Journal articles: 'Banking and Insurance'

1

Haubrich, Joseph G., and Robert G. King. "Banking and insurance." Journal of Monetary Economics 26, no. 3 (December 1990): 361–86. http://dx.doi.org/10.1016/0304-3932(90)90003-m.

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2

Newman, Karl, and Mads Andenas. "IV. Insurance and Banking." International and Comparative Law Quarterly 45, no. 1 (January 1996): 230–35. http://dx.doi.org/10.1017/s0020589300058772.

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There are still unresolved conflicts at the final stage of the completion of the internal financial market.1 Member State actions have been brought against the European Parliament and Council Directive on Deposit Guarantee Schemes2 and against the Commission Communication on an Internal Market for Pension Funds.1

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Newman, Karl, and Mads Andenas. "IV. Insurance and Banking." International and Comparative Law Quarterly 47, no. 3 (July 1998): 719–24. http://dx.doi.org/10.1017/s0020589300062308.

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The internal financial market is still far from its completion. Parts of the financial market and certain financial institutions are not yet covered by implementing directives. In areas that are covered by directives, transposition by member States has not removed important practical barriers to cross-border establishment and provision of services. An interesting feature of the current developments in the EC regulation of financial markets is the Commission's use of “Communications” to implement Treaty freedoms and so to remedy the situation where the member States have blocked proposals for a directive or where unacceptable barriers remain after their transposition.

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4

Newman, Karl, and David Anderson. "I. Insurance and Banking." International and Comparative Law Quarterly 40, no. 3 (July 1991): 717–20. http://dx.doi.org/10.1093/iclqaj/40.3.717.

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Newman, Karl, and David Anderson. "I. Insurance And Banking." International and Comparative Law Quarterly 42, no. 1 (January 1993): 167–70. http://dx.doi.org/10.1093/iclqaj/42.1.167.

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Rogoziński, Dawid. "Securing Bank Claims by means of Credit Risk Insurance versus Insurance Recourse." Prawo Asekuracyjne 3, no. 100 (September 15, 2019): 47–61. http://dx.doi.org/10.5604/01.3001.0013.5733.

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This article examines the specific nature of the insurance of risks directly related to lending. The dynamic development of cooperation between banking and insurance industries has resulted not only in a greater popularity of the coverages already existing on the market, but also in new types of insurance products directly linked to banking operations and covering risks that were traditionally non-transferable to insurance undertakings. Further comments refer to the functions of insurance recourse in relations with banks. However, the main focus of this study is the confrontation of results of those analyses with the phenomenon of directing recourse claims to the entities carrying the actual and final burden of the insurance cost (borrowers). Moreover, practical solutions adopted by credit institutions which involve the treatment of credit risk insurances as payment protection methods and consequently shift the burden of insurance premium onto the borrower have been assessed.

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Bidabad, Bijan. "Insurance Products in Rastin Profit and Loss Sharing Banking." Indian Journal of Finance and Banking 3, no. 1 (June 28, 2019): 40–54. http://dx.doi.org/10.46281/ijfb.v3i1.344.

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Purpose: This paper aims to explain new insurance products and policies in Rastin Profit and Loss Sharing (PLS) Banking. Rastin Banking is a full Islamic Banking System with all necessary parts for banking operations that can be installed in conventional and Islamic banks both. In this paper, we are going to explain the milestones of new insurance products and policies. Design: Rastin Banking complies with the nature of the intermediary financial activity and has a new type of banking operations. The systems and instruments of this type of banking have different risk treatments, and new insurance policy and measures should be defined to cover the risks of the operations In order to fulfill this goal, appropriate insurance policies are described. Findings: Some new insurance products are defined such as Certificate Insurance, Insurance of Market Value of Certificate, Responsibility/Engineering Insurance, Insurance of Accidents Concerning the Article of Sharing, Collateral Insurance, Loss Margin Insurance, Profit Margin Insurance, Merchandise Transportation Insurance, Production Equipment and Installations Insurance, Product Quality Insurance, Insurance of Commodity under Production, Inventory Insurance, Production Limited Loss Insurance, Transaction Limited Loss Insurance to handle Rastin Banking. Research limitations: Many of these insurance policies are new and require more elaborations for further practical development and adjustment. Practical implications: These insurance products can be used both in Rastin Banking operations as well as conventional business and finance arrangements. These insurance policies have no conflict with indisputable legal principles, and insurance companies can supply these insurance products based on their own actuary calculations. Social implications: The introduced insurance policies actually change profit and loss sharing activity to just profit sharing. Originality/value: Approach of this system and the designed insurance policies is entirely different and new.

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8

Snen, Cyrine. "Deposit insurance and banking stability." Journal of Research and Innovation for Sustainable Society 3, no. 2 (November 15, 2021): 215–20. http://dx.doi.org/10.33727/jriss.2021.2.24:215-220.

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Bazilinska, Olena, and Olena Panchenko. "Conceptual Frameworks of the Development of Banking and Insurance Interaction in Modern Conditions." Scientific Papers NaUKMA. Economics 6, no. 1 (July 30, 2021): 14–20. http://dx.doi.org/10.18523/2519-4739.2021.6.1.14-20.

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The purpose of the article is to reveal conceptual frameworks for further development of the banking and insurance interaction in order to ensure the growth of the value of banking and insurance business on account of the more effective use of their potentials and opportunities.It is noted in the article that banking and insurance interaction is manifested as the provision of insurance services through banking institutions – Banсassurance, the provision of banking services through insurance companies – Assurbanking, the provision of integrated services within financial conglomerates – Allfinanz.In the course of the research, it was determined that the banking channel for the sale of insurance services is the most efficient, and Bancassurance is a system of insurance services sale through the extensive banking network. The necessity and importance of the Bancassurance development, which is actively used in all developed countries, but differs in scale, methods, organizational forms and final financial results, is revealed. This is especially relevant in the context of reforming the regulatory bodies of the state financial market.Within the study, the advantages and disadvantages of Bancassurance and the prerequisites for its development are revealed. Particular attention is paid to the requirements to insurance companies in the process of the Bancassurance implementation. It is noted within the article that the interaction of banks and insurance companies can be carried out at different levels, from the level of the cooperation agreement, agency agreement, banking and insurance cooperation, to the level of the corporate control through the mechanism of mergers and acquisitions and financial supermarket.Within the study the conclusions are made that further development of banking and insurance interaction is conceptually aimed at increasing the role of commercial banks and the formation of “financial supermarkets”, in which each customer can meet the needs of bank services, financial consulting, and insurance. JEL classіfіcatіon: G21, G22

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MAKHDIEVA, Yu M., D. F. NURDINOVA, and K. M. ZAKERGAEVA. "CURRENT PROBLEMS AND PROSPECTS FOR DEVELOPMENT OF BANKING RISK INSURANCE IN RUSSIA." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4, no. 11 (2020): 124–28. http://dx.doi.org/10.36871/ek.up.p.r.2020.11.04.022.

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The article discusses current problems and prospects for the development of banking risks insurance at the present stage. The main reasons for the insufficient development of banking risks insurance in Russia are identified. The most promising areas in the development of banking risks insurance and priority areas for improving the Russian deposit insurance system have been identified.

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Latorre Guillem, Miguel Angel. "The Customer Orientation Service of Spanish Brokers in the Insurance Industry: The Advisory Service of the Insurance Distribution Channel Bancassurance." Sustainability 12, no. 7 (April 8, 2020): 2970. http://dx.doi.org/10.3390/su12072970.

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This research focuses on the customer orientation of insurance brokers, whose activity is regulated by the Law on the mediation of private insurances and reinsurances. The goal is to ascertain whether the intermediation inherent in the insurance broker’s activity, which implies a customer-oriented service, entails a positive behaviour that transcends the immediate environment, reaching society. This study presents a comparative analysis between the insurance brokerage society, characterised by a personalised customer service, and banks’ advisory services on insurance. To this end, the study uses a sample of insurance brokerage firms in Spain. The results presented in this study suggest that the customer values the advisory service provided by the broker. However, for a particular business segment in standardized insurance products and products related to banking assets, customers are more likely to resort to the bank’s services. In addition, the results indicate that the commission percentages applied by the entities operating in the banking insurance channel exceed those perceived by the insurance broker. With all this, intermediation in the development of the insurer’s activity can entail social behaviour that involves customer-orientation and, possibly, social service and environmental performance.

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Kaushal, Shrutikeerti, and Amlan Ghosh. "Economic growth and the development of banking and insurance sector in the post-liberalized India." International Journal of Social Economics 44, no. 12 (December 4, 2017): 2187–207. http://dx.doi.org/10.1108/ijse-04-2016-0121.

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Purpose The importance of banking and insurance, as an important part of the financial system, has been well accepted in the growth literature. Acting as financial intermediaries they perform important functions that may contribute in economic growth. Addressing this issue, the purpose of this paper is to empirically examine the relationship between banking, insurance and economic growth in India in the post-liberalized era when the private sector was allowed to operate banking and insurance business. Design/methodology/approach In order to find the long-run and short-run relationship between banking, insurance and economic growth, the study uses the VAR-vector error correction model (VECM) along with Granger causality test to explore any causal relationship. Findings The results indicate that there is the long-term relationship between banking, insurance and economic growth and the causality results show a bi-directional relationship between insurance activity and economic growth; however, banking is not granger cause of insurance or economic growth rather it is economic growth that cause banking development. Research limitations/implications The only limitation to the study is the non-availability of monthly figures of GDP. The study therefore, as suggested by RBI, uses monthly data set of Index of Industrial Production to measure economic growth. Practical implications The findings of the study give policy directions to the policymakers to make strategies that are conducive toward boosting development in insurance in order to achieve the targeted economic growth. Originality/value This work is the first attempt to study the conjoint relationship between banking, insurance and economic growth on the Indian economy after the reforms were initiated in the financial sector.

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13

Gersbach, H. "Preventing Banking Crises--with Private Insurance?" CESifo Economic Studies 59, no. 4 (February 21, 2013): 609–27. http://dx.doi.org/10.1093/cesifo/ifs043.

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14

Andersen, Torben. "Banking and insurance sectors/ Euro-FIET." Transfer: European Review of Labour and Research 6, no. 1 (February 2000): 110–14. http://dx.doi.org/10.1177/102425890000600111.

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15

HORVITZ, PAUL M. "The Combination of Banking and Insurance." Growth and Change 16, no. 4 (October 1985): 10–19. http://dx.doi.org/10.1111/j.1468-2257.1985.tb00922.x.

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16

Nurullah, Mohamed, and Sotiris K. Staikouras. "The Separation of Banking from Insurance: Evidence from Europe." Multinational Finance Journal 12, no. 3/4 (December 1, 2008): 157–84. http://dx.doi.org/10.17578/12-3/4-1.

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17

Wulandari, Ries Wulandari, and Nurhuda Abdullah. "ANALYSIS OF IMPLEMENTATION OF SHARIA INSURANCE FOR THE AGRICULTURE SECTOR." At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam 7, no. 1 (June 30, 2021): 96–111. http://dx.doi.org/10.24952/tijaroh.v7i1.3314.

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The allocation of financing for agricultural sector in Islamic Banking Institution is low compare to the other sector. The risk of high uncertainty, which includes the level of damage to farms and the level of crop failure, become the financing risk consideration for the banking. Rice farm insurance can be an alternative to mitigate this risk so Islamic the banking will have partner to share the risk. The insurance practice for agricultural sector has been initiated by the Ministry of Agriculture. But there are still some limitation due to the insurance inclusion and shariah compliance issues. This research provide proposal the implementation of shariah agricultural insurance with Analytical Network Methodology (ANP). The objectives of this study are 1) analyze the benefit, opportunity, cost, and risk of the implementation of Islamic agricultural insurance and 2) find the most important aspect due to the shariah agricultural insurance implementation. The research found that the most important aspect is opportunity. This insurance will give opportunity to the farmer by provide protection for the crop from the risk of harvest failure with shariah compliance and using shariah banking. The shariah scheme will help the government increasing the insurance inclusion. This scheme will benefit the farmer due to the increasing of crop insurance awareness. The requirement of this implementation comes from the cost aspect, namely legal aspect. And the risk will rise from the moral hazard as fraud claim. The results of this study indicate that the implementation of shariah insurance for the agricultural sector has opportunities and benefits, but there are still some notes to be addressed. This shariah insurance together with Islamic banking and the sustainability of agricultural sector.

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18

Alam, Nafis, Ganesh Sivarajah, and Muhammad Ishaq Bhatti. "Do Deposit Insurance Systems Promote Banking Stability?" International Journal of Financial Studies 9, no. 3 (September 18, 2021): 52. http://dx.doi.org/10.3390/ijfs9030052.

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During the global financial crisis (GFC), regulators and policymakers turned to deposit insurers, along with monetary and fiscal measures, to help restore market confidence and promote financial stability. These events have focused attention on the role of deposit insurers and their role in the banking system. Recent literature reveals that during the GFC, deposit insurance maintained banking stability and successfully prevented customers doing ‘runs’ on the banks. The objective of this paper is to examine the deposit insurance system’s coverage limits and the impact on banking stability, in the context of a jurisdiction’s economic and institutional environment. Our model examines 61 jurisdictions in Asia and Europe with explicit deposit insurance systems, covering the pre- and post-GFC period between 2004 and 2014. We also examine subsets to investigate the effects of the region by comparing Asia and Europe, as well as a subset using the date of establishment of the deposit insurance system to understand if maturity matters. The results indicate that deposit insurance systems, and specifically deposit insurance coverage levels, have both positive and negative effects on banking stability. We find significant associations with certain economic and institutional factors; however, there are differences between the models we ran. These can be ascribed to regional factors and the date of when a deposit insurance system was established.

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Effendi, Jaenal. "Potential of Islamic Insurance Market: Islamic Banking and Sukuk Sectors Case Study in Indonesia." Global Review of Islamic Economics and Business 9, no. 1 (October 14, 2021): 097. http://dx.doi.org/10.14421/grieb.2021.091-07.

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This paper predicts the potential of the Indonesian Islamic insurance market, approached by calculating the premium contribution from the Islamic banking and sukuk sectors. This paper aims to determine and analyze the potential development of Islamic insurance market in Indonesia, seen from total contributions from Islamic banking and sukuk sectors over the next five years. The paper uses the Box-Jenkins ARIMA method which is one of the quantitative forecasting methods. The results of this study indicate that over the next five years, the total contribution of Islamic insurance will experience positive growth and it is predicted that it will have a total contribution of IDR 11,568.40 billion in 2023 from Islamic banking and sukuk sectors with the biggest contributor from the Islamic banking sector. The ARIMA forecasting results show a positive trend in the premium contribution of the Islamic banking and sukuk sectors from year to year. Even so, the growth will experience a slowdown. The prediction of a slowdown in the two sectors in its contribution to the Islamic insurance market in Indonesia is a sign that there might be a decline in the total financing growth by Islamic banking. Likewise with the sukuk sector, both state and corporate sukuk are predicted to experience a slowdown in the growth of Islamic insurance premiums.

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Lee, Chien-Chiang. "INSURANCE AND REAL OUTPUT: THE KEY ROLE OF BANKING ACTIVITIES." Macroeconomic Dynamics 17, no. 2 (November 4, 2011): 235–60. http://dx.doi.org/10.1017/s1365100511000101.

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This paper applies panel cointegration tests and panel vector error correction models for 17 OECD countries and considers cross-sectional dependence and structural breaks to investigate the interrelationship between an insurance market's development and real output, controlling for banking activities. We first obtain evidence of a fairly strong long-run equilibrium relationship among them. Second, we find that insurance market development has positive effects on real output and that banking activities have an unfavorable, if not negative, effect on real output. In fact, insurance market activity is much more productive than banking sector activity. Finally, there exists bidirectional causality between insurance premiums and economic growth in the long run, suggesting the existence of the feedback hypothesis for the insurance–output nexus.

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Soria Bastida, Juan Pablo. "La participacion de filiales aseguradoras en la comercialización de prestamos hipotecarios: extensión de posición dominante al mercado de seguros español." Revista de Derecho de la UNED (RDUNED), no. 25 (March 13, 2020): 715. http://dx.doi.org/10.5944/rduned.25.2019.27018.

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Las entidades de crédito llevan décadas anudando contratos de préstamo hipotecario con contratos de seguro producidos por sus propias filiales aseguradoras. La distribución de estos seguros en el mercado de banca minorista ha sido masiva, contribuyendo al crecimiento exponencial del canal banca-seguros y al aprovechamiento de las redes bancarias. En este trabajo se examinan, desde nuestro sistema de libre competencia, las condiciones de competencia surgidas a través de la práctica de vinculación y sus repercusiones frente al resto de operadores del sector del seguro. For decades, loan institutions have been tying mortgage loan contracts with insurance contracts produced by their own insurance subsidiaries. The distribution of these insurances in the retail banking market has been massive, contributing to the exponential growth of the bancassurance channel and the use of banking networks. This paper examines, from our system of free competition, the conditions of competition arising through the tying practice and its repercussions in relation to the rest of the insurance sector operators.

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Tsyganov, Alexander A., and Sergey V. Maslennikov. "INSURANCE REGULATION PECULIARITIES IN THE BANK INSURANCE PRACTICE IN THE EUROPEAN UNION." Banking law 6 (December 10, 2020): 44–57. http://dx.doi.org/10.18572/1812-3945-2020-6-44-57.

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In the Russian Federation, bancassurance has already become a relatively common type of interactions between banks and their customers in selling insurance, with banks being the main channels for distributing insurance services in exchange for commission. Borrowers are known to be the weaker side of a contract, which leads to banks impose insurance services and commission, which the banks may capitalize on. This indicates a significant issue for the local antitrust and banking regulations. The article describes the expertise in managing these activities in the member countries of the European Union and provides recommendations for a possible legal regulation of insurance and banking activities in Russia.

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Permana, Sidiq Jati. "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI ABNORMAL RETURN SAHAM PADA PERUSAHAAN PERBANKAN DAN ASURANSI YANG TERDAFTAR DI BURSA EFEK INDONESIA." BISMA 11, no. 1 (January 9, 2017): 12. http://dx.doi.org/10.19184/bisma.v11i1.6205.

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Abstract: This research aims to analyzes the effect of profitability (NPM and ROE) and leverage (DER and DR) partially to stock abnormal returns at the Banking and Insurance Companies Listed Indonesia Stock Exchange, also to analyze the different effect of profitability (NPM and ROE) and leverage (DER and DR) on stock abnormal returns at the Banking and Insurance Companies Listed Indonesia Stock Exchange. Data used in this research are secondary data collected from ICMD and Annual Report of Companies in Indonesia Stock Exchange at 2010 – 2014, and www.yahoofinance.com. The populations in this research are the Banking and Insurance Companies Listed in Indonesia Stock Exchange. Sampling method is purposive sampling. The model of analysis used in this research is multiple linier regressions. Results of this research show that NPM have positively and significant effet on stock abnormal return at the Banking and Insurance Companies Listed Indonesia Stock Exchange. ROE have positively and significant effect on stock abnormal returns. DER has negatively but not significant effect on stock abnormal returns at the Banking and Insurance Companies Listed Indonesia Stock Exchange. DR has positively but not significant effect on stock abnormal returns at the Banking Companies Listed Indonesia Stock Exchange. While for the insurance companies, DR has negative effect but not significant on stock abnormal returns. There are differences in the effect of profitability (NPM and ROE) and leverage (DER and DR) to the stock abnormal returns on the Banking Companies Listed Indonesia Stock Exchange .Keywords: profitability, leverage, Net Profit Margin/NPM, Return on Equity/ROE, Debt to Equity Ratio/DER, Debt Ratio/DR, and abnormal return

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Dubyna, Maksym, Iryna Serediuk, and Natalia Bilous. "РОЛЬ КІБЕРСТРАХУВАННЯ В СИСТЕМІ РИЗИК-МЕНЕДЖМЕНТУ БАНКІВСЬКИХ УСТАНОВ." PROBLEMS AND PROSPECTS OF ECONOMIC AND MANAGEMENT, no. 1(21) (2020): 183–96. http://dx.doi.org/10.25140/2411-5215-2020-1(21)-183-196.

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Within the article, the role of cyber insurance in the development of risk management systems of banking institutions is researched, namely, the essence of this system is specified, conditions of cyber risks and their potential for threats to banking institutions are identified. Considerable attention is paid to the analysis of the consequences and actions of cyber attacks in the activities of these institutions, the essence of cyber insurance as a method of minimizing losses from such influences is studied, peculiarities of providing cyber risk insurance services by insurance companies to commercial banks are specified. In addition, current trends as for the costs of organizations to take measures to ensure their own cybersecurity and purchase of appropriate insurance products are revealed, measures to improve security of banking institutions based on improving their internal control systems and financial security are specified.

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Zemlyacheva, Olga Andreevna. "BANKS AND INSURANCE COMPANIES IN THE FINANCIAL SERVICES MARKET." Scientific Bulletin: finance, banking, investment., no. 4 (53) (2022): 80–86. http://dx.doi.org/10.37279/2312-5330-2020-4-80-86.

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Foreign and domestic practice indicates that banks and insurance companies are key participants in the global, international and national financial markets and their segments, including financial services markets. The analysis of the world economy, the services market, financial services, and the banking and insurance markets for 2009–2016 confirmed the conclusions that banks and insurers are the drivers of the global economic and financial system, as well as key components of the services and financial services markets. The same can be said about economically developed countries, where banking and insurance services account for up to 10% of national GDP. Additionally, trends in the development of foreign markets for banking and insurance services are studied, with an emphasis on the markets of economically developed countries

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Vukovic, Ognjen. "Operational Risk Modelling in Insurance and Banking." Journal of Financial Risk Management 04, no. 03 (2015): 111–23. http://dx.doi.org/10.4236/jfrm.2015.43010.

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Kaushal, Shrutikeerti, and Amlan Ghosh. "Banking, insurance and economic growth in India." Journal of Financial Economic Policy 10, no. 1 (April 3, 2018): 17–37. http://dx.doi.org/10.1108/jfep-03-2017-0022.

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Diamond, Douglas W., and Philip H. Dybvig. "Banking Theory, Deposit Insurance, and Bank Regulation." Journal of Business 59, no. 1 (January 1986): 55. http://dx.doi.org/10.1086/296314.

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Diallo, Boubacar, and Abdullah Al-Mansour. "Shadow banking, insurance and financial sector stability." Research in International Business and Finance 42 (December 2017): 224–32. http://dx.doi.org/10.1016/j.ribaf.2017.04.024.

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Pozdena, Randall J. "Danish banking: Lessons for deposit insurance reform." Journal of Financial Services Research 5, no. 3 (February 1992): 289–98. http://dx.doi.org/10.1007/bf00115323.

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Demirgüç-Kunt, Asli, and Enrica Detragiache. "Does Deposit Insurance Increase Banking System Stability?" IMF Working Papers 00, no. 3 (2000): 1. http://dx.doi.org/10.5089/9781451841893.001.

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N.A., Leandro Ferreira Pereira. "Supply of Cyber Insurance in Banking Sector." International Journal of Procurement Management 1, no. 1 (2021): 1. http://dx.doi.org/10.1504/ijpm.2021.10040830.

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Calomiris, Charles W. "Is Deposit Insurance Necessary? A Historical Perspective." Journal of Economic History 50, no. 2 (June 1990): 283–95. http://dx.doi.org/10.1017/s0022050700036433.

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The motivation and structure of various banking insurance experiments in U.S. history are analyzed, along with their political alternative, branch banks. In both the antebellum period and in the 1920s, insurance systems that relied on self-regulation, made credible by mutual liability, were successful, while compulsory state systems were not. Branch banking increased stability and resiliency to shocks.

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Imomov, Umidjon G'ayratjonovich. "Methodological Bases Of Islamic Insurance." American Journal of Interdisciplinary Innovations and Research 03, no. 06 (June 8, 2021): 154–58. http://dx.doi.org/10.37547/tajiir/volume03issue06-20.

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This article discusses in detail the methodological foundations of Islamic insurance. An Islamic bank is “a commercial organization that opens and maintains bank accounts in accordance with Islamic law, makes payments, raises funds for deposits, finances individuals and legal entities, and provides other banking services”. Sharia (Islamic law) requires these transactions to be legal. That is, permission from the Shari’ah production projects that are safe for the given society finances and pays or receives interest on any transactions prohibits.

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Agus Salim, Muhammad. "KESIAPAN PEMERINTAH MENERAPKAN GREEN BANKING MELALUI POJK DALAM MEWUJUDKAN PEMBANGUNAN BERKELANJUTAN BERDASARKAN HUKUM POSITIF DI INDONESIA." Yustitia 4, no. 2 (October 22, 2018): 119–41. http://dx.doi.org/10.31943/yustitia.v4i2.40.

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The world of banking in Indonesia began to show its concern for environmental problems through various banking activities known as Green banking. Green banking is a program for a financial institution that makes sustainability a top priority in its business. Currently banks that have pledged green banking are required in OJK Regulation Number 51 / POJK.03 of 2017 concerning the Implementation of Sustainable Finance for Financial Service Institutions, Issuers and Public Companies to report on the results of implementing green banking. This writing discusses how the legal consequences of the implementation of green banking for banking business activities in Indonesia after the enactment of POJK Number 51 / POJK.03 in 2017 concerning the Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies and how OJK conducts supervision. This study is a legal research using a normative juridical approach and descriptive analytical research specifications. The data used in this study are secondary data consisting of primary, secondary and tertiary legal materials. Data obtained through library studies and field research in the form of legislation, books, journals, and electronic media. The findings of this study are 2 (two) explanations namely First, the legal consequences of the implementation of green banking in banking business activities in Indonesia in realizing sustainable development have not been able to be carried out due to banks and financial services institutions both banks and non-banks do not yet have specific guidelines or references governing this green banking. Second, the obligation for banks that have pledged green banking is to provide insurance for the environment, considering that banking business activities also include insurance referring to Article 7 of the Banking Law. OJK has actually launched environmental insurance, but the Indonesian government has not responded to anything that has been conveyed by the OJK. The reason for the government according to the OJK informants is that the development of a little more would certainly damage the environment, so that environmental insurance is impossible in Indonesia.

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Mamchur, R., and Y. Tkachenko. "Analysis of integration processes of banking institutions and insurance companies in Ukraine." Bioeconomics and Agrarian Business 11, no. 3 (March 3, 2021): 69–76. http://dx.doi.org/10.31548/bioeconomy2020.03.069.

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The processes of globalization, technology improvement and increasing competition put banks and insurance companies in need of increasing and changing the range of their services. The requirement to increase the level of profitability of their own activities stimulates the integration processes of banks and insurance companies and is one of the options to increase the supply of financial assets and increase demand for them. Was determined that when considering the integration processes between banks and insurance companies, it is important to study such areas of cooperation as the joint formation and use of financial resources, the creation of joint financial products and the conduct of joint marketing policy. During the analysis was proved, that bank deposits occupy the largest share among all other financial instruments and, as a result, provide insurers with the largest share of financial income, and investing in the capital of insurance companies remains a priority source of credit and investment resources for banks. The article proves that in Ukraine the most promising in the functioning of banks and insurance companies is a form of cooperation such as banсassurance, as the population has a greater demand for banking products and trusts more banks than insurance companies do. This concept of cooperation will lead to a synergistic effect, i.e. the demand for the purchase of one product (banking) will facilitate the purchase of another (insurance), which is the main purpose of bancassurance. The study identified the main benefits of cooperation between banks and insurance companies, including increased service because of a combination of banking and insurance products, providing non-traditional banking services, creating sources of additional income, reducing the cost of certain insurance services.

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Mamchur, R., and О. Nazarenko. "Bancassurance as a form of effective cooperation between banks and insurance companies." Bioeconomics and Agrarian Business 11, no. 2 (September 24, 2020): 58–65. http://dx.doi.org/10.31548/bioeconomy2020.02.058.

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At the present stage of financial market development, the needs of individual clients are constantly growing. Competition in the market of traditional services between banks, as well as between banks and non-banking institutions is intensifying. With this in mind, banks must constantly work to diversify their sources of income, develop new services for the banking system; as a result, there are products of cooperation such as bancassurance. However, the level of their development is quite low, which requires appropriate research and generalization of their results in order to develop appropriate recommendations to improve the efficiency and further development of this type of cooperation. The leader in the provision of parabanking services in Ukraine is the insurance market, but its level of development is much lower than in foreign countries. The combination of banking and insurance services is one way to maintain and even increase the number of customers and assets. The interaction of banks and insurance companies can take various forms, including bank insurance and the provision of banking services to insurance companies – placement of funds, settlement services and others. The article examines the emergence of the concept of bancassurance, as a relatively new type of interaction between banks and insurance companies. The formation of such cooperation in Ukraine took place during three main stages. The main advantages of bancassurance singled out separately for insurance companies, for banks and for the clients themselves – consumers of financial services. An analysis made in terms of five banks in the Ukrainian financial market, and the most relevant insurance products they offer and with which companies work closely selected. The study found that in the insurance market of Ukraine, the dynamics of net insurance premiums and payments tends to increase. Insurance companies through the sale of services in banking institutions receive about a third of income. For the purpose of generalization, a SWOT analysis of bancassurance presented, with a clear identification of advantages, disadvantages and opportunities for further development in the Ukrainian financial market. It is determined that bancassurance has many advantages and potential opportunities for further improvement and expansion within Ukraine, while the shortcomings and threats are based on the existing shortcomings of the domestic financial market.

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Zharikova, O., and K. Cherkesenko. "Bankinsurance: new challenges and development prospects in Ukraine." Bioeconomics and Agrarian Business 11, no. 3 (March 3, 2021): 16–36. http://dx.doi.org/10.31548/bioeconomy2020.03.016.

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The article reveals the essence of modern bank insurance and new challenges and prospects for development in Ukraine. The definition of "bank insurance" is theoretically substantiated and the general financial and economic characteristics of Ukrainian banks are realized. The normative indicators of commercial institutions are analyzed and the main risks affecting banking and insurance activities and the possibility of their leveling are identified. Theoretical and practical information on the process of merging the capital of banks and insurance companies, financial and economic analysis of one of the largest banks in modern Ukraine - JSC "PrivatBank", and assessed the financial stability of its insurance partners. A study of the insurance market of Ukraine with the definition of possible prospects for cooperation with the studied bank. From the calculations, it was found that PrivatBank can be recommended to find new partners for cooperation between leading companies such as AXA Insurance and Providna. It is established that banking insurance technologies have a significant place at the present stage of development of the domestic financial segment. Using a large customer base and a wide network of branches and outlets, banking experts expect that revenues from the sale of insurance products in 2021 may amount to 15% of total bank revenues, as the volume of bank insurance in "PrivatBank" is growing quite rapidly. The activity of banks in market conditions is subject to its general laws, and therefore requires the development of a viable mechanism for managing financial activities, aimed at increasing the competitiveness of banks. Thus, the ability of bank managers to determine the degree of financial stability of their own bank, competing banks and counterparties plays an important role. Therefore, one of the principles of further rapid development of the banking system of Ukraine is the search for ways to optimize the financial condition of the bank.

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Pantos, Themis D. "EU Banking Directives: risk and wealth effects on the Greek financial sector." Journal of Risk Finance 9, no. 1 (January 4, 2008): 9–19. http://dx.doi.org/10.1108/15265940810842384.

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PurposeThe paper seeks to examine whether or not wealth effects and changes in the systematic risk associated with the return structure of the Greek commercial chartered banks, investment firms and insurance companies resulted from the passage of the European Union Banking Directives over the period 1988‐1997.Design/methodology/approachUsing monthly stock returns from the DataStream database for the period January 1988 to December 1997, the separate effects of each of the EU Banking Directives on Greek commercial chartered banks, investment firms and insurance companies are tested. The “seemingly unrelated regression” methodology is utilized to test three portfolios consisting of an equally weighted banking, investment and insurance index made up of major Greek banks, investment firms and insurance companies respectively. The Greek Market Index serves as a proxy for the market portfolio. All the aforementioned indices were converted to returns using the log difference method.FindingsEmpirical results indicate that the systematic risk dramatically increased for Greek insurance and investment firms and moderately increased for Greek commercial chartered banks through the tabling of the Free Capital Movement Directive in the Greek Parliament. After controlling for systematic risk, the results suggest that the passage of the Free Capital Movement Directive did not create wealth effects for the shareholders of commercial chartered banks, investment firms and insurance companies. Conversely, the results demonstrate that the Second Banking, Investment Services and Capital Adequacy Directives produced no wealth effects for the investment firms and insurance companies, but not for commercial chartered banks' shareholders. The whole wealth effect on the Greek financial sector was neutral.Originality/valueThis article will be of value to academics, bankers, bank regulators, practitioners, and economic policy makers who are interested in the regulatory evolution of the EU banking industry.

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Syamsi, Delyuzar. "Manajemen Perbankan Syariah, Strategi Dan Praktik Dalam Dunia Bisnis." Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis 6, no. 1 (May 4, 2021): 24. http://dx.doi.org/10.32493/pekobis.v6i1.p24-31.18647.

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Islamic Banking Management according to Islam which refers to morals, compensation in the form of fulfilling the basic needs of workers, human and spiritual factors, and proximity to subordinates based on ukhuwah Islamiyah (Abu Sin). Sharia Banks as trust institutions that collect and channel third party funds are involved and responsible for improving people's living standards, as mandated by Law Number 21 of 2008 concerning Sharia Banking. Sharia financial institutions have very promising prospects in the fields of banking, insurance, and capital markets. The market potential is very large, both for banking and insurance, although its market share is still below 1%. Understanding and socialization to the public about Islamic banking products and systems in Indonesia is still very limited. This is supported by data obtained by Bank Indonesia, that as of October 2015, Islamic banking was only 3.5-5% of the total national banking market share (the Point, 2015).

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Nyholm, Ken. "Insurance and Banking Interconnectedness in Europe: The Opinion of Equity Markets." Economics Research International 2012 (August 28, 2012): 1–8. http://dx.doi.org/10.1155/2012/525089.

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Conditional expected shortfalls calculated for European insurance companies and banks under stressed market conditions are shown to be of similar magnitudes. Measured at 95% and 99% stress levels, on data covering the period from 1995 to 2011, the equity-return tail losses of insurance undertakings and banks are indistinguishable. Granger causality analysis, on all pairs of banks and insurance companies included in the sample, shows that banks and insurance companies have equal propensity to cause each others price movements. Even though the business model of insurance undertakings is different from the business model typically applied by banks, and even though insurance companies are not depending to a similar degree on short term funding as banks, the empirical results indicate that the financial equity markets in Europe do not differentiate their trading of banks and insurance companies in periods of stress.

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Naveena, L., and S. Venkatesh. "An Comparative Study of Pre and Post Health Insurance Schemes in Karnataka." Shanlax International Journal of Management 8, S1-Feb (February 26, 2021): 204–9. http://dx.doi.org/10.34293/management.v8is1-feb.3777.

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The health insurance schemes are very necessary to everyone in Indian country are with regards improve their life styles and which is including for very essential for every one for improving their health and some of strategies to improve the own insurance companies potential even insurance companies are majorly help to the employees their health and family members. Insurance Corporation is a sector of Health Insurance that has emerged as a major growth driver and as the most prominent segment in the expansion of insurance space. The study highlighted that health insurance and health insurance schemes are one of the largest Social Security Schemes of the world where no upper limit on medical expenditure has been fixed for beneficiaries. The study was made on the overview of health insurance Corporation of India and tries to bring out the banking details of provisions available to customer and persons and their dependents both in and banking facilities under the Employees of Karnataka state.

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Wheelock, David C. "Government Policy and Banking Market Structure in the 1920s." Journal of Economic History 53, no. 4 (December 1993): 857–79. http://dx.doi.org/10.1017/s0022050700051342.

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This article investigates interstate differences in banking market structure during the 1920s. It finds that the number of banks per capita and the ratio of state-chartered to federally chartered banks were highest in states with deposit insurance systems, low minimum capital requirements, and branching restrictions. In the 1920s banking consolidation was greatest where falling incomes caused high failure rates, in states with deposit insurance, and where branching increased. After 1920, the high failure rate of insured state banks caused the ratio of state–chartered to federally chartered banks to decline relatively more in states with insurance systems.

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Offiong, Amenawo Ikpa, Peter Kekung Bessong, Arikpo Oka Felix, Godwin Bassey James, and Anthony Ogar. "Deposit Insurance Scheme Activities on Deposit Mobilization of International Association of Deposit Insurer Member Countries: Post Coreprinciple Effect." International Journal of Financial Research 11, no. 6 (December 1, 2020): 73. http://dx.doi.org/10.5430/ijfr.v11n6p73.

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This study examined deposit insurance schemes’ activities and its effect on deposit mobilization of the International Association of Deposit Insurers (IADI) member countries. The study dwelled on the banking sectors post-core principles of the member countries. The study assessed the effect of deposit insurance fund, deposit insurance cover, deposit insurance premium and deposit fully covered on the total deposit of the banking sectors of 21 member countries of IADI spanning the period 2014 to 2018. Data were sourced from the annual reports of the selected countries Deposit Insurance Agencies. The study adopted the ex-post facto research design. The estimating technique was panel Vector Error Correction Model (VECM). Findings from the analyses showed that deposit insurance scheme activities of member countries did not significantly affect IADI’s member countries banking sectors deposit mobilization after the implementation of the core principle. IADI, as a policy-making body must, therefore, review and localize its core principles and policies in line with member countries’ uniqueness and financial realities through investment in research in member countries to isolate unique factors peculiar to member countries and streamline policies to capture member countries’ financial and economic conditions. IADI should monitor the compliance level of member countries to ensure strict implementation of its policy and principles by member countries.

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Travkina, Yelena Vladimirovna. "Improving the System for Ensuring the Reliability of Savings Returns in the Russian Banking Sector." Общество политика экономика право, no. 9 (September 2020): 24–29. http://dx.doi.org/10.24158/pep.2020.9.4.

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One of the most multifaceted and multidimensional socially significant categories in the development of the Russian savings system is its stability and relia-bility. In this regard, the study of ways to improve the system of guarantees of reliability of savings in the banking sector as one of the segments of the Russian savings system is an important tool in de-termining the directions of its further effective de-velopment. The paper assesses the main levels of implementation of the modern system of guarantees of the reliability of savings return in the banking sector, analyzes the world experience of building Deposit insurance systems, reveals the transfor-mation of insurance compensation in the historical perspective and methods of deducting contribu-tions to the Deposit insurance Fund. The directions of improving the efficiency of the Deposit insurance system are highlighted, namely: the use of strict measures to detect criminal mechanisms in Deposit insurance, strengthening control by bank superviso-ry authorities and banks’ creditors, improving finan-cial literacy of the population, expanding the boundaries of the Deposit insurance system in the extension of state guarantees to entities and funds trust management. The author’s mechanism for im-plementing guarantees of reliability of savings re-turns in the subsystem of banking institution is proposed.

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Renuka, S., and G. P. Dinesh. "Impact of New Trends on Banking and Insurance." Asian Journal of Management 9, no. 3 (2018): 1149. http://dx.doi.org/10.5958/2321-5763.2018.00185.3.

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Morel, Christophe. "Deposit Insurance as a Tool for Banking Supervision." Revue d'économie financière (English ed.) 60, no. 5 (2000): 233–44. http://dx.doi.org/10.3406/ecofi.2000.4518.

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De Nicoló, Gianni. "Run-proof banking without suspension or deposit insurance." Journal of Monetary Economics 38, no. 2 (October 1996): 377–90. http://dx.doi.org/10.1016/s0304-3932(96)01278-0.

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Cooper, Richard N., and Hal S. Scott. "Capital Adequacy beyond Basel: Banking, Securities, and Insurance." Foreign Affairs 84, no. 6 (2005): 139. http://dx.doi.org/10.2307/20031792.

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Samuels, Michael. "The correlation matrix problem in insurance and banking." International Journal of Mathematical Education in Science and Technology 35, no. 3 (May 2004): 353–61. http://dx.doi.org/10.1080/00207390410001686535.

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Journal articles on the topic 'Banking and Insurance'

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