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Roland, Christian. "Banking sector liberalization in India evaluation of reforms and comparative perspectives on China." Heidelberg Physica-Verl, 2006. http://d-nb.info/984703098/04.
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KITTUR, ASHA HARSHAVARDHAN. "Effectiveness of the Altman Z-Score model : Does the Altman Z-Score model accurately capture the effects of Non-Performing Assets (NPA) in the Indian banking sector?" Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-86144.
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The aim of this study is to measure the effectiveness of Altman’s Z-Score model using Non-performing assets (NPA) as a benchmark stability indicator. To do that, this paper examines if Altman’s Z Score Models capture the decline in financial health of the banks caused by the NPAs, using a two-fold analysis i.e., in advance through prediction and when the distress period is ongoing. The findings of this paper would suggest that: 1. During the distress period: The Z-Scores only marginally capture the distress caused by the NPAs, which is in line the findings of Almamy et al that the predictive ability of the model goes down during the crisis period. 2. For the future: The results of the statistical t-tests indicate that, the Z-Scores do not have the predictive ability to capture the future NPAs. Two different models that are developed by Altman - one for non-manufacturing firms and the other for the emerging markets, are used to test, if one model is more suitable than the other to the Indian banking sector. The findings of this paper suggest that, due to the uniqueness of the Indian banking sector during the NPA crisis, the ‘Emerging market model’, does not produce any significantly better results. Therefore, there is further scope to develop a tailor-made model suitable to the Indian banking sector.
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Malcata, Pedro. "Banco BPI: banking sector." Master's thesis, NSBE - UNL, 2010. http://hdl.handle.net/10362/10349.
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Schneider, Friedrich. "Regulating the banking sector /." Florence (Italie) : European University Institute, 1990. http://bibpurl.oclc.org/web/33280.
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Prange, Tim. "The Chinese banking sector." Doctoral thesis, Humboldt-Universität zu Berlin, Wirtschaftswissenschaftliche Fakultät, 2010. http://dx.doi.org/10.18452/16129.
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Zusammenfassung: Diese Arbeit liefert eine institutionenökonomische Sicht auf den chinesischen Bankensektor des Jahres 2005. Im theoretischen Teil werden etablierte makroprudentielle Indikatoren zur Prüfung der Bankenstabilität in einen Rahmen aus informellen und formalen marktregulierenden und marktstabilisierenden Institutionen integriert. Die sich anschließende positive institutionelle Analyse zielt auf die Identifizierung von Risiken für die Stabilität des chinesischen Bankensektors ab, welche sich aus diesem institutionellen Gefüge ergeben. AbstractAbstract: This paper gives an institutional perspective on the Chinese banking sector at the end of 2005. For the theoretical part, this paper uses established macroprudential indicators for banking sector stability and integrates these into a set of formal and informal market-regulating and market-stabilising institutions. The following positive institutional analysis aims at identifying risks for the stability of the Chinese banking sector emanating from this institutional framework.
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Ferraria, Ana Rita de Almeida Marques. "Banco BPI SA: banking sector." Master's thesis, NSBE - UNL, 2014. http://hdl.handle.net/10362/11703.
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Salé, Laurent. "Liquidity in the banking sector." Thesis, Paris 1, 2016. http://www.theses.fr/2016PA01E002/document.
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Comme un déterminant de la survie d'une banque durant la crise financière de 2007/2008, la liquidité dans le secteur bancaire a depuis récemment représenté un défi pour les communautés financières et universitaires. Les trois articles présentés dans cette thèse portent sur les deux principales facettes de la liquidité dans le secteur bancaire: la détention d'actifs liquides (à savoir, la trésorerie et les ressources assimilées) et le processus de création de la liquidité dans les banques utilisé pour financer des prêts. Comme on le verra dans les articles, ces deux aspects de la liquidité peuvent être considérés comme les deux faces d'une même pièce. Je reconnais que la liquidité dans le secteur bancaire est liée à la création monétaire; cependant, cette thèse se concentre sur les deux précités aspects de la liquidité. Tout d'abord, cette introduction présente comment le concept de la liquidité a évolué dans la pensée économique dominante. La seconde partie considère le renouveau de la détention de cash qui a été observée depuis la crise financière de 2007/2008 dans le secteur bancaire. La troisième section examine les propriétés de liquidité. La quatrième section explore ce que nous ne savons pas sur la liquidité. La cinquième section identifie et sélectionne trois problèmes fondamentaux relatifs à liquidité et qui sont analysés dans les trois articles présentés dans thèse. La sixième et dernière section présente la méthodologie utilisée dans les trois articles pour répondre à ces questions. Chapitre 1 : “Why do banks hold cash ?". La détention de cash et assimilé cash par les banques détiennent est devenue un enjeu majeur depuis la crise financière de 2008 qui a démontré que la trésorerie retenue est un déterminant majeur dans les chances de survie des banques. Cet article examine les déterminants de la détention de cash banque en utilisant des données internationales pour la période 1981-2014. Sur la base d'un grand échantillon, nous documentons une augmentation séculaire de la détention de cash par les banques pendant une période de 35 ans. Nous apportons la preuve que la nature optimale dynamique de la détention de cash est rejetée dans le secteur bancaire. Ces résultats contrastent avec le secteur non bancaire, où la nature optimale dynamique de trésorerie est observée. Chapitre 2: “Does an increase in capital negatively impact banking liquidity creation?”. A partir d'un ensemble de données composé d'un panel de 940 banques cotées des pays européens, américains et asiatiques, cet article documente l'évolution de la création de la liquidité bancaire au cours d'une période de 35 ans (1981-2014). La preuve empirique confirme que les niveaux de risque et de capital jouent un rôle significatif et négatif dans la création de liquidité par les banques. Dans l'ensemble, les effets négatifs de l’augmentation de capital sur la création de la liquidité bancaire sont plus importants que les effets positifs sur la gestion du risque correspondant, ce qui suggère que les exigences de fonds propres imposées pour soutenir la stabilité financière affectent négativement la création de liquidités. Ces résultats ont de larges implications pour les régulateurs bancaires. Chapitre 3: “Positive effects of Basel III on banking liquidity creation”. Ce document évalue l'effet du cadre réglementaire de Bâle III sur la création de liquidité bancaire. Les résultats sont basés sur un ensemble de données de panel de banques américaines qui représentent environ 60% des prêts et dépôts américains sur une période de 7 ans (2009-2015), en plus de différence dans la différence et les méthodes de survie standard. Tous les composants de Bâle III pris ensemble, il existe des preuves empiriques que Bâle III a un effet positif sur la création de liquidité bancaire sur le marché américain, en particulier pour les grandes banques. Ces résultats ont de larges implications pour les régulateurs bancairesAs one determinant of a bank’s survival during the financial crisis of 2007-2008, liquidity in the banking sector presents a challenge for the financial and academic communities and has recently become a central point of interest. The three articles presented in this thesis focus on the two main facets of liquidity in the banking sector: the holding of liquid assets (i.e., cash and assimilated resources) and the process of liquidity-creation in banks used to fund loans. As will be discussed in the articles, these two aspects of liquidity can be viewed as two sides of the same coin. I acknowledge that liquidity in banking is linked to the creation of money; however, this thesis focuses on the aforementioned two aspects of liquidity. First, this section presents how ideas about liquidity in the banking sector have evolved in mainstream economic thought. Second, it considers the revival of cash-holding that has been observed since the financial crisis of 2007-2008. Third, it discusses the properties of liquidity. Fourth, it explores what we do not know about liquidity. Fifth, it identifies the fundamental issues analyzed in the three articles. Finally, it presents the methodology used in the articles to address these issues. Chapter1: “Why do banks hold cash ?”. This paper investigates the determinants of bank cash holding by using international data for the period 1981-2014. The results do not seem to provide support for the substitutability hypothesis regarding the substitutive relation between cash and debt levels. Further, using the GMM-system estimation method, we find no support for the dynamic optimal cash model, suggesting that cash management in the banking sector is bounded by number of constraints that make it difficult for the agents to optimize their utility. Chapter 2: “Does an increase in capital negatively impact banking liquidity creation?”. From a dataset composed of a panel of 940 listed banks based in European, American and Asian countries, this paper documents the evolution of bank liquidity creation over a 35-year period (1981-2014). The empirical evidence confirms that risk and equity levels play a significant and negative role. Overall, the negative effects of equity increases on bank liquidity creation are more significant than corresponding positive effects on risk management, suggesting that capital requirements imposed to support financial stability negatively affect liquidity creation. These findings have broad implications for policymakers. Chapter 3: “Positive effects of Basel III on banking liquidity creation”. This paper estimates the effect of the Basel III regulatory framework on banking liquidity creation. The results are based on a panel data set of U.S. banks that represent approximately 60% of U.S. loans and deposits over a 7-year period (from 2009 to 2015) in addition to difference-in-difference and standard survival methods. All components of Basel III taken together, there is empirical evidence that Basel III has a positive effect on banking liquidity creation in the US market in particular for major banks. These findings have broad implications for policy makers
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Khachukaeva, Bella. "Innovations in the Banking sector." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-262187.
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The aim of this thesis is to propose improvements in the selected banking process. This thesis consists of a theoretical and a practical part. The theoretical part is devoted to the traditional and banking approaches to innovations. The definition of innovations, classification, sources, models of innovation process, barriers to innovations are defined in the theoretical part. The practical part is devoted to the analysis of the process and a proposal of the innovation model of the process.
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Liu, Chenshuang, and Miao Yu. "Banking Sector Reform and Economic Growth : Case study of the South Korean banking sector reform." Thesis, Jönköping University, JIBS, Economics, 2007. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-1045.
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South Korea experienced a financial crisis in 1997 after more than 30 years of fast eco-nomic growth. During the crisis its gross domestic product (GDP) decreased sharply and many enterprises went bankrupt. The stated-owned banks in South Korea suffered huge losses and investors lost confidence in investing in the South Korean financial market. One result of the crisis reveals the weakness of the South Korean economy- government intervention in the banking sector.
This paper provides the reason for the financial crisis in 1997 in the introduction sec-tion. The following section is a theoretical framework, in which we have presented two macroeconomic models: the Solow model-growth accounting formula and the Ricardo-Viner model. With empirical findings, we show how the South Korean government re-sponded after the crisis with three approaches to banking reform. We include the two macroeconomic models in the analysis of how the three approaches affected the eco-nomic growth in South Korea during the reform process in the analysis section. Finally, we conclude that the South Korean banking sector reform has provided a success and briefly discuss how China should implement the South Korean useful experiences into its ongoing process of banking sector reform.
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Centerskog, Frida. "Implementing Principles for Responsible Banking in the Swedish banking sector." Thesis, Uppsala universitet, Institutionen för geovetenskaper, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-427012.
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Principles For Responsible Banking is an initiative launched by the United Nations Environment Programme Finance Initiative in 2019. The initiative has been signed by more than 185 banks around the world. The initiative was commenced to established a framework for the banking sector in order to align their sustainability efforts. The purpose of the research is to investigate whether the level of commitment of the major banks operating in Sweden to their sustainability work. Content analysis and semi-structured interviews were performed in order to research the sustainability efforts by the banking sector. The results suggests that the banks are working towards the sustainability goals mapped out by the United Nations and Agenda 2030 but also that the banks already have measures in place to drive their sustainability work forward. The banks can intensify their sustainability work by implementing stronger actions in order to reach greater results and accelerate their efforts.
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Hålander, Eva. "Competition in the Swedish Banking Sector." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Nationalekonomi, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-18329.
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This thesis aims to evaluate the competitive situation in the Swedish banking sector. The banking sector in Sweden is characterized by its high degree of concentration, with four major banks controlling a large share of the market. Combined with high profits and high interest margins, this has raised concerns regarding the competitive pressures in the sector. Many existing theories in the literature try to evaluate competition based on market structure, however modern research concludes that high concentration does not necessarily imply less competition. By using a model that estimates the elasticity of factor input prices, the competitive behavior among the market players can be assessed and the results reveal a less competitive situation on the Swedish market compared to previous research within the field of banking competition.
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Winistörfer, Patrick. "Monetary policy and the banking sector /." Bern : Studienzentrum Gerzensee, 2007. http://www.gbv.de/dms/zbw/568291794.pdf.
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Pirozhkova, Ekaterina. "Uncertainty, banking sector and financial frictions." Thesis, Birkbeck (University of London), 2017. http://bbktheses.da.ulcc.ac.uk/267/.
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Uncertainty is an important determinant of economic developments at both micro and macroeconomic levels. The main objective of this thesis is to examine the effects of economic and model uncertainty, paying close attention to financial factors as a key mechanism that propagates and amplifies business cycle movements. The first part of the thesis studies the impact of uncertainty on bank assets portfolios allocation. In chapter 1 I do this empirically by estimating a set of vector autoregression models. I show that a positive shock to uncertainty leads to reallocation of portfolios by commercial banks: they reduce issuance of business loans, while increasing the stock of safe assets - cash and Treasury and agency securities. I also demonstrate that when risk, uncertainty and balance sheet factors are controlled for, business loans decrease after monetary tightening, what allows to resolve the puzzle raised by den Haan et al. (2007) that business loans increase following monetary contraction. In chapter 2 I examine the relationship between economic uncertainty and asset portfolio allocation of banks in a theoretical model. The model incorporates a portfolio-optimizing banking sector facing non-diversifiable credit risk, where banks’ attitude to risk and expected profitability help to explain the endogenous movements of the risk premium. The premium charged by risk-averse banks provides self-insurance from profitability reduction brought about by heightened uncertainty about entrepreneurial productivity. Financial accelerator mechanism amplifies the portfolio reallocation effect of uncertainty shock. In the second part of the thesis I study how financial frictions affect robustness of monetary policy rules in New Keynesian models in case of model uncertainty. I demonstrate that when there is uncertainty about what type of financial frictions is at work, a policymaker exposes economy to risks of significant welfare losses by using a reference model without frictions as an economy representation.
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Lopatkina, I. V., and V. G. Lopatkin. "Transformational processes in global banking sector." Thesis, Ukrainian Academy of Banking of the National Bank of Ukraine, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63357.
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The last several years have been critical in the process of transformation of the financial markets around the globe. The recent crisis has shed the light onto the flaws of the financial systems exacerbated by government profligacy and fundamental changes in human/consumer psychology. In order to mitigate the consequences of the current crisis as well as prevent similar from happening in the future financial regulators have to undertake a large number of measures. This in turn brings up the question of financial system transformation and transformation in banking specifically.
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Hulinsky, Nathan James. "Risk Balancing in the Banking Sector." Thesis, North Dakota State University, 2015. https://hdl.handle.net/10365/27863.
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Policies to help banks reduce risks could have a null effect or completely opposite effect because firms exhibit a preferred risk level. The objective of this study is to evaluate the effects of risk balancing in the banking sector of the Northern Great Plains region of the USA. A panel model will be used to evaluate the effects of both business risk and financial risk of over 870 banks in the region. The Global Financial Crisis and bank policies will be taken into account. The banks will be separated into three separate population sectors to analyze the effects of different sectors.
Results indicate that the risk balancing hypothesis holds true in the banking sector. This is important to both bank managers and policy makers in efficient policy design. Policies to help reduce risk could have the unintended effect when policy makers fail to account for risk balancing hypothesis.
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Hajiyev, Rashad <1996>. "Risks faced by the banking sector, credit risk measurement methods and an application on Azerbaijan banking sector." Master's Degree Thesis, Università Ca' Foscari Venezia, 2021. http://hdl.handle.net/10579/20128.
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The most important type of risk that banks traditionally face is credit risk. The banking sector is basically faced with credit, operational, liquidity, interest rate, market, capital, exchange rate and operational risks. Among these risks, especially in recent years, the credit risk, which has started to be examined in more detail following the economic and financial crises in the world markets, and manifests itself more with the increase in the default risk levels of companies. The purpose of the thesis is to reveal what kind of credit risks banks face, what kind of practices they have developed to measure, manage and reduce this risk, what kind of regulations the supervisory authorities make and the credit risk outlook of the Azerbaijani banking sector.
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Abburi, Sridhar, and Ramakrishnan Chinnappan. "COLLABORATION IN BANKING INFORMATION SYSTEMS : INVESTIGATING THE FUTURE OF BANKING SYSTEMS IN INDIA." Thesis, Högskolan i Borås, Institutionen Handels- och IT-högskolan, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-17062.
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Banking systems in India is quite popular and it needs some more changes to reach all the customers. Lack of the service is main problem in Indian baking system. If the common person wants to open the account, it take’s little bit high cost and banks are not near the people location. Due to the Lack of service, people do not want to be a customer of the bank. In the research trying to find the solutions for some of the problems to maintain a banking account, we want to provide the maximum time of service in banking systems and to find the better solution for the common persons to use the banking systems. The research idea Collaboration banking information systems are designed to combine all the account information into a system, to provide a better solution for the customer, and to solve all the internal problems in the banking systems. From this new concept we could establish the bank in each and every village, So that we could reach all the customers by providing them a good quality service and exceeding their expectations. The Collaboration systems are less time consuming and it reduces the burden of both the customers and bank employees. Some banks failed due to the lack of customers and the over burden of interest charged by the government.The research idea is to share all the account details from all the banks into a system that is known as collaboration banking information systems. The collaboration banking systems are entirely different and it reduces the cost maintenance of the Indian banking systems.Program: Magisterutbildning i informatik
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Jeong, Woocheon. "Three essays on the relationship between the banking sector, the real sector, and the political environment." Morgantown, W. Va. : [West Virginia University Libraries], 1999. http://etd.wvu.edu/templates/showETD.cfm?recnum=416.
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Thesis (Ph. D.)--West Virginia University, 1999.Title from document title page. Document formatted into pages; contains x, 91 p. : ill. Vita. Includes abstract. Includes bibliographical references.
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Tchape, Tchapi Pierre Douglas, and Elina Rosenfeld. "Environmental Concerns and Banking Sector in Sweden." Thesis, University of Skövde, School of Technology and Society, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-1061.
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This study concentrates on two questions – “Should banks take environmental concerns?”and “What is the attitude of Swedish banks towards sustainability?” The theory related to environmental concerns in the financial sector is presented and further on the empirical data
describing the situation within the Swedish banking sector is discussed. The empirical data was collected with the aid of a semi-structured interview and offers a real-life example of actions and attitudes of two case banks in Sweden – SEB and Handelsbanken. The aim of this paper is not restricted to presenting and discussing the collected theoretical and empirical data but also to involve the reader in the environmental way of thinking. This text is based on
the idea that banks are liable for the indirect impact on the environment and need to acknowledge that some borrowers involve in environmentally harmful businesses. The research method used for this study is of a qualitative nature, more precisely it is an exploratory research which aims to explain. The semi-structured interview used to study the attitudes of the chosen Swedish case banks, was composed of two types of questions – closed- and open-ended. Special characteristics of a semi-structured interview are the prompts and probes in its structure. These are the approaches to guide the respondent to reach broader coverage and greater depth in his/her answers.
Through the interview results, it became evident that the environmental issues have gained certain visibility within the Swedish banking sector. The given answers pointed towards the impression that maintaining a sound corporate image is the prior concern of a bank and
indicated that banking sector in Sweden undergoes external pressure to pursue environmentally friendly activities. It is clear that banks play a major role by financing the continuous damage to our planet, and it is comforting to know the banking sector is undergoing the pressure of becoming more involved in sustainable development. The
conclusions and the empirical evidence presented in this study are hoped to give a simplified view on environmental concerns within banking sector.
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Yang, Andy. "Credit risk measurement in China's banking sector." Thesis, University of Macau, 2007. http://umaclib3.umac.mo/record=b1950319.
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Gelaschwili, Simon, and Andreas Nastansky. "Development of the banking sector in Georgia." Universität Potsdam, 2009. http://opus.kobv.de/ubp/volltexte/2009/4021/.
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The authors’ outline of the evolution of the banking sector development assesses governmental approaches to bank regulation and supervision and is a basic regulatory frame-work, needed to reduce bank failures; it characterises steps of the evolution of the banking sector and trends of its development.
The discussion focuses on: 1. Initial forming and restructuring of the banks, changes in the commercial banking sector and the reorganising of the banking systems; 2. Change of the role of the national bank and the mode of its intervention; 3. Dynamics of the banking system development in Georgia and the risks of banking activities.
The main findings suggest that 1. The Georgian banks overcame the crisis of the 90’s because of having portfolios of assets in foreign currencies and performing of the national banks function in the “lender of last resort”; 2. Regulatory and supervisory practices in Georgia develop from strict regulations to a deregulation that is most effective in promoting good performance and stability in the banking sector; 3. Alongside with the increase of banking concentration and openness the banking competition and financial risks boost too; that could be managed by further development of institutional reforms in the banking sector. There is an assess of the development and weakness of the banking sector.Entwicklung des Bankensektors in Georgien
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Fu, Xiaoqing. "Efficiency and competition in China's banking sector." Thesis, City University London, 2004. http://openaccess.city.ac.uk/8428/.
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China's banking sector has undergone remarkable changes during the last two decades, and banks in China today face more competitive pressure than ever before. The objective of this thesis is to investigate the efficiency and competition of the major Chinese banks over the period 1985-2002. After reviewing the evolution of the banking sector over the past half-century, the thesis addresses an important aspect of competition: X-efficiency and its potential correlates. X-efficiency is found to be as low as 40%-50% on average, suggesting that it is an important issue which should receive more attention from researchers, bank regulators and managers. State-owned banks are found to be less X-efficient than joint-stock banks, confirming the need for a shift in favour of shareholder owned banks. X-efficiency is also found to be more pronounced in the first stage of banking reform, implying that further interest rate liberalisation is necessary to help bank managers to be better able to control their costs. Tests for the presence of economies of scale and scope follow. The evidence is mixed but suggests that banks' cost structures may improve if the law prohibiting universal banking is relaxed. Finally, both the market-power and efficient-structure hypotheses are examined using a random effects panel data model. Some evidence is found to support the relevant market-power hypothesis and the X-efficiency version of the efficient-structure hypothesis for banks in the first and second reform stages, respectively, suggesting that the government's gradual approach to reform has improved the competitive structure of the banking sector. However, policy should be directed at enabling the more efficient banks to gain larger market shares. For example, the expansion of the joint-stock banks should be encouraged. There is little evidence of a 'quiet life' for the big four (state-owned) banks. However, while interest rate liberalisation should improve bank efficiency, policy makers must be aware of possible negative effects such as excessive market power, 'quiet life' effects, and other anti-competitive behaviour.
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Delmenico, Giorgio Dario. "Disinvestments predictive model in the banking sector." Master's thesis, Instituto Superior de Economia e Gestão, 2021. http://hdl.handle.net/10400.5/23401.
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Mestrado Bolonha em Mathematical FinanceThe churn rate, also known as the rate of attrition or customer churn, is the rate at which customers stop doing business with an entity. It is most commonly expressed as the percentage of service subscribers who discontinue their subscriptions within a given time period. It is also the rate at which employees leave their jobs within a certain period. For a company to expand its clientele, its growth rate (measured by the number of new customers) must exceed its churn rate. This phenomenon applies in the bank industry in two different ways: - Of course, we have clients churn, well described before, it’s simply the process that sees the departure of client who closes every link with the previous bank to open a new bank account and any other product with a new institute - We experience also what is called the Money-Churn, phenomenon of disinvestments from investing funds for any reason. More than ever this last process has been controlled and analyzed due to the medical and economic situation that we are experiencing since March 2020. Covid19 has changed the customers relationships with their own bank, long quarantine periods have increased the need for liquidity and the fear for the performance of financial markets. Many banks have seen large amounts of capital come out of their pockets for these reasons without being prepared to respond effectively. Obviously, no one was equipped for the scenario that suddenly emerged but once again: 'Life is 10% what happens to me and 90% how I react to it'. I am proud to say that I am part of a banking group that from the very beginning has been at the service of its customers, creating opportunities and immediate help for those most affected by the consequences of this pandemic. What we are describing in this report is a process of building a system to flag up those clients most at risk of disinvestment and this is just a small part of a much larger project that will be called Close to the Client in which other teams such as product development, commercial marketing and management control will be involved.
info:eu-repo/semantics/publishedVersion
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Гуменна, Юлiя Григорiвна, Юлия Григорьевна Гуменная, Yuliia Hryhorivna Humenna, and A. Eremenko. "Relationship between digital technologies and banking sector." Thesis, Sumy State University, 2019. https://essuir.sumdu.edu.ua/handle/123456789/77713.
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Nowadays, digital technologies are fully penetrating and being implemented in
the financial services industry by offering products and services to consumers and
businesses through financial institutions. The rapid development of information and
communication technologies has enabled lending institutions to improve their
operations and develop remote banking services over the Internet.
Internet banking was introduced in the early 1990s. It has since grown rapidly
with the spread of the Internet. Digital banking, in the first place, includes the concept
of non-cash. Historically, this method of calculations arose at the end of the
seventeenth and early eighteenth centuries.
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Reuse, Svend. "Corporate evaluation in the German banking sector." Wiesbaden Dt. Univ.-Verl, 2007. http://dx.doi.org/10.1007/978-3-8350-9533-5.
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Madani-Beyhurst, Shirin. "Essays on the banking sector of Luxembourg." Thesis, Strasbourg, 2017. http://www.theses.fr/2017STRAB003.
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Cette thèse étudie le secteur bancaire du Luxembourg sous trois angles différents. Elle apporte de nouveaux éléments de débat sur un secteur bancaire souvent commenté mais rarement étudié. En outre, dans chacun des trois chapitres, les impacts de la crise financière sont étudiés. Chapitre 1: Création de liquidité par les banques du Luxembourg. Ce chapitre évalue la quantité liquidité créée par les banques. Nous constatons que cette création a plus que doublé entre 1999 et 2011. Cependant, la liquidité créée a commencé à diminuer en 2009 et en 2011, elle n’était toujours pas revenu au niveau d'avant la crise. Chapitre 2: Le canal du crédit bancaire au Luxembourg. Nous trouvons un canal du crédit opérationnel qui fonctionne essentiellement via la capitalisation des banques sur base agrégée. Nous démontrons également que les banques ont préservé la disponibilité du crédit lors de la crise financière. Chapitre 3: Rentabilité bancaire au Luxembourg dans un environnement de taux bas. Nous constatons qu’à long terme, le niveau et la pente de la courbe des taux contribuent positivement à la rentabilité bancaire, par conséquent, que les taux d'intérêt actuellement bas ont un effet négatif sur la profitabilité des banquesThis dissertation studies the banking sector of Luxembourg under three different angles. It therefore contributes to provide new evidence on an often commented but rarely investigated banking industry. Furthermore, in each of the three chapters, the impacts of the financial crisis are studied. Chapter 1: Bank liquidity creation in Luxembourg. This chapter assesses how much liquidity banks in Luxembourg have created. We find that liquidity creation has more than doubled between 1999 and 2011. However, the level of liquidity created started to decrease in 2009 and in 2011, was still not back to pre-crisis level. Chapter 2: The bank lending channel in Luxembourg. We find an operative bank lending channel in Luxembourg, which works through capitalization on an aggregated basis. Regarding the financial crisis, we underlined that banks preserved the availability of credit.Chapter 3: Bank profitability in Luxembourg in a low interest rate environment. We find that, in the long-run, the level and the slope of the yield curve contribute positively to bank profitability and hence that the current low interest rates have a negative effect on banks’ profits
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Häggqvist, Jacob. "Digital Transformation in the Swedish Banking Sector." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-264176.
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The face of banking has changed dramatically over the last few decades, and in no area does this statement hold more true than in the domain of digitalization. One term that has been relentlessly repeated when discussing the past, present and future of this development is ”Digital Transformation”. Digital Transformation can be tersely defined to mean change driven by digital technologies, with the potential to increase efficiency in existing processes, as well as to allow for new and novel technology-driven problem solutions and business models. Despite the fact that Swedish major banks have come a long way in their digital transformation efforts, there is a lot of evidence that points towards this process not proceeding fast enough. This study is an effort to get a general overview of the main barriers and mechanisms that are causing this development to proceed at a slower rate than might otherwise be desired, and to investigate how actors within the Swedish banking sector are seeking to overcome said barriers. This is done primarily through the interviewing of key personnel within major Swedish universal banks. The majority of the interviews are conducted with employees from a single major Swedish universal bank, taking the form of a case study, while a smaller number of interviews are conducted with individuals associated with other banks, in an effort to provide increased generalizability. The results of the study show that barriers standing in the way of continued digital transformation in the Swedish banking sector can generally be categorized into one of the following categories: Legacy Infrastructure, Organizational Structure, Organizational Culture, Incentive Structure, Resource Insufficiency, Regulation, and Failure in Management. The solutions and models discussed to address these issues included API First approaches, change driven through Cross-Functional Teams, and Collaborative Strategy Formulation.Hur bankverksamhet bedrivs har förändrats dramatiskt över de senaste årtiondena, och i inget område är detta lika tydligt som när det kommer till digitalisering. Ett begrepp som ständigt upprepas när man beskriver den forna, nutida och framtida utvecklingen av den här typen är ”Digital Transformation”. Digital Transformation kan kortfattat summeras till att betyda förändring driven av digital teknologi, med potential att öka effektiviteten i befintliga processer, samt möjliggöra för nya problemlösningar och affärsmodeller. Trots det faktum att de svenska storbankerna har kommit en lång väg i sina digitala transformationsinitiativ, så finns det mycket som tyder på att denna process ändå inte går tillräckligt snabbt frammåt. Den här studien är ett försök att få en generell överblick på de primära barriärerna och mekanismerna som orsakar att denna utveckling går långsammare än önskat, samt att undersöka hur aktörer inom den svenska banksektorn har för avsikt att bemöta dessa problem. Detta görs huvudsakligen genom intervjuer med nyckelpersonal inom de svenska storbankerna. Majoriteten av de intervjuade kommer från en enda bank, där en form av casestudie utförs, medan ett mindre antal intervjuer genomförs med individer tillhörande andra banker, i en ansats att ge ökad generaliserbarhet. Resultatet av studien visar att barriärer som står i vägen för fortsatt digital transformation i den svenska banksektorn kan generellt kategoriseras in i följande kategorier: Föråldrad Infrastruktur, Organisationsstruktur, Organisationskultur, Incitamentstruktur, Resursbrist, Regulation, och Misslyckanden i Styrning. De lösningar och modeller som diskuterats for att adressera dessa problem inkluderade API First-baserade tillvägagångssätt, förändring driven av tvärfunktionella arbetslag, samt kollaborativ strategiformulering.
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Bennasr, Nabil. "Islamic banks facing the conventional banking sector." Thesis, Université Côte d'Azur (ComUE), 2018. http://www.theses.fr/2018AZUR0004.
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Cette thèse analyse les conséquences de l’intégration d’un milieu bancaire conventionnel pour une banque islamique. Elle est composée de trois chapitres. Un premier traité de la conformité Sharia des banques islamiques. Cette conformité est assurée par un comité de supervision éthique. Nous détaillons le rôle et les tâches de ce comité de supervision éthique et montrons comment les contraintes réglementaires internationales ainsi que la pénurie éventuelle de personnels compétents pour alimenter ces sharia boards incitent la banque islamique à externaliser ce contrôle de conformité Sharia. En se proposant sur modèle théorique inspiré de Kornai, Maskin and Roland (2003), ce premier chapitre examine ainsi l'impact de l'externalisation de ce comité sur le business model de la banque islamique. Le deuxième chapitre est essentiellement empirique : nous comparons l'efficacité des deux modèles de banque, l’un internalisant (l’autre externalisant) le processus d’examen/ validation de la conformité Sharia. Pour procéder à cette étude empirique, nous examinons un échantillon d'une centaine de banques qui se divise en deux groupes de banques un premier qui externalise le contrôle de conformité Sharia et le deuxième l'internalise. Nous montrons que les banques sont plus efficaces lorsqu'elles externalisent ce processus de conformité. Finalement, un troisième chapitre traite la question de la création de liquidité au sein des deux banques, conventionnelle et islamique. Dans ce chapitre nous développons un modèle théorique inspiré de Diamond (2007) et nous comparons la création de liquidité de ces deux banques. Nous mettons en évidences les contraintes qui pèsent sur la banque islamique, elles se manifestent dans la structure du bilan des banques islamiques, un bilan qui présente un volume important d'actifs tangibles. On montre que la structure de ce bilan limite la possibilité pour les banques islamiques de concurrencer les banques conventionnelles et ainsi remet en cause leur capacité à intégrer un milieu bancaire conventionnelThis dissertation analyses the consequences of the integration of an Islamic bank into a conventional banking environment. The dissertation is composed of three chapters. The first examines the Islamic banks' compliance, which is ensured by a supervisory ethical committee. We examine the role and the tasks of this committee in detail, showing how international regulatory constraints, as well as a general lack of individuals with the required skills to sit on the Sharia boards, provide incentives for the Islamic bank to outsource the monitoring of Sharia compliance. Basing our study on a theoretical model, inspired by Kornai, Maskin and Roland (2003), this first chapter analyses how the outsourcing of this committee has an impact on the business model of the Islamic bank. The second chapter is largely empirical; we compare the effectiveness of two bank models, one in which the Sharia compliance validation process is internal, and one in which it is external. To test this empirical study, we analyze a sample of around 100 banks which are divided into two groups, one which outsources the Sharia compliance and monitoring and one which internalizes this process. We show that banks are more effective when they outsource the compliance monitoring process. Finally, the third chapter approaches the question of liquidity creation within two types of bank: Islamic and conventional. In this chapter, we develop a theoretical model inspired by Diamond (2007) and we compare the liquidity creation process in these two banks. We demonstrate the constraints that burden the Islamic bank, shown by the high volume of tangible assets in their balance sheets. We demonstrate that the structure of this balance sheet limits the possibilities for Islamic banks to compete with conventional banks, and thus brings into question their capacity to integrate a conventional banking environment
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Dadzie, John Kwame. "The impact of banking reforms on competition and efficiency of Ghana's banking sector." Thesis, University of Reading, 2017. http://centaur.reading.ac.uk/73337/.
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African countries are pursuing financial reforms to address inhibitions to competition and efficiency of their banking sectors. This thesis focuses on Ghana which recently implemented deregulation reforms including the introduction of universal banking, the adoption of an open licensing policy to enhance contestability and competition, and the abolition of secondary reserves; and examines the impact of these reforms on banking competition and efficiency. The study uses a comprehensive and unique panel dataset of 25 banks for the period 2000-2014 which captures the pre- and post-reform periods. The study employs the persistence of profit and Boone indicator models of competition to analyse competitive conditions in the loans market. The empirical results suggest that competition initially increased following the reforms but subsequently declined as a result of macroeconomic weaknesses, in particular high interest rates, which was partly impacted by the indirect effects of the global financial crisis. The study also uses stochastic frontier analysis to examine the efficiency impacts of the reforms, as well as the role of bank ownership and size in influencing efficiency levels. Different deregulation reform indices are constructed using survey data and coding rules from two international databases on banking regulations and reforms, and captured as inefficiency covariates together with ownership and bank size in the one-step Battese-Coelli (1995) model. The findings point to an overall increase in cost efficiency following the reforms although there is non-uniformity in efficiency-impacts from the different policies. Foreign and regional banks are found to be marginally more efficient than private domestic and state-owned banks. Bank size was found to positively impact cost efficiency while the global financial crisis had an adverse impact on efficiency. The policy implications are that for African countries to benefit from financial deregulation reforms, there is the need for the reforms to be anchored on strong macroeconomic fundamentals, institutional initiatives which support these reforms, strong credit environments and appropriate sequencing of reforms.
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Jia, Mo (Maggie). "Housing market, banking sector and macroeconomy in China." Thesis, University of Cambridge, 2018. https://www.repository.cam.ac.uk/handle/1810/279056.
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This thesis contains three main parts. In the first part, we adapt a model developed for the US economy to the unique Chinese economic and institutional context. The uniqueness is mainly from two perspectives: the dual-channel housing financing system in China and the existence of the shadow banking sector (which differs from the shadow banking in developed economies) in China’s housing market. It would be difficult to obtain a clear picture of the Chinese housing market and macroeconomy without a thorough understanding of these two characteristics. This is due to the crucial role played by shadow banking and other informal finance institutions within the context of China in both the development and purchase of housing, in supporting productive economic activities in general, and that the housing market is in turn intricately connected to the health of the Chinese economy, being a key ‘barometer’. The second part of the research is the quantification of the determinants of the scale of shadow banking in China. The quantification is crucial since policy makers need to be aware of how sensitive shadow banking is to various factors. We develop a theoretical framework to explain the evolution of the scale of shadow banking in China. As part of this research, we investigate whether the real interest rate of household saving deposits, the required reserve ratio and bank loans to business and household are the main factors in explaining the evolution of China’s shadow banking. In the third part of research, we employ a credit risk and macroeconomic stress test to investigate the vulnerability of the commercial banks in China. Our originality here is the integration of both the role of shadow banking and housing market related loans in the commercial banks’ stress test scenarios at the macro level. Since a systematic analysis regarding the effect of changes in the macroeconomy and housing market on the credit risk of commercial banks in China is scarce, we use bank stress tests to analyse the credit risk in terms of the non-performing loans ratio of commercial banks in China; this is in response to changes in the macroeconomic factors and housing market. We address the role of the variation of the scale of shadow banking in China in terms of its contribution to the credit risk because of its uncertainty and close link with the commercial banks. Stress tests often focus on a single bank or financial institution yet we apply the same principles to examine the financial system as a whole in China, which would allow us to quantify the systemic risk in the entire Chinese financial system; and which variables, especially shadow banking contribute to the risks and by how much. This thesis contributes to the understanding of how China’s dual-channel housing finance system and shadow banking affect the evolution of house prices; and also, the main driving factors of the scale of China’s shadow banking and whether the housing market related loans and shadow banking pose risks to commercial banks. Possible research questions raised by the main findings of this thesis will enrich the debate on China’s housing market, shadow banking and regular banks, especially at a time when China is reforming its economic structure.
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Gunsel, Nil. "Banking sector distress in the North Cyprus economy." Thesis, University of Leicester, 2006. http://hdl.handle.net/2381/31117.
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The purpose of this thesis is to empirically investigate the micro and the macro determinants of bank fragility in the North Cyprus economy over the period 1984-2002 using a multivariate logit model and logistic survival analysis. The empirical methodology employed in this analysis allows for the distinction between the determinants of the likelihood of bank failure and the survival time. Firstly, the model links the probability and the timing of banking problems to a set of bank-specific factors, then following the identification of bank-specific variables, the approach proceeds by combining these banklevel factors with the macro-environment that may have exacerbated the internal troubles of the financial institutions. The macro factors considered in the analysis are macroeconomic characteristics, financial and structural weaknesses, external shocks and potential contagion effect from Turkey.;The empirical findings suggest that capital inadequacy, low asset quality, low profitability, low liquidity, small asset size, a fall in the real GDP growth, high inflation, rising real interest rates, high credit expansion to public and private sector, a sharp increase in the real exchange rates, adverse trade shocks and high budget deficit, the ratio of M2 to foreign exchange reserves, implicit/explicit deposit insurance, financial liberalization, weak regulation and supervision and external shocks and exchange rate pressure on Turkish Lira played an important role in the escalation of the 2000-2002 banking distress in North Cyprus. Moreover, an empirical examination of the results for survival analysis reveals that low leverage, low liquidity and high credit that extended to the private sector are the main determinants of the time to banks failure in North Cyprus.;Keywords: North Cyprus economy, banking sector, bank fragility, logit, survival.
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Chung, Chun Pong Thomas. "Corporate governance in the banking and finance sector." Thesis, University of Wolverhampton, 2017. http://hdl.handle.net/2436/621335.
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The focus of this thesis is an examination of certain weaknesses in the corporate governance at UK and US banks which constituted an underlying cause of the crisis. It considers the regulatory responses to these identified weaknesses and assesses to what extent these have led to improvements in corporate governance at banks. This research is based on an examination of all the failures at UK and US banks during and after the crisis, and of its related responses. In addition to UK and US responses, several solutions to the weaknesses identified at UK and US banks are addressed through EU legislation. The conclusions are that board effectiveness was low due to a lack of knowledge and of challenging of senior management; there was a culture placing growth and profit over risk management; and remuneration was structured leading to unacceptable risk taking resulting in scandals. It is concluded that the mechanisms to limit the impact of a failure of a bank on its stakeholders were inadequate. A case study of the financial crisis in US during the 1990s is undertaken to consider whether the US regulatory response offers lessons to UK regulators and legislators. The finding is that analysis of regulation and corporate governance at banks is problematic. There were similarities between the two financial crises, the organisation and culture of the UK and US banks is so different that different regulatory responses follow.
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Slipak. "THE BANKING SECTOR IN UKRAINE: TRENDS AND DEVELOPMENTS." Thesis, Київ 2018, 2018. http://er.nau.edu.ua/handle/NAU/33908.
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Iren, Perihan. "Information Disclosure and Banking Sector Performance and Stability." Cleveland State University / OhioLINK, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=csu1277996727.
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Sharipova, Alma. "Essays on banking sector performance in the CISs." Thesis, Middlesex University, 2016. http://eprints.mdx.ac.uk/18835/.
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This thesis consists of essays on the financial performance of the Commonwealth of Independent States’ (CIS) banking systems. Chapter 2 presents a historical overview of the financial sectors development in transition countries and the CISs in particular. It shed light on key issues of the massive changes in the financial systems of the former soviet bloc countries and their influence on the countries’ banking system landscape nowadays. This chapter aims to contribute to the better understanding of the transition processes from momobank system to two-tier banking system in the CIS countries by providing theoretical background and empirical evidence of transition processes. After more than 20 years of transition the financial systems in the CIS countries have features to different extents, which are the legacy of the former system of finance. Nevertheless, overall the banks in the CISs were transferred into commercial banks and adopted the concept of conventional banking though to different degrees across countries. One of the most important transformations in the CIS banking sectors is the ownership of banks, which were fully state-owned during the soviet times; and privatisation and liberalisation completely reshaped the ownership structure in the CISs. Moreover, the changes in regulation and supervision have critically transformed banks’ risk-taking behaviour, which is also one of the major concerns of our study. Chapter 3 examines bank performance in terms of technical efficiency with particular attention to the impact of bank ownership and risk-taking behaviour and addressing environmental effects on banks technical efficiency in the CISs. Our findings provide empirical evidence that ownership structure matters for the CIS banks efficiency. Using state-owned banks as a benchmark we found that while private banks are less technically efficient than state-owned banks in the CIS countries as well as banks with foreign majority ownership, the CIS-owned banks are more efficient than other banks in the region. Risks-taking behaviour has different impact on performance in the CIS countries. This research has found positive association between capital, credit and market risk and performance, while negative association between liquidity risks and bank performance in the CISs. Chapter 4 examines cost and profit efficiency incorporating important variables, which are considered critical for differences in efficiency, as in Chapter 3. We include ownership type, risk-taking behaviour and different environmental factors to estimate reliable cost and profit efficiency measures. Different concepts of efficiency introduced in this study extend our analysis of bank efficiency, and offer a comprehensive study of the CIS banks performance. We found that privately owned banks are less cost efficient than state-owned banks. Although foreign banks are more profitable than state-owned banks, they are as cost efficient as state-owned banks. The CIS-owned foreign banks are less cost efficient than other banks in the CIS countries. There are different impacts of risk-taking behaviour on bank cost and profit efficiency in the CIS countries. Banks with lower capital risk are more cost efficient. Higher credit risk taking is associated with lower profitability of banks. While banks with lower liquidity risk are more profit efficient, they are less cost efficient. Higher market risk is associated with less cost efficiency. Finally, there is a convergence in cost and profit efficiency scores of banks across the CIS countries indicating a process of re-integration among CIS financial systems. Chapter 5 explores the impact of competition on the stability of banks in the CIS countries. We found that competition is good for stability and verified the competition-stability nexus for the CIS countries. This study also concluded that the improvement of legal rights of borrowers and lenders and bank supervision in the CISs would contribute to banking system stability. Our concluding policy recommendation is that policymakers need to design regulations that would ensure stability and market discipline without impeding competition and efficiency of banks in the CISs.
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Adeleke, Cecily Joy. "Corporate Social Responsibility in the Nigerian Banking Sector." ScholarWorks, 2014. https://scholarworks.waldenu.edu/dissertations/85.
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Corporate social responsibility is presently defined by the World Business Council of Sustainable Development as persistent commitment by businesses to behave ethically and contribute to economic development while also increasing the quality of life of employees, their families, and the community. Guided by Freeman's stakeholder theory, this study examined the relationship between corporate social responsibility and the Nigerian bankers' reported satisfaction with the Nigerian banking sector. Survey data were collected from a convenience sample of 99 Nigerian bankers, including branch managers, zonal managers, tellers, marketers, and investors. A single-stage sampling procedure was used to elicit their satisfaction with the Nigerian banking sector and their perceptions of corporate social responsibility. Corporate social responsibility was conceptualized as a composite variable, with dependent sub-variables of ethics, human rights, and employee rights. A Pearson's r correlation test indicated a significant relationship between corporate social responsibility and Nigerian banker satisfaction (p < .05). These findings suggest that a majority of Nigerian bankers are satisfied with the banking sector which they feel, overall, behaves in a socially responsible way, although they also noted concerns related to insider abuse and a lack of transparency among internal processes. Implications for positive social change include informing policy makers and regulatory agencies in Nigeria about changes to public policy and the regulatory banking environment about risks associated with insider abuse and other internal processes in the banking industry that may damage efforts to improve corporate social responsibility with the goal of enhancing economic development in Nigeria.
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Piga, Enrico <1992>. "Home Bias: PLS PM application on banking sector." Master's Degree Thesis, Università Ca' Foscari Venezia, 2017. http://hdl.handle.net/10579/11553.
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This thesis aims to analyse banking sector in north-east of Italy, more precisely Cooperative Credit Banks connected with the phenomenon of Home Bias. In literature, many studies detected different causes of home bias both from a client and bank point of view, namely geographical factors related to widespread presence in small territories, cognitive errors in portfolio asset allocation caused by low diversification, political factors and costs in international financial markets. The thesis accompanies theoretical concepts with a quantitative analysis on a real dataset on which the application of Structural Equation Models, in the specific Partial Least Squared with different approaches. Furthermore, in light of heterogeneity in the dataset, we try to implement previous models in order to be in line with theory, obtaining homogeneous classes. Finally, mediating effect are considered and quantified as source deviation of relationships inside estimated model. The thesis is organised as follow. Chapter I introduces the basic concepts of Asset Allocation linked to home basis and ending with literature of possible causes. Chapter II describes banking sector and regulation in Italy. Introduction of PLS PM approach is exposed in Chapter III. Chapter IV contains the analysis of the dataset with descriptive statistics. In Chapter V PLS PM approach is applied on dataset. Heterogeneity in the dataset and the use of REBUS PLS to detect homogeneous classes are presented in Chapter VI. Chapter VII focuses on detecting possible moderating effects in PLS PM estimated on previous chapters. We conclude in Chapter VIII with comments on results and reflections.
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Nicoletti, Giulia <1994>. "The Chinese Banking Sector and the Fintech Revolution." Master's Degree Thesis, Università Ca' Foscari Venezia, 2018. http://hdl.handle.net/10579/14047.
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Il presente elaborato si focalizza su due tematiche principali: il settore bancario cinese e la cosiddetta fintech revolution. Lo scopo del lavoro è quello di, in primo luogo, analizzare i vari periodi di riforme che hanno caratterizzato il settore bancario cinese, partendo dal 1949 (anno di fondazione della Repubblica Popolare Cinese). Successivamente, si dà un’analisi dell’attuale sistema bancario, delle principali attività svolte dalle maggiori banche cinesi e dalle sfide e problematiche che il sistema è chiamato ad affrontare. In ultimo, si presenta il fenomeno della fintech revolution. Si presenteranno le origini del fenomeno, le forze che lo guidano e le maggiori attività svolte. Sarà dato spazio anche all’analisi dei maggiori players e soprattutto alle pratiche e alle regolamentazioni che lo caratterizzano. Scopo della seguente tesi è anche capire come le banche cinesi reagiscono a questo fenomeno e come cercano di regolamentarlo.
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Marostegan, Jacopo <1994>. "The reform of the Italian Cooperative banking sector." Master's Degree Thesis, Università Ca' Foscari Venezia, 2020. http://hdl.handle.net/10579/17261.
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The European Cooperative banking sector contributes to the heterogeneity of the banking sector. This research provides an initial overview of the cooperative principles and possible governance models through a qualitative and legislative approach on the one hand, and on the other it offers a quantitative analysis of several performance indicators. These indicators were calculated through the collection of the balance sheets for a period of four years.
The study then moves to the Italian Cooperative banking sector, which is characterized by a high portion of NPLs and credit insolvency, due to macroeconomic effects that have been persistent in the Italian economy. Hence an analysis of a sample of cooperative banks is provided, through a descriptive analysis of selected variables and by means of possible effects on bank lending behaviour.
Finally, the reform of the cooperative banking sector is illustrated, along with the possible effects on the new implemented system, in the light of the COVID-19 pandemic.
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Burden, Kevin. "Zen and the art of banking : a critical review of the Chinese banking sector." Thesis, Stellenbosch : University of Stellenbosch, 2006. http://hdl.handle.net/10019.1/2669.
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Thesis (MA (Political Science. International Studies))--University of Stellenbosch, 2006.This study examines, broadly put, why the banking sector in China has not performed as well as other sectors of the economy when compared to international competitors, given that the economy as a whole has been performing so exceptionally at the time of writing and has been for the past two decades. The investigation examines reforms over the past twenty-six years to provide background to the issue as well as taking a view on the Chinese accession to the World Trade Organisation in 2001, providing analysis as to the effects of this accession as well as viewing the undertakings China has made, in general and specific to the banking sector, in terms of World Trade Organisation membership. The methodology employed is descriptive and explanatory in nature and information is sourced from existing academic writing as well as from banking industry publications and research. The source of information for the study is mainly of a qualitative nature, including historical and historical comparative information. Furthermore, the research forms applied research in that it seeks to bring together previous basic and exploratory research in order to identify specific problems and present potential solutions. Findings in the research include the burdensome effects of state-owned enterprises on the banking sector’s largest constituents, problematic aspects of endemic non-performing loans and a culture of lapsing debt in China as well as problems regarding political interference in the banking sector by the state and local authorities. Further problems identified include reporting and supervisory concerns, taxation treatment problems and a lack of risk-based commercial lending criteria in big Chinese banks. Analysis is provided into the effect of current and past restrictions in the sector, the development and reform model China is using to globalise its banks and the 2005 investment surge into China’s bank. Recommendations are made regarding the foreign ownership of the Chinese banking sector, state recognition of bad-debts as state loans, debt-management through asset management companies and reform of the state-owned enterprises and the problems inherent to this initiative. Finally, recommendations as to the role of the regulator and the challenge of political will are highlighted.
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Bhandani, Abhay kumar. "Select study of mobile service adoption in Indian telecom sector." Thesis, IIT Delhi, 2016. http://localhost:8080/iit/handle/2074/7071.
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Al-Faidi, Al-Juhani Mohammed H. "Strategic Information Systems Planning (SISP) in the banking sector: An Investigation of Strategic Information Systems Planning (SISP) in the Saudi Banking Sector." Thesis, University of Bradford, 2011. http://hdl.handle.net/10454/17372.
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The improvement of SISP practices has rapidly become one of the most critical issues facing many organisations, including banks. Globally, the banking sectors, including the Saudi one, have developed and implemented many IS strategies. Several systems have been executed to support the countries’ economies which have benefited from the increased trading resulting from the greater flexibility in time and costs associated with banking transactions. To continue these achievements and to improve SISP processes, several factors require careful investigation based on their relationship to SISP success; which include SISP objectives, SISP internal factors, external consultant functions, SISP external factors, measurements of SISP success, key stakeholders’ roles, and triggers. Therefore this study investigates the impact of these factors on SISP success. Data were collected in three phases. Phase 1 was an initial study with one or two interviews with the IT directors of each bank in the Saudi banking sector comprising the central bank and 11 commercial banks. The outcomes informed the development of a survey that was used in Phase 2; to investigate a sample containing a central bank, a domestic commercial bank and a domestic-foreign commercial bank to determine their SISP processes. 157 completed questionnaires were returned from the bank executives, business and IT directors and consultants. In Phase 3, 57 interviews confirmed and explained the quantitative results from Phase 2. Therefore, an in-depth case study was made in the three banks during Phases 2 and 3. The research results support previous findings on the SISP’s seventeen objectives collected by several researchers across different industries and in various countries. Furthermore, the research condenses these seventeen objectives into five more practical and achievable objectives for the banking sector. These are: 1) planning and deployment of information systems; 2) leading organisation changes; 3) improving stakeholders’ involvement and communication; 4) achieving the strategic priorities; and 5) alignment of organisational policies and architecture for business and IS. In addition, the findings identify the factors according to their relationship with SISP success and therefore explore several elements with positive, negative or no impact on SISP success in the banking sector. The thesis presents conclusions and suggests areas for further research.
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Srinivas, Nidhi. "Crafting consensus in the third world : strategy formation in the third sector." Thesis, McGill University, 2001. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=38419.
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There has during a rapid growth of third sector organizations (TSOs) in the third world during the 1990s. Such growth has occurred during a period of severe cutbacks in state investment as well as rapid globalization of trade. Social activists have often organized TSOs in these countries as an alternative to private and public organizations. However the question of how leaders and managers of these TSOs sustain their activities remains important. Their dilemma of help is the focus of this study.Through a study of strategy formation in three third sector organizations in the third world, this study focuses on how TSOs can be sustainable yet effective change agents. It develops a typology of TSOs with particular attention to type of third sector activity (operating, support, community), type of organizational form (Grassroots initiatives, Grassroots Organizations, Grassroots Federations, Development Support Organizations and International Development Support Organizations) and dominant strategy approach (domain, distinctiveness, and design). This study argues that attention to these three aspects needs to be complemented by exploring the processes through which strategies form in these organizations.
Accordingly the strategy process in three TSOs in South India was examined, in particular the origin of the strategy, tactics of consensus, and interests of participants. Examining the strategy process in TSOs revealed that strategies originated in intent or event, promoters' consensus-tactics were conceived or improvised and participant's interests were fixed or shifting.
These findings on strategy process show varied origins, interests and consensus tactics in TSOs. They also seem to be associated with particular capacities in these organizations to perform their chosen activities, as well as with changes in mission. The study concludes with a discussion of the significance of these findings and a call for bridging the literatures on good management and effective social change, for further researching capacity building in TSOs, and encouraging initiatives for cross sector learning.
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Hans, Christina. "Systemic risk in the banking sector: a network perspective." Doctoral thesis, Universitat Pompeu Fabra, 2017. http://hdl.handle.net/10803/420878.
Full textAbstract:
This thesis investigates various aspects of systemic risk in nancial networks. Chapter
1 explores the existence of a contagion channel to security returns given that banks are
connected via overlapping portfolios. Making use of a proprietary dataset on securities
held by German banks, I identify the network induced through cross holdings and
nd higher correlations among the returns on securities held by connected banks. This
contagion channel to security returns is stronger for banks which are large, highly leveraged
and highly interconnected and especially at work during the recent nancial crisis.
Chapter 2 establishes a model for bank credit risk interconnectedness based on CDS
data, in which defaults can be triggered by systematic global and country shocks as well
as idiosyncratic bank-speci c shocks. Applying the framework to a sample of large European
nancial institutions reveals that the credit risk network captures a substantial
amount of dependence in addition to what is explained by systematic factors. Chapter
3 analyzes the relation between market-based bank credit risk interconnectedness and
the associated balance sheet linkages via funding and securities holdings. Results suggest that market-based measures of interdependence can serve well as risk monitoring tools in the absence of disaggregated high-frequency bank fundamental data.Aquesta tesi investiga diversos aspectes del risc sistèmic en xarxes fi nanceres. El Capítol 1 explora l'existència d'un canal de contagi als rendiments dels actius ates que els bancs estan connectats per portafolis superposats. Fent ús d'una base de dades d'actius financers de bancs Alemanys, identi fico la xarxa induida a través de participacions creuades i trobo correlacions altes entre els rendiments d'actius en poder de bancs connectats. Aquest canal de contagi a rendiments d'actius és més fort per bancs que són més grans, altament endeutats i altament interconnectats, i es va intensifi car durant la recent crisi fi nancera. El Capíol 2 estableix un model d'interconectivitat de risc de crèdit bancari basat en dades del CDS, en el que l'impagament pot ser causat per shocks sistèmics locals o globals o per shocks específi cs dels bancs. Aplicant aquest marc de referència a una mostra d'institucions fi nanceres europees grans, es revela que el risc de crèdit de xarxa captura una part substancial de la dependència,a més del que és explicat per factors sistèmics. El Capítol 3 analitza la relació entre l'interconectivitat del risc de crèdit bancari de mercat i les connexions de balanç de situació associades via finançament i tinences de valors. Els resultats suggereixen que les mesures d'interdependència basades en el mercat serveixen bé com a eines de monitorització del risc en absència de dades bancàries fonamentals.
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Sio, Ut Sim. "Economies of scale and scope in Macau's banking sector." Thesis, University of Macau, 2010. http://umaclib3.umac.mo/record=b2147730.
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Murrawat, Adnan, and Foroozan Nasershariati. "CRM system benefits : A case study of banking sector." Thesis, Mälardalens högskola, Akademin för hållbar samhälls- och teknikutveckling, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-13335.
Full textAbstract:
Seminar Date: 05-11-2011 Level: Master Thesis in Information Technology Management, 15ECTS Institution: School of Sustainable Development of Society and Technology, Malardalen University Authors: Adnan Murrawat Khan [amt1001] Foroozan Nasershariati [fni10002] Title: CRM system benefits, a case study of banking sector Supervisor: Dr Ole Liljefors Problem statement: Customer relationship management (CRM) systems have been adopted to have better relationships with customers by having detailed knowledge of their requirements through using different information technologies. Implementing CRM systems correctly can provide many of benefits both for the customers and to the business as well. Banks have large numbers of customers and to fulfill their customer requirements most banks have adopted CRM systems. This thesis tries to identify how CRM systems are helpful in the banking sector to get the benefits. Research Question: What are the benefits of implementing customer relationship management systems? Method: Research process used in this thesis is related to the realist approach . The study is structured by dividing the problem into different parts and then the relationship between them is analyzed. Both primary and secondary data collection have been used .The main method adopted to collect empirical data is open ended questionnaires. Secondary data have been collected by using the availability of Malardalen University online databases. Conclusion: Results showed that CRM system can provide a large benefit for a particular organization not only in attracting more and more customers but also in expanding business in related areas by successfully implementing CRM. To reap the benefits more care is required at the implementation stage and also by the realization of the fact that not all the benefits can be achieved at once. Keywords: CRM system, CRM successful implementation, CRM benefits, CRM customer benefits, CRM business benefits.
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Abel, Sanderson. "Measuring the performance of the banking sector in Zimbabwe." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/5110.
Full textAbstract:
The measurement of the banking sector performance in Zimbabwe is motivated by the unique developments that typified the sector during the period 2009-2014 after emerging from an economic crisis. The Zimbabwean economy returned to stability and growth in 2009, after a decade long economic decline. Economic stability brought about growth in deposits, loans, assets, capitalization and profits during this period. The banking sector has been accused of excessive profiteering through overpricing their products, which culminated in the intervention by the authorities in the sector. The interest rates spread, fees and other charges were presumed to be high which motivated the need to understand whether the banking sector is efficient or inefficient given the high interest rate spreads between the deposit rates and lending rates. Furthermore the high interest rates have raised the question of whether banks were exploiting their market power to price their products highly or whether their prices were determined by the dictates of market forces. Continued profitability of the sector also called for an investigation into what was driving the persistence of profitability over time. The primary objective of this research was to measure the performance of the banking sector during the period 2009-2014. The study contributes to the empirical literature by measuring and assessing the drivers of banking sector competition, efficiency and profitability and applying them at much disaggregated levels. This study also contributes to the debate on the relationships among the performance measures of competition, profitability and efficiency. The study adopted a number of methods which contributes to the array of tools central banks can employ to measure bank performance. The study employed a number of methodologies to measure the competition, efficiency and profitability performance of the banking sector. Competition was estimated using the new empirical industrial organisation methods of Panza and Rose (1987) and the Lerner (1934) Index was used. Cost and revenue efficiency was estimated using the two step methods of Data Envelopment Analysis followed by the Tobit regression method. An assessment of the persistence and drivers of profitability was measured using the Generalised Method of Moments. This study shows that the banking sector was operating under monopolistic competition market structure. This implies that banks held some market power as a result of product differentiation due to unique features such as brands, image and advertising, among others. The study indicates that competition increased during the period 2009-2014. Market power/competition in the banking sector during the study period was driven by capital adequacy, non-performing loans, liquidity risk, cost-income ratio, economic growth and government policy on pricing of bank products. The study suggests that the banking sector experienced an average inefficiency level of approximately 35 per cent in relationship with the best performing institutions in the sample. As a result of stability experienced in the economy, the average revenue and cost efficiency increased between 2009 and 2014. The study further established that the discord around the implementation of the indigenisation and empowerment law, coupled with the government intervention in the banking sector had a negative impact on the banking sector efficiency. It also found that efficiency is determined by market power, capital adequacy, cost income ratio, economic growth, inflation, market share and profitability. The Granger Causality test between cost efficiency and market power suggests that causality is bidirectional. On the other hand granger causality between revenue efficiency and market power is unidirectional and positive, running from revenue efficiency to market power. The result implies that policy measures should bring a balance between increasing competition and improving the revenue efficiency. The study shows that the banking sector was profitable during the period 2009 to 2014. The profitability was a reflection of a stable macroeconomic environment, typified by low inflation levels, despite the crises during this period. It further reveals that the banking sector‟s profitability persisted over time, reflecting the regulatory structure of the sector. The study established that profitability was determined by market power, non-performing loans, liquidity risk, capital adequacy, bank size and cost efficiency. This implies profitability was driven by bank specific determinants. There are a number of policy implications derived from the study. Regulatory measures such as forced consolidations can lead to excessive market power by the banking institution; hence it should be moderated. Banks should enhance credit risk because NPLs has been dragging profits. Banks should take advantage of the various measures introduced, such as the setting up of the special purpose vehicle and credit reference bureau. The government should avoid tampering with market forces as this reduces competition, efficiency and profitability and put in place measures that grow the economy as it increases the efficiency and profitability of the banking sector.
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Anani, Ajibola Plakunle. "Attracting and retaining customers in South Adrica's banking sector." Thesis, Nelson Mandela Metropolitan University, 2010. http://hdl.handle.net/10948/1532.
Full textAbstract:
The business environment and the economy of the society today are continuously witnessing the impact of globalisation. Telecommunication advancement and transportation has greatly made the impact of globalisation to be felt. Globalisation though argued to have its merits and its demerits have resulted in fierce competition amongst businesses. The banking industry is not isolated from these competitions. Any business wishing to survive and stay profitable in the recent world must be able to compete in the global economy. Hence, for any bank to sustain itself and remain profitable it must be able to withstand the competition in the environment it operates. To be able to compete in the banking industry means delivering better services to customers than competitors. This study presents how the South African banks can satisfy their customers and remain profitable in the face of competition. The South African banking industry consists of local and foreign banks and these banks compete for customers in the environment in which they are located. Increase in different branches by different banks has made the competition even fierce. In other to suggest recommendations for the South African banks to satisfy their customers and become profitable, the researcher identified some problem areas that need to be improved upon. These include customer loyalty, relationship banking and electronic banking. These variables were researched to understand how they affect the banks and the customers and where tested using both a qualitative and a quantitative analysis to ascertain if the customers were satisfied with the banks‟ approach of managing these variables. The results indicated that the customers were satisfied to a lesser extent. Any bank wishing to satisfy its customers and remain profitable in other to compete in the industry needs to satisfy the customer to a large extent. Therefore, recommendations where suggested based on the empirical results to help improve the banking industry‟s ways of attracting and retaining customers. The former will lead to customer satisfaction which again will lead to increased profitability.
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Wranik-Lohrenz, Dominique Wieslawa. "Reforms of the banking sector in Poland, 1989-1995." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1997. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp04/mq23553.pdf.
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Baltas, Konstantinos N. "Essays in Efficiency and Stability of the Banking Sector." Thesis, Queen Mary, University of London, 2014. http://qmro.qmul.ac.uk/xmlui/handle/123456789/7901.
Full textAbstract:
This thesis contributes via the concept of efficiency in four distinct fields of the fi nancial economics and banking literature: technological heterogeneity, liquidity creation, profitability, and stability of banks. In Chapter 1 we motivate the analysis by presenting the main developments that have been taking place in the banking sector as far as these four elds are concerned and highlight their importance to the appropriate functioning of the nancial system and of the economy overall. In Chapter 2 we address the issue that conventional surveys on bank efficiency draw conclusions based on the assumption that all banks in a sample use the same production technology. However, efficiency estimates can be severely distorted if the existence of unobserved differences in technological regimes is not taken into consideration. We estimate the unobserved heterogeneity in banking technologies using a latent class stochastic frontier model. In order to arrive at a policy implication that is valid across time and markets, we present two applications of the model using separately data from the UK and Greek banking sector over the periods 1987-2011 and 1993-2011 respectively. To increase the precision of our inferences, we adopt two distinct empirical methodologies: a panel data method and a pooled cross-section modelling strategy. Our results reveal that bank-heterogeneity in both banking sectors can be controlled for two technological regimes. We find a trade-o¤ between the level of sophistication within a fi nancial system and its level of aggregate efficiency. Consistency among the results is established under both methodologies. Further, we propose a methodology with regard to M&As activity of UK and Greek banks within a latent class context. We examine numerous potential M&A scenarios among banks that belong to different technological regimes, and we test whether there is a transition of the new banks to a more efficient technological class resulting from this M&A activity. We find strong evidence that new financial institutions can be better equipped to withstand potential adverse economic conditions. Finally, we cast doubt on what the true motivation for M&A activity is and we extract important policy inferences in terms of social welfare. In Chapter 3 we introduce the "Cost Efficiency - Liquidity Creation Hypothesis" (CELCH) according to which a rise in a bank s cost efficiency level increases its level of liquidity creation. By employing a novel stress test scenario under a PVAR methodology, we test the CELCH and the direction of causality among liquidity creation and cost efficiency variables in the UK and Greek banking sector. Moreover using new measures of liquidity creation (Berger and Bouwman, 2009) we address the question of whether potential M&As can enhance liquidity creation and create additional credit channels in the economy. We evaluate and compare the robustness of potential consolidation scenarios by employing half - life measures (Chortareas and Kapetanios 2013). We show a positive impact of cost efficiency on liquidity creation in line with CELCH. The empirical evidence further suggests that potential consolidation activity can enhance the ow of credit in the economy. Bank shocks seem to be the most persistent on both liquidity creation and cost efficiency and the UK banking system is found to withstand more effectively adverse economic conditions. Finally, we cast doubts on the strategy followed by policy authorities regarding the recent wave of M&As in the Greek banking sector. In Chapter 4, we attempt to shed light on the trade-o¤ between fi nancial stability and efficiency. We highlight that current tests of banking efficiency do not take into account whether banks managers are taking too much or too little risk relative to the value maximising amount. We assume that moving from an intermediary bank type balance sheet to an investment bank type not only changes the risk-return combination of the balance sheet but also increases the banks degree of instability, that is the probability of insolvency when adverse effects occur. To this extent, we propose a new efficiency measure which incorporates all the aforementioned ambiguous points. An empirical investigation of US commercial banks between 2003-2012 suggests that our proposed risk-adjusted index has superior explanatory power with respect to banks profi tability and gives better predictions compared to conventional banking efficiency measures. This holds after various robustness checks. Chapter 5 summarizes the main findings of all three distinct studies and concludes by highlighting the importance and the contributing points of the thesis in the banking and financial economics literature.