WorldWideScience

Sample records for banking industry

  1. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  2. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

    Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

  3. Varying Impacts of Electronic Banking on the Banking Industry

    Directory of Open Access Journals (Sweden)

    Sali Bakare

    2015-08-01

    Full Text Available The banking industry has undergone tremendous changes with the introduction of information technology (IT. Electronic banking (EB is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans to conduct financial activities. This paper explores a few published articles that reported on the impacts of electronic banking on the banking industry. The articles vary in their findings. Impacts on the banking industry from the points of view of consumers and bank employees were reported. This paper examines the study of few other articles to propose that more research be conducted utilizing a different research methodology such as qualitative method to fully understand how EB impacts the banking industry and address cyber crime threats.

  4. 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.

  5. Customer Experience in Banking Industry

    OpenAIRE

    Michálková, Anna

    2015-01-01

    This thesis analyzes the field of Customer Experience. The goal is to apply these issues to the banking market and understand what role has the relationship between the bank and the customer due to the prosperity of the bank. The paper describes the current Czech banking market, its trends in recent years and segmentation of bank clients. One of the major changes on the Czech banking market concerns ever increasing competition between banks and increase competition for consumers. Customer Exp...

  6. Competitive Conditions In The Turkish Banking Industry

    OpenAIRE

    Ozgur Ozmen Uysal

    2001-01-01

    The objective of this paper is to investigate the competitive conditions in the Turkish banking industry on the period between 1983 and 1996 by applying a new method previously applied to the U.S. and Canadian banking industries. The Turkish banking system experienced substantial changes as a result of the deregulation in the 1980s. Most restrictions on interest rates, market entry, and exchange rates were eliminated, and the number of national private and foreign banks increased. This numeri...

  7. Indian Banking Industry: Challenges and Opportunities

    Directory of Open Access Journals (Sweden)

    Dr. Krishna A. Goyal

    2012-02-01

    Full Text Available Abstract: The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing 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 on the institution remain the same. The majority of the banks are still successful in keeping with the confidence of the shareholders as well as other stakeholders. However, with the changing dynamics of banking business brings new kind of risk exposure. In this paper an attempt has been made to identify the general sentiments, challenges and opportunities for the Indian Banking Industry. This article is divided in three parts. First part includes the introduction and general scenario of Indian banking industry. The second part discusses the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. This article is a small seed to existing branch of knowledge in banking industry and is useful for bankers, strategist, policy makers and researchers. Key words: Rural Market, Risk Management, Global Banking, Employee and Customer Retention.

  8. 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

  9. Job Satisfaction and Motivation in Banking Industry in Pakistan

    OpenAIRE

    Nadeem Bhatti; Anwar Ali Shah G. Syed; F. M. Shaikh

    2012-01-01

    The current research investigates the predictors of job satisfaction and motivation in banking industry of Pakistan. Data were collected from the 200 bankers of Middle and Upper management Level by using cross Sessional method, and randomly selected from 6 banks, which includes, Habib Bank Limited( HBL), Allied bank Limited (ABL), MCB Bank Limited (MCB), United Bank Limited(UBL), Bank Alfalah and Askari Bank Limited. A structural questionnaire was designed for the reliability and validity of ...

  10. Malaysia: Financial Liberalization in the Banking Industry

    OpenAIRE

    Loke, Lee Lian

    2011-01-01

    In this globalised era, financial liberalization is indeed crucial to support the functioning of the worldwide economies. As a developing country which is striving to achieve the developed nation status by year 2020, Malaysia too has liberalized the financial industry, particularly the banking sector. However, the liberalization strategy was more conservative and gradual, focusing primarily on building strong fundamentals in the industry before further liberalizing the sector. The Governor of...

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

    Directory of Open Access Journals (Sweden)

    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.

  12. Intellectual capital: Evidence from banking industry

    OpenAIRE

    Somayeh Boostani; Shabnam Fotovvat; Karam Safari

    2014-01-01

    This paper investigates different components on intellectual capital including human capital, structural capital and customer capital in banking industry in city of Salmas, Iran. The study uses the questionnaire developed by Bontis (1998) [Bontis, N. (1998). Intellectual capital: an exploratory study that develops measures and models. Management Decision, 36(2), 63-76.] to measure the effects of human capital. The questionnaire consists of 42 questions and all of them are designed in Likert s...

  13. Technological and Structural Change in the European Banking Industry

    OpenAIRE

    Panapoulou, Maria

    2002-01-01

    The world banking industry is undergoing a large-scale transformation. Banking systems and financial markets, both domestic and international, have been undergoing a series of profound changes. One of the main driving forces of these worldwide changes is the introduction of innovations in new information technologies. Against these trends, industrial structure in the banking industry and banking regulation have sometimes encouraged these trends and sometimes adapted to them. The aim of this p...

  14. Credit risk assessment: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    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.

  15. 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....

  16. Intellectual capital: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Somayeh Boostani

    2014-09-01

    Full Text Available This paper investigates different components on intellectual capital including human capital, structural capital and customer capital in banking industry in city of Salmas, Iran. The study uses the questionnaire developed by Bontis (1998 [Bontis, N. (1998. Intellectual capital: an exploratory study that develops measures and models. Management Decision, 36(2, 63-76.] to measure the effects of human capital. The questionnaire consists of 42 questions and all of them are designed in Likert scale. Cronbach alphas for human capital, structural capital and relationship capital were calculated as 0.79, 0.76 and 0.72, respectively. The implementation of Kolmogorov-Smirnov test has indicated that the data were normally distributed. Using t-student test, the study determined that while management team did not pay enough attention on human capital, there were some statistically significant evidence that social and relationship capitals gained good attention.

  17. Information Production, Banking Industry Structure and Credit Allocation

    OpenAIRE

    Chiesa, G

    1998-01-01

    Does the removal of intra-state entry barriers increase welfare? Will all banks survive? Will it lead to a consolidation of the banking industry? The experience of credit market deregulation has not been always successful. Credit market liberalisation, via the removal of entry barriers, of limitations of activity and of markets for funding is generally recognised at the origin of banking crises like the American Savings & Loans, the Scandinavian countries’ banking crises at the end of the 80’...

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

    Directory of Open Access Journals (Sweden)

    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.

  19. Financial distress of industrial firms on the Greek banking system

    OpenAIRE

    Antoniades, Dimitris; Kouzionis, Dimitris

    1990-01-01

    Since the late 1970s, industrial activity in Greece has been deteriorating rapidly. An increasing number of industrial firms have experienced distress and failure. Because of their extensive indebtedness, the widespread distress of industrial companies has affected the soundness of Greek banks. This paper discusses the extent and causes of financial distress in Greek industry and the importance of its impact on the banking system and the country's economy. The authors outline the main goals o...

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

    OpenAIRE

    El Mehdi Ferrouhi

    2014-01-01

    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 ...

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

    CERN Document Server

    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...

  2. 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

  3. Mode of Entry and the Performance of Foreign Banks: Evidence from Turkish Banking Industry

    Directory of Open Access Journals (Sweden)

    Ahmet AKIN

    2016-05-01

    Full Text Available Emerging economies have been attracting considerable amount of foreign direct investments to the banking industry through cross-border acquisitions and new establishments. Whether mode of entry influences the performance of foreign banks is an important question. This study analyzes the impact of entry mode on the foreign bank performance in Turkey for the period before and after the global financial crisis. Profitability and relative efficiencies are used to measure the performance of banks. Then, Tobit and multivariate regressions are performed to detect the performance differentials between the bank groups. Analysis reveals that greenfield banks have superior performance over the takeover banks in terms of only profitability. Mode of entry does not have a statistically significant effect on efficiency. Besides, there are no efficiency or profitability gains for takeover banks after acquisition.

  4. Business culture and dishonesty in the banking industry.

    Science.gov (United States)

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

    2014-12-01

    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. PMID:25409154

  5. Business culture and dishonesty in the banking industry.

    Science.gov (United States)

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

    2014-12-01

    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.

  6. 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 determinants which...

  7. 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...

  8. Accounting for Financial Instruments in the Banking Industry

    OpenAIRE

    Gebhardt, Günther; Reichardt, Rolf; Wittenbrink, Carsten

    2002-01-01

    Recent changes in accounting regulation for financial instruments (SFAS 133, IAS 39) have been heavily criticized by representatives from the banking industry. They argue for retaining a historical cost based mixed model where accounting for financial instruments depends on their designation to either trading or nontrading activities. In order to demonstrate the impact of different accounting models for financial instruments on the financial statements of banks, we develop a bank simulation m...

  9. 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...

  10. Measuring brand equity in banking industry: A case study of Mellat Bank

    OpenAIRE

    Maryam Nadernezhad; Younos Vakilalroaia

    2013-01-01

    This study examines the influencing factors on brand equity in banking industry. The proposed study designs a questionnaire consists of 16 questions for measuring brand loyalty, brand awareness, brand compatibility and perceived quality in one of Iranian banks named Mellat Bank. Using a descriptive and non-experimental study, the proposed study gathers data and analyze them using t-student test. The results indicate that three components including brand loyalty, brand awareness and brand equi...

  11. INDUSTRY WAGE SURVEY--BANKING, NOVEMBER-DECEMBER 1964.

    Science.gov (United States)

    Bureau of Labor Statistics (DOL), Washington, DC.

    THE RESULTS OF A SURVEY OF WAGES AND SUPPLEMENTARY PRACTICES IN THE BANKING INDUSTRY COVERING 27 STANDARD METROPOLITAN STATISTICAL AREAS AS OF NOVEMBER-DECEMBER 1964 ARE SUMMARIZED. BUREAU FIELD ECONOMISTS, IN PERSONAL VISITS, STUDIED 458 OF 1,286 BANKS EMPLOYING 20 OR MORE WORKERS. THE AVERAGE WEEKLY SALARIES OF WORKERS IN SELECTED NONSUPERVISORY…

  12. Bank Auditors Assessment of the Use of CD-ROM Technology in the Banking Industry.

    Science.gov (United States)

    Lightfoot, Michael W.

    A review of the research has indicated that compact disc-read only memory (CD-ROM) technology is used most often by the home consumer, with educational use next and business use following. To assess how CD-ROM technology is used in the banking industry, bank auditors were surveyed. One hundred business systems and operational auditors in downtown…

  13. Change and Its Repercussions for the Banking Industry

    Directory of Open Access Journals (Sweden)

    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.

  14. 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.

  15. Concentration and Competition in Turkish Banking Industry: The Evidence from 2000 to 2012

    Directory of Open Access Journals (Sweden)

    Serpil Kuzucu

    2015-09-01

    Full Text Available Banking industry worldwide has been transformed due to globalization, financial liberalization, technological developments, government policies, deregulation of financial services, financial crises and increase in mergers and acquisitions since 1980. With these changes, there is a trend towards decrease in the number of banks and increase in banking concentration. Increase in banking concentration might affect competition conditions in banking industry. The decrease in the number of banks and the increase in banking concentration dominate the Turkish banking industry after the banking crises in 2000 and 2001. This paper examines the relationship between concentration and competition in Turkish banking industry. I measure the size of banking concentration by concentration ratios and Herfindahl-Hirschman index with the data of commercial deposit banks in Turkey from 2000 to 2012. Competition degree is measured by using Panzar Rosse model. The results of the study suggest that there is no permanent relation between banking concentration and competition in Turkish banks.

  16. 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.

  17. 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.  

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

    Directory of Open Access Journals (Sweden)

    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.

  19. QUALITY ASSESSMENT OF BANKING INDUSTRY USING THE SERVQUAL MODEL

    OpenAIRE

    DR.RAKESH.R

    2012-01-01

    Banking industry is realizing the significance of customer-centered philosophies and is turning to quality management approaches to help managing their businesses. This paper has started with the concept of service quality and has demonstrated the model of service quality gaps. SERVQUAL as an effective approach has been studied and its role in the analysis of the difference between customer expectations and perceptions has been highlighted with support of a banking example. Outcomes ...

  20. Relationship Marketing Stage of Development in Romanian Banking Industry

    OpenAIRE

    Alina Filip; Diana Maria Vrânceanu; Bogdan Georgescu; Daniela Elena Marinescu

    2016-01-01

    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...

  1. Determinants of Customer Satisfaction of Banking Industry in Bangladesh

    Directory of Open Access Journals (Sweden)

    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. PMID:27490847

  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.

  4. 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

  5. Software-Based Visual Loan Calculator For Banking Industry

    Science.gov (United States)

    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.

  6. Competition and Risk-taking in Banking Industry

    Directory of Open Access Journals (Sweden)

    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.

  7. The impact of electronic banking on profitability and market share: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2014-12-01

    Full Text Available This paper presents an empirical investigation to study the effects of electronic banking devices such as automated telling machines (ATM, Point of sales (POS and Pin Pad on profitability and market share in Iranian banking industry. The population of this study considers the information of 16 banks, five governmental and eleven private, over the period 2007-2012. Using two regression techniques, the study has detected that while Pin Pad may influence on return of assets positively, ATM and POS may not have any meaningful impact on profitability. Moreover, in our survey, none of technological facilities had a meaningful impact on market share but there was a positive and meaningful relationship between bank size and market share.

  8. Investment Appraisal Process in the Banking & Finance Industry

    NARCIS (Netherlands)

    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

  9. 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.

  10. Ranking influencing factors on relative efficiency of banking industry

    Directory of Open Access Journals (Sweden)

    Hadi Hematian

    2013-07-01

    Full Text Available Measuring the relative efficiency of banking industry has been one of the most interesting areas of research for the past few years. There are literally various techniques for measuring the relative performance of similar units such as banks including data envelopment analysis and stochastic frontier analysis. This paper presents an empirical investigation to measure the relative performance of some Iranian banks located in province of Alborz, Iran for two consecutive fiscal years of 2009 and 2010. The proposed study implements stochastic frontier analysis to measure the performance of these banks based on two set of criteria. In the first model, total loans devoted are considered as output and employees, total customersҠinvestment, total fixed assets as well as no-interest deposits are considered as inputs of the model. For the second model, special banksҠcharacteristics such as total economic value of branch, the ratio of fixed assets to total assets, educational backgrounds of employees as well as the level of automation in the system are considered as input parameters of the systems. The results indicate that most bank perform relatively well according to their efficiencies.

  11. Relationship Marketing Stage of Development in Romanian Banking Industry

    Directory of Open Access Journals (Sweden)

    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

  12. Determinants of Dividend Policy in Kosovo Banking Industry

    Directory of Open Access Journals (Sweden)

    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.

  13. 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…

  14. 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...

  15. Concentration in the banking industry and economic growth

    OpenAIRE

    Deidda, Luca Gabriele; Fattouh, Bassam

    2002-01-01

    We present an OLG endogenous growth model in which a reduction in the level of concentration in the banking industry exterts two opposite effects on economic growth. On the one hand, it induces economies of specialisation which enhances intermediation efficiency and thereby eco- nomic growth. On the other hand, it results in duplication of fixed costs which is detrimental for efficiency and growth. The trade off between the two opposing effects is ambiguous and can vary along with the dynamic...

  16. Determinants of Customer Satisfaction of Banking Industry in Bangladesh

    OpenAIRE

    Mohammed Belal Uddin; Bilkis Akhter

    2012-01-01

    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...

  17. Measurement of cost efficiency in the European banking industry

    Directory of Open Access Journals (Sweden)

    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.

  18. Achieving Payoffs from an Industry Cloud Ecosystem at BankID

    DEFF Research Database (Denmark)

    Eaton, Ben; Hallingby, Hanne Kristine; Nesse, Per-Jonny;

    2014-01-01

    BankID is an industry cloud owned by Norwegian banks. It provides electronic identity, authentication and electronic signing capabilities for banking, merchant and government services. More than 60% of the population uses BankID services. As the broader ecosystem around BankID evolved, challenges......—arising from tensions between different parts of the ecosystem—had to be resolved. The four lessons learned from the BankID case will help others to build an industry cloud and establish a healthy ecosystem to service a broad user base....

  19. Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

    OpenAIRE

    Makosana, Musa

    2014-01-01

    The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

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

    Directory of Open Access Journals (Sweden)

    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.

  1. Spillover Effects of International Strategic Alliance in Banking Industry of China: Perspectives from Chinese Firms

    OpenAIRE

    Hou, Yuxuan

    2014-01-01

    This research examines the spillover effects of international strategic alliances in China’s banking industry for Chinese domestic banks. Through adopting spillover effects theory in explaining the positive and negative effects leaking from foreign investors in international strategic alliances, the study enables us to compare the internal and external effects depending on different factors, as Chinese state owned national banks and local banks as well as the country of origin. All of the ana...

  2. Modularization of Crowdfunding Services : Designing Disruptive Innovations in the Banking Industry

    OpenAIRE

    Haas, Philipp; Blohm, Ivo; Peters, Christoph; Leimeister, Jan Marco

    2015-01-01

    Crowdfunding represents a disruptive innovation in the banking industry by enabling the exploitation of market segments. Incumbents struggle to utilize this new phenomenon as crowdfunding is based on modules that have not been considered relevant for banking so far. Nevertheless, crowdfunding services are not entirely new compared to traditional banking. We argue that the modular design enables a bank to utilize crowdfunding. Thus, we started an action research project in order to investigate...

  3. 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...

  4. THE SCHUMPETERIAN STRUCTURAL ADJUSTMENT OF THE BANKING INDUSTRY: A POST FINANCIAL CRISIS ANALYSIS

    OpenAIRE

    JARUNEE WONGLIMPIYARAT; RACHANEE TRIPIPATKUL

    2005-01-01

    This paper discusses the economic growth and technological change of the Thai banking industry in relation to a post financial crisis, based on Schumpeter's economic development theory. It is argued that the structural changes of the Thai banking industry reflect Schumpeter's gales of creative destruction. The circumstance in which Thailand has to let the ailing banks and financial institutions go bankrupt and renew the process of growth through mergers and acquisitions represents an adjustme...

  5. 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

  6. Relationship between Customer Relation Management Performance and E-Banking Adoption: A Look at Malaysian Banking Industry

    OpenAIRE

    Samsudin Wahab; Nor Azila Mohd Noor; Juhary Ali; Kamaruzaman Jusoff

    2009-01-01

    This study seeks to identify the relationship between CRM performance and e-banking adoption. CRM performance isthe process of value creation which results into the customer behavior intention (retain, repurchase, positive word of mouth), customer satisfaction and loyalty towards the product/brand. Despite of the popular practice of CRM in various industries, and particularly in banking, there is still lack of empirical studies, investigating to what extent the CRM performance influences on e...

  7. Promoting Good Corporate Governance Principles in the Banking Industry: Exploration of the Role of the Banking Supervisor

    OpenAIRE

    Javed, Afshan Genevieve

    2006-01-01

    In this paper I explore the topic of corporate governance applied to the banking industry and within it, the role of the Banking Supervisor. The topic of corporate governance has been gaining popularity since the 1990s as a necessary objective for all listed companies. Furthermore, this topic has been of great prominence and public interest because of the lack of sound corporate governance practices in some major companies across the world have showed- most of these corporate scandals of rece...

  8. 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...

  9. New Workers in the Banking Industry: A Minority Report.

    Science.gov (United States)

    Corwin, R. David

    To investigate the effects of the employment policies and practices of New York City banks upon minority employment, six banks were selected on the basis of their higher than average minority group employment. Nearly 200 interviews were conducted with bank personnel, including policy formulators, policy executors, and lower level personnel. These…

  10. Market Discipline and Bank Charter Value: The Case of Two Safe Banking Industries

    OpenAIRE

    Haq, Mamiza; Tarazi, Amine; Avkiran, Necmi; Fonceca, Ana Rosa

    2013-01-01

    This paper analyses the relationship between market discipline and bank charter value using a panel dataset of publicly-listed domestic banks in Australia and Canada over the 1995-2011 periods, with particular focus on the 2007/2008 global financial crisis (GFC). Overall, our results show a positive relationship between market discipline and bank charter value, although this has reduced in the post-GFC period. Furthermore, our findings reveal that in the presence of market discipline, bank ca...

  11. 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.

  12. 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.

  13. The Impact of Financial Innovation on Interest Rate Spread in the Tunisian Banking Industry

    Directory of Open Access Journals (Sweden)

    Abir Mabrouk

    2016-06-01

    Full Text Available This study aims at determining the effects of financial innovation on bank performance. Specifically, we examine the effects of financial innovation on interest rate spread in the Tunisian banking industry over the 1987-2010 period. The results indicate that, contrary toour expectations, in Tunisia, the financial innovation process significantly affects spread pricing policy. We found that adoption of unconventional products, source of commissions, allows banks to offer lower spread rates, while the first mover’s initiatives in process innovation increase spread rates. On the other hand, banks practicing lower spread rates are encouraged to be the first adopters of banking services and to first develop their own risk assessment system to cover their credit risk by building up provisions. Moreover, high spread rates do not encourage the bank to be the first mover in banking services but rather to imitate their adoption. High spread practice makes banks more willing to install a retailing apparatus and automated teller machines.

  14. 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.

  15. 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.

  16. 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...

  17. 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.

  18. Strategic regulation of a multi-national banking industry

    OpenAIRE

    Dalen, Dag Morten; Olsen, Trond E.

    2002-01-01

    This paper focuses on the consequences of cross-border banking and entry of multi-national bank (MNB) subsidiaries for banking supervision and regulation. When a MNB expands internationally with subsidiaries, the MNB operates under the legislation of several countries - both the home country and the host countries. Although these countries have agreed upon minimum standards and supervisory principles, such as in the EU directives or the Basle Accords, substantial degrees of freedom are still ...

  19. Corporate culture and shareholder value in banking industry

    OpenAIRE

    Carretta, Alessandro; Farina, Vincenzo; Fiordelisi, Franco; Schwizer, Paola

    2006-01-01

    This paper analyses the casual relationship between corporate culture and shareholder value using a sample of large banks in the French, German, Italian and U.K. banking systems over the 2000 to 2003 period. Firstly, we measure shareholder value using an Economic Value Added estimated through a procedure tailored to account for banking peculiarities. Secondly, we measure corporate culture using language as its particular artifact and developing a cultural survey based on the application of a ...

  20. Do Family-Owned Banks Perform Better? A Study of Malaysian Banking Industry

    OpenAIRE

    Tze San Ong; Shih Sze Gan

    2013-01-01

    It has been discussed that whether family ownership perform better or less perform than non-family ownership that might create or destroy agency costs among the managers and shareholders. This paper is to investigate the financial performance of family and non-family owned banks in Malaysia from year 2001 to 2010. This study compares the financial performance of family and non-family owned banks that operate under central bank of Malaysia, (BNM) and are listed on Bursa Malaysia. Multiple regr...

  1. Operational Risk Management in the UK Banking Industry: The Enlightenment for Chinese Banks

    OpenAIRE

    Zhao, Chenjing

    2009-01-01

    Operational risk is the oldest kind of risk facing by banks, and it emerges in almost every aspect of the business environment. As financial scandals have appeared regularly, operational risk has been receiving increasingly significant media attention in recent years. This dissertation is written to identify the meaning of operational risk management and focus on the operational risk management situations in the UK banking sector by studying on four major British banks. Besides, Chinese banki...

  2. 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.

  3. Market Structure, Efficiency and Profitability: An Empirical Study on the Chinese Banking Industry 2007-2012

    OpenAIRE

    Che, Chang

    2014-01-01

    Since the economic reform was initiated in 1978, the Chinese banking sector has undergone significant changes, especially after the entry to the WTO in 2001 and shock by the global financial crisis in 2008. With the purpose of examining whether the recent Chinese banking sector is effective as well as suggesting future policy directions, this study investigates market structure, efficiency and profitability in the Chinese banking industry over 2007-2012. I firstly estimate X-efficien...

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

    OpenAIRE

    Frances Obafemi; Olumide S Ayodele; Friday S Ebong

    2013-01-01

    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, inst...

  5. Interlocking directorates in the banking and financial industry: The Italian way

    OpenAIRE

    Ghezzi Federico

    2012-01-01

    This article examines a recent provision prohibiting interlocking directorates between companies operating in the Italian banking, financial and insurance industry. The new provision prohibits a director, statutory auditor or management official of a bank, insurance or financial company from simultaneously serving as a director, statutory auditor or management official of an unaffiliated bank, financial or insurance company or holding company. In light of the main findings of the antitrust li...

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

    Directory of Open Access Journals (Sweden)

    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”,

  7. 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...

  8. Five Measures Promote Opening-Up of Banking Industry

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    Liu Mingkang, Chairman of China Banking Regulatory Commission(CBRC),stated in a press conference held in last December by the News Office of the State Council, that China Banking Regulatory Commission would successively implement five important measures and continuously guided by the principle of steadily promoting the opening-up of

  9. Competency Documentation Desired by Employers in Banks and Residential Construction Industries.

    Science.gov (United States)

    Frazier, Don; Chester, James

    A study was conducted to determine the type of documentation of students' skills desired by employers in the banking and residential carpentry industries. Data were collected by interviews with employers of random samples of banking institutions (thirty-one) and residential carpentry firms (thirty-five) in Oklahoma. Results of the study led to the…

  10. Higher Education's Effectiveness in Preparing Students for Professional Practice: Perspectives from the Aerospace and Banking Industries.

    Science.gov (United States)

    Hansen, Ronald E.

    The congruence of expectations of industrial managers concerning the preparation of college graduates and what university professional schools are attempting to provide was explored. The focus was the aerospace and banking industries. Interviews were conducted with 24 senior executives from 13 corporations to determine what industry requires of…

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

    OpenAIRE

    Kambiz Heidarzadeh Hanzaee; Mohammad Ali Nasimi

    2012-01-01

    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 e...

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

    OpenAIRE

    Hadi Hajiyan; Ali Akbar Aminbeidokhti; Hadi Hemmatian

    2015-01-01

    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 t...

  13. An appropriate leadership model for the banking industry / Hubinger A.J.

    OpenAIRE

    Hubinger, Adriaan Johannes

    2011-01-01

    This study aims to measure the managerial skills of managers working in the banking industry. To do so, the newly developed managerial skills measuring instrument of Thekiso (2011) was used by to determine skills for managerial competence in the banking industry. The seven managerial skills that are covered in the questionnaire are: Self awareness skills; Self directed career planning; Integrative skills; Planning and controlling skills; Organizing skills; Leading skills; an...

  14. Perceptions of knowledge management and intellectual capital in the banking industry

    OpenAIRE

    Curado, Carla

    2008-01-01

    The purpose of this article is to capture the perceptions of knowledge management and intellectual capital in the banking industry. The reason for developing such a study is that little research as clearly addressed both subjects at the same time. After verifying that knowledge management and intellectual capital are identified as different concepts in the banking industry, the final aim of the author is to identify the relevancy and perceived value of such organizational variables in the ...

  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. Marketing and Customer Care in the Czech Banking Industry

    OpenAIRE

    Finková, Zuzana

    2013-01-01

    The thesis deals with marketing and customer care. It deals with the definition of marketing, the marketing mix and its components. Theoretical knowledge is applied in the practical part, in the creation of the questionnaire, the evaluation and further examples of banking strategies in the marketing of one particular bank are analysed. The paper concludes with an evaluation of the afore-mentioned questionnaire based on theory.

  18. 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.

  19. 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.

  20. Gender effects on customer satisfaction in banking industry a case of commercial banks in Bindura, Zimbabwe.

    OpenAIRE

    Musekiwa Albert; Kosmas Njanike; Paul Mukucha

    2011-01-01

    The establishment of excellent customer satisfaction is paramount to the success of any business in today’s global village. This study aimed to establish gender effects on customer service expectations in commercial banks customers in Bindura. A sample size of 200 commercial banks customers was used. Results showed that female customers gave higher rating on staff and organization that was courteous gave personal attention, accurate information, helpful and had clean facilities while male cus...

  1. 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.

  2. 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.

  3. Corporate social responsibility in the international banking industry

    NARCIS (Netherlands)

    Scholtens, B.

    2009-01-01

    This article aims at providing a framework to assess corporate social responsibility with international banks. Currently, it is mainly rating institutions like EIRIS and KLD that provide information about firms' social conduct and performance. However, this is costly information and it is not clear

  4. 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.

  5. 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.

  6. Pengaruh Current Industry Relative Performance, Future Industry Relative Performance Dan Leverage Terhadap Praktik Manajemen Laba (Studi Komparasi Tiga Bank Konvensional Dan Tiga Bank Syariah

    Directory of Open Access Journals (Sweden)

    Surya Wahyudi

    2014-03-01

    Full Text Available Penelitian ini merupakan penelitian deskriptif qualitative yang bertujuan untuk mengetahui ada tidaknya pengaruh dari Current Industry Relative Performance (CRP, Future Industry Relative Performance (FRP dan Leverage (DEBT terhadap praktik manajemen laba pada Perbankan Indonesia. CRP, FRP dan DEBT diukur dengan mengggunakan rasio keuangan. Manajemen laba diukur dengan menggunakan total akrual. Data yang digunakan adalah data sekunder dengan karakteristik data time series yang berupa laporan keuangan triwulan bank (BM, BRI, BSM, BMI, dan BSMI tahun 2004 sampai dengan 2008. Dengan menggunakan regresi berganda dengan taraf nyata 5%. Hasil penelitian menunjukkan bahwa pada bank konvensional berdasarkan Uji Simultan, peubah CRP, FRP dan DEBT mempengaruhi praktik manajemen laba (AD, sedangkan berdasarkan Uji Parsial, hanya peubah CRP dan DEBT yang mempengaruhi praktik manajemen laba. Pada bank syariah, berdasarkan uji Simultan, peubah CRP, FRP, dan DEBT tidak ada yang mempengaruhi praktik manajemen laba (AD, sedangkan berdasarkan Uji Parsial, peubah CRP, FRP dan DEBT tidak mempengaruhi praktik manajemen laba.JEL Classification : G21, M12, M40Kata kunci : Current Industry Relative Performance (CRP, Future Industry Relative Performance (FRP, Leverage (DEBT, Manajemen Laba (Accrual Discretionary

  7. The ineffectiveness of statutory auditors' control activity. Empirical evidence from Italian banking industry

    OpenAIRE

    D'Amato Antonio; Giannizzari Rosaura

    2014-01-01

    The work aims at providing an empirical evidence on the ineffectiveness of the board of statutory auditors in Italian banking industry in the time-span 2002-2011. Using the results of the inspection procedures of the Bank of Italy, as a measure of the effectiveness of the statutory auditors, the research has highlighted the close dependence of the latters from the Board of Directors. Furthermore, the study has revealed that in presence of an external auditor the statutory auditors activity is...

  8. 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

    Manuscript Type:EmpiricalResearch 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/Insights:We study three board monitoring mechanisms - independence, CEO-chair duality, and diversity - and analyze their effectiveness i...

  9. Investigating success factors influencing in e-CRM adoption: Evidence from banking industry

    OpenAIRE

    Fariz Taherikia; Fatemeh Rezaei

    2015-01-01

    This paper aims to examine the effects of technology adoption and quality of websites on customer satisfaction as well as customer loyalty in banking industry. It also investigates the effect of electronic customer satisfaction on customer loyalty and the effect of electronic customer satisfaction on customer loyalty on e-CRM. The study is accomplished among managers of bank Sepah in city of Qom, Iran. Using structural equation modeling, the study has confirmed that there was a positive and m...

  10. Information Technology and Accounting Information System in the Nigerian Banking Industry

    OpenAIRE

    Kabiru I. Dandago; Abdullahi Sani Rufai

    2014-01-01

    Information technology has tremendously stimulated expansion of the banking networks and range of the offered services during recent years. The information technology has become a critical business resource because its absence could result in poor decisions and ultimately business failure. This study intends to find out the information technology influence on accounting information production in the Nigerian banking industry. Both primary and secondary data were used and Analysis of Variance ...

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

    OpenAIRE

    Saeed Sehhat

    2013-01-01

    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...

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

    OpenAIRE

    Osibanjo, Omotayo Adewale; Oladele Joseph KEHIDE; Abiodun, Abolaji Joachim

    2011-01-01

    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 t...

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. The World Bank's procurement competition and the Italian construction industry

    OpenAIRE

    Michele Benvenuti; Luca Casolaro; Tindaro Paganini; Umberto Viviani

    2014-01-01

    The World Bank's procurement sector performs yearly operations ranging from $20 to $40 billion, half of which financing civil works. The share of contracts assigned to Italian firms peaked at 4 per cent in 2007-2012 (6 per cent in the civil works sector), significantly improving the level of the previous 2001-2006 period; Italy ranked as the fourth country in overall value. These projects are carried out by a small number of firms, are large in size, situated in relatively close markets (East...

  18. 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.

  19. 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.

  20. 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.

  1. 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.

  2. 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.

  3. 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…

  4. 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

  5. The application of holistic risk management in the banking industry

    OpenAIRE

    J. Chibayambuya; D. J. Theron

    2007-01-01

    Purpose: The application of holistic risk management is fast becoming a standard measure of good governance in the business arena. What role can holistic risk management play in the management of risk in the financial services industry? The aim of this paper is to propose a holistic risk management framework for the management of risk. Design/Methodology/Approach: A comprehensive framework that covers the holistic view risk management is proposed/developed out of an extensive literature ...

  6. 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.

  7. 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

  8. Market Structure and Competition in Emerging Market: Evidence from Malaysian Islamic Banking Industry

    OpenAIRE

    Abdul Majid, Muhamed Zulkhibri; Sufian, Fadzlan

    2007-01-01

    This paper investigates the market structure of Islamic banking industry in Malaysia during 2001-2005 and evaluates the degree of competition using the H-statistic by Panzar and Rosse (1987). The estimated H-statistics for the whole sample periods are positive ranging from 0.38 to 0.62 and the Wald test for the market structure of monopoly or perfect competition is rejected implying that the Islamic banks in Malaysia earned their revenue in the condition of monopolistic competition.

  9. 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...

  10. 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.

  11. 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.

  12. 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.

  13. Identification of drivers of client satisfaction and loyalty in banking industry

    Directory of Open Access Journals (Sweden)

    Marinković Veljko

    2012-09-01

    Full Text Available The aim of this paper is to identify key drivers of satisfaction and loyalty among the bank clients. The data has been collected by means of a questionnaire. The following statistical analysis has been applied: descriptive statistics, analysis of variance, factor analysis and multiple regression analysis. The results indicate that service quality, bank image and client trust are significant drivers of satisfaction. On the other hand, client satisfaction has been stressed as the most important driver of client loyalty. Statistically significant influences of bank image and client trust on client loyalty have also been confirmed. The results of the undertaken study can help bank managers in recognizing factors that need special attention in designing the strategy that targets long-term relationships with clients. The originality of the research lies in the fact that few studies implemented in the Western Balkan region were focused on identifying the factors that affect satisfaction and loyalty of clients in the banking industry. The confirmation of the significant impact of client trust on satisfaction and loyalty is particularly valuable. Specifically, trust as an independent variable can rarely be found in satisfaction and loyalty measurement models applied in North America and Europe.

  14. An Industry Analysis: The Impact of Information Technology on Commercial Banking Business in Malaysia

    OpenAIRE

    Wong, Whye Keong

    2003-01-01

    The local banking industry has undergone significant transformation in recent years. In just a few years’ time, waves of consolidation and modernization have fundamentally altered the industry’s landscape. While regulatory change was noted as the driving force behind the transformation, there were nevertheless other forces at work as well. The purpose of this study is to identify and analyze these forces individually and collectively, and then single out IT to determine its roles and impact o...

  15. Building a Customer Centric Business for Service Excellence and Competitive Advantage in the Singapore Banking Industry

    OpenAIRE

    Lim, Chee Hiong Daniel

    2009-01-01

    The financial service industry has gone through some very significant business transformation over the past 3 decades. Government deregulation opened up markets, technological changes created new channel and product opportunities, and data capabilities driven by affordable technology gave financial institutions the ability to identify and reach customers in new ways. Following deregulation and the rapid electronic technology revolution, banks have aimed to increase their competitiveness t...

  16. An Exploratory Research on the Application of Lean Management Principles in the Pakistani Banking Industry

    OpenAIRE

    Jamali, Saifullah

    2015-01-01

    Lean management can be simply described as a systematic way of reducing waste. Over the years, this philosophy has transgressed industry boundaries as more and more organizations outside the manufacturing world are implementing its different aspects to drive productivity improvements.The financial crisis faced by economies around the world has brought with it a hailstorm of problems for banks. Reduced spreads, increased competition and stricter regulatory controls are forcing these financi...

  17. ASSESSING RELATIONSHIP BETWEEN PERSONAL VALUE AND CUSTOMER SATISFACTION: EVIDENCE FROM NIGERIAN BANKING INDUSTRY

    OpenAIRE

    Olaleke Oluseye OGUNNAIKE; Oladele Joseph KEHINDE

    2011-01-01

    This study investigated personal value and its relationship with customer satisfaction in the Nigerian banking industry. Results implicated self-transcendence as having positive relationship with customer satisfaction while self-enhancement has negative relationship with customer satisfaction. It was also established that the overall personal value has significant effect on customer satisfaction. The research measures showed encouraging psychometric values. These findings were discussed and s...

  18. 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...

  19. 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

  20. 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.

  1. 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.

  2. 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.

  3. Investigating success factors influencing in e-CRM adoption: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Fariz Taherikia

    2015-01-01

    Full Text Available This paper aims to examine the effects of technology adoption and quality of websites on customer satisfaction as well as customer loyalty in banking industry. It also investigates the effect of electronic customer satisfaction on customer loyalty and the effect of electronic customer satisfaction on customer loyalty on e-CRM. The study is accomplished among managers of bank Sepah in city of Qom, Iran. Using structural equation modeling, the study has confirmed that there was a positive and meaningful relationship between the effects of technology adoption and quality of web services on electronic customer satisfaction and customer loyalty. The results also confirm the positive effect of customer satisfaction on customer loyalty, electronic customer satisfaction as well as electronic customer loyalty on e-CRM.

  4. 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.

  5. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Bank. 583.3 Section 583.3 Banks and Banking... AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by...

  6. Brand strategy in the Swedish banking industry : A comparative study of Nordea and SEB

    OpenAIRE

    Edström, Henrik; Algotsson, Christian; Folkesson, Emil

    2008-01-01

    A brand consists of more parts than the visible features such as names and logotypes. No matter in what industry a company is acting the brand in itself determines if the company will succeed or not. A successful brand is extremely hard to copy since two exactly similar brands do not exist. With a strong brand you create positive associations and form emotional relationships with customers. The purpose with this paper was to investigate how banks in the Swedish market explain their brand iden...

  7. Dishonest or professional behavior? Can we tell? A comment on: Cohn et al. 2014, Nature 516, 86-89, "Business culture and dishonesty in the banking industry"

    OpenAIRE

    Stöckl, Thomas

    2015-01-01

    By means of a coin tossing experiment Cohn et al. (2014, Nature 516, 86-89, doi:10.1038tinature13977) study business culture in the banking industry and report that employees of a large, international bank behave honestly in a control condition while a significant proportion of them becomes dishonest when their professional identity as bank employees is rendered salient. The authors conclude that the business culture in the banking industry weakens and undermines the honesty norm. We argue th...

  8. 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.

  9. 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.

  10. Effects of self-service technology on customer value and customer readiness: The case of banking industry

    Directory of Open Access Journals (Sweden)

    Parviz Khadem

    2013-07-01

    Full Text Available The recent development on internet banking has contributed to this industry, significantly. People could do their banking transactions by clicking a bottom and transfer funds, pay bills, etc. In this paper, we present an empirical investigation to find out the effects of different factors on continuous internet banking. The proposed study of this paper has adopted a questionnaire, which was originally developed by Ho and Ko (2008 [Ho, S. H., & Ko, Y. Y. (2008. Effects of self-service technology on customer value and customer readiness: The case of Internet banking. Internet Research, 18(4, 427-446.]. We have used Pearson correlation test as well as stepwise regression techniques to verify the effect of different factors and the results of our survey show that four variables of easy implementation, usefulness, cost reduction and self-control positively influence continuous internet banking.

  11. Role of development banks in promoting industrial energy efficiency: India case studies

    International Nuclear Information System (INIS)

    The Industrial Development Bank of India (IDBI) is the premier institution in India purveying financial assistance to the industrial-sector projects. Its annual lending amounts to $6 billion. Recognizing the need to increase lending for energy efficiency and environmental management (ee/em) projects, the Asian Development Bank (ADB) provided a $150 million line of credit to IDBI. These funds were lent to cement, steel, paper, sugar and other industries. Accompanying the line of credit, ADB also provided funds for technical assistance to strengthen IDBI's capability for the assessment of projects related to energy efficiency and environmental management (ee/em). The technical assistance (TA) focused on IDBI's institutional capability, the procedures it follows for lending in this area, studies of ten energy-intensive sectors, and training and data needs to improve its lending. The findings of the TA reveal a need to (1) use ee/em indicators during IDBI's appraisal, approval, and monitoring of projects, (2) increase the ee/em information resource base - in-house and out-house ee/em experts, handbooks, computerized data bases - that IDBI staff can access, and (3) increase awareness of ee/em components among industrial borrowers. The sector studies show that there is at least a 20% lag compared to best practice for energy use, and that a significant potential, $1.0 billion, exists for investment in ee/em activities. These activities include (a) housekeeping measures such as improved lighting, variable-speed motors/drives, improving power factor, etc., (b) installing co-generation and captive power generation units, and (c) changing manufacturing processes to more efficient and less polluting ones. Training and data needs were also identified which would improve IDBI's lending for energy efficiency and environmental management

  12. The Foreign Equity in Banking Industry and the Effectiveness of Corporate Governance: Essential or a Soap Opera?

    OpenAIRE

    Banu Dincer

    2012-01-01

    This study investigates the impact of foreign equity and foreign board members on corporate governance mechanisms in banking industry in a developing country. Using a data set of recent period and OLS regression model, the effect of board size and composition on performance is analyzed. The results indicate that the presence of foreign equity and board members forces banks to reorient the corporate strategy and reduce operating and total costs. Foreign board members’ independence appears to p...

  13. Does Technology Acceptance Change the Way from CRM to Customer Loyalty?: An Empirical Study on the Banking Industry

    OpenAIRE

    Yi-Yuan Liu

    2010-01-01

    This study explores the moderating effect of technology acceptance on the relationship between customer relationship management (CRM) in terms of distribution and tailor-made functions and customer loyalty in the banking industry. The author uses LISREL two-group path analysis to find the variances between high and low technology acceptance. Data collected from the customers of nine retail banks show that commitments have a mediating effect on the relationship between the tailor-made function...

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

    OpenAIRE

    Mahdi Eyvazi; Amin Reza Kamalian; Abolfazl Moghaddam

    2013-01-01

    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 em...

  15. The Temporalities of Working Lives: Orientations to Time in Career Portraits and in the London Banking Industry

    OpenAIRE

    Koessl, Gerald

    2013-01-01

    By elaborating a Bourdieusian methodological framework, this thesis explores the temporalities of working lives in two different empirical settings. First, in portraits of people’s careers featured in contemporary newspapers, and second, for two different kinds of workers associated with the banking industry in London. These two workforces consist of a group of people in their early and mid-careers who are involved in the ‘core’ activities of banks and a group of cleaning workers in the subco...

  16. Biological re-cultivation of industrial technological waste banks after steel production

    Science.gov (United States)

    Sokolovska, Maria; Zhiyanski, Miglena; Bech, Jaume

    2010-05-01

    The problem of re-cultivation of disturbed lands, after the creation of waste banks, is very important and of great scientific interest. The studies on the effectiveness of biological re-cultivation are focused mainly on activities and techniques for the acceleration of soil formation processes as. The relationship between substrate and plants is also studied, in order to create modern biotechnologies and contributes to the remediation of the re-cultivated lands within the territorial system. In this work we have studied three parts of an industrial waste bank named "The 7th of September" located in the green system of Sofia - Pernik agglomeration in Bulgaria. It consists of technological wastes produced by the steel industry. Its area of 20 dca is of special local importance. The aim of this study was to propose an appropriate technology for the biological re-cultivation, which could take place after all production activities had ceased. To achieve this aim a detailed study on the characteristics of climatic elements was carried out focusing on precipitation - limiting factor for future afforestation of waste banks. Analyses on hydro-physical and chemical parameters of substrates were undertaken in order to elaborate recommendations for their improvement and utility in biological re-cultivation. Here we present the characteristics of the vegetation which existed before the production activities and the approaches for choice of tree species in afforestation with different schemes and methods applied. On the basis of this study we were able to establish that the hydrological properties of substrates are quite similar to those of natural soils in the region. The variations obtained for some soil substrate layers were not significant. In relation to this we also outlined the quantity of organic matter and nutrient elements in waste banks as determining parameters for further biological re-cultivation. The studied site is located in the lower forest zone of the country

  17. 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.

  18. 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

  19. 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.

  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. 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.

  3. 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.

  4. DETERMINAN PROFITABILITAS BANK MELALUI Z-SCORE, STRUKTUR MODAL, SIZE, RISIKO KREDIT DAN PERMODALAN PADA INDUSTRI PERBANKAN NASIONAL

    Directory of Open Access Journals (Sweden)

    Anton Ferry Ananda

    2016-02-01

    Full Text Available This study aimed to analyze the influence of the value of the Z-Score, capital structure, size, credit risk and capital as measured by CAR on bank profitability. The object of this study is on the national banking industry. The sampling technique used in this research is purposive sampling. The sample in this study is a bank which went public on the Stock Exchange prior to the year 2013 and to publish financial statements in 2013 and 2014. The samples were 27 banks. Period study in 2013 and 2014. The analysis technique used multiple linear regression. The results showed that simultaneous Z-Score, capital structure, size, credit risk and capital effect on profitability. Partially value of the Z-Score, size, risk and CAR effect on profitability, while the capital structure policy has no effect on profitability.

  5. 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

  6. 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…

  7. Empirical Study of post-takeover performance in banking industry: comparison between U.S. and European bank acquisitions.

    OpenAIRE

    Miron, Lionel; Patel, Fabien

    2008-01-01

    Takeover is a business activity which really started in the beginning of the eighties and which still takes a strong part in the business and financial area all over the world. According to our studies as the desire for further acknowledgements and the desire of building a career around financial activities, this study has been naturally conducted in the banking area. Regarding the steady use of acquisition like a powerful process with some positive and negative sides, we decided to implement...

  8. Current Credit Risk Management Pr4actices in Chinese Banking Industry

    OpenAIRE

    Zheng, Hao

    2008-01-01

    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...

  9. Corporate performance, board structure, and their determinants in the banking industry

    OpenAIRE

    Renée B. Adams; Mehran, Hamid

    2008-01-01

    The subprime crisis highlights how little we know about the governance of banks. This paper addresses a long-standing gap in the literature by analyzing board governance using a sample of banking firm data that spans forty years. We examine the relationship between board structure (size and composition) and bank performance, as well as some determinants of board structure. We document that mergers and acquisitions activity influences bank board composition, and we provide new evidence that or...

  10. The Performance of Internet-Based Business Models: Evidence from the Banking Industry

    OpenAIRE

    Robert DeYoung

    2005-01-01

    The initial Internet bank startups tended to underperform branching bank startups. This suggested that Internet-only business models were not economically viable for banks. However, firms that pioneer new business models may benefit substantially from experience as they grow older, and firms that use automated production technologies may benefit from scale effects as they grow larger. Econometric analysis of Internet-only bank startups finds strong evidence of the latter, but not the former, ...

  11. Seabird data collected by the Grand Banks offshore hydrocarbon industry 1999-2002 : results, limitations and suggestions for improvement

    Energy Technology Data Exchange (ETDEWEB)

    Baillie, S.M.; Robertson, G.J. [Canadian Wildlife Service, Mount Pearl, NL (Canada); Wiese, F.K. [Washington Univ., Seattle, WA (United States). School of Aquatic and Fishery Sciences; Williams, U.P. [Petro-Canada, East Coast Operations, St. John' s, NL (Canada)

    2005-07-01

    Offshore oil operations attract and concentrate migratory seabirds through an artificially enhanced food supply and lights. In order to understand the vulnerability of seabirds near offshore oil facilities, the degree of association of seabirds with these sites must be determined. Offshore oil and gas exploration on Newfoundland's Grand Banks began in the early 1980s, with first oil produced in 1997 at the Hibernia fixed platform. Additional production followed in 2002 from the Terra Nova Floating Production Storage and Offloading Vessel. As the Grand Banks oil industry grows, seismic surveys continue to be conducted and an estimated 30,000 litres of crude oil and synthetic based drilling fluids have been spilled from exploration drilling, development drilling and production oil operations between 1997 and 2002. Most of the spills occurred in winter when the number of seabirds on the Grand Banks are highest and most vulnerable to oil pollution. This report presents an evaluation of the current Grand Banks offshore oil and gas development seabird monitoring programs. It focuses mostly on seabird monitoring on fixed platforms. The objective was to assess the scientific quality of seabird-related industry programs by compiling and summarizing all available spatial and temporal seabird abundance data and deck stranded birds associated with Grand Banks offshore oil platforms from 1997 to 2002. Data on seabird distributions at sea and stranded bird encounters was collected from 8 offshore hydrocarbon sites on the northeastern Grand Banks. It was recommended that a standardized seabird monitoring and observer training program for the offshore operations in the Grand Banks region be implemented. 43 refs., 5 tabs., 16 figs., 3 appendices.

  12. 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.

  13. Denying Foreign Bank Entry: Implications For Bank Interest Margins

    OpenAIRE

    Ross Levine

    2003-01-01

    This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

  14. 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.

  15. ASPECTS OF THE CONTRIBUTION OF BANKING AND INDUSTRIAL CAPITAL TO THE DEVELOPMENT AND MODERNIZATION OF GOLD MINING DURING THE EXISTENCE OF „MICA” COMPANY (1920-1948)

    OpenAIRE

    MIRCEA BARON

    2007-01-01

    The paper approaches certain aspects regarding the involvement of the banking and industrial capital in the development and modernization of gold mining during the existence of „Mica” Company (1920-1948). The paper presents the political and economic factors contributing to the positive results in the field. It also provides examples of the way in which the banking and industrial capital was involved in: the nationalization of the Romanian industry in general, and of mining in particular; the...

  16. 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.

  17. Firm Growth and Efficiency in the Banking Industry: A new test of the efficient structure hypothesis

    OpenAIRE

    Homma, Tetsushi; Tsutsui, Yoshiro; UCHIDA Hirofumi

    2012-01-01

    This paper proposes a new test of the efficient structure hypothesis by directly examining the relation between firm efficiency and firm growth. This is also a test of the so-called quiet-life hypothesis. Applying this test to large banks in Japan, we find that more efficient banks become larger, which is consistent with the efficient structure hypothesis. We also find that market concentration reduces banks' cost efficiency, which is consistent with the quiet-life hypothesis. These findings ...

  18. Learning by Lending, Competition, and Screening Incentives in the Banking Industry

    OpenAIRE

    Giovanni, de, C.; Ariccia#x2019

    2000-01-01

    This paper shows that banks may have an incentive to reduce screening when the proportion of untested borrowers on the market increases, leading to a deterioration of their portfolios and a contraction of their profits. The paper addresses the issue in the context of a simple model where banks compete solely on screening and in a more complex model where banks compete by offering borrowers a menu of contracts. The results have policy implications with regard to financial liberalization, lendi...

  19. IDENTIFYING AND VALIDATING DIMENSIONS OF SERVICE QUALITY FOR THE BANKING INDUSTRY IN MALAYSIA

    OpenAIRE

    Firdaus Abdullah; Jasmine Vivienne Andrew; Voon Boo Ho

    2010-01-01

    Excellent service quality is crucial to business survival in the present banking environment in order to gain competitive advantage and corporate profitability. Thus, it is essential to analyze the means of measuring and evaluating service quality provided by banking institutions as they adjust to the dynamic changes in the banking environment. Previous studies have produced scales that bear a resemblance to generic measures of service quality, which may not be totally adequate in assessing t...

  20. Market Timing, Maturity Mismatch, and Risk Management: Evidence from the Banking Industry

    OpenAIRE

    Ruprecht, Benedikt; Entrop, Oliver; Kick, Thomas; Wilkens, Marco

    2013-01-01

    We investigate financial intermediaries' interest rate risk management as the simultaneous decision of on-balance-sheet exposure and interest rate swap use. Our findings show that both decisions are substitute risk management strategies. A higher likelihood of bank distress makes banks reduce their on-balance sheet interest rate exposure and simultaneously intensify their swap use. Exogeneity tests indicate that both decisions are only endogenous to each other for banks that start using swaps...

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

    OpenAIRE

    Kashif Rashid; Aqil Waqar Khan

    2014-01-01

    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 a...

  2. 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.

  3. 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

  4. Reviews on Market Structure and Efficiency of China Banking Industry%我国银行业市场结构与效率研究综述

    Institute of Scientific and Technical Information of China (English)

    吴海燕

    2012-01-01

    This paper makes an overview on market structure and efficiency of banking industry and applicability of S-C-P structure in banking industry,and proposes,according to the specific situation of China’s banking industry,the ways of further study on the market structure and efficiency of banking industry during the period of economic transition.%对银行业市场结构、银行效率及S-C-P结构在银行业适用性相关问题进行了综述,同时结合我国银行业发展的具体情况,提出经济转轨时期银行业市场结构和效率进一步研究的方向。

  5. 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.

  6. Firm Growth and Efficiency in the Banking Industry : A New Test of the Efficient Structure Hypothesis

    OpenAIRE

    Homma, Tetsushi; Tsutsui, Yoshiro; UCHIDA Hirofumi

    2012-01-01

    This paper proposes a new test of the efficient structure hypothesis by directly examining the relation between firm efficiency and firm growth. This is also a test of the so-called quiet-life hypothesis.Applying this test to large banks in Japan, we find that more efficient banks become larger, which is consistent with the efficient structure hypothesis. We also find that market concentration reduces banks’ cost efficiency, which is consistent with the quiet-life hypothesis. These finding...

  7. Investigating the relationship between service quality and customer loyalty: A case study of banking industry

    OpenAIRE

    Aliakbar Aghaei; Mohammad Ali Mostafapour; Hamid Rezaei

    2013-01-01

    The present study investigates the relationship between service quality and customer loyalty in one of Iranian banks in province of Golestan, Iran named Bank Melli Iran. The population of the study consists of all customers of this branch. Using Kersity-Morgan table and simple random sampling, a number of 384 customers were selected as the participants of the study. The method of research is descriptive-correlation with a survey design. SERVQUAL scale and a researcher-made questionnaire were ...

  8. Cash limitations : Strategy and control on a functional level in the banking industry

    OpenAIRE

    Tingström, Lovisa; Kulesa, Linda

    2015-01-01

    In today’s ever-evolving society the use of cash is replaced by digital services in the banking sector. Some local banks restrict manual cash handling while others remove it completely. This essay examines how management accounting is affected by restricted cash handling. The theory clarifies that management accounting strategies create guidelines and provides specific framework for employees and managers in the organization. If the strategy is unclear employees may have difficulty knowing ho...

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

    OpenAIRE

    Guillermo Jopen Sánchez

    2013-01-01

    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, marke...

  10. Career Stage Effect on Organizational Commitment: Empirical Evidence from Indian Banking Industry

    OpenAIRE

    Sandhu, H.S.; Kanwaldeep Kaur

    2010-01-01

    This study examines the career stage effect on organizational commitment of bank employees. The subjectsincluded 660 clerical and managerial staff of Indian banks operating in the state of Punjab in northern India.Organizational commitment has been measured by Meyer et al.’s (1993) Organizational Commitment Scale.Career stages were identified by each respondent’s self- reported age, and tenure in the organization. Results ofthe study revealed significant differences in organizational commitme...

  11. Market structure and the diffusion of e-commerce: Evidence from the retail banking industry

    OpenAIRE

    Allen, Jason Van; Clark, Robert; Houde, Jean-François

    2008-01-01

    This paper studies the role that market structure plays in affecting the diffusion of electronic banking. Electronic banking (and electronic commerce more generally) reduces the cost of performing many types of transactions for firms. The full benefits for firms from adoption, however, only accrue once consumers begin to perform a significant share of their transactions online. Since there are learning costs to adopting the new technology firms may try to encourage consumers to go online by a...

  12. Using Behavioral Economics to Analyze Credit Policies in the Banking Industry

    OpenAIRE

    David Peón; Anxo Calvo

    2012-01-01

    2008 world financial meltdown highlighted significant shortcomings on procedures used by the banking sector to provide credit to the real economy. A long period of indulgence granting personal loans and mortgages that boosted a credit bubble all over the world has been followed by an era of suspicion within the banking sector, precipitating the liquidity crunch and the credit squeeze to private agents. Behavioral Finance has emerged as an alternative approach to analyze efficiency on financia...

  13. 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.

  14. Intangible Assets and Profitability in the Italian Banking Industry: Which Relationship?

    Directory of Open Access Journals (Sweden)

    Fabio Piluso

    2013-11-01

    Full Text Available Purpose of this paper is to value the role of the human capital in the profitability production within the Italian Mutual Bank (Bcc; to achieve this, we provide for the carrying out of an analysis on a sample of 209 of the above-mentioned banks using the Pulic’s VAICTM methodology (1998, in a five-year period of time (2006-2010.Obviously, we will use what the specialized literature gives us, which offers interesting and in-depth hints about the intellectual capital, but only referred to the listed medium-large banks; as far as we know there are no analysis and assessments over the local banks which, apart from their dimension, have a more and more nerve role in the financing of the real economy. The results of our analysis show clearly how the human capital has a meaningful role on the banks’ profitability, especially those which let the active presence in the territory be a setting value of their own business mission. At a territorial level, the Bcc of the South show steadier marginal effects than their sister companies of the North. In a historical period characterized by evident phenomena of credit crunch put into action by the great banks on the real economy, the banks’ local model and centrality of the human capital which characterize them still represents a value on which set up the sustain and the revival of the economy in the territory.

  15. The impact of financing method on performance of private banking industry

    Directory of Open Access Journals (Sweden)

    Ali Rouhi

    2013-02-01

    Full Text Available Banking sector has been one of the fastest growing sectors in Iran due to changes in regulations in private banks. In this paper, we perform a survey on the effect of structure of financing on banking performance. The main question of this survey is whether there is any relationship between different methods of financing private banks in terms of their performances. The survey investigates relationship between changes in debt ratio with return of assets, between changes in time dependent investments and return of assets, between changes in long-term investments and return of assets. Finally, we study whether there is a relationship between changes in ratio of total equities to total assets on return of assets. The proposed study of this paper considers three private banks whose shares have been traded on Tehran Stock Exchange namely Eghtesad Novin, Parsian and Saman. The information has been collected over the period 2006-2010. The results of this study indicates that there are some positive and meaningful relationships between changes in time dependent investments, changes in long-term investments ratio of total equities to total assets with return of assets. However, the study did not find any meaningful relationship between changes in total equities to total assets and return of assets.

  16. 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.

  17. 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.

  18. Investigating the relationship between service quality and customer loyalty: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Aliakbar Aghaei

    2013-07-01

    Full Text Available The present study investigates the relationship between service quality and customer loyalty in one of Iranian banks in province of Golestan, Iran named Bank Melli Iran. The population of the study consists of all customers of this branch. Using Kersity-Morgan table and simple random sampling, a number of 384 customers were selected as the participants of the study. The method of research is descriptive-correlation with a survey design. SERVQUAL scale and a researcher-made questionnaire were used to examine service quality and customer loyalty, respectively. Pearson correlation formula was run to analyze the data. The results showed a significant relationship between different aspects of service quality and customer loyalty in this particular branch of bank.

  19. 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.

  20. Softening Competition by Enhancing entry : An Example from the Banking Industry

    NARCIS (Netherlands)

    Bouckaert, J.M.C.; Degryse, H.A.

    2002-01-01

    We show that competing firms relax overall competition by lowering future barriers to entry.We illustrate our findings in a two-period model with adverse selection where banks strategically commit to disclose borrower information.By doing this, they invite rivals to enter their market.Disclosure of

  1. 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,…

  2. The Learning Organisation--Myth or Reality? Examples from the UK Retail Banking Industry.

    Science.gov (United States)

    Harris, Lisa

    2002-01-01

    Interviews with 42 bank managers considered learning in the context of new technological projects. Case studies of projects provide evidence that learning from past mistakes is the exception and, therefore, even successful projects had a limited impact on organizations. (Contains 22 references.) (JOW)

  3. 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…

  4. Developing an Engineering Data Bank Service for the Precision Machinery Industry Cluster Using the Living Lab Concept

    Directory of Open Access Journals (Sweden)

    Kuo-Shu Luo

    2012-09-01

    Full Text Available In Taiwan the precision machinery industry has always played an important role in promoting important industrial upgrades. Small and medium enterprises (SMEs account for the vast majority of participants in this industry. Because of their size and number they face a number of problems. These include difficulty in responding quickly to market demand, a low level of collaboration, and insufficient interaction between designers in central factories and the subcontractors who manufacture components for them. Taiwan’s i236 initiative applied a Living Lab Concept, along with information and communication technology (ICT, to develop a cloud-based ‘Engineering Data Bank Service’ to act as a hub for gathering data together from a local precision machinery industry ecosystem. The Taichung City Precision Machinery Innovation Technology Park was selected as the test site. After deploying the service to more than 400 SMEs, it is found that this service has a low deployment cost, and can indeed effectively enhance the working efficiency of R&D personnel and increase the interaction between central factories and subcontractors, thereby enhancing the international competitiveness of the precision machinery industry in Taiwan.

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

    OpenAIRE

    Hossein Gazor; Babak Nemati; Amir Ehsani; Kianoush Nazari Ameleh

    2012-01-01

    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 ...

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

    OpenAIRE

    Alireza Davoudzadeh Moghaddam; Yasaman Mashhadi Farahani

    2015-01-01

    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 influe...

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

    OpenAIRE

    Gutiérrez-García, E. (Elena); Sádaba, T. (Teresa)

    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 ...

  8. 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...

  9. Efficiency of Commercial Banks in Malaysia

    OpenAIRE

    Mohd. Azmi Omar; Abdul Rahim Abdul Rahman; Rosylin Mohd. Yusof; M. Shabri Abd. Majid; Mohd. Eskandar Shah Mohd. Rasid

    2006-01-01

    This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measu...

  10. 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...

  11. Industrial Risk Exposure and Performance of Commercial Banks%商业银行行业风险敞口与商业银行绩效

    Institute of Scientific and Technical Information of China (English)

    刘志洋; 苏辛

    2016-01-01

    商业银行的行业风险敞口与商业银行绩效密切相关。中国数据实证分析表明,银行财务报表中会计占比较大的行业并非是市场认为的银行风险敞口最大的行业;股份制商业银行对各行业风险敞口较高。整体上商业银行对各行业的风险敞口对商业银行股票波动率、收益率和市值与账面价值之比具有显著影响,但行业风险敞口对银行系统性风险贡献度的影响不显著。%There are close relationships between the performance and industrial risk exposure of commercial banks.Our empirical study based on Chinese listed commercial banks shows that industries that have a great proportion in banks'financial report are not necessarily the industries to which the market thinks that bank have a great risk exposure,and joint-stock commercial banks have a higher exposure to industries.In all,industrial factors have a significant impact on stock return,stock volatility and the ratio between the market value and the book value of listed commercial banks,but do not have significant impact on banks'systemic risk contribution.

  12. Firm Growth and Efficiency in the Banking Industry : A New Test of the Efficient Structure Hypothesis

    OpenAIRE

    Homma, Tetsushi; Tsutsui, Yoshiro; UCHIDA Hirofumi

    2014-01-01

    In this paper we propose a new test of the efficient structure (ES) hypothesis, which predicts that efficient firms come out ahead in competition and grow as a result. Our test has significant advantages over existing ones, because it is more direct, and can jointly test the so-called quiet-life hypothesis, which predicts that in a concentrated market firms do not minimize costs. We then apply this test to large banks in Japan. Consistent with the ES hypothesis, we find that more efficient ba...

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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.

  18. 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...

  19. 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.

  20. 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.

  1. 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...

  2. 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.

  3. 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.

  4. WORKSPACE AS A FACTOR OF JOB SATISFACTION IN THE BANKING AND ICT INDUSTRIES IN MACEDONIA

    Directory of Open Access Journals (Sweden)

    Ana Tomovska–Misoska

    2014-10-01

    Full Text Available Job satisfaction has always been an interesting topic among the business community. One important aspect that gains more and more prominence is the relationship between physical aspects of the workspace and experienced level of job satisfaction. Although there is numerous research exploiting the link between workspace and job satisfaction in European and worldwide companies there is a lack of such research in the Republic of Macedonia and the Balkan region. Therefore the objective of this study is to investigate the relation between physical workspace environment, workspace satisfaction and employees’ job satisfaction in the banking and ICT sector in the Republic of Macedonia. The study is quantitative using a questionnaire as a main research instrument implemented among 250 employees. The analysis is concentrated on uncovering the impact of various aspects of the workspace design and personalization of the workspace on workplace satisfaction and through that on job satisfaction. The results confirm that workspace satisfaction and job satisfaction depend on various elements of workspace design. Therefore significant attention should be paid to employees’ perception of the workspace and the design of various aspects of the workspaces.

  5. 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.

  6. A program to develop the domestic natural gas industry in Indonesia: Case history of two World Bank projects

    International Nuclear Information System (INIS)

    Indonesia depends heavily on revenues from the export of LNG and oil, the availability of which appears to be decreasing. It is therefore making a strong effort to accelerate development of a domestic natural gas industry. A high priority has been given to the conversion of power plants and city gas systems, including local industries and commercial facilities, from liquid fuels to natural gas. This will release more oil for export, help to meet the objectives of Repelita V, and provide substantial environmental benefits. The World Bank recently provided loans to the Indonesian Government for two projects that are aimed at substituting natural gas for oil and manufactured gas in domestic markets. One project involves expansion of the gas distribution systems of Indonesia's natural gas utility (PGN) in three cities: Jakarta and Bogor in Java, and Medan in Sumatra. The project also includes training programs for PGN staff and an energy pricing policy study to be carried out by Indonesia's Ministry of Mines and Energy. The second project involves expansion of the supply of natural gas for Surabaya and twelve other towns in its vicinity in East Java, and further expansion of Medan's supply system. Technical assistance will be provided to enhance the skills ofPGN and the Ministry of Mines and Energy, and a Gas Technology Unit similar to the Institute of Gas Technology will be established at Indonesia's Research and Development Center for Oil and Gas (LEMIGAS) in Jakarta. 14 refs., 3 figs., 11 tabs

  7. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  8. CORPORATE REPUTATION MEASUREMENT FOR THE PRIVATELY RUN BANKING INDUSTRY IN TAIWAN

    OpenAIRE

    Jui-Kuei Chen; I-Shuo Chen

    2009-01-01

    A corporation’s reputation can impact customer loyalty and behavior (Barich & Kotler, 1991; Nha & Gaston, 2001). It can also increase a firm’s competitive advantage (Hoopes et al., 2003), especially for firms in the service industry (Cretu & Brodie, 2007). More than ever before, people in Taiwan seek to receive high levels of quality service. That is, firms with better corporate reputations have more opportunities to earn a profit from customers. A previous review indicated there is an in...

  9. Boards of Banks

    OpenAIRE

    Daniel Ferreira; Tom Kirchmaier; Daniel Metzger

    2011-01-01

    We show that country characteristics explain most of the cross-sectional variation in bank board independence. In contrast, country characteristics have little explanatory power for the fraction of outside bank directors with experience in the banking industry. Exploiting the time-series dimension of the sample, we show that changes in bank characteristics are not robustly associated with changes in board independence, while changes in board experience are positively related to changes in ban...

  10. 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.

  11. Conservation and concealment in SpeciesBanking.com, USA: an analysis of neoliberal performance in the species offsetting industry

    OpenAIRE

    Pawliczek, J.; Sullivan, Sian

    2011-01-01

    Market-based strategies are promoted as neoliberal governance solutions to environmental problems, from local to global scales. Tradable mitigation schemes are proliferating. These include species banking, which enables payments for the purchase of species credits awarded to conserved areas to offset development impacts on protected species elsewhere. An analysis of species banks in the USA through a survey of data from the website www.SpeciesBanking.com (established a...

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

    OpenAIRE

    Gbongli Komlan; Dumor Koffi; Kissi Mireku Kingsford

    2016-01-01

    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 fac...

  13. 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

  14. 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.

  15. Impact of E-Banking on Traditional Banking Services

    Directory of Open Access Journals (Sweden)

    Shilpan Vyas

    2012-06-01

    Full Text Available Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to have" service. The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services.This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and limitations of e-banking. It will also show the impact of e-banking on traditional services and finally the result documentation.

  16. 我国银行业对外开放的效应与测度%Effects and Measurement on the Opening-up of China Banking Industry

    Institute of Scientific and Technical Information of China (English)

    姚世鑫

    2012-01-01

    This paper introduces the current situation on the opening-up of China banking industry, and describes the positive and negative effects of the opening-up. Then the opening rate of China banking industry in 2004-2010 was measured by using the analytic hierarchy process, and the fluctuations of the samples were analyzed in this paper. Meanwhile, the policy suggestions for the opening-up of banking industry were put forward.%该文介绍了我国银行业对外开放的现状,阐述了对外开放给我国银行业带来的正反面效应,并利用层次分析法对我国银行业2004--2010年的对外开放度进行测算,分析了样本期间对外开放度的波动情况,提出了我国未来银行业的开放问题的政策建议。

  17. 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.

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

    OpenAIRE

    Ali Sanayei; Arash Shahin; Hamideh Salimian

    2014-01-01

    Abstract 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 activ...

  19. On the uniqueness of community banks

    OpenAIRE

    Scott E. Hein; Timothy W. Koch; Steven Scott MacDonald

    2005-01-01

    To the public, all banks seem alike. But banking insiders make important distinctions between community banks and all other banks. Policymakers worry that community banks’ unique characteristics threaten their survival in the face of industry consolidation. However, despite dramatic regulatory and technological changes in the industry in the past two decades, community banks have not only survived but often prospered. ; This article explores the differences between community banks and larger ...

  20. 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...

  1. Inflation and unemployment in OECD countries: The role of political ideologies, central bank independance and industrial relations

    OpenAIRE

    BORGHIJS, Alain; Di Bartolomeo, Giovanni; Merlevede, Bruno

    2003-01-01

    This paper considers the effects of central bank independence, labor market institutions and the political partisanship on economic performance. In particular, we test if the partisanship of the government and the degree of central bank independence affect the relationship between labor market institutions and economic performance. We find evidence of interaction effects between the government’s partisanship and the labor market institutions. An increase in union density favors a left-wing go...

  2. Islamic Banking

    OpenAIRE

    BLÁHA, Jakub

    2014-01-01

    The aim of this bachelor thesis is to introduce the Islamic banking. Describing historical and religious background of Islam, the Islamic banking and Shari'ah law. Then presenting financing techniques used in the Islamic banking. Eventually describing and analysing the Islamic banking in Malaysia. Comparison between the Islamic banking and the conventional banking is given throughout the bachelor thesis.

  3. 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.

  4. 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

  5. Islamic economics, banking and finance.

    OpenAIRE

    Dastgir, Shabbir

    2015-01-01

    The normal operations of commercial banks in Western economies do not conform to the religious requirements of the Islamic faith. In this article, Shabbir Dastgir explores the differences and outlines how the worldwide industry in Islamic banking has developed new banking practices.

  6. Liberalização e desregulamentação bancária: motivações, consequências e adaptações [Liberalization and deregulation in the banking industry: motivations, outcomes, and adaptations

    OpenAIRE

    Marcos Roberto Vasconcelos; Eduardo Strachman; José Ricardo Fucidji

    2003-01-01

    Over the last two decades, almost all countries in the world have experienced a noticeable process of liberalization and deregulation. This process has both motivated and propelled changes in the very competitive dynamics of the banking industry. Therefore, various OECD countries have changed their regulatory/prudential practices concerning the banking market, in order to make them more suitable to the new competitive environment. Conversely, liberalization and deregulation in developing coun...

  7. Liberalização e desregulamentação bancária: motivações, consequências e adaptações
    Liberalization and deregulation in the banking industry: motivations, outcomes, and adaptations

    OpenAIRE

    Marcos Roberto Vasconcelos; Eduardo Strachman; José Ricardo Fucidji

    2003-01-01

    Over the last two decades, almost all countries in the world have experienced a noticeable process of liberalization and deregulation. This process has both motivated and propelled changes in the very competitive dynamics of the banking industry. Therefore, various OECD countries have changed their regulatory/prudential practices concerning the banking market, in order to make them more suitable to the new competitive environment. Conversely, liberalization and deregulation in developing coun...

  8. 外资银行进入对我国银行业竞争度的影响--基于Panzar-Rosse模型的实证研究%The Effects of Foreign Banks Entry on the Competition Degree in Banking Industry of China---Based on Empirical Research of Panzar-Rosse Model

    Institute of Scientific and Technical Information of China (English)

    周立; 王涛; 赵玮

    2014-01-01

    In this paper the authors apply the Panzar-Rosse model to assess the degree of market competition in the banking industry of China between 1997 and 2011, and then analyze the relationship between foreign bank penetration and the degree of market competition empirically. The empirical results suggest that the banks China are operation under monopo-listic competition and the competition in banking industry is U-shaped curve, and the degree of competition dropped signifi-cantly after the financial crisis in 2008. The asset share of foreign banks is negatively correlated with the degree of market competition, while the number of foreign banks is not relevant to the degree of market competition, so foreign banks entry can not promote the market competition in China banking industry. Chinese banking market gradually developed is the root reason of the change of the degree of market competition.%1997~2011年这15年间我国银行业处于垄断竞争状态,市场竞争度呈现先减后增的U型变化趋势,而2008年国际金融危机后我国银行业市场竞争度下降。外资银行资产份额与市场竞争程度存在负相关关系,而机构数量与竞争度不相关,外资银行进入未能促进我国银行业的竞争,中国银行业市场逐步发展完善是市场竞争度变化的根本原因。

  9. 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.

  10. 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.

  11. The Effect of Banks Merger on Electronic Banking Services Competency

    OpenAIRE

    Ahmad Z. Siam

    2009-01-01

    Problem statement: This study is conducted to present benefits and consequences of latest technology used in banking industries. In addition, it has focused on the dynamics of banking sector, electronic banking services and new courses especially with mergers that constitute most of these mechanisms. Approach: The study discussed this new activity and the extent of response level of services while the need, wants and demands of customers are met. Furthermore, how banks deal with such services...

  12. 银行业的协调与配置--以德意志银行为例%The allocation of resources and coordination in Deutsche Banking industry

    Institute of Scientific and Technical Information of China (English)

    张超

    2015-01-01

    近年来,银行业面临一些新的机遇和挑战:经济发展的全球化和世界经济一体化提供了一个广阔的市场;顾客不再仅仅局限于国内,而是来自世界各地;与此同时,竞争对手也遍布全球。随着政府对于银行管制的逐步放松及进入壁垒的逐步瓦解,银行同其它金融机构的竞争日益激烈,而非金融机构的进入则更加剧了这一竞争。差异化和标准化经营可以帮助传统银行应对激烈的竞争,摆脱目前举步维艰的局面。但如何协调二者关系则成为摆在银行业面前的新的难题。文章以德意志银行为例,借助波特价值链理论,通过分析其价值链活动的跨国配置,选择与之相适应的协调机制,给出相关建议,以期对我国银行如何面对当前激烈的竞争具有一定借鉴意义。%In recent years, the banking industry is facing new opportunities and challenges:the globalization and the world economic integration of the economic development has provided a broad market;the customer is no lon-ger only confined to the own country, but from all over the world;at the same time, competitors also spread all over the world. With the gradual relaxation of government regulation to the banks and the gradual disintegration of barriers to join, the competition between the other financial institutions and banks has increasingly become fierce, the joining of the non-financial institutions has even intensified the competition. Differentiation and standardization management could help traditional banks to deal with the fierce competition and get rid of the current difficult situa-tion. But how to coordinate the relationship between them has become a new problem in front of the banking indus-try. Taking the Deutsche Banks as examples, with the Porter value chain theory, by analyzing the transnational configure of their value chain activities and choosing the suitable coordination mechanism, this paper will

  13. Developing an Engineering Data Bank Service for the Precision Machinery Industry Cluster Using the Living Lab Concept

    OpenAIRE

    Kuo-Shu Luo; Shiang-Shin Lin; Kuei Kai Shao; Hui-Hua Lin

    2012-01-01

    In Taiwan the precision machinery industry has always played an important role in promoting important industrial upgrades. Small and medium enterprises (SMEs) account for the vast majority of participants in this industry. Because of their size and number they face a number of problems. These include difficulty in responding quickly to market demand, a low level of collaboration, and insufficient interaction between designers in central factories and the subcontractors who manufacture compone...

  14. Internet Banking

    Directory of Open Access Journals (Sweden)

    Felician ALECU

    2006-01-01

    Full Text Available Internet Banking (known also as online banking allows performing transactions and payments over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. No special software or hardware is usually needed.

  15. 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.

  16. 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。

  17. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

    Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

  18. Liberalização e desregulamentação bancária: motivações, consequências e adaptações Liberalization and deregulation in the banking industry: motivations, outcomes, and adaptations

    Directory of Open Access Journals (Sweden)

    Marcos Roberto Vasconcelos

    2003-01-01

    Full Text Available Over the last two decades, almost all countries in the world have experienced a noticeable process of liberalization and deregulation. This process has both motivated and propelled changes in the very competitive dynamics of the banking industry. Therefore, various OECD countries have changed their regulatory/prudential practices concerning the banking market, in order to make them more suitable to the new competitive environment. Conversely, liberalization and deregulation in developing countries have often been started and deepened without any prior effort to strengthen and/or change the banking regulatory arrangements. The aim of this paper is to outline some features of such a process, by underlining some of the observed outcomes in the countries where it has gone further as well as the necessary adaptations for the banking regulation policy.

  19. Hidden cost reductions in bank mergers: accounting for more productive banks

    OpenAIRE

    Simon H. Kwan; Wilcox, James A.

    1999-01-01

    Over the past decade, the banking industry has undergone rapid consolidation; indeed, on average, for the past three years there were more than two bank mergers every business day. Before the 1990s, most bank mergers involved banks with less than $1 billion in assets; more recently, even the very largest banks have merged with other banks and with nonbank financial firms. ; Globalization, technological advances, and regulatory retreat are often cited as factors that have stimulated and allowe...

  20. 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.

  1. 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.

  2. 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.

  3. Evaluating Agricultural Banking Efficiency Using the Fourier Flexible Functional Form

    OpenAIRE

    Yu, Yingzhuo; Escalante, Cesar L.; Deng, Xiaohui

    2007-01-01

    This study applied more flexible cost functional form, Fourier Flexible Functional Form, and tested the validity of the Translog cost functional form as to estimate the cost function incorporating risk and loan's quality for banking industry. Meanwhile, the study extended four different cost efficiency measures for banking industry not only among different sized banks but also between commercial banks and agricultural banks. And thereafter, by evaluating these efficiency measures, banks will ...

  4. 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.

  5. LEADERSHIP APPROACH IN SMALL SCALE INDUSTRIES IN GHANA : A Case Study Of Data Bank Financial Service Limited-Ghana

    OpenAIRE

    Ashie, Leticia

    2014-01-01

    The viability of any organization begins from the fundamental leadership approach or principle adopted. Studies have shown that leadership approach could be a contributing factor to the success or failure of any institution. The purpose of this research was to examine the leadership approach in the small scale industries in Ghana. Transformational, Transactional and Laissez-fair forms are the three types of leadership styles reviewed in this study while employee dedication was also considered...

  6. Economic Analysis of Islamic Banking in Pakistan

    OpenAIRE

    Shaikh, Salman

    2013-01-01

    Islamic banking has achieved substantial growth in Pakistan and all over the world in the last two decades or so. Despite the financial and economic crisis of 2007 and afterwards, the Islamic banking industry has witnessed exemplary and uninterrupted growth. In Pakistan, it has achieved market share of almost 9% in the banking industry. There is vast literature available on explaining the features and mechanics of Islamic banking; however, limited attention has been paid on the thorough analy...

  7. 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.

  8. 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.

  9. 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.

  10. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

    To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

  11. 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. PMID:16445200

  12. Industry

    International Nuclear Information System (INIS)

    This chapter of the environmental control report deals with the environmental impact of the industry in Austria. It gives a review of the structure and types of the industry, the legal framework and environmental policy of industrial relevance. The environmental situation of the industry in Austria is analyzed in detail, concerning air pollution (SO2, NOx, CO2, CO, CH4, N2O, NH3, Pb, Cd, Hg, dioxin, furans), waste water, waste management and deposit, energy and water consumption. The state of the art in respect of the IPPC-directives (European Integrated Pollution Prevention and Control Bureau) concerning the best available techniques of the different industry sectors is outlined. The application of European laws and regulations in the Austrian industry is described. (a.n.)

  13. 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.

  14. Banks: Colleges - A Joint Undertaking.

    Science.gov (United States)

    Cordy, Thomas O.

    The banking industry has recognized an increasing need to recruit, hire, and train minorities for positions within the industry. Following this line of thought, the American Bankers Association (ABA) formed a task force composed of bankers and black college educators to develop a program mutually beneficial to industry as well as colleges. A Black…

  15. "Governance and Performance of Banks in Prewar Japan: Testing the "Organ Bank" Hypothesis Quantitatively"

    OpenAIRE

    Tetsuji Okazaki; Kazuki Yokoyama

    2001-01-01

    More than forty years ago, Kato[1957] posed the organ bank hypothesis. Namely, he stressed that in prewar Japan, many of the banks were tightly connected with certain industrial companies, and those banks loosely gave loans to the connected companies, which eventually resulted in the Showa Financial Crisis. This view has been widely accepted by economic historians. However, there has been no attempt to test the organ bank hypothesis quantitatively. In this paper, we tested the organ bank hypo...

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

    OpenAIRE

    R.A. Gbadeyan; O. O. AKINYOSOYE – GBONDA

    2011-01-01

    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 ...

  17. 中国银行业市场结构分析及其优化途径%Analysis and Optimization Countermeasures on the Market Structure of Chinese Banking Industry

    Institute of Scientific and Technical Information of China (English)

    魏琳

    2012-01-01

    In the view of industrial organization, this paper examined the market share and concentration ratios of the banking assets, deposit, loans and profit quota; and it was found out that chinese banking market is undergoing the transitional stage from oligopolistic market to the competitive one. Furthermore, the financial indexes of the banking industry were estimated and the current market performance was assessed from the aspects of profitability, cost and security. Based on the previous analysis, the problems existed in the current banking market structure were stated and the corresponding optimization approaches were put forward.%从产业组织的角度,对银行业资产、存贷款和利润指标的市场份额和集中度的测定,得出中国银行业市场正处于寡占向竞争过渡的阶段。同时,通过对银行业各项财务指标的测算,从盈利性、成本费用、流动性和安全性等方面对市场绩效现状进行了分析,发现了当前银行业市场结构中存在的问题,并指出了相应的优化途径。

  18. The evolving landscape of banking

    NARCIS (Netherlands)

    A.W.A. Boot; M. Marinč

    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

  19. 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.

  20. 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,

  1. The European Central Bank and financial supervision

    OpenAIRE

    Eijffinger, S.C.W.

    2004-01-01

    Analyzing ongoing changes in the design of regulatory and supervisory authorities over the banking and financial industry in Europe, this comprehensive Handbook pays particular attention to the role of national central banks, the new financial supervisory authorities and the European Central Bank (ECB).

  2. Analisis Komparatif Kinerja Keuangan antara Bank Syariah dan Bank Konvensional Berdasarkan Metode Camel

    Directory of Open Access Journals (Sweden)

    Armanto Witjaksono

    2011-04-01

    performance of Islamic banks and conventional banks (Hi. Researchers used a parametric statistical technique, which consists of test data normality using the Kolmogorov Smirnov test and QQ plots, test of homogeneity using the F test (Levene's Test, and Independent Sample T-Test with significant value 5% confidence level (1 - α = 95%. The results showed that the ratio of data CAMEL Islamic banks and conventional banks in normal distribution and homogeneous. Then it can be concluded that the variable CAR, NPL, and LDR between conventional banks and Islamic banks have significant differences, while the ROA and ROE of the two types of banking industry is not significantly different or relatively the same.

  3. 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:

  4. 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。

  5. Factors Affecting the Adoption of Internet Banking in Nigeria

    OpenAIRE

    Peter, Alex Alecheni O.

    2015-01-01

    The aim of this study is to investigate customer’s point of view towards internet banking services and to identify some of the factors preventing customers from using internet banking in Nigeria. Fast growing industry of banking and the increased demand for bank services require a reliable infrastructure to meet the needs of customers through providing efficient services. Development of computer technology, especially the internet has made the banking industry offer services to customers in m...

  6. Credit Risk Management in Banking Institutions: Comparison between Chinese Banks and UK Banks

    OpenAIRE

    Yu, Lin

    2009-01-01

    The recent international financial market turmoil has a great effect on the banking industry; accordingly it is very necessary to investigate the topic of the credit risk management. This paper mainly discusses the importance, current situation, ways and guidelines of the credit risk management for the banking industry. A large number of literatures are integrated in order to illustrate and explain recent developments in both methods and principles of credit risk management. Meanwhile, some e...

  7. Industrialization

    International Nuclear Information System (INIS)

    This chapter discusses the role-plays by nuclear technology to enhance productivity in industry. Some of the techniques, Non-Destructive Testing (NDT) - x, gamma, electron and neutron radiography, nuclear gauges, materials characterization are discussed thoroughly

  8. 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...

  9. 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.

  10. 基于专利管理图的中国银行业专利信息分析%Analysis on Patent Information of Banking Industry in China Based on Patent Management Map

    Institute of Scientific and Technical Information of China (English)

    邱洪华

    2012-01-01

    Based on searching the patent information of banking industry in China,the pateny management maps of Chinese banking industry are demonstrated from the perspectives of annual trend, patent types, patent inventors and applicators as well as legal status of patent applications, which purport to know the status quo of patent protection for banking industry. It is suggested that, as to the domestic banks, the patent quality and innovative efficiency should be concerned, the effective management system and active encourage mechanism should be enforced; the legal status of patent technologies should be analyzed during the R&D activities.%为了了解中国银行业专利保护现状,论文在检索中国银行业专利信息的基础上,从专利类型、专利申请年度趋势、专利申请人、专利发明人和专利申请法律状态等角度去绘制中国银行业的专利管理图。研究认为,中国内资银行在不断增加专利申请数量的同时,也应当关注专利申请的质量和创新效率的提高,应当实施有效的发明人队伍管理制度和积极的创新激励措施,在研发过程中,应当全面分析现有专利技术的法律状态。

  11. 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

  12. Does China' s Trust Industry belong to Shadow Banking System? And Analysis of the Economic Logic and Value of China' s Trust Industry%我国信托业是影子银行吗?——兼论我国信托业的经济逻辑和价值

    Institute of Scientific and Technical Information of China (English)

    李将军

    2012-01-01

    This paper studies the value of the U.S. shadow banking system, analyzes its source of risk, and dialectically analyzes if China' s trust industry belong to shadow banking System. From the perspective of value innovation, China' s trust industry is a part of shadow banking system. While from a regulatory point of view, our trust industry doesn' t belong to shadow banking system. The article also studies the economic logic and value of our trust industry' s rapid development in recent years.%本文在详细分析了美国影子银行体系的价值及其风险根源的基础上,辨析了目前我国信托业是否属于影子银行体系的问题。本文的观点是,从价值创新的角度来说,我国信托业属于影子银行;而从监管的角度来说,则不属于影子银行。本文同时研究了最近几年我国信托业快速发展的经济逻辑和价值。

  13. 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.

  14. Changes in the Banking Sector--The Case of Internet Banking in the UK.

    Science.gov (United States)

    Jayawardhena, Chanaka; Foley, Paul

    2000-01-01

    Discussion of changes in the banking industry focuses on an analysis of 12 Internet banking operations in the United Kingdom. Topics include delivery strategies; customer demand and requirements; and an evaluation of banking Web sites that considers speed, content and design, navigation, interactivity, and security. (LRW)

  15. 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。

  16. 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.

  17. Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

    OpenAIRE

    Muhamed Saeed Baashar, Yahya Abd Elwahab

    2010-01-01

    Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

  18. 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.

  19. INTERNET BANKING IN INDIA – CONSUMER CONCERNS AND BANK STRATEGIES

    OpenAIRE

    Gupta, P.K.

    2008-01-01

    Internet banking has attracted the attention of banks, securities trading firms, brokerage houses, insurance companies, regulators and lawmakers in developing nations since the late 1990s. With the rapid and significant growth in electronic commerce, it is obvious that electronic (Internet) banking and payments are likely to advance. Researches show that impact of Internet banking on cost savings, revenue growth and increased customer satisfaction on Industry is tremendous and can be a potent...

  20. 我国银行业跨国(境)经营人力资源现状、问题及对策分析%Analysis on Human Resource of Transnational/cross-border Operation of Chinese Bank Industry

    Institute of Scientific and Technical Information of China (English)

    丁武民; 姜兴坤; 杨文宝

    2015-01-01

    随着全球经济一体化的发展,银行业国际化经营已经成为普遍趋势。我国银行业跨国(境)经营起步较晚,存在诸多问题,尤其是跨国(境)经营中的人力资源管理问题存在一定风险。通过分析诸如人才匮乏、管理理念落后、管理体制不足等问题,提出对策,为我国银行国际化经营提供有利借鉴。%With the development of global economic integration, the Transnational/cross-border operation of the bank industry has become an universal trend. Because of alate start of band industry, there are many problems in Chinese bank industry especially including the risk management of human resource in Transnational/cross-border operation. Therefore, problems in risk management of human resource in Transnational/cross-border operation have been analyzed in this paper after elaborating the current situation of growing human resource quantity, increasing management quality and so on, aiming at solving these problems such as lack of talents, out-dated management concept and system. Some reasonable suggestions for Transnational/cross-border operation of Chinese bank are put forward in the final part of this paper.

  1. Multinational banks and development finance

    OpenAIRE

    Christian E. Weller; 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...

  2. 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.

  3. 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.

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

    OpenAIRE

    Mahdi Karimi; Hassan Javanshir; Seyed Mohammad Taghi Fatemi Ghomi

    2015-01-01

    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 c...

  5. Predicting Bank Credit Risk: Does Board Structure Matter?

    OpenAIRE

    Michael Adusei; Samuel Yaw Akomea; Ralph Nyadu-Addo

    2014-01-01

    The study investigates the predictors of credit risk in the universal banking industry with panel data from universal banks in Ghana and finds that leverage, assets (size), loan loss provision, board size, board independence, and the number of executive directors on the board of a bank are the predictors of its credit risk. Based on these results, the study concludes that board structure matters in credit risk management of universal banks in Ghana. The recommendation is that banks could impr...

  6. The Behaviour of Interest Groups in Trade and Industry towards Monetary Policy and Central Banks: theory and evidence on Germany and the Euro area

    NARCIS (Netherlands)

    S. Kern

    2005-01-01

    textabstractThe preceding analysis investigated private interest groups’ behaviour towards monetary policy makers and central banks, exploring the extent to which they seek to influence monetary policy and their motivations for doing so or not. Where evidence of interest group activity with respe

  7. Security and Privacy of Electronic Banking

    OpenAIRE

    Zachary Bosire Omariba; Nelson Bogomba Masese

    2012-01-01

    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, anyw...

  8. 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...

  9. Social Media in Banking. A Managerial Perception from Mexico

    OpenAIRE

    Doina DĂNĂIAŢĂ; Camelia MARGEA; Kirakosyan, Kristine; Ana-Maria NEGOVAN

    2014-01-01

    Nowadays social media has a radical impact on the business world, becoming a great customer service tool across many industries. And banking is no exception. Thus, banks managers need to identify ways to make profitable use of the social media. By accepting the benefits and developing their presence in social media, banks will be closer to customers. The objective of our research is to study social media usage in the banking industry and to obtain a managerial view concerning barriers and cha...

  10. 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.

  11. 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.

  12. 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.

  13. 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.

  14. Pengaruh Kualitas Pelayanan Dan Hubungan Emosional Terhadap Loyalitas Nasabah Pada Pt. Bank Muamalat Indonesia, Tbk Cabang Pematang Siantar

    OpenAIRE

    Rizki, Elfaida

    2015-01-01

    Fierce competition in banking world require every bank to do the strategy that can attract and maintain their customers. Indonesia Muamalat Bank is the first public bank in Indonesia which applies Islamic Syariah principle to run the bank. The competition to win the customer loyalty, especially in syariah banking in Indonesia, is full of the innovation competition among the syariah banking. The competition is becoming tight among the new comers in the syariah-base banking industry. As a pione...

  15. 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.

  16. Why Turkish Securities Firms Have Not Transformed to Full Service Investment Banks?: An Assessment For the Near Future of the Turkish Securities Firms Industry

    OpenAIRE

    Yener Coskun

    2012-01-01

    The initiation of securities related activities in Turkey goes back to as early as 1980s. The regulation philosophy regarding securities firms is based on the creation of a new investment banking category expected to enhance economic efficiency. Although Turkish securities market experienced a boom in early 1990s, the markets were not able to improve the products and services diversity as well as the income range. Specifically, the sector, focusing on brokerage activities, stayed underdevelop...

  17. Lithuania : Banking System Assessment

    OpenAIRE

    World Bank

    2009-01-01

    The Bank of Lithuania (BoL), the Central Bank, was established in 1990. BoL has the exclusive right to grant and revoke licenses to local and foreign banks and to supervise their activities. Private commercial banking boomed from 1991 to 1994 while bank regulation was lax. In late 1995, a bank crisis caused failures of most of the Lithuanian banks, and the remaining banks resulted in better ...

  18. Adoption of mobile banking in Finland

    OpenAIRE

    Suoranta, Mari

    2003-01-01

    Banking is an area in which technology has had a fundamental impact on the everyday lives of consumers. This article-based dissertation examines an innovation in the financial services industry, namely mobile banking services. It seeks to determine and explain the factors affecting the adoption of mobile banking services, thus the perspective taken by the dissertation is one that focuses on consumer behaviour patterns. In order to arrive at a theoretical model, it draws on traditional theorie...

  19. Role of Central Bank in Islamic Finance

    OpenAIRE

    Shaikh, Salman

    2009-01-01

    The rapid growth in Islamic finance industry urges us to not only look for alternatives in the Islamic commercial banking, but also focus on the regulator and its role and functions to enable it to work in conformity with Islamic principles. This study reviews limited, but precious academic literature on central banking and monetary management in an environment where Islamic finance is in vogue. Refinance ratio and Qard-e-Hasan ratio and Mudarabah between central bank and Islamic commercial b...

  20. An Analysis of Internet Banking Security of Foreign Subsidiary Banks in Australia: A Customer Perspective

    Directory of Open Access Journals (Sweden)

    Panida Subsorn

    2012-03-01

    Full Text Available Internet banking has been deployed more frequently over the past few decades to support and improve the operational and managerial performance within the banking industry. However, the security issues of confidentiality, integrity and privacy have become increasingly more serious concerns in Internet banking systems because of the potential negative impact on the banks and its customers. In a previous research paper, the security of the Internet banking systems of 16 selected Australian banks was examined. This paper further examines Internet banking security in nine foreign subsidiary banks in Australia for comparison with the results and findings of the previous research in order to produce a more practical and comprehensive guideline, as well as to include a weight rating of security related website information for the banking industry in Australia. The findings of both the previous research paper and this paper revealed that there was lack of related Internet banking security information in all the selected Australian owned and foreign owned banks websites which have the potential to impact on the confidentiality of the banks and its customers as well as future potential customers.

  1. An Investigation of the Effects of Workrelated - Stress and Organizational Commitment on Organizational Citizen ship Behavior: A Research on Banking Industry

    Directory of Open Access Journals (Sweden)

    Melisa Erdilek Karabay

    2014-03-01

    Full Text Available With increasing competition conditions and the acceleration of lobalization, organizations’ new management approach now support mployees in the direction of attaining the objectives of the organization to have more effective behaviors. However, employees in the business world are under the constant influence of factors that will affect their current working conditions negatively. In this context, job stress continues to influence today's organizational structure significantly. In this context, organizational commitment and organizational citizenship behavior in the literature emerges as the most coveted concept in the business world. The employees that have organizational commitment and organizational citizen ship behavior may lead to the creation of more efficient work environment . In this study, the relationship between organizational commitment , job stress, and organizational citizenship behavior is investigated in banking sector. As a result , it has been fo und that, bank employees' organizational commitment and organizational citizenship behavior affect courtesy, altruism, civic virtue , onscientiousness and sportsmenship, positively. On the other hand, bank employees’ organizational citizenship behavior with work stress has a negative effect on courtesy and consciousness.

  2. 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...

  3. 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.

  4. 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.

  5. 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

  6. 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

  7. 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.

  8. 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

  9. Analisis Komparatif Kinerja Keuangan antara Bank Syariah dan Bank Konvensional Berdasarkan Metode Camel

    Directory of Open Access Journals (Sweden)

    Armanto Witjaksono

    2011-05-01

    Full Text Available The main objective of this paper is to give an overview of comparative financial performance of Islamic banks with conventional banks based on the CAMEL method. The main question would be answered to know there is difference in the performance of conventional banking and Islamic banking are analyzed by using the ratio CAMEL. To prove the hypothesis that there is no significant difference between the bank's financial performance Islamic and conventional banks (Ho or there are significant differences between the financial performance of Islamic banks and conventional banks (Hi. Researchers used a parametric statistical technique, which consists of test data normality using the Kolmogorov Smirnov test and QQ plots, test of homogeneity using the F test (Levene's Test, and Independent Sample T-Test with significant value 5% confidence level (1 - α = 95%. The results showed that the ratio of data CAMEL Islamic banks and conventional banks in normal distribution and homogeneous. Then it can be concluded that the variable CAR, NPL, and LDR between conventional banks and Islamic banks have significant differences, while the ROA and ROE of the two types of banking industry is not significantly different or relatively the same.

  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. The European Bank for Reconstruction and Development in partnership with Lithuania targeting full technical and industrial participation in the development of the energy sector

    International Nuclear Information System (INIS)

    Policy of the European Bank for Reconstruction and Development (EBRD) in Lithuanian energy sector is described. Since 1994 EBRD take active part in financing of safety upgrades of Ignalina NPP. When in 1999 political decision was made to shut down unit 1 of Ignalina NPP EBRD is prepared to take part in co-financing of decommissioning of unit 1. A special fund - International Ignalina decommissioning support fund - was established under the auspice of EBRD recently. Developed countries, international organisation will be contributors to this fund and EBRD will be managing this fund

  12. 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

  13. Banking on the Big Apple

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    The country’s largest lender receives permission to set up a branch in New York After nearly 10 years of waiting, the Industrial and Commercial Bank of China (ICBC) received permission from the U.S. Federal Reserve (Fed) on August 5 to upgrade its office in New York to a branch.

  14. Ist die Bank der Zukunft eine Bank?

    OpenAIRE

    Spremann, Klaus

    1997-01-01

    Ist die Bank der Zukunft noch eine Bank? Ist sie noch eine Bank mit Menschen, oder wird die virtuelle Bank das Modell der Zukunft sein? Haben die Filialen noch eine Chance, oder werden künftig alle Bankgeschäfte über Computer abgewickelt? Umfragen unter Kreditinstituten bestätigen, dass die gegenwärtig drängendste Frage ist, auf welchem Weg die Bank und der Mensch zusammenkommen.

  15. 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.

  16. 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.

  17. 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

  18. 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.

  19. 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。

  20. 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.

  1. Private banking & corporate governance efficiency : a comparative study of business models in private banking

    OpenAIRE

    Rivière, Xavier

    2010-01-01

    Corporate governance is of primary importance in Private Banking. Since the client needs to ensure that the bank acts in his best interest, the choice of the banking institution to manage his wealth is primordial. In this paper, we argue that current business models in the wealth management industry show considerable discrepancies when it comes to corporate governance efficiency. Following a review of various governance mechanisms our results suggest that, some business models in the private ...

  2. Credit derivatives and Profitability of commercial banks : Impact of credit risk on performance of Nordea Bank

    OpenAIRE

    Nguyen, Trang; Nuri, Arman

    2015-01-01

    Commercial banks are more conscious of credit risk due to diversity and complexity of modern monetary services. Additionally, due to the reform of banking industry, there is an increasing demand for investment in the capital market, which evokes the bank managers of a sound evaluation and management for credit risk. Since the credit trading and the related services embrace the main source of banks’ income, it is crucial distinguish the potential customers with the risky borrowers while remain...

  3. The Impact of internet banking service quality on customer satisfaction in the banking sector of Ghana

    OpenAIRE

    Bebli, Richard Selassie

    2012-01-01

    The development of information and communication technology (ICT) in Sub-Saharan Africa over the last two decades is drastically altering the way business is done in Sub-Saharan Africa in general and Ghana in particular. The banking sector is no exception to this revolution. Inspite of the increasing adoption of internet banking and it relevance towards customer satisfaction in the Ghanaian banking industry, very little empirical investigation or research has been conducted in understanding f...

  4. 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.

  5. Internet Banking in Greece : Development, Evaluation and Perspectives

    OpenAIRE

    Papandreou, Andreas-Nikolaos

    2006-01-01

    Revolutionary developments in marketing, information and communications technology continue to transform the banking and financial industry. Distribution of banking services through the Internet is an important part of this transformation. The objectives of this thesis are mainly to examine the role, which Internet banking can play as a new distribution channel of banking services for the benefit of both financial institutions and customers in Greece. The study explores the growth in on-line ...

  6. A Study of Philippine Monetary and Banking Policies

    OpenAIRE

    Bautista, Ernesto D.

    1992-01-01

    This study assesses the Philippine monetary and banking policies with the view of identifying preferred policy options and features of a monetary and banking policy program supportive of overall economic growth and agro-industrial development. It describes the following: the impact of existing monetary and banking policy on short- and long-term economic development and the legislative and administrative measures required to adopt and implement such a monetary and banking policy. It also ident...

  7. On Stock Market Development, Banks and Economic Growth in India

    OpenAIRE

    Pratap chandra Biswal; B Kamaiah

    2001-01-01

    Using the stock market development indicators viz., market size, liquidity, and volatility along with bank credit to GDP ratio as an indicator of banking sector development, and Index of Industrial Production (IIP) as the proxy for GDP, this paper examines the role of stock markets and banks in promoting economic growth in India. On the basis of monthly data (1991:1–1998:12), the present study shows that stock market size and banking development are positively correlated with economic growth....

  8. ADOPTATION OF INTERNET BANKING IN UAE: FACTORS UNDERLYING ADOPTION CHARACTERISTICS

    OpenAIRE

    Somkiat Mansumitrchai; Candy Chiu

    2012-01-01

    Technological development has provided tremendous benefits for many industries, including the banking business. The diffusion of internet banking has been witnessed in many countries worldwide. The United Arab Emirates (UAE) recently is one of the most significant economies in its region and in the global arena. Internet banking has been utilized for many years in UAE, and the number of internet banking adopters in UAE has increased steadily. The main focus of this paper was to identify the c...

  9. 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...

  10. The Islamic Finance and Banking

    OpenAIRE

    Shektbayev, Nurbulat

    2015-01-01

    My thesis consists of two parts. The first part is the theoretical one, where I am going to introduce basic models of Islamic finance and banking. Assess the pros and cons of these models and the whole Islamic finance and banking industry. I will make a review of its history and find out reasons that have led to its creation. The second part is the practical one where I am going to find connections between the theoretical issues and data from the qualitative research method (in form of interv...

  11. 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.

  12. 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.

  13. Market Power versus Efficient-Structure in Arab GCC Banking

    OpenAIRE

    Al-Muharrami, Saeed; Matthews, Kent

    2009-01-01

    This paper evaluates the performance of the Arab GCC banking industry in the context of the Structure-Conduct-Performance hypothesis in the period 1993-2002. The paper uses panel estimation differentiating between bank fixed effects and country fixed effects. It examines the Relative-Market-Power and the Efficient-Structure hypotheses differentiating between the two by employing a non-parametric measure of technical efficiency, and finds that the banking industry in the Arab GCC countries is ...

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

    OpenAIRE

    Niloufar Asgarian

    2013-01-01

    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 t...

  15. 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.

  16. 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.

  17. 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.

  18. 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.

  19. 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.

  20. 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

  1. Assessing the competitive conditions in the Italian banking system: some empirical evidence

    Directory of Open Access Journals (Sweden)

    P. COCCORESE

    1998-06-01

    Full Text Available The European banking industry is currently facing the effects arising from the increasing integration of national financial markets. In adapting to this new scenario, the Italian banking system has undergone a considerable transformation. The degree of competition in the Italian banking system is evaluated using a sample of banks during the period 1988-96.

  2. 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.……

  3. 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.

  4. 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。

  5. 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

  6. 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 ...

  7. 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.

  8. 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.

  9. 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.

  10. 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.

  11. Kenya Leather Industry

    OpenAIRE

    World Bank Group

    2015-01-01

    In 2014, Kenya’s Ministry of Industrialization requested technical assistance from the World Bank to conduct competitiveness assessments and develop competitiveness strategies for four key industries: textiles and apparel, food processing, furniture, and leather and leather products. In the context of Kenya’s long-term vision to become an industrialized middle-income country by 2030, its l...

  12. 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.

  13. 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

    OpenAIRE

    Aditya Wardhana

    2015-01-01

    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 ...

  14. 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.

  15. 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.

  16. Banking Strategy Demography - Future Population Trend: Implication for Banking

    OpenAIRE

    Teo, Lee Koon; Tripathi, Sanjay; Kazi, Zaid

    2010-01-01

    The world is going through a major shift in demographic structure that will affect the economies and global markets in a major way over the next few decades. While extensive research has been done on the macro-economic implications of demographic changes, very little research has been conducted on the demographic challenges at an industry level or for firms and on how these firms should react. The banking sector, in particular has received little attention. The project is initiated by the Glo...

  17. Islamic Banking and Finance: Is IT Complementing or Competing The Conventional Banks

    OpenAIRE

    Bunchuan, Dahang

    2006-01-01

    Abstract The Islamic banking industry is still considered in its infancy period. However, the growth is quite fast considering the type of business and the products that they have. In Brunei Darussalam, Islamic banking has just started it operation on January 1993, meaning to say that the industry is still at its growing stage. The competition, however, for client base is very competitive due to the market size in Brunei. The main objective for the set up of the Islamic banking was as pa...

  18. 75 FR 3967 - Bank Secrecy Act Advisory Group; Solicitation of Application for Membership

    Science.gov (United States)

    2010-01-25

    ...-Wylie Anti-Money Laundering Act of 1992 required the Secretary of the Treasury to establish a Bank...) Industry Trade Groups--Casino (1 vacancy) Industry Trade Groups--Money Services Businesses (1 vacancy... vacancy) Industry Representatives--Banking (3 vacancies) Industry Representatives--Money...

  19. 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.

  20. 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.

  1. Selling Failed Banks

    OpenAIRE

    Joao Granja; Gregor Matvos; Amit Seru

    2014-01-01

    We study the recent episode of bank failures and provide simple facts to better understand who acquires failed banks and which forces drive the losses that the FDIC realizes from these sales. We document three distinct forces related to the allocation of failed banks to potential acquirers. First, a geographically proximate bank is significantly more likely to acquire a failed bank: only 15% of acquirers do not have branches within the state. Sales are more local in regions with more soft inf...

  2. 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

  3. Oman; Banking Sector Resilience

    OpenAIRE

    Ananthakrishnan Prasad; Pierluigi Bologna

    2010-01-01

    This note assesses the impact of the global financial risks on Oman's banking system and highlights the remaining risks. It concludes that the liquidity and prudential measures introduced by the authorities mitigated the adverse effects of the crisis on the banking system. Banks continue to make profits despite higher provisioning. Stress tests confirm the resilience of the banking system to credit and market risks. Banks have limited exposure to derivatives and the majority of the off-balanc...

  4. 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....

  5. CEO Compensation and Bank Performance

    OpenAIRE

    Athar, Iqbal; Khan, Muhammad Irfan; Ali, Saffar

    2012-01-01

    This study sets out to discover the determinants of compensation of the chief executive officers in the banking industry of Pakistan. Accounting based performance measures and size of the firm have been used as predictors. Results of the study are consistent with arguments, suggesting significant and positive impact of size (assets) of the firm on CEO compensation while no association is found with either of the performance measure of the firm except income before tax (IBT). Return on Assets ...

  6. 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.

  7. 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.

  8. Automatic Power Factor Correction Using Capacitive Bank

    OpenAIRE

    Mr.Anant Kumar Tiwari,; Mrs. Durga Sharma

    2014-01-01

    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 ...

  9. What a Difference a Bank Makes

    OpenAIRE

    Klaus, Alexander; Marie, Ségolène

    2006-01-01

    Nowadays, the service industry, especially banks, faces increasing competition. In such environment, differentiation is necessary. The general purpose of this thesis is to understand how a bank can achieve differentiation based on a marketing approach. Two research questions will respectively examine the three additional P’s of the marketing mix (People, Presentation or Physical Evidence and Process) and the Customer Relationship Management as possible differentiators. To fulfill the purpose,...

  10. Mobile banking: near future of banking

    OpenAIRE

    Gentiana Gjino; Orkida Ilollari (Findiku)

    2014-01-01

    Banks are now being prepared to take advantage of another profit opportunity which is another product usable by all of us, the 'Mobile phone'. The interest over 'Mobile Banking' product is becoming increasingly intense. Applications and new technologies are spreading through European banks mobilized to embrace this profitable product. It is common knowledge that many users of mobile telephony are actively shifted from PC to mobile devices. It still remains to understand: to what extent this n...

  11. 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.

  12. 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...

  13. Innovation in services: corporate culture and investment banking

    OpenAIRE

    Richard K. Lyons; Chatman, Jennifer A.; Joyce, Caneel K.

    2007-01-01

    The article discusses service innovation in the investment banking industry. Service industry innovations differ from innovations in industries that produce physical products because they rarely have intellectual property and patent protections. However, investment banking services are typically a series of interrelated businesses such as consulting, wealth management and accounting, and innovations require a business wide coordinated approach. The authors argue that a strong corporate cultur...

  14. BANK STOCK VOLATILITY AND CONTAGION: AN EMPIRICAL INVESTIGATION WITH APPLICATION OF MULTIVARIATE GARCH MODELS

    OpenAIRE

    WIDED BEN MOUSSA

    2014-01-01

    This paper uses a multivariate GARCH modelling to describe the relationship between the systemic risk and the stock return in the banking industry in Thailand, Malaysia, Korea, Indonesia and Philippines. The banking industry comprises the large banks and the small-medium size banks. The advantage of this approach is the incorporation of time-variation in volatility consistent with empirical observations about the behaviour of stock return. Second the factor approach is adopted to incorporate ...

  15. Developing a model of factors affecting the customer satisfaction in traditional and electronic banking

    OpenAIRE

    Hamed Heidari; Morteza Mousakhani

    2015-01-01

    Electronic banking is among the major electronic services in electronic commerce, but the lack of appropriate tool for measurement of customer satisfaction in banking industry has diminished the speed of electronic banking development. This study aims at investigating the factors affecting the customer satisfaction in traditional and electronic banking industry in order to determine the factors which lead to the customer satisfaction. Therefore, the factors, namely, the traditional service qu...

  16. 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.

  17. 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.

  18. 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"

  19. 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.

  20. 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

  1. 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...

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

    Institute of Scientific and Technical Information of China (English)

    王婷婷; 张欢

    2015-01-01

    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在丧失,盈利空间不断收窄,发展进入瓶颈期,信托业没有商业银行的网络布局优势,其出路何在成为中国金融理论与实践工作者争于寻找的答案。客观分析,当前对我国信托业而言,机遇与挑战并存,一方面有利于信托发挥资产隔离天然优势,借助互联网实现发展转型,另一方面,信托发展又面临更大的信用风险、利率风险、经营风险和法律法规风险。我国商业银行转型升级问题由来已久,在长期探索过程中,积累了丰富的经验。因此,信托业的出路是借鉴商业银行转型升级成功经验,结合自身特点,加快转型升级步伐,积极打造成以品牌为基础、客户为中心的专业财富管理机构,大力开展投行、资产证券化和家族信托等创新型业务,加强品牌、人才建设,实现自身转型升级。%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

  3. 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

  4. 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 ...

  5. Securitization and Bank Performance

    OpenAIRE

    Casu, B; Clare, A; Sarkisyan, A.; Thomas, S.

    2013-01-01

    Using predominantly precrisis U.S. commercial bank data, this paper employs a propensity score matching approach to analyze whether individual banks did improve their performance through securitization. On average, our results show that securitizing banks tend to be more profitable institutions, with higher credit risk exposure. Despite a more diversified funding structure, they face higher funding costs. We also find that securitizing banks tend to hold larger and less diversified loan portf...

  6. Bank Funding Modes

    OpenAIRE

    Stuart I. Greenbaum; Anjan V. Thakor

    2004-01-01

    We examine a bank's choice of whether to fund the loans it originates by emitting deposits or to sell the loans to investors. With common knowledge of loan quality and laissez faire banking, we find that the choice is irrelevant. With asymmetric information but without government intervention, we find that better quality assets will be sold (securitized) and poorer quality assets will be funded with deposits. Public regulation can influence the bank's choice; subsidies can cause a bank to fav...

  7. Early public banks

    OpenAIRE

    Roberds, William; Velde, François R.

    2014-01-01

    Publicly owned or commissioned banks were common in Europe from the fifteenth century. This survey argues that while the early public banks were characterized by great experimentation in their design, a common goal was to create a liquid and reliable monetary asset in environments where such assets were rare or unavailable. The success of these banks was however never guaranteed, and even well-run banks could become unstable over time as their success made them susceptible to fiscal exploitat...

  8. The Shanxi Banks

    OpenAIRE

    Randall Morck; Fan Yang

    2010-01-01

    The remote inland province of Shanxi was late Qing dynasty China's paramount banking center. Its remoteness and China's almost complete isolation from foreign influence at the time lead historians to posit a Chinese invention of modern banking. However, Shanxi merchants ran a tea trade north into Siberia, travelled to Moscow and St. Petersburg, and may well have observed Western banking there. Nonetheless, the Shanxi banks were unique. Their dual class shares let owners vote only on insiders'...

  9. 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...

  10. More Localized Foreign Banks

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    The country's banking watchdog says that to engage in the retail renminbi business, foreign banks must become Chinese legal entities According to China's commitment at its accession to the WTO, as of December 11 this year, it will fully open renminbi business to foreign-funded banks. However, this does not mean that the 103 China branches of foreign

  11. 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

  12. 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.

  13. 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

  14. 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.

  15. 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

  16. A Summary of the Evaluation of the Educational Developmental Laboratories/American Institute of Banking High School Equivalency Program for Bank Trainees.

    Science.gov (United States)

    Scheier, Elaine; And Others

    The New York Chapter of the American Institute of Banking (AIB) is a sponsor of the Joint Bank Hiring and Education Program for the Disadvantaged (HEP), the purpose of which is to hire and train undereducated adults and provide education that will enable the trainees to compete successfully in the banking industry. Educational Development…

  17. Bank competition and concentration: do credit unions matter?

    OpenAIRE

    William R. Emmons; Frank A. Schmid

    2000-01-01

    One interesting aspect of the financial services industry is that for-profit institutions, such as commercial banks, compete directly with not-for-profit financial intermediaries, such as credit unions. In this article, William R. Emmons and Frank A. Schmid analyze the competition between banks and credit unions. Using annual county-level data on banking-market concentration and household participation rates at occupational credit unions for the period between 1989 and 1996, the authors find ...

  18. Incentive Compensation for Bank Directors: The Impact of Deregulation

    OpenAIRE

    David A. Becher; Terry L. Campbell II; Melissa B. Frye

    2005-01-01

    Although deregulation leads to changes in the duties of boards of directors, little is known about changes in their incentives. U.S. banking deregulation and associated changes during the 1990s lends itself to a natural experiment. These industry shocks forced bank directors to face expanded opportunities, increased competition, and an expanding market for corporate control. While bank directors received significantly less equity-based compensation throughout most of the 1990s, by 1999, their...

  19. 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...

  20. Real Estate Booms and Banking Busts: An International Perspective

    OpenAIRE

    Herring, Richard J.; Susan Wachter

    1999-01-01

    Real estate cycles and banking cycles may occur independently but they are correlated in a remarkable number of instances ranging over a wide variety of institutional arrangements, in both advanced industrial nations and emerging economies. During the recent Asian financial crisis, the most seriously affected countries first experienced a collapse in property prices and a weakening of the banking systems before experiencing their exchange rate crises. Countries where banks play a more dominan...

  1. Marketing Strategy of Islamic Banking Sector In Pakistan

    OpenAIRE

    Tahir, Muhammad; Umar, Muhammad

    2008-01-01

    There has come a swift transition in the financial services in the world including Pakistan. A new mode of banking i.e. Islamic banking has been introduced and accepted widely in many countries of the world including Pakistan. Our thesis has portrayed the current situation for Islamic banking in Pakistan by investigating the current competition of the industry using porter five forces model and at macro level using PEST analysis. We have analyzed that the competition is very high in the indus...

  2. FDIC Improvement Act and corporate governance of commercial banks

    OpenAIRE

    Booth, James R.

    1993-01-01

    This paper examines provisions of the FDIC Improvement Act related to corporate governance of banks. These provisions focus on the composition and independence of the audit committee and on increased regulatory influence over executive compensation. The composition of audit committees for a sample of banking firms for 1990 is compared with those of industrial firms and with the provisions of FDICIA. The findings suggest only minor differences between banks and other firms; however, under FDIC...

  3. Factors Affecting the Profitability of Azerbaijan Banking System

    OpenAIRE

    Nuriyeva, Zülfiyye

    2014-01-01

    ABSTRACT: The financial services industry varies day by day and the evaluation of the profitability of the financial institution become an important aspect in nowadays. Banks are the integral part of the financial market, and in order to stay at that level necessary to determine how banks operate and what factors affect their profitability. This thesis investigates factors influencing the profitability of banks in Azerbaijan. The external and internal factors were reviewed, and the relationsh...

  4. Concentration In Banking -- A Paradigm Of Manipulative Control And Power

    OpenAIRE

    Slobodan Lakic

    2013-01-01

    The paper starts from the hypothesis that concentration of banking industry and ownership is a ground for proliferation of financial control and power, enabling financial clique to abuse the banking and credit system. Banking super-entities ensure manipulative pattern of functioning based on the monopolistic standard of demand of money, mechanism of interest rates and derivative market. Current financial crisis has deepend the concentrated system of relations and redestribution. The practice ...

  5. The harmonization of banking legislation in the EU

    OpenAIRE

    Shkëlqesa Çitaku

    2016-01-01

    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 ...

  6. The return to retail and the performance of US banks

    OpenAIRE

    Hirtle, Beverly J.; STIROH, Kevin J.

    2005-01-01

    The U.S. banking industry is experiencing a renewed focus on retail banking, a trend often attributed to the stability and profitability of retail activities. This paper examines the impact of banks' retail intensity on performance from 1997 to 2004 by developing three complementary definitions of retail intensity (retail loan share, retail deposit share, and branches per dollar of assets) and comparing these measures with both equity market and accounting measures of performance. We find tha...

  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. Development of Internet Banking as the Innovative Distribution Channel and Turkey Example

    Directory of Open Access Journals (Sweden)

    Sanli B

    2015-12-01

    Full Text Available The banking industry is one of the fastest sectors realizing the developments and changes in the field of technology innovation. Demand on web based banking products increased as a result of expanding customer focused service understanding, decreasing attainability cost, its competitive market structure and consumers’ wish to reach banking products fast, effective, productive way. Besides being periodically diversified, the innovative banking tools attract fast increasing demand in years. This study examines the development of web banking tools used in Turkish banking industry and products of these tools, and consumer reaction in this development level in economic framework. The study also investigates the effectiveness of Turkish banking industry by means of innovative products and processes made by web banking product channels used in Turkey with a structural analysis. The study concluded finding out that the number of products used in web banking and consumers making use of these products noticeably increases in time. Overcoming clash between web infrastructure and banking industry security, diversification of banking products, strengthening the comprehension of tendency of using web banking, will be effective on speeding-up development of web banking increasingly.

  9. 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.

  10. 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

  11. 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

  12. PERSPECTIVES OF RISK MANAGEMENT IN BANKING IN THE CONTEXT OF GLOBALIZATION AND CURRENT ECONOMIC CRISIS

    OpenAIRE

    Clara-Iulia, ZINCA (VOICULESCU)

    2014-01-01

    The banking industry, as well as the entire financial services industry, has experienced significant changes due to the development of new technologies, government deregulation and globalization, generating both opportunities and risks. The range of financial products and services offered by the banks expanded by adding new ones previously offered by other types of entities in the financial services industry. At the same time, competition continuously increased, from both banks and from other...

  13. Business Financial Applications. Curriculum Guide. Simulations. Test Bank.

    Science.gov (United States)

    Massey, Ray Nell; Patton, Jan

    This business financial applications document combines the curriculum guide, simulations, and the test bank for the 1-semester course. The guide provides students with an overview of the banking industry used for entry-level positions or advancement into an occupationally specific course. It begins with a course description, suggested scope and…

  14. State-owned Banks Reform: A Three-Step Success

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ State-owned commercial banks are the major part of China's banking industry. Their growth and development is in direct relation to the overall economy and financial growth in the country. After the Asian financial crisis at the end of last century, the Chinese government has taken a string of financial measures.

  15. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

    Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.

  16. Central bank capital, financial strength, and the Bank of Japan

    OpenAIRE

    Cargill, Thomas F.

    2006-01-01

    This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

  17. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

    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 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 to absorb...

  18. 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...

  19. Risk management in the banking industry

    OpenAIRE

    Gambetta Lopassio, Nicolás

    2016-01-01

    El negocio bancario está altamente regulado porque las instituciones financieras captan ahorro público y tienen riesgos específicos y complejidades que hacen que sus estados financieros sean opacos y difíciles de analizar por el público en general (Petrella y Resti, 2013; Morgan, 2001). Para entender y monitorear los riesgos específicos en las empresas del sector financiero, el regulador estadounidense diseñó el sistema de evaluación CAMELS, que es comúnmente utilizado por los reguladores ...

  20. Application of clustering for customer segmentation in private banking

    Science.gov (United States)

    Yang, Xuan; Chen, Jin; Hao, Pengpeng; Wang, Yanbo J.

    2015-07-01

    With fierce competition in banking industry, more and more banks have realised that accurate customer segmentation is of fundamental importance, especially for the identification of those high-value customers. In order to solve this problem, we collected real data about private banking customers of a commercial bank in China, conducted empirical analysis by applying K-means clustering technique. When determine the K value, we propose a mechanism that meet both academic requirements and practical needs. Through K-means clustering, we successfully segmented the customers into three categories, and features of each group have been illustrated in details.

  1. 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.

  2. E-Banking of Economical Prospects in Bangladesh

    OpenAIRE

    Mohammad Azizul Baten; Anton Abdulbasah Kamil

    2010-01-01

    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 n...

  3. 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.

  4. 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

  5. Market Segmentation and the Restructuring of Banking Jobs. IEE Brief Number 24.

    Science.gov (United States)

    Hughes, Katherine; Bernhardt, Annette

    The banking industry has undergone marked changes over the past 20 years, driven by deregulation and new technologies. Two strategies have emerged: the low-cost transaction approach and the high-road relationship banking approach. The number of employees in commercial banking has fallen significantly, and average hourly earnings for nonmanagerial…

  6. State aid and competition in banking: the case of China in the late nineties

    NARCIS (Netherlands)

    X. Cheng; P. van Cayseele

    2009-01-01

    Many contributions to the literature on competition in banking use the Panzar and Rosse test (1987). This test encompasses a variety of market outcomes assuming firms maximize profits. However, when applied to the banking industry, this assumption may not be always valid as banks sometimes may carry

  7. Profitability of Western European banking systems: panel evidence on structural and cyclical determinants

    OpenAIRE

    Beckmann, Rainer

    2007-01-01

    This paper analyses structural and cyclical determinants of banking profitability in 16 Western European countries. We find that financial structure matters, particularly through the beneficial effect of the capital market orientation in the respective national financial system. Furthermore, higher diversification regarding banks' income sources shows a positive effect. The industry concentration of national banking systems, though, does not significantly affect aggregate profitability. Busin...

  8. 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.

  9. 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.

  10. 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.

  11. Islamic Banking and Finance

    OpenAIRE

    AlFarra, Diaa M. S.

    2015-01-01

    Islamic Banking and Finance has been growing rapidly during the last decades. Descriptive analysis has been used in order to introduce the Islamic banking and finance and how it works. On other hand, clarify the Islamic Banking and Finance Systems and show how it works in part of liability and also profit and loss sharing basis. In addition to that, the main similarities and differences were properly identified, introduced and discussed in the paper. It is obvious that there are many similari...

  12. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  13. Essays on Bank Risk

    OpenAIRE

    Cabiles, Neil Adrian

    2012-01-01

    This PhD Thesis is composed of three chapters, each discussing a specific type of risk that banks face. The first chapter talks about Systemic Risk and how banks get exposed to it through the Interbank Funding Market. Exposures in the said market have Systemic Risk implications because the market creates linkages, where the failure of one party can affect the others in the market. By showing that CDS Spreads, as bank risk indicators, are positively related to their Net Interbank Funding ...

  14. Bank Customers Management System

    OpenAIRE

    Ebubeogu Amarachukwu Felix

    2015-01-01

    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 A...

  15. 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.

  16. Banks on Board

    OpenAIRE

    Jeffrey Fear; Christopher Kobrak

    2007-01-01

    As part of a series of related papers, the authors examine the conceptual foundations of German and American corporate governance, specifically highlighting the role of banks' relationships to corporations and the stock market. This paper focuses on how the regulatory and macroeconomic environments of the two countries helped shape how banks, especially money-centred bankers, actually interacted with their clients. Prior to 1914, despite many regulatory obstacles, American banks wielded more ...

  17. Agricultural Development Bank Reform

    OpenAIRE

    Seibel, Hans Dieter

    2001-01-01

    Agricultural development banks (AgDBs), which are not viable, should either be closed, or transformed into self-reliant, sustainable financial intermediaries. Experience shows that reform is possible. Among the prominent cases are Bank Rakyat Indonesia (BRI) and Bank for Agriculture and Agricultural Cooperatives (BAAC, Thailand) as well as ADB/Nepal, which has been transforming its small farmer credit program into financially self-reliant local financial intermediaries owned and managed by th...

  18. 12 CFR 917.10 - Bank bylaws.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank bylaws. 917.10 Section 917.10 Banks and Banking FEDERAL HOUSING FINANCE BOARD GOVERNANCE AND MANAGEMENT OF THE FEDERAL HOME LOAN BANKS POWERS AND RESPONSIBILITIES OF BANK BOARDS OF DIRECTORS AND SENIOR MANAGEMENT § 917.10 Bank bylaws. A Bank's board...

  19. Bank Capital Management

    OpenAIRE

    Jokipii, T.K.

    2009-01-01

    The work undertaken in this study empirically explores the determinants of regulatory bank capital bu®ers, and how they in°uence bank decisions. Focusing on bank capital management under the Basel I framework, this thesis serves to address some of the con- cerns that have been voiced regarding the implementation of the new regulation (Basel II) and the broader economic e®ects that could result. In particular, the research chapters of this thesis examine the cyclical behavior of European bank ...

  20. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  1. 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.

  2. Pengaruh Promosi, Kepercayaan Dan Brand Equity Terhadap Minat Menabung Pada Pt Bank Pembangunan Daerah Jawa Barat Dan Banten, Tbk

    OpenAIRE

    Surbakti, Risto Livian

    2016-01-01

    PT. Regional Development Bank of West Java and Banten, Tbk continues its expansion by opening new branches including in Medan. The economy in the city of Medan is increasing and becoming one of the considerations PT. Pembangungan Bank of West Java and Banten, Tbk. opening branches in Medan. PT. Pembangungan Bank of West Java and Banten, Tbk. The field becomes an alternative in the choice of financial services in other banking industries. Until now PT. Pembangungan Bank of West ...

  3. 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.

  4. 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.

  5. 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.

  6. 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

  7. 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.

  8. Historicism and Industry Emergence

    DEFF Research Database (Denmark)

    Kirsch, David; Moeen, Mahka; Wadhwani, Dan

    2014-01-01

    Management and organization scholars have increasingly turned to historical sources to examine the emergence and evolution of industries over time. This scholarship has typically used historical evidence as observations for testing theoretically relevant processes of industry emergence....... 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...... excluded phenomena and explanations, reconstructing uncertainty and alternative paths of industry emergence, and studying the processes of information elision and exclusion in the formation of industry knowledge....

  9. 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.

  10. The effects of financial liberalization and new bank entry on market structure and competition in Turkey

    OpenAIRE

    Denizer, Cevdet

    1997-01-01

    Until 1980 Turkey's financial system was shaped to support state-oriented development. After the 1960s the financial system, dominated by commercial banks, became an instrument of planned industrialization. Turkey had an uncompetitive financial market and an inefficient banking system. Controlled interest rates, directed credit, high reserve requirements and other restrictions on financial intermediation, and restricted entry of new banks -plus the exit of many banks between 1960 and 1980- cr...

  11. The Strategic Implications of Corporate Responsibility and Sustainability in the UK Banking Sector

    OpenAIRE

    Amacanin, Milagros Caminade

    2005-01-01

    This dissertation is an explorative study of the interface between sustainability and banking. As corporate responsibility has become the buzzword in the banking industry, banks have been urged to actively engage in contributing to sustainable development given their intermediate position in the economic system. The primary research objective of this study is to identify the various facets of the response of banks to sustainability issues. To achieve a more comprehensive understanding of the ...

  12. ISLAMIC CORPORATE IDENTITY IN THE PRACTICE OF ANNUAL REPORT DISCLOSURE ISLAMIC BANK

    OpenAIRE

    Paramitasari, Ratih

    2015-01-01

    The development of Islamic banking is directed to provide great benefit to society and contribute optimally to the national economy. Islamic banking system and conventional banking system together synergistically supports the mobilization of public funds broadly improve the ability of finance to sectors of national economy. Together with the development of Islamic banking industry in Indonesia, there are many controversies from the community, where most problems highlighted are sticking the l...

  13. How capital structure affects business performance in Chinese listed commercial banks

    OpenAIRE

    Luo, Ting

    2011-01-01

    In the end of 2006, China realized the opening of financial market, thus Chinese commercial banks have to face the global competitors. The business performance of banks is the overall reflection of competence; however, the performance of Chinese banking industry is still weaker. According to some theoretical basis of capital structure, capital structure affects overall business performance by influencing the corporate governance of corporations. The capital structure of commercial banks also ...

  14. Conceptualizing User Preference and Trust in Western Designed Banking Software Systems in Developing Countries

    OpenAIRE

    Sabi HM; Mlay SV; Tsuma CK; Bang HN

    2015-01-01

    Organizations in developing countries have over the last decade been investing heavily in information and communication technologies to drive efficiency and effectiveness of their operations. Recent advancements in the development of 21st century banking systems and competition in the banking industry has forced many banks in developing countries to import and use systems designed for the western banking markets and operations. This study investigated the contextual factors impacting adoption...

  15. Customer Satisfaction and Competencies: an Econometric Study of an Italian Bank

    OpenAIRE

    Gritti, Paola; Foss, Nicolai

    2008-01-01

    We empirically address how customer satisfaction and loyalty in the banking industry may affect profitability. This helps to identify the strategy and competencies necessary to benefit from customer relationships which are important sources for improved performance in the banking. We do this by analyzing data collected on 2,105 customers of 118 branches of one of the biggest banks of an Italian banking group. We find that customer satisfaction impacts loyalty, which in turn has a direct effec...

  16. The Impact of Customer Relationship Marketing on Customer Satisfaction of the Arab Bank Services

    OpenAIRE

    Abdullah Mohammad Al-Hersh; Abdelmo'ti Suleiman Aburoub; Abdalelah S. Saaty

    2014-01-01

    Due to the rapid expansion in banks and the severe competition for customers’ retention, banks have started using various marketing strategies to achieve their objectives. Customer Relationship Marketing is one of the marketing strategies that may be used in this respect. The study aims to investigate the impact of Customer Relationship Marketing on Customer Satisfaction in Banking Industry in KSA and Jordan. An e-mail questionnaire was designed and sent to 500 hundred customers of Arab Bank ...

  17. 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...

  18. 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.

  19. Private Banking and Wealth Management Services Offered by Banks

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

    The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

  20. Bank Lending and Relationship Banking: Evidence from Chilean Firms

    OpenAIRE

    Andrea Repetto; Sergio Rodríguez; Valdés, Rodrigo O.

    2002-01-01

    In this paper we empirically study bank-client relationships using a sample of manufacturing Chilean firms. We examine whether concentration and the duration of bank-firm relationships affect the terms of bank financing, evaluating both the volume of bank lending and bank loan costs. Our results indicate that lower concentration, measured by the number of banks a firm borrows from, is associated with lower costs of loans and with a large and positive non-lincar effect on borrowing. The length...

  1. World Bank Group/World Bank Corporate Scorecards, April 2016

    OpenAIRE

    World Bank Group

    2016-01-01

    This pamphlet presents the World Bank Group and World Bank Corporate Scorecards updated with latest data available for Tier 3 (Performance Tier) as of December 31, 2015. Tiers 1 and 2 present data from end of fiscal year 2015. The World Bank Group Corporate Scorecard monitors the implementation of the World Bank Group Strategy. The Scorecard provides an apex view of the results and performance indicators of the three World Bank Group institutions—the World Bank (WB), ...

  2. 78 FR 12360 - PNC Bank, National Association, Retail Bank Franklin, PA; PNC Bank, National Association, Retail...

    Science.gov (United States)

    2013-02-22

    ... Federal Register on January 10, 2013 (78 FR 2290). The subject firm supplies banking and financial... 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...

  3. 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

  4. 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.

  5. 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

  6. The competitive challenge in banking

    NARCIS (Netherlands)

    A.W.A. Boot; A. Schmeits

    2005-01-01

    The increasingly competitive environment poses challenges to bankers. This paper emphasizes relationship banking as a prime source of the banks' comparative advantage. The proliferation of transaction-oriented banking (trading and financial market activities) does however seriously challenge relatio

  7. 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.

  8. On competition and banking

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda Adriana

    2003-01-01

    In this thesis we discussed several aspects of bank behavior under imperfect competition. As we argued in chapters 1 and 2, the loss of production and growth and the suboptimal welfare level resulting from imperfections in banking can only partly be explained by transaction costs and asymmetric info

  9. 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

  10. 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.

  11. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  12. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    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

  13. Optimal central bank transparency

    NARCIS (Netherlands)

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

    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

  14. Optimal central bank transparency

    NARCIS (Netherlands)

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

    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

  15. Banking and trading

    NARCIS (Netherlands)

    A.W.A. Boot; L. Ratnovski

    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

  16. iBank

    Science.gov (United States)

    Bermundo, Cesar B.; Bermundo, Alex B.; Ballester, Rex C.

    2012-01-01

    iBank is a project that utilizes a software to create an item Bank that store quality questions, generate test and print exam. The items are from analyze teacher-constructed test questions that provides the basis for discussing test results, by determining why a test item is or not discriminating between the better and poorer students, and by…

  17. 环境信息披露质量与银行信贷决策--来自我国沪深两市A股重污染行业上市公司经验证据%Environmental Information Disclosure Quality and Bank Credit Decisions:Evidence from the Listed Heavy Polluting Industries of A-shares in Shanghai Stock Market and Shenzhen Stock Market

    Institute of Scientific and Technical Information of China (English)

    倪娟

    2016-01-01

    Using samples of all listed heavy polluting industries of A-shares during the period of 2012-2013 in Shanghai Stock Market and Shenzhen Stock Market, this paper studies the impact of environmental information disclosure quality on bank credit decisions.Results show that the higher environmental information disclosure quality the listed heavy polluting in-dustries have, the more bank borrowings they can get.Further study reveals that environmental information disclosure quality has more influence on short-term bank borrowings, and less influence on long-term bank borrowings.This paper confirms that the improvement of environmental information disclosure quality of listed heavy pollution industries can help them get more bank borrowings, especially short-term bank borrowings.%本文以沪深两市A股重污染行业2012-2013年上市公司为样本,实证考察我国重污染行业上市公司环境信息披露质量与银行信贷决策两者之间的相互关系。研究发现:重污染行业上市公司环境信息披露质量越高,可获得的银行借款越多。进一步研究发现,环境信息披露质量对重污染行业上市公司短期银行借款的影响更为显著,对长期银行借款的影响则较弱。研究证实,重污染行业上市公司提高环境信息披露质量有助于企业获取更多的银行借款,尤其是短期银行借款。

  18. Banking on Corporate Social Responsibility

    OpenAIRE

    Timothy Rice; Cyril Peter

    2015-01-01

    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...

  19. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

    Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

  20. Swiss private banking, market forecasting and analysis: A systems dynamics approach

    OpenAIRE

    Zacharova, Aleksandra

    2013-01-01

    The Swiss private banking industry has been always known as one of the leading off-shore private banking centers. During the last five years, however, the market entered a phase of fundamental change. Global economic downturn has notably harmed the industry and the natural recovery was further depressed with the new regulations coming into force. This thesis is an empirical study of the System Dynamics methodology applied to analyze the Swiss private banking industr...