Dissertations / Theses on the topic 'Bank'
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Diemer, Michael. "Bank Bailouts, Bank Levy, and Bank Risk-Taking." Doctoral thesis, Universitätsbibliothek Leipzig, 2014. http://nbn-resolving.de/urn:nbn:de:bsz:15-qucosa-157041.
Full textDzurendová, Vieroslava. "Fúze HVB Bank a Živnostenské banky sloučením." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-3514.
Full textTam, Siu-kee. "Bank failures /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19873670.
Full textVoborská, Hana. "Příležitosti marketingové komunikace banky Waldviertler Sparkasse Bank AG." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-264359.
Full textJiang, Chunxia. "Analysis of bank efficiency of Chinese commercial banks and the effects of institutional changes on bank efficiency." Thesis, Middlesex University, 2008. http://eprints.mdx.ac.uk/8108/.
Full textМорозова, Ірина Анатоліївна, Ирина Анатольевна Морозова, Iryna Anatoliivna Morozova, and T. Sagun. "Bank." Thesis, Видавництво СумДУ, 2010. http://essuir.sumdu.edu.ua/handle/123456789/17097.
Full text譚肇基 and Siu-kee Tam. "Bank failures." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31269254.
Full textMourouzidou, Damtsa Stella. "Three studies on the effects of national culture on bank risk-taking, deposits and profitability." Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/three-studies-on-the-effects-of-national-culture-on-bank-risktaking-deposits-and-profitability(3f54085b-4bd6-420d-a27d-1e47e2086079).html.
Full textSasraku, Francis M. "Regulatory Structures and Bank –Level Risk Management in Ghanaian Banks." Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15021.
Full textKudinova, Julija. "Likvidumo rizikos valdymas komerciniame banke „AS UNICREDIT BANK“ pavyzdžiu." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2012. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2012~D_20120723_105005-24213.
Full textThe business risk assessment and management is becoming important problem in a difficult economic situation. Instability requires constant attention to liquidity measurement and management. Due to Complexity of economic conditions, liquidity risk management process can not be isolated. Liquidity risk management topics of Lithuanian and foreign authors are analyzed and structured in Master’s work. The essential liquidity risk measurement and management methods and principles are summarized. An analysis of scientific literature and quantitative evaluation of the results is performed. The theoretical and practical parts define liquidity risk ant risk management strategies in a commercial bank, the liquidity risk management model for a particular bank is assessed. AS UniCredit Bank's liquidity risk analysis, assessment according to established standards and testing in adverse conditions, according to three scenarios was performed. The scientific literature analysis and quantitative evaluation of the results is illustrated by tables and pictures. Trends of The liquidity measurement and management of development are suggested. The work consists of 8 parts. Work size - 54 p. without appendixes, 3 pictures., 15 tables., 38 references. Appendixes included separately.
Toscano, Vanessa Miguel. "Determinants of bank capital ratios in European Union banks." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19516.
Full textNeste trabalho, analisamos os determinantes do rácio Common Equity Tier 1 (CET1) dos bancos da União Europeia após a Crise das Dívidas Soberanas. Utilizámos informação da base de dados do Bankscope. Exportámos informação de 137 bancos dos 27 paises da UE no período de 2011 a 2018. Baseámos o nosso estudo numa análise de regressão, sendo que analisámos vários modelos de forma a analisar od determinantes e qual o seu impacto no rácio CET1. Para atestar a robustez dos resultados, replicámos a análise aplicando um processo winsor à variável dependente e à variável que representa o Return on Equity. Verificámos que o tamanho, a exposição ao risco, a alavancagem e a liquidez são fatores que afetam o rácio CET1 e consequentemente a solvabilidade do banco. Adicionalmente, observámos que o programa de compra de ativos por parte do Banco Central Europeu (BCE) aparenta aumentar a capacidade dos bancos para absorver as suas potencias perdas, pelo o que se justifica este tipo de ações por parte do regulador.
We analysed European Union banks' Common Equity Tier 1 (CET1) ratio determinants after Sovereign Debt Crisis. We resorted to information from the Bankscope database. We exported information of 137 banks from the 27 countries belonging to the EU, from 2011 to 2018. We performed a regression analysis, running several models to identify the significant variables and their impact on the CET1 ratio. To attest the results' robustness, we replicate the analysis winsorizing the dependent variable and the variable that represents Return on Equity. We verified that size, risk exposure, leverage and liquidity are factors that affect CET1 ratio and banks solvency. Additionally, we observed that the European Central Banks' (ECB) asset purchase program seems to increase banks' capacity to absorb potential losses, which justifies this kind of measures by the regulator.
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Krč, Jakub. "Charakteristika centrální banky na příkladu Evropského systému centrálních bank." Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-4106.
Full textStráníková, Martina. "Analýza marketingových komunikací vybraných nových bank na českém trhu." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113161.
Full textChing'andu, Bruno Mubanga. "Client-centric strategy in South African banks: perceptions of bank employees as staff members and as bank customers." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/59802.
Full textMini Dissertation (MBA)--University of Pretoria, 2017.
ms2017
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted
Li, Li. "Bank regulation, corporate governance and bank performance around the world." Click to view the E-thesis via HKUTO, 2009. http://sunzi.lib.hku.hk/hkuto/record/B43224088.
Full textMikšová, Lucie. "Potíže bank v České republice v letech 1993-2003." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10819.
Full textGiwe, Mbunwe Belter. "Factors affecting the usage of banking products and services by low income and under-banked consumers." Thesis, Nelson Mandela Metropolitan University, 2015.
Find full textLeung, Wai-kwan Lucia. "Hong Kong's banking crisis in 1991." [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13278800.
Full textČápová, Jana. "Komparace postavení jednotlivých institucionálních typů v současném českém bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-5319.
Full textMalkus, Amy J. "Test Bank." Digital Commons @ East Tennessee State University, 2012. https://dc.etsu.edu/etsu-works/4587.
Full textSharp, L. Kathryn. "Test Bank." Digital Commons @ East Tennessee State University, 2014. https://dc.etsu.edu/etsu-works/4483.
Full textTolley, Rebecca. "Seed Bank." Digital Commons @ East Tennessee State University, 2012. https://dc.etsu.edu/etsu-works/5660.
Full textLi, Yajing. "Bringing it all back home? : a Chinese bank going global." Thesis, Queen Mary, University of London, 2011. http://qmro.qmul.ac.uk/xmlui/handle/123456789/661.
Full textCampmas, Alexandra. "Institutional environment and bank behaviour : the case of European banks." Thesis, Bordeaux, 2020. http://www.theses.fr/2020BORD0193.
Full textWe study two policies that are key to shaping the institutional environment and that can therefore influence banks' behaviour, namely monetary and macroprudential policies.In the first Chapter, we evidence the existence of the bank risk-taking channel of (un)conventional monetary policy in Europe. We show that the latter is nonlinear, i.e., the effects of monetary policy interest rates (the total assets on the balance sheet of central banks) on banking risk are stronger below (above) a certain threshold.The second Chapter mainly explores the nexus between the low interest rate environment and bank profitability. Our findings suggest that monetary policy’s main instrument adversely affects net interest margins, but its effect on overall profitability is unclear. Nevertheless, when policy interest rates are particularly low, it seems that European banks succeed in increasing their profitability despite a compression of their net interest income.In the third Chapter, we examine the role of macroprudential tools in a turbulent institutional environment. The outbreak of the COVID-19 is likely to worsen households' and businesses' capacity to pay off their debt. The Chapter bridges the gap between the flexible use of macroprudential tools and their yet unknown effects in the event of a shock to risk premia of mortgages and corporate loans. Both our empirical and theoretical models corroborate that an ease scenario of macroprudential policy allows mitigating the adverse effects stemming from such a shock. In particular, the DSGE model shows preference for relaxing the Loan-to-Value ratio over the Capital Requirement Ratio
Diemer, Michael [Verfasser], Uwe [Gutachter] Vollmer, and Harald [Gutachter] Wiese. "Bank Bailouts, Bank Levy, and Bank Risk-Taking / Michael Diemer ; Gutachter: Uwe Vollmer, Harald Wiese." Leipzig : Universitätsbibliothek Leipzig, 2014. http://d-nb.info/1239422067/34.
Full textHýblová, Monika. "Vztah nezávislosti a odpovědnosti centrálních bank na příkladu FEDu a ČNB." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-199086.
Full textKadlčková, Šárka. "Externí audit v bankovním sektoru a jeho vztahy s orgány dohledu." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-192598.
Full textLee, Shu-ho. "A study of supervisor job satisfaction of a mainland Chinese bank in Hong Kong /." Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B17983587.
Full textWan, Qun. "A legal perspective on the disposition of non-performing loans and bank restructuring : a study of China's state-owned commercial banks /." View the Table of Contents & Abstract, 2006. http://sunzi.lib.hku.hk/hkuto/record/B35082690.
Full textLi, Li, and 李莉. "Bank regulation, corporate governance and bank performance around the world." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2009. http://hub.hku.hk/bib/B43224088.
Full textPospíšilová, Kateřina. "Hodnotící komparace ústavněprávních pojetí vybraných centrálních bank světa z aspektu perspektiv ČNB." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-206650.
Full textKohlbeck, Mark Joseph. "Evidence of franchise value in the banking industry /." Digital version accessible at:, 1999. http://wwwlib.umi.com/cr/utexas/main.
Full textKojima, Koji. "Determinants of managers' choices in the Japanese banking industry /." Thesis, Connect to this title online; UW restricted, 2004. http://hdl.handle.net/1773/8799.
Full textLindh, Jenni, and Frida Persson. "Vad är den främst avgörande faktorn vid privatkundens val av marginalbank? : en studie om hur demografiska skillnader påverkar privatkunders val av marginalbank samt se hur deras val kan användas vid segmentering." Thesis, Högskolan Kristianstad, Sektionen för hälsa och samhälle, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-9805.
Full textPurpose: The aim of this study is to explain what the cardinal factor is when clients choose their marginbank by comparing demographic variables and how their choice can be used in segmentation. Method: To reach results for the analysis a positivistic approach and a deductive projection have been used. The research is based on a survey studying people in Hässleholm and Ängelholm. The collected data has been analyzed using crosstabs. Theoretical perspective: This study is based on previous research within the area that have been used to identify factors that can explain the aim of this research. Conclusion: The analysis resulted in a conclusion showing that when private clients choose their margin bank great offers and bonuschecks matters. It also showed that banks, based on this paper, should use differentiated marketing when segmenting their customers.
Anwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
Full textStevenson, Anthony R. "Bank lending behaviour : a comparative study of British and German banks." Thesis, Loughborough University, 2014. https://dspace.lboro.ac.uk/2134/14587.
Full textGerdovci, Valon. "Deutsche bank - European banks." Master's thesis, 2019. http://hdl.handle.net/10362/73503.
Full textHo, Song-Yuh, and 何嵩昱. "The Effect of Diversification, Bank Governance and Bank Characteristics on Bank Value-A Case of Taiwanese Banks." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/tdr9ef.
Full text銘傳大學
財務金融學系碩士班
97
Due to the open attitude from government, financial liberalization, and gradual reduction in interest rate between the deposit and loan, many financial organizations seek new revenue. In this study, data were gathered from 24 Taiwan listed banks during the period from 2003 to 2007, and using panel data analysis to measure the effect of diversification, bank governance and bank characteristics on bank value. In addition, we also examine the different pattern between financial holding banks and non-financial holding banks on bank value. The result shows that financial holding banks have a greater degree of asset diversification; non-financial holding banks have a greater degree of income diversification. Overall, the more diversification, the higher value is in financial holding banks; the more diversification, the lower value is in non-financial holding banks. There are both diversification premium and diversification discount in banking industry. The bank value increases as higher board ownership, higher net interest margin and lower non-performing loan ratio. Furthermore, in financial holding banks, the bank value increases as higher net interest margin, higher capital adequacy ratio, lower non-performing loan ratio. In non-financial holding banks, the board ownership, government ownership, and net interest margin have significantly positive relationship with bank value, but the blockholder ownership, capital adequacy ratio, and non- performing loan ratio have significantly negative relationship with bank value.
Drobná, Tereza. "Komparace právního zakotvení a činnosti české a slovenské centrální banky." Master's thesis, 2019. http://www.nusl.cz/ntk/nusl-409156.
Full textNogueira, Nora Pelamo de Ibérico. "Multilateral development banks: comparisons between the European Investment Bank and the New Development Bank." Master's thesis, 2021. http://hdl.handle.net/10284/9948.
Full textIn today's world, multilateral development banks (MDBs) are among the largest global contributors for development, by using multilateral mechanisms to prevent global crises or rebuild more sustainable infrastructures. Due to geopolitical power shifts and stretching mandates, the MDBs can be found challenged by their own mechanisms going forward. This master dissertation aims to analyse the current stance of the MDBs by comparing the European Investment Bank (EIB) and the New Development Bank (NDB), thus trying to establish whether or not their functions achieve similar results.
WU, MING-LING, and 吳明玲. "Study of Banks M&A Under the Financial Holding Company Law in Taiwan─Case Study about Fubon Bank、Taipei Bank and Cathay Bank、UWCC Bank." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/b2dz27.
Full text國立臺北大學
企業管理學系碩士在職專班
91
As the Financial Holding Company Law was dispensed on November 1,2001, financial institutes integrated business of banking,securities and insurance aggressively. So far there are 14 financial holding companies. They expect to optimize financial and operating synergetic efficiency,keeping cost down and increase revenue to maximize interest of shareholders and employees. It is a trend and also one of the strategies adopted by banks that were integrated or merged by holding companies to increase competitive abilities. The research(essay) is to study、derive and testify factors which influence the choice of M&A objectives under the Financial Holding Company Law. The research uses the tool of cases study. Cases are Fubon Bank and Taipei Bank of Fubon Financial Holding Company and Cathay Bank and United World Chinese Commercial Bank of Cathay Financial Holdings. The research comes to the conclusion of strategic selections of banks M&A after collecting information、discussing bibliographies、interviewing high-level directors、analyzing documentation and deriving possible strategies of selecting M&A targets. We found that financial institutions’ motivations are different in terms of being active or passive. The most important influencing factors of choosing M&A targets are channel、size and quantity of customers、asset quality、management group and business operating capability、M&A price and interest of employees. Banks integration can generate advantages such as synergetic efficiency、cost down and revenue increase. However, managers should recognize and manage negative effects occurring in the processes of M&A activities from the beginning. The research provides strategic meanings for the banking industries: 1. The framework of factors influencing M&A objectives proposed by the research can be considered as a tool for M&A strategies of financial holding companies or banks M&A. 2. Due to different operating strategies and structure of banks, financial holding companies are not the necessary style to win the market. Considering the effects of 3C, managers should pay their attentions to operating strategies. 3. The channel and scale of customers are critical factors to make synergetic operating efficiencies and highly dominate decision making in choosing M&A objectives. 4. Financial holding companies should emphasize non-performing loan of merged banks. The high quality M&A strategies are preferred choices. 5. Financial institutes should value the core competitive ability of business. In the era of emphasizing efficiency,quality,innovation and quick customer response, financial institutions have to invest information technology to increase competitive abilities. M&A can raise capital and expand the scale of business. With the aid of investing information technology,financial institutions can achieve higher return on investment. 6. M&A are external development strategies for running on-going business in the condition of making a profit. The banking industry holds optimistic attitudes so that financial institutions are willing to merge with the deal of premium prices. The capabilities of creating new markets,inventing new products efficiently and a management group’s performance are also one of the important factors of deciding M&A targets. 7. We shouldn’t neglect conflicts due to different organizational cultures、M&A risk management and integration of IT architecture which need human and material resource involvement from the beginning to the end.
Lin, Chih-Yung, and 林智勇. "Government Banks, Political Interference and Bank Privatization." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/44738751314964974046.
Full text臺灣大學
財務金融學研究所
98
This dissertation consists of three essays on Government Banks, Political Interference and Bank Privatization. The first essay is “De-Privatization: Do Government Banks Perform Better? A Political Interference View.” The second essay is “Bank Privatization, Country Governance, Investor Protection and Bank Regulation.” The third essay is “When Does the Privatization of Banks Improve Performance? Transient or Persistent Effect.” Last, we present the conclusions in last section. Essay 1: De-Privatization: Do Government Banks Perform Better? A Political Interference View Many studies report that government-owned banks underperform compared with private-owned banks. However, no empirical studies have examined the reasons for this evidence. This study addresses this gap using banks from 37 countries from the period 1993 to 2007. For simplicity’s sake, the underperformance of government-owned banks (GOB) is referred to as the “GOB effect.” Two matching methods, the Nearest-Neighbor Matching and Mahalanobis Metric Matching, are adopted to seek matched banks (e.g. sharing similar characteristic variables) located in the same country. We define political interference as the process by which government-owned banks are mandated to merge with a distressed bank. We will then show that government-owned banks, after merging with a distressed bank, suffer adverse performance. This evidence indicates that political interference may be the cause of underperformance. Furthermore, we observed that government-owned banks that did not experience any political interference generally perform as well as private-owned banks. Therefore, we reiterate that political interference negatively affects government banks’ performance, and the GOB effect in stereotypical image is a consequence of political influences. Essay 2: Bank Privatization, Country Governance, Investor Protection and Bank Regulation Many studies report that the privatization of government-owned banks (GOBs) can enhance their performance. For simplicity’s sake, the improvement of bank privatization referred to as the “privatization effect”. However, no empirical studies have examined why privatization effect exists in some countries, but not in others. This study addresses this gap using bank privatization from 43 countries during 1992~2007. Two matching methods, the Nearest-Neighbor Matching and Mahalanobis Metric Matching, are adopted to seek matched banks (e.g. sharing similar characteristic variables) located in the same country. We propose four hypotheses and find that the privatization effect are enhancing when countries with worse country governance, weak investor protection and fewer bank activity regulation. Essay 3: When Does the Privatization of Banks Improve Performance? Transient or Persistent Effect This study compares the performances of privatized banks from 43 countries during 1992-2007 by using four matching theories, Nearest-Neighbor Matching, 1-to-2 Nearest Neighbor Matching, Mahalanobis Metric Matching, and 1-to-2 Mahalanobis Metric Matching. The evidence demonstrates the following: first, the privatized banks outperform non-privatized banks in terms of return on equity (ROE), net interest margin (NIM) and non-performance loan (NPL) but are tied in terms of return on asset (ROA); second, in most cases, full privatization is more effective than partial privatization in improving bank performance ; third, the results demonstrate that privatization through asset sales yield a better performance; and finally, the results demonstrate that improved performance, measured in terms of profitability, is exhibited more in the long-term while with respect to improved performance in terms of asset quality, the improvements are more prevalent in the short-term.
Huang, Shu-Chih, and 黃書智. "Bank Capital and Bank Lending." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/39637830659497762777.
Full text淡江大學
經濟學系碩士班
94
This study investigates the relationships between bank capital and bank lending, and how these relationships vary with the degree of information asymmetry. Applying to a panel of 3,544 banks in 49 countries of the period 1996~2003. Our results shows that: 1. The response of bank lending tends to be stronger for banks with less capital ratios when facing adverse capital shocks. 2. Using the bank capital ratio as a measure of the country’s degree of information asymmetry, the effect of capital loss on bank lending tends to be greater for banks with less capital ratio. 3. Similarly, when using bank assets size ratio as a measure of the country’s degree of information asymmetry, the effect of capital loss on bank lending tends to be greater for small banks.
KUMARI, RASHMI. "AMALGAMATION OF DENA BANK, VIJAYA BANK AND BANK OF BARODA." Thesis, 2019. http://dspace.dtu.ac.in:8080/jspui/handle/repository/16463.
Full textChen, Yann Huei, and 陳彥翬. "A Study on Mergers and Acquisitions of Taiwanese Banks by Private Equity Funds : The Cases of Cosmos Bank, EnTie Bank & TaChong Bank." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/32252875488331162295.
Full text長庚大學
管理學院碩士學位學程在職專班經營管理組
98
Private equity funds often leverage on high portion of debt financing when they acquire companies. With only 25-30% of deal amount being financed by their own equity, these funds pledge the acquired assets to finance the rest of the deal amount. This study investigates the post-acquisition management and potential opportunities and risks from the leveraged buyouts of Taiwanese financial institutions by private equity funds, in particular the cases of Cosmos Bank, EnTie Bank, and TaChong Bank. This study analyzes the post-acquisition development and strategies adopted, and then evaluates the opportunities and future development of these three banks. This study adopts a qualitative research method, relying on different sources to collect related information of the three focused banks. It also discovers implications of different events by interpreting the interconnection of different information, and looks for new findings during the research process. The conclusions from this study are as below: 1.The lucrative financial return for private equity funds during the past decade has led them overlook the timing for acquisitions. Serious erosion to bank earnings by financial crisis is likely to impact deal performance and exiting time frame of private equity funds. 2.It is debatable whether the costs/benefits of hiring from competitors are up to original expectations of private equity funds. 3.Private equity funds need to lay off underperforming staff in a smooth manner and communicate to valuable employees to maintain the morale of remaining employees. 4. Besides financial manipulations, Private equity funds need to focus more on bank's business development in order to precisely elevate the bank's value.
Wang, Xiang-Yu, and 王翔宇. "Monetary Policy, Bank Characteristics and Bank Risk-taking—Based on Panel Data Analysis of Chinese Banks." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/5s68su.
Full textCHIANG, YUEN-FENG, and 江月鳳. "A Study of How Banks React to Bank 3.0---Using Taiwan Cooperative Bank as an Example." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/3c3tv5.
Full text國立中正大學
企業管理系研究所
104
With the improvement of technology, the Internet and mobile network have gained popularity. Such mobile devices as smart phones and iPads have been developed, making people access the Internet more and more easily and frequently. To cope with this development, various businesses have gone through innovations, resulting in the prosperity of e-commerce and the change of people’s lifestyles. Many business are following the trend and becoming digitized. Apps for mobile and online banking are on the rise, creating new ways of doing business. Facing challenges, banking industry could not hold on to old ways of doing business any more. Instead, they must embrace transformation, providing e-commerce and virtual trading platform. Therefore, when Financial Supervisory Commission decided to launch Bank 3.0 in 2015, banks in Taiwan took the initiative to provide such new services as third-party payment, mobile banking and payment. They cooperated with other businesses and made haste to take advantage of this challenge. Taiwan Cooperative Bank has a long history of establishment, going through many economic changes and undergoing many management transitions in accordance with government regulations. It changed from a state-owned bank to a semi-public-owned bank. It merged with many credit cooperatives and agricultural banks and becomes one of the most prominent banks with the most branches among all banks in Taiwan. However, the bank faces many disadvantages which have been accumulated over time and could not be removed easily and quickly. These shortcomings have become stumbling blocks to the bank’s digital transformation. But as technology improves at such a fast pace, the bank simply finds it difficult to tackle these problems all at once. Therefore, how the bank can transform itself and catch up with the international banking standards deserves further study. This thesis uses Taiwan Cooperative Bank as a case study and tries to analyze various problems that the bank is facing, concerning human resources management, business development and revenue increase, and suggests some solutions.
WANG, TING-CHEN, and 王亭蓁. "The Effects of Revenue Diversification and Bank Regulation on Bank Performance: Evidence from Asian Commercial Banks." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/39948437141636469142.
Full text國立臺北大學
經濟學系
102
The purpose of this study is to examine the effects of revenue diversification and bank regulation on bank performance using 476 commercial banks cross 10 Asian countries during 2004 to 2012 by the Panel Data Analysis. The major findings are as follow. First, diversification between interest and non-interest income do positively affect bank performance, however, diversification among non-interest incomes has little effect on bank return. Banks involving in non-traditional activities, especially those fees, commissions, and trading incomes, can create higher returns. Second, by considering activities restriction, capital regulation, and supervision capability as the proxies of bank regulation variables, empirical results show that activities restriction has little effect on bank performance, while capital regulation helping bank to accumulate higher capital will have a positive impact on bank performance. Stricter financial supervision, however, will reduce bank returns and part of the negative impacts may come from inefficient government governance. Lastly, impacts of bank regulation on bank performance are found to be significantly different from those periods of before, during, and after the financial crisis. Periods of during and after the financial crisis, the positive impact of capital regulation on bank performance is found to turn to negative, while the negative impact of supervision capability on bank returns is found to be lessened. Results above indicate that bank regulations may have interfered banks to find ways to avoid loss and thus lowered bank returns during and after periods of the financial crisis.
Kuo, Jen-chang, and 郭仁彰. "The Risk Assessment of Mainland China Bank Equity Investment Strategy for Taiwanese Banks- F Bank Example." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/62498261692782900097.
Full text東吳大學
EMBA高階經營碩士在職專班
100
This study investigated a risk assessment for Taiwanese bank shares of Mainland China bank, through field visit information and discussions of mergers and acquisitions with financial market professionals. I hope by this way in-depth to explore the process of Taiwanese banks in assessing Mainland China banks, as well as the hidden risk factors inside Mainland China banks. Meanwhile, by the professional financial view from the third person erspective, we can understand Taiwanese financial institutions shares of Mainland China banks in the whole picture and cross-strait bank differences, rendering a broader, clearer, and more appropriate status of risk. This article discusses the Taiwanese bank make Mainland China bank equity participations. (1) About Mainland China Urban Banks, the city government-related business deposit and loan rates are too high. The concentrated dependence on the government business is too much. The local government debt concentration of credit risk is big. (2) The original shareholders are most for local governments and nation-owned enterprises. The main purpose of the release of shares are the introduction of strategic investors. The strategic partners are with business experience or they can increase of their market dominance. By the proportion of the release shares which is subject to PRC laws limit, by the control of the party organization or management rights by the local government, a Taiwanese bank shares low degree of the actual operating. So, the agency costs may result in an investment risk booster to a Taiwanese bank. (3) The recognition and treatment of the bad assets in Mainland China banks and whether through the financial practices of earnings management are hidden in the financial statements. So, the Taiwanese bank equity participation acquisition cost becomes higher. The conclusions and the recommendations are Taiwanese banks should continue to grow. The equity participation of Mainland China bank is a necessary option to increase Mainland China market share. For equity participations of Mainland China banks, be sure to join local financial advisors and legal counsels to assist in assessing the financial health of Mainland China banks, to avoid high prices to find a regular partner. The actual initial profit of equity participation in Mainland China banks is very small. However, the Taiwanese banks can greatly reduce the learning time and cost of implementation of the Chinese market. The cross-strait financial supervisions vary considerably. Taiwanese banks should always focus on cross-strait political trends. The potential importance of the rule is far more than the general rules of the mergers and acquisitions. The advantages of Taiwanese banks to do Mainland China bank equity participations depend on operation management thus indirectly to obtain equity bargaining power, but not to over look forward to getting the Mainland China bank control rights. Instead, Taiwanese banks should more concern about the project items which shared object can operate to obtain the concept of commercial sale in the Mainland China, rather than the foreign investment in China.
Rocha, Joana Isabel Pereira da. "The determinants of Bank Lending in Commercial Banks." Master's thesis, 2017. http://hdl.handle.net/10400.14/23625.
Full textThis thesis develops and estimates a demand model for commercial bank loan services to assess the determinants of consumer bank lending choice involving commercial banks. Following the discrete choice literature, consumers typically respond to price and product characteristics. Using data from the U.S. banking industry from 2011 to 2015, the results suggest that consumers respond negatively to an increase in service fees and in loan interest rates. Furthermore, they indicate that consumers prefer younger banks and that asset risk does not influence the decision-making process.