macroeconomic environment, as it can assist in detecting early signs of a crisis. In general, the results of both approaches suggest that banking systems in post-transition countries have a higher cost efficiency. Such systems continue to be dominantly financed through long-term deposits and are also exposed to a specific risk. They do business in a specific competitive, financial and macroeconomic environment that significantly influences the prices of financial services (i.e. higher margins, and as a consequence, leads to potentially higher banking sector earnings.

  15. A study to investigate the reasons for bank frauds and the implementation of preventive security controls in Indian banking industry

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    Khanna, A.

    2009-01-01

    Full Text Available This paper examines the issue of frauds from the perspective of banking industry. The study seeks to evaluate the various causes that are responsible for banks frauds. It aims to examine the extent to which bank employees follow the various fraud prevention measures including the ones prescribed by Reserve Bank of India. It aims to give an insight on the perception of bank employees towards preventive mechanism and their awareness towards various frauds. The study signifies the importance of training in prevention of bank frauds. A strong system of internal control and good employment practices prevent frauds and mitigate losses. The research reveals that implementation of various internal control mechanisms are not up to the mark. The results indicate that lack of training, overburdened staff, competition, low compliance level (the degree to which procedures and prudential practices framed by Reserve bank of India to prevent frauds are followed are the main reasons for bank frauds. The banks should take the rising graph of bank frauds seriously and need to ensure that there is no laxity in internal control mechanism.

  16. A study on FRAME model: Evidence from banking industry

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    Fazlollah Talebi

    2015-02-01

    Full Text Available The Framework for the Rational Analysis of Mobile Education (FRAME model explains mobile learning features as a process in terms of mobile technologies, human learning capacities, and social interaction. It describes various issues of information overload, knowledge navigation, and cooperation in learning. The framework gives insight for development of future mobile devices as well as learning materials, and an appropriate design of learning and teaching strategies for the purpose of mobile education. The proposed study of this paper implements the FRAME model in Iranian banking industry. The study has been implemented among a sample of 160 regular employees who worked for Bank Maskan in province of Alborz, Iran. To validate the questionnaire, we use content validity ratio (CVR and verify the questionnaire using Cronbach alphas. Using t-student test, the study has determined that the firm was ready to adopt mobile learning in terms of device, social and learner aspects. In our survey, learner aspect was number one priority followed by device and social aspects.

  17. Marketing Situation of Industrial and Commercial Bank of China Limited (ICBC) Anhui Anqing Branch

    OpenAIRE

    2011-01-01

    Industrial and Commercial Bank of China Ltd. (ICBC) is the largest bank of the four state-owned commercial banks in China. The bank has many provincial branches and one of them is the Commercial Bank of China Ltd (ICBC) Anhui Anqing Branch situated in the City of Anqing. The objective of this thesis was to study the market situation of ICBC Anhui Anqing Branch in Anqing city and to find out the main problems in the operation of the bank. Both a quantitative questionnaire survey and qualit...

  18. The relationship between liquidity risk and credit risk in Islamic banking industry of Iran

    OpenAIRE

    Hashem Nikomaram; Mehdi Taghavi; Somayeh Khalili Diman

    2013-01-01

    An integrated risk management is a process, which enables banks to measure and manage all risks, simultaneously. The recent turbulent chaos on banking industry has increase the relative importance of risk management, more than before. This paper investigates the relationship between credit risk and liquidity risk among Iranian banks. The proposed study includes all private and governmental banks as population over the period 2005-2012. The results Pearson correlation has disclosed a positive ...

  19. Cross-strait Financial Cooperation Brings New Chances for Banking Industry

    Institute of Scientific and Technical Information of China (English)

    Tony Phoo

    2010-01-01

    @@ China mainland and Taiwan signed a Memorandum of Understanding on banking industry supervision and cooperation recently It has great values to Taiwan banking industry which is annoyed by thin profits for long Taiwan-capitalized banks will have rights to carry out more financial services in Greater China Region Meanwhile, it is helpful to boost Taiwan towards the middle-term target of growing into regional trade and financial center

  20. Impact of Personalization, Trust and Customer Satisfaction in the Banking Industry of Malaysia

    OpenAIRE

    Amirreza Forozia; Masoud Farhoodnea

    2012-01-01

    The aim of this research is to study the impact of some factors on customer loyalty in banking industry. Data was collected through a survey from customers in Cyberjaya of Malaysia. Multiple Regression analysis is applied to understand the correlation of the collected data and test the research hypotheses. The results illustrate that personalization, trust and customer satisfaction are vital factors affecting customer loyalty in banking industry. Therefore, the banking sector should build str...

  1. Determinants of the Profitability in the Czech Banking Industry

    Directory of Open Access Journals (Sweden)

    Iveta Palečková

    2016-12-01

    Full Text Available The aim of this paper is to estimate the banking profitability determinants of the Czech commercial banks during the period 2004-2014. For estimation of banking profitability we used three common measures, namely the Return on Assets, Return on Equity and Net Interest Margin. We estimated twelve determinants of banking performance. The effect of the determinants of banking profitability is estimated using panel data analysis. The data set is consists of seventeen commercial banks in the Czech Republic. The results show that the profitability was positively influenced by the bank’s size, capitalization, credit risk, level of concentration, ownership structure and bank’s market share. Number of branches of the bank had the negative impact on ROA and ROE. on the other hand, the variables Gross Domestic Product, interest rate, liquidity risk, riskiness of bank’s portfolio and affiliation with financial conglomerate have not got the significant influence on profitability of the Czech commercial banks.

  2. Current Credit Risk Management Practices in Chinese Banking Industry

    OpenAIRE

    Zheng, Hao

    2008-01-01

    ABSTRACT Bank loans can be characterized as the engine of the Chinese economy as the economy is almost financed by bank loans. As a result, Credit risk management in Chinese banks is not only the issue to those banks, but it is also essential to the stability of the whole economy. Inadequate credit risk management practices can create an unforeseeable disaster to China in the future, especially with a significant increase in credit expansion. In the last decade, the government has tried ha...

  3. Relationship between Pre and Post Merger and Acquisition Banking Industry Performance in Nigeria

    Directory of Open Access Journals (Sweden)

    Christian U. Amu

    2015-09-01

    Full Text Available The objective of this paper is to analyse the relationship between the pre and post merger and acquisition performance of banking industry in Nigeria. Aggregate banking data ranging from 1981 to 2013 were analysed for evidence of correlation between the pre-merger banking performance and post-merger banking performance in Nigeria. The results obtained from the descriptive analysis of the pre and post merger and acquisition periods shows that the banking industry performance is significantly better after the merger than before the merger. Furthermore, the Pearson correlation coefficients show that absence of relationship between the pre and post merger period. Overall, the results show that there is significant difference in the performance of Nigerian banking industry in the pre merger and post merger and acquisition periods.

  4. Wetland mitigation banking for the oil and gas industry: Assessment, conclusions, and recommendations

    Energy Technology Data Exchange (ETDEWEB)

    Wilkey, P.L.; Sundell, R.C.; Bailey, K.A.; Hayes, D.C.

    1994-01-01

    Wetland mitigation banks are already in existence in the United States, and the number is increasing. To date, most of these banks have been created and operated for mitigation of impacts arising from highway or commercial development and have not been associated with the oil and gas industry. Argonne National Laboratory evaluated the positive and negative aspects of wetland mitigation banking for the oil and gas industry by examining banks already created for other uses by federal, state, and private entities. Specific issues addressed in this study include (1) the economic, ecological, and technical effectiveness of existing banks; (2) the changing nature of local, state, and federal jurisdiction; and (3) the unique regulatory and jurisdictional problems affecting bank developments associated with the oil and gas industry.

  5. The relationship between liquidity risk and credit risk in Islamic banking industry of Iran

    Directory of Open Access Journals (Sweden)

    Hashem Nikomaram

    2013-04-01

    Full Text Available An integrated risk management is a process, which enables banks to measure and manage all risks, simultaneously. The recent turbulent chaos on banking industry has increase the relative importance of risk management, more than before. This paper investigates the relationship between credit risk and liquidity risk among Iranian banks. The proposed study includes all private and governmental banks as population over the period 2005-2012. The results Pearson correlation has disclosed a positive and meaningful relationship between credit and liquidity risks. Bank size also impacts on two mentioned risk factors but we there seems to be no relationship between financial chaos and type of ownership with risk factors.

  6. Investigating the effects of issuance of bank debt guarantee on profitability of banking industry

    Directory of Open Access Journals (Sweden)

    Reza Pirayesh

    2014-02-01

    Full Text Available This paper presents an empirical investigation to study the relationship between bank debt guarantee and profitability, increase in banks resources and customer retention. The proposed study has been implemented in one of Iranian banks located in city of Zanjan, Iran over the period of 10 years. The study has used Pearson correlation test to examine three hypotheses of the survey. The results indicate that there were positive and meaningful relationship between bank debt guarantee and profitability (r = 0.863, P-value = 0.001, a positive relationship between bank debt guarantee and bank resources (r = 0.708 with P-value = 0.015 and there was a positive and meaningful relationship between bank debt guarantee and customer retention (r = 0.252 with P-value = 0.001.

  7. Service Recovery Paradox In Indian Banking Industry: An Empirical Investigation

    Directory of Open Access Journals (Sweden)

    Arunesh Garg

    2013-10-01

    Full Text Available The present study examines existence of service recovery paradox in Indian banking industry. The study is taken up in the tri-city of Chandigarh, Panchkula and Mohali. The respondents are catego- rized into failure and no-failure groups on the basis of their service experience. Failure group consti- tutes those respondents who have experienced service recovery, and has been further divided into five sub-groups ranging from service recovery++ (service recovery better than expected to service recovery- - (service recovery worse than expected. Service recovery paradox is examined by com- paring service recovery++ group with no-failure group. The study shows evidence for existence of service recovery paradox in relation to satisfaction. It has been concluded that for service recovery paradox to exist, recovery effort has to be exceptionally good and much better than expectation level of the customer. The study suggests that service managers should take service failure as an opportunity to appease customers by providing a much better than expected recovery experience. However, organizations should not plan to create service failure situations because if they falter on imparting the recovery, customer satisfaction may be influenced negatively.

  8. E-banking Complexities and the Perpetual Effect on Customer Satisfaction in Rwandan Commercial Banking Industry: Gender as a Moderating Factor

    OpenAIRE

    Machogu AM; Okiko L

    2015-01-01

    The marvelous kinds of innovation in technology and hard line blend of it with information technology has made a paradigm shift in the banking industry. Transformation from traditional, bricks-and-mortar banking to E-banking has been momentous. The major innovation in technology have been a major force in the radical transformation that has led to the geographical, legal and industrial barriers and has led to the creation of new products and services more so in the banking industry. E-banking...

  9. Incentive compensation in the banking industry: insights from economic theory

    OpenAIRE

    Christopher Phelan; Douglas Clement

    2009-01-01

    How can banks and similar institutions design optimal compensation systems? Would such systems conflict with the goals of society? This paper considers a theoretical framework of how banks structure job contracts with their employees to explore three points: the structure of a socially optimal compensation system; the structure of a compensation system that is privately optimal, given the reality of government-guaranteed bank debt; and policy interventions that can lead from the second struct...

  10. The Sources of Efficiency of the Nigerian Banking Industry: A Two- Stage Approach

    Directory of Open Access Journals (Sweden)

    Frances Obafemi

    2013-11-01

    Full Text Available The paper employed a two-stage Data Envelopment Analysis (DEA approach to examine the sources oftechnical efficiency in the Nigerian banking sub-sector. Using a cross sectionof commercial and merchant banks, the study showed that the Nigerian bankingindustry was not efficient both in the pre-and-post-liberalization era. Thestudy further revealed that market share was the strongest determinant oftechnical efficiency in the Nigerian banking Industry. Thus, appropriatemacroeconomic policy, institutional development and structural reforms mustaccompany financial liberalization to create the stable environment requiredfor it to succeed. Hence, the present bank consolidation and reforms by theCentral Bank of Nigeria, which started with Soludo and continued with Sanusi,are considered necessary, especially in the areas of e banking and reorganizingthe management of banks.

  11. A Qualitative Analysis Into The Strategic Priorities of The Indonesian Bank Industry

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    Siti Ridloah

    2016-04-01

    Full Text Available This research paper investigates present day strategic priorities employed by large (foreign exchange banks in Indonesian banking industry. The research used ‘idea networking’ of the mission statements of banks as the means to identifying a handful of priorities. The population comprised commercial banks in Indonesia. Foreign exchange banks in Indonesia were chosen as a sample of this study .The study was conducted in 2014. The research method utilized in this study is qualitative clustering through idea networking. In this method, the idea statements were extracted and linked to each other to produce diagrams resulting in clusters of statements that were generalized into priorities. The finding from this study is that Indonesian banks have six main priorities of “service excellence”, “prudent corporate governance”, “innovative”, “customer segmentation focus”, “professionalism” and “social responsibility”. This, undoubtedly, provides some insight into the potential threats to the Indonesian bank industry as well as an agenda for change.Penelitian ini mengkaji mengenai prioritas strategik pada bank-bank besar (valuta asing dalam industri perbankan Indonesia. Penelitian ini menggunakan ‘idea networking’ dari pernyataan misi bank sebagai sarana untuk mengidentifikasi beberapa prioritas. Populasi terdiri atas bank komersial di Indonesia. Bank valuta asing di Indonesia dipilih sebagai sampel penelitian ini. Penelitian ini dilakukan pada tahun 2014. Metode penelitian yang digunakan dalam penelitian ini adalah qualitative clustering melalui ‘ide networking’. Dalam metode ini, pernyataan ide diekstraksi dan dihubungkan satu sama lain untuk menghasilkan diagram yang menghasilkan kelompok pernyataan yang digeneralisasikan ke dalam prioritas. Temuan dari studi ini adalah bahwa perbankan Indonesia memiliki enam prioritas utama “pelayanan prima”, “tata kelola perusahaan yang bijaksana”, “inovatif”,

  12. EVALUATING CUSTOMER-PERCEIVED SERVICE QUALITY AND CUSTOMER SATISFACTION IN THE NIGERIAN BANKING INDUSTRY

    OpenAIRE

    Dr. Moguluwa Shed Chinwuba; Ode Egene

    2013-01-01

    Keeping in view the significance of customer perceived quality in todays competitive banking environment, the study was designed to evaluate customer-perceived service quality and customer satisfaction in the Nigerian banking industry. This research focused on the measurement of customer satisfaction through delivery of service quality in the banking sector in Nigeria. A quantitative research was used to study the relationship between service quality dimensions and customer satisfaction. Find...

  13. Competition, Efficiency, and Soundness in Banking : An Industrial Organization Perspective

    NARCIS (Netherlands)

    Schaeck, K.; Cihák, M.

    2010-01-01

    How can competition enhance bank soundness? Does competition improve soundness via the efficiency channel? Do banks heterogeneously respond to competition? To answer these questions, we exploit an innovative measure of competition [Boone, J., A new way to measure competition, EconJnl, Vol. 118, pp.

  14. Greening industry without enforcement? An assessment of the World Bank's pollution regulation model for developing countries

    NARCIS (Netherlands)

    van Rooij, B.

    2010-01-01

    The best comparative and overview source now available for knowledge about pollution regulation in developing countries is the 2000 World Bank policy research report called Greening Industry. The World Bank finds that there is a new model for pollution regulation in lower- and middle-level income co

  15. Standardization of information systems development processes and banking industry adaptations

    CERN Document Server

    Tanrikulu, Zuhal

    2011-01-01

    This paper examines the current system development processes of three major Turkish banks in terms of compliance to internationally accepted system development and software engineering standards to determine the common process problems of banks. After an in-depth investigation into system development and software engineering standards, related process-based standards were selected. Questions were then prepared covering the whole system development process by applying the classical Waterfall life cycle model. Each question is made up of guidance and suggestions from the international system development standards. To collect data, people from the information technology departments of three major banks in Turkey were interviewed. Results have been aggregated by examining the current process status of the three banks together. Problematic issues were identified using the international system development standards.

  16. Standardization of Information Systems Development Processes and Banking Industry Adaptations

    OpenAIRE

    Tuna Ozcer; Zuhal Tanrikulu

    2011-01-01

    This paper examines the current system development processes of three major Turkish banks in terms of compliance to internationally accepted system development and software engineering standards to determine the common process problems of banks. After an in-depth investigation into system development and software engineering standards, related process-based standards were selected. Questions were then prepared covering the whole system development process by applying the classical Waterfall l...

  17. Evaluation of Maintenance Management Practice in Banking Industry in Lagos State, Nigeria

    Directory of Open Access Journals (Sweden)

    Olajide Julius Faremi

    2012-04-01

    Full Text Available The study focused on maintenance management practice in banking industry in Lagos state, Nigeria. It assessed the operational state of bank buildings, the factors affecting maintenance management of bank buildings, the maintenance management strategy used in maintainingbank buildings and the adequacy of funds available for maintenance management of bank buildings within the study area. In achieving these objectives, opinions of maintenanceofficers and users of randomly selected banks were sampled through structured questionnaires. The data collected were analyzed using descriptive and inferential statistics. The analysis revealed the operational state of bank buildings in Lagos State as good, there is no significant difference in the perception of the maintenance staff and users as to the operational state. However, there is significant difference in the operational state of the old and the newgeneration bank buildings as the study reveals that the components and services of the buildings of the new generation banks are in better operational state than those of the old generation bank buildings. Maintenance officers ranked attitude of users and misuse of facilities as the most significant factor affecting maintenance management of bank buildings while users of the buildings ranked lack of discernable maintenance culture in the country asthe most significant factor responsible for poor maintenance management of bank buildings. The perception of the maintenance staff and users of bank buildings as regards factors responsible for poor maintenance management of bank buildings are significantly different. The study recommended proactive measures to keep hypothesized factors under check in other to overcome the prevailing maintenance problems of bank buildings. Top managementare to provide adequate funding for the running of maintenance operations and such funds should be properly monitored to ensure that it is judiciously utilized.

  18. Risk Contagion in Chinese Banking Industry: A Transfer Entropy-Based Analysis

    Directory of Open Access Journals (Sweden)

    Jianping Li

    2013-12-01

    Full Text Available What is the impact of a bank failure on the whole banking industry? To resolve this issue, the paper develops a transfer entropy-based method to determine the interbank exposure matrix between banks. This method constructs the interbank market structure by calculating the transfer entropy matrix using bank stock price sequences. This paper also evaluates the stability of Chinese banking system by simulating the risk contagion process. This paper contributes to the literature on interbank contagion mainly in two ways: it establishes a convincing connection between interbank market and transfer entropy, and exploits the market information (stock price rather than presumptions to determine the interbank exposure matrix. Second, the empirical analysis provides an in depth understanding of the stability of the current Chinese banking system.

  19. An investigation on loyalty formation model in e-banking customers: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Mahmood Reza Esmaeili

    2013-03-01

    Full Text Available E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with designing and explanation of loyalty formation model in e-banking. The preliminary results indicate that “satisfaction” is the most influential component affecting customer loyalty formation with an 87% diagnose coefficient. In addition, trust formation in customers may impact loyalty in an electronic environment with a 70% diagnose coefficient. Moreover, the most important factors impacting customer satisfaction include “reputation” “perceived value,” “service quality,” and “habit” with relative effects coefficients of 44%, 32%, 29%, and 26%, respectively. Finally, “reputation,” “service quality,” “habit” and “perceived value” have been the most important factors influencing customer trust with influence coefficients of 37%, 32%, 31%, and 24%, respectively.

  20. Application of Business Intelligence in the Banking Industry

    Directory of Open Access Journals (Sweden)

    Bogdan Ubiparipović

    2011-12-01

    Full Text Available A highly dynamic market, changing client demands, fierce competition, the necessity of strict control and risk management are only some of the characteristics of the business environment where modern banks conduct their operations. Better management and better decision-making process make the difference between the successful and the unsuccessful on the market with these characteristics.Business intelligence solutions for banks should provide the decision makers from all business segments of a bank with the ability to manage and exploit information resources, in order to solve the problems and make timely and high-quality decisions. Business intelligence systems in banks must be comprehensive and yet simple for the end user. Business intelligence covers many areas of the bank, and among the most important are: Customer Relationship Management (CRM, Performance Management (PM, Risk Management (RM, Asset and Liability Management (ALM, and Compliance. Data warehouse and online analytical processes (OLAP form the informational basis for the application of business intelligence.Data mining and knowledge retrieval are also important segments of business intelligence and deal with complex statistical analysis, discovering "hidden" relationships between data and forecasting the behaviour trends of business systems.

  1. Capital adequacy of the banking industry in Indonesia

    OpenAIRE

    Sri Murtiyanti; Noer Azam Achsani; Dedi Budiman Hakim

    2015-01-01

    This study analyzes the relationship between credit risk and profitability on the capital adequacy ratio (CAR) of commercial banks in Indonesia. The empirical model result shows that credit risk and profitability performance altogether significantly influence the capital adequacy ratio (CAR). Partially, the variables that significantly influence the CAR are the characteristics and complexity of the bank group. This study also suggests that the pace towards the long-term balance is, in general...

  2. How customer satisfaction changes behavior: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Hossein Vazifedoost

    2013-06-01

    Full Text Available An increase on competition industry from one side and the need for customer retention on the other side in banking industry create necessary motivation to learn more about customer behavior. This paper investigated the relationship between seven perspectives of banking services and customers’ attitude towards changing behavior. The seven perspectives included how bank employees’ treat customers, service prices, how to promote and market synergies, place and time to serve customers, products, equipment and process. The proposed study was implemented in two Iranian banks called Mellat and Tejarat in city of Tehran, Iran. The results indicated that all components except one case, which was “how to promote and market synergies” had meaningful and negative relationship with customer behavior.

  3. The effect of customer relationship management on customer loyalty: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hadi Hajiyan

    2015-11-01

    Full Text Available Measuring customer satisfaction in banking industry plays essential role for increasing market share and profitability. In this paper, we present an empirical investigation to measure the effect of customer relationship management (CRM on customer loyalty in Iranian banking industry. The study aims to understand whether implementation of a good CRM could increase the quality of services. The study designs a questionnaire in Likert scale and distributes it among 65 selected customers who do their banking activities with Bank Melli Iran in city of Semnan, Iran. Cronbach alpha has been calculated as 0.939, which is well above desirable level. Using t-student test, the study has determined that implementation of CRM could increase customer loyalty and quality of services.

  4. Measuring the value of internal audit in the banking industry

    Directory of Open Access Journals (Sweden)

    Clara-Iulia Zinca (Voiculescu

    2016-09-01

    The results of the study suggest that most organizations use methods that contain mainly quantitative and less qualitative elements. There are differences between banks and other types of organizations in terms of the methods and practices used, but also on the importance showed to measurement of internal audit value. In addition, the findings confirm that there is room for improving the methods and practices used, so that the audit function gains value and credibility.

  5. Effects Of Rotation On Auditor Independence And Quality Of Audit Service In Malaysian Banking Industry

    Directory of Open Access Journals (Sweden)

    Kabiru Isa Dandago

    2012-12-01

    means for ensuring auditor independence and high audit quality in the Malaysian banking industry. In the absence of statutory/mandatory requirement for auditor rotation, it is recommended that the Malaysian banking institutions should be carefully evaluating the impact auditor rotation would have on the quality of audit work on their current and future financial statements, as they decide whether to rotate their auditors or not.

  6. Corporate Restructuring of Industrial and Commercial Bank of China (ICBC), Motivators and Impacts

    OpenAIRE

    2006-01-01

    In recent years, corporate restructuring has become a common practice undertaken by firms for surviving an increasingly fierce business environment. In the present work, a case study is employed to explore the motivators and impacts of restructuring of China's largest bank, Industrial and Commercial Bank of China (ICBC). This paper begins by illustrating the theoretical explanations and implications regarding corporate restructuring. Taking into account the Chinese institutional context, the ...

  7. Board Monitoring, Regulation and Performance in the Banking Industry: Evidence from the Market for Corporate Control

    OpenAIRE

    Hagendorff, Jens; Collins, Michael; Keasey, Kevin

    2010-01-01

    Abstract Manuscript Type: Empirical Research Question/Issue: The specific monitoring effect of boards of directors versus industry regulation is unclear. In this paper, we examine how the interaction between bank-level monitoring and regulatory regimes influences the announcement period returns of acquiring banks in the US and twelve European economies. Research Findings: We study three board monitoring mechanisms (independence, CEO-chair duality and diversity) and analyze t...

  8. Path Analysis of Perceived Service Quality, Satisfaction and Loyalty in the Banking Industry of Iran

    Directory of Open Access Journals (Sweden)

    Kambiz Heidarzadeh Hanzaee

    2012-05-01

    Full Text Available The purpose of this study is to determine the path of service quality, satisfaction and loyalty in the Iranian banking industry. A SERVQUAL scale was designed to measure service quality for the Iranian banking industry. A path analysis was conducted to examine the model, which links the constructs of service quality, customer satisfaction and loyalty at the level of individual indices of these constructs. Among the dimensions of the SERVQUAL scale, only “tangible” dimensions have not had an effect on customer satisfaction in Iranian banking system. The limitation of the research is the relevance of this model to another service industry. Another limitation is the available sampling. Banking managers may seek to use the SERVQUAL scale in order to measure banking service quality. Instead of tangible components, they must improve other intangible components and attempt to direct their support towards the increase in the customers who tend to use word of mouth advertisement. This paper deals with the investigation of the path of service quality, customer satisfaction and loyalty at some specific levels originating from the Iranian banking system.

  9. Impact of Personalization, Trust and Customer Satisfaction in the Banking Industry of Malaysia

    Directory of Open Access Journals (Sweden)

    Amirreza Forozia

    2012-08-01

    Full Text Available The aim of this research is to study the impact of some factors on customer loyalty in banking industry. Data was collected through a survey from customers in Cyberjaya of Malaysia. Multiple Regression analysis is applied to understand the correlation of the collected data and test the research hypotheses. The results illustrate that personalization, trust and customer satisfaction are vital factors affecting customer loyalty in banking industry. Therefore, the banking sector should build strategies to enhance customer loyalty by increasing personalization, trust and customer satisfaction. In addition, it is predicted that this research study will set a foundation for future studies of the feature of business activities in Malaysia and in general, the broader service industry context.

  10. Personality as predictor of customer service centre agent performance in the banking industry: An exploratory study

    Directory of Open Access Journals (Sweden)

    Linda Blignaut

    2014-02-01

    Full Text Available Orientation: Since service quality is an important differentiator in the banking industry, it is essential to select suitable customer service centre staff, particularly those who are responsible for handling queries from clients who hold significant lifetime value in this industry.Research purpose: The aim of the study was to identify personality traits, as measured by the Occupational Personality Questionnaire 32r (item response theory scored version, including the more parsimonious Big Five personality traits, that may act as job performance predictors for customer service centre (CSC agents in the banking industry.Motivation for the study: This study provides an exploratory investigation of whether specific personality traits differ amongst CSC agents in the banking industry, based on their job performance. No published research in this field could be identified.Research design, approach and method: Purposive sampling was used to collect data from the entire CSC agent base of a particular banking group (N = 89. Responses were analysed by means of quantitative techniques.Main findings and practical/managerial implications: Results indicate that parsimonious traits of personality, expressed as the Big Five personality traits, predict job performance. The importance of carefully selecting suitable job performance criteria for a specific environment, however, emerged as a critical issue in performance prediction.Contribution: The study focuses attention on the importance of CSC agents’ performance as frontline staff in the banking industry and identifying valid criteria for selecting the most suitable agents. Providing a one-contact point of service such as a CSC is a fairly new approach in the South African banking industry and this study provides an initial investigation of personality traits that may serve as job performance predictors in this environment.

  11. Securitization in the Brazilian Banking Industry: An Empirical Study

    Directory of Open Access Journals (Sweden)

    Umbelina Cravo Teixeira Lagioia

    2009-05-01

    Full Text Available Securitization is a modality of structured finance which allows a company to raise funds based on its receivables through capital markets. In Brazil, securitization was developed mostly in the form of mutual funds -- the FIDC, which raise money by issuing senior quotas for qualified investors, and subordinated cotes, usually bought by the company that originated the receivables. This paper evaluates the risk and return for both kinds of investors through a stochastic model with two main variables: interest rates and default rates. The model is still sensible to the characteristics of the fund, like the amount of subordinated cotes, the type of asset being securitized; and the amount of receivables in relation to the assets. Regarding the case of senior cotes, the risk of returns under the basic level of interest rates is highly improbable; and in the case of subordinated cotes, the risk of returns under the basic interest rate may be considered still low, due to the high spreads observed in the Brazilian financial market. The simulations indicated that under historically mean interest rate volatility the default rates are the main component of the total risk. Accordingly to the developed analysis of international standards of regulation, the Brazilian Central Bank imposes very strong capital requirements to banks that securitize their assets and purchase the corresponding subordinated cotes.

  12. Measuring relative performance of banking industry using a DEA and TOPSIS

    Directory of Open Access Journals (Sweden)

    Mohammad Hemmati

    2013-02-01

    Full Text Available One of the primary concerns in banking industry is to measure the relative importance of banking industry using popular multi criteria decision making (MCDM techniques such as data envelopment analysis (DEA and Technique for Order Preference by Similarity to Ideal Solution (TOPSIS. In this paper, we use these two MCDM techniques to measure the relative efficiencies of 16 private and governmental banks in terms of electronic payment. There are three inputs with DEA methods including the number of issued cards, the number of ATM machines and the number of POSs and there are two outputs including the number of successful ATMs and the number of successful POSs transactions. The proposed study of this paper uses the necessary data of one of Iranian provinces and the results of the implementation of DEA and TOPSIS have indicated that 9 out of 16 banks were efficient. Our study also indicates that mean of relative efficiency for private banks was 82% while this number was 75% for governmental banks.

  13. A study on relationship between tail risk on earning management in Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2013-02-01

    Full Text Available Risk management plays an important role in banking industry and there are literally many investigations to reduce any risk components in this industry. In this paper, we present a study on relationship between tail risk on earning management in Iranian banking industry. In this survey, we use two series of data. The first set is associated with yearly information of 19 different banks over the period 2005-2011 and it contains 114 observations. The second set of data includes weekly historical data of eight banks over the same period 2005-2011. In this survey, there are four objectives to be investigated. The first hypothesis considers the effects of seven independent variables on loan loss allowance as a fraction of total loans. The second model is associated with the effects of two independent variables on realized gains and losses on securities. The third objective is to study the effects of different independent variables with various interruptions on return of banking sectors. Finally, the last model investigates the effects of revenue management on tail risk. The result of this survey indicates that there is no relationship between tail risk and earning management.

  14. The relevance of customer relationship management in the nigerian banking industry (A case study of intercontinental Bank Plc

    Directory of Open Access Journals (Sweden)

    Babatunde B. O.

    2010-12-01

    Full Text Available Customers relation management (CRM is an emerging customer innovation focused on growing customers profitably by knowing, caring and delivering value to the customers in a bid to enhance customer intimacy, increase quality service levels and enhance business penetration supported by technological capabilities.The objectives of the study is to find out the relevance of CRM in the industry and the extent of the concepts adopted. Also to determine the extent to which the CRM concept assist to build up competitive advantage overtime. In order to ascertain the fact in this research work secondary data were collected and regression model technique were adopted to analyze result both in quantitatively and descriptively format. Also, the finding revealed that more resources should be invested in technology and personnel training in order to get the best out of the customer relationship management (CRM. Recommendation were equally offered for banks aiming towards crafting a niche for themselves in the turbulent industry.

  15. Prediction of default probability in banking industry using CAMELS index: A case study of Iranian banks

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2013-04-01

    Full Text Available This study examines the relationship between CAMELS index and default probability among 20 Iranian banks. The proposed study gathers the necessary information from their financial statements over the period 2005-2011. The study uses logistic regression along with Pearson correlation analysis to consider the relationship between default probability and six independent variables including capital adequacy, asset quality, management quality, earning quality, liquidity quality and sensitivity of market risk. The results indicate that there were no meaningful relationship between default probability and three independent variables including capital adequacy, asset quality and sensitivity of market risk. However, the results of our statistical tests support such relationship between default probability and three other variables including management quality, earning quality and liquidity quality.

  16. The Revolution in Banking and the Financial Services Industry. Series on Public Issues No. 11.

    Science.gov (United States)

    Fraser, Donald R.

    It is the premise of this booklet, one of a series intended to apply economic principles to major social and political issues of the day, that a revolution in the banking and financial services industry is altering not only the fundamental nature of the services offered but the character of the organizations themselves. The purpose of the essay is…

  17. Intensity of Competition and Market Structure in the Italian Banking Industry

    NARCIS (Netherlands)

    Giannetti, C.

    2008-01-01

    This work tests the predictions of Sutton’s model of independent submarkets for the Italian retail banking industry. In the first part of this paper, I develop a model of endogenous mergers to evidence the relationship between firms’ conduct, market entry and market structure. In the second part, I

  18. The Development of Strategic Bank Lending Industries in the Context of Globalization

    Directory of Open Access Journals (Sweden)

    Oksana Markovna Kramarenko

    2015-09-01

    Full Text Available It is shown that, in the context of globalization, improved credit support for strategic sectors of the economy (for example, shipbuilding can be achieved through the creation of a banking consortium based around leasing. A dialectical method of resolution of system tasks is selected as the methodological approach. Methods used include: comparative cost analysis of the strategic lending industry supporting the formation and development of a banking consortium; integrated method at the condition modeling of making and implementation of a lease agreement, which allowed to accommodate the interests for both parties of such agreement; optimization method to select the conditions of a lease agreement; classification and analytical method to clarify the classification of lease. The study proved and developed a plan of creation a banking consortium, including options of interaction of such consortium with potential customers based on a lease agreement. The process of functioning of the lease agreement in order to optimize it for both a bank consortium-lessor and a lessee is modeled. The significant advantages of leasing compared to the traditional lending for both parties of leasing, especially when ensuring long-term projects are summarized. The results of the research can be applied in the strategic lending industries development and can reduce the level of banking risks. Applying the results of the research in the social aspect can maintain and increase the number of jobs including the banking sector. The value of the work leis in the fact that the author has developed a new approach to achive the credit support for strategic sectors of the economy through the creation of the banking consortium based around leasing, which allows to protect the interests of both parties.

  19. E-banking Complexities and the Perpetual Effect on Customer Satisfaction in Rwandan Commercial Banking Industry: Gender as a Moderating Factor

    Directory of Open Access Journals (Sweden)

    Machogu AM

    2015-12-01

    Full Text Available The marvelous kinds of innovation in technology and hard line blend of it with information technology has made a paradigm shift in the banking industry. Transformation from traditional, bricks-and-mortar banking to E-banking has been momentous. The major innovation in technology have been a major force in the radical transformation that has led to the geographical, legal and industrial barriers and has led to the creation of new products and services more so in the banking industry. E-banking can be traced back to as early as 1970s. The main two reason as to why banks began replacing some of their traditional branch functions include:- Firstly, the setup and maintenance of branches was very expensive because of the overhead expenses associated with them, and Secondly, E-banking products/services created a completive advantage for the banks that utilized them. E-banking is a composite of various or technologies, such as telephone (both landline and cell phones, direct bill payment i.e. (Electronic Funds Transfer (EFT and PC or Internet banking and mobile banking. The five main basic services associated with ebanking include: view of account balances and transaction histories; paying bills; transferring funds between accounts; requesting credit card advances; and ordering checks. The objective of this study to evaluate the perceptual view of the male and female respondents on the e-banking complexities and how they affect the male and female customer’s satisfaction. The research evaluated the view of the respondents based on their demographic profile on the E-banking complexities and its effects on their satisfaction. This research was perceptual-tailored and relationship-oriented; identifying the underpinning e-banking complexities, and how they are influenced by the customer’s gender and its effect on customer satisfaction. The study used the descriptive and co relational research designs. The respondents sampled in this study were only

  20. Evaluating the Relationship between Concentration Indicators and Profitability of Banking Industry in Ira

    Directory of Open Access Journals (Sweden)

    Kamran BARGHANDAN

    2015-12-01

    Full Text Available Determining the structure of a market plays an important role for policy makers to adopt efficient policies to enhance social welfare of their societies. This welfare is happened in a competitive framework. This study first attempt to measure the concentration level of banking industry and then examines its relationship with profitability measure according to the calculated values. The findings estimated indicate that the Herfindhal-Herishman index has a positive and significant effect on the profitability of the industry. The results also demonstrate that the trend of concentration indicators, except for year 2006, has not declined considerably during the study period such that the concentration ratio for the largest four banks, all the 4 banks are active in the governmental sector, is near 0.57. Additionally, this reality in the Iranian industry is confirmed under the Herfindhal- Herishman indicator during the period. Therefore, we can conclude that the governmental sector is the dominant part of banking system in Iran and private sector does not play a crucial role.

  1. An Empirical Analysis of Impact of E-commerce on Banking Industry in China

    OpenAIRE

    Jiang, Bo

    2010-01-01

    In recent years, e-commerce grows rapidly in the whole world. In the United State and European countries, e-commerce has become a significant financial service channel and played an irreplaceable role comparing with traditional banking. In these ten years, the banking industry in China has begun to implement e-commerce in order to serve their customers better. The implementation of e-commerce has changed people’s understanding of financial issues. Meanwhile, e-commerce brings new profit point...

  2. An empirical investigation on factors influencing on work stress: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Alireza Davoudzadeh Moghaddam

    2015-08-01

    Full Text Available An individual with a career faced with various career challenges may experience work-related stress. Work related stress is a factor that threatens employees’ health. The most common negative consequences of stress are particularly the deterioration of performance and efficiency, decrease in productivity and quality of customer’s services, which results in health problems. Work-related stress is a global issue, and banks are no exception. This paper presents a survey to investigate the influencing factors on work stress in banking industry. The study designs a questionnaire and distributes it among 200 randomly selected bank department managers in city of Tehran, Iran. Using principle component analysis, the study has detected five factors including organizational characteristics, external environment, work content, personal characteristics and top management.

  3. The Compare of Concentration and Efficiency in Banking Industry: Evidence from the OPEC Countries

    Directory of Open Access Journals (Sweden)

    Mehdi BEHNAME

    2012-11-01

    Full Text Available The purpose of this paper is studying that whether the profitability from banking industry comes from the market power or it is a result of their high efficiency level. For this act, we have exerted structuralism and Chicago models versus X-and scale efficiency. Our sample covers the banks in the OPEC countries in the period 1995- 2009. The results for all countries in our sample show that X-and scale efficiency have the positive and significant effect on profitability but, concentration variable decreases profitability. Overall the results above support that the market power hypotheses are rejected for the OPEC countries, while efficiency gains appear to have a positive and significant impact on banking profitability.

  4. A study on relationship between audit quality and earnings management in Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Masihi

    2013-12-01

    Full Text Available This paper presents an empirical investigation to study the relationship between audit quality and earnings management in Iranian banking industry. The proposed study gathers the necessary information from 18 different Iranian banks over the period 2005-2012. The study considers the effects of three independent variables including type of auditing, tenure of auditing and size of bank on earning managements. The result of our survey has indicated that there was a meaningful and reverse relationship between type of accounting and earnings management. In addition, the longer an auditing firm perform auditing program, the better the firm reports earnings management. Finally, as the size of firm increases, there is a better earnings management.

  5. A study on relationship between information technology facilities and performance of banking industry

    Directory of Open Access Journals (Sweden)

    M. Khodaei Valahzaghard

    2013-03-01

    Full Text Available The recent advances on information technology have made tremendous change on traditional banking. These days, people do not carry cash and prefer to use electronic devices such as point of sale system (POS or PIN entry devices (PinPad to do desirable transactions. These technologies could facilitate e-business and increase profitability in various industries including banking sector. The purpose of this paper is to investigate the effect of five new products namely ATM, POS Machines, PinPad machines, online and swift branches on banking performance indicators including return on assets (ROA, return on equities (ROE and operating investment return (OIR. We use the information of 19 private and governmental banks, which were active in Iran over the period of 2005-2010. The study uses linear regression analysis as well as VAR technique to study the effects of the independent variables on bank performance indicators. The results indicate that while there are some weak and positive relationships between three technology indicators including POS, PinPad and online businesses and ROA as well as ROE, there is relatively strong and positive relationship between these three independent variables and OIR. In addition, while the results of VAR analysis have shown that any reduction on PinPad will reduce OIR but this reduction will disappear after approximately four periods.

  6. Factors influencing customer retention, satisfaction and loyalty in the South African banking industry

    OpenAIRE

    Craucamp, Frederik Willem

    2012-01-01

    Customer retention, loyalty and satisfaction are extremely important elements in any company’s strategy, especially in the highly competitive South African banking industry. Understanding the various factors that could influence these constructs is therefore critical to organizational success. Several studies showed the impact of these measures on profitability and shareholder value, but there has been little effort to access the factors that might lead to higher levels of retention, loyal...

  7. Merger and Acquisition Activity as Driver of Spatial Clustering : The Spatial Evolution of the Dutch Banking Industry, 1850-1993

    NARCIS (Netherlands)

    Boschma, Ron; Hartog, Matté

    2014-01-01

    This article investigates the extent to which merger and acquisition (M&A) activity contributed to the spatial clustering of the Dutch banking industry in Amsterdam. This analysis is based on a unique database of all banks in the Netherlands that existed in the period 1850-1993. We found that spatia

  8. The impact of cloud-based information technology in improving organizational performance in the banking industry

    Directory of Open Access Journals (Sweden)

    Seyedeh Maryam Seyed Khamesi

    2016-09-01

    Full Text Available Cloud computing is one of the most important changes in information technology last years. The decision to choose a cloud-oriented architecture for an organization is a significant issue. In fact, cloud computing is a new paradigm and has not obtained its maturity yet. With growing cloud computing, although a lot of great promises are along with it, there are a host of concerns and problems. In this regard, the purpose of conducting this study isevaluating the effect of cloud-based information technology for improving organizational performance in the banking industry;alsoit covers the gap in previous researches that have been impractical.In this research, with understanding the banking business areas, and identifying key performance indicators financial, customer, business process, growth and learning perspectives, based on the balanced score card, effectiveness and value-adding of cloud- orientation approach have been assessed in each ofits perspectives. The study population is consisted of two Iranian banks and three payment services providers. Data collection has been conducted through desk and field study,and its tool had been questionnaire. SPSS statistical software and appropriate statistical tests such as mode and median analysis, ratio or binomial test, and Friedman test have been used in order to analyze the data. Based on the results obtained from the research, cloud-based information technology by affecting the banking business areas improves organizational performance of banks in financial, internal processes and customer perspectives and in general improves organizational performance of banks using the weighted average of perspectives.

  9. Investigation of the Impact of service brand dimensions on brand loyalty in Banking Industry

    Directory of Open Access Journals (Sweden)

    2016-03-01

    Full Text Available Nowadays, the importance of services provided by service organizations has increased to the extent that attracted lots of scientists in research centers and also organization managers. And loyalty is among the issues that today’s marketing pays a lot of attention. The aim of this study is to investigate the impact of service brand dimensions on brand loyalty by testing the generalizability of the modified SBV model in the service sector and in the banking industry. The population of this research was customers of Tejarat Bank in Tehran. The sample size is 385 people who were selected by available sampling. The purpose of the present study is functional and the data collection method is descriptive. The Model has been investigated by structural equation modeling and least partial squares approach. Results indicate that brand hearsay and brand evidence affect brand loyalty through brand satisfaction and attitudes toward brand in the banking industry, while brand hearsay has no effect on brand satisfaction.

  10. An application of data envelopment analysis for measuring the relative efficiency in banking industry

    Directory of Open Access Journals (Sweden)

    Mehdi Soltanifar

    2014-05-01

    Full Text Available Measuring the relative efficiency of banking industry has been a popular subject among both practitioners and academicians. Data envelopment analysis (DEA has been widely applied for different purposes. This paper presents an empirical investigation to measure the relative efficiency of various banks located in province of Semnan, Iran. The proposed study uses DEA method to rank all units and using Anderson and Peterson method (1993 [Andersen, P., & Petersen, N. C. (1993. A procedure for ranking efficient units in data envelopment analysis. Management Science, 39, 1261-1264], we provide some super efficiency for inefficient units. The study also provides reference numbers for inefficient units and gives some target values for all inefficient units.

  11. A data mining method for service marketing: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Reza Taghva

    2011-07-01

    Full Text Available One of the most important objectives of any modern organization is to gain competitive advantage of customers' data. In order to find hidden patterns or models from data, application of modern and steady methodologies is a necessity. Banking industry is not exceptional from this trend and they may often wish to make more profit by providing appropriate services to potential customers. Analyzing databases to manage customer behaviors seems difficult since databases are multi-dimensional, comprised of monthly account records and daily transactional records. Therefore, to analyze databases, we propose a methodology by considering human factors and building an integrated data utilization system. Moreover, self-organizing neural network map is used to identify groups of customers based on repayment behavior, recency, frequency, and monetary behavioral scoring predicators. We also perform more analysis using Apriori association rule to make marketing strategies for services used by banks.

  12. ARRANGEMENT OF LAW BY STATE FINANCIAL AUTHORITY IN REALIZING NATIONAL BANKING INDUSTRY THAT’S HEALTHY AND DYNAMIC

    Directory of Open Access Journals (Sweden)

    Muammar Arafat Yusmad

    2015-12-01

    Full Text Available he development of national banking nowadays are growing fast, competitive and integrative. One problem of Indonesian banking system related with practicing law arrangement which is a harmonization process toward legislations. The focus problems are: law arrangement in banking governance, the procedure of the law arrangement in achieving national bank industry which are healthy and dynamic. As intermediary institutions, bank should be in a healthy condition in order to gain public confidence and deserve to increase national economic growth. Based on the conceptual discussion, obtained arguments are: (1 The law arrangement of national banking should be done coodinately between Otoritas Jasa Keuangan (OJK and Bank Indonesia (BI; (2 Procedure of law arrangement according to the function and authority of OJK and BI which the urgent subjects are to avoid conflict of norm, overlapping policies and limited validity of norm of the law case which happen and will be happen; (3 banking law arrangement include bank arrangement and supervision system, strengthening internal condition of the bank, empowering and protecting consumer with complaints mechanism and follow-up which are clear and measurable.

  13. An Assessment of Benefits and Challenges of Information and Communication Technology to Office Managers in the Banking Industry

    Directory of Open Access Journals (Sweden)

    Omoniyi EO

    2015-12-01

    Full Text Available The objective of this paper is to assess the benefits and the challenges of information and communication technology (ICT to office managers in the banking industry, in order to ascertain the level of success of ICT to the industry, using questionnaire administered to bank staff and customers (n = 130 of Access Bank Plc and Skye Bank Plc in Bida, Niger State, Nigeria. The findings indicated that the office managers of the banks have high rate of exposure to modern information technology IT. The banks staff opined that IT has resulted to reduction in the cost of operations. About 50 percentile of the staff ranked the rate at which IT enhances the confidentiality of information as high. However, the study led to the inference that the staff of the two banks have very low rate for acquiring new skills through capacity development. About 60 percentile of the bank staff have very high tendency to respond to changes in innovation brought about by IT; while 75 percentile indicated that the use of IT by office managers leads to very low rate of fraudulent access to stored information. Also, 58 percentile of the bank customers rated the ease of access to their account as excellent due to the use of IT; and ranked IT excellent in terms of the time saved by customers in accessing their accounts. In addition, the customers rated the use of IT in boosting inter-bank relationship as very good. The challenges of IT to customer service as stated by the customers are: fraud by bank staff (0.5%, delay in inter-bank transaction (10%, poor communication network (40%, poor computer literacy (29.5%, and bridge in the relationship between staff and customers (20%. Therefore, workshop and enlightenment is needed for capacity development on ICT in order to maximally utilize the benefits.

  14. The Effect of Customer-Based Corporate Reputation on Customers’ Citizenship Behaviors in Banking Industry

    Directory of Open Access Journals (Sweden)

    Azam Shahsavari

    2013-11-01

    Full Text Available The purpose of this study is to investigate the impact of corporate reputation on three dimensions of customer citizenship behaviors including helping other customers, helping the company and positive word-of-mouth. The sample (n = 420 was bank customers in Iran. Structural equation models were used to test eleven hypotheses in the theoretical framework. Confirmatory factor analysis was used to refine the measurement scales and path analysis was used to test the model. The findings show that bank reputation through customer commitment and loyalty has a significant effect on three dimensions of customer citizenship behaviors; but it does not have a direct effect on those three dimensions. Examining the effect of every dimension of corporate reputation on citizenship behaviors, investigating other aspects of loyalty and commitment like behavioral loyalty and calculating commitment as mediator variables and doing this research in other service industry can be considered in future studies. Bank managers should supervise corporate reputation in the society and promote it. Commitment and loyalty building programs should also be regarded. As few studies have attempted to investigate the antecedents of customer outcome variables in terms of customer citizenship behaviors, this study is unique because it is the first study that investigates the effect of customer-based corporate reputation on three dimensions of customer citizenship behaviors.

  15. Brand Experience in Banking Industry: Direct and Indirect Relationship to Loyalty

    Directory of Open Access Journals (Sweden)

    Nuri WULANDARI

    2016-02-01

    Full Text Available In marketing, the meaning of value is rapidly shifting from service and relationships to experiences. It is believed that the traditional value proposition is no longer effective to compete in the market and to gain customer loyalty. By adapting the brand experience model, this study tries to validate the model in the banking industry, which is currently facing intense competition to retain customers. The brand experience construct is tested for its direct and indirect relationship toward loyalty. It is postulated that satisfaction and brand authenticity might be instrumental in mediating brand experience to loyalty. Research was conducted via in-depth interview and quantitative survey, targeting bank customers in Jakarta. The result confirmed that brand experience has direct and indirect contribution to loyalty in significant and positive manner. The research contributes in validating previous studies with a rare emphasis in banking sector. The result implies that brand experience is an important value to lead to customer loyalty in this area and subject to growing research on experience marketing.

  16. Innovative Factors That Affect Financial Inclusion In Banking Industry. (A Case Study Of Equity Bank Mombasa County, Kenya.

    Directory of Open Access Journals (Sweden)

    sylvia mbithe wambua

    2013-10-01

    Full Text Available The general objective of the study was to analyze the innovative factors that affect financial inclusion specifically focusing on perceived risk on innovated channels, trust and confidence on innovated delivery channels, user friendliness of innovated delivery channel and anti-money laundering requirement on the innovated delivery channels in Mombasa County. The study utilized the descriptive survey research design with quantitative and qualitative approaches. The target population for the study was 20,585 equity customers operating in 5 branches within Mombasa County. The sample size for the study was 2000 customers. To ensure validity of the data collected, effort was made to ensure that the items in the instruments adequately address all the objectives of the study. The questionnaire were pilot-tested on 20 customers who were not part of the actual sample and the data obtained was used to determine the reliability of the questionnaire, after checking the collected data for completeness, quantitative data was coded and analyzed using Statistical Package for Social Scientists (SPSS. Descriptive statistics and correlation analysis were applied in data analysis and findings were presented using frequency distributions, graphs and pie charts. The study found that innovated channels of distribution are generally underutilized, the banks that roll out new channels of distribution such as Agency banking, E-Banking and M-banking are still experiencing influx long queues inside their banking halls especially at enquiry and customer service counters despite these innovated channels.

  17. MCDM Technique to Evaluating Mobile Banking Adoption in the Togolese Banking Industry Based on the Perceived Value : Perceived Benefit and Perceived Sacrifice Factors

    Directory of Open Access Journals (Sweden)

    Gbongli Komlan

    2016-05-01

    Full Text Available Development of new technological innovations in networks, platforms, and financial institutions has empowered m-banking service providers to target their business strategies plan with confidence. Nevertheless, lots of service innovations have failed to generate revenue due to lagging adoption issues. Even though, several prior researches have focused on the factors that influence the acceptance of mbanking, there is limited empirical study which simultaneously take the success factors (perceived benefit and resistance factors (perceived sacrifice that contribute to the customers adoption of m- banking. Furthermore, most previous researches investigate on the overall aspects related to the adoption of mobile banking, have used multiple regression methods (structural equation modeling or technology acceptance technique or some MCDM tools. However, these studies still have some shortcoming due to lack of delivering the enough information about these factors and their prioritizing facets. Nowadays, only those organizations which major goal is to achieve customer’s expectations with maximum quality can be successful in the market environment. This research reviewed the literature, took the advice from the experts in the field of m-banking service, and constructed the structural hierarchical table of the factors that affecting perceived value on consumers' adoption of mobile banking. Via a pairwise comparisons scale, a questionnaire designated was distributed to some university students in Lomé-Togo and later used AHP (Analytic Hierarchy Process to weigh each criteria, sub-criteria and alternative in order to rank them according to their preference. The finding revealed that financial risk is the utmost factor impacting the m-banking adoption, follow by money saved element. Both factors explain how consumers are more concerned with the financial or monetary issues and far ahead Security & Privacy risk come to confirm that, Togolese Banking industry

  18. HUMAN RESOURCE MANAGEMENT AND EMPLOYEE JOB SATISFACTION: EVIDENCE FROM THE NIGERIAN BANKING INDUSTRY

    Directory of Open Access Journals (Sweden)

    Omotayo Adewale OSIBANJO

    2011-12-01

    Full Text Available The paper examines the effect of human resources management (factors on employees’ job satisfaction using data collected from two banks in the Nigerian banking industry. The study attempts to determine the effect of training and development on employee job satisfaction; to determine the influence of working conditions on employee job satisfaction; and to determine the impact of human resources factors on employee job satisfaction. The survey instrument used in the collection of data was the questionnaire. The population of the study covered the entire staff of Intercontinental and Ecobank and the sample size of 200 employees were selected, using the simple random sampling techniques. Correlation and Regression analysis was adopted and the data generated was in line with the objectives of the study. The hypotheses were tested, and valid result was achieved i.e. Human Resources Management has an effect on employee job satisfaction. This suggests that for organization to develop, it must invest more in the human capital. The business environment is dynamic and there is need for organizations to adopt strategies to motivate and equip their staff, so as to ensure their loyalty and be source of competitive advantage.

  19. Investigating e-mail overload in the South African banking industry

    Directory of Open Access Journals (Sweden)

    E. Burger

    2007-11-01

    Full Text Available The information workers of today have a wide range of information sources available to make valuable decisions, so much so that it can lead to information overload. The purpose of this research was to investigate the extent of information overload in the South African banking industry. The empirical part of this study was done at the Standard Bank of South Africa, where 115 questionnaires were distributed to three categories of employees. It was found that e-mail is one of the most used computer-mediated applications and is used more than the World-Wide Web, instant messaging or peer-to-peer file sharing. Of the respondents, 65% felt overwhelmed by the amount of e-mails they received as 25% received more than 60 e-mails per day. A third of the respondents dedicated three hours or more to e-mails per day. Respondents agreed that the implementation of policies is important to ensure compliance with legislation, protection of privacy rights and copyright, and the filtering of spam. In conclusion, the respondents indicated that formal training in e-mail management should make a significant difference in the usage of e-mail within the organization and reduce e-mail overload.

  20. A survey on important factors influencing brand equity: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Saeed Sehhat

    2013-01-01

    Full Text Available One of the most important issues in increasing customers' needs is to increase the quality of services through providing better quality services. Customer satisfaction is one of the primary requirements to meet people's needs and to have an efficient customer relationship management (CRM we need to detect the most important factors influencing efficiency and effectiveness in banking industry. In this paper, we present an empirical study to detect these factors in one of private banks in Iran. The proposed study of this paper tries to reach three objectives. We first detect important factors, which build customers' perception towards CRM, then we detect all influencing factors, which impact CRM, and finally, we evaluate the impact of CRM towards brand equity. The proposed study first designs a questionnaire and distributes it among 386 customers. Using structural equation modeling and certified factor analysis, we analyze the results. The results indicate that three factors including information, employee job behavior and suggestions and other factor have meaningful impact on customer brand equity. However, the impact of equipment on customer brand equity was not meaningful.

  1. Human Resource Management and Employee Job Satisfaction: Evidence from the Nigerian Banking Industry

    Directory of Open Access Journals (Sweden)

    Osibanjo, Omotayo Adewale

    2012-06-01

    Full Text Available The paper examines the effect of human resources management (factors on employees’ job satisfaction using data collected from two banks in the Nigerian banking industry. The study attempts to determine the effect of training and development on employee job satisfaction; to determine the influence of working conditions on employee job satisfaction and to determine the impact of human resources factors on employee job satisfaction. The survey instrument used in the collection of data was the questionnaire. The population of the study covered the entire staff of Intercontinental and Ecobank and the sample size of 200 employees were selected, using the simple random sampling techniques. Correlation and Regression analysis was adopted and the data generated was in line with the objectives of the study. The hypotheses were tested, and valid result was achieved i.e. Human Resources Management has an effect on employee job satisfaction. This suggests that for organization to develop, it must invest more in the human capital. The business environment is dynamic and there is need for organizations to adopt strategies to motivate and equip their staff, so as to ensure their loyalty and be source of competitive advantage.

  2. ORGANIZATIONAL CULTURE, ABSORPTIVE CAPACITY, INNOVATION PERFORMANCE AND COMPETITIVE ADVANTAGE: AN INTEGRATED ASSESSMENT IN INDONESIAN BANKING INDUSTRY

    Directory of Open Access Journals (Sweden)

    Ahmad Adriansyah

    2015-04-01

    Full Text Available The positive impact of absorptive capacity (ACAP on innovation and the positive impact of innovation on competitive advantage have been proven in different research contexts. However, current knowledge on organizational culture that affects ACAP, innovation and competitive advantage as a whole, remains unclear. This article proposes a model to examine how organizational culture (developmental culture and rational culture affects ACAP, innovation and competitive advantage, directly and indirectly as well. Surveyed data (in Indonesian Banking Industry shows that both of organizational culture have a direct impact on ACAP. Only developmental culture has a direct impact on innovation. There is no culture type affects competitive advantage directly. In this research, culture affects competitive advantage through ACAP and innovation.

  3. Development prospects of the banking industry in the new EU member countries and forthcoming member countries

    Directory of Open Access Journals (Sweden)

    Marko Košak

    2006-05-01

    Full Text Available Bank consolidation has substantially decreased the number of banks in European banking, which has had important implications for the banking sectors structure in all EU member countries. The consolidation processes have had a tremendous impact on the developments in banking sectors of new EU member countries, wheremajor structural changes have been initiated mostly by new entrant banks from the old EU member countries. The future banking development in new EU member countries will very likely follow some main patterns known from the old EU members. Rather speculative conjectures, which are based on a comparison with banking sectors in other EU member countries indicate, that the total-asset-to-GDPratio in new member countries should further improve in the future. The banking sector growth will be based mostly on the growth of the credit to non-banking sector, while banks are not expected anymore to use non-bank deposits as a predominant way of funding. Instead potentials for alternative funding possibilities should be activated. Although the non-bank financial intermediaries in new EU membersrepresent a serious competition to banks, their relative underdevelopment prevents them from impacting the developments in banking sectors as known from old EU member countries.

  4. GUARANTEEING THE TROUBLE-FREE OPERATION OF CAPACITOR BANKS IN POWER-SUPPLY SYSTEMS OF INDUSTRIAL ENTERPRISES

    Directory of Open Access Journals (Sweden)

    D.A. Gapon

    2016-03-01

    Full Text Available Purpose. The problem of resonance phenomena in power systems of industrial enterprises using capacitor banks for reactive power compensation was detected. Circuit of the capacitor banks tier to downshift main substation tires is present. But there is no common algorithm to calculate and avoid such trouble. The main goal of this article is to introduce some basics for power supply systems with possible resonant circuits engineering. Methodology. At the first step the data on the change of the current in the chemical company network when changing capacitor banks value are received. For these purposes the oscilloscope function of digital protection relay was used. Current data samples were analyzed by spectrum detection software. Most significant levels of the 3rd and 5th harmonics were achieved. Comparison of harmonic distortion levels with and without capacitor bank is given. Results. Achieved data allow making conclusion about overloading reasons of capacitor banks while higher harmonics currents presence. A voltage and current harmonious composition measuring in the absence of power quality analyzers using digital protection relay terminals or emergencies registers are proposed. The necessity of power quality monitoring near capacitor banks connections to avoid resonance phenomena (current and voltage resonance in industrial power supply systems is proven. The control algorithm of capacitor banks to provide electromagnetic compatibility, while various modes of nonlinear load operation is given. Originality. Using of digital protection relay oscilloscoping for current resonant detection can allow to significally reduce time and cost of solution. Replacement parallel circuit comprising a branch and one active-inductive load to another branch network in the presence of higher harmonics source are proposed. Practical value. A sequence for measuring the levels of harmonic components at the connections of capacitor banks in the absence of specialized

  5. The Impact of New Technology on Skills and Skill Formation in the Banking and Textile Industries. NCEE Brief Number 1.

    Science.gov (United States)

    Bailey, Thomas; Noyelle, Thierry

    The subject of this report is the impact of microelectronic technology on the process of skill formation with particular reference to two industries: banking and textiles. A recent research effort sought to identify and understand how changes in the structure and nature of skills were affecting the process of skill formation and the balance of…

  6. Studying the impact of industry type validation criteria to Legal customers of Bank Saderat Iran using data envelopment analysis

    Directory of Open Access Journals (Sweden)

    Alireza Rajabipour Meybodi

    2013-08-01

    Full Text Available One of the problems of today's banking system is overdue loans. The basic strategy for solving this problem is creating a credit rating system of customers. Financial ratios extracted from financial statements of companies have long been considered as one of the useful tools used for evaluating companies by individuals to predict future conditions. Therefore, in this study, ranking of companies in each industry has been discussed using Data Envelopment Analysis (DEA and a number of inputs and outputs such as financial ratios and other important characteristics from the viewpoint of professors and credit experts. Then, ratings of the inputs and outputs (credit criteria have been identified to distinguish and compare the types of industries using sensitivity analysis. Finally, the values of inputs and outputs have been studied for different industries. The research approach can be used by banks in credit risk management for customers.

  7. Characterization of Early and Late Adopters of ATM Card in Indian Banking Industry

    Directory of Open Access Journals (Sweden)

    Kamalpreet Kaur

    2012-10-01

    Full Text Available The present study deals with affect of adoption pattern of the ATMs by banks on its characteristics. With the exploration of various characteristics of the banks like Size, Profi tability, Efficiency, Cost of Operations, Asset quality and Credit risk, Financing Pattern, Diversifi cation and Age etc.; the study has tried to differentiate between the early and late adopter category of the banks regarding ATM cards. The banks have been categorized into early and late adopters on the basis of their adoption period. For this purpose, 50 scheduled commercial banks consisting of 27 Public Sector Banks and 23 Private Sector Banks have been taken as sample to investigate the various aspects of and early adopter banks in comparison to late adopter banks. The time period of the study is 20 years i.e. from 1991 to 2010. It can be concluded that the initiators and fi rst movers take advantage over the late adopters and laggards. They have found to perform better in terms of various parameters. Overall, the early adopter banks are larger in size, more diversifi ed, having lesser branches, more market share and wide ATM network as compared to late adopter ones. Thus, the empirical results evidently reveal that the both the groups have their own different characteristics.

  8. BENCHMARKING INCIDENCE OF DISTRESS IN THE NIGERIAN BANKING INDUSTRY ON ALTMAN SCALE

    Directory of Open Access Journals (Sweden)

    Oforegbunam Thaddeus Ebiringa

    2011-11-01

    Full Text Available This paper applied the Altman’s model in the prediction of distress in the Nigerian bankingindustry. Three banks (Union bank, Bank PHB and Intercontinental Bank declared distress duringthe period of the study were used as case studies. Four years financial statistics prior to distress wasused to compute the most discriminating financial ratios that were substituted into the Altman’smodel. The result of the analysis shows that Altman’s model significantly predicted the distress stateof each of the bank at 0.001level. The implication being that Altman’s model can be validly appliedin the prediction of the health state of banks in Nigeria. The paper recommends for further researchon the domestication and adaptation of the model in order to improve its predictive ability.

  9. Evaluating the Effect of Lead Time on Quality Service Delivery in the Banking Industry in Kumasi Metropolis of Ghana

    Directory of Open Access Journals (Sweden)

    Stephen Okyere

    2015-07-01

    Full Text Available Customers are becoming more attracted to quality service delivery and are being impatience and unsatisfied when they had to be delayed or wait for longer times before they are served.  Hence, Quality Service Delivery is of utmost importance to every service organisation especially financial industry. Most financial institutions focus attention on product innovation at the expense of lead time management which is a major factor in ensuring service quality and customer satisfaction. Consequently, this research looks at evaluating the effect of lead time on quality service delivery in the Banking Industry in Kumasi Metropolis of Ghana. The study relied on Primary data collected through questionnaires, observation and interview instruments, administered to staff and customers of some selected branches of a commercial bank in the study area. The data was analysed qualitatively. The researchers realised that despite the immense importance of lead time on quality service delivery, little attention is given to the concept. It was revealed that, customers were dissatisfied with the commercial bank’s services as a result of the unnecessary delays and queuing at the bank premises. The long lead time was found to be attributable to plant/system failure, skill gap on the part of employees, ATM underutilization and frequent breakdowns, among others. This has consequently resulted into long lead time, waiting, queuing and unnecessary delay at the banking hall. It is recommended that Tellers should be provided with electronic card readers for verification of customer’s data and processing to be faster.

  10. A study on effective factors influencing on equity risk in banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2014-10-01

    Full Text Available Measuring the effects of various factors influencing on risk of return in banking system plays essential role on making managerial decisions. This paper investigates the effects of seven factors including equities, leverage, dividend, size, growth domestic products, bank concentration and market return on risk of return in selected banks listed on Tehran Stock Exchange. The study selects the necessary data through financial statements announced on exchange as well as macro-economic figures reported by central bank of Iran to examine the hypotheses of the survey. Using some regression technique, the study has determined that only bank size and growth domestic product influence significantly on risk of return on Tehran Stock Exchange.

  11. The validation of a workplace incivility scale within the South African banking industry

    Directory of Open Access Journals (Sweden)

    Olivia Smidt

    2016-04-01

    Full Text Available Orientation: Workplace incivility holds consequences for both individuals and organisations. Managers are becoming increasingly aware of this phenomenon. Currently, there is no workplace incivility scale validated for use within the South African context. Research purpose: To investigate the reliability and validity of the adapted workplace incivility scale by Leiter and colleagues for use within South Africa. Motivation for the study: As it is currently difficult to measure workplace incivility within the South African context because of the lack of a valid and reliable scale, it is necessary to validate such a scale.Research design, approach and method: A cross-sectional research approach was used for the study. Convenience sampling (N = 345 was used within the South African banking industry. Specifically, the factor structure, convergent validity, discriminant validity and predictive validity were investigated in order to establish the overall validity of the scale. Main findings: The results confirmed that the scale showed a three-factor structure as bestfitting with acceptable reliability coefficients. Furthermore, discriminant validity could be shown between workplace incivility and workplace bullying, that is, supporting that these two constructs are not the same phenomenon. In terms of relationships, colleague incivility did not significantly predict any of the outcome variables and instigated incivility only being a negative predictor of job satisfaction and a borderline statistically significant negative predictor of work engagement. However, supervisor incivility predicted all the outcomes negatively. Practical/Managerial implications: Based on the results, workplace incivility should be addressed because of the harmful effects it can have, not only on employees but also on organisations. It is therefore necessary for managers to create awareness of workplace incivility in order to ensure that it does not integrate within the

  12. Market Rower; Banking and Financial Mediation: an Approach from the Industrial Organization

    Directory of Open Access Journals (Sweden)

    Guillermo Jopen Sánchez

    2013-06-01

    Full Text Available This article provides an exploratory analysis of the process for determining intermediation margins in the Peruvian banking system. In the period between 2001 and 2010, this process was influenced primarily by two occurrences: the international financial crises towards the end of the 1990s, and the application of the Financial System Consolidation Program (Programa de Consolidación del Sistema Financiero in Peru. The analysis delivers some evidence that in the case of Peruvian banking, market power and, specifically, the existence of market power-related inequalities between banks may be relevant factors in the process of determining financial intermediation margins.

  13. 中国银行业注资辨析%Analysis of the Capital Injection to Banking Industry in China

    Institute of Scientific and Technical Information of China (English)

    邓鑫

    2009-01-01

    当前这场国际金融危机下,各国纷纷实施注资行为救助问题银行.而我国政府曾多次向国有银行等金融机构实施过各种形式的注资,中国银行业的注资问题也一直受到了学术界与实务部门的普遍关注.本文旨在从中西方对比的视角,探讨中国银行业注资的背景、方式、期限选择的特殊性所在.%Facing to the present global financial crisis, many western governments rescue the problem banks by great funding, which turns to be a hot topic for economic discussion. In fact, The Chinese government has repeatedly implemented various forms of capital injection to the state-owned banks and other financial institutions. Chinese banking industry capital injection has also been received a wide range of concern. With the perspective of the Sino-West comparison, this paper focuses on the specificity of Chinese banking capital injection, including its background, forms and period selection.

  14. A study on the effects of human resource management on making change within organization: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Mahdi Eyvazi

    2013-10-01

    Full Text Available This paper presents a study to find the effects of human resource management on empowering employees in banking industry. The proposed study designs a questionnaire and distributes it among 243 randomly selected employees of the first Iranian private banks called Saman. There are four hypotheses in this survey. The first hypothesis investigates whether employment type influences customer satisfaction or not. The second hypothesis of the survey studies whether training as well as empowering employees could increase organizational commitment or not. The third hypothesis of the survey investigates whether there is a positive relationship between creating motivation as well as job security and profitability. Finally, the last hypothesis of this survey tries to find out whether there is a positive and meaningful relationship between leadership style and supplier satisfaction. The implementation of some statistical tests confirms all four hypotheses of the survey.

  15. An empirical study for measuring the success index of banking industry

    Directory of Open Access Journals (Sweden)

    Mohsen Mardani

    2012-08-01

    Full Text Available Measuring organization performance plays an important role for developing better strategic plans. In today's competitive environment, organizations attempt for the product quality or offering the service, delivery, reliability capability and the customer satisfaction. These properties are not measurable only by traditional financial criteria and we need a method, which could consider non-financial factors as well. The present study of this paper proposed a hybrid of balanced score card (BSC and data envelopment analysis (DEA method for an empirical study of banking sector. The study proposes a model for assessing the Tose`eTa`avon bank performance, which is an example of governmental credit and financial services institutes. The study determines different important factors associated with each four components of BSC and uses analytical hierarchy process to rank the measures. In each part of BSC implementation, we use DEA for ranking different units of bank and efficient and inefficient units are determined.

  16. Board Size and Board Independence: A Quantitative Study on Banking Industry in Pakistan

    Directory of Open Access Journals (Sweden)

    Kashif Rashid

    2014-12-01

    Full Text Available This paper aims to investigate the relationship of board independence and board size with productivity and efficiency of the listed banks on the Karachi Stock Exchange, Pakistan. There is a lack of consensus regarding impact of corporate governance practices in correspondence to number of board members and board independence in banking sector. The derived results of the study show that there is a positive relationship between board independence and bank profitability and efficiency. Independent directors play a crucial role in providing genuine advice during executive decision making process which is an important source for improving overall corporate governance. Moreover, results regarding the role of control variables suggest a positive relationship of the total assets and deposits of the firm with the firm’s performance supporting stewardship theory in the market.

  17. A Service Architecture Solution for Mobile Enterprise Resources: A Case Study in the Banking Industry

    Science.gov (United States)

    Garcia-Gonzalez, Juan P.; Gacitua-Decar, Geronica; Pahl, Claus

    Providing mobility to participants of business processes is an increasing trend in the banking sector. Independence of a physical place to interact with clients, while been able to use the information managed in the banking applications is one, of the benefits of mobile business processes. Challenges arising from this approach include to deal with a scenario of occasionally connected communication; security issues regarding the exposition of internal information on devices-that could be lost-; and restrictions on the capacity of mobile devices. This paper presents our experience in implementing a service-based architecture solution to extend centralised resources from a financial institution to a mobile platform.

  18. Understanding Market Concentration: Internet-Based Applications from the Banking Industry

    Science.gov (United States)

    Hays, Fred H.; Ward, Sidne Gail

    2011-01-01

    Market structure is an essential topic in economics and finance courses, including bank management as well as many other business school courses, for example marketing, human resources and strategic management. Instructors explain the virtues of perfect competition and the evils of monopoly along with alternative market models. Often conversations…

  19. The Relationship between Organizational Culture and Performance: Merger in the Nigerian Banking Industry

    Science.gov (United States)

    Okoro, Henrietta Mbamalu

    2010-01-01

    Recent merger waves in most organizations fail to increase organizational performance and sustain competitive advantage. Several U.S. organizational mergers failed to sustain market competition and retain employees. Most consolidated and merged banks in Nigeria are in distress and have failed to increase organizational performance. Currently,…

  20. Making things happen: the role of communication in strategic management A case study on banking industry.

    OpenAIRE

    2012-01-01

    Financial institutions are the protagonists of the ongoing economic crisis. Recent financial scandals and dubious management have emerged while an intense debate on the responsibility of business has risen. In academia, the stakeholder management school has earned acceptance; and one question arises: is orderly, coherent management possible when executives embrace the demands of customers and other stakeholders? A case study from the banking sector would be of interest, in order to ascertain ...

  1. DETERMINANTS OF BRAND EQUITY OF SERVICES: A Verification Approach in the Banking Industry in Malaysia

    OpenAIRE

    Norjaya Mohd. Yasin; Norzalita Abd. Aziz

    2010-01-01

    This study attempts to verify the determinants of brand equity of services based on consumers’ perception of a banking service. The conceptual framework of this study is based on customer-based brand equity called the Brand Resonance model which comprises of six building blocks namely brand salience, brand performance, brand imagery, brand judgment, brand feelings and brand resonance. Factor analyses were conducted on all items measuring the six constructs and the results produced only fiv...

  2. Corporate Governance in Banking Industry: Gender Diversity in Boardrooms : A quantitative study of Swedish - banks during the period 2001-2010

    OpenAIRE

    Hassan, Ahmed; Lukong, Paul Berinyuy

    2012-01-01

    Banking as a financial institution and a business has gone beyond providing banking servicesand making profits for the proprietors to assume macro positions like involving in activitiesthat propel an entire economy. This has earned the interest of national governments and thesociety as well as the international community as a whole inciting a need for supervision inorder to ensure sustainability.Banks as corporate organizations with the above stipulated stake holders and management arein a co...

  3. CORPORATE GOVERNANCE UNDER THE PERSPECTIVE OF ISOMORPHISM: A BMFBOVESPA BANKING INDUSTRY APPROACH

    Directory of Open Access Journals (Sweden)

    André Aroldo Freitas de Moura

    2014-12-01

    Full Text Available The study aims to analyze the disclosure of corporate governance practices by the boards of the companies listed in the banking sector of BM&FBovespa, according to the recommendations of the Code of IBGC. Additionally, it was investigated the isomorphic posture in relation to companies that also have shares traded in the New York Stock Exchange. This research was conducted in the study of all 28 financial institutions listed in BM&FBovespa. This research is descriptive, which adopts the documental analysis and uses the technique of content analysis for data treatment. As for the approach or the nature of the study, the research makes use of qualitative and quantitative methods. It was analyzed 41 corporate governance practices recommended by IBGC. It was established a level of disclosure practices adopted for each company, using the following criteria: were assigned the value 1 (one for each disclosed practice and assigned 0 (zero for each practice which was not disclosed or not adopted by the company. The study collected 1148 observations of firms through the recommendations of IBGC. To analyze the results, the corporate governance practices were analyzed in general and segment listing. It was found that the companies have, mostly, low level of disclosure. These companies still have a long way to go to increase transparency and strengthen the capital market to interested users. The isomorphic posture has not been confirmed in this study by the companies of banking sector.

  4. ORGANIZATIONAL CHANGE AND HUMAN RESOURCE MANAGEMENT INTERVENTIONS: AN INVESTIGATION OF THE NIGERIAN BANKING INDUSTRY

    Directory of Open Access Journals (Sweden)

    Adenike Anthonia Adeniji

    2013-11-01

    Full Text Available The objective of this paper was to study the relationship between human resource management interventionist strategies and organizational change; and flexibility that can make employees more adaptive and receptive to changes. Out of one hundred and sixty copies of questionnaire administered, one hundred and twenty three (123 were collected and analyzed. Structural Equation Modelling (SEM, a hypothesized relationship was tested using Amos 18 that allows test of complex relationships between variables. Our model shows that relationship exists among human resource management interventionist strategies and was consistent with organizational change in the studied industry. However, the study can be extended to other industries, for example manufacturing industry as well as industry within the merger and acquisition of companies.

  5. Systemic banking crises

    OpenAIRE

    O. Emre Ergungor; James B. Thomson

    2005-01-01

    Systemic banking crises can have devastating effects on the economies of developing or industrialized countries. This Policy Discussion Paper reviews the factors that weaken banking systems and make them more susceptible to crises.

  6. Banking Around the World

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Chinese banks expands its "going out" strategy but faces challenges in establishing a presence in foreign markets The world’s biggest lender by market value, the Industrial and Commercial Bank of China (ICBC), and the Hong Kong-based Bank of East Asia signed an agreement in which ICBC would pay $140.23 million to buy an 80-percent inter- est in Bank of East Asia USA, the Hong Kong bank said on January 23.

  7. Analyzing effects of service encounter quality on customer satisfaction in banking industry

    Directory of Open Access Journals (Sweden)

    Hossein Gazor

    2012-04-01

    Full Text Available Service quality represents a modern approach for quality in enterprises and organizations and serves the development of a truly customer-focused management and culture. Measuring service quality offers an immediate, meaningful and objective feedback about clients' preferences and expectations. In this paper, we study the relationship between customer perceptions from service encounter quality and loyalty of customer to organization and employees. The proposed study is implemented for banking sector in Iran using SERVQUAL factors and considers various factors influencing the quality of service. The results of the survey indicate that service quality systems, customer satisfaction are the most desirable factors based on the feedback we received from the customers. In addition, response to customers and loyalty to employees, service encounter quality, service and loyalty to organization, arrangements are in the next levels, respectively.

  8. Investigating important factors influencing customer relationship management: A case study from banking industry

    Directory of Open Access Journals (Sweden)

    Ali Sedigh

    2013-12-01

    Full Text Available This paper performs an investigation on measuring the effect of different factors on customer relationship management (CRM for different branches of an Iranian banks located in various regions of city of Tehran, Iran. The proposed study selects a sample of 275 managers and using structural equation modeling examines the effects of five variables including CRM knowledge, employment’s information technology skills, specialty, strategic use, CRM performance on the performance of CRM. Cronbach alpha has been calculated for the questionnaire as 0.881, which is well above the minimum acceptable level. The survey has concluded that there were meaningful relationships between all four mentioned variables and performance of CRM. In other words, knowledge and information technology influence on improving employments’ skills, which increase strategic use of CRM components and this would improve CRM performance.

  9. A survey on relationship between intellectual capital and organizational innovation: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Gholam Panahandeh

    2014-04-01

    Full Text Available This paper presents an empirical investigation to study the relationship between intellectual capital and organizational innovation in an Iranian bank named Ghavamin located in city of Zanjan, Iran. The proposed study uses a questionnaire introduced by Bontis [Bontis, N. (1999. Managing organisational knowledge by diagnosing intellectual capital: framing and advancing the state of the field. International Journal of technology management, 18(5, 433-462.] for measuring the effect of intellectual capital and designs a questionnaire to measure organizational innovation. The questionnaires are distributed among 40 randomly selected managers and regular employees and using Pearson correlation as well as stepwise regression model, the study has detected positive and meaningful relationship between intellectual capital and organizational innovation.

  10. The impact of culture and strategic orientation on service innovation capability: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Akbar Hassanpour

    2015-12-01

    Full Text Available This paper presents a study to measure the effects of culture and strategic orientation on service innovation capabilities on selected banks in province of Alborz, Iran. The survey uses a questionnaire consists of 40 questions where 5 questions are associated with service innovation, 11 questions are related to strategic orientation and 24 questions measures organizational culture. Cronbach alpha for service innovation capabilities, strategic orientation and organizational culture were 0.73, 0.84 and 0.91, respectively. Using structural equation modeling as well as regression technique, the study has determined that organizational culture influences positively on structural orientation (β = 0.6, t-value = 13.56, organizational culture influences positively on service innovation capability (β = 0.43, t-value = 8.73 and finally structural orientation influences positively on service innovation capability (β = 0.35, t-value = 7.22.

  11. Framework to Integrate Business Intelligence and Knowledge Management in Banking Industry

    CERN Document Server

    Rao, G Koteswara

    2011-01-01

    In this digital age organizations depend upon the technologies to provide customer-centric solutions by understanding well about their customers' behaviour and continuously improving business process of the organization. Business intelligence (BI) applications will play a vital role at this stage by discovering the knowledge hidden in internal as well as external sources. On the other hand, Knowledge Management (KM) will enhance the organisations performance by providing collaborative tools to learn, create and share the knowledge among the employees. The main intention of the BI is to enhance the employees' knowledge with information that allows them to make decisions to achieve its organisational strategies. However only twenty percent of data exist in structured form, majority of banks knowledge is in unstructured or minds of its employees. Organizations are needed to integrate KM with Knowledge which is discovered from data and information. The purpose of this paper is to discuss the need of business insi...

  12. Kewenangan Bank Indonesia Dalam Likuiditas Bank Umum

    OpenAIRE

    Silvana R

    2008-01-01

    Perbankan merupakan pokok dari sistem keuangan setiap negara, karena perbankan merupakan salah satu motor penggerak pembangunan seluruh bangsa. Krisis perbankan berdampak pada turunnya kepercayaan masyarakat terhadap industri perbankan. Berbagai masalah di sektor perbankan yang tidak terdeteksi secara dini akan mengakibatkan runtuhnya kepercayaan masyarakat terhadap industri perbankan, Skripsi mi mengemukakan bagaimana penilaian kesehatan bank umum yang dilakukan oleh Bank Indonesia, bagai...

  13. An investigation on how TQM influences employee performance: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Saeed Hakami Nasab

    2014-01-01

    Full Text Available This paper presents an empirical investigation to study the relationship between employee performance and TQM. The proposed study of this paper designs two questionnaires for TQM and performance measurement and distributes them among some employees who worked for one of Iranian banks in city of Semnan, Iran. The result of Kolmogorov–Smirnov test confirms that all data are normally distributed and the study uses Pearson correlation to investigate the relationship between various components of the survey. The result of the implementation of Pearson correlation ratio indicates that there was a positive and meaningful relationship between employee performance and TQM components (r=4.6223, P-value=0.000. In addition, there are some positive and meaningful relationships between TQM components and employee performance. The highest correlation belongs to relationship between employee performance and feedback (r=4.6223, P-value=0.000 followed by training and development (r = 0.441, P-value = 0.000 and communication (r = 4.2861, P-value = 0.000.

  14. The effect of occupational stress, psychological stress and burnout on employee performance: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Shahram Hashemnia

    2014-09-01

    Full Text Available This paper presents an empirical investigation on the effects of occupational stress, psychological stress as well as job burnout on women’s employee performance in city of Karaj, Iran. The proposed study designs a questionnaire in Likert scale and distributes it among all female employees who worked for Bank Maskan in this city. In our survey, employee performance consists of three parts of interpersonal performance, job performance as well as organizational performance. Cronbach alpha has been used to verify the overall questionnaire, all components were within acceptable levels, and the implementation of Kolmogorov-Smirnov test has indicated that the data were not normally distributed. Using Spearman correlation ratio as well as regression techniques, the study has determined that while psychological stress influenced significantly on all three components of employee performance including interpersonal performance, job performance as well as organizational performance, the effect on job performance was greater than the other components. In addition, occupational stress only influences on organizational as well as interpersonal performance. Finally, employee burnout has no impact on any components of employee performance.

  15. DETERMINANTS OF BRAND EQUITY OF SERVICES: A Verification Approach in the Banking Industry in Malaysia

    Directory of Open Access Journals (Sweden)

    Norjaya Mohd. Yasin

    2010-12-01

    Full Text Available This study attempts to verify the determinants of brand equity of services based on consumers’ perception of a banking service. The conceptual framework of this study is based on customer-based brand equity called the Brand Resonance model which comprises of six building blocks namely brand salience, brand performance, brand imagery, brand judgment, brand feelings and brand resonance. Factor analyses were conducted on all items measuring the six constructs and the results produced only five factors i.e brand salience, brand performance, brand judgments, brand feelings and brand resonance as the determinants of brand equity of services. Reliability test on all these factors produced satisfactory reliability coefficients. Correlation analysis was also conducted on the study variables and the results indicate that there are strong, positive and significant relationships between brand performance and brand judgment, and between brand performance and brand feelings. Strong, positive and significant relationships are also found between brand performance and brand resonance, between brand judgment and brand resonance as well as between brand feelings and brand resonance.

  16. Removing bank subsidies leads inexorably to full reserve banking

    OpenAIRE

    Musgrave, Ralph S.

    2013-01-01

    The recent banking crisis laid bare a long standing and inherent defect in fractional reserve banking: the fact that fractional reserve is unlikely to work for long without taxpayer backing. Changing bank regulations in such a way that banks are never a burden on taxpayers leads inexorably to full reserve banking. Full reserve involves splitting the banking industry into two halves. A safe half where depositors earn no interest, but they do have instant access to their money, and a second...

  17. 75 FR 65331 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2010-10-22

    ... State Bank Waukesha Wisconsin. Marathon Savings Bank Wausau Wisconsin. John O. Melby & Co. Bank... Galveston Texas. Gruver State Bank Gruver Texas. Hull State Bank Hull Texas. Industry State Bank...

  18. 银行贷款对湛江蔗糖产业发展的影响%Effect of bank loans to sucrose industry development of Zhanjiang city

    Institute of Scientific and Technical Information of China (English)

    黄颖

    2015-01-01

    依据2004-2013年广东湛江地区银行贷款、蔗糖产量、甘蔗种植面积和当年糖价等数据,建立了回归模型。结果表明,在短期内,银行贷款对蔗糖产量具有正向变化:银行贷款额越多,蔗糖产量可能越高;与甘蔗种植面积之间存在反向变化:银行贷款越多,甘蔗种植面积反而减少;银行贷款需求量对糖价的短期影响是正面的,当年银行贷款越多,糖价可能越高。%A regression model was established based on the data of bank loans, sucrose output, sugar-cane area and current sucrose price from 2004 to 2013 in Zhanjiang city, Guangdong province.The re-sults showed that in a short term, sucrose industry output of Zhanjiang city was positively effected by bank loan, the higher sucrose output was needed, the more the bank loan was needed.But sugarcane area was negatively effected by the bank loan, the more sugarcane acreage was decreased, the more bank loan was found released.In a short term, sucrose price was positively effected by the demand of bank loan, the higher sucrose price was found, the more bank loan was released.

  19. 手机银行产业发展的演化博弈分析%Analysis of Evolutionary Game Based on Mobile Phone Banking Industry Development

    Institute of Scientific and Technical Information of China (English)

    刘莉; 张晓琴; 庞力

    2015-01-01

    随着移动通信网络技术的发展,手机银行在全网互联和高速数据交换的基础上,利用移动通信网络及终端,可以使人们随时随地处理多种金融业务。手机银行产业的发展需要银行和移动运营商的紧密合作,但二者又存在利益博弈。通过建立演化博弈模型,对手机银行产业的演进情况进行了分析。研究结果表明,银行和运营商之间的演化博弈存在两个演化稳定策略:(H,H),(L,L),只有(H,H)是期望的系统演化方向。通过对模型参数实施影响,引导产业朝期望的演化方向发展,并为有关政策提供理论依据。%With the development of mobile communication network technology,mobile phone banks exchange based on network interconnection and high speed data,using the mobile communication network and terminal,so that people can at any time,any place,process account inquiries,payment and settlement,investment banking and other financial serv-ices.The development of mobile phone banking industry requires close collaboration between the bank and mobile opera-tors,but also there are the interests of the game.By establishing an evolutionary game model,the evolution of mobile phone banking industries is analyzed.Results show that,there are two evolutionary stable strategy evolution games be-tween banks and operators:(H,H),(L,L),only (H,H)is the evolution direction of the desired system.Through the implementation of impact on the model parameters,the evolution direction can guide the industry toward the expected de-velopment,and provide theoretical basis for the relevant policies.The need for cooperation in emerging industries devel-opment enterprises in traditional industries,and provides a new research idea.

  20. PENGARUH PRAKTIK KERJA INDUSTRI (PRAKERIN, PRESTASI AKADEMIK MATA DIKLAT PRODUKTIF AKUNTANSI, DAN PEMANFAATAN BANK MINI TERHADAP KESIAPAN KERJA SISWA SMK KOMPETENSI KEAHLIAN AKUNTANSI

    Directory of Open Access Journals (Sweden)

    Heny Triwahyuni

    2016-02-01

    Full Text Available Tujuan dari penelitian ini adalah untuk mengetahui ada tidaknya pengaruh praktik kerja industri (prakerin, prestasi akademik mata diklat produktif akuntansi, dan pemanfaatan bank mini terhadap kesiapan kerja siswa kompetensi keahlian akuntansi kelas XII SMK Yos Sudarso Rembang. Populasi penelitian ini adalah siswa kelas XII Kompetensi Keahlian Akuntansi SMK Yos Sudarso Rembang Tahun Ajaran 2015/2016. Dalam penelitian ini seluruh populasi sebanyak 40 siswa digunakan sebagai sampel penelitian. Metode yang digunakan dalam pengambilan data adalah angket dan dokumentasi. Data variabel dianalisis dengan statistik deskriptif dan analisis regresi berganda. Dari hasil analisis deskriptif diperoleh bahwa kesiapan kerja siswa dalam kategori cukup siap, praktik kerja industri (prakerin dalam kategori cukup baik, prestasi akademik mata diklat akuntansi dalam kategori baik, dan pemanfaatan bank mini dalam kategori baik. Hasil penelitian ini secara statistik menunjukkan bahwa terdapat pengaruh praktik kerja industri (prakerin, prestasi akademik mata diklat produktif akuntansi, dan pemanfaatan bank mini terhadap kesiapan kerja siswa SMK Yos Sudarso Rembang sebesar 72,5%. Pada praktik kerja industri (prakerin berpengaruh terhadap kesiapan kerja sebesar 55,8%. Prestasi akademik mata diklat akuntansi berpengaruh terhadap kesiapan kerja sebesar 15,3%. Sedangkan pemanfaatan bank mini terhadap kesiapan kerja sebesar 20%. Disimpulkan bahwa praktik kerja industri (prakerin, prestasi akademik mata diklat produktif akuntansi, dan pemanfaatan bank mini berpengaruh simultan maupun parsial terhadap kesiapan kerja siswa SMK Yos Sudarso Rembang. Saran yang diberikan agar guru memaksimalkan kegiatan pra prakerin agar siswa mempunyai bekal yang cukup saat prakerin. Siswa harus meningkatkan penguasaan materi terutama mata diklat produktif akuntansi. Selain itu, siswa juga harus meningkatkan keterampilan dalam mengelola bank mini. The purpose of this study is to know whether

  1. A study on relationship between CAMELS Index's and Risk taking: A case study of Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2013-04-01

    Full Text Available Among the activists of the money market, banks as the most important financial institutions undertake an important role in optimal appropriation of financial short-term resources. Furthermore, they allocate the short-term surplus funds to enterprises, which have a short-term need. Holding a main part of the funds in economy circulation, banks have a critical role in adjustment of economic relations. Banks are facing different types of risks in their daily operations. In the banking system, the CAMELS indictors are used to evaluate and rate of the performance of banks. The CAMELS rating model is one of the most effective systems of financial assessment in banks. Therefore, in this research, the effects of CAMELS indicators of banks on risk taking of Iranian banks are studied. The statistical population of the national banking system includes all governmental and private banks. The whole statistical population is studied as a research sample during 2006-2011. Taking into consideration the fact that the research data or section-bounded and time-bounded, a combinational regression analysis has been used. The results of the combinational regression analysis have supported the presence of a reverse and meaningful effect of the indicators of assets quality and sensitivity of market risk on risk taking in national banks. In addition, the results have supported the direct and meaningful effects of capital sufficiency and quality of profit-making on risk taking, however, the effects of the indicators of management quality and liquidity quality on risk taking have been rejected.

  2. The Analysis on the Development of the Banking Industry in Underdeveloped Regions%欠发达地区银行业发展问题分析

    Institute of Scientific and Technical Information of China (English)

    依布拉音·巴斯提

    2015-01-01

    当前欠发达地区银行业服务功能弱化,发展水平和金融服务质量的非均衡性和差异性,加大了欠发达地区经济发展的难度,本文以经济欠发达的新疆南疆地区为例,分析欠发达地区银行业发展失衡问题现状及其影响因素,并提出促进欠发达地区银行业均衡发展,强化金融支持欠发达地区经济发展的相关政策建议。%At present, the service function of the banking industry has been weakened in the less developed regions, and unbalanced and different development level and financial service quality have increased the difficulty in the economic development of the underde-veloped regions. Taking southern Xinjiang which is the underdeveloped region in the economy as an example, the paper analyzes the present situation of the development imbalances of the banking industry of the underdeveloped regions and the influencing factors, and puts forward relevant suggestions on promoting the balanced development of the banking industry in less developed regions and strengthening the financial support for the economic development of the underdeveloped regions.

  3. Consumer-Based Virtual Brand Personality (CBVBP), Customer Satisfaction and Brand Loyalty in the Online Banking Industry

    OpenAIRE

    Ong Khian Sin; Bang Ngyuen; Syed Alwi, SF

    2016-01-01

    Purpose The present research develops and tests a consumer-based virtual brand personality (CBVBP) concept by examining its sub-dimensions in the context of online banking, thus extending existing brand personality research. In addition, it examines the relationship between consumer-based virtual brand personality with customer satisfaction and brand loyalty. Design/ Methodology/ Approach A survey method was employed and data were collected from 219 online banking users in Malaysia. A ser...

  4. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

    Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

  5. Metamorphosis of Banking Products - A Perception of Bank Employees

    Directory of Open Access Journals (Sweden)

    Harshita B

    2015-08-01

    Full Text Available Banking products are undergoing major changes due to extensive use of it and changing demands of the customers in current scenario. This study basically focuses on the changes came into banking industry and its impact on customers base and bank profits. Data is collected from 50 employees of both private and public sector banks with the help of questionnaire. Hence we can conclude that all banks are providing almost similar products and services to satisfy their customers fully. The continous metamorphsis of banking products not only results in improvement of customer base but also has positive impact on the profits of the bank. Private sector banks are earning more profits as a result of metamorphosis of traditional banking products in comparison to public sector bank.

  6. 中国银行业的市场竞争特性——基于PR模型的分析%An Analysis of the Market Competition Characteristics of Chinese Banking Industry

    Institute of Scientific and Technical Information of China (English)

    彭欢; 孙丽璐; 谭建伟

    2012-01-01

    本文运用中国100家不同类型银行的面板数据,使用PR模型研究了中国银行业竞争的特性。结果表明,中国银行业总体上呈现垄断竞争的格局,市场竞争的变化不是单一的,与宏观经济的景气度正相关。四大国有银行间的竞争具有显著的完全竞争特点,这主要归因于中国对银行业实行的“以国家的名义垄断,以市场的身份竞争”政策,非国有银行在处理“软信息”方面的比较优势,使得非国有银行之间的竞争呈现出较强的地区差异。随着改革的深入,中国银行业已经开始呈现出在表外金融服务细分市场上运作的专业化、非国有银行和四大国有银行并肩齐驱的格局。%The reform path of the gradual deregulation in China's banking sector differs from that in the western countries. Does this difference in the deregulation process necessarily lead to a difference between the market com- petition among banks in China and competition among banks in the western countries? If there are differences, what could have caused them? Since deregulation changed the market competition structure, whether there are differ- ences between the competitions among banks with different ownership property? In other words, is the competition among the state-owned banks different from the competition among non-state-owned banks? What could have led to these differences and what behavioral gap are hidden behind these different market competitions due to different ownership structure? The answer to these questions helps to better understand the essence of the reform in China's banking industry and also contributes to the policy-making. Employing the globally-popular Panzar-Rosse model ( PR Model) in measuring the competition of the banking industry, this paper applies the panel data of 100 Chinese banks to study the competition characteristics of China's banking industry. The empirical study presents a monopolistic

  7. A study on relationship between cultural values and earnings quality: A case study on Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2013-06-01

    Full Text Available This performs an empirical investigation to evaluate the relationship between cultural values and earnings quality in some Iranian banks over the period 2005-2011. The individualism, uncertainty avoidance, power distance and masculinity dimensions are regarded as criteria for cultural values. The study also considers change in return on assets and loan loss provisions as the main criteria for earnings quality of banks. For measuring the cultural values, the questionnaire of Hofstede [Hofstede, G. (1994. The business of international business is culture. International business review, 3(1, 1-14.]. The study also uses two measures to calculate earnings quality: 1-just-meet-or-beat the prior year’s earnings and 2- Income smoothing through loan loss provisions based on compound linear regression. Research results showed that there was a weak relationship between cultural values and earnings management.

  8. The Value Relevance of IFRS in the UAE Banking Industry: Empirical Evidence from Dubai Financial Market, 2008-2013

    OpenAIRE

    2014-01-01

    The objective of this paper is to examine the value relevance of accounting information for the banks listed in the Dubai Financial Market (DFM) for the period 2008 - 2013. Empirical tests are based on the return and the price models. Overall, the results show that accounting information is associated with market valuation. The earnings are positive and significantly related to stock prices and stock returns. Moreover results indicate that value relevance of accounting information has changed...

  9. 基于产业异质性的银行贷款政策效应分析——来自上市银行的经验证据%Analysis of the Effects of Bank Loan Policy Based on Industrial Differences:Evidence from Listed Banks

    Institute of Scientific and Technical Information of China (English)

    张勇; 李亚玲

    2012-01-01

    在银行信贷资金配置存在产业间差异的假定下,建立引入产业因素的银行贷款决定模型,考察产业因素影响银行贷款渠道有效性的内在机制,并运用2007年到2010年14家上市银行和5组产业数据展开动态面板模型估计,结果表明:从贷款需求角度看,各个产业的产出对产业贷款的影响效应存在产业间差异;从贷款供给角度看,人民银行运用货币政策工具调控产业贷款的影响效应也存在产业间差异。也就是说,产业因素确实影响到人民银行调控各个特定产业贷款的力度。%Based on the data of 14 banks and 5 industries from 2007 to 2010,the paper is concerned with how the industry factors exert influence on the way the central bank regulates the industry loans by means of the bank lending.Under the assumption of industrial differences in bank credit funds allocation,the paper introduces a decision model of the bank lending concerning industry factors and includes a research on how the industry factors impact the bank lending.With the help of the analysis of the dynamic panel model,it is proved that from the perspective of loan demand,the impact the production of each industry exerts on the industry loan differs among different industries,and from the perspective of loan supply,the effect that the central bank regulates the industry loan through monetary policy also varies among various industries.Therefore,it shows that industry factors do affect the strength of the central bank's regulation for various industry loans.

  10. Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

    Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

  11. A BSC-DEA approach to measure the relative efficiency of service industry: A case study of banking sector

    Directory of Open Access Journals (Sweden)

    M. B. Aryanezhad

    2011-04-01

    Full Text Available Performance evaluation plays an important role in determining faults and difficulties of any organization as well as attempting to increase capabilities and improve activities. Data envelopment analysis (DEA, as a non-parametric method, has been one of the most important and significant management tools for measuring output or efficiency. In this paper, we propose a method to utilize balanced score card (BSC as a tool for designing performance evaluation indices of an organization. The integrated BSC-DEA has been applied as an empirical case for a major private bank organization and the results are analyzed.

  12. The Harm for Banking Industry by Excessive Industrialization and the Countermeasure%过度工业化对银行业的危害及相应的对策建议

    Institute of Scientific and Technical Information of China (English)

    王戈

    2014-01-01

    Excessive industrialization includes general, structural, regional, and project and product excessiveness. It hinders the sustain-able economic development, severely damages the natural environment and endangers food security and the stability of banking systems. It also leads to excessive dependence on banks by enterprises. Financial institutions shall enhance the ability to identify different situations and excessiveness in different industries, so as to implement differentiated policies to optimize the allocation of credit resources. Mean-while, the government shall develop a mandatory liability insurance system for curbing environmental pollution and improve the carbon e-missions trading market. In so doing, the dynamic equilibrium of demand and supply in different industries could be achieved for acceler-ating industrial upgrading and transformation.%过度工业化主要表现为整体过度、结构过度、区域过度以及项目和产品的过度,负面影响深远,阻碍了经济的可持续发展,对自然生态环境破坏严重,危及粮食安全及银行体系的稳定,引发了企业对银行的过度依赖。对于不同情况下、不同行业的工业过度化行为与表现,金融机构应增强识别能力,实施差别化政策,优化信贷资源配置。同时,政府应制定环境污染强制性责任保险制度,完善碳排放交易市场,促进不同行业的供需关系实现动态平衡,加快产业升级转型步伐。

  13. THE EFFECT OF IMPLEMENTING CORE BANKING SERVICES ON PROFITABILITY. CASE STUDY: ALL BRANCHES OF A PRIVATE BANK IN MASHHAD

    OpenAIRE

    Mansour Dehghan; mahdi ghafoorifard; Babak Shamsi; Seyed hamid Seyed heydari Seyed heydari

    2015-01-01

    Recently, the growth of information technology and increasing competition among banks has considerably affected attracting customers. Banking industry has made great changes to transform into the core banking. The present study aims to assess the effect of the implementation of core banking services on profitability. These services, as different branches of electronic banking, are consisting of internet banking, mobile banking, telephone banking, point of sale (POS), ATM, and electronic money...

  14. Banking Efficiency, Consolidation and Foreign Ownerhip: Evidence from the Polish Banking Market

    OpenAIRE

    Havrylchyk, Olena

    2007-01-01

    The thesis consists of four separate papers that can be read individually. In the first paper “Efficiency of the Polish Banking Industry: Foreign versus Domestic Banks” we analyze the efficiency of foreign and domestic banks. The second paper entitled “Foreign Acquisitions and Industry Wealth Effects of Privatisation: Evidence from the Polish Banking Industry” investigates the reaction of Polish bank stocks to acquisition by foreign investors. The third paper “Consolidation of the Polish Bank...

  15. Foreign Banks in Sub-Saharan Africa - Do North-South and South-South Banks Induce Different Effects on Domestic Banks?

    OpenAIRE

    Pohl, Birte

    2010-01-01

    In theory, the presence of foreign banks has spillover and competition effects on domestic banks leading to higher efficiency. Next to foreign banks from industrialized countries (north-south banks), foreign banks from developing countries (south-south banks) are important investors in Sub-Saharan Africa (SSA). South-south banks are either regional investors or are hosted in developing countries beyond SSA. This paper studies the competitive advantages and strategies of north-south as well as...

  16. A Banking System in Transition

    Institute of Scientific and Technical Information of China (English)

    WANG; ZHIPENG

    2002-01-01

    THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese banking system. Owing to low efficiency, lack of capital, and a high rate of bad debts over time, however, the system was weak and ineffective. In order to redress the situation, late last century the Chinese government launched reforms to streamline these four commercial banks and their operations. The banks subsequently set up asset management companies to buy back and resolve non-performing assets. Their operational structure was also upgraded and optimized so as to improve management efficiency and economic performance.

  17. An empirical study on open position risk assessment using VAR and regression analysis: A case study of Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Elmira Mahmoudzadeh

    2012-10-01

    Full Text Available During the past few years, there have been tremendous fluctuations on different currencies. For instance, European common currency, Euro, has be fluctuated between 0.60 to 0.9 against US dollar. Therefore, it is important to study the behavior of currency valuations using different techniques. In this paper, we present an empirical study to measure the impact of different items on risk of foreign currency using value at risk (VaR and regression methods. The proposed model of this paper investigates whether the risk of open positions of six foreign currencies including US dollar, Euro, British Pound, Switzerland Frank, Norwegian Kroner and United Emirate Dirham increase during the time horizon. The proposed study of this paper uses historical daily prices of these currencies for a fiscal year of 2011 in one of private banks located in Iran and measures the relative risk. The results of the implementation of two methods of VaR and linear regression indicate that the risk of open positions increases during the time horizon.

  18. Investigating the effect of different conflict management strategies on brand promise: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Hosseinali Aziziha

    2014-01-01

    Full Text Available The purpose of this paper is to study the effect of different conflict management strategies including competition, cooperation, prevention and compromise on brand promise. The proposed study uses the questionnaire developed by Putnam and Wilson (1982 [Putnam, L. L., & Wilson, C. E. (1982. Communicative strategies in organizational conflicts: Reliability and validity of a measurement scale. Communication yearbook, 6, 629-652.] to measure conflict management measures and to measure the components of brand promise, the study develops a questionnaire. The proposed study is executed among some employees of bank Melli Iran in city of Tehran, Iran. Cronbach alphas have been calculated as 0.76 and 0.83 for conflict management and brand promise, respectively. Using Pearson correlation ratios as well as multiple regression technique, the study determines that there was a reverse relationship between two conflict management strategies, cooperation and compromise, and brand promise. In addition, there was a positive relationship between two conflict management strategies, competition and compromise, and brand promise.

  19. Soundness of Ethiopian Banks

    Directory of Open Access Journals (Sweden)

    Hamdu Kedir Mohammed

    2015-06-01

    Full Text Available A well-functioning financial institution will sustain a countries economic development and play a great role in reduction of poverty. One of the major participants in the financial institution is the banking industry. However, the mal-functioning of the banking system can be extremely costly to the real economy. As Bank is one of the participants and major key player in the financial institutions, it needs a continuous assessment by its supervisory and management. Mere ratio analyses are commonly used Performance measurement among the banking industry in Ethiopia. Nonetheless, these financial ratios are more of traditional as well as partial measurements. As such this study conducted using CAMEL framework set by bank for international settlement. The study takes secondary data which are gathered from audited annual reports of all banks. The result shows CAMEL framework is the best fit measurement for Ethiopian Banks and it give a comprehensive result which is very helpful for the governor to set a well determined policy and procedure.

  20. The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience

    Directory of Open Access Journals (Sweden)

    Pooja MALHOTRA

    2009-11-01

    Full Text Available The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank

  1. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  2. Perceived organisational support for strengths use: The factorial validity and reliability of a new scale in the banking industry

    Directory of Open Access Journals (Sweden)

    Elzette M. Keenan

    2013-01-01

    Full Text Available Orientation: The perceived organisational support for strength use (POSSU scale determines the extent to which employees perceive that their organisations support them to use their strengths in the workplace.Research purpose: The purpose was to determine the validity and reliability of the new POSSU scale.Motivation for the study: There are instruments and studies that aim to identify and describe individual strengths. However, no instruments measure whether employees perceive that their organisations use their strengths in the workplace.Research design, approach and method: The authors used a cross-sectional field survey approach and an availability sample of employees (N = 165 who worked in the banking sector. They used exploratory factor analysis to test the factorial validity and to establish whether POSSU is an independent job resource. They performed regression analyses to examine whether POSSU is a significant predictor of outcomes.Main findings: The findings indicated a clear one-factor model with strong item loadings(α = .97. When the authors included other resources, they identified a five-factor model, where all the items loaded onto the supposed factors. POSSU was a significant predictor of burnout and engagement after controlling for job resources and a deficiency-based approach.Practical/managerial implications: A valid and reliable POSSU scale could lead to increased awareness about the use of employees’ strengths in organisations and help to determine their influence and value. Contribution/value-add: This study contributes to the limited research available in South Africa on the measurement of whether employees perceive that their organisations use their (the employees’ strengths.

  3. Factors Affecting Bank Switching Intentions in E-Banking

    Directory of Open Access Journals (Sweden)

    Leyla ÖZER

    2012-12-01

    Full Text Available The purpose of this research is to identify and examine the factors that contribute to bank switching intentions of e-banking customers and whether these intentions differ according to demographic characteristics (age, gender, education, marital status and income levels of customers. Regression results suggested that customer dissatisfaction, low service quality, high price, unfavorable bank reputation, limited product variety and involuntary switching factors were positively related to customers’ bank switching intentions in e-banking. On the other hand, promotion efforts were negatively related to customers’ switching intentions. In addition to this, bank switching intentions were revealed to be differing according to education levels. Bank switching intentions of well-educated customers were tend to be higher, while age, gender, marital status and income level didn’t make a difference on intentions. Based on the empirical results of current study, we will provide several theoretical and managerial implications in the area of service industry.

  4. One question: credit or debit? As health savings accounts gain in popularity, insurers and the financial services industry want to bank the cash.

    Science.gov (United States)

    Becker, Cinda

    2006-01-16

    The Blue Cross and Blue Shield Association has a new sideline-banking. By chartering its own bank, the Blues is joining other insurers that have moved into financial services to adapt to the changes being wrought by health savings accounts. And other insurers have been faster to make the move. The Blues "is certainly late to the game" of banking, says analyst Katy Henrickson, left.

  5. Banking Bank Charge Debates Continue

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ The saying, "There's no such thing as a free lunch" is one that can be applied to the charges increasingly being imposed on savers by Chinese banks.Ranging from managementfees for small deposit accounts to charges for withdrawals of large amounts of cash, from ATM cross-bank withdrawal charges to annual fees for bank payment cards, charges by banks are becoming a unstoppable trend. But it is not a trend the general public is so keen to accept.

  6. A Study on the Transition of Chinese Banking Industry in Post-crisis Era%后危机时代中国银行业的转型研究

    Institute of Scientific and Technical Information of China (English)

    尚震宇; 胡德宝

    2013-01-01

    巴塞尔协议III的逐步实施对后危机时代的中国银行业提出转型要求,未来中国银行业的竞争不仅仅局限在传统的信贷领域,还要积极拓展中间业务,才能符合转型需要。在国内外对中国银行业竞争绩效研究的基础上,以银行中间业务进行全要素生产率、综合效率和技术效率的实证分析,结果显示,中国银行业在后危机时代正在发生着积极的转型。%The implementation of Basel Accord III brings forward a new transitional requirement for China banking indus-try in post-crisis era, which means that the competition among banks is not only confined in the traditional credit operation, but in the expansion of intermediate business. By doing this, banks will meet the requirements of transition. Based on the re-search of competitive performance of China banking industry, aiming at intermediate business, the paper carries out evi-dence analysis of total factor productivity, combined efficiency and technical efficiency, the results show that there is a posi-tive transition of China banking industry in post-crisis era.

  7. Investigation of Physical Exercises of Industrial and Commercial Bank Workers in Ningbo%宁波市工商银行职工健身情况调查研究

    Institute of Scientific and Technical Information of China (English)

    应政; 霍磊

    2012-01-01

    With Industrial and Commercial Bank of workers Ningbo city as the research object, bank staff's fitness as the research content, it investigated and studied the Industrial and Commercial Bank office staff's fitness situation in the old district of Ningbo city. The bank workers' exercise fitness frequency, time, fitness programs, and fitness restrict factors and other aspects have been researched and analyzed, and then it put forward the related proposal, and suggestion for health workers.%以宁波市工商银行职工为研究对象,以银行职工的健身情况为研究内容,对宁波市工商银行老三区办事处职工的健身情况进行调查研究。通过对银行职工身体锻炼过程中的健身频率、时间、健身项目,及制约职工健身因素等方面问题的调查研究与分析,提出相关建议,为职工健身提供参考建议。

  8. 浅谈大庆高新区如何推动银行业和非银行金融机构快速发展%Discussion on how to promote the banking industry in Daqing High-tech Zone The rapid development and non bank financial institutions

    Institute of Scientific and Technical Information of China (English)

    钟艳梅

    2013-01-01

    By strengthening policy support,guide the financial innovation measures to promote the rapid development of high-tech zones in banking industry, the implementation of the " quick finance " project to improve the commercial banks to support small and medium enterprises, give full play to the main channel more bank financing function, to promote the rapid development of high-tech zone banking. Give full play to the guiding role of government, to guide the development of non-bank financial institutions, to alleviate the SME " financing".%  采用强化政策支持、引导金融创新的措施促进高新区银行业快速发展,实施“速贷通”工程提高商业银行对中小企业支持力度,更加充分发挥银行主渠道融资功能,推动高新区银行业快速发展。充分发挥政府的引导作用,引导非银行金融机构快速发展,缓解中小企业“融资难”问题。

  9. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

    The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and th

  10. Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC

    OpenAIRE

    Arshad, Rizwan

    2012-01-01

    The current study aimed at investigating the impact of foreign banks on domestic banks in (Brazil, Russia, India and China) BRIC group of countries during 2001-2011. The importance of this topic is due to instability of financial industry and continuously changing financial markets. Financial liberalization did not only give boom to banking industry but also made it more competitive and unstable. To stay in competition, banks follow risky practices that do not only create problems within fina...

  11. Return on Assets Efficiency of Kenyan Banking Sector

    Directory of Open Access Journals (Sweden)

    Isaiah Onsarigo Miencha

    2016-08-01

    Full Text Available This paper empirically predicts the Return on Assets (ROA efficiency of sample banks by using the Data Envelopment Analysis. A sample of 18 banks was taken for the study. The sample banks were categorized into three main groups’ i.e. large size group, medium size group and small size group. The main objective of this study was to analyze the technical efficiency (in respect of return on asset of sample Kenyan banks, namely, Kenya Commercial Bank Ltd, Standard Chartered Bank Ltd, Barclays bank of Kenya Ltd, Co-operative Bank of Kenya Ltd, CFC Stanbic Bank Ltd, Equity Bank Ltd, Bank of India Ltd, Bank of Baroda Ltd, Commercial Bank of Africa Ltd, National Industrial Development Bank of Kenya Ltd, I & M Bank Ltd, Diamond Trust Bank (K Ltd, Habib Bank Ltd, Oriental Commercial Bank Ltd, Habib Bank A.G. Zurich,Development Bank of Kenya Ltd, Fidelity Commercial Bank Ltd and K-Rep Bank Ltd. The study recommends that the inefficient banks should especially improve their non-cash loans and should control their annual expenditures.

  12. Brief Discussion on News Crisis and Reputation Risk Management in Banking Industry%浅谈新闻危机处置与银行声誉风险管理

    Institute of Scientific and Technical Information of China (English)

    李炳杨

    2012-01-01

    With the environment of press and consensus opening up gradually, it is increasingly important for banking industry to manage reputation risk. In this article, we analyzes the relationship between news crisis and reputation risk in banking industry by demonstration, and tries to find out the rule of news crisis and solutions to enhance the ability of reputation risk management in banking industry.%随着新闻舆论环境的逐步开放,声誉风险管理作为银行全面风险管理体系的重要内容,受到了各家商业银行的普遍关注和重视。本文拟通过对新闻危机与银行声誉风险之间的关系进行实证分析,找寻新闻危机发生的规律以及找出商业银行可采取的应对措施,进而提高商业银行声誉风险掌控能力,确保银行业务和谐稳健发展。

  13. Halcyon Days of the Banks?

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    With limited exposure to the global financial crisis, Chinese banks have remained profitable for the past three quarters while the rest of the world has groaned under the spreading global financial turmoil, China’s banking industry reported another season of good harvest when 14 listed banks all managed to secure high net profit growth in the first three quarters of this year. According to their quarterly reports, the 14 banks reaped a total of 334.1 billion yuan ($49 billion) in net profit during the period,

  14. The impact of bank size and funding risk on bank stability

    Directory of Open Access Journals (Sweden)

    Michael Adusei

    2015-12-01

    Full Text Available Does bank size significantly explain the variations in bank stability? Does bank funding risk significantly impact bank stability? This paper addresses these two questions with data from the rural banking industry in Ghana. Controlling for credit risk, liquidity risk, diversification in the business model, profitability, inflation, financial structure and gross domestic product, the results suggest that an increase in the size of a rural bank results in an increase in its stability. The results also show that funding risk positively impacts bank stability. The positive relationship between size and bank stability has important repercussions for the current debate on whether or not to constrain bank size to insulate the financial system from future crisis. The positive relationship between funding risk and bank stability also has important implications for the current debate on funding of retail banks.

  15. Industry

    Energy Technology Data Exchange (ETDEWEB)

    Bernstein, Lenny; Roy, Joyashree; Delhotal, K. Casey; Harnisch, Jochen; Matsuhashi, Ryuji; Price, Lynn; Tanaka, Kanako; Worrell, Ernst; Yamba, Francis; Fengqi, Zhou; de la Rue du Can, Stephane; Gielen, Dolf; Joosen, Suzanne; Konar, Manaswita; Matysek, Anna; Miner, Reid; Okazaki, Teruo; Sanders, Johan; Sheinbaum Parado, Claudia

    2007-12-01

    This chapter addresses past, ongoing, and short (to 2010) and medium-term (to 2030) future actions that can be taken to mitigate GHG emissions from the manufacturing and process industries. Globally, and in most countries, CO{sub 2} accounts for more than 90% of CO{sub 2}-eq GHG emissions from the industrial sector (Price et al., 2006; US EPA, 2006b). These CO{sub 2} emissions arise from three sources: (1) the use of fossil fuels for energy, either directly by industry for heat and power generation or indirectly in the generation of purchased electricity and steam; (2) non-energy uses of fossil fuels in chemical processing and metal smelting; and (3) non-fossil fuel sources, for example cement and lime manufacture. Industrial processes also emit other GHGs, e.g.: (1) Nitrous oxide (N{sub 2}O) is emitted as a byproduct of adipic acid, nitric acid and caprolactam production; (2) HFC-23 is emitted as a byproduct of HCFC-22 production, a refrigerant, and also used in fluoroplastics manufacture; (3) Perfluorocarbons (PFCs) are emitted as byproducts of aluminium smelting and in semiconductor manufacture; (4) Sulphur hexafluoride (SF{sub 6}) is emitted in the manufacture, use and, decommissioning of gas insulated electrical switchgear, during the production of flat screen panels and semiconductors, from magnesium die casting and other industrial applications; (5) Methane (CH{sub 4}) is emitted as a byproduct of some chemical processes; and (6) CH{sub 4} and N{sub 2}O can be emitted by food industry waste streams. Many GHG emission mitigation options have been developed for the industrial sector. They fall into three categories: operating procedures, sector-wide technologies and process-specific technologies. A sampling of these options is discussed in Sections 7.2-7.4. The short- and medium-term potential for and cost of all classes of options are discussed in Section 7.5, barriers to the application of these options are addressed in Section 7.6 and the implication of

  16. Leverage, Bank Employee Compensation and Institutions

    NARCIS (Netherlands)

    Bertay, Ata; Uras, Burak

    2016-01-01

    This paper investigates the empirical relationship between financial structure and employee compensation in the banking industry. Using an international panel of banks, we show that well-capitalized banks pay higher wages to their employees. Our results are robust to changes in measurement, model sp

  17. Banks Sparkle

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    There is no doubt that China’s banking system is a calm port in the global financial storm. Moreover, a great regulatory firewall and an easing monetary environment have enabled Chinese banks to increase lending and help shrug off the economic downturn. Yi Xianrong, a researcher at the Institute of Finance and Banking under the Chinese Academy of Social Sciences, discussed this topic in a recent article in the Shanghai Securities Journal. Edited excerpts follow:

  18. Can Improving Corporate Governance Help Solve over Risk -Taking Problem in Banking Industry --Survey about Executive Incentives and Bank- Risk- Taking Behavior%加强公司治理能够防止金融机构过度冒险吗?——关于高管激励与银行冒险行为的一个综述

    Institute of Scientific and Technical Information of China (English)

    李松; 卢宇燕; 洪正

    2012-01-01

    文章总结了银行高管激励与冒险行为的理论和实证研究,认为银行高管激励结构通过强调奖金与股票期权等短期的显性激励以及解职的隐形激励鼓励了冒险行为,增大了金融机构的风险也加大了金融系统性风险,而施加这种激励结构的正是偏好于短期冒险行为的银行股东。文章的研究为金融监管改革提供了参考,认为加强股东对高管薪酬和企业决策的影响并不能缓解银行的冒险行为,监管措施更应当着眼于权衡股东利益与金融稳定的冲突,而危机以后各国采取的监管加强措施可能并不能改善金融机构过度冒险的情况。%This paper summarizes the theoretical and empirical research about bank executive incentives and risk -taking behavior. Bank executive compensation, through bonuses and stock options, both short - term visible incentive and the invisible incentive, emphasized on short -turn incentive and encouraged bank -risk -taking behavior. This compensation structure reflected the risk preference of shareholders. The study of this paper shed light on prudential bank regulation. It reveals that improving corporate governance of bank industry would not help stabilizing financial system. Optimal bank regulation should focus on the conflict between the interests of shareholder and the stability of financial system.

  19. AN ANALYSIS OF STRUCTURE, BEHAVIOR AND BANKING PERFORMANCE OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Iqbal J. Permana

    2017-02-01

    Full Text Available This study aims to examine the impact of market structure and market behavior on the Islamic banking performance in Indonesia. Using the SCP model framework, this study examines five largest Islamic banking in Indonesia. The result reveals that market behavior, Islamic banking performance, third party funds, the business scale and the target market of Islamic banking have a significant impact on the market structure of Islamic banking industry; the market structure, performance of Islamic banks, types of financing product, profit sharing rate and distribution scale have a significant impact on the behavior of Islamic banking industry; and the market structure, market behavior, human resources development, the quality of Islamic banks’ financing and the credibility of Islamic banking financing have a significant impact on Islamic banking performance in Indonesia.

  20. Strengthening E - Banking security using Keystroke Dynamics

    OpenAIRE

    AHMAD KABIR USMAN; MAHMOOD HUSSA IN SHAH

    2013-01-01

    This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literat...

  1. ACCEPTANCE OF E-BANKING AMONG CUSTOMERS

    OpenAIRE

    K.T. Geetha; V.Malarvizhi

    2012-01-01

    Financial liberalization and technology revolution have allowed the developments of newand more efficient delivery and processing channels as well as more innovative products andservices in banking industry. Banking institutions are facing competition not only from each otherbut also from non-bank financial intermediaries as well as from alternative sources of financing.Another strategic challenge facing banking institutions today is the growing and changing needsand expectations of consumers...

  2. Customer Perspective in Use of Internet Banking

    OpenAIRE

    SEVİM, Taner; ÖMÜR, Gülşen

    2015-01-01

    Abstract— Considered as one of the most significant inventions of the century, the internet, beyond doubt, has either a positive or negative effect on many industries. One of those industries affected by the internet is banking industry. Internet banking being used in Turkey since the early 2000’s made preferred by people by eliminating security issues first. On the other hand, it is a fact that use of internet banking affects number of bank branches and personnel. One of the reasons underlyi...

  3. Business Process Flow Diagrams in Tissue Bank Informatics System Design, and Identification and Communication of Best Practices: The Pharmaceutical Industry Experience.

    Science.gov (United States)

    McDonald, Sandra A; Velasco, Elizabeth; Ilasi, Nicholas T

    2010-12-01

    Pfizer, Inc.'s Tissue Bank, in conjunction with Pfizer's BioBank (biofluid repository), endeavored to create an overarching internal software package to cover all general functions of both research facilities, including sample receipt, reconciliation, processing, storage, and ordering. Business process flow diagrams were developed by the Tissue Bank and Informatics teams as a way of characterizing best practices both within the Bank and in its interactions with key internal and external stakeholders. Besides serving as a first step for the software development, such formalized process maps greatly assisted the identification and communication of best practices and the optimization of current procedures. The diagrams shared here could assist other biospecimen research repositories (both pharmaceutical and other settings) for comparative purposes or as a guide to successful informatics design. Therefore, it is recommended that biorepositories consider establishing formalized business process flow diagrams for their laboratories, to address these objectives of communication and strategy.

  4. On the Accounting Recognition of Financial Derivatives in the Banking Industry of China%论我国银行业衍生金融工具的会计确认

    Institute of Scientific and Technical Information of China (English)

    岳娟娟

    2012-01-01

    衍生金融工具的会计确认具有明显的特殊性。近年来,由于我国商业银行开展的衍生性金融交易规模不断扩大,因此探究我国银行业衍生金融工具的会计确认问题,具有十分积极的现实意义。%Accounting confirmation for derivative financial instruments has obvious particularity. In recent years, due to scale expand of derivative financial transactions of China's commercial banks, exploring the issue of China's banking industry accounting recognition of derivative financial instruments has a very positive practical significance.

  5. The Current Banking Industry Civilized Norms Service Demonstration Unit With the Correct Evaluation Standard%现行银行业文明规范服务示范单位考核标准的评价与矫正

    Institute of Scientific and Technical Information of China (English)

    张翠翠

    2014-01-01

    The current bank of civilized service demonstration unit standards questionable places a lot of. In this paper, ifnd out the shortage of the current service standards through the national banking has to carry out a speciifc analysis and evaluation, put forward the bank civilized service demonstration unit standard correction view, deals with the formulation and evaluation standard of perfection of the principle is:to be practical and realistic attitude, pragmatic style of work, the idea of scientiifc development, characteristic and the demand of the customer for the the banking industry to design and make the evaluation standard, the only way is responsible for the development of China's banking sector.%现行的银行文明服务示范单位标准值得商榷的地方很多。本文通过找出目前全国银行业服务标准存在的不足来进行了具体分析和评价,提出了银行文明服务示范单位标准的矫正观点,阐述了制定和完善评价标准的原则是:要以实事求是的态度,务实的作风,科学发展的思想,针对银行业的特点和客户的实际需求来设计制定考核评价标准,只有这样才是对中国银行业发展负责。

  6. Banking reform and locational strategy of state-owned commercial banks in China: An empirical study of Industrial and Commercial Bank of China and Bank of China%银行业改革与国有商业银行网点空间布局——以中国工商银行和中国银行为例

    Institute of Scientific and Technical Information of China (English)

    贺灿飞; 刘浩

    2013-01-01

    伴随着国有商业银行股份制改革,中国国有商业银行在全国的网点布局发生了战略性变化.在经营效益的驱动下,银行采取集中化策略,大幅度减少基础网点数目,而增加支行数目.两类网点地理分布的空间不均衡性加大,地理集中度上升.网点布局向主要经济增长极集中,而从边疆地区与落后地区撤离.对中国工商银行和中国银行基础网点及支行空间分布统计分析表明,两者的两类网点的地理分布在股份制改革后均发生了较大的变化,基础网点更加接近主要客户群体,支行则更加集中在经济发展较好的地区.结合自身的业务优势与特点,两者在两类网点的区位选择上也有一定的差别.国有商业银行经营效益导向的网点布局战略将可能带来落后地区的金融排斥问题.%With the reform of state-owned commercial banks, spatial distribution of China's state-owned commercial banks has also undergone great changes. Driven by operational efficiency, ICBC's and BOC's savings outlets are significantly reduced, whereas their branches are increased, their regional unevenness and geographical concentration are both increased: the main economic growth poles enjoy a boom, while the border and less developed areas suffer from a recession. According to the econometric result, the geographical distribution of ICBC's and BOC's types of outlets has been changed largely after the reform. The savings outlets become closer to main customer groups, while branches have become more concentrated in areas with better economic development. Taking their own business advantages and characteristics into account, ICBC and BOC show some differences in location choice. The strategy of state-owned commercial banks on outlet distribution may cause the less developed areas suffer from financial exclusion in terms of operational efficiency.

  7. Security and Privacy of Electronic Banking

    Directory of Open Access Journals (Sweden)

    Zachary Bosire Omariba

    2012-07-01

    Full Text Available The internet has played a key role in changing how we interact with other people and how we do business today. As a result of the internet, electronic commerce has emerged, allowing business to more effectively interact with their customers and other corporations inside and outside their industries. One industry that is using this new communication channel to reach its customers is the banking industry. The e-banking system addresses several emerging trends: customers demand for anytime, anywhere service, product time-to-market imperatives and increasingly complex back-office integration challenges. The challenges that oppose electronic banking are concerns of security and privacy of information. This paper will first discuss the drivers of e-banking; secondly, it will talk about the concerns about e-banking from various perspectives. Thirdly, the security and privacy issues will also be discussed, and fourthly the attacks of e-banking with their solutions are discussed.

  8. Regional Development and Effects of Investment Banks

    Directory of Open Access Journals (Sweden)

    İsmail Erkan Çelik

    2013-04-01

    Full Text Available The World Bank is the most important financier for international investment. The bank opens credits mostly for investment projects in developing countries. Turkey has received various investment credits since its membership to the World Bank on March 11, 1947. The credits were used for economic and social domains. Turkey has also been granted credits from the European Investment Bank (EIB. The credits received are composed of micro credits that belong to small and medium enterprises (SMEs. A regional development bank, Islamic Development Bank, has also received credits through Eximbank and Industrial Development Bank of Turkey (TSKB to finance Turkish SMEs. This paper deals with Turkish investment strategies in the framework of basic principles of investment – development banks.

  9. 2011年广西银行业改革发展回顾及2012年展望%A Review of Guangxi Banking Industry Reform and Development in 2011 and Prospects in 2012

    Institute of Scientific and Technical Information of China (English)

    苏保祥

    2012-01-01

    2011年以来,广西银行业认真贯彻落实国家宏观调控政策,各项业务实现快速发展,信贷增长平稳有序,服务薄弱领域的能力进一步加强,改革取得新进展,发展质量、效益和经营管理水平显著提高,综合实力明显增强。随着2012年自治区深入实施"翻两番,跨两步,三提高"的战略目标,辖内银行业面临新的发展机遇。广西银监局将督促和引导银行业金融机构乘势而上,按照科学发展和审慎经营的要求,推进改革创新,不断改进金融服务,提高银行业服务实体经济的能力和水平,促进地方经济与银行业发展实现"双赢"。%Since 2011,Guangxi banking industry have being carried out state's macro-control policy seriously,all business grew speedily,credit increased steadily,service capacity for weak fields further enhanced,reform achieved new progress,asset quality,profitability,operation and management abilities significantly improved,the comprehensive competitive power strengthened evidently.With thorough implementation of the strategies of quadrupling GDP,stepping two-pace and achieving three rises,Guangxi banking industry is facing rare chances for development.CBRC Guangxi office will enhance guide and impetus for Guangxi banking industry to go ahead with the advantages,advance the reform innovation,continuously improve financial services for real economy growth,promote to realization of the win-win between the developments on regional economy and banking industry.

  10. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; Scher, Mark J.

    1999-01-01

    Financial market recommendations for less industrialized economies, particularly in the wake of the recent financial crises, have included a push for more international financial competition. The entry of multinational banks (MNBs) into developing economies is supposed to create more market discipline for domestic banks, thus making them more efficient, and enhancing financial stability. Using data from the BIS and the IMF, we look at the determinants of MNB presence, at MNB activities, and t...

  11. PROSPECTS OF ISLAMIC BANKING: REFLECTIONS FROM PAKISTAN

    Directory of Open Access Journals (Sweden)

    Muhammad Akram

    2011-06-01

    Full Text Available This study examines the growth and development phases as well as prospects of Islamic banking in Pakistan. The role of Islamic banking is explained with special regards to corporate social responsibility (CSR as now days this concept is growing vastly. Awareness in public also has been growing and people are moving towards Islamic banking system. As we live in a Muslim country so it is very essential to have some basic knowledge about the Islamic banking. In this paper growth and performance of Islamic banking is discussed and compared among the financial years from 2003 to 2010 in terms of growth parameters like assets, deposits, sources and uses of funds. The performance indicators are also discussed to evaluate the growth and performance of Islamic banking system. In the last eight years, Islamic banking paved with the rapid market share of banking services. Moreover the efforts made by the central bank in Pakistan (SBP are also remarkable in growth of Islamic banking. By seeing the present growth of Islamic banking, it is anticipated that in near future, Islamic banking with get major share in banking industry in Pakistan.

  12. Obstacles and Interpretations pertinent to Theoretical Clarifications for Application of the Antitrust Law in Banking Industry%障碍与释疑:反垄断法适用于银行业的理论澄清

    Institute of Scientific and Technical Information of China (English)

    刘乃梁

    2016-01-01

    法律适用的明晰是开展法律规制实践的必要前提。虽然反垄断法的适用障碍表现出法律效力的“自我否定”倾向,但是这种制度设计源于对行业发展规律和合理规则方法的尊重。伴随市场经济的发展和管制行业的开放浪潮,反垄断法适用障碍具有主客观两方面的消弭倾向,其适用范围不断扩张。市场化进程的推进使得作为垄断性行业的银行业逐渐回归市场竞争的发展本质,“新型”的反垄断规制和“传统”的金融规制也会因此产生此消彼长的态势转变。《反垄断法》适用于银行业的实然逻辑在于既有法律规则范畴下的解释合法性、银行业市场发展演变的行业合理性以及我国反垄断规制发展脉络下的可期待性。%The application of law should be specific, which is the necessary premise for implementation of legal rules. Although there are applicable obstacles in the antitrust law which tend to be“self-denial” of the legal effect, this systemic design aims to respect development principles of the industry and reasonable plan methods. With development of the market economy and open waves for supervisory industries, applicable obstacles in the antitrust law tend to disperse both subjectively and objectively with expanded scope of appli-cation. The market-oriented process gradually drives the banking industry of monopoly back to the nature of market competition. The “innovated” antitrust regulations and the “traditional” financial regulations will be transformed alternatively. The actual logic for the Antitrust Law to be applied in the banking industry lies in the reasonableness of interpretations in the present context of legal rules, the reasonableness of market evolve-ment of the banking industry and the expected path for development of antitrust rules in our country.

  13. A Study of Performance Related Pay in Chinese Commercial Banks

    OpenAIRE

    Fan, Ruonan

    2013-01-01

    With rapid economic development, Chinese banking industry and the HR areas are both changed enormously. Chinese banking industry has increased more than 10 times since 2003 and the numbers of banks in China have grown from four hundred to twelve hundred in the past three decades. In the best period for development, Chinese commercial banks are also facing severe competition, especially in retaining experienced employees. “Pay” now is regarded as the most crucial factor by Chinese employees...

  14. Relação entre concentração e rentabilidade no setor bancário Brasileiro A study on the relationship between concentration and profitability in the Brazilian banking industry

    Directory of Open Access Journals (Sweden)

    José Alves Dantas

    2011-04-01

    and the stability of the banking industry; and (2 a greater profitability might indicate that banks have an opportunistic behavior, associated to a concentrated market. This study is aimed at evaluating the degree of concentration of the Brazilian banking industry and verifying whether there is a relationship between the level of bank profitability and the sector's degree of concentration, based on total assets, credit operations and bank deposits from January 2000 to December 2009. Taking the parameters of Brazilian antitrust authorities as benchmarks, we cannot find evidence of concentration in the Brazilian banking industry, although it should be mentioned that the concentration indicator has increased substantially from the end of 2008 onwards. When we take the concentration parameters used in the US, we find that, by the end of the period, the indicators fall within the "moderate concentration" range. As a second aim of the paper, we test hypotheses based on the structure - performance paradigm, which assumes that less competition associated to higher concentration results in higher bank profitability. The results do not corroborate the hypotheses in any of the combined tests performed, because the parameters are either statistically insignificant or negative. Expectations that higher market concentration would explain higher bank profitability, according to the structure - performance hypothesis, are not confirmed. On the contrary, we find evidence that the efficient structure hypothesis explains the profitability of the Brazilian banking industry more adequately.

  15. An investigation on factors influencing electronic banking adoption in private banks versus public banks

    Directory of Open Access Journals (Sweden)

    Ali Alikhani

    2014-01-01

    Full Text Available The movement of industrial societies towards implementation of information technology has begun and it has gained moment since early 90th and presently the speed of this movement is well obvious in less developed countries, including Iran. Internet Banking is one of the most tangible trends in today’s electronic commerce. It has direct relationship with the perception of the service qualities not only because of unique absorption of the internet, but also because of e-commerce, acceptance of internet services of banks by clients and the tendency for using such services. This paper investigates different factors influencing on acceptance of electronic banking in private banks versus public banks in a case study of two Iranian banks namely; Eqtesade Novin and Sepah using Technology Acceptance Model (TAM. Correlation test reveals that there was a positive and significant relationship between clients of private and public bank on five factors associated with TAM. In addition, structural equation method was used for investigation of relationships in offered model. In conclusion, all primary and secondary hypotheses for clients of private and public bank were confirmed.

  16. THE EFFECT OF IMPLEMENTING CORE BANKING SERVICES ON PROFITABILITY. CASE STUDY: ALL BRANCHES OF A PRIVATE BANK IN MASHHAD

    Directory of Open Access Journals (Sweden)

    Mansour Dehghan

    2015-07-01

    Full Text Available Recently, the growth of information technology and increasing competition among banks has considerably affected attracting customers. Banking industry has made great changes to transform into the core banking. The present study aims to assess the effect of the implementation of core banking services on profitability. These services, as different branches of electronic banking, are consisting of internet banking, mobile banking, telephone banking, point of sale (POS, ATM, and electronic money which are all tested in the current study. In order to test research hypotheses and the existing relationship between variables, needed data has been collected and analyzed through the application of stepwise regression model. The achieved findings indicate a significant relationship between the application of internet banking and ATM and the variable of profitability, while there is no significant relationship between the application of telephone banking, mobile banking, POS, and electronic money and profitability.

  17. E-Banking in Malaysia: Opportunity and Challenges

    Directory of Open Access Journals (Sweden)

    Chai Lee Goi

    2005-12-01

    Full Text Available E-banking has to be a delivery channel that replicates and replaces many of the physical functions a bank currently performs. Hence, the E-banking now becomes a virtual banking counter that the individual and corporate customer to carry out the regular activities. Even E-banking services more to electronic-based, but, it still strongly support banking activities, therefore communication, transaction and distribution (Peterson, Balasubramanian and Bronnenberg, 1997. There are number of challenges need to be faced by Malaysian banks, however, the opportunity in this industry is high due to the current trend especially application and development of ICT.

  18. Excellency in banking services - A new road map for banks in the emerging new competition

    Directory of Open Access Journals (Sweden)

    R. K. Uppal

    2011-01-01

    Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

  19. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

    In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

  20. Liberalization, Bank Governance, and Risk Taking

    OpenAIRE

    Illueca, Manuel; Norden, Lars; Udell, Gregory

    2011-01-01

    textabstractWe study the effects of the interplay between deregulation and governance on risk taking in the financial industry. We consider a large natural experiment in Spain where the removal of regulatory geographic constraints for savings banks led to a nationwide expansion of these banks during the past two decades. Based on a unique data set that combines information on the geographic distribution of bank lending, matched lender-borrower financial statements, and borrower defaults, we f...

  1. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit...

  2. RMB Business Boost for Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ With the competition over foreign currency loans becoming intensified among foreign and Chinese banks, rivalry on loans made in RMB are seeing a similar trend. Specifically, the local banks' "comfort zone" has been challenged as the country's financial industry opens according to the timetable of WTO agreement, with full opening arriving at the end of this year.

  3. Liberalization, Bank Governance, and Risk Taking

    NARCIS (Netherlands)

    M. Illueca (Manuel); L. Norden (Lars); G.F. Udell (Gregory)

    2011-01-01

    textabstractWe study the effects of the interplay between deregulation and governance on risk taking in the financial industry. We consider a large natural experiment in Spain where the removal of regulatory geographic constraints for savings banks led to a nationwide expansion of these banks during

  4. How Banking Competition changed over Time

    NARCIS (Netherlands)

    Bikker, J.A.; Spierdijk, L.

    2008-01-01

    This paper is the first detailed and world-wide investigation of the developments in banking competition during the past fiffteen years. Using the Panzar-Rosse approach, we establish significant changes over time in the competitiveness of the banking industry. The changes in competition over time ar

  5. Banking on Reform in the Rising China

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ About six years ago when China first entered the WTO and agreed to open up its retail banking market after a period of five years,many overseas media organizations held a pessimistic outlook that China s banking industry was headed towards bankruptcy.

  6. Essays in Banking and Corporate Finance

    NARCIS (Netherlands)

    T. Wang (Teng)

    2015-01-01

    markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how changes

  7. Banking structure and financial stability:a comparison of Chinese and German banking systems

    Institute of Scientific and Technical Information of China (English)

    CAI Conglu

    2006-01-01

    In the process of financial globalization and diversification,the issue of financial stability has become heated all over the world.This Paper attempts to uncover the delicate relationship between banking structure and financial stability by comparing and analyzing the situation of the Chinese and German banking systems.This paper suggests that(i)the trade-off between competition and concentration in banking industry is a vital factor to maintain financial stability and(ii)concentration is not always a bad thing for financial stability,especially in banking systems with discontent bank performance.

  8. Investment Banking

    OpenAIRE

    Oana Mihaela Vãsioiu

    2008-01-01

    The economic, financial and monetary changes had serious consequences not only on the level of providing the finance necessary for the development process but also on the level of providing the finance required for importing the basic food needs and rendering necessary production inputs. All these problems show the importance of “Banks” generally and “Investment Banks” particularly in the emerging and underdeveloped countries. Banks as financial institution or intermediary mobilize either nat...

  9. Hiinlased seljatasid Bank of America / Tarvo Vaarmets

    Index Scriptorium Estoniae

    Vaarmets, Tarvo

    2007-01-01

    Hiina suurpanga Industrial & Commercial Bank of China (ICBC) aktsia hind kerkis Shangai börsil 5,5 protsendi võrra. Diagramm: ICBC aktsia hind; Tabel: 10 suurimat panka maailmas. Kommenteerib Romet Kreek

  10. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  11. Banking sector globalization and bank performance: A comparative analysis of low income countries with emerging markets and advanced economies

    Directory of Open Access Journals (Sweden)

    Amit Ghosh

    2016-06-01

    Full Text Available A key feature of financial services liberalization is the increasing presence of foreign banks in a nation. This study examines the impact of banking sector globalization on bank profits and cost efficiency by using a panel of 169 nations spanning 1998–2013. Employing both fixed-effects and GMM estimations, and including banking-industry and macroeconomic controls, I find greater banking-sector globalization to reduce both profits and cost inefficiency, thereby reflecting increased competitiveness and informational asymmetries in host markets, as well as assimilation of better technology, managerial practices by domestic banks. The results are further examined for nations across different levels of economic development and with different degrees of foreign bank presence. Only in emerging markets and in nations with more than 50% foreign banks, greater banking sector globalization positively affects profits. From a policy perspective, the findings call for banking regulatory authorities to implement polices to reduce informational asymmetries in host markets.

  12. ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

    Directory of Open Access Journals (Sweden)

    Paun Dragos

    2010-12-01

    Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

  13. USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    ALIN ISAC

    2013-12-01

    Full Text Available Technology and applications of mobile phones offer many opportunities for businesses, they also presenting a continuous development and new challenges. Although this service is currently viewed with reluctance by customers, banks need to overcome this drawback and understand how this service can be combined with other alternative channels such as social media, to create value for customers. In this paper I presented information about present and perspectives in mobile applications industry, what can a mobile application do in banking, banking mobile applications in Romania, mobile banking applications worldwide.

  14. Reform Ideas of Continuing Education in College with Industrial Features Based on "Credit Bank" System%基于"学分银行"制度的行业特色型高校继续教育改革思路

    Institute of Scientific and Technical Information of China (English)

    姚瑶; 刘莹

    2015-01-01

    "学分银行" 制度是我国继续教育改革未来的发展方向, 能够充分发挥继续教育所具有的开放性、 公平性、 终身性等特点. 灵活的学分认定、 学分累积、 学分转换机制打破了传统教育管理的弊端, 从服务创新、 合作创新、 管理创新几个方面为行业特色型高校继续教育的发展提供了改革思路. 高校需要结合自身继续教育发展的特点, 有计划、 有步骤地建立继续教育 "学分银行", 为构建行业人才的终身学习平台发挥重要作用.%"Credit Bank" system which can represent the characteristics of continuing education, such as open-ness, fairness, lifetime and so on is the future direction of continuing education reform in our country.The flexi-ble mechanisms of credit certification, credit accumulation and credit transformation break the drawbacks of tra-ditional education management and can provide the reform ideas from the aspects of service innovation, coopera-tive innovation and management innovation for the development of continuing education in college with industrial features.Based on its own features of continuing education, the college should establish continuing education"Credit Bank" systematically to make it play an important role in training industry talents.

  15. Bank Bailouts and Moral Hazard : Evidence from Germany

    NARCIS (Netherlands)

    Dam, L.; Koetter, M.

    2012-01-01

    We use a structural econometric model to provide empirical evidence that safety nets in the banking industry lead to additional risk taking. To identify the moral hazard effect of bailout expectations on bank risk, we exploit the fact that regional political factors explain bank bailouts but not ban

  16. Local Government Intervening in Banking Industry:Inner Logic and Empirical Evidence%地方政府干预银行业:内在逻辑与经验证据

    Institute of Scientific and Technical Information of China (English)

    姚耀军; 彭璐

    2013-01-01

    As the result of fiscal decentralization and the institutional arrangement of promotion incentive, local govern-ments have played the dominant role in promoting local economy. In the process of “competing for growth”, the local governments intervene in banking sector to grab cheap financial resources. The tax-sharing fiscal system reform has weakens the fiscal capacity of local government, which enhances the motivation of the local government to intervene the banking industry even more. Local government intervention has promoted the development of local financial institutions. The emergence of local financial institutions helps to break up monopoly of state-owned banks. But due to the excessive intervention of local governments, local financial institutions have a fairly limited role to enhance the banking intermedi-ary efficiency.%源于财政分权与晋升激励的制度安排,地方政府成为推动地方经济发展的主角。在“为增长而竞争”的过程中,地方政府对银行业进行干预以攫取廉价的金融资源。分税制改革削弱了地方政府的财政能力,增强了地方政府对银行业进行干预的动机。借助于各种行政手段,尤其是通过对地方金融机构的操控,地方政府对银行业的干预得以实现。地方政府干预导致大量信贷资金财政化,将带来明显的通货膨胀后果。地方政府干预推动了地方性金融机构的崛起。尽管地方性金融机构崛起有助于打破银行业由国有大银行所主导的高度垄断局面,但由于地方政府对地方性金融机构的深度干预,地方性金融机构崛起对银行中介效率的提升作用十分有限。

  17. On the Application of Fair Value Measurement in China' s Banking Industry%公允价值计量在我国银行业中的运用探究

    Institute of Scientific and Technical Information of China (English)

    吴冬霞

    2011-01-01

    在2008年全球性金融危机的背景下,公允价值计量属性再度成为理论界与实务界关注的焦点。新企业会计准则中有关金融会计准则的颁布与实施对增强我国银行业财务报告的质量和透明度起到了积极的促进作用,但是采用公允价值计量属性,必将对习惯采用历史成本计量属性的银行的财务状况和经营成果带来相当大的影响,同时也给银行的风险管理理念、风险控制技术以及风险管理能力提出新的挑战。文章针对公允价值计量在我国银行业中的运用进行了相关探究。%Under the background of global financial crisis in 2008, the attribute of fair value measurement has be- come the foucs of attention in both circles of theory and practice. Among the new accounting standards, there are relevant financial accounting standards, whose promulgation and implementation plays a positive role in enhan- cing the quality and transparency of financial reports in China' s banking industry. Howevaer, the application of fair value measurement will inevitably exert a tremendous influence on the financial conditions and management performance of those banks used to adopt the attribute of historical cost measurement. Meanwhile, new challen- ges will be brought to the bank's risk management philosophy, risk control technology and risk management ca- pability. This article carries out some relevant research into the application of fair value measurement in China' s banking industry.

  18. Three Lines of Risk Control:Bank Industry of Guangzhou in the Time of Republic China%民国时期广州银行业风险控制的三道防线

    Institute of Scientific and Technical Information of China (English)

    蒙启宙

    2016-01-01

    Situated in the far south of China, Guangzhou is far away from the emperor’ s ruling and next to Hongkong, Macaw, connecting the South Seas area. Its finance is very unique for the whole time. At the end of Qing dynasty and the time of Republic China, lots of bank institutions gathered in Guangzhou and the first national central bank of China came into being then. In China’ s history, there were two rounds of banks shut down, of which the second one is symbolized by the closing of Guangdong Bank. Through plenty of first-hand material, this paper reproduces the history of new commercial bank in the Republic China Period. The hardship at the very beginning of founding, the flourishing when it was in business, and the sadness when it was closed are all included. Three control lines were formed in the Guangzhou bank industry, i.e., to exclude risk of morality, to limit operating risk, to eliminate credit risk, which is very good historical experience for the financial bureau and entrepreneurs who want to find a place in finance field.%地处中国南部边陲的广州远离皇权中心而毗邻港澳、连接南洋等地,其金融历来自成一派。清末民国时期,这里聚集了众多的银行机构,诞生了中国历史上第一家国家中央银行。而在中国历史上发生过的两次银行停业倒闭高潮中的第二次却是以广东银行的停业为标志的。目前,我国对民营银行的受理已全面开闸,民间资本进入银行业的渠道和机构类型已全部开放。开办银行或成为银行股东于国人而言已是美梦成真了。而处在国民经济核心地位的银行,其经营的成败将会对一国乃至一个地区的经济稳定产生重大影响,开办银行既需要资本更需要智慧。本文通过大量鲜活的一手史料,再现了清末民国时期新型商业银行在广州设立时的艰辛、开业时的盛况、倒闭时的悲哀,进一步理清了广州银行业在排除道德风险

  19. Internet Banking in Romania at a Glance

    Directory of Open Access Journals (Sweden)

    Silvia Ghita-Mitrescu

    2016-01-01

    Full Text Available The development of the information and communication technologies and the changes brought to the business models by introducing the use of internet services in the recent decades could not be ignored by the banking industry. The emergence and the development of the internet banking have raised many questions to both academia and industry representatives, both in terms of the benefits of the new organizational models based on providing financial services online and the degree of penetration of these services at the national economy level. This paper aims to make an analysis of the extent to which the internet banking services are used in Romania. The analysis took into account various criteria for the classification of internet banking users (age, residence, occupational status. The study showed that the use of the internet banking services in Romania is still below the European average but has an upward trend.

  20. Bank service quality in private sector: Evidence from Iran

    Directory of Open Access Journals (Sweden)

    Niloufar Asgarian

    2013-02-01

    Full Text Available Service quality plays an important role in service industries such as banks, insurance firms, etc. The purpose of this paper is to investigate level of service quality in private banking industry in Iran. The proposed model of this paper uses SERVQUAL tool for measuring service quality and population of this study includes customers of three private banks in Tehran. Results show that except efficiency, other variables of SERVQUAL obtained suitable level mean in this study. As a result, with the development of electronic commerce, internet banking has become an alternative for developing, operating and offering bank services.

  1. The Consolidation on Banking Supervision in the Context of a Pan European Banking System

    Directory of Open Access Journals (Sweden)

    Teodora Barbu

    2007-03-01

    Full Text Available The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must be emphasized the necessity of consolidating banking supervision at an European level, considering that the International Banking Community studies the problematic of banking regulations at a global level. The two dimensions of the prudential and European bank supervision device – the geographic and the institutional – demand the creation of a structural reform in order to ensure the functioning of a Pan European system of banking supervision and regulations. The considerations on the Consolidation of European Banking Supervision draws into discussion the Financial Supervision Authority which has generalized as an applicable model in numerous European countries and has been mentioned as an alternative of Pan European banking supervision. In the process of the integration of the banking sector, the Basel II Accord represents an opportunity in reaching a convergence of national regulations and practices in matters of risk management, considering that these actions are in line with the preoccupations of realizing a Pan European banking system. Thus, the creation of Pan European banking system involves actions in more directions: legal, institutional, operational meant to ensure the consolidation of banking supervision.

  2. Alternative methods of corporate control in commercial banks

    OpenAIRE

    Stephen D. Prowse

    1995-01-01

    In this article, Stephen Prowse investigates how owners of commercial banks encourage management to follow value-maximizing policies. While the "corporate control mechanism" in nonfinancial firms is well documented, for the banking industry much less evidence is available. Moreover, unique factors in the operating environment of commercial banks may mean that their corporate control mechanism operates differently from that of nonfinancial firms. ; Prowse analyzes a sample of bank holding comp...

  3. Service Quality in Banks and Customer Relationship Strength

    OpenAIRE

    Hartl, Kathleen; Ruci, Irida

    2009-01-01

    Background Today, the Swedish banking industry is facing aggressive competition as a consequence of many changes; increase of competitors in the marketplace, changes in the market structure, technological advancements and the use of Internet banking, and the increase of customer demands. Therefore, the pressure that each bank faces is high and banks need to upgrade their strategies and adjust their business approach to the quick changes. An understanding of customers’ expectations and percept...

  4. Governing the Governors: A Clinical Study of Central Banks

    OpenAIRE

    Frisell, Lars; Roszbach, Kasper; Spagnolo, Giancarlo

    2008-01-01

    Recent research on central bank governance has focused mainly on their monetary policy task. As the sub-prime loan market turmoil reminded us - central banks play a crucial role in financial markets not only in setting monetary policy, but also in ensuring their soundness and stability. In this paper we study the specific corporate governance structures of a number of central banks in light of their complex role of inflation guardians, bankers' banks, financial industry regulators/supervisors...

  5. Exploring nomological link between automated service quality, customer satisfaction and behavioural intentions with CRM performance indexing approach: Empirical evidence from Indian banking industry

    Directory of Open Access Journals (Sweden)

    Arup Kumar Baksi

    2013-01-01

    Full Text Available Automation in service delivery has increased the consumers’ expectation with regard to service quality and subsequently the perception of the same. Technology-driven services redefined quality dimensions and their subsequent impact on the behavioural outcomes of the consumers with specific reference to attitudinal loyalty and propensity to switch. Customer Relationship Management (CRM has further reinforced the operational aspects of a service provider by integrating the behavioural perspectives with technology. This paper attempts to explore the nomological link between automated service quality and its behavioural consequences with specific reference to consumers’ attitudinal loyalty and their intention to switch or defect from their present service provider. The study further takes into consideration the moderating effects of the performance of the dimensions and attributes of customer relationship management by introducing a novel approach to CRM performance indexing. The cross-sectional study was carried out with the customers of State Bank of India at Asansol, Durgapur, Bolpur and Santiniketan in West Bengal, India. The study used structural equation modeling (SEM to assess and validate the nomological relationship between the variables.

  6. 银行业数据质量管理方法研究与实践%Research and Application of Data Quality Management in Bank Industry

    Institute of Scientific and Technical Information of China (English)

    田江; 刘晨

    2015-01-01

    银行数据质量管理是数据体系的核心部分,是数据价值实现的关键保障。本文在深入分析银行信息系统建设及数据应用对应的质量需求后,结合内外部特点提出了有针对性的数据质量管理方法,并讨论了数据质量对应的技术、人员能力要求。最后着重分析了宏观信息质量管理的内涵外延并给出应对举措,以适应银行业监管要求及大数据、云计算等发展趋势。%Data quality management is the core part of the bank data system, the key to guarantee the realization of the value of the data. Based on in-depth analysis of data quality requirements during information system construction and data application, we put forward some specific management methods, and discuss the corresponding technical and personnel capability requirement. In order to meet regulatory requirements and big data, cloud computing trend, we focus on the analysis of the information quality management trend and provide countermeasures.

  7. Strengthening Standardized Construction of Bank Card, Integrating with International Financial Circles

    Institute of Scientific and Technical Information of China (English)

    Song Lei

    2005-01-01

    @@ Following the accession to the WTO of China,bank card industry faces new competition pressure and challenges. At present, the most outstanding problem we face is, how to narrow the gap of development between the international bank card industry and that of China and keep up with fast-developing paces of international bank card as soon as possible. Objectively speaking, bank card industry of our country is still at the initial stage.

  8. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

    Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

  9. Banking Reform in Georgia

    OpenAIRE

    Mercan, Metin

    2006-01-01

    Georgia's banking system restructure began in 1991 when Soviet Union collopsed.This paper tries to compare and constract the performance of banks and banking system between 1999 and 2004 with banks in other transition countries. Although Georgia banking system showed a long processing in banking sector, it is still lags behind other transition countries Central and Eastern Europe. Neverthless.An efficient financial institution and performance will not come without further economic development...

  10. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

    Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

  11. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  12. Banking Industry in the Town of Beiwudu of Henan in the Qing Dynasty -An Investigation on the Newly-discovered Epigraphs%清代河南北舞渡镇的金融业——以新见碑刻为中心的考察

    Institute of Scientific and Technical Information of China (English)

    王琳

    2012-01-01

    The rise and growth of banking industry in the town of Beiwudu, a well - known business town in central China in the Qing Dynasty, was closely related with the prosperity of commerce there. The banking industryin the town then consisted mainly of two major types of business, exchange shops and pawnshops. The exchange shops there included not only Weishengchang, one of the well-known in Shanxi but also exchange shops that hadgrown out of the local oil-making industry. Apparently, the rise of banking industry in the town of Beiwudu coincided with the general way in which exchange shops, the organ of banking industry in ancient China, came intobeing., Moreover, the convenient water transport in central China helped promote development of urban banking industry and commerce in the Qing Dynasty.%北舞渡镇是清代中原地区著名的商业城镇,其金融业的产生、发展与商业的繁荣有很密切的关系。清代北舞渡镇的金融业由票号和当铺两大类型构成,其中票号不仅有山西著名票号蔚盛长,而且从北舞渡镇的制油业中也产生了本地票号。清代北舞渡镇金融业的产生与中国古代金融业主要机构——票号产生的一般途径相吻合,中原地区便利的水运交通条件推动了清代城镇商业、金融业的发展。

  13. Internet Banking System Prototype

    CERN Document Server

    Alnaqeib, Rami; Jalab, Hamid A; Zaidan, M A; Hmood, Ali K

    2010-01-01

    Internet Banking System refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer or other intelligent device. Internet banking products and services can include detailed account information for corporate customers as well as account summery and transfer money. Ultimately, the products and services obtained through Internet Banking may mirror products and services offered through other bank delivery channels. In this paper, Internet Banking System Prototype has been proposed in order to illustrate the services which is provided by the Bank online services.

  14. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

    Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

  15. China industrial and commercial bank overseas acquisition’s strategy selection%中国工商银行海外并购的战略选择分析

    Institute of Scientific and Technical Information of China (English)

    姚浙莹; 赵无尘

    2012-01-01

    为了更好服务于迅速发展的中国企业国际化,中国商业银行的跨国经营十分紧迫,而海外并购是商业银行实现海外迅速扩张的首要战略。本文以中国工商银行海外并购为例,从业务选择、地域选择、目标选择三个方面的战略选择做了分析。研究结果显示,中国商业银行的海外并购在业务选择方面可考虑混业并购为主、横向并购为辅;在地域选择方面可优先选择香港,其次是政治稳定的东盟地区和非洲国家,再次是成熟市场经济的欧洲和北美地区的国家;在目标方的选择方面,偏好规模较小的本土化银行,选择曾有合作的交易伙伴,寻求业务互补和服务功能多元化。%In order to serve to fast development of Chinese enterprise internationalization better,Chinese commercial banks are badly in need of multinational operation and overseas M&A is their dominant strategy for overseas expanding.The paper takes Industrial and Commercial Bank of China Limited’ overseas M&A for example,analyzes the strategic choice in the aspects of business choice,terrain choice and target selection.The study shows as follows.Mixed M&A is dominant in business choice which assisted by horizontal merger.Hong Kong is the preference in terrain choice,secondly are ASEAN Regional Forum(ARF) of political stability,and then the Europe and North America of Mature market economy.As for the target selection,ICBC prefers small size local banks which ever cooperated with,to seek for business complementation and service and function diversification.

  16. Analyzing Factors Influencing Virtual Bank Acceptance as New Generation of e-Banking

    Directory of Open Access Journals (Sweden)

    Ali Sanayei

    2014-01-01

    Electronic banking is one of the electronic commerce tools that has been accepted by the banking industry. Development of electronic banking activities based on information and communication technology has caused the emergence of another type of bank, which is called virtual bank that performs its products and services through electronic distribution channels without branch. Due to the differences between virtual bank and electronic banking and the importance of virtual bank activities in the banking system, the aim of this study is to analyze factors influencing on acceptance of virtual bank in Iran. For this purpose, Technology Acceptance Model (TAM has been considered as the main model and in addition to perceived benefits and perceived ease of use, trust, government support and advertising have been also studied. An electronic questionnaire has been designed and the statistical population included Iranian electronic citizens that had received and completed the questionnaire via email in three months period. The results of analyzing 247 questionnaires imply that the perceived benefits, trust and government support have influence on acceptance of virtual bank. Also the effect of perceived ease of use on perceived benefits and trust is confirmed. Finally, some suggestions for future research have been presented.

  17. Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

    Directory of Open Access Journals (Sweden)

    Nafis Alam

    2010-08-01

    Full Text Available Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and teller interactions. Online banking has managed to provide customers the convenience, efficiency, effe ctiveness, and most importantly, the speed needed in today’s dynamic world. As more banks around the world are offering online banking to its customers, it is becoming a rather popular trend. Online banking is an asset both to the bank and the customer. However, countries like Sudan are yet to join the frenzy of this new innovation in an effective manner. This paper will investigate what are the challenges faced by Sudanese banks in implementing online banking.

  18. ICBC to Go Public in 2006 amid State Banks Listing Rush

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

      The Industrial and Commercial Bank of China (ICBC) Chair man Jiang Jianqing confirmed that the biggest state bank of China would sell shares to the public in 2006, following on the heels of the China Construction Bank and Bank of China in a market listing rush.……

  19. ICBC to Go Public in 2006 amid State Banks Listing Rush

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ The Industrial and Commercial Bank of China (ICBC) Chair man Jiang Jianqing confirmed that the biggest state bank of China would sell shares to the public in 2006, following on the heels of the China Construction Bank and Bank of China in a market listing rush.

  20. Total Factor Productivity Growth Research on Macau Banking Industry —Empirical Analysis Based on Malmquist-Luenberger Index%澳门银行业全要素生产率增长研究——基于Malmquist-Luenberger指数的实证分析

    Institute of Scientific and Technical Information of China (English)

    温炜琳; 宋宇

    2013-01-01

    The paper measures the total factor productivity of 19 commercial banks in Macau from 2006 to 2010 by making use of the Malmquist - Luenberger (ML) productivity index. The results show the average growth rate of Macau banking industry from 2006 to 2010 is 4. 0% , which is mainly due to the improvement of technological efficiency progress. Facing to the economic crisis, the bank with less total asset is more sensitive, and the bank with lager total asset might have a lag in technological efficiency change. Moreover, productivity growth of Macau banking industry is overestimated for 2% when excluding reserve. Reserve is confirmed by t - test that it has significantly effect on the productivity growth measure in Macau banking industry.%利用Malmquist-Luenberger (ML)指数测度2006-2010年澳门银行业生产率的增长情况,分析19家样本的银行全要数生产率跨期动态变化.结果显示,研究期间,澳门银行业全要数生产率的平均增长率为4.0%,主要源于效率进步的作用.面对金融危机时,总资产小的银行更敏感,总资产大的银行在技术效率变化方面出现滞后性.此外,当不考虑“坏”的产出时,澳门银行业全要素生产率的平均增长率比考虑时高出2个百分点.经过t检验证实备用金显著影响澳门银行业生产率增长水平测度的准确性.

  1. CUSTOMERS’ PREFERENCE FOR E – BANKING SERVICES: A CASE STUDY OF SELECTED BANKS IN SIERRA LEONE

    Directory of Open Access Journals (Sweden)

    R. A. GBADEYAN

    2011-08-01

    Full Text Available The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. There are some associated risks identified in the study that seem to hinder the success of e-banking services and thus constitute major concern to both financial institutions and customers. This paper therefore, examines, if customers’ choice of banks is influenced by the quality of e–banking services provided. Stratified sampling was used; while the survey Instrument was a developed Questionnaire comprising open ended and Likert type of questions. The Likert type questions have a 4 point scale (indicating 1 = very comfortable and 4 = uncomfortable divided into two (2 sections: personal details and customers’ e-banking preference in Sierra Leone. The instrument contained 36 items and was administered to about 400 respondents, while 360 completed and returned their Questionnaire. The statistical techniques used for the analysis were the Chi–Square and correlation. The Chi–Square analysis revealed that the quality of e–banking services offered by banks have significant influence on their customers at 95%, 3 degree of freedom. The paper recommends that various measures should be put in place to ensure more security such as installation of encrypted software, verification system of customer’s identification cards, frequent change of password, examining test questions and using mixed password such as the use of alphanumeric amongst others. The paper concludes that e –banking has become important phenomenon in

  2. Ethics Management in Banking and Finance

    NARCIS (Netherlands)

    de Bruin, Boudewijn; Morris, Nicholas; Vines, David

    2014-01-01

    This chapter discusses how the values which individuals hold will help to frame choices and so influence the choices that are made. If ethical issues in finance have limited ‘moral intensity’ in comparison to other industries, banks will more often than in other industries fail to recognise an ethic

  3. Ethical banking and finance : a theoretical and empirical framework for the cross-country and inter-bank analysis of efficiency, productivity, and financial performance

    OpenAIRE

    Abu-Alkheil, Ahmad

    2012-01-01

    Islamic banking is a growing worldwide phenomenon involving a variety of institutions and instruments. Previously, Islamic banks? transactions made up a small part of the total banking industry. Recently, Islamic banks have significantly expanded their network, and have been able to mobilize a large amount of funds and upgrade many economic ventures. Given the unique behavior of Islamic banks and their involvement in both social and economic activities, there has always been a question about ...

  4. An empirical study on empowering private bank workers using EFQM

    Directory of Open Access Journals (Sweden)

    Jafar Beikzad

    2012-01-01

    Full Text Available Empowering workers play an essential role on increasing productivity in any organization. The service industries such as insurance companies or banks mostly rely on their own people to retain their customers and incomes. The recent increasing trend on the number of private banks in Iran has increased competition among existing banks. The banking industry strives to empower its employees as much as possible in an attempt to maintain market share by not losing its customers. In this paper, we present an empirical study to detect the most important factors empowering bank employees. The study is implemented for a recently established private bank with 228 people with 32 questions where 15 questions are focused on empowering employees. The results are analyzed using statistical tests and descriptive methods. The results indicate that leadership, academic qualification, appropriate policy and strategy, cooperation and processes play important role on empowering and enabling bank's employee.

  5. An Evaluation of Bank Customer Satisfaction in Pakistan, Comparing Foreign and Islamic Banks

    Directory of Open Access Journals (Sweden)

    Haroon Rasheed

    2012-07-01

    Full Text Available Banks play the most important role in economic and financial system of any country by performing their core function of intermediation. Pakistani banking industry witnessed a no. of drastic changes since its inception after the establishment of country. The major historical developments include commercial bank establishment, nationalization, liberalization and privatization and privatization of banks. The most recent advances in this regard are start of Islamic banking system and introduction of foreign banks and use of modern Information Technology methods and tools. All these developments have resulted in focus of banking organizations turned towards Customer Satisfaction due to increased competition in the industry to increase and retain the number of customers. This study presents a comparative study of customer satisfaction taking foreign banks and Islamic banks as case. With the help of statistical methods like arithmetic mean calculation, Correlation, a positive relationship between customer satisfaction and factors has been found. The study results propose more emphasis on quality of customer service and product assortment and innovation to increase the level of customer satisfaction.

  6. Stock Market Development, Bank Concentration, Ownership Structure, and Bank Performance: Evidence from Turkey

    Directory of Open Access Journals (Sweden)

    Hasan AYAYDIN

    2014-09-01

    Full Text Available Abstract. Using the the Two-Step Generalized Method of Moments (GMM described by Arellano and Bond (1991 for dynamic panels, this paper analyzes the profitability of 25 commercial banks in Turkey over the period from 2003 to 2011.Our profitability determinants include bank-specific characteristics as well as industry-specific and macroeconomic factors, some of which have not been considered in previous studies. We conclude that the high bank profitability during these years is associated with a large percentage of loans in total assets, a low proportion of liquid asset, good efficiency and a low doubtful assets ratio. In addition, higher capital ratios also increase the bank’s return, but only when return on assets and return on equities is used as the profitability measure. We find evidence of economies of scale in the Turkish banking sector. Empirical results show that there is a negative relationship between financial development and profitability. We find also there is a positive relationship between bank concentration and bank performance in Turkish banking industry, consisting with the structure-conduct-performance (SCP hypothesis. The results also suggest that there is a negative relation between the foreign ownership and profitability, indicating that foreign banks do not in general make relatively higher profit, at least during the period under the consideration.Keywords: Banking profitability, Stock markets, Concentration, Ownership, Turkey, GMMJEL classification: G21, C32, E44.

  7. An Analysis of The Islamic and Conventional Banking Profitability in Palestine

    Directory of Open Access Journals (Sweden)

    Mohmad Tawfiq Abusharbeh

    2011-12-01

    Full Text Available Abstract: An Analysis of the Islamic and Conventional Banking Profitability in Palestine. The research paper examines the performance of profitability of Islamic banks against conventional banks for the period of 2005 to 2010. Two alternative measurements of banking profitability such as Return on Equity (ROE and Return on Assets (ROA are used to examine whether there is any differences of profit rate between Islamic, local and foreign conventional banks. The study concludes that Islamic banks generally provide the similar profit rate compared to local banks, however Islamic banks provide lower profit rate compared to foreign banks. Finally the findings also suggest that there is no statistical significant difference in mean return between the Islamic banks, local and foreign banks in Palestine. The study recommends the critical needs for Islamic regulation in order to improve the role of Islamic banking industry in Palestine.

  8. Financial Efficacy of Selected Public and Private Sector Banks in India

    Directory of Open Access Journals (Sweden)

    sakthivadivel Mylsamy

    2013-04-01

    Full Text Available The  banks in India have over 67,000 branches located across the country. All these are classified  into two major categories, non-scheduled banks and scheduled banks. Scheduled banks includes   commercial banks and the co-operative banks. The public sector banks are  accountable  for more than 78 percent of total banking industry in India. Even though private sector banks came later into the market, due to their customer servicing and easy banking features they are also competing equally with already existing public sector banks. so it is very essential to analyze how their financial performance is influenced by number of factors which will further suggest them where they need to concentrate more. in this article we have analyzed the correlation between return on total assets and other financial variables of selected private and public banks in India.

  9. The Study on the Influence of the Change from Business Tax to Value Added Tax on the Circulation Tax of the Banking Industry---Based on the Measurement of the Annual Report of Banks in Shanghai and Shenzhen Stock Markets%“营改增”对银行业流转税负的影响研究--基于沪深股市银行年报的测算

    Institute of Scientific and Technical Information of China (English)

    梁雁

    2015-01-01

    本文在对金融服务业征收增值税的研究文献进行系统性梳理的基础上,借鉴欧盟金融业征收增值税制度经验,从两个层面对我国银行业“营改增”对其流转税负的影响进行测算。研究显示,在不区分核心业务和非核心业务的假设下,银行业“营改增“的均衡税负率为6%左右;而在区分核心业务和非核心业务的假设下,银行业税负将大幅下降。基于上述结论,提出我国银行业“营改增”可暂按不区分核心业务和非核心业务的模式进行,随着银行业收入结构变化适时引入基本免税法。%On the basis of systematically reviewing the research literature on VAT of the financial service industry, learning from the experience of EU’s financial industry value-added tax system, from two layers, the paper measures the influence of China’s bank-ing industry on its circulation tax. The study shows that under the assumption that the core business and non-core businesses are not distinguished, the equilibrium tax rate of the change from business tax to value added tax is about 6%. While if the core business and non-core businesses are distinguished, the tax of the banking industry will fall sharply. Based on the above conclusion, the paper con-siders that at present, the change from business tax to value added tax can temporarily be carried out with the mode that the core busi-ness and non-core business are not distinguished. And according to the change of the banking industry structure, basic tax exemption can be timely introduced.

  10. Strengthening E - Banking security using Keystroke Dynamics

    Directory of Open Access Journals (Sweden)

    AHMAD KABIR USMAN

    2013-12-01

    Full Text Available This paper investigates keystroke dynamics and its possible use as a tool to prevent or detect fraud in the banking industry. Given that banks are constantly on the lookout for improved methods to address the menace of fraud, the paper sets out to review keystroke dynamics, its advantages, disadvantages and potential for improving the security of e-banking systems. This paper evaluates keystroke dynamics suitability of use for enhancing security in the banking sector. Results from the literature review found that keystroke dynamics can offer impressive accuracy rates for user identification. Lcosts of deployment and minimal change to users modus operandi make this technology an attractive investment for banks. The paper goes on to argue that although this behavioural biometric may not be suitable as a primary method of authentication, it can be used as a secondary or tertiary method to complement existing authentication systems.

  11. E- BANKING (BENEFITS AND CHALLENGES IN AN EMERGING ECONOMY

    Directory of Open Access Journals (Sweden)

    Lovedeep Singh Sidhu

    2015-10-01

    Full Text Available New Information technology has taken important place in future development of financial services, especially banking sector transition are affected more than any other financial provider groups. Increased use of mobile services and use of internet as new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a bunch of changes in almost all facets of life. In the Banking Industry, it has been in the form of E-banking, which is now replacing the traditional banking practice. E-banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. This paper discusses challenges in an emerging economy.

  12. Central bank Financial Independence

    OpenAIRE

    J.Ramon Martinez-Resano

    2004-01-01

    Central bank independence is a multifaceted institutional design. The financial component has been seldom analysed. This paper intends to set a comprehensive conceptual background for central bank financial independence. Quite often central banks are modelled as robot like maximizers of some goal. This perspective neglects the fact that central bank functions are inevitably deployed on its balance sheet and have effects on its income statement. A financially independent central bank exhibits ...

  13. Banking service in Germany

    Institute of Scientific and Technical Information of China (English)

    余璐

    2014-01-01

    <正>Germany is the prototypical economy country.Banks in Germany’s economic life plays a very important role.Germany has a large number of Banks and very dense network of bank branches.Deutsche Bank is by far the biggest German bank and Commerzbank is the second biggest.But with all the economic turmoil in the world these days,such rankings can change within

  14. The Chinese Banking System

    OpenAIRE

    2012-01-01

    The Chinese banking system is critical to the functioning of the Chinese economy, being the main conduit through which savings are allocated to investment opportunities. Banking activity in China has grown rapidly over the past decade in association with the expansion of the Chinese economy, and the Chinese banking system now includes some of the world’s largest banks. Chinese banks have become more commercially orientated over this period, although the Chinese Government retains considerable...

  15. Predicting Small Bank Failure

    OpenAIRE

    Heyliger, Wilton E.; Don P. Holdren

    1991-01-01

    There are many studies of bank performance and bank failure in the literature. Most of these studies used banking ratios as variables in their models without giving consideration to their appropriateness, nor was much consideration given to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank structure may differ by asset size. This study evaluates a large number of banking variables in order to identify stable ratios. These ratios ...

  16. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  17. State of Mobile Banking in Tanzania and Security Issues

    Directory of Open Access Journals (Sweden)

    Bossi Masamila

    2014-07-01

    Full Text Available Mobile technology offers an unprecedented growth op portunity for banking industry in Tanzania. As the economy continues to prosper, increasingly affluent consumers and underbanked segments create demand for new financial products and services. Many consu mers in Tanzania have mobile phones, but not bank accounts. Therefore, the mobile channel presents an effective way to connect them to the national fina ncial grid. For the local banks, going mobile may increas e banks opportunities to unlock the inherent potent ial of underbanked segments. This paper addresses the c urrent state, future prospects, and security challe nges to the usage of mobile banking in Tanzania.

  18. Data Analysis Trumps Specialist Advice: How Direct Banks Function

    Directory of Open Access Journals (Sweden)

    Skiera Bernd

    2016-11-01

    Full Text Available Low interest rates and sluggish economic growth are not exactly ideal conditions for the financial services industry. Almost daily we are confronted with reports of inadequate capital bases, declining earnings, and layoffs at banks. But while many traditional retail banks are struggling with a business downturn, the direct bank market is enjoying steady and respectable growth despite a challenging environment. Dr. Schmidberger, Fully Authorized Representative at ING-DiBa Germany, offers us a glimpse behind the curtains of this direct bank. We will learn how data technology is used so that bank customers are (more satisfied.

  19. "Shadow Banking: Policy Challenges for Central Banks"

    OpenAIRE

    Moe, Thorvald Grung

    2014-01-01

    Central banks responded with exceptional liquidity support during the financial crisis to prevent a systemic meltdown. They broadened their tool kit and extended liquidity support to nonbanks and key financial markets. Many want central banks to embrace this expanded role as "market maker of last resort" going forward. This would provide a liquidity backstop for systemically important markets and the shadow banking system that is deeply integrated with these markets. But how much liquidity su...

  20. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

    Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371

  1. How Continental Bank outsourced its "crown jewels.".

    Science.gov (United States)

    Huber, R L

    1993-01-01

    No industry relies more on information than banking does, yet Continental, one of America's largest banks, outsources its information technology. Why? Because that's the best way to service the customers that form the core of the bank's business, says vice chairman Dick Huber. In the late 1970s and early 1980s, Continental participated heavily with Penn Square Bank in energy investments. When falling energy prices burst Penn Square's bubble in 1982, Continental was stuck with more than $1 billion in bad loans. Eight years later when Dick Huber came on board, Continental was working hard to restore its once solid reputation. Executives had made many tough decisions already, altering the bank's focus from retail to business banking and laying off thousands of employees. Yet management still needed to cut costs and improve services to stay afloat. Regulators, investors, and analysts were watching every step. Continental executives, eager to focus on the bank's core mission of serving business customers, decided to outsource one after another in-house service--from cafeteria services to information technology. While conventional wisdom holds that banks must retain complete internal control of IT, Continental bucked this argument when it entered into a ten-year, multimillion-dollar contract with Integrated Systems Solutions Corporation. Continental is already reaping benefits from outsourcing IT. Most important, Continental staffers today focus on their true core competencies: intimate knowledge of customers' needs and relationships with customers.

  2. Technology Trust and E-Banking Adoption: The Mediating Effect of Customer Relationship Management Performance

    OpenAIRE

    Samsudin Wahab; Nor Azila Mohd Noor; Juhary Ali

    2012-01-01

    The electronic revolution in the Malaysian banking sector has started in the 1970's. The first visible form of electronic innovation in the Malaysian banking industry was the introduction of Automated Teller Machines in 1981. Finally, on June 1, 2000, the Malaysian Central Bank gave the green light for locally owned commercial banks to offer Internet banking services. Due to the drastic changes in the business environment, it leads financial institutions to revise their marketing strategies t...

  3. Back to basics: The current competitive strategy of HSBC Bank Canada

    OpenAIRE

    Sheppard, Christopher Patrick

    2007-01-01

    This paper analyzes HSBC Bank Canada’s current strategy for competing within the Canadian banking industry. HSBC Bank Canada has enjoyed considerable financial success over the past couple of decades. However, the overall direction of the industry is towards lower, interest-rate spreads and intensified competition. Many of the bank’s primary competitors are reducing costs through a variety of means, such as centralization and automation of processes. In order for HSBC Bank Canada to succeed i...

  4. Awareness of Electronic Banking System among Management Students in Pakistan

    Directory of Open Access Journals (Sweden)

    Zeeshan FAREED

    2014-06-01

    Full Text Available Electronic Banking is an essential sector of banking industry. E-banking services are gaining the attention of conventional bank’s customers rapidly. It has brought the revolutionary changes in the Pakistan banking industry in terms of customer and business perspectives. Electronic banking has got popularity in the developed as well as developing countries because it saves people time, reduces costs and people have access to all banking services on the click of a button. More often, the new innovated system allows the customers to touch their accounts at home using a mobile device or electronic terminals. This research paper focuses on growth and awareness of electronic banking among Management Students of the Okara, Pakistan. Questionnaire on 5 point Likert scale was developed to find the views of 200 respondents. Frequency distribution and correlation analysis were employed on data. The results revealed that 74% of the students are well aware about ATM and 82% of management students of our sample populations believe that e-banking is very convenient system of banking. 74% of the Management students feel secure when they have money in credit and debit card while 82% of the students prefer e-banking over traditional banking.

  5. E-Banking of Economical Prospects in Bangladesh

    Directory of Open Access Journals (Sweden)

    Mohammad Azizul Baten

    2010-08-01

    Full Text Available Now a day’s due to emerging global economy, e-commerce and e-business have increasingly become a necessary component of business strategy and a strong catalyst for economic development. The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. As a third-world developing country, Bangladesh is far behind to reach the expected level in global banking system. So it is our urgent need to upgrade its banking system. This paper is aimed at to determine economical prospects of e-banking and to explain the present scenario of banking sectors in Bangladesh and at the same time it demonstrates the scope and benefits of e-banking compared with the existing system. This paper also tries to present actual sit uation of e-banking in the marketing point of view in Bangladesh. The results of th is study shows that e-banking serves several advantages to Bangladeshi banking sector, however, the study also shows that the Bangladeshi customers have not enough knowledge regarding e-banking which is rendering by banking sector in Bangladesh. A discussion of the implications of these results and limitations are provided at the end.

  6. The Trust Industry Transformation and Upgrading Strategies based on the Commercial Bank Restructuring and Upgrading of the Road%从商业银行转型升级之路论信托业转型升级对策

    Institute of Scientific and Technical Information of China (English)

    王婷婷; 张欢

    2015-01-01

    With the economic downturn exerted pressure, the Pan-funded competition intensiifes tube era, continue to promote market-oriented interest rates, rapid development of internet banking, advantages trust industry rely on the traditional form of bonus system is being lost, proift margins continue to narrow, development into the bottleneck period, the trust industry is no network layout advantage of commercial banks, their way out of ifnancial theory and practice of China's workers struggle to finding answers.Objective analysis on China's trust industry in terms of the current opportunities and challenges, while beneifcial trust assets isolation play a natural advantage, using the internet to achieve development and transformation, on the other hand, the development of trust and face greater credit risk, interest rate risk, operational risks and legal risks.China's commercial banks to upgrade long-standing problem in the long process of exploration, has accumulated rich experience.Therefore, the way out the trust industry is to learn from the commercial banks to upgrade the successful experience with its own characteristics, to accelerate the pace of transformation and upgrading, and actively playing with brand-based, customer-centric professional wealth management institutions, vigorously carry out investment banking, asset securitization and family trust and other innovative services, strengthen the brand, talent building, realize their own transformation and upgrading.%随着经济下行压力陡增,泛资管时代竞争加剧,利率市场化的不断推进,互联网金融的快速发展,信托业传统的依靠制度红利形成的优势正

  7. Going Retail CITIC Bank is ready for an ambitious,consumer-oriented business expan sion after receiving an enormous capital infusion from its parent group

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Late last November, the CITIC Industrial Bank, a Beijing-based lender, stepped up its internal restructuring process after being given the green light from the China Banking Regulatory Commission (CBRC), the nation's banking watchdog, to change its name to China CITIC Bank. The "Industrial"

  8. Banking Postal Savings Bank in Sight

    Institute of Scientific and Technical Information of China (English)

    WANG PEI

    2006-01-01

    @@ Nine years of controversy regarding a national postal savings bank is expected to finally conclude this year. In April, the China Banking Regulatory Commission (CBRC)announced the establishment of a new department, one of the main functions of which will be to supervise postal savings.

  9. GenBank

    Data.gov (United States)

    U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

  10. FOREIGN BANKS WELCOMED

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Honoring its WTO commitments, China has begun to allow local incorporation by foreign banks, endowing them with the same status as their Chinese counterparts in an attempt to encourage diversified development in the Chinese banking sector On March 18, Wi

  11. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least......The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

  12. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

    at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective.......The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

  13. Audit of a bank

    OpenAIRE

    Ambros, Lukáš

    2012-01-01

    The goal of my thesis "Audit of a bank" is to identify and describe the area of external and internal audit in banking and to focus on specifics of bank audit in comparison to external audit of commercial enterprise. The first part is focused on audit of financial statements. In the second part are described the specifics of banking segment. Third part describes internal audit and cooperation between external and internal audit. In the last part there are described methods applied during the ...

  14. Time banking som ledelsesteknologi

    OpenAIRE

    Steensberg, Maja; Nielsen, Nadia Holm; Thomsen, Søren Tolshave

    2014-01-01

    This project examines how the English time banks Timber Wharf, Echo and Fair Shares affect their members and local environments. Based on Nikolas Rose’s theory on governmentality it is discussed, whether the time banks, understood as political actors, are challenging or reproducing neo-liberal governance. It is concluded that the way the time banks facilitates the concept of timebanking differs greatly. These different conducts are shaping the way in which the time banks are used by their mem...

  15. Essays on banking

    OpenAIRE

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations. The last chapter is joint work with Hans Degryse, Jose Liberti and Steven Ongena and studies how banks use ‘soft information’ to monitor small firms. This dissertation uses hand collected internal...

  16. An Experimental Validation of Public Cloud Mobile Banking

    Directory of Open Access Journals (Sweden)

    Olawande Daramola

    2014-06-01

    Full Text Available Currently, financial institutions incur huge expenditure to implement and maintain mobile banking (m-Banking solutions and this cost is bound to rise significantly, as more customers subscribe to m-Banking services. Cloud computing has potential to facilitate reduced cost, high scalability and a variable cost structure that could guarantee cheaper, reliable and sustainable m-Banking in the long term. While the adoption of organizational private clouds seems natural for banks because of the sensitive nature of banking transactions, some have argued for the adoption of public clouds as a better alternative, despite concerns on issues such as trust, security and privacy. However, there is lack of sufficient empirical evidence in the literature on the suitability of public clouds for m-Banking. Hence, this study presents an investigation of the use of public cloud for m-Banking. A prototype cloud-based m-Banking application was developed using a public platform-as-a-service (Paas cloud model, which was evaluated for usability and robustness in a controlled experiment. The evaluation result shows that m-Banking on public cloud is viable, if the cloud-based application is sufficiently robust and usable. The result also indicates that m-Banking services on public cloud are suitable for adoption by the banking industry.

  17. Essays on banking

    NARCIS (Netherlands)

    Mosk, T.C.

    2014-01-01

    This dissertation studies how banks collect and process information. The first chapter studies how the organizational structure of banks affects the processing of information. The second chapter studies how banks use private information collected over the lending relationship in credit negotiations.

  18. Easier Bank Access

    Institute of Scientific and Technical Information of China (English)

    Wang Jun

    2015-01-01

    Loosened banking regulations may spur an increase of foreign banks in China Foreign banks will soon have a much easier time setting up outlets in China.According to regulations recently amended by the State Council,as of January 1,foreign

  19. A BANK MANAGER SPEAKS

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    My name is Jane Carson and I'm the manager of savings bank in Portland,Oregon,My bank is open every day from8:30 in the moming until 4:00 in the aftermoon.On Fridays the bank remains oper until 6:30 in the evening.

  20. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

  1. Banking on Change

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    The opening up of China’s banking sector took another giant step forward on March 20 when the first four foreign banks gained approval to incorporate locally. After going through commercial registration formalities, the banks will be able to con- duc

  2. Banking and Trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2016-01-01

    We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

  3. Peran Lembaga Penjamin Simpanan Terhadap Klaim Dana Nasabah Bank Likuidasi

    Directory of Open Access Journals (Sweden)

    Yennie Agustina M.R.

    2014-06-01

    Full Text Available Lembaga Penjamin Simpanan merupakan penyempurnaan dari program penjaminan pemerintah terhadap seluruh kewajiban bank (blanket guarantee atas dana nasabah bank yang pernah diterapakan sebelum berlakunya Undang-Undang Nomor 24 Tahun 2004 tentang Lembaga Penjamin Simpanan (UU LPS. Fungsi utama dari lembaga ini adalah meningkatkan kepercayaan nasabah terhadap industri perbankan yaitu dengan adanya jaminan pengembalian dana yang disimpan serta turut serta memelihara stabilitas sistem perbankan sesuai kewenangannya. Keberadaan Lembaga Penjamin Simpanan merupakan bagian dari kelengkapan instrumen pemerintah dalam menciptakan jejaring pengaman perbankan (banking safety net dan pengaman sistem keuangan (financial safety net. Sebagai banking safety net dilakukan melakui program penjaminan dan penanganan bank gagal (bank yang dilikuidasi, sementara sebagai financial safety net diwujudkan dalam pemanfaatan surplus dan akumulasi premi.Kata Kunci : Peran Lembaga Penjamin Simpanan, Likuidasi Bank

  4. Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence

    Directory of Open Access Journals (Sweden)

    Abdul Kabeer Kazi

    2016-01-01

    Hyderabad of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

  5. Factors Influencing the Adoption of Internet Banking in Malaysia

    OpenAIRE

    Ahmed EM; Phin GS

    2016-01-01

    This study aims to look into the ways on how demographic characteristics, social factors, and consumer perceptions and attitudes towards internet banking influence the adoption of internet banking in an emerging economy like Malaysia. The study focused solely on the local and multinational banking industries in Malaysia and used questionnaire to obtain the relevant data. Implementation of the questionnaire was done by using the proportional stratified random sampling method, whereby questionn...

  6. THE IMPACT OF FINANCIAL LIBERALIZATION ON ROMANIAN BANKING SYSTEM EFFICIENCY

    Directory of Open Access Journals (Sweden)

    Ciupac-Ulici Maria-Lenuta

    2013-07-01

    Full Text Available In the last three decades, many emerging countries have moved away from a system of restrictive monetary and financial controls to a more liberalized financial sector. The restrictive imposed policies were expected to contribute to industrialization of the economy and to the stability of the banking sector. However, financial liberalization had big costs on the banking system's competitiveness and efficiency. Financial liberalization has a different impact on banking markets. Thus, there is no size that fits all policies concerning banking liberalization process. For highly efficient banks, competition is improving their efficiency standard, while less efficient banks can`t compete with foreign banks and further are decreasing in efficiency or are driven out of the market. Overall, the average efficiency of domestic banking markets should be an important variable in deciding to open up their banking market. Banks that are operating close to the frontier, in general are improving their efficiency following financial liberalization process. Banks that are operating in a further distance can`t manage to compete with foreign market entrants, so, they are losing from liberalization process. In this article we propose to measure the impact of financial liberalization process on Romanian banking system. We used the panel regression to study the informational efficiency of three Romanian banks during 2004 - 2012. The dependent variable of the model was the price of stock bank, and the independent variables were the financial indicators (return on equity, return on assets, net profit margin. In the second regression we introduce a dummy variable for crisis period. Our results show that the financial indicators choose do not affect the efficiency of Romanian bank, but the crisis had a negative impact on them. International context, credit risk, the implementation of Basel III and reducing exposures in the absence of investment alternatives remains key

  7. THE EVOLVING COMPETITIVE DYNAMICS IN THE RETAIL BANKING SECTOR IN INDIA: A CASE STUDY OF KARNATAKA BANK

    Directory of Open Access Journals (Sweden)

    Krishnakumar RAMANATHAN

    2016-08-01

    Full Text Available The banking industry in India is going through a unique competitive situation: on the one hand, the proliferation of new banks has increased competition multi-fold; on the other hand, given the rigid regulatory environment, banks have very little liberty to innovate products. The entry of multinational banking giants with superior service operations has further amplified the competition for customers. This paper examines the business performance of Karnataka bank during the period between 2006 and 2014 in order to bring home some of these challenges. Based on feedback from the branch managers, savings and current accounts - two classic banking products – suffered the most in the onslaught. Practicing managers as well as customers that we interviewed held that banking services in terms of customer experience ought to be improved and that various value added services could be introduced. Customers also expected reduced penalty for minimum balance and enhanced insurance cover for their accounts.

  8. LIQUIDITY ANALYSIS OF STATE BANK OF INDIA

    Directory of Open Access Journals (Sweden)

    Kumar Gandhi R

    2011-12-01

    Full Text Available Modern customer has a high demand for quality of service than he/she had before. There is an urgent need for improving the customer service levels currently provided in the banking industry. Banks need to understand, foresee, the needs and expected levels of customer support which the customer expects when he/she steps into the branch and strive to stand up and excel in providing the service and making banking a truly delightful experience. The banker should change his/her agenda from Customer Satisfaction to Customer delight and then march towards Customer Ecstasy. This will be possible by maintaining the financial soundness of the firm. In this connection it has been given importance through this study. Since most of the Banking slightly deviate into the other areas like insurance, financial services and modern banking services such as Advisory services, Agent for receivables, custodian, instant loan provider, Forfeiter services and factoring services. A conscious attempt has been made to analysis the liquidity of state bank of India (SBI. The present study aimed to understand the financial soundness of the bank, the ratio analysis taken as tool. In this research work the secondary data mainly used, it has been collected in the form of the company manuals, Balance sheets and other documents. The data analyzed by some of the statistical tools such as ANOVA test and Multi variate test is used to analyze the interferences about the operating efficiency.

  9. The profile of the internal auditor in the Romanian banking sector

    OpenAIRE

    Turlea, Eugeniu; Mihaela MOCANU

    2016-01-01

    Internal audit in the banking industry is one of the most debated topics nowadays. The paper’s objective is to examine the profile of the internal auditor in the banking industry of Romania. The research design is empirical in nature. The researchers use the development of job announcements for the position of internal auditor in the Romanian banking industry. The announcements are classified according to: language of the job announcement; geographical area of the emp...

  10. Internet Banking in Paki stan: Finding Complexities

    Directory of Open Access Journals (Sweden)

    Mohammed Ather Akhlaq

    2011-04-01

    Full Text Available Technology is evolving every new day and has its impact on every thing. In this paper we will analyze the acceptance of technology in the Banking Industry of Pakis t a n. This res earch investigates complexities (factors that have resisted or obstructed the adoption of Internet Banking in Pakistan. Traditional innovation diffusion model (IDT is used to develop the research model indicating the proposed complexities and acceptance of Internet Banking among Pakistani users. T he model is tested with a survey sample (n=45. Out of the nine complexities identi fied, six are found significant. The findings of the research signify that 67 % of the proposed complexities, Familiarity with the technology, Concerns for Download Speed, Unfriendly Website Design, Fear of Government tracking transactions, Security and People Gaining Access/Misusing, hinder the users in accepting and adopting internet banking technology in Pakistan

  11. Liquidity Determinants of Moroccan Banking Industry

    OpenAIRE

    FERROUHI, El Mehdi; LEHADIRI, Abderrassoul

    2013-01-01

    This paper analyzes the behavior of Moroccan bank’s liquidity during the period 2001 – 2012. The research aims to identify the determinants of Moroccan bank’s liquidity. We first evaluate Moroccan banks’ liquidity positions through different liquidity ratios to determine the effects of financial crisis on bank’s liquidity. We then highlight the effect of banks’ size on banks’ liquidity. Finally, we identify determinants of Moroccan bank’s liquidity using panel data regression. From results ob...

  12. German financial media's responsiveness to Deutsche Bank's cultural change

    NARCIS (Netherlands)

    Strauß, N.

    2015-01-01

    Based on first-order and second-order agenda building theory, this study analyzes the responsiveness of German financial media to frames of the "cultural change" proclaimed in the banking industry, exemplified by Deutsche Bank. Findings suggest a difference between the two major German financial med

  13. Determinants of Banking Credit Default in Indonesia: A Comparative Analysis

    Directory of Open Access Journals (Sweden)

    Muhammad Imaduddin

    2008-08-01

    implied that the level of Islamic banking’s R-squared, R-bar-squared and DW values are good. Therefore, although Islamic banking is relatively a new comer in the Indonesian banking industry, it has shown a good performance in the banking credit risk management and can compete head-on with conventional banking, respectively.Keywords: Islamic Banking, Conventional Banking, Indonesia, Credit Default, and Time-Series Analysis

  14. Enlightenment of Korea Credit Bank System for China Vocational Education Reform——Taking Guangdong Industry Technical College as an Example%浅析韩国学分银行特色管理对中国职教制度改革的启示——以广东轻工职业技术学院为例

    Institute of Scientific and Technical Information of China (English)

    王妍

    2015-01-01

    韩国学分银行是韩国政府为刺激全民终身学习所创立, 实施效果十分显著. 中国当今社会非常有必要也通过出台此类模式来促进全民终身学习. 受韩国学分银行启示, 设想广东轻工职业学院为拟定范围, 设立广东轻工职业技术学院学分银行, 并在此基础上可以进行的教学管理.%Credit bank system was found by South Korean government to stimulate all citizens for lifelong learning and it has achieved remarkable effects. In China, it is also necessary to introduce such kind of model to promote citizens' lifelong learning. Inspired by Korean credit bank system, it's assumed that the credit bank system could be designed and conducted in Guangdong Industry Technical College, and discussed the innovation of credit bank system and the way of teaching management based upon.

  15. Banking Competition Measurement and Banking Sector Performance: Analysis of 4 ASEAN Countries

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2017-02-01

    Full Text Available Many believe concentrated  banking industry which is dominated by few  big banks creates lower  competition, high profitability, and low efficiency. The main issue in empirical testing of this hypothesis is how to measure banking competition level. Traditional measures of competition are  concentration ratio and Herfindahl-Hirschman Index. This study uses three measures of banking level competition which are widely used in recent  financial literature: Boone Indicator, Lerner Index and H-Panzar-Rosse  statistics.  Lerner Index and H-Panzar-Rosse statistics resulted a similar competition level conclusion, while Boone Indicator produced slightly different output. Industry concentration produced opposing results with those three level of industry competition measurement methods. The results show  banking competition tend to be a monopolistic competition in ASEAN countries, especially in Indonesia which banks’ strategy basically were non-pricing strategy. Competition significantly caused lower profitability, while banking efficiency was not significantly affected by level of competition.DOI:  10.15408/sjie.v6i1.4547

  16. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

    The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure....... The FDIC's experience teaches us three important lessons: First, systemically important financial institutions need to have in their liability structure sufficient unsecured (or otherwise subordinated) term debt so that in the event of bank failure, the conversion of debt into equity will be sufficient...

  17. Banking System in Kyrgyz Republic

    OpenAIRE

    Sagbansu, Lutfu

    2006-01-01

    This paper examines the overall banking system and the basic banking system development factors such as internet banking and deposit insurance in the world and particularly in Kyrgyzstan. The analyses show that progress in banking reform, introduction of deposit insurance and internet banking concepts are essential for avoiding harmful problems, development stable and solvent banking system. These developments include the more effective regulation of the entry and exit of banks, removal of ob...

  18. UNINSURED DEPOSITOR RIGHTS PROTECTION IN BANK INSOLVENCY

    Directory of Open Access Journals (Sweden)

    Tomas Ambrasas

    2013-06-01

    unprofessional client in the context of insolvent Lithuanian bank “Snoras” typology. Another significant issue, analyses problematic aspects of the bank’s obligations, which are very specific in bank bankruptcy frameworks. Thus, bank insolvency affects not only public interest but private interests as well as. Customers' interests are also effected, for that reason, it is necessary to investigate the depositor rights protection area and the first question to consider is, what bank behavior is legally untolerated and unacceptable to depositor certificates holders in bank insolvency? The issue based on the fact that Lithuanian bank “Snoras” actively disseminated deposit certificates ex ante bank insolvency. So what happens ex post and is there any legal chances to treat deposit certificates as an insurance object with the compensation to depositors? The issue is relevant to Lithuania banks depositors, academic society as well as the jurisprudence of Lithuania. Originality/Value – Processes of bank insolvency are recurrent phenomenal. The banking industry has faced great legal and economic challenges in the last few years of financial crisis. Lithuania is not an exception. Two Lithuanian banks faced insolvency almost in a year. These cases require new legal viewpoint in the area of depositor rights protection and market discipline. Furthermore, due to the bank insolvency, not only public interests but the private interests as well as depositors are affected. Besides, recent new jurisprudence has formed in Lithuania courts, in the context of bank consumers (depositors - unskilled, unprofessional and unpracticed on occasion specific bank products (certificate of deposit – so it requires a new legal viewpoint in order to identify legal relations between secured and unsecured depositors. Keywords: Bank insolvency, bank, uninsured depositors, deposit, deposit certificates. Research type: research paper.

  19. Do Foreign Banks Lead in Internet Banking Services?

    Directory of Open Access Journals (Sweden)

    Kooi Guan CHEAH

    2005-01-01

    Full Text Available Internet banking has been increasingly used as a delivery channel in retail consumer banking. As far as the provision of internet banking services in developing countries is concerned, foreign banks definitely enjoy distinct advantages over domestic banks due to their experiences in other, more advanced financial markets. This paper reports a study that examined the levels of retail internet banking services provided by foreign and domestic commercial banks in Malaysia over a period of two years. The study found that while foreign banks are marginally more sophisticated at information provision level, domestic banks offer a significantly higher level of transactional facilities in both years.

  20. Informal value transfer systems and criminal organizations : A study into so-called underground banking networks

    NARCIS (Netherlands)

    Passas, N.

    1999-01-01

    This report presents the findings of a preliminary study into what is commonly called 'underground banking systems'. As the conventional banking industry is increasingly being regulated many fear that criminal organizations may turn to alternatives, such as underground banking systems - or informal

  1. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

    Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

  2. COMMERCIAL BANK LIQUIDITY MANAGEMENT

    OpenAIRE

    KOREKOV A.V.

    2015-01-01

    Bank liquidity management and optimal resource allocation of commercial bank Nostro accounts balances receive much less attention from the scientists compared to the questions on capital structure, funding, credit risk analysis and stress testing. Optimal liquidity management is a way to lower bank costs and risks, which are going to increase over time, especially when money markets are dry of free funds. There are two sides of the issue to be analyzed. The optimal resource allocation and cor...

  3. Bank Record Processing

    Science.gov (United States)

    1982-01-01

    Barnett Banks of Florida, Inc. operates 150 banking offices in 80 Florida cities. Banking offices have computerized systems for processing deposits or withdrawals in checking/savings accounts, and for handling commercial and installment loan transactions. In developing a network engineering design for the terminals used in record processing, an affiliate, Barnett Computing Company, used COSMIC's STATCOM program. This program provided a reliable network design tool and avoided the cost of developing new software.

  4. Authentication in Online Banking Systems through Quantum Cryptography

    Directory of Open Access Journals (Sweden)

    Anand Sharma

    2013-06-01

    Full Text Available The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. Growing international trading and problems in transferring money have motivated researchers to introduce a new structure. Online banking is the newest delivery channel for retail banking services. Online banking facilitated by various Electronic Commerce technologies, has helped commercial banks to stay competitive through productivity gains, transaction cost reduction and customer service improvement. Security for online banking has changed considerably during the relatively short period that online banking has been in use. In particular, authentication in the early implementations was, and sometimes still is, vulnerable to various attacks such as phishing. It is known that the quantum cryptography protocols are able to detect immediately any attempt to attack the key exchange and the authentication process. This paper presentsan introduction of online banking and quantum cryptography. In this paper we are proposing a model for authentication in online banking system with quantum cryptography.

  5. Concentration and Competition in the Banking Sector of Turkey

    Directory of Open Access Journals (Sweden)

    Iveta Řepková

    2014-05-01

    Full Text Available The paper estimates the competitive conditions and concentration in the Turkish banking industry during the period 2002-2010. The period starts after implementation of the comprehensive reform in the banking sector and lasts until culmination of the global financial crisis. The concentration ratio and the Herfindahl-Hirschman index are applied to measure level of concentration. We found the banking sector to be almost non-concentrated with exemption of deposit market where we revealed a slight concentration. However, there is a clear trend of increasing concentration at all segments of the Turkish banking sector over the analysed period. The Panzar-Rosse model is used for estimation of competitive conditions in the banking market. Specifically, we use a panel with data for most of the Turkish banks to estimate the H statistics. We concluded that the Turkish banking sector can be characterized as an industry with monopolistic competition that closely approaches monopoly. The results imply that banks in Turkey do not operate in a competitive environment and enjoy monopoly rents. Moreover, we revealed decreasing level of competition during the entire period of estimation. Such a market structure can pose a threat for efficient intermediation of funds through the banking sector and promoting of economic growth.

  6. The Impact of Deposit Insurance System on China’s Banking Industry---From an International Comparison Perspective%存款保险制度对我国银行业的影响--基于国际比较视角

    Institute of Scientific and Technical Information of China (English)

    卢文华; 段鸿济

    2015-01-01

    There are remarkable characteristics for the deposit insurance system in the United States, Britain, Japan and Germany, as for its form of organization, institution-establishing way, authorization mode and fund system.On March 31, 2015, the “Deposit Insurance Regulations” was opened to the public after years of deliberation, which marks the formal establishment of the deposit insurance system in China.Compared with the effect of deposit insur-ance system upon the banking sector in the four countries, the system which will come into effect on May 1, 2015 will make China’s banking industry face more opportunities and challenges.Drawing from the experiences in bank-ing industry development in these four countries, the paper proposes some countermeasures for China’s banking in-dustry in responding to the deposit insurance system.%美国、英国、日本及德国实施的存款保险制度在制度组织形式、保险机构组建方式、授权模式以及基金体系方面具有显著特征。2015年3月31日,酝酿多年的《存款保险条例》正式发布,这标志着我国存款保险制度正式建立。与四国存款保险制度对银行业的影响相比,即将于今年5月1日起施行的这一制度将使得我国银行业机遇与挑战并存,在借鉴四国银行业发展经验的基础上,提出了我国银行业在应对存款保险制度实施时应采取的策略。

  7. The Effective Mode and Countermeasures Research of the Capital Investment in the Banking Industry of Heilongjiang Province%民间资本投资黑龙江省银行业的有效模式及对策研究

    Institute of Scientific and Technical Information of China (English)

    任嘉嵩

    2015-01-01

    近十年来,民间资本在黑龙江省各领域的利用情况日趋增多,发展潜力大。金融市场的投资环境改善,使得黑龙江省对民间资本的需求日益扩大。黑龙江省银行业可通过参股、合资、独资新设和兼并收购四种可行性模式吸收民间资本,黑龙江银行业应健全相关法律法规,加大财政扶持倾斜力度,使民间资本合法有序、稳健顺畅地进入银行业;建立风险防控和组织管理机制、完善信用评估体系,使民间资本安全可控、益于公众;创新银行业务服务,优化金融文化环境,为民间资本开辟新天地,并使其获得长效发展,从而强化黑龙江省银行业融资结构,促进全省经济增长。%In the past ten years,private capital utilization in the field of Heilongjiang province each increasingly grow in quantity,development potential,improve investment environment,the financial markets makes the growing demand for private capital in Heilongjiang province. The banking industries in Heilongjiang province can absorb pri-vate capitals through four feasibility mode:equity participation,joint venture,new sole proprietorship,and mergers and acquisition. Heilongjiang banks should improve relevant laws and regulations,increase financial support,make private capitals legal and orderly,steady smoothly into the banking industries;establish risk prevention and control and organization management mechanism,improve credit evaluation system,make private capital safety and control-lable,beneficial to the public;innovate banking services,optimize the financial and cultural environment,open up new possibilities for private capitals,and make them obtain long-term development,then strengthen the financing structure of banking industries and promote the economic growth of Heilongjiang province.

  8. E-Business: Application of software and technology in selected Ethiopian banks - Issues and challenges

    Directory of Open Access Journals (Sweden)

    Bhaskar Reddy Muvva Vijay

    2011-11-01

    Full Text Available The application of software and technology is inevitable in the present competitive banking industry. Ethiopian banking system is one of the most underdeveloped compared to the rest of the world. In Ethiopia cash is still the most dominant medium of exchange and Electronic-banking is not well known, let alone used for transacting banking issues. The article tries to examine specific issues and challenges in Ethiopian banking system. The present study further highlights various selecting issues and service quality systems practiced in selected banks. Survey method is used to collect data from practicing managers of banking industry. It further analyzes the present obstacles and hindrances in improving and facilitating the present banking services with application of customize software and technology.

  9. Financial Independence of Central Bank through the Balance Sheet Prism

    Directory of Open Access Journals (Sweden)

    Ivanović Valentina

    2014-05-01

    Full Text Available The main reason for central bank independence lies in the fact that it is necessary to clearly distinguish spending money from the ability of making money. Independence of central banks is now a characteristic of almost all developed and highly industrialized countries. In this respect, it represents an essential part of the overall economic reality of these countries. Over the past decade or somewhat earlier, the issue of importance of central bank independence has been raised in developing countries, making the institutional, functional, personal and financial independence of central banks current topics for consideration. The key reason for the growing attention to financial independence of central banks is due to the effects of the global financial crisis on their balance sheets and therefore the challenges related to achieving the basic goals of the functioning of central banks - financial stability and price stability.

  10. The Determinants of Bank Profitability: The Case of Tunisia

    Directory of Open Access Journals (Sweden)

    Olfa Nessibi

    2016-01-01

    Full Text Available Using bank level data this paper examines how bank’s specific characteristics and macroeconomic indicators affect the profitability in the Tunisian banking industry over the period 1990–2008. The results indicate that the more profitable banks are those higher amount of capital and lower operating costs. Furthermore, it appears that private banks tend to perform better than state owned ones.  Despite the great importance given to the board of directors, it doesn't have a dominant role in the Tunisian commercial banks. Finally, turning to macroeconomic conditions and its impact on banks’ profitability, we find that the real interest rate has a positive effect on bank profitability.

  11. BASEL III IMPACT ON ROMANIAN BANKING SYSTEM PERFORMANCE

    Directory of Open Access Journals (Sweden)

    Mariana G. NEDELCU (BUNEA

    2014-04-01

    Full Text Available In the context of economic and financial crisis triggered in EU by autumn 2008, Romania's banking system like that in the other European countries, faced with the consequences of decreasing the standard of living the worsening of purchasing power (in terms of retail and with gaps and Delay occurred in the payment of corporate clients. However the deteriorating the quality of bank investments, increasing non-performing loans in bank portfolios totate ultimately causing the accumulation of excessive risks that banks were exposed. On the background of the crisis, the impact of Basel III is not only a financial regulation that is applicable to the banking industry and will fundamentally determine the profitability of the banking system. Through this study, we propose a series of measures applicable to the credit institutions to mitigate the impact of alignment with the new capital requirements.

  12. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

    This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

  13. Moderating Effects of Bank Ownership on the Relationship between Securitization Uptake and Financial Performance of Commercial Banks in Kenya

    Directory of Open Access Journals (Sweden)

    Paul Munene Muiruri

    2015-06-01

    Full Text Available Securitization is a process in which commercial banks can raise low-cost financing by assigning asset risks to investors’ appetite for risk. This has been one of the most dominant and fastest growing means of capital creation in the United States and the world over. After introduction of securitization, the banking industry in Kenya has recovered from a long period of poor performance. The aim of this study is to aim of study was to tests for the moderating effects of bank ownership on relationship between securitization uptake and financial performance of forty three commercial banks in Kenya, over a five-year period from 2009 to 2013. The researchers dominantly relied on secondary data from most recent annual published financial statements and banks supervision records at the Central Bank of Kenya. The data was complimented by use unstructured personal interview from 172 banks key officials; the mortgage, credit, risk and compliance and debt recovery who were identified by simple random sampling from each of 43 banks. The data were cross validated with information from secondary sources; five years annual published financial statements and bank supervision records at the Central Bank of Kenya so as to avoid premature conclusions. In line with the previous studies, the results indicate that the banks’ financial performance had been almost progressing over the operational periods considered for the study. The commendable performance in profitability of the banks was attributable to securitization uptake among banks. The study recommends banks to use securitization in ensuring they have adequate capital and bank managers to be allowed to invest their liquid assets so that can generate more income to boost their performance.

  14. Managing Customer Services Using GIS in Banks : A Case in Chinese Competitive Environment

    OpenAIRE

    Fu, Yang

    2007-01-01

    In recent years, Geographic information system (GIS) is becoming a useful tool for location related analysis and decision making. Linking huge data using space, as in a GIS, is a new way to help any bank understands better its data and its customers. China's banking industry opens to full foreign competition in 2006; banks in China have to focus on developing their strengths in the competition. Chinese local banks need to improve their abilities by providing high quality services and using in...

  15. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

    This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...

  16. Dual Banking Systems and Interest Rate Risk for Islamic Banks

    OpenAIRE

    Bacha, Obiyathulla I.

    2004-01-01

    In introducing Islamic banking in Malaysia, the basic strategy was to replicate the products/ services offered by conventional banks. The successful implementation of such a strategy has meant that Malaysia today has a truly dual banking system. Islamic banks in Malaysia not only have product similarity with conventional banks but share the same overall economic environment and a common customer base. The ability of non Muslim customers/depositors to switch between the two banking syste...

  17. Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  18. CATEGORIES AND TYPES OF BANKING INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    ION Gr. IONESCU

    2012-01-01

    Full Text Available "The market economy is a modern monetary economy (a money. Most trade is done by means money, money. All economic transactions are influenced in one way or another, money. Monetary Economics organic blends with real economy, affecting it in a positive or negative way, depending on the nature of prices and monetary measures" (Heyne, 1991, p. 8. Thus, customers choose based on their needs and will choose a particular bank, depending on the services and benefits. This criterion takes you a while, the banking industry developed according to demand. (Ionescu, 2009, Cap. I

  19. Impact Assessment of Bank Consolidation on the Performance of Commercial Banks in Nigeria

    Directory of Open Access Journals (Sweden)

    Edirin Jeroh

    2015-10-01

    Full Text Available This study focuses on an impact assessment of the consolidation exercise on the performance of commercial banks in Nigeria. While prior studies focused on the financial performance of banks (with emphasis on profitability, the main thrust of this study was on how the consolidation exercise had affected different areas of commercial banks in Nigeria other than profitability. Secondary data were sourced from the annual accounts and statistical bulletins of the CBN and SEC respectively for the relevant years. The data obtained were analysed by means of sensitivity analysis, in addition to the correlation and regression analyses. The results obtained show that the consolidation exercise had positive impact on the selected variables (Non Performing Loans, Liquidity Ratio, Bank Credit to Private Sector and Bank Capital To Asset Ratio for this study. Based on the above findings, we recommend among others that while efforts are made by the CBN to sustain the increased capital base of banks, a very sound corporate governance framework and effective risk management systems must be put in place to check the level of non-performing loans which seem to be predominant in the industry. The quality of bank credit to private sector and their recovery procedures should also be improved upon.

  20. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Employment and Training Administration PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail Bank West Chester, IL; Notice of Negative Determination Regarding Application... Assistance (TAA) applicable to workers and former workers of PNC Bank, National Association, Retail...

  1. EFISIENSI PERSAINGAN BANK UMUM SYARIAH: PENDEKATAN DATA ENVELOPMENT ANALYSIS (DEA DAN BOSTON CONSULTING GROUP (BCG

    Directory of Open Access Journals (Sweden)

    Rizqon Halal Syah Aji

    2015-10-01

    Full Text Available Islamic Banking industry in Indonesia has begun dynamic. Product availability and standardization of Islamic banking products, the level of understanding by the public of products of Islamic banks and human resources. Market share of Islamic Banking in Indonesia to lock everything. Recent data Directorate of Islamic Banking in 2011 reached Rp 127,19 T, assets of BPRS amounting to Rp 3.35 T, can be calculated total Islamic banking assets as of October 2011 reached Rp 130,5 T. Financing very important factor, Data Envelopment Analisys (DEA is a measuring instrument of financing. Map of the Bank's performance in the competition between banks can be analyzed by matrix BCG (Boston Consulting Group. This matrix is used to describe the difference between the position of the relative market share of the Bank.DOI: 10.15408/sjie.v3i1.2059

  2. Innovative strategies of bank

    Directory of Open Access Journals (Sweden)

    G.A Peresadko

    2012-03-01

    Full Text Available The article deals with the specifics of banking innovations, the global trends of innovative strategies in the banking sector was described, analyzed the necessary methodology for their implementation, proposed plan of innovative activities and its possible application in Ukraine.

  3. Destroy The Bank! (case)

    NARCIS (Netherlands)

    Star, G.J. Van der; Maas, A.

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the ba

  4. Essays in empirical banking

    NARCIS (Netherlands)

    Bai, Y.

    2015-01-01

    This dissertation consists of three essays on empirical banking. They study how do information and political activeness affect banks’ lending behavior, as well as the effect of lending relationship with banks on firms’ stock performance during interbank liquidity crunch. The first essay looks at a t

  5. Banking and trading

    NARCIS (Netherlands)

    Boot, A.W.A.; Ratnovski, L.

    2013-01-01

    We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital constrain

  6. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly el

  7. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  8. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the opt

  9. Foreign Funds for City Banks

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

    The rather straightforward restructuring of the Bank of Beijing became more arresting in January after Deutsche Bank was reported to be competing with its Dutch rival ING to purchase a stake in the local city commercial bank.

  10. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

    Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.

  11. The mathematics of banking and finance

    CERN Document Server

    Cox, Dennis

    2006-01-01

    Throughout banking, mathematical techniques are used. Some of these are within software products or models; mathematicians use others to analyse data. The current literature on the subject is either very basic or very advanced. The Mathematics of Banking offers an intermediate guide to the various techniques used in the industry, and a consideration of how each one should be approached. Written in a practical style, it will enable readers to quickly appreciate the purpose of the techniques and, through illustrations, see how they can be applied in practice. Coverage is extensive and includes techniques such as VaR analysis, Monte Carlo simulation, extreme value theory, variance and many others.A practical review of mathematical techniques needed in banking which does not expect a high level of mathematical competence from the reader

  12. The Effect of Mergers and Acquisitions on the Performance of Companies – The Greek Case of Ioniki-Laiki Bank and Pisteos Bank

    OpenAIRE

    2009-01-01

    This study investigates the merger effects of two banks. The merger took place in mid 1999s and the effect was the Alpha Bank. The research is performed in two parts. The first part investigates the merger in the short-term, while the second part investigates the long-term effects of the merger exploring the relative position of the Alpha bank within the industry. Results show a beta-risk value for the Alpha bank which is a reconciliation of the beta-risks coefficients of the two banks, and m...

  13. The harmonization of banking legislation in the EU

    Directory of Open Access Journals (Sweden)

    Shkëlqesa Çitaku

    2016-03-01

    Full Text Available This paper attempts to assess the current legislation of banking in the European Union. The process of unification in Europe is also followed by efforts to harmonize and unify the laws of the member states. In the field of banking industry the precondition for harmonization of laws is the integration of internal market with the free movement of capital. The regulation and supervision of banks in EU still remains fragmented. European member states still have diverse regulations concerning the role of the state. The European Commission has the important function of proposing EU legislation on financial services including banks and ensuring that EU law is properly applied throughout the EU. Banks are considered as a key industry enabling all the economic activities via depositing, crediting and arranging of payments. A number of secondary legislation has been adopted by the EU institutions to harmonize the national banking law of Member States. The principles and objectives set by the European Commission Treaty depend on four EU freedoms with the aim of effective and open market including banks. Therefore it was a continuous process of harmonization of national banking regulation via secondary law since the 70’s.

  14. Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks

    OpenAIRE

    Waeibrorheem Waemustafa; Suriani Sukri

    2015-01-01

    The study analyzes macroeconomic and bank specific determinants of credit risk in Islamic and Conventional Banks. Multivariate Regression analysis is applied on the sample of 15 conventional banks and 13 Islamic Banks in Malaysia over the period between 2000 and 2010. The finding shows that the banks specific determinants of credit risk are uniquely influenced the credit risk formation of Islamic and Conventional banks. The study found that risky sector financing; regulatory capital (REGCAP) ...

  15. GenBank

    Science.gov (United States)

    Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

    2017-01-01

    GenBank® (www.ncbi.nlm.nih.gov/genbank/) is a comprehensive database that contains publicly available nucleotide sequences for 370 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or the NCBI Submission Portal. GenBank staff assign accession numbers upon data receipt. Daily data exchange with the European Nucleotide Archive (ENA) and the DNA Data Bank of Japan (DDBJ) ensures worldwide coverage. GenBank is accessible through the NCBI Nucleotide database, which links to related information such as taxonomy, genomes, protein sequences and structures, and biomedical journal literature in PubMed. BLAST provides sequence similarity searches of GenBank and other sequence databases. Complete bimonthly releases and daily updates of the GenBank database are available by FTP. Recent updates include changes to policies regarding sequence identifiers, an improved 16S submission wizard, targeted loci studies, the ability to submit methylation and BioNano mapping files, and a database of anti-microbial resistance genes. PMID:27899564

  16. PERBANDINGAN PENGHASILAN TABUNGAN MUDHARABAH NASABAH BANK SYARIAH (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar)

    OpenAIRE

    ALIMULA, YULIANA

    2014-01-01

    2014 Perbandingan Penghasilan Tabungan Mudharabah Nasabah Bank Syariah (Studi Kasus pada Bank Syariah Mandiri, Bank Negara Indonesia Syariah, dan Bank Muamalat Indonesia di Makassar) Profit Sharing Comparison of Mudharabah Saving of Islamic Banking (A Case Study at Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Muamalat Indonesia in Makassar) Yuliana Alimula Alimuddin Muhammad Ashari Penelitian ini bertujuan un...

  17. The structure of boards of directors and firm performance in Finnish banking : focus on size and gender diversity

    OpenAIRE

    Sääksmäki, Kasimir

    2015-01-01

    Banking and financial services in general are much regulated industries worldwide and therefore it is important to find out how the composition of boards of directors affects firm performance. Banking and finance sector has a remarkable role in financing other industries and households, which makes it a powerful industry. The recent banking crises have shown the consequences of weak firm performance, which has led to more interest on different factors and predictors behind firm performance in...

  18. 银行业发展对应用型金融人才培养的影响与对策——以浙江省为例%On the Impact of Banking Industry Development on the Training of Applied Financial Talents and the Countermeasure——The Case of Zhejiang Province

    Institute of Scientific and Technical Information of China (English)

    王祝华

    2015-01-01

    The profound changes in financial industry directly influence on the training of applied financial talents in higher vocational education. On the basis of mastering the general development situation of financial industry, understanding the talent requirement trend of different types of banks and grasping the impact of banking industry on the training of applied financial talents, financial higher vocational education should keep the orientation of training applied financial talents towards grassroots, strengthen the cultivation of students' overall qualities, lay the foundation for students' sustainable development, keep abreast of the changing trends of financial industry, get ready for new positions and new businesses, and endeavor to run financial higher vocational education at undergraduate level.%金融行业的深刻变革直接影响到高等职业教育应用型金融人才的培养.在把握金融行业发展大势,了解不同类型银行的人才需求趋势,掌握银行业发展对应用型金融人才培养影响的基础上,金融类高等职业教育要坚持面向基层一线培养应用型金融人才的定位不动摇,要强化学生综合素质培养,为学生可持续发展奠定基础,要紧跟金融业发展变化趋势,为新岗位、新业务做好准备,还要努力提升学历层次,争取举办本科层次的金融高等职业教育.

  19. Historicism and Industry Emergence

    DEFF Research Database (Denmark)

    Kirsch, David; Moeen, Mahka; Wadhwani, Dan

    2014-01-01

    . In this chapter, an alternative approach is explored that focuses on reconstructing causes and processes that time and theory have erased. The emergence of three industries—plant biotechnology, savings banking, and the automobile—shows how time, along with prevailing functional models of industry evolution, leads...

  20. Bank selection and customers’ perception of banks in Malaysia

    OpenAIRE

    Norhazlin Ismail; Zarehan Selamat; Ong Hway Boon

    2004-01-01

    The process customers go through in choosing a bank has been studied for several decades using different approaches. Understanding the needs and analyzing how the customers select their banks are crucial steps towards the improvement of customer satisfaction. In this study, an attempt is made to identify the determinants of bank selection and customers’ perception of banks in Malaysia.

  1. Sensitivity of Czech Commercial Banks to a Run on Banks

    Directory of Open Access Journals (Sweden)

    Klepková Vodová Pavla

    2015-06-01

    Full Text Available The aim of this paper is to thoroughly evaluate the sensitivity of Czech commercial banks to a run on banks. Our sample includes a significant part of the Czech banking sector in the period 2006-2013. We use three liquidity ratios that we stress via a stress scenario simulating a run on banks accompanied by a 20% withdrawal rate of deposits.We measure the impact of the scenario by the relative changes of these ratios. The results show that, in spite of a decrease in liquidity, most Czech banks would be able to finance such a scenario. The financial crisis influenced bank sensitivity to a run, but with a significant time lag. The severity of the impact of the bank run increases with the size of the bank; large banks are the most vulnerable. The resilience of banks is also determined by their strategy for liquidity risk management.

  2. Customer Perception of Mobile Banking: An Empirical Study in National Capital Region Delhi

    Directory of Open Access Journals (Sweden)

    SHAMSHER SINGH

    2014-12-01

    Full Text Available Internet technology is regarded as the third wave of revolution after agricultural and industrial revolution. After phone and net banking, technology is heralding the era of mobile banking in India. The growth of Mobile banking is phenomenal compared to previous deliver channels. It took approximately twenty years for ATMs to become popular while online banking took a decade. More so, with India all set to emerge as the second largest mobile subscriber base in the world after China, the telecom operators and banks are raring to use this medium to offer banking services including fund transfers to all sorts of people. Mobile banking can be categorized as the latest advancement in electronic banking. This paper has examined the adoption and impact of mobile banking in on customer of different banks. The study surveys the opinion of 200 customers of banks located in Delhi. ANOVA and Factor Analysis have been used for having insights in the mobile banking services provided by the different banks. The population studied here is urban population which can be considered as representative of banking customers in Delhi.

  3. 基于心理契约的银行业知识型员工流失影响因素分析%Study on Influence Factor of the Knowledge Staff Turnover in Banking Industry Based on Psychology Contract

    Institute of Scientific and Technical Information of China (English)

    方炜; 侯泽宇

    2011-01-01

    以心理契约为视角,结合我国银行业发展现状及知识型员工的自身特点,将心理契约结构内容划分为保健因素维度、支持因素维度、激励因素维度和温情因素维度四个层面,建立了银行业知识型员工的流失影响因素模型,通过实证研究方法,对银行业知识型员工个体属性差异与心理契约实现程度之间的关系进行分析,为我国银行业知识型员工的流失控制提供一定的借鉴。%Based on the perspective of psychological contract, and combining with China' s banking development status and the characteristics d Knowledge Staff, will the psychological contract structure content into hygiene factom dimensions, support factors dimension, the incentive factors perception and warmth factors, establishes the dimension of the four aspects of the Knowledge Staff lost banking influence factors model, through empirical research method of banking Knowledge Staff, individual attribute differences and the psychological contract realization degree, analyses the relation between the time to our country banking Knowledge Staff turnover control offer some advice and assistance.

  4. A hybrid approach based on SERVQUAL and fuzzy TOPSIS for evaluating banking service quality

    Directory of Open Access Journals (Sweden)

    Mahdi Karimi

    2015-07-01

    Full Text Available Quality of services in banking industry plays essential role to make key decisions in banking industry. As customer awareness increases on the services offered by banks, expectations from service quality increases too. Presently, managers of banks use different financial factors such as deposits, credits, etc. to rank their banks. This paper uses SERVQUAL technique to measure customer satisfaction for 14 branches of a bank in city of Kermanshah, Iran. The study first statistically show that customer satisfaction is not the same for all these banks and then using analytical hierarchy process and The Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS ranks these branches using five components of SERVQUAL method; namely tangibles, reliability, assurance, responsiveness and empathy.

  5. Cord-Blood Banking

    Science.gov (United States)

    ... blood banks may capitalize on the fears of vulnerable new parents by providing misleading information about the statistics of stem cell transplants. Parents of children of ethnic or racial minorities, adopted children, or ...

  6. Environmental Data Bank

    Energy Technology Data Exchange (ETDEWEB)

    ,

    1962-06-01

    In an effort to determine the environment to which the equipment designed by Sandia Corporation will be exposed, a "Data Bank" of environmental information was compiled. Measured quantities resulting from actual uses were continually being summarized.

  7. Cord-Blood Banking

    Science.gov (United States)

    ... lymphoma , aplastic anemia , severe sickle cell disease , and severe combined immunodeficiency . There are two types of banks that store ... For Kids For Parents MORE ON THIS TOPIC Severe Combined Immunodeficiency Birthing Centers and Hospital Maternity Services A Guide ...

  8. Assessing efficiency in banking

    Directory of Open Access Journals (Sweden)

    Knežević Snežana

    2012-09-01

    Full Text Available The paper is an attempt to assess the productivity and efficiency on the basis of the information found in financial statements and operating evidence, as well as implementation of the DEA method. The definition of both input and output in banking is absolutely clear, however, an adequate analysis of efficiency in banking requires that the right combinations of input and output be selected Every company has its own principles to implement in its operations. One of the most important is surely the efficiency principle. Relevant academic literature offers various combinations of input and output in testing bank efficiency. The developing countries will find it highly important to monitor bank efficiency and compare it to the countries in the region.

  9. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  10. PROSPECTS OF FORMATION FINANCIAL-INDUSTRIAL GROUPS IN UZBEKISTAN

    OpenAIRE

    Jasurbek Ataniyazov

    2014-01-01

    In this article, we evaluated the possibilities of the formation of financial-industrial groups, with participation of commercial banks and revealed features and prospects of formation financial-industrial groups in Uzbekistan. For the implementation of investment potential and development of financial-industrial integration, crucial are relations between the credit-financial institutions, mainly the commercial banks, and the industrial enterprises. The financial-industrial groups can play im...

  11. Protein Circular Dichroism Data Bank (PCDDB): data bank and website design.

    Science.gov (United States)

    Whitmore, Lee; Janes, Robert W; Wallace, B A

    2006-06-01

    The Protein Circular Dichroism Data Bank (PCDDB) is a new deposition data bank for validated circular dichroism spectra of biomacromolecules. Its aim is to be a resource for the structural biology and bioinformatics communities, providing open access and archiving facilities for circular dichroism and synchrotron radiation circular dichroism spectra. It is named in parallel with the Protein Data Bank (PDB), a long-existing valuable reference data bank for protein crystal and NMR structures. In this article, we discuss the design of the data bank structure and the deposition website located at http://pcddb.cryst.bbk.ac.uk. Our aim is to produce a flexible and comprehensive archive, which enables user-friendly spectral deposition and searching. In the case of a protein whose crystal structure and sequence are known, the PCDDB entry will be linked to the appropriate PDB and sequence data bank files, respectively. It is anticipated that the PCDDB will provide a readily accessible biophysical catalogue of information on folded proteins that may be of value in structural genomics programs, for quality control and archiving in industrial and academic labs, as a resource for programs developing spectroscopic structural analysis methods, and in bioinformatics studies.

  12. Tax Responses in Platform Industries

    DEFF Research Database (Denmark)

    Kind, Hans Jarle; Köthenbürger, Marko; Schjelderup, Guttorm

    Two-sided platform firms serve distinct customer groups that are connected through interdependent demand, and include major businesses such as the media industry, banking, and the software industry. A well known result of tax incidence is that consumers of a more heavily taxed good pay a higher...

  13. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization.......In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...

  14. Opaqueness and Bank Risk Taking

    Directory of Open Access Journals (Sweden)

    Patrick Behr

    2012-12-01

    Full Text Available This paper investigates the relationship between opaqueness and bank risk taking. Using a sample of 199 banks from 38 countries over the period January 1996 to December 2006, I analyze whether more opaque banks are riskier than less opaque banks. I find suggestive evidence that commonly used proxies for bank opaqueness are significantly related to bank risk taking as measured by the Merton PD and the bank-individual Z-score, even after accounting for potential simultaneity between risk taking and opaqueness. More opaque banks seem to engage more in risk taking than less opaque banks. This result provides support to the common view that bank opaqueness is problematic and that transparency among financial institutions should be increased.

  15. Innovative financing: banks and energy conservation. Final report

    Energy Technology Data Exchange (ETDEWEB)

    1977-10-01

    This report describes the results of a project that examined what commercial banks could do on their own to encourage energy conservation in existing residences. The recommendations made herein reflect the present realities of both the commercial banking sector and the marketplace for energy conservation technology. These realities include three key points: (1) banks have limited intereat in promoting energy conservation; (2) the economics of their operations limit their opportunities for radical improvement in the terms that they can offer consumers; and (3) consumer demand for financing of energy conservation is derived, not primary. The report is organized in a question and answer format, including 10 questions dealing with observations about the marketplace for conservation programs; attitudes and operations; what banks are doing in energy conservation now; and finally issues relevant to the policymaker in DOE and in the banking industry. (MCW)

  16. Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence

    Directory of Open Access Journals (Sweden)

    Abdul Kabeer Kazi

    2013-07-01

    Full Text Available In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. For this purpose, Technology Acceptance Model (TAM was used, with additional determinants of perceived risk and social influence. We designed a questionnaire for this research; data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad of the province Sindh, in Pakistan. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive influence was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

  17. USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

    OpenAIRE

    ALIN ISAC

    2013-01-01

    Technology and applications of mobile phones offer many opportunities for businesses, they also presenting a continuous development and new challenges. Although this service is currently viewed with reluctance by customers, banks need to overcome this drawback and understand how this service can be combined with other alternative channels such as social media, to create value for customers. In this paper I presented information about present and perspectives in mobile applications industry, w...

  18. A REVIEW ON DATA MINING IN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Vikas Jayasree

    2013-01-01

    Full Text Available The banking industry has undergone various changes in the way they conduct the business and focus on modern technologies to compete the market. The banking industry has started realizing the importance of creating the knowledge base and its utilization for the benefits of the bank in the area of strategic planning to survive in the competitive market. In the modern era, the technologies are advanced and it facilitates to generate, capture and store data are increased enormously. Data is the most valuable asset, especially in financial industries. The value of this asset can be evaluated only if the organization can extract the valuable knowledge hidden in raw data. The increase in the huge volume of data as a part of day to day operations and through other internal and external sources, forces information technology industries to use technologies like data mining to transform knowledge from data. Data mining technology provides the facility to access the right information at the right time from huge volumes of raw data. Banking industries adopt the data mining technologies in various areas especially in customer segmentation and profitability, Predictions on Prices/Values of different investment products, money market business, fraudulent transaction detections, risk predictions, default prediction on pricing. It is a valuable tool which identifies potentially useful information from large amount of data, from which organization can gain a clear advantage over its competitors. This study shows the significance of data mining technologies and its advantages in the banking and financial sectors.

  19. What factors drive interest rate spread of commercial banks? Empirical evidence from Kenya

    Directory of Open Access Journals (Sweden)

    Maureen Were

    2014-12-01

    Full Text Available The paper empirically investigates the determinants of interest rate spread in Kenya's banking sector based on panel data analysis. The findings show that bank-specific factors play a significant role in the determination of interest rate spreads. These include bank size, credit risk as measured by non-performing loans to total loans ratio, return on average assets and operating costs, all of which positively influence interest rate spreads. On the other hand, higher bank liquidity ratio has a negative effect on the spreads. On average, big banks have higher spreads compared to small banks. The impact of macroeconomic factors such as real economic growth is insignificant. The effect of the monetary policy rate is positive but not highly significant. The results largely reflect the structure of the banking industry, in which a few big banks control a significant share of the market.

  20. Case Study of Online Banking in India: User Behaviors and Design Guidelines

    Science.gov (United States)

    Iyengar, Jhumkee; Belvalkar, Manisha

    This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users' outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. Design lessons suggest viewing online banking not just as a convenience alone anymore but beyond it, to provide service, simplicity and security. This will create satisfied online banking customers and therefore profitability for the bank.

  1. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

    Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

  2. Bank Diversification Effects on Bank Performance and Risk Profile of Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

    Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

  3. The Role and Efficiency of Internet Banking in Romania

    Directory of Open Access Journals (Sweden)

    Florin Marian BUHOCIU

    2009-01-01

    Full Text Available The electronic revolution in commerce is strongly affecting the performanceof the economies. Banking over the internet has attracted increasing attention over thepast several years from bankers and other financial services industry participants andthis is due to the rapid and significant growth in electronic commerce. The changes inbanking system become ever more tangible in the client-bank interface which issituated outside the traditional headquarters represented mainly by automatic tellermachines - ATMs.

  4. Factors Affecting Customer Retention Toward Internet Banking in Malaysia

    OpenAIRE

    Hishamuddin Bin Ismail; Mohammad Fateh Ali Khan Panni

    2009-01-01

    Information and communication technology (ICT) is not a strange medium anymore in business operation nowadays. Most businesses regardless of their industries try to equip themselves with the development of ICT. Polatoglu and Ekin (2001) viewed Internet banking as very attractive to banks and to consumers who have higher acceptance of new technology. The purpose of the study is to find out the extent of the effect of the customer demographics on the online customer retention of the internet ba...

  5. Comparative analyses of the banking environment in transition countries

    Directory of Open Access Journals (Sweden)

    Djalilov Khurshid

    2016-01-01

    Full Text Available This paper investigates the dynamics of the banking environment in early and late transition countries for the period 2000-2012. We consider macroeconomic, governance, economic freedom, financial depth, industrial, bankspecific, and CSR variables to compare the banking environment in transition countries. Our analyses show the presence of differences in the banking environment of two groups of transition countries: however, this gap shrunk over the period 2000-2012. The late transition countries have lower scores in the variables ‘Investment’ and ‘Financial freedom’, implying that in the future the governments of these countries may focus on improving the investment and financial climate.

  6. Service Quality in Banks: Insights from the Brazilian Experience

    Directory of Open Access Journals (Sweden)

    Jorge Luiz Henrique

    2005-12-01

    Full Text Available Quality in servicing customers is important for the industry. Nonetheless, problems in defining such constructs as service quality and customer satisfaction, along with difficulties in putting into operation current instruments to measure them, constitute constraints for practice and research. This paper presents a framework aimed at addressing the quality of banking services, framework which is based on customer perceptions surveyed by a consultant firm with 11,936 customers of a Brazilian bank. From the survey and the theoretical developments, five constructs driving the quality of banking services and customer satisfaction emerged: (1 relationship with the customer, (2 business and financial transactions, (3 information technology, (4 branch, and (5 image.

  7. Determinants of bank credit growth in Nigeria 1980-2010

    Directory of Open Access Journals (Sweden)

    A. Enisan Akinlo

    2015-02-01

    Full Text Available The paper analyses the dominant factors influencing bank credit to private sector in Nigeria over the period 1980-2010 using the error correction modeling technique. The results show that broad money, cyclical risk premium and liquidity ratio tend to increase credit to the private sector. However, prime lending rate and reserve ratio lead to a reduction in credit to the private sector. Private credit increases with inflation, but not one to one, meaning that inflation tends to dampen real bank credit to the private sector.  Key Words: credit growth, banking sector, industry, error correction model.

  8. Reflections on Boosting the Development of Domestic Letter of Credit in Chinese the Banking Industry%推进银行业国内信用证业务发展的思考

    Institute of Scientific and Technical Information of China (English)

    刘文峰

    2012-01-01

    Domestic Letter of Credit(L/C) refers to a document issued by L/C opening bank according to applicant's application,which provides a payment undertaking that satisfies the L/C terms.Domestic L/C,as a kind of clearing means,is a new invention of financial service to both banks and their clients and displays the evident advantages.However,it meets a slow development in China,which is a joint result of subjective and objective factors.The banks need to define their key marketing targets,pay close attention to risk avoidance and strengthen internal management if they intend to push the development of domestic letter of credit.%国内信用证是指开证行依照申请人申请开出的,凭符合信用证条款的单据支付的付款承诺,是一种结算工具,是一种金融业务创新,无论对客户还是银行而言,其都具有显而易见的优势。但是这种金融创新在我国的发展相对缓慢,这种情况的发生既有主观方面的原因也有客观方面的原因。银行业推进国内信用证业务的发展需要确定重点营销对象,重视风险防范,加强内部管理。

  9. Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

    Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

  10. A Granger Causality Test of Non-performing Loan Ratio Affect to the Banking Industry%不良贷款率对银行业影响的统计关系检验∗

    Institute of Scientific and Technical Information of China (English)

    彭建刚; 邹克; 张倚胜

    2015-01-01

    In the 5% level of significance,non-performing loan ratio exists a one-way granger causality relationship on capital gains rate,net interest margin,and capital adequacy;the deposit loan ratio,liquidi-ty ratio exists a one-way granger causality relationship on non-performing loan ratio;while the granger causality relationship of the provision coverage ratio and non-performing loan ratio are different in different lag.When the non-performing loan ratio rises,commercial banks should not choose a high loan interest rate loan project to achieve its business performance by taking more risk.In the controllable premise of systemic risk,regulators and central banks can implement counter-cyclical adjustment by increasing toler-ance selectively and appropriately,and allowing some commercial banks or business lines to adjust to the provision of capital standards to reduce its pro-cyclical.Commercial banks should pay more attention to the balance between profitability,liquidity,security,while handle the non-performing loan rate of increase ra-tionally.%在5%的显著性水平下,不良贷款率对资本利润率、净利差、资本充足率有单向格兰杰因果关系;而存贷比、流动性比率对不良贷款率有单向格兰杰因果关系;拨备覆盖率与不良贷款率在不同滞后期格兰杰因果关系不同。当不良贷款率上升时,商业银行不应通过承担更高的风险选择高贷款利率的贷款项目以实现其经营绩效;在系统性风险可控的前提下,监管部门和中央银行实施逆周期调整,可适当有选择性地提高容忍度,允许部分商业银行或业务条线调整对资本的计提标准,降低其顺周期性;商业银行应注重盈利性、流动性、安全性之间的平衡,理性对待不良贷款率上升。

  11. Ownership structure and profitability of the banking sector: The evidence from the SEE region

    Directory of Open Access Journals (Sweden)

    Mitja Čok

    2008-06-01

    Full Text Available The purpose of the paper is to investigate the relationship between bank ownership and bank profi tability in six South-Eastern European countries (SEE-6: Croatia, Bulgaria, Romania, Serbia, FYR Macedonia and Albania. Like in most other Eastern European countries the transition period in the selected set of six Balkan countries was characterised by a large infl ux of foreign investors, mostly Western European banks. As most of the authors emphasize the beneficial effects of foreign banks entry in developing Eastern European economies, it is still very little evidence on the impact of foreign owned banks on the profi tability in the banking industry in the SEE-6 region. Partly, these countries were included as a subset in some others, much broader studies, but the research performed specifically for this region is scarce. The empirical analysis is based on the available individual bank data provided by BankScope database. The profi tability indicators are selected following the recently published studies in the fi eld. In the fi rst part of the analysis the profitability differences between foreign owned and domestic banks are tested, whereas in the second part the bank level and country level determinants of specific profi tability indicators for foreign and domestic banks are detected, using the regression analysis. Results do not reveal any substantial statistically significant differences between profitability measures of domestic and foreign owned banks,while the econometric tests identify several factors that are clearly associated with bank profitability.

  12. The First Women Bank -- why and for whom?

    Science.gov (United States)

    Bilquees, F

    1991-01-01

    The First Women Bank with 10 branches in Pakistani cities was to have been modeled after the Grameen Bank of Bangladesh and serve the needs of very poor women. In fact, all but two branches are located in settings which are not available to the low income population and appear to cater to the needs of the wealthy. These contradictions between purpose and practice are examined in terms of the criteria for establishment of the bank and the operational strategy for bank clientele, deposit taking and credit services. Recommendations are provided. The original idea for the bank was proposed by the Finance Minister in a speech or a new Finance Minister established the women;s bank to be run by women in order to improve the socioeconomic status of women in Pakistan by offering traditional and nontraditional services. The gesture was political and not well though out. The clientele of the bank are not exclusively women. Operations are different than those which are available at other banks. The State Bank oversees operations and can always justify decisions. The bank is supposed to provide easy access to source of credit, a simplified procedure and equity requirements. Consulting and market analytical services are provided as are training facilities for women entrepreneurs. Artistic work and products from women's operations are exhibited and promoted through national and international and industrial exhibitions. In practice, the locations deter low income women from participation. Only 40% of the borrowers were identified as low income. Investment by poor women was primarily in small retail outlets. 40% were middle income and 20% were high income borrowers. The nontraditional services mandated were ignored. What actually exists is a commercial bank in the name of women.

  13. Quality Determinants of Independent Audits of Banks

    Directory of Open Access Journals (Sweden)

    José Alves Dantas

    2015-04-01

    Full Text Available Since DeAngelo's study (1981 on audit quality, the latter has been a topic well discussed in the international accounting literature; however, there is little evidence about audit quality in the financial market. In Brazil, studies on audit quality began only in the 2000s, although without a specific focus on banks. The purpose of this study was to identify the quality determinants of audit work in Brazilian banking institutions. Using the practice of earnings management as a proxy for audit quality - more specifically, the discretionary accruals related to the process of the constitution of the Loan Loss Provision (LLP - tests were performed based on the quarterly information of commercial and multipleservice banks and savings banks from 2001 to 2012. Empirical tests have shown that the quality of audit work has several types of relationships as follows: negative with the client importance level for the auditor; negative with the works after the sixth year of the contract; positive with the establishment of the Audit Committee by the banks; positive with the judgment of punitive administrative proceedings against independent auditors; and positive with the level of rigor of the regulatory environment. Of the tested hypotheses, three were not confirmed empirically. The first hypothesis predicted an association between audit quality and the auditor degree of specialization in the banking industry. The second hypothesis predicted that audit quality would be negatively correlated with the degree of concentration of audit activity within the National Financial System (Sistema Financeiro Nacional - SFN. The third hypothesis predicted that audit quality would be lower when the auditorclient relationship is of a short term. The results of the study contribute to the debate concerning the role of auditors in the transparency and solidity of the financial system, including their role as a complementary or auxiliary supervisor.

  14. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

    Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

  15. Factors Affecting the Financing Policy of Commercial Banks in Ethiopia

    Directory of Open Access Journals (Sweden)

    W/Michael Shibru

    2015-12-01

    Full Text Available Determining the optimal capital structure is one of the most fundamental policy decisions faced by financial managers. Since optimal debt ratio influences firm’s value, different firms determine capital structures at different levels to maximize the value of their firms. Thus, this study examines the relationship between leverage and firm specific (profitability, tangibility, growth, risk, size and liquidity determinants of capital structure decision, and the theories of capital structure that can explain the capital structure of banks in Ethiopia. In order to investigate these issues a mixed method research approach is utilized, by combining documentary analysis and in-depth interviews. More specifically, the study uses twelve years (2000 - 2011 data for eight banks in Ethiopia.   The findings show that profitability, size, tangibility and liquidity of the banks are important determinants of capital structure of banks in Ethiopia. However, growth and risk of banks are found to have no statistically significant impact on the capital structure of banks in Ethiopia. In addition, the results of the analysis indicate that pecking order theory is pertinent theory in Ethiopian banking industry, whereas there are little evidence to support static trade-off theory and the agency cost theory. Therefore, banks should give consideration to profitability, size, liquidity and tangibility when they determine their optimum capital structure.

  16. Factors Affecting the Financing Policy of Commercial Banks in Ethiopia

    Directory of Open Access Journals (Sweden)

    W/Michael Shibru

    2015-06-01

    Full Text Available Determining the optimal capital structure is one of the most fundamental policy decisions faced by financial managers. Since optimal debt ratio influences firm’s value, different firms determine capital structures at different levels to maximize the value of their firms. Thus, this study examines the relationship between leverage and firm specific (profitability, tangibility, growth, risk, size and liquidity determinants of capital structure decision, and the theories of capital structure that can explain the capital structure of banks in Ethiopia. In order to investigate these issues a mixed method research approach is utilized, by combining documentary analysis and in-depth interviews. More specifically, the study uses twelve years (2000 - 2011 data for eight banks in Ethiopia.   The findings show that profitability, size, tangibility and liquidity of the banks are important determinants of capital structure of banks in Ethiopia. However, growth and risk of banks are found to have no statistically significant impact on the capital structure of banks in Ethiopia. In addition, the results of the analysis indicate that pecking order theory is pertinent theory in Ethiopian banking industry, whereas there are little evidence to support static trade-off theory and the agency cost theory. Therefore, banks should give consideration to profitability, size, liquidity and tangibility when they determine their optimum capital structure.

  17. Impact of Electronic Banking Innovations on Bank Deposit Market Share

    Directory of Open Access Journals (Sweden)

    Kashmari A

    2016-04-01

    Full Text Available Development and diversity of electronic banking services is one of the aspects of financial innovation of banks. In Iran’s banking system, the development of multiple channels representing electronic banking services such as SWIFT system, ATM, POS, PIN pads, internet banking, mobile banking and telephone banking are made for more facility in paying money, so today, the development of this channels is one of the most competitive areas between banks for attracting resources. The main purpose of this study is to evaluate this innovation, which needs a heavy cost in terms of money and time, on the share of each bank in attracting deposit as one of the most important goals and competitive tools of a bank. By using Panel Data Vector Autoregressive methods (Panel-VAR and Granger causality test, data of 23 Iranian banks in the 7 years (2007-2013 has been studied. The results show that based on the Granger Causality Test, the number of ATM machines, POS, PIN pad, SWIFT system and amount of banking facilities provided by each bank, has causal relation in explaining the increase of the bank’s share in attracting deposits; but the Market Share was recognized as the cause of the innovation. Also, the causality direction of deposits’ share and the amount of facilities were noticed to be bilateral.

  18. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula.

  19. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  20. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks...

  1. ADOPSI INTERNET BANKING BAGI KEUNGGULAN PERFORMA PERBANKAN: SEBUAH STUDI PADA SEKTOR PERBANKAN DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Agung Sugiarto

    2012-03-01

    Full Text Available Penggunaan teknologi informasi dalam banyak aspek bisnis, telah mempengaruhi perkembangan teknologi informasi dalam beberapa tahun terakhir. Industri perbankan adalah salah satu yang telah mengadopsi teknologi informasi dalam bentuk internet banking. Adopsi tersebut bertujuan untuk memudahkan pelanggan untuk mengakses layanan perbankan dimanapun dan kapanpun. Penelitian ini mempunyai tujuan untuk mengetahui pengaruh adopsi internet banking pada kinerja perbankan (proksi dengan Rasio ROE. Penelitian ini menggunakan beberapa variabel kontrol yaitu: ukuran, likuiditas, struktur modal, risiko kredit, biaya operasional dan CAR. Hasilnya adalah bahwa: Ukuran, Struktur Permodalan dan CAR berpengaruh positif pada kinerja bank, sedangkan Risiko Kredit, Biaya Operasional dan Likuiditas memiliki efek negatif pada kinerja bank. The use of information technology in many business aspects has influenced the development of information technology since the past few years. The banking industry is the one that has adopted internet banking as one of the information techlology forms. The main aim of adoption is to make customer easier in accessing the banking service in everywhere and at anytime. The main objective of this research is to examine the effect of internet banking adoption on banking performance (proxied with ROE Ratio. This research has some control variables; they are size, liquidity, capital structure, credit risk, operational expense and CAR. The findings show that size, capital structure and CAR has positive effect on bank’s performance, while Credit Risk, Operational Expense and Liquidity has negative effect on bank’s performance.

  2. Institutional risk management, financial fragility and market structure in the banking firm: theories, regulation effects and international evidence

    OpenAIRE

    Ruiz Porras, Antonio

    2004-01-01

    We study the behaviour of banking intermediaries focusing on the joint relationships among risk management, fragility and the market structure. Theoretically, we use the industrial organisation approach to analyse the relationships between banking behaviour and risk management goals and between banking behaviour and regulation effects. We develop and calibrate models to study the monopolistic competition effects on banking stability and to study the effects of asset and liability uncertainty ...

  3. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  4. 12 CFR 209.2 - Banks desiring to become member banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Banks desiring to become member banks. 209.2 Section 209.2 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring...

  5. Indian Banking Sector towards a Sustainable Growth: A Paradigm Shift

    Directory of Open Access Journals (Sweden)

    Namita Rajput

    2013-01-01

    Full Text Available Many countries are changing their approach because of turbulence in environmental issues like weather shocks, climate change, cost of fossils and fuels to basic infrastructure and industrial planning, desire to design more sustainable, resilient pathways to economic growth and are taking Green steps. This environmental turbulence is not giving any corporate any option to initiate the green and sustainable practices rather it is the need of today. Banks can provide important leadership for the required economic renovation that will provide new opportunities for financing and investment policies as well as portfolio management for creation of a strong and successful low carbon economy. The main objective of this paper is to deeply understand how Indian banks are responding to environmental turbulence and to provide an overview of their action in view of green banking adoption, awareness, drivers, challenges and gaps etc by a structured questionnaire supported by secondary data and reports published .The results reveal that there is a small group of banks in India that are leading the sector in tackling climate change, mapping of carbon footprints internally and externally. Internationally, there are several initiatives underway but the response of Indian banks is tardy and sluggish especially in internationally consistent disclosures and environmental protocols, which not only can spur innovation but also helps in pinpointing risk and also generate opportunity. This trend is clearly exhibited in major international initiative UNEP FI there is no single Indian signatory and only eight Indian signatory in CDP-India including HDFC Bank Ltd, IDBI Bank Ltd, Induslnd Bank Ltd ,IDFC, Reliance Capital, State Bank of India, Tata Capital Ltd ,Yes Bank Ltd. Main reasons and challenges faced by Indian banks which are shown by factor analysis include 'Risk of failure of business to peers' and 'Lack of RBI mandates' as main barriers to adopting sustainability

  6. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

    Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks.Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

  7. An Exploratory Introduction towards Internet Banking English

    Directory of Open Access Journals (Sweden)

    Ricardo Casañ Pitarch

    2016-03-01

    Full Text Available The aim of research on language for specific purposes is to explain how particular forms of the language are used in any given context. Nowadays, banks need to offer their services and products via Internet in order to keep themselves competitive in the current globalized market, as it happens with any other industry or academic field. Therefore, research on specific language is necessary for any professional involved in that given particular area in order to understand and reproduce texts of the same nature. This paper introduces a bibliography review about the features that determine the language used by banks in their websites. This paper begins with the definitions of ‘bank’ and ‘banking’ and moves towards the principles of ‘Internet banking’, specifying some general and specific features of its particular language forms and most common uses. This introduction towards the language used by banks on the Internet is expected to be used as some basic guidelines for professionals interested in the field of banks and linguistics to deal with this variety of language for specific purposes.

  8. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

    ... voting shares of Bank of Anderson, National Association, Anderson, South Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South Carolina. B. Federal Reserve Bank...

  9. WTO Accession, Foreign Bank Entry, and the Productivity of Chinese Manufacturing Firms

    DEFF Research Database (Denmark)

    Lai, Tat-kei; Qian, Zhenjie; Wang, Luhang

    2016-01-01

    After China’s accession to the World Trade Organization (WTO) in December 2001, foreign banks are allowed to enter the Chinese banking market in phases. Using firm-level data from the National Bureau of Statistics of China which cover all state-owned and non state-owned manufacturing firms...... with sales over 5 million RMB, we examine the relationship between foreign bank entry and the industry-level productivity growth of China’s manufacturing sector. Our empirical results suggest that (a) on average, opening up a region for foreign bank entry has no impact on aggregate productivity growth, (b......) however, industries more dependent on external finance grow faster after a region is opened up for foreign bank entry, and (c) these results are due to changes in technical efficiency rather than reallocation. Overall, this paper provides new evidence on the relationship between banking market structure...

  10. NRAO Green Bank Telescope (GBT)

    Data.gov (United States)

    Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope, began observations in Green Bank, West Virginia in 2000and is a wonder...

  11. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  12. Banking Scandals Force Governance Issue

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ The spate of recent scandals in the banking sector again raises the question of whether corporate governance in banks has been improved to a degree whereby ESOP is a correct and timely consideration.

  13. QUALITY MANAGEMENT IN BANKING SYSTEM

    OpenAIRE

    2009-01-01

    Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  14. 我国证券业现状及建设国际一流投行的对策%Countermeasures to Construct First Top International Investment Bank and the Statue quo of Securities Industry in China

    Institute of Scientific and Technical Information of China (English)

    郭金冰

    2012-01-01

    As financial intermediaries, security plays important role in money supply and demand and optimizing allocation of resource. After total development more than 20 years, the innovation businesses have grown initially. However, meanwhile traditional businesses, facing furious homogenization competition, have been making profits without innovation. At the same time financial businesses confront a trend to be marginalized, having a great gap with international first top investment bank. Therefore, the security businesses have to construct core competition Reorganization, transition and being internationalized, to develop and be leading power, through M & investment bank.%证券业作为金融中介在现代市场经济发展中发挥着沟通资金供求,优化资源配置等重要作用。我国证券业经过20多年总体得到了很大发展,创新业务近年来有了初步发展,但传统业务面临激烈的同质化竞争,仍然没有摆脱靠天吃饭的传统盈利模式,同时在金融行业有被边缘化趋势,与国际先进投行有着较大差距。因此券商须构建核心竞争力,通过并购重组、转型创新和国际化来发展壮大,建设国际一流投行。

  15. Replacing America's Job Bank

    Science.gov (United States)

    Vollman, Jim

    2009-01-01

    The Job Central National Labor Exchange (www.jobcentral.com) has become the effective replacement for America's Job Bank with state workforce agencies and, increasingly, with community colleges throughout the country. The American Association of Community Colleges (AACC) has formed a partnership with Job Central to promote its use throughout the…

  16. UBS BANK INFORMATION

    CERN Multimedia

    UBS, CERN branch

    2002-01-01

    UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

  17. Banking on Diversity

    Science.gov (United States)

    Roach, Ronald

    2010-01-01

    Few organizations have as racially and culturally diverse a work force as the organizations that make up the World Bank Group. Of its 13,000 employees, nearly 60 percent of whom are located in downtown Washington, D.C., and the rest scattered across 160 offices around the globe, nearly every nation in the world is represented in the World Bank…

  18. Banking On People

    Science.gov (United States)

    Manpower, 1970

    1970-01-01

    In July 1968, the First National City Bank in New York (Citibank) received a government contract to train the disadvantaged by providing orientation, counseling, job related education, supervisor training, child care, transportation, and some medical and dental care. The Job Opportunities in the Business Sector Program (JOBS) stipulated pay of $70…

  19. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  20. Four Women Bank Directors

    Institute of Scientific and Technical Information of China (English)

    1995-01-01

    FOUR of the five directors of state banks in Beihai City in Guangxi Zhuang Autonomous Region are women. These women show that women are no longer only able to manage family finance, but they are able to take charge of the important responsibility for state finance. The mayor of Beihai City calls them the city’s outstanding financial affairs managers.

  1. Claude-Henri de Saint-Simon, Industrialism and Bankers

    OpenAIRE

    Franck YONNET

    2004-01-01

    Saint-Simon's political scheme is structured by the following problematic: banking organises society. But banking functions are different in the former "metaphysical and feudal system" and in the new "scientific and industrial system". This change is a clue which enables to redefme Saint-Simon's "industrialism": a centralised corporatism describes a non monetary economy which differs from traditional institutions.

  2. Innovative Secure Mobile Banking Services

    OpenAIRE

    Mousa T AL-Akhras; Rizik Al-Sayyed; Marwah Alian; Doaa Qwasmi

    2011-01-01

    Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking) describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywh...

  3. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  4. Do Central Banks Need Capital?

    OpenAIRE

    Peter Stella

    1997-01-01

    Central banks may operate perfectly well without capital as conventionally defined. A large negative net worth, however, is likely to compromise central bank independence and interfere with its ability to attain policy objectives. If society values an independent central bank capable of effectively implementing monetary policy, recapitalization may become essential. Proper accounting practice in determining central bank profit or loss and rules governing the transfer of the central bank’s ope...

  5. One Bank,Two Markets

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    The Agricultural Bank of China (ABC),the only non-listed bank among China’s"big four"state-owned commercial banks,is currently un- der the glare of the reform spotlight.This follows on the heals of Premier Wen Jiabao’s announcement during his government work report in March, that a shareholding system will be introduced in the bank and its role in serving agriculture,farmers and rural areas will remain unchanged.

  6. ANALISIS PENYALURAN DANA BANK SYARIAH

    OpenAIRE

    Siswati -

    2013-01-01

    Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Sertifikat Wadiah Bank Indonesia (SWBI), dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini ...

  7. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...

  8. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  9. Foreign Banks: Trends and Impact

    NARCIS (Netherlands)

    Claessens, S.; van Horen, N.

    2014-01-01

    Over the past two decades, foreign banks have become much more important in domestic financial intermediation, heightening the need to understand their behavior. We introduce a new, comprehensive database, made publicly available, on bank ownership (including the home country of foreign banks) for 5

  10. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The result

  11. Determinants of bank profitability: Evidence from the Greek banking sector

    Directory of Open Access Journals (Sweden)

    Alexiou Constantinos

    2009-01-01

    Full Text Available This paper investigates the effects of bank-specific and macroeconomic determinants of bank profitability, using an empirical framework that incorporates the traditional Structure-Conduct- Performance (SCP hypothesis. A panel data approach has been adopted and effectively applied to six Greek banks. The evidence generated suggests that for any consistent or systematic size the profitability relationship is relatively weak. Most of the bank-specific determinants were found to significantly affect bank profitability. A more ambiguous picture emerged when the macroeconomic factors were considered.

  12. CROSS-COUNTRY STUDY ON THE DETERMINANTS OF BANK FINANCIAL DISTRESS

    Directory of Open Access Journals (Sweden)

    Zhen-Jia-Liu

    2015-08-01

    Full Text Available Bank failures affect owners, employees, and customers, possibly causing large-scale economic distress. Thus, banks must evaluate operational risks and develop early warning systems. This study investigates bank failures in the Organization for Economic Co-operation and Development, the North America Free Trade Area (NAFTA, the Association of Southeast Asian Nations, the European Union, newly industrialized countries, the G20, and the G8. We use financial ratios to analyze and explore the appropriateness of prediction models. Results show that capital ratios, interest income compared to interest expenses, non-interest income compared to non-interest expenses, return on equity, and provisions for loan losses have significantly negative correlations with bank failure. However, loan ratios, non-performing loans, and fixed assets all have significantly positive correlations with bank failure. In addition, the accuracy of the logistic model for banks from NAFTA countries provides the best prediction accuracy regarding bank failure

  13. The Evolution and the Effects of Bank Lending and Arrears in Romania

    Directory of Open Access Journals (Sweden)

    Florina Oana VIRLANUTA

    2014-08-01

    Full Text Available During the early stages of the economic crisis that hit Romania, significant imbalances occurred in all industries. Its effects had a more dramatic impact in the banking system; especially concerning bank lending which was not only adversely affected by the crisis but it was the crisis itself. In this regard, we conducted an analysis of the credit system in Romania, the implications of non-performing loans on bank performance.

  14. Informal value transfer systems and criminal organizations: A study into so-called underground banking networks

    OpenAIRE

    Passas, N.

    1999-01-01

    This report presents the findings of a preliminary study into what is commonly called 'underground banking systems'. As the conventional banking industry is increasingly being regulated many fear that criminal organizations may turn to alternatives, such as underground banking systems - or informal value transfer systems (IVTS). The methods for this project consistes in a combination of archival, legal and historical analyses with unstructered interviews with regulators, law enforcement agent...

  15. Corporate governance v českých bankách

    OpenAIRE

    Jurigová, Milena

    2014-01-01

    The thesis is focused on currently very important topic of corporate governance in Czech banks. The recent financial crisis had a severe impact on the banking institutions which led to questioning the functions and efficiency of their corporate governance. The paper describes the most common models of corporate governance used in the world and theories that influenced them in the past. The Czech banking industry is strongly regulated due to its importance in the economy. Therefore the laws re...

  16. Foreign banks, profits and commercial credit extension in the United States

    OpenAIRE

    Philip Molyneux; Rama Seth

    1996-01-01

    This paper simultaneously models the determinants of foreign bank profitability and commercial credit extension in the United States between 11987 and 1991. Overall, the results indicate that supply-side factors such as capital strength, commercial and industrial loan growth, and assets composition were important factors in determining foreign banks' return-on-assets in the period under study. Capital strength stands out as being the most important factor influencing foreign bank return on sh...

  17. PENGARUH FAKTOR BAURAN PEMASARAN TERHADAP PERTIMBANGAN NASABAH MEMILIH BANK SYARIAH DI KOTA MEDAN

    Directory of Open Access Journals (Sweden)

    Firman - Yulianto K.

    2012-05-01

    Full Text Available ABSTRACT   The expansion of syari’ah bank in Indonesia recently can be concluded to have a significant development, it also take a large number of attention from the Indonesian goverment though Indonesian central Bank, Bank Indonesia in monitoring the development of syari’ah bank industry. Consumers behaviour toward syari’ah bank, which is shown by a variety respon. Consumer consideration in choosing syariah bank, has become a very interesting topics to be discuss in knowing the information on how far does Indonesian people interest with syari’ah bank and what kind of factors can affect  the community to deal with syari’ah bank by being the customer of syariah bank. One of the factors is marketing mix strategy which the company, syari’ah bank, has formulated. The purpose of this research is to analize the effect of marketing mix, which are product, price, promotion, place, people, process, and physical evidence, towards customer consideration in choosing syariah bank. And also to inform which the most dominant factor from the all seven factors to be consider by customer. The field research is the city, Medan, with population all of Medan’s syariah bank  individual customer, through, Bank Syariah Mandiri, Medan Branch Office; Bank Muamalat Indonesia, Medan Branch Office; BNI Syariah, Medan Branch Office, using purposive sampling method, with 100 number of respondents in finishing the survey. Hypothesis examination involves mutiple regression analysis. Result indicates only three of seven marketing mix factors, which are product, place, and people has significantly affect customer consideration in choosing syariah bank in Medan. The other four factors, price, promotion, process, and physical evidence does not significantly affect customer consideration. The one factor gives the most dominant consideration is the product.   Keywords: Syari’ah Bank, marketing mix

  18. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...... for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution...

  19. Automatic Power Factor Correction Using Capacitive Bank

    Directory of Open Access Journals (Sweden)

    Mr.Anant Kumar Tiwari,

    2014-02-01

    Full Text Available The power factor correction of electrical loads is a problem common to all industrial companies. Earlier the power factor correction was done by adjusting the capacitive bank manually [1]. The automated power factor corrector (APFC using capacitive load bank is helpful in providing the power factor correction. Proposed automated project involves measuring the power factor value from the load using microcontroller. The design of this auto-adjustable power factor correction is to ensure the entire power system always preserving unity power factor. The software and hardware required to implement the suggested automatic power factor correction scheme are explained and its operation is described. APFC thus helps us to decrease the time taken to correct the power factor which helps to increase the efficiency.

  20. Analytical Study on Internet Banking System

    CERN Document Server

    AlAbdullah, Fadhel S; Alnaqeib, Rami; Jalab, Hamid A; Zaidan, A A; Zaidan, B B

    2010-01-01

    The Internet era is a period in the information age in which communication and commerce via the Internet became a central focus for businesses, consumers, government, and the media. The Internet era also marks the convergence of the computer and communications industries and their associated services and products. Nowadays, the availability of the Internet make it widely used for everyday life. In order to led business to success, the business and specially the services should provide comfort use to its costumer. The bank system is one of the most important businesses who may use the website. The using for the web-based systems should contain special requirements to achieve the business goal. Since that the paper will present the functional and non-functional for the web-based banking system.

  1. The ISS Carcinogens Data Bank (BDC).

    Science.gov (United States)

    Binetti, Roberto; Ceccarelli, Federica; Costamagna, Francesca Marina; D'Angiolini, Antonella; Fabri, Alessandra; Ferri, Maurizio; Riva, Giovanni; Roazzi, Paolo; Trucchi, Daniela; Marcello, Ida

    2008-01-01

    The Data Bank on Carcinogens (Banca Dati Cancerogeni, BDC) is a factual data bank, available on the Istituto Superiore di Sanità website, aimed at supporting the risk management decision making of central and local administrators. It can also represent a valuable tool for industry. The available information on carcinogenicity evaluations/classifications produced by European Union and by other institutions (IARC, USEPA, NTP, CCTN) is presented in a concise form accompanied by bibliographic references enabling the users to consult the original sources and, in some cases, to be directly connected to the relevant website. The classifications carried out by each organization in accordance with its own criteria assign the examined agents to specific qualitative categories and do not include quantitative assessment. BDC intends to provide an easy tool for experts, researchers and risk managers dealing with carcinogenic agents.

  2. Are Chinese Banks Ready for Foreigners?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Banking reform is crucial to China, as banks dominate the country's financial system. The banking sector is dominated by four state-owned commercial banks-the ICBC, the CCB, the BOC, and the Agricultural Bank of China (ABC). The listing of the Bank of Communications (BOCOM), China's fifth

  3. 12 CFR 2.5 - Bank compensation.

    Science.gov (United States)

    2010-01-01

    ... the bank's loan customers. (b) Income derived from credit life insurance sales to loan customers may... seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Bank compensation. 2.5 Section 2.5 Banks...

  4. 12 CFR 204.121 - Bankers' banks.

    Science.gov (United States)

    2010-01-01

    ... Federal Home Loan Bank, or in the National Credit Union Administration Central Liquidity Facility if the... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Bankers' banks. 204.121 Section 204.121 Banks... REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) Interpretations § 204.121 Bankers' banks. (a)(1)...

  5. Nonprofit Human Milk Banking in the United States.

    Science.gov (United States)

    Updegrove, Kimberly

    2013-01-01

    Human milk, widely understood to be beneficial for infants, can be lifesaving for preterm neonates, especially in reducing the risk of necrotizing enterocolitis. Donor human milk (DHM) is an option when mothers are unable to provide milk or have an inadequate supply for their infants. Nonprofit donor human milk banks are established to provide safe, processed human milk from milk donated by healthy lactating mothers who have undergone a rigorous screening process. These milk banks, operating under the auspices of the Human Milk Banking Association of North America, obtain, process, and dispense human milk under strict guidelines set by the association. Increasing the supply of donor human milk to meet a dramatic increase in demand poses a significant challenge for nonprofit milk banks. Efforts to increase supply nationwide include education of providers, use of social media to engage potential donors, and outreach to news media. In parallel, milk banks are establishing regional depots to collect donations, and additional milk banks are being developed. This article describes the current nonprofit milk bank industry in the United States, its challenges, and its future prospects.

  6. Disaster Recovery Framework for Commercial Banks in Sri Lanka

    Directory of Open Access Journals (Sweden)

    Mueen Uddin

    2016-03-01

    Full Text Available The banking sector is the backbone of the entire financial economy of a country. In today’s globalized world, most organizations use online transaction processing systems for transferring money and doing business. Natural or man-made disasters can lead to data loss which in turn can cause millions of dollars of money lost. This study focuses on disaster recovery practices in commercial banks in Sri Lanka. From our preliminary findings, it was concluded that commercial banks only have ad-hoc disaster recovery standards and practices, as there is no standard framework available. Fourteen (14 banks were selected for data collection and relevant authorities were interviewed. The results were translated as qualitative observations to understand the best practices. Similarly, international standards, compliance requirements of the central bank, and existing researches were used to develop a disaster recovery practice framework. The proposed framework was then validated for its efficiency and usefulness among commercial banks and found to be acceptable by the banking industry.  

  7. Development of Crypto-Biometric E-Banking System

    Directory of Open Access Journals (Sweden)

    A.O. Afolabi

    2012-11-01

    Full Text Available The Internet has played a key role in changing how we interact with other people and how we do business today. As a result of the Internet, electronic commerce has emerged, allowing businesses to more effectively interact with their customers and other corporations inside and outside their industries. One industry that is using this new communication channel to reach its customers is the banking industry. The challenges that oppose electronic banking are the concerns of security and privacy of information. It is not enough for an e-banking system to just provide information to their customers but to provide it to the right customers and at the right time. This project focuses on developing a secured e-banking system using encryption and face recognition as the two levels of security mechanism since the username and password security mechanism are easily breached by mere guess work. This E-banking system was designed using MATLAB as well as face recognition and encryption.

  8. The Challenges of Basel III for Romanian Banking System

    Directory of Open Access Journals (Sweden)

    Anca Elena NUCU

    2011-12-01

    Full Text Available Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the impact of Basel III upon banking system in Romania is considered to be limited. The measures which credit institutions could take to mitigate the impact of alignment with the new standards are business model adjustment and balance sheet restructuring.

  9. Factors Influencing the Adoption of Internet Banking in Malaysia

    Directory of Open Access Journals (Sweden)

    Ahmed EM

    2016-04-01

    Full Text Available This study aims to look into the ways on how demographic characteristics, social factors, and consumer perceptions and attitudes towards internet banking influence the adoption of internet banking in an emerging economy like Malaysia. The study focused solely on the local and multinational banking industries in Malaysia and used questionnaire to obtain the relevant data. Implementation of the questionnaire was done by using the proportional stratified random sampling method, whereby questionnaires were distributed to the target population over the period of August to September 2014. Of the 300 questionnaires distributed 120 were returned complete and clean. Overall it was shown that social factors were strongly influence the adoption of internet banking in an emerging economy like Malaysia.

  10. Comparative Study on the Banking Performances at BCR ERSTE BANK, BRD – GSG and Raiffeisen Bank

    Directory of Open Access Journals (Sweden)

    Claudia MITITELU

    2014-11-01

    Full Text Available This paper aims to make a comparison between the performances of three banks in the banking system in Romania, considered the most representative but also to achieve their classifications and identify correlations between a number of used indicators and indicators expressing banking performance.

  11. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  12. Including Ethics in Banking and Finance Programs: Teaching "We Shouldn't Win at Any Cost"

    Science.gov (United States)

    Oates, Grainne; Dias, Roshanthi

    2016-01-01

    Purpose: The purpose of this paper is to identify whether ethics is incorporated into the curriculum in postgraduate banking and finance programmes. There is growing concern that moral failure preceded the global financial crisis with waves of ethical scandals overwhelming the global banking industry highlighting a lack of integrity. Consequently,…

  13. Did Oral Interventions by the Indonesian Central Bank Support the Rupiah?

    NARCIS (Netherlands)

    Sahminan, S.; de Haan, J.

    2013-01-01

    Most previous studies on the effectiveness of oral interventions (statements by officials in support of the exchange rate) focus on industrial countries. The present paper examines whether statements by Bank Indonesia officials (i.e. the central bank of Indonesia) during the period 20042007 have had

  14. Ranking the technical dimensions of e-banking service quality evaluation models using Analytical Hierarchy Process

    Directory of Open Access Journals (Sweden)

    NoorMohammad Yaghubi

    Full Text Available With the expansion of internet, delivering e-services are rapidly growing in the bank industry. Therefore improving e-service quality for delivering better services is one of the most important areas of activity for banks. One of the most important aspect ...

  15. Chalco and China Development Bank Signed Development-Oriented Financial Cooperation Agreement

    Institute of Scientific and Technical Information of China (English)

    2015-01-01

    On February 3,Chalco and the China Development Bank signed developmentoriented financial cooperation agreement in Beijing.According to the agreement,China Development Bank would provide gain credit fund in a form combining financing and talent to support Chalco"walking out",mixed ownership reform,and renovation of shanty town in old industrial zone,boost Chalco

  16. Variability Handling for Mobile Banking Apps on iOS and Android

    DEFF Research Database (Denmark)

    Jørgensen, Jens Bæk; Knudsen, Bjarne; Sloth, Lennert

    2016-01-01

    During the last four years, Mjølner Informatics has developed mobile banking apps for 11 different Danish banks on the two major platforms iOS and Android, in total 22 apps. We make two contributions with this industrial practice paper. In the first place, we describe the development of these apps...

  17. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati

    2013-03-01

    Full Text Available This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  18. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  19. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  20. ANALISIS PENYALURAN DANA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Siswati -

    2013-03-01

    Full Text Available Penelitian ini bertujuan untuk mendeskripsikan karakteristik Dana Pihak Ketiga (DPK, Non Performing Financing (NPF, Sertifikat Wadiah Bank Indonesia (SWBI, dan penyaluran dana Bank Syariah Mega Indonesia. Serta untuk menganalisis pengaruh DPK, NPF, dan bonus SWBI secara simultan maupun parsial terhadap penyaluran dana yang diberikan oleh Bank Syariah Mega Indonesia. Sampel dalam penelitian ini adalah laporan keuangan bulanan Bank Syariah Mega Indonesia tahun 2005-2007. Hasil penelitan ini menunjukkan bahwa DPK, NPF, dan Bonus SWBI berpengaruh secara simultan terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia sebesar 99,2% dan sisanya 0,8%  dipengaruhi oleh faktor lain yang tidak diungkap dalam penelitian ini. Secara parsial DPK berpengaruh positif dan signifikan terhadap penyaluran dana Bank Syariah Mega Indonesia sebesar 98,65%, sedangkan NPF dan Bonus SWBI tidak signifikan berpengaruh secara parsial terhadap penyaluran dana yang dilakukan oleh Bank Syariah Mega Indonesia.This study aims to describe the characteristics of Third Party Funds (TPF, Non-Performing Financing (NPF, Bank Indonesia Certificates Wadiah (SWBI, and funds Islamic Bank Mega Indonesia. Moreover to analyze the influence of DPK, NPF, and the bonus SWBI simultaneously or partially on the distribution of funds provided by the Bank Syariah Mega Indonesia. The sample in this study is the monthly financial report of Bank Syariah Mega Indonesia in 2005-2007. The results of this research showed that DPK, NPF, and Bonus SWBI simultaneous effect on the distribution of funds committed by Bank Syariah Mega Indonesia at 99.2% and the remaining 0.8% influenced by other factors that are not revealed in this study. DPK is partially positive and significant effect on the distribution of funds Bank Syariah Mega Indonesia at 98.65%, while the NPF and Bonus SWBI insignificant effect on the partial distribution of funds committed by Bank Syariah Mega Indonesia.

  1. Banking on Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Timothy Rice

    2015-10-01

    Full Text Available This exploratory study set out to understand the true value of Corporate Social Responsibility (CSR in the banking sector. Businesses, including banks, actively participate in CSR but the question of value still persists. What does the bank receive in return for participating in CSR? Do banks get more customers as a result of their CSR programmes? Do banks have a better customer retention rate because of their CSR programme? Will customers change banks purely because they disagree with their banks CSR programme? These were some of the issues addressed but due to the small sample size, the findings cannot be generalised. The study did not find any significant, positive nor negative relationship, between CSR and the bank customers; meaning the tests could not provide evidence that for instance CSR programmes should be targeted towards female customers or customers of a certain age or income bracket. More importantly 80% of the respondents did not consider CSR an issue that was important enough to affect their choice of banks. They will not switch banks purely based on a bank’s CSR programme. Understandably they were more interested in bank fees and interest rates. These issues directly affected their reason for choosing a particular bank. So the question of why banks, and presumably other businesses, still participate and spend a lot of money on CSR when their customers do not seem to place much value on it, still persists. The findings suggest that a much larger study on the topic is warranted. It will aid banks and other businesses decide on their role in corporate social responsibility. Whose needs are being satisfied by participating in CSR?

  2. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....

  3. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other so...... for effective resolution or irresistible incentives through capital charges, it would be best obtained through addition to the EU’s Proposed Structural Measures Regulation now under consideration....

  4. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...

  5. Virtual blood bank.

    Science.gov (United States)

    Wong, Kit Fai

    2011-01-24

    Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  6. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

    Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  7. Analysis of regional banks' efforts to promote energy conservation among commercial customers. Task II

    Energy Technology Data Exchange (ETDEWEB)

    1979-10-30

    The study approach explored the hypothesis that regional banks can play an important role in disseminating energy conservation information to their commercial/industrial customers. The four phases of the study are described in detail. (MCW)

  8. The Outer Banks of North Carolina

    Science.gov (United States)

    Dolan, Robert; Lins, Harry; Smith, Jodi Jones

    2016-12-27

    The Outer Banks of North Carolina are excellent examples of the nearly 300 barrier islands rimming the Atlantic and Gulf coasts of the United States. These low, sandy islands are among the most dynamic natural landscapes occupied by man. Beach sands move offshore, onshore, and along the shore in the direction of the prevailing longshore currents. In this way, sandy coasts continuously adjust to different tide, wave, and current conditions and to rising sea level that causes the islands to migrate landward.Despite such changes, barrier islands are of considerable environmental importance. The Outer Banks are home to diverse natural ecosystems that are adapted to the harsh coastal environment. Native species tend to be robust and many are specifically adapted to withstand salt spray, periodic saltwater flooding, and the islands’ well-drained sandy soil. The Outer Banks provide an important stopover for birds on the Atlantic flyway, and many species inhabit the islands year round. In addition, Outer Banks beaches provide an important nesting habitat for five endangered or threatened sea turtle species.European explorers discovered North Carolina’s barrier islands in the 16th century, although the islands were not permanently settled until the middle 17th century. By the early 19th century, shipbuilding and lumber industries were among the most successful, until forest resources were depleted. Commercial fishing eventually followed, and it expanded considerably after the Civil War. By the Great Depression, however, little industry existed on the Outer Banks. In response to the effects of a severe hurricane in 1933, the National Park Service and the Civilian Conservation Corps proposed a massive sand-fixation program to stabilize the moving sand and prevent storm waves from sweeping across the entire width of some sections of the islands. Between 1933 and 1940, this program constructed sand fencing on 185 kilometers (115 miles) of beach and planted grass seedlings

  9. Grameen Bank`s experience with energy related microenterprise development

    Energy Technology Data Exchange (ETDEWEB)

    Barua, D.C.

    1997-12-01

    Increased population and growth of industry have resulted in greater demand for energy worldwide. Most of this energy is derived from fossil fuel (coal, gas, oil and nuclear) which will soon be depleted. In this context the need for developing renewable sources of energy has taken on a greater sense of importance and urgency. Over the years significant technological advances have been made in the area of renewable energies especially in the field of solar photovoltaics (PV), wind energy and bio-gas technology. In addition, for remote rural areas where there exists no infrastructure for conventional energy supply, these forms of decentralized alternative energy systems will be far more adaptable and well suited. Grameen Shakti (Energy) is an addition to the family of companies of Grameen Bank, to promote and supply renewable energy sources to rural households. GS, a not-for-profit company, expects not only to supply renewable energy services, but also to create employment and income generation opportunities in rural Bangladesh. GS will focus on supply, marketing, sales, testing and development of renewable energy systems of solar pv, biogas, wind turbines and windpumps.

  10. ANALISIS PENGARUH FAKTOR BAURAN PEMASARAN TERHADAP PERTIMBANGAN NASABAH DALAM MEMILIH BANK SYARIAH DI KOTA MEDAN

    Directory of Open Access Journals (Sweden)

    Firman - Yulianto K

    2012-05-01

    Full Text Available ABSTRACT   The expansion of syari’ah bank in Indonesia recently can be concluded to have a significant development, it also take a large number of attention from the Indonesian goverment though Indonesian central Bank, Bank Indonesia in monitoring the development of syari’ah bank industry. Consumers behaviour toward syari’ah bank, which is shown by a variety respon. Consumer consideration in choosing syariah bank, has become a very interesting topics to be discuss in knowing the information on how far does Indonesian people interest with syari’ah bank and what kind of factors can affect  the community to deal with syari’ah bank by being the customer of syariah bank. One of the factors is marketing mix strategy which the company, syari’ah bank, has formulated. The purpose of this research is to analize the effect of marketing mix, which are product, price, promotion, place, people, process, and physical evidence, towards customer consideration in choosing syariah bank. And also to inform which the most dominant factor from the all seven factors to be consider by customer. The field research is the city, Medan, with population all of Medan’s syariah bank  individual customer, through, Bank Syariah Mandiri, Medan Branch Office; Bank Muamalat Indonesia, Medan Branch Office; BNI Syariah, Medan Branch Office, using purposive sampling method, with 100 number of respondents in finishing the survey. Hypothesis examination involves mutiple regression analysis. Result indicates only three of seven marketing mix factors, which are product, place, and people has significantly affect customer consideration in choosing syariah bank in Medan. The other four factors, price, promotion, process, and physical evidence does not significantly affect customer consideration. The one factor gives the most dominant consideration is the product.   Keywords: marketing mix factors, customer consideration

  11. The Effects of Macro Economic Factors to Banking Sector Returns: Borsa Istanbul Cas e

    Directory of Open Access Journals (Sweden)

    Gökhan Özkul

    2015-12-01

    Full Text Available Today, technological and scientific developments impact the banking sector and enhance the commercial, as well as financial functionality of the banking sector. Improvement of this functionality caused a gradual increase in the banks’ profits; as a result of which, the bank profits now has become more crucial for the market. The cruciality is a result of the fact that banking sector’s revenues do not concern the bank owners and partners only; the revenues also concern the investors that trade stocks of the banks. This paper discusses the macro economical factors that have certain impact on the bank revenues, to which more importance has been attached for recent years. This paper takes basis BIST Top 10 Bank Return Index monthly data between January 2010 and July 2014. The macro economic factors that have impact on bank returns are handled through multiple linear regression model. The analysis finds that BIST Top 100 Return Index has positive impact on BIST Top 10 bank return index, whereas money supply (M1, industrial production index and export unit value index has negative impact on BIST Top 10 Bank Return Index

  12. The Managerialization of Banking: From Blueprint to Reality

    NARCIS (Netherlands)

    Westerhuis, Gerarda; Kipping, Matthias

    2014-01-01

    This paper shows how banks in the USA and Western Europe became more managerial during the late 1960s and 1970s, due to the adoption of a multidivisional organizational structure, originally pioneered by industrial enterprises in the 1920s. This meant the introduction of a more elaborate hierarchy w

  13. IBM announces global Grid computing solutions for banking, financial markets

    CERN Multimedia

    2003-01-01

    "IBM has announced a series of Grid projects around the world as part of its Grid computing program. They include IBM new Grid-based product offerings with business intelligence software provider SAS and other partners that address the computer-intensive needs of the banking and financial markets industry (1 page)."

  14. Banking on Solar: New Opportunities for Lending (Fact Sheet)

    Energy Technology Data Exchange (ETDEWEB)

    2014-08-01

    The U.S. solar industry is a $13.7 billion market with roughly 450,000 systems in place. Bank and credit union lending for solar system deployment represents a valuable new opportunity for lenders to expand their consumer and commercial customer relationships, bring on new relationships and open a new asset class category.

  15. 世界银行贷款小规模肉牛发展项目对河北省肉牛产业贡献问题研究——基于产业微笑曲线角度%Research on the Contribution of World Bank Loan to Small-scale Beef Cattle Development Project on Beef Cattle Industry in Hebei Province

    Institute of Scientific and Technical Information of China (English)

    崔玉姝; 尉京红; 张存彦

    2011-01-01

    Combining with the performance evaluation work of small-scale development project loaned from Ministry of Finance, International Department of World Bank, and based on the perspective of smile curve for the industry, this paper analyzed the contribution of World Bank loans to small-scale development project on the beef cattle industry in Hebei Province from three aspects, namely, research & development organization building, production capacity and market -building. Those provided a reference for China's agriculture in taking advantages of the foreign capital project to promote industrial development.%结合财政部国际司世行贷款小规模发展项目绩效评价工作,以微笑产业曲线为视角,从研发机构建设、生产能力和市场构建3方面分析了世行小规模贷款发展项目对河北省肉牛产业的贡献,为我国农业利用外资项目促进产业发展提供了借鉴.

  16. MOBILE BANKING AND SUSTAINABLE GROWTH

    Directory of Open Access Journals (Sweden)

    Atul Srivastava

    2013-01-01

    Full Text Available The paper discusses about awareness of mobile banking services and their possible contribution towards sustainable growth. This study attempts to look into the issues regarding mobile banking services and their possible contribution in financial inclusion in India. With the help of this study author tries to focus those areas where banks can provide these mobile banking services. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion. For a successful financial inclusion i.e., inclusive growth, in this era, combination of both the services i.e., banking as well as mobile is very much required. Mobile banking which can be termed as virtual banking can do wonders for the economy, because these days growth in economy is possible with the help of financial inclusion and in current scenario, statistics reveals that it is very easy with the help of mobile banking. This study has been done in two phases. First phase discusses about awareness of M-banking services and Second phase discusses about possible contribution of mobile banking towards financial inclusion. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. In fact including rural subscribers in the banking net can help in inclusive growth, as it not very difficult to go for a mobile phone rather than going for a computer in rural areas. This service can do wonders if implemented effectively and sincerely. If any service is provided, there are always two sides, supply side and demand side. M-banking in India, as assessed by the govt. can work as a potent tool for financial inclusion, is yet to clear many hurdles before it can fulfill its objective of reaching the unbanked population. If this service is adopted in a positive manner it can drastically change the scenario of Financial Inclusion.

  17. Umbilical cord blood banks. Ethical aspects. Public versus private banks.

    Science.gov (United States)

    Aznar Lucea, Justo

    2012-01-01

    The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

  18. MANAGING DISRUPTIVE TECHNOLOGY — INTERNET BANKING VENTURES FOR TRADITIONAL BANKS

    OpenAIRE

    Stephen K. Callaway; Hamilton, Robert D.

    2008-01-01

    This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks. Specifically, this empirical study uses a stratified sample of the FDIC database to address how perception of the technology and the environmental context (knowledge of cause-effect relations and crystallized outcome standards) impact internal and external constituency relationships (including social ...

  19. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution....

  20. Customer perceptions on Internet banking information protection

    OpenAIRE

    André Redlinghuis; Chris Rensleigh

    2010-01-01

    Background: South Africa has a well-developed and established banking system which compares favourably with those in many developed countries (e.g. USA), but also sets South Africa apart from many other emerging market countries like Egypt and Brazil. Four dominant banks, namely the Amalgamated Banks of South Africa (ABSA), Standard Bank, Nedcor and First National Bank (FNB) influence the South African banking environment. Internet banking has slowly been taking off in South Africa since 1996...

  1. [The German Environmental Specimen Bank].

    Science.gov (United States)

    Schröter-Kermani, Christa; Gies, Andreas; Kolossa-Gehring, Marike

    2016-03-01

    The main objective of the German Environmental Specimen Bank (ESB) is the long-term storage of environmental and human samples under stable deep-freeze conditions for future research. The ESB is unique in providing a continuous historical record of environmental and human exposure to chemicals in Germany. ESB was started parallel to the development of the first German Chemicals Legislation in the late 1970s. In 1979, the ESB test operation began. After the Chemicals Law came into force in 1982, the ESB was established as a permanent facility in 1985. With the new European Chemicals Legislation, REACH, in 2007 responsibility for the safety of commercial chemicals and risk assessment was assigned to the industry. Since then, the ESB has become even more important in verifying the self-assessment of the industry, in evaluating the effectiveness of regulations, thus ensuring the protection of humans and the environment against adverse effects caused by exposure to chemicals. These objectives are pursued by the regular monitoring of contaminations and the assessment of temporal trends. Demonstrating the necessity of deriving exposure reduction measures, ESB results serve as key information for policy-makers. Information on preventing exposure to chemicals is available to the general public and to the public health services. The ESB is thus an important monitoring instrument of the Federal Ministry for the Environment, Nature Conservation, Building and Nuclear Safety. The Federal Environment Agency operates the ESB based on its own concepts, heads the scientific data evaluation and transfers results into the environmental policy arena and to the general public.

  2. Factors Influencing the Profitability of Listed Indonesian Commercial Banks Before and During Financial Global Crisis

    Directory of Open Access Journals (Sweden)

    Menur Agustini

    2012-01-01

    Full Text Available  As a country with bank-based economy, stability and soundness of its banking industry are cru-cial matters for Indonesia especially in dealing with the crisis period, such as financial global crisis which occurred in 2008. Considering the crucial impact of the crisis, this study aims to examine de-terminants of bank profitability (as the measurement of stability and soundness of banking industry before and during the crisis period. Using the Generalized Method of Moment (GMM, this study analyzes the profitability of listed commercial banks using unbalanced panel data over the period of 2002-2009. To investigate the impact of recent financial global crisis, this study uses time dummy variable to separate the pre-crisis period (2002-2006 and during the crisis period (2007-2009. Findings of this study show that in the pre-crisis period, bank-specific factors i.e. lagged profitability, bank size, bank capitalization, and diversification and external factors which are inflation and stock market-based financial development statistically and significantly affect bank's profitability. Further-more, the crisis is proven to have significant impact on the effect of inflation and stock market-based financial development toward bank profitability. Whereas, through the general model which is not separate the pre and during crisis periods, this study shows that bank-specific factors such as lagged profitability, bank size, and bank capitalization are proven to have significant effects on bank profit-ability while external factors that also have effects are bank-based financial development and bank concentration. ";} // -->activate javascript

  3. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  4. Islamic Banking and Economic Growth —

    Directory of Open Access Journals (Sweden)

    Mosab I. Tabash

    2014-09-01

    Full Text Available This paper explores empirically the relationship between the development of Islamic finance system and economic growth and its direction in Qatar. Using econometric analysis, annually time-series data of economic growth and Islamic banks’ financing from 1990 to 2008 were used. We use Islamic banks’ financing funds given by Islamic banks as a proxy for the development of Islamic finance system and Gross Domestic Product (GDP, and Gross Fixed Capital Formation (GFCF as proxies for real economic growth. For the analysis, the unit root test, cointegration test and Granger causality tests were done. The empirical results generally signify that in the long run, Islamic banks’ financing is positive and significantly correlated with economic growth in Qatar which reinforces the idea that a well-functioning banking system promotes economic growth. Furthermore, the results show that Islamic banks’ financing has contributed to the increase of investment in the long term and in a positive way in Qatar. It is one of the first pioneering studies on Islamic Banking and economic growth in Qatar, and the first to be conducted in Middle East as well, thus it has a significant contribution to the body of knowledge The findings of research will be of interest to western and Islamic finance practitioners, policy makers and academicians, who are interested in Islamic finance industry.

  5. 77 FR 64115 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-18

    ... From the Federal Register Online via the Government Publishing Office FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Banking Corporation, and thereby indirectly acquire voting shares of Security State Bank, both in...

  6. 76 FR 2383 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-01-13

    ... Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants... Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors...: 1. SG-BBC, LLC, and The Stephens Group, LLC, both of Little Rock, Arkansas; to acquire voting...

  7. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  8. The Promotion of Banking Services

    OpenAIRE

    IVAN Rica

    2012-01-01

    The purpose of the scientific approach is to demonstrate the usefulness of the adoption of modern promotion techniques in the actual financialbanking sector, in addition to the classical techniques. To achieve this end, the investigation of the Romanianfinancial-banking sector has been deeply conducted, by evaluating the market relations existing between the financial and banking institutions and individuals, as well as promotional techniques adopted by banks, during the communication process...

  9. PROSPECTS OF FORMATION FINANCIAL-INDUSTRIAL GROUPS IN UZBEKISTAN

    Directory of Open Access Journals (Sweden)

    Jasurbek Ataniyazov

    2014-04-01

    Full Text Available In this article, we evaluated the possibilities of the formation of financial-industrial groups, with participation of commercial banks and revealed features and prospects of formation financial-industrial groups in Uzbekistan. For the implementation of investment potential and development of financial-industrial integration, crucial are relations between the credit-financial institutions, mainly the commercial banks, and the industrial enterprises. The financial-industrial groups can play important role in spurring the investments in the real sector of the economy. The financial-industrial can become a basis for improved stability of national economy and for creation of favourable conditions in the development of the real sector.

  10. GenBank

    OpenAIRE

    Burks, Christian; Cassidy, Maxxwell; Cinkosky, Michael J.; Cumella, Karen E.; Gilna, Paul; Hayden, Jamie E.-D.; Keen, Gifford M.; Kelley, Tom A.; Kelly, Michael; Kristofferson, David; Ryals, Julie

    1991-01-01

    The GenBank nucleotide sequence database now contains sequence data and associated annotation corresponding to 56,000,000 nucleotides in 45,000 entries. The input stream of data coming into the database has largely been shifted to direct submissions from the scientific community on electronic media. The data have been installed in a relational database management system and are made available in this form through on-line access, and through various network and off-line computer-readable media...

  11. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  12. INFORMATION AND COMMUNICATION TECHNOLOGY AND BANKS PROFITABILITY IN NIGERIA.

    Directory of Open Access Journals (Sweden)

    Obasan Kehinde Agbolade

    2011-08-01

    Full Text Available The role of information in the actualization of various organizational objectives cannot be over-emphasized has it ensure prompt delivery of resources essential to attain an enviable ends. The contemporary business milieu is very dynamic and experiences rapid changes due to creativity, innovation, hi-tech changes, increased perceptionand demands from clienteles. Business organizations, especially the banking industry is operating in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate with Information and Communication Technology (ICT is at the centre of the change curve. Using a primary data sourced through a structured questionnaire administered to selected banks in south-west Nigeria and the Ordinary Least Square approach econometric techniques, this study examined the nature of the relationship that exist between Banks Profitability and the Adoption of Information and Communication Technology. The data analysis showed that a positive correlation exists between ICT and banks profitability in Nigeria. This implies that a marginal change in the level of the investment and adoption of ICT in the banking industry will result to a proportionate increase in the profit level. This is confirmed by the level of the regression coefficient as well as the factor analysis which revealed that an insignificant size of profit exist without the introduction of the ICT

  13. Prioritizing the effective factors for customers attraction: A case study of Sepah Bank

    Directory of Open Access Journals (Sweden)

    Azim Zarei

    2012-04-01

    Full Text Available During the past few years, privatization has recently changed banking industry and there has been an increase competition in this industry. New banks try to present better services to absorb customers and traditional banks attempt to improve their services to retain their existing customers. In such environment and with limited amount of resources, there is a necessity to prioritize different influencing factors on the quality of the services. The proposed study of this paper presents a multi criteria decision making method along with Kano method to prioritize the most influencing factors of service quality. The proposed study of this paper is implemented for one of the oldest banks in Iran called Sepah. We have gathered different factors influencing customer satisfaction for all Sepah banks located in Semnan, Iran and using, analytical hierarchy process we provide a detailed ranking.

  14. Competition and Concentration in Bangladeshi Banking Sector: An Application of Panzar-Rosse Model

    Directory of Open Access Journals (Sweden)

    Md. Anwar Hossain Repon

    2016-01-01

    Full Text Available The purpose of this paper is to investigate the market structure and degree of concentration of Bangladeshi banking industry. The study measured market concentration by using widely recognized measures like k-bank concentration ratio and Herfindahl-Hirchman Index (HHI. It evaluates market structure by applying Panzar-Rosse Model over 8 years period from 2006 to 2013. The result of concentration measures indicates a decreasing trend and low level of market concentration in Bangladeshi banking industry over the sample period. The panzer-Rosse “H-Statistic” suggests that banks in Bangladesh are operating under monopolistic competition. Present paper contributes to a burgeoning literature on banking competition that has evolved significantly over the past periods on a developing country perspective like Bangladesh.

  15. 问计环境金融建设美丽中国--专访兴业银行董事、董事会秘书唐斌先生%Resorting to Environmental Finance to Construct the Beautiful China:A Personal Interview with Mr.TANG Bin,the Executive Director and Secretary of the Board in the Industrial Bank

    Institute of Scientific and Technical Information of China (English)

    叶文振; 唐斌

    2015-01-01

    Editor’s note:As we know,the Industrial Bank is the pioneer in our environmental finance,the only financial institution adopting the equator principle in China.For years,the Industrial Bank has accumulated rich practical experience in environmental finance after taking the first-mover advantage in the fields of team-construction,business modes,product innovation etc.During the pioneering development,Mr.TANG Bin,who is the executive director and secretary of the Board,always impels and implements the undertaking of environment finance,and takes up the theoretical and practical studies in the domains of corporate governance,social responsibility,sustainable development etc. Professor YE Wen-zhen,the editor-in-chief of this Journal made a special dialogue interview with Mr.TANG recently to have an in-depth discussion on the theoretical and practical issues of environmental finance.%众所周知,兴业银行是我国环境金融先行者,是国内目前唯一一家采纳赤道原则的金融机构。多年来,该行深耕环境金融创新,已在队伍建设、业务模式、产品创新等方面建立了先发优势,积累了丰富的实践经验。在这一开创性的发展中,该行执行董事、董事会秘书唐斌先生一直是环境金融事业的积极推动者和具体组织者,而且还在公司治理、社会责任、可持续发展等领域都有较深入的理论与实务研究。本刊主编叶文振教授近期以对话形式专访了唐斌先生,与他就环境金融的理论与实践问题进行了深入交流。

  16. Mensuração da qualidade de serviços: um estudo de caso na indústria de serviços bancários Measurement of service quality: a case study in the industry of banking services

    Directory of Open Access Journals (Sweden)

    Joacir A. Machado Jr.

    2003-08-01

    Full Text Available A indústria de serviços experimentou notável crescimento nas últimas duas décadas. As organizações de serviços cresceram em tamanho e complexidade. Este artigo analisa a aplicação de indicadores de desempenho da qualidade na indústria de serviços bancários. O método de pesquisa adotado é o hipotético-dedutivo, aplicado por meio de um estudo de caso, em que os dados obtidos na pesquisa de campo passaram por rigorosa análise estatística para comprovação dos resultados. A organização estudada, um banco comercial, desenvolveu um modelo integrado de indicadores de desempenho da qualidade, tornando-o seu principal instrumento de gestão de qualidade. A conclusão da pesquisa revela que o desenvolvimento e a implementação de um modelo estruturado de indicadores do desempenho da qualidade contribui para o aperfeiçoamento desta, proporcionando foco para o investimento de recursos nas organizações de serviços.The service industry tried notable growth in the last two decades. The service organizations had grown in size and complexity. This work analyzes the application of performance indicators of quality in the industry of banking services. The adopted method of research is the hypothetical-deductive one, applied through a case study, where the data gotten in the field research had passed for rigorous statistical analysis, for corroborate of the results. The studied organization, a commercial bank, developed an integrated model of performance indicators of quality, becoming its main instrument of management of the quality. The conclusion of the research discloses, that the development and implementation of a structured model of performance indicators of quality, contribute for the improvement of quality, providing focus for the investment of resources in the service organizations.

  17. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  18. Breaking e-Banking CAPTCHAs

    OpenAIRE

    Li, Shujun; Shah, Syed Amier Haider; Khan, Muhammad Asad Usman; Khayam, Syed Ali; Sadeghi, Ahmad-Reza; Schmitz, Roland

    2010-01-01

    Many financial institutions have deployed CAPTCHAs to protect their services (e.g., e-banking) from automated attacks. In addition to CAPTCHAs for login, CAPTCHAs are also used to prevent malicious manipulation of e-banking transactions by automated Man-in-the-Middle (MitM) attackers. Despite serious financial risks, security of e-banking CAPTCHAs is largely unexplored. In this paper, we report the first comprehensive study on e-banking CAPTCHAs deployed around the world. A new set of image p...

  19. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-05-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment. 

  20. Perbandingan Penawaran Investasi Depostio Bank Syariah

    Directory of Open Access Journals (Sweden)

    Hery Harjono Muljo

    2010-04-01

    Full Text Available From the beginning, the sharia banks operation is always supporting mosleem expectations. Economic recovery, fairness, security, and comfortness aspects are became ultimate goals of sharia bank in Indonesia. This research is comparing the investment deposits from 3 sharia banks, and 4 business units of sharia, by using comparative descriptive analysis. The comparative variables were devided into 3 categories; there are Nisbah (profit sharing, investment conditions, and bank fascilities. The results indicates that BNI has the highest nisbah between all sharia banks at the first category. Bank Muamalat Indonesia, BNI Sharia, Bank Sharia Mega Indonesia has the lowest openning balance of time-deposits at second category . The product fascility as the third category, indicates that Bank Sharia Mandiri, BNI Sharia, Bank Sharia Mega Indonesia, and Bank Muamalat can using multi currency. BTN Sharia, Bank Sharia Mega Indonesia, Bank Muamalat Indonesia, and Bank Danamon Sharia were also offer joint account in their sharia investment.

  1. BANKS IN TRANSITION COUNTRIES AS ONE OF MOST ATTRACTIVE INVESTMENTS

    Directory of Open Access Journals (Sweden)

    Lidija Dedi

    2011-06-01

    Full Text Available The primary goal of this paper is to analyze the banking sector in transition countries in Central and Eastern Europe, and identify bank’s potential as an investment in the globalized environment. The primary hypothesis is that banking sector is one of the most attractive investment areas in transition countries. In the comparison with financial systems of G7 and other growth countries, the financial industry in transition countries shows significant potential for future growth and development. Operating as universal bank with acquired position in financial supervisory bodies banks can easy control and slows down growth and development of nonbanking financial institutions. They are not overly involved in risky operations of securitization and were not so much exposed to the recent crisis. Analysis of the banking sector in transition countries has been made on available sources of secondary data and comparable quantities. Comparable quantities are analyzed with descriptive statistics, starting from the general characteristics of the region and individual countries, through macroeconomic indicator analysis to analysis of assorted indicators of banking sector which have dominant influence on prospective cash flows and risk, i.e key components of bank’s value as an investment.

  2. INTERNAL AND EXTERNAL DETERMINANTS OF COMMERCIAL BANKS PROFITABILITY: EMPIRICAL EVIDENCE FROM BULGARIA AND ROMANIA

    Directory of Open Access Journals (Sweden)

    FIRTESCU BOGDAN

    2015-07-01

    Full Text Available Our study focuses on commercial banks which are operating in Bulgaria and Romania, two countries whose banking sectors have registered major structural changes in the transition to a market economy and which are showing some similarities. Similar to other EU countries, the financial system from Bulgaria and Romania is dominated by the banking sector, which holds the largest share of total assets. Thus, we can say that health, strength and performance of the banking sector are of major importance for the sustainable economic development of states, but also for efficient transmission of monetary policy decisions on the real economy. The paper aims to identify the key factors that affect bank profitability and to evaluate empirically their contribution to a sample of 29 commercial banks in Bulgaria and Romania, for the period 2003-2012. Our research is based on data from the Bureau Van Dijk database, the World Bank and the European Central Bank and uses panel data estimation techniques. The dependent variable used in our study is the bank profitability, which is measured by two representative indicators the Return on Average Assets (ROAA and Return on Average Equity (ROAE. Regarding the independent variables, our analysis includes capital adequacy, the loan loss reserve rate, cost to income ratio, the ratio of liquid assets to total assets, the interest expenses to deposits ratio, the non-interest income over total gross revenues, bank size, the GDP per capita growth, inflation rate, domestic bank credit to private sector and banking industry concentration. The results of our empirical study shows that among the variables considered, the loan loss reserve rate, the ratio of cost to income, GDP per capita growth and domestic bank credit to the private sector, have a significant impact on bank profitability, results in line with our expectations, but also with the results of other empirical studies.

  3. 12 CFR 811.1 - Authority of Reserve Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authority of Reserve Banks. 811.1 Section 811.1 Banks and Banking FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.1 Authority of Reserve Banks. Each Reserve Bank is hereby authorized, in accordance with...

  4. 12 CFR 7.1010 - Postal service by national bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may...

  5. Mobile Banking Supervising System- Issues, Challenges and Suggestions to improve Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Dr.K.Kavitha

    Full Text Available Banking is one of the Largest Financial Institution which constantly provides better Customer Services. To improve the Service Quality, Banking Services are expanded to Mobile Technology. Recently Mobile Banking plays a vital role in Banking Sector. This ...

  6. Foreign competition and disintermediation: no threat to the German banking system?

    Directory of Open Access Journals (Sweden)

    Claudia M. Buch

    2000-06-01

    Full Text Available The German financial system is characterized by low degrees of penetration by foreign commercial banks and of (bank disintermediation compared to, for instance, the United States. This could be attributed to the fact that universal banking in Germany creates implicit barriers to entry. Yet, regulatory and informational differences which are unrelated to universal banking could be responsible for the observed difference. This paper provides a stylized theoretical model of the banking industry, which suggests that market segmentation and limited market entry can be due to a number of factors, including information costs. Preliminary empirical evidence does not provide clear evidence for the hypothesis that universal banking is the reason for the observed differences in financial systems.

  7. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...... that are socially responsible may have economic advantages....

  8. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive...

  9. 32 CFR 643.113 - Banks.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Banks. 643.113 Section 643.113 National Defense... Authority of Commanders § 643.113 Banks. (a) The establishment of banks, branch banks, and banking... fair market value, and reimbursement will be required for utilities and services furnished. (e) A...

  10. BEST BANKS TO BUY IN CHINA

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ CEOs of international banks face their toughest challenge in China. Citibank and HSBC already moved aggressively by taking stakes in the remaining large and well-known banks, such as the Shanghai Pudong Development Bank and the Bank of Communications. Such tie-ups offer opportunities to market credit cards and other banking products through local networks.

  11. Online Banking Customers: Insights from Germany

    Directory of Open Access Journals (Sweden)

    Sven Christian Berger

    2007-04-01

    Full Text Available Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  12. Index of Real Sector Returns as Price Benchmarking for Islamic Banking Products

    Directory of Open Access Journals (Sweden)

    Researchers of Islamic Banking Department

    2012-01-01

    Full Text Available Objective – Islamic Banking is closely related to the real sector. Then, its operation should reflect the real sector which is expected to contribute to the sustainable economic growth. Nevertheless, Islamic banks are still benchmarking the price of their products (profit sharing and sales on interest rate. This is as an implication of the implementation of the dual banking system. Moreover, the small portion of Islamic banking compared to the total national banks causes the competitiveness of Islamic banking product in terms of pricing has a high correlation with the interest rate of conventional counterpart. This phenomenon indicates the need to find.Method – This research employed library research method since this paper relies on secondary data by thoroughly reviewing the most relevant literature. The paper attempt to propose a pricing indicator which is based on the real sector activities as the root of Islamic banking operations.Result – Theoretically, this indicator can reflect the real rate of return of every industry sector. In addition, it can help Bank Indonesia to monitor the real sector performance and analyze the possible gap between real sector activities and financial sector. Furthermore, when the benchmark of real rate of real sector return is available, the return index of Islamic banking reflecting the profit sharing performance of the whole Islamic banking industry can be formulated. This concept is different with other indexes which are corresponding to the price of financial assets.Conclusion – In general, return index of real sector as a reference for Islamic banking product pricing is expected to define the way of non-interest return analysis, to calculate the non-interest return of selected sectors that becomes the focus of analysis using Cash Recovery Rates (CRR, forming an index of industry by sector in the second stage, by doing a certain weighting of those companies, to analyze the relationship between macro

  13. Contagious bank failures in a free banking system

    NARCIS (Netherlands)

    Aghion, P.; Bolton, P.; Dewatripont, M.

    2000-01-01

    This paper develops a model of an unregulated banking system based around a private clearing house arrangement. Whilst such a system may dominate one with a public safety net in reducing moral hazard in lending and therefore the scope for individual bank insolvency, it also increases the likelihood

  14. Central Bank Focuses on Money Supply and Commercial Bank Reform

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    @@ Money supply index will continue to be the main topic of the annual meeting of Central Bank, this has actually refuted the rumor that the intermediate goal of Central Bank's monetary policy,which has been implementing for 8 years, will be demolished.

  15. Determinents of profitability – a comparative analysis of islamic banks and conventional banks in ASEAN countries

    OpenAIRE

    Wahidudin, AHMAD Nazri; Subramaniam, ULAGANATHAN; Pg. Kamaluddin, PENGIRAN. Abd Mutalib

    2012-01-01

    The profit and loss sharing system allows bank to share risk with client in Islamic banks. Moreover Islamic banks are required to operate as per Islamic Rules and principles. Unlike Islamic banks, conventional banks operate based on interest. The income of conventional banks is the difference between interest paid to depositors and interest paid by borrowers. This is the common banking system around the world. This study will analyze determinants of profitability in Islamic banks will be co...

  16. Information Technology Role in Reducing E-Banking Services Risk in Jordanian Banking Sector

    OpenAIRE

    Ahmad Y. Areiqat; Aymen M. Abu-Errub; Badi S. AL-Rawashdeh; Mohammad Dbbaghieh

    2012-01-01

    Problem statement: This study aims to highlight the role of information technology in reducing risk of electronic banking services in the Jordanian banking sector. The study was conducted on three banks as a sample representative of the Jordanian banking sector. Approach: Data collection was through conducting personal interviews with the operations managers in the three banks (HBTF, JC Bank and Audi Bank). Results: The results showed that Jordanian banks showed highest attention toward risk ...

  17. THE INFLUENCE OF THE INTERNET FINANCE ON COMMERCIAL BANKS

    Institute of Scientific and Technical Information of China (English)

    中南财经政法大学 湖北 武汉 430073

    2014-01-01

    The rapid development of the Internet industry leads to the Internet Finance’s emergence.As a combination of traditional financial industry and the Internet,Internet Finance(IF)encloses:settlement services and payment,lending(microcredit,supply chain financing,peer-to-peer(P2P)lending),and sales of investment products(e.g.,funds,insurance). Additionally,data gathered by E-commerce companies are being handled to assess the customer’s credit.This article intends to present an overview of the If’s main features,as well as to explore its effects on the conventional transactions of commercial banking industry. Moreover,measures and suggestions for the banks and regulator institutions to deal with the IF would be proposed.

  18. Domestic Banks in Bangladesh Could Ensure Efficiency by Improving Human Resource Management Practices.

    Science.gov (United States)

    Masum, Abdul Kadar Muhammad; Azad, Md Abul Kalam; Hoque, Kazi Enamul; Beh, Loo-See

    2015-01-01

    The paper aims to examine the influence of human resource management (HRM) practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks in Bangladesh are used for the period 2008-2013. This paper reveals that foreign banks are ahead in converting the influence of HRM practices into efficiency scores (0.946>0.833). On the other hand, domestic banks performed better than foreign banks in terms of pure efficiency and scale efficiency. But, in terms of technical efficiency, the domestic banks are regressed by 6.7% annually whereas foreign banks are progressed with a yearly value of 5.8%. The results are robust, because the Mann-Whitney test and Kruskall-Wallis test (non-parametric tests) also confirm the same results. This study emphasizes HRM practices in the banking industry to ensure efficiency in the long-term scenario. Domestic banks are suggested to ensure continuous development in HRM practices in order to compete with foreign banks.

  19. Banking Competition and Efficiency: Empirical Analysis on the Bosnia and Herzegovina Using Panzar-Rosse Model

    Directory of Open Access Journals (Sweden)

    Memić Deni

    2015-03-01

    Full Text Available Background: Competition in the banking industry has been an important topic in the scientific literature as researchers tried to assess the level of competition in the banking sector. Objectives: This paper has an aim to investigate the market structure and a long term equilibrium of the banking market in Bosnia and Herzegovina nationwide as well as on its constitutional entities as well as to evaluate the monopoly power of banks during the years 2008-2012. Methods/Approach: The paper is examining the market structure using the most frequently applied measures of concentration k-bank concentration ratio (CRk and Herfindahl-Hirschman Index (HHI as well as evaluating the monopoly power of banks by employing Panzar-Rosse “H-statistic”. Results: The empirical results using CRk and HHI show that Bosnia and Herzegovina banking market has a moderately concentrated market with a concentration decreasing trend. The Panzar-Rosse “H-statistic” suggests that banks in Bosnia and Herzegovina operate under monopoly or monopolistic competition depending on the market segment. Conclusions: Banks operating on the banking market in Bosnia and Herzegovina seem to be earning their total and interest revenues under monopoly or perfectly collusive oligopoly.

  20. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...