Academic literature on the topic 'Banks and banking, corrupt practices'
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Journal articles on the topic "Banks and banking, corrupt practices"
1
Bougatef, Khemaies. "How corruption affects loan portfolio quality in emerging markets?" Journal of Financial Crime 23, no. 4 (October 3, 2016): 769–85. http://dx.doi.org/10.1108/jfc-04-2015-0021.
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Purpose The purpose of this paper is to empirically investigate the impact of corruption on the asset quality of banks operating in emerging market economies over the period 2008-2012. This issue is of crucial importance given the role of banking systems in economic development and the worldwide spread of corruption. Using panel data set of 22 countries, our findings provide a strong and robust support to the hypothesis according to which corruption aggravates the problem with non-performing loans. This evidence suggests that corruption may hinder economic development through the misallocation of loanable funds. Other results are as follows: economic expansion and capitalization level improve the loan portfolio quality. By contrast, unemployment deteriorates the debt servicing capacity of borrower which in turn contributes to lower the bank asset quality. Design/methodology/approach The authors use panel data techniques on a sample of 22 emerging market economies over the period 2008-2012 to test the relevance of corrupt practices on the soundness of banks. Findings Their findings reveal a robust positive relationship between corruption and non-performing loans (NPLs). This evidence corroborates previous results on the detrimental effect of corrupt practices on financial development. The subdivision of our main sample into two groups on the basis of the level of corruption reveals the importance of the effectiveness of collateral and bankruptcy laws in reducing the effect of corruption on loan portfolio. Moreover, we find that the accessibility to more credit information is helpful only in low corrupt countries since it enhances the soundness of banks by facilitating lending decisions. Originality/value The novelty of this paper is to take into consideration the implications of corruption in investigating the determinants of credit risk.
2
Babajide, Abiola Ayopo, Adedoyin Isola Lawal, Lanre Olaolu Amodu, Abiola John Asaleye, Olabanji Olukayode Ewetan, Felicia Omowunmi Olokoyo, and Oluwatoyin Augustina Matthew. "Challenges of accountability in Nigeria: the role of deposit money bank." Journal of Money Laundering Control 23, no. 2 (April 6, 2020): 477–92. http://dx.doi.org/10.1108/jmlc-10-2019-0082.
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Purpose The unhealthy drive for deposit in the banking sector has pushed many banks into unethical practices, thereby resulting in high-level corruption cases in the banking sector. The purpose of this study is to investigate the short- and long-run linkages between bank net interest income and deposit liabilities interacted with corruption, to establish the influence of corruption in deposit mobilisation drive of banks in Nigeria. Also, the study analysed the causal relationship between selected bank variables and fraud. Design/methodology/approach The study used quarterly data on selected variables from 1Q 1993 to 4Q 2017 sourced from Nigerian Deposit Insurance Corporation (NDIC) annual reports and Central Bank of Nigeria (CBN) Statistical Bulletin of various issues. Deposit Money Bank various deposit liabilities are interacted with a corruption index and used as the independent variables, while bank earnings serve as the dependent variable. Error Correction Model (ECM) and Engel Granger approach to co-integration technique were used to analyse the data. Findings The findings reveal that various bank deposit liabilities interacted with corruption index has a negative effect on bank profitability in the long run, though only corrupt fixed deposit is statistically significant at the 5 per cent significance level. Bank total asset, total loan and advances and fraud have a significant effect on bank profitability at 1 and 10 per cent significance level. The findings also reveal that banks profit from corrupt fixed deposit and demand deposit in the short run. Social implications Text Originality/value The literature is awash with bank lending corruption and various institutional factors such as competition among banks, credit bureau and information sharing about borrowers, bank supervisory policies, loan loss provisioning, bank ownership structure and regulatory environment and anti-corruption measures. The aspect of deposit mobilisation and corruption has not been well researched in literature; this study, therefore, fills the gap in the literature by examining the extent deposit money banks contributed to corruption in Nigeria through their cutthroat deposit mobilisation drive.
3
Anyndita, Revina, Putri Salsadila, and Mohamad Djasuli. "Analisis Perbandingan GCG Pada Kinerja Keuangan Perbankan Syariah Dengan Perbankan Konvensional." Jurnal Ekonomi Manajemen dan Bisnis (JEMB) 1, no. 1 (January 9, 2023): 31–38. http://dx.doi.org/10.47233/jemb.v1i1.451.
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The implementation of Good Corporate Governance in banking is expected to affect banking performance, because the implementation of Good Corporate Governance can improve financial performance. After the issuance of the Indonesian Banking Regulation (PBI) Number 8/4/PBI/2006 which was later amended by Bank Indonesia Regulation Number 8/14/PBI/2006, it became clear how good and correct Good Corporate Governance practices are. All banking companies are competing to improve corporate image through their respective Good Corporate Governance Reports. It is certain that there are differences between the implementation of Good Corporate Governance between conventional banking and Islamic banking. Because seen from the banking goals are definitely different. The purpose of this study is to see whether there is a difference between the implementation of Good Corporate Governance in conventional banks and Islamic banking. And the result is that the implementation of Good Corporate Governance in the banking industry is actually the same, both conventional banks and Islamic banks because it has been regulated by Bank Indonesia. The implementation of Good Corporate Governance begins with a vision and mission of the company which is then adjusted to the applicable laws and regulations. Then there is an additional organizational structure for Islamic banks in the implementation of Good Corporate Governance with the formation of the Sharia Supervisory Board and the National Sharia Council. Both of them serve as special supervisors of Islamic banks. Apart from that, the difference lies in the corporate culture.
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Othman, Anwar Hasan Abdullah, Younes Soualhi, and Salina Kassim. "Do Islamic Banking Financial Instruments Achieve Equitable Income and Wealth Distribution?" Al Qasimia University Journal of Islamic Economics 1, no. 2 (December 3, 2021): 48–81. http://dx.doi.org/10.52747/aqujie.1.2.70.
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The study investigates empirically whether the current practices of Sharīʿah-based financing contracts namely, Murabahah, Musharakah, Mudarabah, Istisna, Bai Bithaman Ajil, Ijarah and other contracts in the Malaysian Islamic banking industry achieved equitable income and wealth distribution. To do so, the study applied the bounds test and ARDL model to investigate the relationship between Sharīʿah-based financing contracts and Malaysian GINI coefficient index over the period from 1Q 2014 to 1Q 2019. In analyzing the long- and short-run implications, it was found that the practice of such Sharīʿah-based financing contracts in the Islamic banking industry achieved equitable income and wealth distribution in Malaysia using Murabahah, Mudarabah, Istisna, Bai Bithaman Ajil, and other (i.e., forward Ijarah) financing contracts. On the other hand, the findings indicated that Musharakah and Ijarah-based financing contract practices did not achieve equitable income and wealth distribution in Malaysia. This may be because the current practices of both contracts which seem to be handled as debts instruments and designed to the benefit of the banking sector only. To improve the Islamic banks’ financing practices in Malaysia, the outcomes of the study suggest that bank operators should strengthen the weight of Sharīʿah-based profit and loss sharing financing contracts with small and mid-size enterprises (SMEs) instead of corporations. In other words, Islamic banks are able to achieve fair income and wealth distribution and uphold the concept of justice for all by gradually increasing Musharakah-based financing for SMEs that can potentially grow and create economic value. Further, to solve the problem of Ijarah contract practices, Islamic banks must take steps to enhance the requirements of Ijarah contracts, specifically ownership transformation, maintenance responsibility, default penalty, and the issue of legal treatment as well as bear the costs, risks and rewards related to the leasing asset instead of borne by the clint. The empirical findings of the study will provide valuable input for banks policymakers, particularly central banks, and Islamic bank management to evaluate the current practice of Islamic finance and proactively correct shortcomings to achieve equitable wealth distribution. This study is a pioneering investigation that empirically evaluates whether the current practices of Islamic banking financial instruments achieve the aims of the equitable financial system, and ensure that Islamic banks, as intermediaries, address the issue of inequality and attain equitable wealth distribution worldwide.
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Chaikovskyi, Yaroslav. "The development of bank lending to corporate clients in Ukraine in times of economic cycles." Herald of Ternopil National Economic University, no. 4 (86) (December 12, 2017): 72–87. http://dx.doi.org/10.35774/visnyk2017.04.072.
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The article considers bank lending to corporate clients in Ukraine overcoming the issues related to economic cycles. The dynamics of gross domestic product, total assets, and credit portfolios of Ukraine’s banks over the period between 2012 and 2016 is analyzed. The changes in the composition of bank loans to non-financial corporations are analyzed in terms of scheduled payments, forms of currencies, target allocation and economic activities. Additionally, the dynamics and composition of residents’ deposits mobilized by deposit-taking corporations are considered in terms of scheduled payments over the above period. The major factors that hinder the recovery of bank lending to corporate clients are identified. It is highlighted that the main obstacles to the development of banking lending to corporate clients in Ukraine in times of economic cycles are as follows: high interest rates; a significant percentage of unprofitable enterprises and loan arrears in bank loan portfolios; an increase of non-performing loans (NPL); the fact that banks, having sufficient liquidity for lending to economy-boosting projects, prefer to purchase government securities; corrupt practices of granting loans to affiliated companies (insider loans). The percentage of unprofitable enterprises in Ukraine in 2016 is determined and analyzed by type of economic activity. Based on the analysis performed, some assumptions are made about the trends of the development of bank lending to corporate clients in Ukraine and proposals on further harmonization of bank lending to corporate clients in times of economic cycles are set out.
6
Shakil, Mohammad Hassan, Nihal Mahmood, Mashiyat Tasnia, and Ziaul Haque Munim. "Do environmental, social and governance performance affect the financial performance of banks? A cross-country study of emerging market banks." Management of Environmental Quality: An International Journal 30, no. 6 (September 9, 2019): 1331–44. http://dx.doi.org/10.1108/meq-08-2018-0155.
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Purpose Earlier firms were evaluated mostly from their financial performance perspective, but with the increasing attention to sustainability goals, environmental, social and governance (ESG) performance of firms became key concerns to stakeholders. The purpose of this paper is to explore the effects of ESG performance of banks on their financial performance, in the context of emerging markets. Design/methodology/approach This study employs the generalised method of moments technique for estimation purpose due to the dynamic nature of the data and to correct for endogeneity. This study uses the ESG performance data of 93 emerging market banks from 2015 to 2018, available in Asset4 ESG database of Refinitiv, formerly known as Thompson Reuters. The accounting and financial data are collected from Refinitiv Datastream database. Findings The findings indicate a positive association of emerging market banks’ environmental and social performance with their financial performance, but governance performance does not influence financial performance. Originality/value While many studies exist on the association of ESG concerns of an organisation with their financial profitability, the literature on in the context of banking is still limited. To the best of the authors’ knowledge, this is the first study that examines the effect of ESG practices of banks on their financial performance in the context of emerging economies.
7
Miskun, Iksan, Kasmar, Taufik Firmanto, Ainun Wulandari, Masrin, Sahidah, and Nastion. "Implementation of Know Your Customer Principle in Banking Practices at Bank BNI 46 Bima Branch." Law and Justice 8, no. 2 (December 31, 2023): 153–64. http://dx.doi.org/10.23917/laj.v8i2.2135.
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Artikel ini merupakan penelitian hukum yang menganalisis penerapan prinsip mengenal nasabah (know your customer) dalam praktik perbankan, hal ini sangat penting dilakukan untuk dapat mengidentifikasi transaksi yang mencurigakan sejak dini, dan meminimalkan berbagai risiko, seperti risiko operasional, risiko hukum, risiko transaksi terkonsentrasi, dan risiko reputasi. Metode yang digunakan dalam penelitian ini adalah metode penelitian hukum empiris, dengan mengambil lokus di Bank BNI 46 Cabang Bima. Temuan baru yang ditemukan dari penelitian ini adalah pelanggaran terhadap prinsip kerahasiaan di mana bank diizinkan untuk mengetahui identitas nasabah terkait dengan profil dan karakter transaksi nasabah. Hasil dan pembahasan menunjukkan bahwa Bank BNI 46 Cabang Bima menerapkan Prinsip know your customer. Aturan Know Your Customer sebagaimana tercantum dalam PBI Nomor 3/10/PBI/2001 yang kemudian diubah oleh Bank Indonesia Mengenai Penerapan Prinsip dengan Peraturan Bank Indonesia Nomor 5/21/PBI/2003 Mengenai Perubahan Kedua atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Kenal Nasabah. Dalam menerapkan prinsip mengenal nasabah, bank dapat mencurigai transaksi yang diduga berasal dari hasil kejahatan, seperti penyelundupan uang, suap, tindak pidana korupsi, penyelundupan tenaga kerja, dan kejahatan perbankan. Selain itu, transaksi keuangan yang menyimpang dari profil, karakteristik, atau kebiasaan pola transaksi nasabah perusahaan juga patut dicurigai. Kesimpulannya, prinsip mengenal nasabah (know your customer principle) adalah salah satu prinsip penting dalam dunia perbankan dan keuangan, yang telah diimplementasikan oleh Bank BNI 46 Cabang Bima mengacu pada kebijakan dan prosedur yang diterapkan oleh lembaga keuangan untuk memastikan identitas dan karakteristik nasabah sebelum memberikan layanan keuangan kepada mereka. Namun, hal ini justru bertentangan dengan tradisi kerahasiaan antara bank dan nasabahnya, yang menjadi pilar utama membangun hubungan kepercayaan antara bank dan nasabahnya. This article is a legal research that analyzes the application of the principles get to know customers (know your customer ) in banking practice, this is very important to do to be able to identify transactions early suspicious, and minimize various risks, such as operational risk, legal risk, risk of concentrated transactions, and reputation risk. The method used in this research is an empirical legal research method, by taking the locus at BNI 46 Bima branch. novelty What is found from this research is a violation of the principle of confidentiality where the bank is allowed to know the identity of the customer related to the profile and the character of the Customer's transaction. The results and discussion show that BNI has 46 Bima branches apply Know Your Customer Principles. Know Your Customer Rules as set forth in PBI Number 3/10/PBI/2001 which was later amended by Bank Indonesia Concerning Application of Principles with Bank Indonesia Regulation Number 5/21/PBI/2003 Concerning the Second Amendment to Bank Indonesia Regulation Number 3/10/PBI/ 2001 concerning Application of Know Your Customer Principles . In implementing the principle of knowing your customer, banks can suspect transactions that are suspected of originating from the proceeds of crime, for example money smuggled, bribery, corruption crimes, labor smuggling, banking crimes. In addition, financial transactions that deviate from the profiles, characteristics or habits of the company's customer transaction patterns are also suspect. In conclusion, the principle of knowing your customer (know your customer principle) is one of the important principles in the world of banking and finance, which has been implemented by Bank BNI 46 Bima Branch referring to the policies and procedures implemented by financial institutions to ensure the correct identity and characteristics of their customers before provide financial services to them. However, this is precisely the opposite of the tradition of secrecy between the bank and its customers, which is the main pillar for building a trusting relationship between the bank and its customers.
8
Itmam, Shohibul. "AKTUALISASI BISNIS DAN PEMBIAYAAN BERLABEL SYARIAH." Equilibrium: Jurnal Ekonomi Syariah 7, no. 1 (May 22, 2019): 146. http://dx.doi.org/10.21043/equilibrium.v7i1.5237.
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<em>This paper describes a business and financing labeled sharia that is currently reaping controversy in its actualization. This business practice and financing labeled sharia is different from conventional banking or financial institutions. Sharia labeled business practices and financing were initially present as a choice and solution for Muslims who want to avoid the practice of banks or conventional financial institutions that use the ribawi system which can then be an option for other Muslims. The focus of the writing is to question the actualization and existence of sharia-labeled institutions whether they are correct in substance and reflect sharia. The results of the writing are that the implementation of sharia-labeled businesses such as sharia financial institutions (LKS) still exists in substance practices so that business stakeholders are obliged to be sharia-responsible to not only practice usury-free LKS but must also be free from elements of the Shariah like gambling, speculation and so on. Islam commands to stay away from these things because it is considered as doing wrongdoing or damage. Sharia-labeled businesses and financing that are not yet appropriate are demanded not only purely business which aims to make profits as high as high by putting aside the substance of sharia but also must have the principle of mashlahah for stakeholders. Sharia business and labeling in order to remain in sharia principles whose operations are a shared responsibility between managers and state institutions appointed to carry out sharia-labeled business and financing processes and procedures in the right and correct corridors and do not engineer sharia which is merely a figment of impersonation sharia.</em>
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Appah, Ebimobowei, Sekeme Felix Tebepah,, and Emmanuel Odinakachi Eburunobi,. "Green Banking Practices and Green Financing of Listed Deposit Money Banks in Nigeria." British Journal of Multidisciplinary and Advanced Studies 5, no. 1 (January 11, 2024): 41–73. http://dx.doi.org/10.37745/bjmas.2022.0394.
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This study examined the nexus between green banking practices and green financing sources of listed deposit money banks in Nigeria. The study anchored on the institutional theory and cross sectional survey research design was adopted with a population consisting of listed banks in Nigeria. The study used stratified random sampling of seven hundred and fifty (750) bank employees with questionnaire as the primary source of data collection from the respondents while only five hundred (500) were used for data analysis using univairate, bivariate and multivariate methods of data analysis. The results from the regression analysis disclosed that banks’ employee-related practices of green banking positively and significantly influence sources of green financing of deposit money banks in Nigeria; banks’ daily operations-related practices of green banking positively and significantly affect sources of green financing of deposit money banks in Nigeria; banks’ customers-related practices of green banking positively but significantly influence sources of green financing of deposit money banks in Nigeria; banks’ policy-related practices of green banking positively and significantly influence sources of green financing of deposit money banks in Nigeria and banks’ green investment related practices of green banking positively and significantly impact on sources of green financing of deposit money banks in Nigeria. Consequently, on the basis of the findings the study concluded that green banking practices positively influences the sources of green financing of deposit money banks in Nigeria. Therefore, the study recommends amongst others that banks’ in Nigeria should adopt contemporary banking practices that are ecofriendly as a means of enhancing the sources of green financing in Nigeria.
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Hoque, Nazamul, Md Masrurul Mowla, Mohammad Shahab Uddin, Abdullahil Mamun, and Mohammad Rahim Uddin. "Green Banking Practices in Bangladesh: A Critical Investigation." International Journal of Economics and Finance 11, no. 3 (February 15, 2019): 58. http://dx.doi.org/10.5539/ijef.v11n3p58.
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Green banking or sustainable banking is one of the issues of the concern of all stakeholders of the world. Following this concern, this study has investigated the status of green banking practices of the non-bank financial institutions (NBFIs) and commercial banks of Bangladesh. Analyzing the contents of annual reports as well as websites of banks and NBFIs, the study finds that 44 out of 57 banks and 13 out of 33 NBFIs, to a varying degree, have exposures in direct or indirect green financing. But only 45 banks and 25 NBFIs conducted environmental risk rating. Most of the banks and NBFIs practice green banking only in a limited scale and volume and disclose green banking information in a semi structured manner in both the annual reports and corporate websites. However, except one, all the 56 scheduled banks and all the 33 non-bank financial institutions (NBFIs) have their own green banking policy guidelines. They also have green office guide for conducting in-house green activities. The study finds that green banking disclosures in their annual reports exceed that in their websites. It is also found that both private commercial banks (PCBs), and foreign commercial banks (FCBs) have surpassed state-owned commercial banks (SCBs) and state-owned specialized development banks (SDBs) in terms of the green financing.
Dissertations / Theses on the topic "Banks and banking, corrupt practices"
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Alomran, Abdullah. "Electronic banking business practices and marketing." CSUSB ScholarWorks, 2002. https://scholarworks.lib.csusb.edu/etd-project/2068.
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The purpose of this study is to determine how banks and consumers are adapting to the Internet age; to understand the privacy, security and other issues involved with money transfers; to determine steps being taken to make e-banking adaptable to meeting the needs of the bank, customers, business and industry; to forecast e-banking potential; and to understand the role of marketing in the process.
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Neal, William R. (William Russell). "Characteristics of Texas Border and Non-Border Banks and a Comparison of their Lending Practices." Thesis, University of North Texas, 1994. https://digital.library.unt.edu/ark:/67531/metadc278075/.
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This thesis presents a comparison of the loan to deposit ratios of Texas banks along the Mexican border and banks located throughout the rest of the state. Mean characteristics of the two groups (i.e. border and non-border groups) are presented. A multivariate regression model is used to examine the extent to which various operating ratios of the banks and differing economic conditions of the communities in which the banks are located help explain the loan to deposit ratios of the banks involved in this study. The model incorporates data from 1984-1989. No evidence was found to refute the hypothesis that Texas border banks have a lower loan to deposit ratio than their non-border counterparts. The evidence points to a need for developmental capital, supplied by some form of development bank.
3
Ndzinge, Lerato. "Money laundering in Botswana : a model for prevention in the banking sector." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/925.
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Thesis (MBA (Business Management))-- University of Stellenbosch, 2009.ENGLISH ABSTRACT: Money laundering is becoming a significant risk to the banking industry. It brings with it negative results such as damage to the banking industry reputation, escalation of prices as money launderers end up having a lot of cash in their hands resulting in high inflation and innocent consumers suffering when they end up having to pay the high prices. This research report will provide the background on money laundering and how the banking industry in Botswana can improve on the controls they have in place to deal with it. As money laundering is a worldwide problem, the study will explore the controls put in place by countries internationally and regionally to discourage money launderers from benefiting from their laundered assets. The study will also do a detailed assessment and analysis of the money laundering controls used by the banks in Botswana and come up with conclusions and recommendations that can help the banks in the fight against money laundering.
AFRIKAANSE OPSOMMING: Geldwassery word ‘n aansienlike risiko vir die bankwese. Dit het negatiewe gevolge soos skade aan die reputasie van die bankwese en prysstygings omdat geldwassers uiteindelik baie kontant in die hand het, wat lei tot hoë inflasie. Onskuldige verbruikers ly daaronder omdat hulle dan die hoë pryse moet betaal. Hierdie navorsingsverslag gee die agtergrond van geldwassery en hoe die bankwese in Botswana verbeteringe kan aanbring aan die beheermaatreëls wat hulle in plek het om geldwassery te hanteer. Aangesien geldwassery ‘n wêreldwye probleem is, ondersoek die studie die beheermaatreëls wat lande internasionaal en in streke gebruik om die geldwassers te ontmoedig om voordeel te trek uit die bates wat hulle op daardie wyse verkry het. Die studie doen ook ‘n gedetailleerde beoordeling en ontleding van die maatreëls vir die beheer van geldwassery wat deur die banke in Botswana gebruik word en kom tot gevolgtrekkings en gee aanbevelings wat die banke kan help in die stryd teen geldwassery
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Malallah, Ammar A. "Evaluating leadership development and practices: an empirical study of the banking sector in Kuwait." Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4886.
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In recent years the important of leadership in the organization has become an area of
interest. Leadership has been noted to impact corporate culture, employee commitment
and response and the overall performance of the organization. Given the fact that
leadership is such an important part of organizational development and discourse,
effective methods for developing effective leadership in the organization are needed.
Without definitive methods for leadership development, organizations will not be able
to optimize the outcomes of leadership in the organization. Thus, there is a clear
impetus to delineate what works best in the context of leadership development.
This study used concurrent qualitative and quantitative research to understand better the
effect of cross-cultural influences on the leadership development programmes and
leadership practices development in a study population consisting of managers and
supervisors in the Kuwaiti banking industry. Although Kuwaiti organisations employ
many international employees and operate foreign subsidiaries, they have not created
leadership development programmes to improve cross-cultural leadership skills for
managers. As a result, Kuwaiti managers often rely on traditional transactional methods
and an authoritarian style of leadership that may be less effective with employees from
different nations and cultural backgrounds.
The qualitative phase of the research collected data from Kuwaiti bank managers
through interviews while the quantitative phase of the research collected data with
survey instrument. The quantitative phase of the study also tested the validity of a
conceptual model and hypotheses using structural equation modelling and regression
analysis. The research was guided by distributed leadership theory, which considers
leadership as a series of interactions between leader and follower with the follower
sometimes adopting an informal role as temporary leader. The theory also considers the
context in which the leader operates as a critical factor for motivating leadership
practise.
The testing and validation of the theoretical model in the study led to the acceptance of
a new 'Effective Cross Cultural Leadership' (ECL) model. This model describes the
relationship between the exogenous or independent variables of cultural differences,
training and development in traditional Kuwaiti leadership, cross cultural leadership
development programmes and international leadership practises with the endogenous or
dependent variables of leadership development programmes and leadership practises
development. The testing of the hypotheses of the study showed a statistically
significant relationship between the four independent variables and the two dependent
variables with exception of the relationship between the independent variable of
international leadership practises and the dependant variable of leadership programmes
development. The quantitative findings also indicated that demographic variables do not
have a moderating effect on the model.
The qualitative findings of the study determined that cultural differences between
employees and managers influence the managers' leadership behaviours and their
understanding of the type of leadership development programmes to improve their
cross-cultural leadership skills. Managers with greater experience or knowledge of
foreign cultures adopt more flexible leadership practises when leading international
teams. The qualitative findings also determined that front office managers are more
willing to use participative leadership styles in leadership practises, while back office
managers rely on authoritarian leadership styles focusing on tasks in their leadership
practises, indicating that the context influences leadership styles and practise.
The findings of the study including the development and validation of the Effective
Cross-Cultural Leadership (ECL) model contribute to the theoretical and practical
knowledge of cross-cultural leadership in Kuwait that can be extended to other Middle
Eastern nations. In addition, the study finding extends cross-cultural theory by
indicating that international influences both internal and external to the organisation
affect leadership styles despite national norms and preferences. These findings implied
that Kuwaiti organisations experience significant pressure to adopt some international
leadership practises and styles to accommodate the expectations and needs of the many
international workers employed in Kuwait. The practical implication of these findings
showed that Kuwaiti managers would benefit from leadership training emphasising that
no standard or correct approach to leadership exists and that it can be acceptable for
leaders to use participative styles when warranted by the situation.
5
Malallah, Ammar Abdulnabi. "Evaluating leadership development and practices : an empirical study of the banking sector in Kuwait." Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4886.
Full textAbstract:
In recent years the important of leadership in the organization has become an area of interest. Leadership has been noted to impact corporate culture, employee commitment and response and the overall performance of the organization. Given the fact that leadership is such an important part of organizational development and discourse, effective methods for developing effective leadership in the organization are needed. Without definitive methods for leadership development, organizations will not be able to optimize the outcomes of leadership in the organization. Thus, there is a clear impetus to delineate what works best in the context of leadership development. This study used concurrent qualitative and quantitative research to understand better the effect of cross-cultural influences on the leadership development programmes and leadership practices development in a study population consisting of managers and supervisors in the Kuwaiti banking industry. Although Kuwaiti organisations employ many international employees and operate foreign subsidiaries, they have not created leadership development programmes to improve cross-cultural leadership skills for managers. As a result, Kuwaiti managers often rely on traditional transactional methods and an authoritarian style of leadership that may be less effective with employees from different nations and cultural backgrounds. The qualitative phase of the research collected data from Kuwaiti bank managers through interviews while the quantitative phase of the research collected data with survey instrument. The quantitative phase of the study also tested the validity of a conceptual model and hypotheses using structural equation modelling and regression analysis. The research was guided by distributed leadership theory, which considers leadership as a series of interactions between leader and follower with the follower sometimes adopting an informal role as temporary leader. The theory also considers the context in which the leader operates as a critical factor for motivating leadership practise. The testing and validation of the theoretical model in the study led to the acceptance of a new 'Effective Cross Cultural Leadership' (ECL) model. This model describes the relationship between the exogenous or independent variables of cultural differences, training and development in traditional Kuwaiti leadership, cross cultural leadership development programmes and international leadership practises with the endogenous or dependent variables of leadership development programmes and leadership practises development. The testing of the hypotheses of the study showed a statistically significant relationship between the four independent variables and the two dependent variables with exception of the relationship between the independent variable of international leadership practises and the dependant variable of leadership programmes development. The quantitative findings also indicated that demographic variables do not have a moderating effect on the model. The qualitative findings of the study determined that cultural differences between employees and managers influence the managers' leadership behaviours and their understanding of the type of leadership development programmes to improve their cross-cultural leadership skills. Managers with greater experience or knowledge of foreign cultures adopt more flexible leadership practises when leading international teams. The qualitative findings also determined that front office managers are more willing to use participative leadership styles in leadership practises, while back office managers rely on authoritarian leadership styles focusing on tasks in their leadership practises, indicating that the context influences leadership styles and practise. The findings of the study including the development and validation of the Effective Cross-Cultural Leadership (ECL) model contribute to the theoretical and practical knowledge of cross-cultural leadership in Kuwait that can be extended to other Middle Eastern nations. In addition, the study finding extends cross-cultural theory by indicating that international influences both internal and external to the organisation affect leadership styles despite national norms and preferences. These findings implied that Kuwaiti organisations experience significant pressure to adopt some international leadership practises and styles to accommodate the expectations and needs of the many international workers employed in Kuwait. The practical implication of these findings showed that Kuwaiti managers would benefit from leadership training emphasising that no standard or correct approach to leadership exists and that it can be acceptable for leaders to use participative styles when warranted by the situation.
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Diete-Spiff, Josephine Aruoriwo. "Determining Sustainable Strategies for Directors of Microfinance Banks in Nigeria." ScholarWorks, 2015. https://scholarworks.waldenu.edu/dissertations/1779.
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The Nigerian microfinance banks often close their offices abruptly, leading to the loss of shareholders' funds. The purpose of this phenomenological study was to explore strategies microfinance bank directors use to maintain business sustainability. The concepts of microfinance banking, sustainability value, and strategic management theory formed the conceptual framework for this study. Twenty managing directors from microfinance banks in the Anambra state of Nigeria participated in semistructured interviews. The data analysis process involved the use of Moussakas' modified van Kaam process, which resulted in the emergence of 3 themes: strategic management, fear of microlending, and maintaining sustainability. The emergent themes indicated the necessity of a strategic management focus on maintenance of sustainability, growth in microfinance banking knowledge, best practice implementations, savings mobilization, technological input, and expansion of microlending services. The implications for positive social change involved the potential for bank directors to apply these findings to improve Nigerian microfinance banking performance and provide regular payments of shareholders' dividends. The increase in shareholders' funds and provision of credit administration to indigent Nigerians may contribute to economic growth within local communities, decrease crime, and increase income generating business activities in Nigeria.
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Kingsley, Leilarna Elizabeth. "Language policy in multilingual workplaces : management, practices and beliefs in banks in Luxembourg : a thesis submitted to the Victoria University of Wellington in fulfilment of the requirements for the degree of Doctor of Philosophy in Linguistics /." ResearchArchive@Victoria e-thesis, 2010. http://hdl.handle.net/10063/1298.
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Klöckner, Oliver. "Buy-outs in Family Businesses changes in corporate governance, instruments of managerial control, and financial practices /." Wiesbaden Gabler, 2009. http://d-nb.info/99270572X/04.
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Maphakisa, Motaboli David. "Effectiveness of ABSA business bank's customer relationship management practices in maintaining loyalty among customers in the Eastern Cape province." Thesis, Bloemfontein: Central University of Technology, Free State, 2014. http://hdl.handle.net/11462/273.
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Thesis (M. Tech. (Business Administration )) - Central University of Technology, Free State,Traditionally, commercial banking in South Africa has been dominated by the big four namely Amalgamated Banks of South Africa (ABSA), First National Bank (FNB), Nedbank, and Standard Bank. Although still dominated by the big four, other smaller banks such as Capitec and African Bank have made inroads into retail banking. This situation arose due to liberalization of the financial services sector since democratisation in South Africa in 1994 which has paved the way for proliferation of the banking industry. This has in turn led to intense competition among banks for customers. Banks in South Africa therefore have the uphill task of retaining their existing customers whilst acquiring newer ones. As a result, South African banks are being compelled to become more customer focused/ oriented. Meanwhile, a key component of most initiatives to become more customer-oriented is the successful implementation of customer relationship management (CRM). A compelling view of CRM is that organisations generate a great deal of data about customers that they can use to build customer profiles in order to serve them better. South African banks therefore need to adopt and implement innovative CRM strategies to maintain a competitive edge in the marketplace. Most banks have a section that only deals with business clients. This is referred to in banking parlance as Business Banking. One of the critical elements of Business Banking is the high level of relationship banking – a service designed to meet the financial needs of clients through the development of a long-term relationship. This type of service delivery is unique and expensive compared to the traditional retail bank delivery system. As a result, the bank must be in position to monitor the profitability of each relationship to ensure that the right clients are serviced in the right way and are meeting the required value proposition. Therefore, if the South African banks in general need to adopt and implement effective CRM strategies, then the need is even greater for the Business Banking section in order to survive in the marketplace. Absa Business bank went through an operating model change in 2011 which necessitated some structural changes including changes in its CRM practices. Mindful of the value of retaining existing customers and attracting new ones, Absa would want to know whether its current CRM practices are effective in ensuring that customers become more loyal to Absa business bank. In general terms, this study investigated the concept of CRM and its influence on customer loyalty and retention. Specifically, the study investigated Absa Business Bank’s CRM practices in relation to customer loyalty and retention using primary data from employees, management, and customers from the Eastern Cape Region in South Africa. The results of the study are very revealing. Among others, the study shows that bank staff commitment to offering excellent service; building trust with customers; communicating with customers in a timely manner; and proactive conflict handling are important for bank image, customer word-of-mouth behaviour towards the bank and these ultimately influence bank customer retention and loyalty. On the basis of evidence from the study it is safe to conclude that customer loyalty can be attributed to CRM and more specifically those aimed at building trust, demonstrating commitment to service, communicating with customers in a timely, reliable and proactive fashion, and handling conflict efficiently. This report contains the major findings of the study alongside recommendations for practice and further research.
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Poungklin, Eakachai. "Practices to improve customer adoption of Internet banking in Thailand." 2004. http://arrow.unisa.edu.au:8081/1959.8/81740.
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Overall this thesis is concerned with the implementation and development of Internet banking in Thailand. Paper 1 is a literature review. It examines the development of Internet banking, world-wide rationale for the use of Internet banking, Internet banking in Thailand and the driving factors which influence banks to adopt Internet banking. The results of this study are beneficial to understanding why many banks in the world are starting to use Internet banking as a marketing tool for increasing competitive advantage over their rivals.Paper 2 represents a survey of Thai banking customers and their interest or non-interest in using Internet banking. A number of hypotheses are developed and tested in this survey. The survey encompassed 485 persons, of whom 400 responded, throughout Thailand and attempted to assess and measure their attitudes towards Internet banking. Findings indicate that Internet banking is currently the least popular form of banking in Thailand (after ATM and branch banking). However, the younger group of customers, those aged between 18-30, ranked Internet branch banking first on their list of choices as the most desirable form of banking services. The results of this study are beneficial to the Thai banking sector in terms of providing a detailed understanding of customers' preferences for Internet banking. In addition, banks can apply this information to develop strategic plans focusing primarily on identified target groups, thereby providing better products and services.
Paper 3 develops a conceptual framework utilizing the results discussed in paper 2, to recommend to Thai banks appropriate promotional and servicing activities to encourage the development of Internet banking in Thailand. It includes a range of recommendations, over three specific time periods: short term, identified as up to 1.5 years, medium term specified as 1.5-3 years, and long term, identified as more than 3 years. Essentially, the recommended approach to Internet banking in Thailand concentrates on a developmental approach over these three periods. As defined by the results obtained in the survey discussed in paper 2, it is clear that Thai banks should consider younger, higher education level customers as potential customers. In addition, this paper also recommends how to use strategies for developing Internet banking but this should not be done to the exclusion of older, lower education level and lower income level customers.
Thesis (DBA(DBusinessAdministration))--University of South Australia, 2004
Books on the topic "Banks and banking, corrupt practices"
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Vickers, Raymond B. Panic in paradise: Florida's banking crash of 1926. Tuscaloosa: University of Alabama Press, 1994.
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Carswell, Simon. Something rotten: Irish banking scandals. Dublin: Gill & Macmillan, 2006.
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An Irish banking manifesto: The views of a disenchanted former banker. Dublin, Ireland: The Liffey Press Ltd, 2015.
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Olojo, Akin. Curbing fraud within the banking system: A banker's perspective. Ikeja, Lagos: Bolabay Publications, 2006.
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Cacho, Jesús. La estafa: Ibercorp y el fin de una era. Madrid: Ediciones Temas de Hoy, 1992.
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Clavileño, Hugo. La nueva esclavitud: Pelotazo por sistema. [Spain]: Incipit Editores, 1995.
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Alarcón, Edgar Ruiz Díaz. Ingeniería delictiva: Robo, fraude y mafia en bancos. Asunción, Paraguay: Grupo Editora Internacional, 1995.
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Clough, Bryan. Beware of your bank: The book that ensures fair treatment for all. Hove: Hideaway, 1995.
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Murano, Adrián. Banqueros: Los dueños del poder. Buenos Aires: Grupo Editorial Norma, 2004.
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Ājijula, Haka Saiẏada, ed. Dhanikagoshṭhīra luṭapāṭera kāhinī. Ḍhākā: Sūcanā, 1987.
Find full textBook chapters on the topic "Banks and banking, corrupt practices"
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Chorafas, Dimitris N. "Banking Practices and the Evolution of Trading Rules." In Banks, Bankers, and Bankruptcies under Crisis, 43–64. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137436993_3.
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Scannella, Enzo, and Salvatore Polizzi. "Credit Risk Disclosure Practices in the Annual Financial Reporting of Large Italian Banks." In Palgrave Macmillan Studies in Banking and Financial Institutions, 245–92. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-16295-5_10.
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Kulshrestha, Vartika, Sudhansu Sekhar Nanda, M. R. Vanithamani, and K. Kavithad. "Evaluating Green Banking Practices: An Analysis of Indian Banks' Environmental Responsibility Disclosures." In Emerging Trends in Smart Societies, 406–9. London: Routledge, 2024. http://dx.doi.org/10.4324/9781003489412-97.
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Polizzi, Salvatore. "Derivative Disclosure Practices in the European Banking System: A Qualitative Analysis of Globally Systemically Important Banks." In Risk Disclosure in the European Banking Industry, 67–97. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-93967-0_3.
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Balmas, Paolo, and Sabine Dörry. "The Geoeconomics of Chinese Bank Expansion into the European Union." In The Political Economy of Geoeconomics: Europe in a Changing World, 161–85. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-01968-5_7.
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AbstractWe apply the concept of geoeconomics to the example of Chinese state-owned commercial banks based in Luxembourg and their financial activities in the European Union. The case study links the uneven relationship between China and Luxembourg to the field of international finance via large Chinese state-owned banks as important but analytically neglected actors. In doing so, we analyze how economic resources are used by, through and between nation states in the pursuit of their strategic goals. Starting from the observation that Chinese banking networks primarily provide a platform for the implementation of direct investments by Chinese companies, we identify important mechanisms and practices of Chinese banks, their anchoring in Luxembourg and the limited fulfilment of Western policy makers’ expectations from the presence of the Chinese banks in Luxembourg. Furthermore, we analyze instruments and strategies that define important aspects and dimensions of the concept of geoeconomics and complement them with the agency attributed to Chinese banks. An interesting paradox emerges from our analysis: while the geoeconomic power of Chinese banks’ activities is limited by the strict adherence to Chinese state development guidelines, the new organization of the Chinese banking networks in the EU suggests that they will be able to exercise their geoeconomic power in the future; with corresponding implications for local economies and economic development in Europe.
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Sateesh Kumar, T. K., and R. Vijaya Kumar. "Green Banking Practices: An Investigation into the Perception of Employees of PSUs and Private Banks in Bangalore." In Technical and Vocational Education and Training: Issues, Concerns and Prospects, 287–98. Singapore: Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-99-7798-7_24.
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Curry, Helen Anne. "Data, Duplication, and Decentralisation: Gene Bank Management in the 1980s and 1990s." In Towards Responsible Plant Data Linkage: Data Challenges for Agricultural Research and Development, 163–82. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-13276-6_9.
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AbstractIn the 1970s, the number of accessions held in national and international seed and gene banks increased steadily. This growth, initially a source of pride, was recognised as a liability by the 1980s. Too many accessions lacked the basic information necessary for researchers to access and use samples knowledgably. Many gene banks came under scrutiny for poor management practices and several found themselves accused of mishandling a ‘global patrimony’ entrusted to their care. In this paper, I explore one response to these concerns that attracted attention from many in the germplasm conservation community: creating linked, standardised databases of collections. Calls for more and better data about accessions often emphasised that these data would make collections easier to use and therefore more valued. Here I take a close look at the early history of data collation and standardisation as a means of ‘rationalising’ collections, a motivation that was not advertised as prominently. This historical example shows the infrastructures developed to facilitate data exchange in the context of seed and gene banking to have been tied up with both mundane imperatives to cut costs and lofty goals of building political bridges—in addition to the often-repeated ambition of making plant breeding more efficient.
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Yakubu, Ibrahim Nandom, Alhassan Bunyaminu, and Alhassan Musah. "Examining the Link Between Corruption and Bank Credit." In Concepts and Cases of Illicit Finance, 126–44. IGI Global, 2023. http://dx.doi.org/10.4018/978-1-6684-8587-3.ch008.
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This research examines the influence of corruption on the expansion of bank credit in Sub-Saharan Africa from 2000 to 2017. By utilizing the generalized method of moments (GMM) technique, the investigation reveals a significant positive correlation between corruption and bank credit. Additionally, the findings indicate that while stability in the banking sector leads to a decrease in bank credit, economic growth and inflation contribute significantly to the growth of bank credit. Based on these results, the study offers essential recommendations to foster integrity and responsible lending practices in the banking sector. It proposes that banks establish robust whistleblowing procedures, encouraging employees to promptly report any instances of corrupt transactions associated with credit advancement. Through the cultivation of a transparent and accountable culture, banks can effectively address and mitigate the adverse impacts of corruption on credit growth. Furthermore, the research advocates for the enforcement of strict non-price constraints to regulate lending practices.
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"Foreign Corrupt Practices Act: Antibribery Provisions." In Investment Banking and Investment Opportunities in China, 383–89. Hoboken, NJ, USA: John Wiley & Sons, Inc., 2015. http://dx.doi.org/10.1002/9781119197201.app1.
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Zimmermann, Willi, and Beatriz Mayer. "Banks and Environmental Practices in Bangkok Metropolitan Region." In Sustainable Banking, 133–46. Routledge, 2017. http://dx.doi.org/10.4324/9781351282406-12.
Full textConference papers on the topic "Banks and banking, corrupt practices"
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Ul Alam, Mahbub, Muhammad Abul Kalam Azad, and Md Showkat Ali. "Best Practices to Secure API Implementations in Core Banking System (CBS) in Banks." In 2022 IEEE 12th Annual Computing and Communication Workshop and Conference (CCWC). IEEE, 2022. http://dx.doi.org/10.1109/ccwc54503.2022.9720840.
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Ciobu, Stela, and Victoria Iordachi. "Implementing corporate governance good practices in the banking system of the Republic of Moldova." In International Scientific Conference “30 Years of Economic Reforms in the Republic of Moldova: Economic Progress via Innovation and Competitiveness”. Academy of Economic Studies of Moldova, 2022. http://dx.doi.org/10.53486/9789975155663.50.
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Corruption in the lending activity, financial fraud or reduced banking efficiency may be the result of a weak and deficient corporate governance mechanism. An eloquent example is given by the frauds uncovered in 2014 in the domestic banking system, namely the governance gaps that allowed the robbery of three banks and the misappropriation of funds of billions of lei by malicious factors. Subsequent investigations revealed a number of serious shortcomings in the management process at several banks, including decision-making in the board of directors, the work of the executive body or reduced transparency of shareholders. The important role of financial intermediation of banking institutions in the economy, their high sensitivity to the potential difficulties arising from inefficient corporate governance and the need to protect the interests of depositors and investors, require that corporate governance for these institutions be of particular interest to maintain the stability of the financial sector. Despite progress in addressing IMF recommendations and the satisfactory performance of banks, there are several governance issues at several banks, including the largest ones. Deficiencies in corporate governance at banks still pose a major risk to systemic financial stability in the Republic of Moldova, and the ability of regulators to act remains restricted. The purpose of this research is to analyse the constraints that caused the banking crisis in the Republic of Moldova and develop recommendations to eliminate the major systemic deficiencies of the Moldovan banking system based on corporate governance good practices.
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Capuano, Paolo. "Does board of directors’ remuneration affect banks’ performance? A broad empirical analysis in the US banking system." In Corporate governance: Theory and practice. Virtus Interpress, 2022. http://dx.doi.org/10.22495/cgtapp5.
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This paper explores the relationship between directors’ remuneration and banks’ performance using extensive panel data for the period 2002–2021, to be able to make comparisons between the COVID-19 period and the pre-COVID-19 period and also make a comparison with the Great Financial Crisis born in the US in 2007. The scientific analysis methodology adopted is based on panel data analysis and the content analysis approach. The first results of the data analysis allow highlighting the existence of a significant connection between the remuneration policies adopted by the US banks with respect to the results obtained in terms of profitability. These findings can help banks identify best practices for bank management during the financial international crisis, as well as provide useful insights to different categories of stakeholders, including bank regulators and supervisors
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Ciobu, Stela. "Improvement of bank rating prudential supervision in the Republic of Moldova through European Union best practices." In 26th International Scientific Conference “Competitiveness and Innovation in the Knowledge Economy". Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/cike2022.44.
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The main purpose of the rating is to increase the information transparency of the bank, to facilitate the arrangement of entities in the field of activity according to key success factors. The rating points assigned to the bank is identified with its competitive position in the banking system, which undoubtedly affects the image and trust of customers and investors. Therefore, assigning a specific rating to a bank affects its competitive position in the economy. The banking supervision function is aimed at ensuring the smooth functioning of the financial system based on a strong and competitive banking sector, focused on market relations and risk prevention. In this context, in prudential supervision, various rating systems are applied, their purpose is to monitor and analyze the financial condition of banks. In writing the article, the following scientific and methodological support was used: methods of analysis and synthesis, a monographic method, a comparison method, classification, methods of induction and deduction, methods of statistics and mathematical analysis, as well as a method of generalization. The purpose of the article is to deepen the study of bank rating as a consolidation tool for prudential supervision, as well as from the importance of this activity for ensuring the stability of the banking system in particular and of the financial system in general.
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Viney, Christopher. "Informing IT Managers - Why the Bank for International Settlements is Establishing a Capital Charge Guideline for Operational Risk: the Australian Evidence." In 2002 Informing Science + IT Education Conference. Informing Science Institute, 2002. http://dx.doi.org/10.28945/2585.
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IT managers within financial institutions must understand and be able to respond to the operational, financial and regulatory impacts that will result from a loss of critical business functions. The Basel Committee on Banking Supervision, through the Bank for International Settlements (BIS) has circulated a consultative paper which, if eventually adopted by nation-state bank supervisors, will impose an operational risk capital charge on banks as part of the new Capital Accord. Banks will also be required to record and report operational risk occurrences or events. This paper presents data on aspects of the disaster risk management practices of banks operating within the Australian financial system. The data indicate that banks, as a group, do not maintain effective disaster risk management practices and are not adequately prepared to recover a loss of critical business functions. The results clearly support the necessity of the BIS initiatives.
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Agnese, Paolo, and Paolo Capuano. "How are global banks responding to the COVID-19 pandemic?" In Corporate governance: Fundamental and challenging issues in scholarly research. Virtus Interpress, 2021. http://dx.doi.org/10.22495/cgfcisrp4.
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The COVID-19 pandemic has put pressure on financial systems and banks, which have had to review their management strategies and adapt them to the new global crisis. Banks’ responses to COVID-19 can be traced back to the introduction of a portfolio of corporate policies, such as: the creation of ad hoc teams for the prevention and control of the effects of the pandemic within the company; the adoption of measures to support the community in which the bank operates; the protection and support of its employees and clients. The goal of this research is to understand how bank governance is reacting to the COVID-19 era, to determine which were the most used measures to contain the crisis. The results of this analysis, in fact, can make it possible to define best practices for the corporate governance of banks in times of pandemic crisis and provide useful elements for reflection to the banking regulatory and supervisory authorities
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Manole, Tatiana, and Iulita Birca. "Evaluarea riscului in sistemul bancar in contextual Comitetului Basel." In Conference title: Economic growth in the conditions of globalization: International Scientific-Practical Conference, XVIth edition. National Institute for Economic Research, 2023. http://dx.doi.org/10.36004/nier.cecg.iii.2022.16.5.
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This article investigates the role of the banking institution in carrying out the circulation of funds. The financial circuit of the funds can be likened to the circulation of blood through the venous system of man. A small failure can cause great health problems. This phenomenon can be compared with the monetary circulation in the economy of the country. The national institution, that aims to supervise and control the money circuit, is the Central Bank (the case of the Republic of Moldova – the National Bank of Moldova). It is precisely this institution that is obliged and has at its disposal all the monetary policy instruments to achieve this objective. The supreme banking supervisory institution is the BASEL Committee, the objective of which is to understand supervisory issues and improve the quality of banking supervision worldwide, in order to increase financial stability, being the main global standard for prudential regulation of banks. By decision no. 63 of February 28, 2019, the National Bank of Moldova approved the Methodology for supervision and evaluation of banks' activity, thanks to which international standards and best practices in the field of banking sector supervision are transposed. The approval of the methodology is part of the process of reforming the domestic banking supervision framework and represents a fundamental step in the implementation of a future-oriented risk-based supervision process using professional reasoning.
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Banincova, Eva. "Implications of the Global Financial Crisis on the Banking Sector in Eastern Europe and Baltic States." In International Conference on Eurasian Economies. Eurasian Economists Association, 2011. http://dx.doi.org/10.36880/c02.00263.
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In 2008-09 the banking sectors of four Central and East European States and three Baltic States have experienced a large-scale financial crisis in the EU for the first time since becoming foreign-owned. Amongst the new EU member states Baltic States and Hungary were the worst affected economies.
The paper first explores why the extent of crisis varied among these seven states by distinguishing major differences in the pre-crisis bank lending practices which reflect different macroeconomic developments and exchange rate policies in these states. Based on the analysis of bank performance indicators since 2008 and my interviews with representatives of major banks active in the region, the important role of foreign banks in mitigating the risks of financial contagion is outlined. The implication from the crisis is examined mainly from the perspective of the financial supervision and regulation in the enlarged EU. By inspecting the concrete experience of financial supervision authorities in the Baltic States the paper shows why the host country supervisors were not able to curb excessive lending and risk-taking by large Scandinavian banks. Since it is expected that the new EU regulatory and supervisory framework will reinforce the financial stability in the case of large cross-border banking groups, the paper addresses the issues in the financial crisis prevention, management are resolution in the new EU member states which will improve based on the new EU regulatory and supervisory framework for credit institutions.
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Paul, Bénédique, Ahmad H. Juma'h, and Florys Dorante. "Entrepreneurs’ Perception of Banks’ Social Responsibility : A Haitian Case Study." In Sessions du CREGED à la 30e Conférence Annuelle de Haitian Studies Association. Editions Pédagie Nouvelle & Université Quisqueya, 2021. http://dx.doi.org/10.54226/uniq.ecodev.18793_c4.
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Banks are the pillars of entrepreneurship expansion and economic development. In developing countries, where there is little public financial support for entrepreneurs, it is clear that banks, among other financial institutions, should be part of the solution to the problem of financing economic activity. As financial intermediaries, commercial banks need to enjoy good perception among entrepreneurs to improve their profitability. To achieve such objective, banks sometimes adopt social responsibility strategies to influence public perception of banks’ behavior. How do Haitian entrepreneurs perceive Haitian banks’ social responsibility? To answer this question, we collect empirical data among entrepreneurs of all size (micro, small and large). The findings help interesting discussions of banks perception among entrepreneurs divided by demographic (gender, location) and economic (sector, size, assets) characteristics. Among the main conclusions, we find that banks enjoy very bad perception among entrepreneurs (all size). Also, the special concessions given by the Government and other international institutions to the banking industry in Haiti help very few to increase the financial services for Haitian entrepreneurs. From our conclusion arise questions for future research to study the relations between entrepreneurs’ own practices of corporate social responsibility and their perception of banks social responsibility.
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Holzmann, Linus, and Jenna Huppertz. "The collapse of Silicon Valley Bank – The importance of proactive risk management in order to prevent financial contagion." In Konfrence doktorandů. Vysoká škola finanční a správní, 2023. http://dx.doi.org/10.37355/kd-2023-05.
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In the underlying paper, the collapse of Silicon Valley Bank (SVB) serves as a case study to explore the causes and the crash´s aftermath. The main question is, if the crash and its spill over effects could have been prevented. The study highlights the importance of effective risk management practices, diversification, and capital management for mitigating systemic risk in order to prevent financial contagion. The findings underscore the necessity of a robust regulatory framework, like the Dodd-Frank Act and Basel III, but also emphasize the importance of proactive risk management within banks to prevent future failures. The collapse of SVB reveals that despite regulatory measures, gaps in risk management practices can still lead to catastrophic consequences, emphasizing the need for continuous improvement in risk management strategies within the banking sector. The underlying research hypothesis is that the crash of SVB and its aftermath could have been prevented by adequate and prospective risk management.
Reports on the topic "Banks and banking, corrupt practices"
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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, February 2010. http://dx.doi.org/10.18235/0009177.
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Research project on ways to improve Latin American immigrants¿ access to the U.S. banking system focused on access issues related to recent Latin American immigrants and particular attention to best practices in account opening procedures and providing remittance Products. Research also includes an Anti-Money Laundering and Terrorist Financing section on their integral relationship to banks and credit unions¿ ability to successfully serve the Latin American immigrant market.
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Microenterprise Development Review: Volume 8 : No. 2 : December, 2005. Inter-American Development Bank, December 2005. http://dx.doi.org/10.18235/0008391.
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The first article in this issue of Microenterprise Development Review discusses how banks can adapt scoring to microenterprise loans and how scoring can be adapted to microlenders. It also discusses the process of introducing scoring in a microlender, drawing on experience from an IDB-funded project with affiliates of Women's World Banking in Colombia and the Dominican Republic. The second article in this issue explores the best options for funding a microfinance institution and analyzes four main sources of MFI funding: mobilizing deposits, borrowing (from donors, governments, banks and other sources), issuing bonds and issuing stock. In addition, it examines recent trends in the use of these four instruments, the relative costs of each (including both financial and operating costs), other pros and cons of each funding source, and best practices in the use of the four instruments.