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Hazarika, Sanjay Iswar. "Europe 1992 and the banking industry." Thesis, Massachusetts Institute of Technology, 1991. http://hdl.handle.net/1721.1/57935.
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Walker, Jonathan Lamont. "Essays on the commercial banking industry." Thesis, Massachusetts Institute of Technology, 1991. http://hdl.handle.net/1721.1/107035.
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Botha, Kooi. "The banking industry – strategy reporting trends." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/21383.
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Thesis (MBA)--Stellenbosch University, 2012.ENGLISH ABSTRACT: Throughout the years, organisations were known for only reporting on their financial position, but due to stakeholders becoming more informed about the sustainability crisis, organisations realised the importance of moving away from only reporting on financial information and are now also including information about the impact of their activities on the society and environment in which they operate in sustainability reports. King II stipulated that organisations should produce a sustainability report during their reporting period, while King III recommends integrated reporting. Integrated reporting suggests that both the annual and sustainability report should be published at the same time. As a result, King III places a lot of emphasis on the alignment risk, performance, strategy and sustainability. This allows the integrated report to supply all stakeholders with forward looking information, as well as strategic direction. The purpose for this research is to evaluate the extent to which organisation in the banking industry disclose information about their strategy. Information were gathered and analysed to determine where aspects of strategy are disclosed at an above average to excellent level or whether strategy disclosure were lacking or below average. This study specifically focussed on information disclosed in the 2010 annual and sustainability reports of organisations in the banking industry such as Absa, Investec, Nedbank, Standard Bank and FirstRand. The study concluded that the level of disclosure for strategic information in annual and sustainability reports for organisations in the banking industry, is average at 53 percent.
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Ayogu, Melvin Damian. "Strategic competition in the banking industry." The Ohio State University, 1989. http://rave.ohiolink.edu/etdc/view?acc_num=osu1277837048.
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Ayogu, Melvin D. "Strategic competition in the banking industry /." The Ohio State University, 1989. http://rave.ohiolink.edu/etdc/view?acc_num=osu1487599963593017.
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Pereira, João André Calviño Marques. "Regulation issues in the banking industry." reponame:Repositório Institucional do FGV, 2011. http://hdl.handle.net/10438/8216.
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This dissertation aims to examine the factors that drive the bank decision process of capital/investment structure and to evaluate the effectiveness of regulatory intervention in Brazil. This study is divided into three chapters. The first chapter presents, in a systematic fashion, the theoretical and empirical literature to explain the financing and investment decisions of a heavily regulated banking firm. It also describes the evolution of international standards of prudential capital regulation, since the publication of the first Basel Accord until the initial steps of Basel III, and the regulatory scenario in Brazil. The second chapter, through a dynamic model of the trade-off theory, analyzes the determinants of Brazilian banks‟ capital buffer between 2001 and 2009, suggesting that: (i) regulatory capital requirements and adjustment costs may influence banks decisions; (ii) supervisory authority evaluations may impact capital buffers; (iii) market discipline may not being effective in improving bank solvency; and (iv) there is a negative relationship between the buffer and business cycle, which may represent a pro-cyclical bank’s capital management. Finally, the third chapter uses supervisory authority ratings (CAMEL) to provide evidences that the supervisory and regulatory pressures induce banks in Brazil to undertake downwards short term adjustments in leverage and also in portfolio risks.
Esta tese tem por objetivo examinar os fatores que direcionam o processo decisório de estrutura de capital/investimento do banco e avaliar a efetividade da intervenção regulatória no Brasil. O trabalho está divido em três capítulos. No primeiro capítulo, apresenta-se, de forma sistematizada, arcabouço teórico e evidências empíricas na literatura para explicar o comportamento da firma bancária, fortemente regulada, em suas decisões de financiamento e investimento. Além disso, descreve-se a evolução dos padrões internacionais de regulação prudencial de capital, desde a publicação do primeiro Acordo de Basiléia até as medidas iniciais de Basiléia III, apresentando também o contexto normativo no Brasil. No segundo capítulo, por meio de modelo dinâmico da teoria de trade-off, analisam-se os determinantes do buffer de capital dos bancos brasileiros entre 2001 e 2009. Os resultados sugerem que: (i) o requerimento regulatório de capital e os custos de ajustes de capital influenciam nas decisões dos bancos; (ii) as avaliações da autoridade de supervisão bancária impacta os colchões de capital; (iii) a disciplina de mercado pode não ser efetiva em aumentar a solvência dos bancos; e (iv) existe uma relação negativa entre o colchão de capital e o ciclo de negócios que pode representar uma gestão procíclica de capital dos bancos. Por fim, no terceiro capítulo, utiliza-se metodologia proprietária dos escores das instituições conferidos pela autoridade supervisora (CAMEL), para apresentar evidências de que as pressões regulatória e de supervisão no Brasil induzem os bancos a realizarem ajustes de curto prazo relativamente menores na alavancagem e, principalmente, no risco do portfólio.
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Chan, Wing Han. "Management information systems in Macau banking industry." Thesis, University of Macau, 1996. http://umaclib3.umac.mo/record=b1636691.
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Lammers, Markus. "Sourcing decision making in the banking industry." Berlin Pro Business, 2005. http://deposit.ddb.de/cgi-bin/dokserv?id=2675692&prov=M&dok_var=1&dok_ext=htm.
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Taniai, Tatsuya 1966. "IT investment allocation in Japanese banking industry." Thesis, Massachusetts Institute of Technology, 2003. http://hdl.handle.net/1721.1/17004.
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Thesis (S.M.M.O.T.)--Massachusetts Institute of Technology, Sloan School of Management, Management of Technology Program, 2003.Includes bibliographical references (leaves 108-110).
This electronic version was submitted by the student author. The certified thesis is available in the Institute Archives and Special Collections.
In this study, we investigate and discuss IT investment and related issues in the Japanese banking industry. And we insist that banks should take account of technology trend as one of heavy IT users and switch long-term-strategy and IT-migration-strategy appropriately in order to make the best of IT. First of all, we show some back grounds of Japanese banking industry and IT revolution. Next, we show three case studies of a Japanese bank. We will find that, over the last ten years, Japanese banks have been struggling with deregulation, the IT revolution and the long resection of the Japanese economy. These external changes have made corporate strategies and traditional information systems are obsolete and inefficient. After then, we analyze IT investment allocation issues in the banking industry. As summary of our analysis, we show some key success factors and recommendation to a Japanese bank. Finally, Japanese banks should always consider Long-Term Strategy with a long-time viewpoint; during the period of IT migration, they should find a path in which they should follow based on IT Migration Strategy.
by Tatsuya Taniai.
S.M.M.O.T.
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Lou, Xinchen Sofia. "Viability of traditional banking services: evidence from the regional level U.S. banking industry." Oberlin College Honors Theses / OhioLINK, 1996. http://rave.ohiolink.edu/etdc/view?acc_num=oberlin1342198972.
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Westrup, Lydia. "Responsible banking : an oxymoron?" Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/responsible-banking-a-an-oxymoron(c5ac2e95-6393-4446-b41a-7f376d95101e).html.
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Over the past decade banks repeatedly made headlines with severe cases of business misconduct. Several high profile political inquiries sought to ascertain responsibility for the malfeasance but concluded that responsibility could not unequivocally be attributed. Considering that the responsibility principle constitutes a normative element which should guide social interaction, its evasion can lead to social distortions. The purpose of the thesis is threefold. First, it seeks to explore the responsibility practices in banking; second, it considers the mechanisms of responsibility evasion; and third, it discusses the power relations guiding responsible business conduct. Academic research typically considers corporate responsibility from two perspectives. At the meso level responsibility is framed in terms of corporate governance; at the micro level individual and team responsibilities are studied. This thesis offers a different perspective and discusses responsibility in terms of practice, which comprises responsibility constitution and responsibility attribution. In an organisational context responsibility is arranged in terms of role and task responsibilities and corporate culture, while responsibility attributions refer to the interpretations and judgements of social conduct. The analysis draws on the concept of 'agencement' which describes a heterogeneous compendium of different devices that act on and modify each other (Pollock and Williams, 2009). Ontologically, ANT views realities as multiple and fluid and the question of which reality takes precedence is a matter of power relations. For the analysis a methodological tool, the responsibility map, has been developed and applied to three case studies, namely the mis-selling of PPI, trader manipulation of LIBOR and low-balling of LIBOR. Operating under the principles of financialisation, banks have internalised financial benefits while negative outcomes were externalised. Responsibility attribution for the misconduct was systematically evaded. The mechanisms of responsibility diffusion are closely tied to the business strategies: retail banks proceduralised responsibility; it became invested in meeting sales targets. Investment banks operated at the forefront of LIBOR manipulations. Handling the LIBOR rate setting process in an informal manner created responsibility gaps. In both environments the regulatory regimes in place proved ineffective. It is argued that corporate irresponsibility must be considered as a recurrent theme if banking remains organised in terms of financialised business models. The thesis presents a novel approach to the study of organisational responsibility. The methodological tool developed for this research can be adapted to study responsibility in other corporate contexts. Given that the current business models are flawed as they create an environment that condones irresponsible conduct the thesis concludes with suggestions for policy making.
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Fuss, Carolin. "The impact of outsourcing on banking efficiency empirical evidence from the US banking industry." Hamburg Kovač, 2007. http://www.verlagdrkovac.de/978-3-8300-2994-6.htm.
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Peng, Mario. "Post-Acquisition Performance in the US Banking Industry." St. Gallen, 2007. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/03602257002/$FILE/03602257002.pdf.
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Mohra, Majid. "Service delivery process in the retail banking industry." Thesis, University of Nottingham, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.288973.
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Wasserman, Megan B. "The changing competitive environment of the banking industry." Honors in the Major Thesis, University of Central Florida, 1997. http://digital.library.ucf.edu/cdm/ref/collection/ETH/id/20.
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This item is only available in print in the UCF Libraries. If this is your Honors Thesis, you can help us make it available online for use by researchers around the world by following the instructions on the distribution consent form at http://library.ucf.edu/Systems/DigitalInitiatives/DigitalCollections/InternetDistributionConsentAgreementForm.pdf You may also contact the project coordinator, Kerri Bottorff, at kerri.bottorff@ucf.edu for more information.Bachelors
Business Administration
Finance
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Iguchi, Yasushi 1969. "Strategies for innovation in the Japanese banking industry." Thesis, Massachusetts Institute of Technology, 2004. http://hdl.handle.net/1721.1/17872.
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Thesis (S.M.M.O.T.)--Massachusetts Institute of Technology, Sloan School of Management, Management of Technology Program, 2004.Includes bibliographical references (leaf 132).
In this study, I identify and discuss innovation strategies for the Japanese banking industry, with special focus on the R&D process through which banks are seeking to create new e-business opportunities. Traditionally, it was thought to be difficult to undertake well-organized R&D activities in a service industry because the intangible nature of banking services made it difficult to conduct R&D in a typical laboratory setting. Therefore, many service firms did not organize formal R&D activities. Furthermore, Japanese banks faced environmental obstacles to innovation, including government regulations, non-performing loans, and legacy assets that were difficult to abandon, such as the backbone banking system supported by major mainframe architecture. Today, emerging Internet technologies are at last triggering R&D activities among Japanese banks, and they are achieving some success in this field. This thesis identifies empirical R&D methods that have become more commonly used by Japanese banks, as well as the problems encountered in the effort to generate creative and effective ideas, screen them, perform trial-and-error iterations, and manage tests on real-life situations to gain customer input. I identify four factors that can help banks achieve innovation: managing institutional matters, managing legacy assets, acquiring a better understanding of customer needs, and organizing reality tests early to obtain feedback and make appropriate responses. The thesis begins by introducing some formal, empirical R&D methods. Next, I describe the business and technology environment of the Japanese banking industry, and depict the difficult situations that hamper innovation in the industry. Then, I review various organizational issues facing
(cont.) R&D in banking, followed by an analysis of the actual R&D processes taken in actual cases undertaken by the Bank of Tokyo-Mitsubishi.
by Yasushi Iguchi.
S.M.M.O.T.
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Suehiro, Yasutaka 1962. "Strategic challenges of the Japanese investment banking industry." Thesis, Massachusetts Institute of Technology, 2004. http://hdl.handle.net/1721.1/17900.
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Thesis (S.M.)--Massachusetts Institute of Technology, Sloan School of Management, 2004.Includes bibliographical references (leaves 86-89).
Since the collapse of the bubble economy in 1990, Japanese securities houses have suffered serious damage and have not been able to keep up with the progress of the global investment banking industry. During this period, foreign investment banks have grown rapidly, diversified the coverage of business, and expanded to the global market. Japanese investment banks were first developed in the late 1990s, after the "lost decade". They have competed with Japanese and foreign rivals mainly in the domestic market. This thesis explores both the external and internal strategic challenges confronting a Japanese investment bank seeking to survive and become a global player in the industry. First it confirms the findings of a recent stuffy of the Japanese investment banking industry and then explores two key lessons learned from historical experience in U.K. and U.S. financial markets. The current policy of Japanese government is also reviewed. With regard to the analysis of future challenges of Japanese investment banks, this thesis employs the game approach to understanding external challenges while the learning approach is applied to better understand internal challenges.
by Yasutaka Suehiro.
S.M.
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Nettles, Rechelle. "Black women in leadership roles in banking industry." Thesis, University of Phoenix, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=10108364.
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This qualitative phenomenological research study focused on women in senior and upper management positions and represents the personal and professional lived experiences of 10 Black women in leadership roles in banking industry in Northern California who overcame obstacles and barriers to advance in their careers. The researcher conducted face-to-face interviews then compiled the lived experiences of the study participants and identified themes to discover if there were cultural factors that prevented them from advancing in leadership in banking industry. Study findings determined four emergent themes as the perceived experiences of African American women in leadership roles in the banking industry. The themes were (a) bias, (b) unfair practices, (c) gender inequality, and (4) fair and ethical leadership. The study results might provide vital information to banking leaders on the abilities of minority women in leadership positions to encourage the leaders to promote minority women to higher management positions for which they are qualified and to provide abetter understanding of the pitfalls in career advancement Black women in the banking industry face.
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Kronawitter, Karin. "Application outsourcing in the banking industry : ITO model." Thesis, University of Plymouth, 2014. http://hdl.handle.net/10026.1/2989.
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Information Technology Outsourcing (ITO) in terms of the replacement of the in-house production of IT activities by the use of third party suppliers had already started in the 1960s and has increased considerably. For 2013, the Gartner Group expected that the global ITO market would reach a volume of 288 bn US dollars. Until 2017, the market should grow on average about 5.4% yearly. Despite the rich set of experiences companies have already had with ITO, the chances of success are seen as at best 50:50. Currently, the dramatic growth of ITO is accompanied by backsourcing of formerly outsourced IT functions or reports about dissatisfaction and problems with ITO. Scientists put ITO failures or problems down to a lack of modelling of all the possible factors affecting ITO success and demand a specific ITO theory as a basis for better explaining and predicting successes and failures in an IT sourcing context. This thesis takes up this research gap. The aim of this thesis is to develop a novel ITO Model which aids organisations in planning and implementing ITO solutions by guiding them through the ITO process steps of preparation, selection, contract, transition, execution, and post-deal comprising a comprehensive picture of the weighted aspects relevant to ITO success and their interdependencies. In order to achieve this aim, the following objectives were established for this thesis: raising the topical level of scientific knowledge of the last decades about successinfluencing factors in the ITO field based on an extensive literature survey of 48 scientific articles deriving ITO success factors from empirical research work; structuring of this success factor knowledge by the development of two ITO taxonomies (taxonomy of success factors and taxonomy of success factor interdependencies); testing its practical applicability on the basis of 8 real long-running application outsourcing cases in the banking industry; further development of the success factor knowledge by identification of weightings and the temporal relevance of relevant success factors / success factor interdependencies within the ITO process. Design of the novel ITO Model based on the empirical knowledge gained by development of rules for relevant success factors and success factor interdependencies, by arrangement of these rules in temporal order within the ITO process and by assignment of these rules to four levels of environment.
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Kohlbeck, Mark Joseph. "Evidence of franchise value in the banking industry /." Digital version accessible at:, 1999. http://wwwlib.umi.com/cr/utexas/main.
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Le, Thi Phuong Mai. "CEO Compensation and Risk-Taking in Banking Industry." Thesis, Université de Lorraine, 2015. http://www.theses.fr/2015LORR0215/document.
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La crise financière de 2008 a été largement imputée à une prise de risque excessive par lesbanques US et du monde entier, qui ont été mises en grande difficulté. Une des questionsprincipales que se posent les scientifiques et les régulateurs concerne le rôle joué par lesmodes de rémunération des dirigeants des banques dans l'incitation à la prise de risque. Le butde cette recherche est d'étudier si les modes de rémunération des dirigeants des banquesinduisent la prise de risque et contribuent à la crise financière. Nous nous proposonsd'analyser séparément les effets de chaque composante de la rémunération des PDG (lesalaire, la prime, les autres rémunérations annuelles, le pourcentage du salaire, le pourcentagede la prime, le pourcentage des autres rémunérations annuelles, et les rémunérations qui sontfondées sur une participation au capital de la banque) sur la prise de risque dans le secteurbancaire. Nous tenterons aussi de déceler plus spécifiquement une éventuelle responsabilitéde ces modes de rémunération dans le déclenchement de la crise financière et lesmanifestations du risque bancaire dans les deux premières années de crise. Pour les risquesbancaires, nous utilisons de nombreuses mesures différentes : le risque total, le risquesystématique, le risque idiosyncratique, le ratio de la provision pour pertes sur prêts enpourcentage des crédits, le ratio des prêts non performants en pourcentage des crédits, lerisque de défaut mesuré par la distance par rapport au défaut (Z-score), le changement de laCDS, le changement de la notation des banques et la chute de la valeur des actions. Enutilisant un échantillon de 63 grandes banques d'Europe, du Canada et des États-Uniscouvrant une période de 5 ans de 2004 à 2008, nous trouvons que le salaire et la prime desPDG diminuent l‘essentiel des risques bancaires, alors que les autres rémunérations annuellesdes PDG les augmentent. Ces modes de rémunération des PDG n‘ont pourtant aucun lien avecles changements du risque bancaire dans la crise. En ce qui concerne les rémunérationsfondées sur une participation au capital de la banque, nous trouvons que l'utilisation desactions gratuites en rémunération pendant la période pré-crise n'a pas d'effet sur leschangements anormaux du risque bancaire dans la période de crise. Au contraire, l'utilisationdes options d'achat d'actions pendant la même période est une des raisons des manifestationsdu risque bancaire dans la récente crise financièreThe 2008 financial crisis was largely caused by excessive risk-taking of banks fromthe U.S. and also from all over the world, which have been in big trouble since then. One ofthe major questions raised by scientists and regulators is the role of executive remunerationmethods in encouraging bank risk-taking. We conduct this research to investigate whether thebanks' executive compensation payment mechanisms induced risk-taking and contributed tothe financial crisis. We analyze separately the impact of each component of CEOcompensation, which include CEO salary, CEO bonus, CEO other annual compensation,percentage of CEO salary, percentage of CEO bonus, percentage of other annualcompensation and equity-based compensation, on risk-taking in the banking sector. We alsotry to identify more specifically the possible responsibility of each remuneration method intriggering the financial crisis and the manifestations of bank risk in the first two years ofcrisis. Different measures of bank risk include total risk, systematic risk, idiosyncratic risk,loan loss provision to total loan ratio, non-performing loan to total loan ratio, distance-todefaultmeasured by Z-score, sharp drop in bank stock price, the change in bank ratings andthe change in CDS during the crisis period. Using a sample of 63 large banks in Europe,Canada and United States from 2004 to 2008 we find that both CEO salary and CEO bonusdecrease with most types of bank risk, CEO other annual compensation increases with bankrisk. These components of CEO compensation are illustrated to have no relationship to thechange of bank risk during the crisis. Regarding the CEO equity-based compensation, we findthat usage of restricted stock to compensate CEO during the pre-crisis period has no effect onany abnormal changes in bank risks during the crisis period, whereas usage of stock option tocompensate CEO in the same period augments the manifestations of bank risk in the crisis
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Staikouras, Christos. "European banking industry : sources of income and profitability." Thesis, City, University of London, 2000. http://openaccess.city.ac.uk/20853/.
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THE EU banking systems are facing major changes in the form of increased competition, concentration and restructuring. These changes are triggered by a number of factors including technological change, financial liberalisation and internationalisation. The circulation of the single currency is expected to reinforce these trends. Although the banking industry is in a state of flux, it is possible to discern some overall patterns in the actions and strategies of individual banks. The effects of these responses are mainly reflected in changes in the structure of bank income and, in particular, in the increasing incidence of non-interest income. The analysis of the shift towards noninterest income provides key information for evaluating the extent to which this process could affect banks’ profitability. Profits have become the driving force in market economies. Many banks are keenly interested in earning maximum profits to provide the highest possible return to their shareholders and secure additional funds to support long-term growth. As the EU banking industry continuously evolves, changes in industry composition and the macroeconomic environment have a direct impact on the aggregate performance of the industry. If banks’ profitability becomes more volatile, banking is more risky unless the level of profitability raises substantially. So, there is a clear connection between profitability volatility and banking stability; a high level of profitability volatility is a source of instability in the banking system, augmenting the possibility of bank failures. A move to more interest rate sensitive assets like securities and to off-balance sheet instruments, along with more prone to default assets, like consumption credit, may increase the profitability’s volatility and so the stability and soundness of the banking system. The changes in the banks’ income structure and the determinants of profitability deriving from developments in the banking business will have clear implications on the activity of banking supervision.
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Salazar, Fernando Morais Farré. "Assessing competition in banking industry: a multiproduct approach." reponame:Repositório Institucional do FGV, 2013. http://hdl.handle.net/10438/11075.
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This paper aims to investigate the competition aspects of banking multiproduct operation. Based on an extension of Panzar and Rosse (1987)’s test to the case of a multiproduct banking firm, we take advantage of a new dataset constructed to Brazilian banking conglomerates to infer the impact of conglomeration on market power. We find that banks offering classic (i.e., loans and credit cards) and other bank products (i.e., brokerage services, insurance and capitalization bonds) have substantially higher market power than the ones which offer only classic products. Results suggest a positive bias on the traditional estimates of competition in which the multioutput actions are not taken into account.
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El, Chihimi Karine Athayde. "Fintech & the banking industry: disruption or evolution?" reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/23915.
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This master dissertation aimed to understand the rise of the fintechs in the banking industry under an academic basis with a special focus on the Spanish market. The intention was to discuss if fintechs play a disruptive force or if they are driving the industry evolution. Even though the linkage of fintechs and the banking industry has a long history, dating back to 1886, they emerged strongly since the financial crisis of 2008. After this turning point, many start-ups pop up, launching value propositions that combined technology and innovation (Arner, Barberis & Buckley, 2015). In this sense, to address the problem in hand, five theories were applied to assist in the understanding of the current situation of the banking sector. The objective was to find an academic explanation for the phenomenon of fintechs and their impact on the industry. Each one of these theories generated a proposition assessed by an exploratory qualitative research carried out for the purpose of this master dissertation. Therefore, primary and secondary data were collected. The primary data was gathered blending distinct research methods such as personal interview, semi-structured interviews and online survey and questionnaire. Hence, a triangulation process was adopted in order to obtain multiple insights from the stakeholders involved: customers, fintechs and banking professionals. According to the definition of disruption provided by the theory of disruptive innovation (Christensen) and the concept of evolution provided by the literature of industry evolution (Klepper), the findings suggest that fintechs are not disruptors. They seem to be driving the evolution of the banking industry, institutionalizing new manners of doing business, due to their combination of two powerful forces capable of altering the dynamics of an industry and regenerate their lifecycles: innovation and technology.
Esta dissertação de mestrado tinha como proposito entender a emergência das fintechs no setor bancário, principalmente no mercado espanhol, com base em fundamentos acadêmicos. A intenção era discutir se as fintechs promovem a disrupção ou a evolução da indústria. Embora a ligação entre as fintechs e o setor bancário tenha uma longa história, desde 1886, as fintechs emergiram fortemente desde a crise financeira de 2008. Essa data marca um momento de virada em que muitas start-ups surgiram, introduzindo propostas de valor que combinam tecnologia e inovação (Arner, Barberis & Buckley, 2015). Nesse sentido, para abordar o problema em questão, cinco teorias foram aplicadas para auxiliar na compreensão da situação atual do setor bancário. O objetivo foi encontrar uma explicação acadêmica para o fenômeno ´fintech´ e seu impacto na indústria. Cada uma dessas teorias gerou uma proposição avaliada por uma pesquisa qualitativa exploratória realizada para fins desta dissertação. Dados primários e secundários foram utilizados. Os dados primários foram coletados combinando distintos métodos de pesquisa, tais como entrevistas pessoais, entrevistas semi-estruturadas e pesquisa on-line e questionário. Assim, foi adotado um processo de triangulação para obter múltiplas percepções dos stakeholders envolvidos: clientes, fintechs e profissionais bancários. Conforme definição de disrupção fornecida pela teoria de inovação disruptiva (Christensen) e o conceito de evolução fornecido pela literatura de evolução da indústria (Klepper), os resultados sugerem que as fintechs não são disruptoras. Elas parecem estar conduzindo a evolução do setor bancário, institucionalizando novas maneiras de fazer negócios, devido à combinação de duas poderosas forças capazes de alterar a dinâmica de uma indústria e regenerar seus ciclos de vida: inovação e tecnologia.
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Bassey, David Nkata. "Corporate Governance Implementation in the Nigerian Banking Industry." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5676.
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The increasing level of fraud, the collapse of banks, and the loss of confidence in the Nigerian banking industry have been attributed to poor corporate governance. The problem of this study was effective implementation of corporate governance in Nigeria where multiple regulations are in place. The purpose of this qualitative single case study was to understand how corporate governance is implemented in the Nigerian banking industry in the face of a multiplicity of regulations. The research question investigated how Nigerian bank managers implement corporate governance regulations in the face of a multiplicity of regulations. The conceptual framework was grounded in stewardship theory. Data collection included document analysis and face-to-face semistructured interviews to gain an understanding of how to implement corporate governance based on the perception of 15 purposefully selected senior managers and directors of the host bank. Data were analyzed using Yin's 5-Stage data analysis approach. Findings revealed that the involvement of senior bank managers and the adoption of global best practices, training, education, and awareness creation are the prerequisites for effective implementation of corporate governance. Findings may be used to reduce corporate failure, improve compliance, and restore confidence in the banking industry through enhancing the understanding of practitioners, investors, and policymakers on how to implement corporate governance in a highly regulated banking environment and contribute to positive social change.
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Akande, Oyebola Bejide. "Corporate Governance Issues in the Nigerian Banking Industry." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2467.
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Corporate governance issues resulting from bad governance, fraudulent activities, insider abuse, and corruption have attracted the attention of shareholders and regulators in the banking industry. The financial crisis that erupted from the United States affected the financial institutions of both developed and developing countries, among which Nigerian banks belong. The Central Bank of Nigeria removed 8 managing directors and executive directors due to bad governance, nonperforming loans of 61%, and toxic assets of $13.3 billion; the Central Bank injected 620 billion naira into the banks. The purpose of this multiple case study was to develop an understanding of corporate governance strategies needed to ensure regulatory compliance and enhance financial performance from the perspective of senior management of the regulatory authority and corporate financial leaders. Agency theory served as the conceptual framework for the study. The population for this study was10 senior regulatory leaders and corporate financial leaders in Nigeria. The data sources were semistructured interviews, research notes, codes of corporate governance, and financial reports of banks. Member checking was used to improve the credibility and trustworthiness of the data. After compiling, disassembling, reassembling, and coding the data, 5 themes including the need for: improvement on compliance to corporate governance regulations; effective board governance; training education and awareness on best practices, strategic risk management and internal control; and strategic and effective leadership. Potential implications for social change may include knowledge for investors and the public, who have increasingly relied on financial services in Nigeria to support personal and business goals to identify banks with best practices.
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RADIC, NEMANJA. "Efficiency and competition in the investment banking industry." Doctoral thesis, Università degli Studi di Roma "Tor Vergata", 2010. http://hdl.handle.net/2108/1301.
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Questa tesi tratta sostanzialmente tre temi principali, inerenti l’efficienza e la competizione nell’ambito dell’investment bank, ognuno dei quali costituisce un capitolo della stessa. Il primo dei temi (Cap.2) ripercorre e recensisce la letteratura sull’argomento investment banking e fornisce una indicazione sulle tendenze più recenti nell’industria. Il secondo tema (Cap.3) analizza costo e guadagno di efficienza relativamente al caso di un investment banks per i paesi del G7 (Canada, Francia, Germania, Italia, Giappone, Gran Bretagna e Stati uniti d’America) e la Svizzera prima della recente crisi finanziaria.
Si è adottata la metodologia proposta da Coelli et al. (1999) per adattare (o aggiustare) il costo stimato e gli scores del guadagno di efficienza alle influenze dei fattori ambientali inclusi i “key banks’ risks”, i fattori specifici del sistema bancario e di quello industriale e le condizioni macroeconomiche.
I risultati a nostra disposizione ci suggeriscono che non tenere in considerazione i fattori ambientali può far spostare notevolmente gli scores registrati per i guadagni di efficienza dell’investment bannks. In particolare, il considerare i fattori di rischio bancario, (incluse liquidità ed esposizione al rischio) è stato molto importante per poter fissare accuratamente il guadagno di efficienza: vale a dire che i valori calcolati per il guadagno di efficienza sarebbero stati notevolmente sottostimati se non si fosse tenuto conto del rischio preso dalla banca. I dati ottenuti ci suggeriscono anche un altro fatto molto interessante, che la scala (o grandezza) influisce su entrambe i fattori; il costo e il guadano di profitto, sebbene ciò non implichi che mercati più concentrati siano per questo più efficienti.
Per ultimo (Cap.4) si è cercato di investigare la relazione esistente tra potere di mercato ed efficienza e di esplorare le caratteristiche di condizioni competitive nell’investment banking mondiale.
Al fine di condurre le analisi delle condizioni di competitività dei diversi paesi e del livello di efficienza regionale, abbiamo utilizzato inizialmente l’approccio delle frontiere stocastiche per creare il modello del costo efficienza e in un secondo momento abbiamo investigato l’indice di Lerner sul potere del monopolio per testare il grado di potere di mercato nell’industria dell’investment banking.
Per comprendere più a fondo gli schemi di competizione in tale industria abbiamo utilizzato i modelli proposti da Panzer e Rosse per il calcolo del grado di competizione nell’investment banking mondiale. Da ultimo, per investigare la relazione esistente tra potere di mercato ed efficienza abbiamo applicato un test di casualità. I dati utilizzati sono stati quelli provenienti dal bilancio, dalle dichiarazioni di reddito e dai report annuali per i 15 paesi presi in esame nel periodo 2001-2008. Le analisi effettuate evidenziano il fatto che i mercati mondiali dell’investment banking hanno iniziato ad essere progressivamente più concentrati e con un costo efficienza minore. Comunque questo non è stato il caso di tutti i paesi. Inoltre, L’investment bank sembra aver ridotto i loro costi marginali più velocemente della caduta dei prezzi e questo ha condotto ad un aumento nell’indice di Lerner che suggerisce quindi un più elevato potere di mercato. I risultati provenienti dalle statistiche di H, ci portano a conclusioni analoghe, indicando l’esistenza di oligopoli in conflitto nel mercato. Le evidenze di una relazione tra potere di mercato ed efficienza non è immediata, e altri fattori (tra cui gli incentivi al rischio, il contesto e la struttura delle regole etc) potrebbero influenzare sia la grandezza che la direzione di tale relazione e quindi potrebbero essere presi in considerazione per gli sviluppi futuri della ricerca su questa tematica.This thesis consists of three substantive essays on investment bank efficiency and competition, each constituting a separate chapter. The first essay (Chapter 2) reviews the literature on investment banking and provides indication on the recent trends in the industry. The second essay (Chapter 3) analyses cost and profit efficiency for a sample of investment banks for the G7 countries (Canada, France, Germany, Italy, Japan, UK and US) and Switzerland prior to the recent financial crisis. We follow Coelli et al. (1999)’s methodology to adjust the estimated cost and profit efficiency scores for environmental influences including key banks’ risks, bank and industry specific factors and macroeconomic conditions. Our evidence suggests that failing to account for environmental factors can considerably bias the efficiency scores for investment banks. Specifically, bank-risk taking factors (including liquidity and capital risk exposures) are found particularly important to accurately assess profit efficiency: i.e. profit efficiency estimates are consistently underestimated without accounting for bank risk-taking. Interestingly, our evidence suggests that size matters for both cost and profit efficiency, however this does not imply that more concentrated markets are more efficient. The final essay (Chapter 4) investigates the relationship between market power and efficiency, and explores characteristics of competitive conditions in worldwide investment banking. In order to conduct analysis of the countries competitive conditions and regional efficiency level, first we use stochastic frontier approach to model cost efficiency, and second we investigates Lerner index of monopoly power to test the degree of the market power in the investment banking industry. To further comprehend competition pattern in the industry we use Panzar and Rosse model to assess the degree of competition in worldwide investment banking. Lastly, to investigate the relationship between market power and efficiency, we apply a causality test. Data used was obtained from balance sheet, income statement and annual reports data for the 15 countries over 2001-2008 periods. The analysis highlights the fact that the investment banking markets worldwide are becoming progressively more concentrated and less cost efficient. However this is not the case for all the countries. Further, investment banks seem to have reduced their marginal costs faster than price falls and this led to an increase in the Lerner index thus suggesting greater market power. Results from H: Statistics lead to similar conclusions, hence indicating existence of colluding oligopoly in the market. The findings on the relationship between market power and efficiency is not straightforward and that other factors (such as among others, risk incentives, regulatory framework and contestability) may influence both the magnitude and the direction of the relationship and therefore should be accounted for in future research in this area.
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Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.
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Tran, Anh Viet. "Tackling Cross-Shareholding Issue in Vietnam's Banking Industry in the Context of Banking Restructuring Project." Thesis, Griffith University, 2018. http://hdl.handle.net/10072/386032.
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For the past ten years, the world has been in the midst of a financial meltdown, one of the worsts in history. Vietnam is no exception and since 2010 has been facing a slew of economic problems. The property market crash, illiquid securities market, and the non-performing loan crisis illustrated the downturn in the financial industry. The cross-shareholding among banks and firms are among critical problems of Vietnam’s banking system. Thanks to sophisticated cross-shareholding networks developed since 2000s, bank owners could conceal their actual shareholding or controlling power in banks, avoid prudential regulations, and direct credits to their private or family companies that caused severe loss in banks’ capital and led to many bank failures recently. The Vietnamese government has been conducting projects of banking restructure and legal reform to supervise cross-shareholding violations in the banking industry, restrict its development, and unwind the existing sophisticated cross-shareholding networks more effectively. However, the results are still limited, and the government is planning new projects to continue the comprehensive reform of the banking and financial system. Policy-makers thus are in tremendous need of recommendations for the upcoming reform plans of Vietnam’s banking regulatory framework with focus on the regulation and supervision of cross-shareholding among banks and corporations.
This thesis aims at contributing to an analysis of cross-shareholding in the Vietnamese banking industry from both theoretical and practical perspectives. This analysis draws on agency theory to explain the motives of controlling shareholders in establishing cross-shareholding networks among banks and corporations, and discusses the negative practice of cross-shareholding in Vietnam’s banking industry. Through the practices of cross-shareholding, the controlling shareholders of commercial banks in Vietnam have sidestepped prudential regulations including capital requirements, lending limits and other restrictions, and channelled banks’ funds for their private interest. The non-performing loan crisis, collapses of banks, prosecution of bank-owners and government officials demonstrate the consequences of cross-shareholding practices. The thesis further provides the historical background and institutional reasons for the development of cross-shareholding in Vietnam, and the respective development of regulations and policies against cross-shareholding. The thesis examines the legal issues of cross-shareholding, the shortcomings of legal framework regarding cross-shareholding, and the high-profile cases of banking scandals and collapses relating to cross-shareholding in the banking industry that have been investigated and prosecuted in Vietnam recently. Based on the analysis of the relevant regulations and cases, the research specifies the causes leading to the Vietnamese government’s failure to restrict, supervise, and unwind cross-shareholding in banks and corporations.
To inform my recommendations for the reform of the Vietnamese legal framework pertaining to the restriction, supervision, and unravelling of cross-shareholding, I conduct a comparative study between Vietnam’s jurisdiction with other jurisdictions, specifically Japan and Australia. Vietnam might learn from Japan’s experience in handling and unwinding cross-shareholding due to the similar context of cross-shareholding development and problems. Australia has been acclaimed for its prudential regulations and financial supervision demonstrated by the stability of the banking system and its resilience through the Global Financial Crisis. Accordingly, Vietnamese law-maker should study Australia’s model and consider applying the positive and innovative features of the regulations against cross-shareholding and financial supervision regime in Vietnam.
Through the legal analysis of cross-shareholding issues and comparative studies of various countries’ laws and policies, the thesis presents proposals for a comprehensive reform of the regulatory framework against cross-shareholding including (i) improving the mechanisms for unwinding of sophisticated cross-shareholding networks through share-disposal or merger and acquisition, (ii) enhancing prudential regulations and shareholding regulations by revising outdated and inadequate regulations and updating the relevant laws towards Basel III, (iii) reforming the financial supervision mechanism by studying from the successful model (of Australia), (iv) developing a stronger and more practical sanction regime for violations of cross-shareholding restriction and prudential regulation. The goals of the comprehensive reform will be achieved by combining the structural reform of the supervisory mechanism in Vietnam’s banking industry, the improvement of sanction regime for violation of banking regulations, and the revision and supplementation to the current laws related to cross-shareholding and prudential standards.Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Law School
Arts, Education and Law
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Aimar, Maude Eugenie, and Anna Milicevic. "Strategic Renewal in the Banking Industry : A middle managerial perspective with the focus on dynamic managerial capabilities in the Swedish Banking industry." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-40154.
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"Reengineering of the banking industry." 1998. http://library.cuhk.edu.hk/record=b5889412.
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by Chak Siu Choi.Thesis (M.B.A.)--Chinese University of Hong Kong, 1998.
Includes bibliographical references.
ABSTRACT
TABLE OF CONTENTS
Chapter I. --- INTRODUCTION --- p.1
Hong Kong as a Financial Hub --- p.1
Reengineering Defined --- p.2
Bank Reengineering at a First Glance --- p.3
Objectives --- p.4
Methodology --- p.4
Secondary Data --- p.4
Questionnaires --- p.5
Chapter II. --- THE DEVELOPMENT OF REENGINEERING IN THE BANKING INDUSTRY --- p.6
The Rule of Regulated Oligopolies (1960-1981) --- p.6
The Rise of Disintermediation and Excess Credit Risk (1981-1991) --- p.8
The Reengineering Imperative (1990s) --- p.10
Chapter III. --- THE TIMING CONCERN OF THE REENGINEERING BANK --- p.12
Languishing Stock Price --- p.13
Strategic Directions Conflict with Market Valuation --- p.13
Sub-Par Efficiency Ratios --- p.13
Perceived Process Redundancy --- p.14
Senior Management's Will and Skill --- p.14
Chapter IV. --- THE STRATEGIES OF THE REENGINEERING BANK --- p.15
Preparing for Change --- p.17
Understanding Current Costs --- p.17
Understanding Current Pricing --- p.17
Generating Reengineering Options --- p.18
Refining Options --- p.18
Creating the New Bank --- p.18
Chapter V. --- BANK REENGINEERING OVERSEAS --- p.20
"NationsBank, Charlotte" --- p.20
"Norwest Corp., Minneapolis" --- p.21
"First Commerce Corp., New Orleans" --- p.21
"Premier Bank, Louisiana" --- p.21
"Merchants Bank, Vermont" --- p.22
"Texas Commerce Bank, Texas" --- p.22
Chapter VI. --- BANK REENGINEERING IN HONG KONG --- p.24
Shifting Demographics --- p.24
Increasing Customer Sophistication --- p.24
Intensifying Competition --- p.25
Growing Use of Technology --- p.25
Standard Chartered Bank --- p.26
Dah Sing Bank --- p.27
Citibank --- p.28
Bank of East Asia --- p.28
Chapter VII. --- THE DIFFICULTIES AND PROBLEMS FACED BY THE REENGINEERING BANK --- p.33
Chapter VIII. --- IMPLICATIONS TO THE BANKING INDUSTRY --- p.36
APPENDICES
BIBLIOGRAPHY
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Lin, Chin-Yuan, and 林金源. "Risk-return in the banking industry using quantile regression: Evidence from cross-straits banking industry." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/56202602730054609301.
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博士國立中山大學
財務管理學系研究所
101
The enigma of risk-return relationships has long posed problems in the field of banking research. This study employed data related to cross-strait banking to investigate the risk-return relationship between 2005 and 2011.Traditional OLS optimization techniques capture only central behaviors, and misidentify the relationship between bank risk and profitability, including the amount, significance, and even sign; therefore, this study departs from conventional research in the modeling of parameters related to risk-return regression and proposes a novel, conditional quantile regression method (hereafter QR), to survey the dynamics of the relationship between risk and return among banks in Taiwan, Hong Kong, and China. This study employed ROE as a proxy variable for bank returns, using loan/total assets (LO) as a proxy variable for bank risk. Risk-return relationships for banks were analyzed using OLS regression and QR. The study period covered the period of the subprime lending crisis; therefore, data was categorized into two groups: a pre-subprime crisis group and a post-subprime crisis group. Data was also classified into three groups according to LO level: low LO group, middle LO group and high LO group. This enabled the effects of the subprime crisis and the impact of risk exposure to be clearly differentiated. Analysis of OLS regression demonstrated that risk and return among banks in Taiwan were negatively related over the entire study period, the pre-subprime crisis group, the low and the middle LO group. This means that increasing the risk assumed by banks would result in reduced profits for these banks. In addition, our empirical findings demonstrate that the risk-return relationship varied across the quantiles of bank profitability in the three LO ranges, both before and after the subprime crisis. Furthermore, variations in profitability were often the result of the business strategies employed. This indicates that grouping banks with different business strategies to facilitate analysis disregards the impact of business strategy on returns and may be one of the reasons for previous inconsistencies in empirical results. While OLS regression results showed a positive risk-return relationship associated with banks in China and Hong Kong, QR results indicate a positive risk-return relationship in all quantile groups, with the exception of banks of Hong Kong in the upper-quantile of the middle LO group and in the lower-quantile of the high LO group. These results support the theory of a positive risk-return relationship; however, it deviates from the negative risk-return relationship observed in Taiwanese banks. In a comparison of loan quality between banks in Taiwan and those in Hong Kong, based on BDTI-LO relationships we discovered that the negative risk-return relationship in Taiwan could be attributed to poor loan quality. Thus, despite efforts of the banking industry in Taiwan to increase the loan ratio for higher ROE, the widespread issue of poor loan quality remains. If loan quality cannot be improved, the blind pursuit of loan expansion will leave the banking industry in Taiwan susceptible to higher operating risk without improving ROE.
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Chuo, Yu-Ting, and 卓郁婷. "Industry Performance and the Competition in Taiwan Banking Industry." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/17370960626552976172.
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yueh, Fang ching, and 方靜月. "A Frame: Market Orientation, Banking Innovation, and Performance in Banking Industry." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/51527380003612529017.
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博士國立臺北大學
企業管理學系
91
A systematic framework is presented to test the chain among three factors- “market orientation-banking innovation-performance”. The new examination is based on how the three activities of market orientation (intelligence generation, intelligence dissemination, responsiveness) affect the two core components organizational innovation (operating innovation and administrative innovation), plus the interactive response from the environmental moderator (market turbulence, tech turbulence, competitive hostility, market growth) on business performance. The author strictly tested the interaction among major variables by using banking industry data. By adding a LISREL analysis, this examination tested three times for different variables. The overall model fit of the third test was most reasonable than the first and second tests. The findings support the following proposition: 1. Banking innovation in the intervening role in the market orientation-corporate performance relationship. 2. Environmental variables maybe moderate the nature of the relationship between market orientation and innovation in this case. 3. The effect of domestic bank is more significant in the chain than foreign bank.
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Lin, Yu-Shin, and 林又欣. "The Global Competitiveness of Banking Industry toward e-banking in Taiwan." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/40820829612415480127.
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碩士義守大學
資訊工程學系
90
The main focus of this century is electronic commerce (EC) and World Trade Organization(WTO). In this new environment, the goal of many businesses is to provide the best products or services to the customers using information technology (IT) and to be successful in the global market. With the rapid development in the information technology ,the banking industry has emerged into a global financial market. This trend pushes most of banks to change their business model from serving “business customers” to “individual customers”. At the same time, the challenger of banking industry is to provide “integrated, one-stop, customerized, banking services” using IT. This will allow customers to fulfill their banking needs whenever and wherever they are in the world. The trend of banking industry in the world can be summarized as: 1)direct banking vs. indirect banking; 2)integrated, one-stop, and customized banking service; 3)banking industry will compete freely and fairly in this global market under the regulations of WTO; 4)new regulations or deregulations for the banking industry; 5)merger or acquition within or outside the banking industry; and 6)e-banking or network-banking is the trend. With this new development in the banking industry, the main focus of this thesis is to develop a rating method to be used in the evaluation of global competiveness of banking industry in Taiwan. This rating method consists of two major factors: the financial data and the readiness of e-banking. In the financial data, it can be further broken down into five items : 1)the trend of financial structure and the capability for paying debt; 2)the trend of the management performance; 3)the trend of the profitability; 4)the size of the bank; and 5)the growth capability of the bank. In the readiness of e-banking, it includes the following five areas: 1)useful information ; 2)commercial information; 3)service functions; 4)core business functions; and 5)two-way communications. This rating method is used to evaluate twenty banks in Taiwan. The ranking according to the factor of the financial data is: the Chinatrust commercial bank, the Funbon Bank, the Taishin Bank, the international bank of China, and the Bank SinoPac. The ranking according to the factor of the readiness of e-banking is the First commercial bank, the Land bank of Taiwan, the Hun Nan Bank, the international commercial bank of China, and the United World Chinese Commercial bank . The overall ranking is: the Taishin Bnak, the international commercial bank of China, the Chinatrust commercial bank, the Funbon Bank and the Hua Nan Bank. Finally, the critical success factors (CSFs) of banking industry is also derived in this thesis. These CSFs are : 1)the clear vision and strategy; 2)the size of asset should be large enough; 3)the improvement of the quality of loan; 4)wide-range of revenue sources; 5)bank should have global perspective and can complete in the global market; 6)a complete electronic commerce strategy; 7)the ability of innovation; 8)high risk tolerance; 9)an efficient communication network; 10)a secure and reliable transaction system; 11)provide total solution to customer financial needs; .and 12)professional manager and operating team.
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Dhunna, Mukesh. "Perception of computers in banking industry." Thesis, 1990. http://hdl.handle.net/2009/6380.
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"CRM for banking industry in China." 2003. http://library.cuhk.edu.hk/record=b5891391.
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by Chan King-Yan, Chu Kin-Yan Jeannie, Hsu Mei-Ying.Thesis (M.B.A.)--Chinese University of Hong Kong, 2003.
Includes bibliographical references (leaf 64).
ABSTRACT --- p.ii
TABLE OF CONTENTS --- p.iv
LIST OF TABLES --- p.vi
Chapter
Chapter I. --- Project Overview --- p.1
Chapter II. --- Methodologies Applied --- p.3
Step 1 Exploratory Research --- p.3
Step 2 Interviews --- p.3
Chapter III. --- The importance of CRM in China banking industry --- p.5
Economic Globalization and China's Accession into WTO --- p.5
The Influence of Information Technology (IT) --- p.5
Changes in the Dynamics of Supply and Demand in the Financial Market --- p.5
Rapid Response to Market Demands and High Level of Customization --- p.6
Chapter IV. --- Current situation of CRM --- p.7
The Reasons for the Failure of CRM --- p.7
Treat Technology as the Primary Driver of Customer Strategy --- p.7
Lack of Executive Support --- p.7
Data Is Ignored --- p.8
Information system (IS) organization and business users cannot work together --- p.8
No Attention Is Paid to Skill Sets --- p.9
CRM in China --- p.9
CRM Industry Is in Chaos --- p.9
Resistance of CRM Implementation --- p.10
Willingness to Invest in CRM Training --- p.10
Chapter V. --- Business environment of China --- p.11
Politics --- p.12
Economics --- p.15
Demographic --- p.16
Technology --- p.20
Chapter VI. --- CRM implementation in Guangdong Development Bank in China --- p.22
Introduction of Guangdong Development Bank --- p.22
Strengths and Weaknesses --- p.22
Feasibility and Benefits of Executing CRM --- p.26
The Effect of External and Internal Factors on Strategy Formulation --- p.30
Strategy Translation and Implementation --- p.34
Stage 1 - Develop Prerequisite Arenas before Implementing CRM --- p.34
Stage 2: Establish CRM system --- p.41
Stage 3: Performance Indicators --- p.43
Chapter VII --- RECOMMENDATIONS --- p.45
Actions to Guarantee Long-term Success --- p.45
APPENDIX --- p.49
BIBLIOGRAPHY --- p.64
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Lee, Chia-Fen, and 李佳芬. "The problem of China’s Banking industry." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/01136899954094528922.
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碩士國立中山大學
中山學術研究所
91
The China government has worked on economic reformation and opening policy since the end of 1978 in order to follow the trend of international economic development. Economic decides finance, financial reformation, such as setting up central bank system, improving the function of commercial banks, developing financial market, is one of the most important chain in economic reformations. Basically, the main part of this research is review of the reform process of the banking system in China. Because the Chinese economy is in a rapid transition and its banking system has been constantly changing since the late 1970s. The financial system of Mainland China has been improved a lot for more than twenty years. There are still many problems in structure and operation during the procedure of financial development. A lot of bad loans for national banks, unhealthy financial management, immature capital market and the impact as the entry into the WTO, are going to be the tests of banking system of Mainland China. Beside, we use the theory of banking crisis discussing the problem of China’s banking industry. And research an outline of the present situation of banking system in China. Our major discussing are as follows： Chapter one of this research is introduction of this research. Chapter two reviews how the current banking system has emerged from the all-inclusive monobank system in the past. Chapter three we review the theory of banking crisis. Chapter four provides an outline of the present situation of banking system in China. In Chapter five we discuss the problems happened and the possible impact to the banking system in China by the entrance of WTO. Chapter six provide a summary of this research.
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Klimková, Lucia. "Corporate social responsibility in banking industry." Master's thesis, 2017. http://www.nusl.cz/ntk/nusl-431531.
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The topic of diploma thesis refers to a modern concept of corporate social responsibility in a specific industry, which is banking. Undertaken activities within this industry affect the wellbeing of all related stakeholders, and thus, the thesis analyses the current situation related to corporate social responsibility in banking companies from two European countries. It was found out that corporate social responsibility in these companies is on high level and it can be characterized by high engagement, active approach and up to date trends. Furthermore, the thesis deals with corporate social responsibility reporting in the studied companies. Progress in reporting quality and content was observed throughout the reporting years. Based on the analysis of corporate social responsibility reports, the thesis developed reporting model for companies active in the banking field. Thesis finishes with general recommendations regarding corporate social responsibility in the banking industry and concrete recommendations proposed for selected company.
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Huang, Si-Min, and 黃思旻. "Performance Evaluation of Taiwan Banking Industry." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/19290903621991852141.
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碩士嶺東科技大學
財務金融系碩士班
104
The performance evaluation method was widely used to estimate the productivity and efficiency of bank since it was proposed. Most studies used Data Envelopment Analysis (DEA) or Stochastic Frontier Analysis to achieve the estimation.Thisstudy applied the Stochastic Statistical Frontier Approach model, conbime with Cobb-Douglas production model and Translog model to estimate the 25 banks in Taiwan during 2005 to 2012. The empirical analysis result shows that the technical efficiency of Taiwan banks is 0.870, which means that there is 13% inefficiency to improve. The technical efficiency seems to rise during the period, but it fall during the 2008 Financial Crise. After the crise, the efficiency rise up to 0.966 in 2012.
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Buyansukh, Buyanjargal, and 柏揚. "The Crisis of Mongolian Banking Industry." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/gzumsj.
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碩士國立臺北科技大學
經營管理系碩士班
105
This study is to find out how the economic downturn affects the Mongolian banking industry through international use, and whether the use of pre-signal indicators gives signals (banking crises). This research uses two ways to determine the banking crisis in international experience: Event based method, Index based method. Based on the results of these two to find out the crisis period of the Mongolian banking industry, and whether the overall signal in the crisis period is a prediction signal. The results of the survey of the Mongolian economy in 1999-2001 and 2009-2010 total of 2 times the banking sector identified that occurred crisis. In addition, according to the study proposed from 2015 onwards the banking crisis characteristics. In the study, the total signal index was observed from August 2008 (8 months ago) to give the signal, and in March 2009 (1 month ago) stronger given the signal from 2009 to 2010 the banking crisis. The overall signal indicator gives a signal from March 2015 starting from June 2015 (over the first threshold), indicating that the Mongolian banking industry is starting a crisis. So in August 2016 (more than the second threshold) is clearly given the signal to remind the banking industry may be affected by the crisis.
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TSAI, MIN-JU, and 蔡閔如. "Earnings Management in Taiwan's Banking Industry." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/na33fk.
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碩士朝陽科技大學
會計系
107
Loan loss provisions and realized fixed assets gains and losses will appear on the statement, which allows investors and analysts to quickly analyze the bank loan status and the stability of bank assets. These two variables are also used by banks as a way of earnings management,Because raising the Loan loss provisions for bad debts will reduce the income,Increasing the realized fixed assets gains and losses will increase revenue. Using seasonal data between 2003 and 2018, it is tested whether the return on assets of the banking industry, the size of independent directors, the size of the board of directors, and the debt ratio will affect the conduct of earnings management. Empirical findings, Higher return on assets, better bank performance than earnings management. Under the corporate governance mechanism, Independent board and t Board size are less likely to engage in earnings management. The higher debt ratio and poorer solvency will increase the performance of earnings management.
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Shih, Keng-Yu, and 施畊宇. "Asset Correlation : Taiwan Banking Industry study case." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/49520407020140854996.
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碩士國立政治大學
經濟研究所
93
This paper emphasis on the importance of default correlation, and also illustrate how the concept is connected with the Basel Ⅱ framework’s intention. Moreover, the paper brought out the different methodologies used by practitioners to arrive at the default correlation calculation, namely, the dispute between asset correlation and equity correlation. Furthermore, based on the model proposed by Hamerle, Liebig, and Scheule (2004), a panel logit model is set up to capture the relationship between the default events and the risk components endured by the specific industry. The model is therefore used to test the applicability of such model using Taiwan’s banking industry data. The result is consistent with our expectation about including the macroeconomic variables which will help to explain the default events happened within the banking industry. But, to my surprise, the proposition about the contemporary systematic random risk effect seems to be insignificant and a fixed effect is suggested to be assumed instead.
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Su, Yi-Yuan, and 蘇義淵. "Ownership and Performance of China’s Banking Industry." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/13351811340914455291.
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碩士淡江大學
大陸研究所
90
The China government started the share allocation reform of banking industry since 1979. This thesis studies 12 banks in China during the period of 1996-2000, with a comparison between the state-owned and stock allocation-reformed banks. We follow the Stochastic Frontiers (SF) method proposed by Battese and Coelli (1995) to estimate cost efficiencies on China’s bank industry. The one-stage estimation and panel data model in a freeware, Frontier 4.1, is applied to estimate cost inefficiencies. We intend to empirically test whether or not the share allocation reform in China’s banking industry improves the cost efficiency. This research also tries to identify those factors affecting a bank’s cost efficiency. Our major findings are as follows: 1. There is no significant difference in cost efficiencies between the state-owned and share allocation-reformed banks. 2. The deposit amount is a significant factor of worsening a Chinese bank’s cost efficiency. 3. The investment amount has a significant effect on worsening a bank’s cost efficiency. 4. The cost efficiency of a share allocation-reformed bank in average has a higher cost efficiency than a state-owned bank. 5. The number of employees and founding periods of bank have no significant impacts on a Chinese bank’s cost efficiency.
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CHEN, CHUN-YING, and 陳椿鶯. "The Earnings Management in Taiwan Banking Industry." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/9934ds.
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博士國立雲林科技大學
財務金融系
104
The article tries to explore the relationship between earnings management and operational performance of Taiwanese banking industry. This paper adjusts the Modified Jones Model to measure earnings management and apply Grey Relation Analysis (GRA) to obtain the measurement of efficiency which is estimated using Data Envelopment Analysis (DEA). The main results show that the higher operational efficiency will result a more likely earnings management, and the higher bank credit risk will result a more likely earnings management. The banks with higher operational efficiency are inclined downward tendency earnings management before the global financial crisis, and the banks with more credit risks are inclined downward tendency earnings management after the global financial crisis.
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沈千惠. "The relative efficiency of Taiwan banking industry." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/88625218831421441982.
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Peng, Cheng-Hau, and 彭正浩. "Diversification and Performance in Taiwan Banking Industry." Thesis, 1999. http://ndltd.ncl.edu.tw/handle/28016197230152043935.
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Cho, Yunn Ru, and 邱韻如. "Causality Between Banking Industry and Business Fluctuations." Thesis, 1995. http://ndltd.ncl.edu.tw/handle/58040432757501352253.
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Liu, Ping-Chin, and 劉炳欽. "Diversification, Politics and Performance in Banking Industry." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/05297667416194683808.
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博士國立暨南國際大學
國際企業學系
101
This dissertation is composed of two articles. First, we investigate the effects of politics on the performance of financial institutions with different ownership in Taiwan. This investigation is motivated by the growing literature on the relationship between bank ownership and bank performance. Existing literature is mostly focus on commercial banks, whereas we extend this topic from commercial banks to financial institutions. We try to know the relationships between political effects, ownership and performance of financial institutions. The second article examines the relationship between bank risk and product diversification for small commercial banks in China. Further, we compare the small banks of high degree of financial leverage (HDFL) with the small banks of low degree of financial leverage (LDFL). We estimate political effects and performance based on the information obtained from 65 financial institutions in Taiwan for the period from 1994 to 2009. On the other hand we also estimate bank risk and product diversification based on the information obtained from 96 small commercial banks in China for the period from 2001 to 2011. Our main findings of first study are, firstly, during election years, the private financial institutions earned higher ROA and loan growth than the government- and foreign-owned. Secondly, government-owned institutions are not affected by current elections for all measures of performance, while foreign institutions significantly earned lower ROA, higher interest margin, and spent higher overhead costs. The empirical results of second study find that a higher degree of diversification could be induced a higher risk in China’s small banks. In addition, the small banks of high degree of financial leverage (HDFL) have higher risk than the small banks of low degree of financial leverage (LDFL), when the small banks of HDFL performed diversification in China. We also find that the small banks of HDFL have lower insolvency than the small banks of LDFL, when the small banks of HDFL performed diversification in China. Our finding would become a reference of policy makers and banking manager.
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Ho, Chun Chieh, and 何峻杰. "The Performance Analysis of Taiwan Banking Industry." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/89983013888993933063.
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碩士國立交通大學
管理學院經營管理學程
102
The financial liberation in 1970s not only allowed the establishment of new banks, but also leaded to the disposal of government-owned shares of state-owned banks to transform into privatized banks. As the development of communication technology and the removal of international trade barrier went on, the whole world become closer than before which banks started to expand their business into other countries. During 1990s, the deregulation of financial sector allowed banks to devote on different business by becoming financial holding companies. The agenda of bank privatization, the establishment of financial holding companies, growth in size, and business diversification, were the center of bank development strategies. In this paper, we investigate the performance of 31 local banks during 2006-2012 by conducting latent growth model and find that after controlling basic economic growth rate and bank features, the trend of performance of capital adequacy, assets quality, earning and liquidity move upward. After add business diversification and operation scale as moderators into our model, we found that these two variables had no influence on trends of capital adequacy and sensitivity to market risk. Moreover, they made an inverse impact on other trends which showed there were no economics of scale and scope neither risk spreading effect by pursuing growth in size and conducting business diversification strategies