Dissertations / Theses: 'Banks and banking – Standards'

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Norton, J. J. "International bank supervisory standards : the case of the Basle Committee and capital adequacy standards." Thesis, University of Oxford, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.241301.

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SVENSSON, JONATAN. "Context-Specific Interoperability for Banks : A Co-opetition Analysis." Thesis, KTH, Industriell Management, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-160639.

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Infrastructure in the form of payment systems is a necessity to allow for payments to reach from payer to payee, but it is also subject to product differentiation between banks. In the euro countries, a domestic-integration zone termed SEPA that consolidates payment systems into a singular system has been regulated, providing market efficiencies for customers and companies. However, in Sweden, banks use unstandardized file communication that is costly for stakeholders to interface against, and is becoming increasingly difficult to oversee. With the introduction of novel payment solutions (e.g. mobile payments), there is also an increase in competitors that access the infrastructure. A rising customer demand for faster, global and integrated payments has been identified. This increased fragmentation of the market requires large investments for banks and reduces customer mobility, which motivates the need for consolidation of payment flows. The purpose of this thesis is to identify the roles of stakeholders in the clearing and settlement mechanism, and to identify the drivers and inhibitors that affect business decisions to change the systems in place. These results are categorized according to co-opetition theory. Furthermore, the thesis brings forward the global industry standard for financial messaging ISO 20022 to the business context, and discusses its implications in the Swedish market from an interoperability point of view. The study has been conducted using mixed methods with a qualitative approach. It includes: Analysis of documents and materials, non-participative observation, interviews with 9 industry experts and an in-depth case study of real-time payments in Sweden (Betalningar i Realtid). Results show that actors’ perceptions of one another are ambiguous, but cooperation is well-established and reaps many positive effects for firms. Co-opetition activities in banks are inclined to drive change, while competitive moves are likely to leave the system unchanged. Co-opetition is only possible under certain pre-agreed rules such as differentiation by implementing flexible payment solutions. The main implication for migration to an improved, standardized payment flow is connected to the governance of infrastructure. It is suggested that if agreements between stakeholders are not reached in due time then SEPA-like regulation put forward by higher instances is a likely outcome.

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Anagnostopoulos, Ioannis. "IAS39 and value perceptions in banking : bankers in Greece and the UK : implications for financial reporting, capital management and regulation." Thesis, University of Aberdeen, 2010. http://digitool.abdn.ac.uk:80/webclient/DeliveryManager?pid=128193.

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This thesis investigates the impact of accounting standard IAS39 on banking institutions in Greece and the UK. It specifically addresses preparers’ perceptions of that standard’s effects on the banking books of banks. The research involves a mixed methodology, namely: (i) a survey analysis of the perceptions of banking practitioners in Greece and the UK, in order to identify the standard’s impact on the banking sector as well as to gauge the standard’s acceptance of banks, in order to facilitate a deeper understanding of the implications of the standard for their organisations. ‘Elite’ interviews also advocate that such high powered individuals are the key holders to privy information. The results suggest that IAS39 is a highly controversial standard that introduces concerns not only for the banks’ valuation of assets and liabilities but also regulatory concerns over issues of policy formulation and stability. Generally, bankers are negative and largely sceptical of the standard, on the grounds of relevance and reliability. They do not view the standard as particularly useful, relevant, reliable or transparent for banking disclosures and financial stability when compared to the current mixed methodology approach followed currently for the valuation of assets and liabilities in the banking books of banks. Most concerns revolve around the standard’s effects on valuation of assets and liabilities, provisioning and hedging issues and bank capital management for regulatory capital purposes. In the introduction of accounting standards attention should be paid to the nature of the industry and the system (i.e. credit versus market-based) in which firms operate, as well as to establishing particular methodologies. It touches upon a contemporary issue of critical topical and international interest, of how accounting information standards relate to the systemic, operating, credit, market and liquidity risks of a modern, internationalised banking system.

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Estes, Alan W. "Further evidence of bank window dressing : the effect of Basle Capital Standards /." Thesis, This resource online, 1996. http://scholar.lib.vt.edu/theses/available/etd-05092009-040642/.

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Phillips, William J. "A comparison of perceived social responsibility standards with perceived social responsibility performance in the Australian banking industry : A stakeholder analysis." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2002. https://ro.ecu.edu.au/theses/711.

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The purpose of this study is to investigate extent to which Australian banking corporations embrace social responsibility. It endeavours to establish the meaning of social responsibility generally and corporate social responsibility (CSR) in particular. In view of the multiple definitions of the concept of ‘social responsibility’ offered by various authors Such.1 Boatright (1993), Freeman (1994), Walters (1977), and Wheeler (1998), the views of power dependent Australian bank stakeholders were solicited to form an operational definition for the study. This created a collective conception of social responsibility as it is applied to Australian banks, allowing corporate social responsibility standards to be established against which perceived social responsibility performance of Australian banks could be compared.

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Bleske, Adrian. "The antecedents of customer satisfaction in a financial institution : a qualitative study." Thesis, Rhodes University, 2008. http://hdl.handle.net/10962/d1015482.

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The following is a case study report on the Cape Town business unit of Standard Bank Properties. The research project falls within the ambit of services marketing which introduces several unique management challenges for service businesses that sell services as a core offering. The principal aim of the case study is to gain an understanding of why customers bank at the business unit and to discover what aspects are critical to customer satisfaction. A further goal of the research is to examine how the business unit could improve customer satisfaction and to highlight any impediments to further improving customer satisfaction at the business unit. It is generally regarded that quality customer service is essential to building customer relationships and hence the research project emphasis on services marketing and customer satisfaction within a financial services context. The paper commences with an overview of the South African Banking Sector and its unique challenges such as the Financial Service Charter and newly introduced legislation such as Financial Intelligence Centre Act. The case study will specifically investigate the property finance industry and a detailed analysis of the business unit's operations and process flow will also be undertaken. The reason for this background information is to assist the reader to understand how the business unit operates. The research project will investigate four unique differences between goods marketing and services marketing whereafter three theoretical propositions are introduced, namely the dyadic interaction and service encounter, the Service Profit Chain and finally Relationship Marketing. Evidence in the form of a narrative will be led from insights obtained from interviews conducted with customers and staff at the business unit against these propositions with support (or otherwise) from independent surveys and documents from the business unit. The result of this analysis is the identification of several areas of concern specifically: New employees and the service encounter, Problems with FICA, Lack of a customer complaint handling system, Empowerment issues, Turnaround times, Reliance on key staff These insights together with the evidence from the literature review will be analysed and several recommendations made to improve customer service and ultimately customer satisfaction at the business unit. Several recommendations for further research are offered as well as the identification of limitations including but not limited to the specificity of the case study report.

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Hörstedt, Maria, and Johanna Linjamaa. "Credit Risk Evaluation of Swedish SMEs : A Banking Sector Perspective." Thesis, Umeå universitet, Företagsekonomi, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-107969.

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As a result from the latest financial crisis, the banking industry has undergone major modifications during the last years in order to limit banks’ risks. A vast majority of existing literature tends to focus upon credit risk evaluation methods and techniques mainly concerning quantitative measures and large companies. Thus, the lack of research regarding credit risk evaluation of SMEs is profound, especially considering Sweden. With the dominant market share of SMEs compared to large corporations the authors found it interesting to further explore this area of the credit assessment process as SMEs largely impact the Swedish business sector. The purpose of the thesis at hand is to explore and provide empirical evidence of which criteria banks assess when evaluating credit risk of SMEs in Sweden. In regards to the purpose the authors have chosen to adapt the perspective of the banking industry throughout the thesis. In order to bridge the research gap the following question was established, “How do banks evaluate credit risk of SMEs in Sweden?” In light of the lack of research regarding qualitative assessment of credit risk, the authors found it interesting in terms of developing new theoretical and practical knowledge to establish the following sub-question, “What are the qualitative criteria used by banks when evaluating credit risk of SMEs in Sweden?” Further, as existing literature mainly focus on large companies the authors found it interesting to compare the findings regarding credit risk evaluation on SMEs to the evaluation process of one of the largest credit rating agencies. As a result the second sub-question was established as following, “Are these criteria similar to the criteria used by Standard & Poor’s in their rating model?” These questions were conducted in order to provide the authors and the reader with further insight regarding the criteria used by banks in their evaluation process. An inductive approach was adopted, in line with the epistemological stance of interpretivism and the ontological belief of constructivism. With this in mind, the authors of the thesis conducted a qualitative exploratory research employing narrative interviews in order to collect the data needed, as of the lack of existing research to address the research questions. The results of the research were that the criteria used in the assessment of credit risk tend to alter from advisor to advisor. The most commonly used criteria by the advisors are budget, business plan, customer’s customers, internal and external discipline, financial statements, industry specifics, historical accounts, key individuals, relationship, repayment capacity and the owner/individual. It was discovered that the qualitative criterion of assessing the individual majorly impacts the credit risk evaluation. However, what matters in the end is the overall impression of both qualitative and quantitative measures of the firm. In regards to sub-question one, the authors established a list of qualitative criteria used by advisors in their credit risk evaluation of SMEs, the most widely used criteria among the advisors are the owner/individual, key individuals, internal discipline, industry specifics, external discipline, customer’s customers, relationship and business plan. In comparison with the criteria used by Standard and Poor’s and the banks, it was evident that the criteria used in the evaluation differed a lot between the two.

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Ögren, Anders. "Empirical studies in money, credit and banking : the Swedish credit market in transition under the silver and gold standards 1834-1913 /." Stockholm : Institute for Research in Economic History (Institutet för ekonomisk historisk forskning vid Handelshögsk.) (EHF), 2003. http://web.hhs.se/efi/summary/616.htm.

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Alsoufani, Muhammad Mhd Radwan. "Basel III liquidity rules : measuring the impact on portuguese small banks activity." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/11559.

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Mestrado em Finanças
Em 2009-10, os padrões, LCR e NSFR foram introduzidos pelo acordo de Basileia III no sentido desenvolver e estabelecer critérios de funcionamento para a Gestão de Liquidez na Banca, Uma vez efetuada a sua completa implementação, estes novos padrões deverão conduzir o sector bancário a um novo nível de desenvolvido orientado para a garantia da resistência contra choques de Liquidez. Este trabalho de investigação irá reflectir sobre a teoria por detrás do LCR e o NSFR, destacando os efeitos mais significativos destes dois padrões. O Trabalho complementa a teoria com um estudo em seis pequenos bancos operando no mercado português, num período de oito anos, a partir do ano de 2005.
In 2009-10, the LCR and NSFR standards were lately introduced by Basel III Accord for improving banks' liquidity management. When full implementation takes place, the LCR and NSFR are expected to bring the banking sector into a developed system that guarantees resilient standing against severe liquidity shocks. This research paper is going to elaborate on the theory behind the LCR and NSFR, and will point out major repercussions accompanying the employment of the two standards. The paper complements the theory with an empirical study on six representative small banks operating in the Portuguese banking sector, with a study period of eight years starting from 2005. In the end, useful conclusions, regarding the sample banks' activities with respect to the LCR and NSFR, will be presented based on both theory and research.

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Soufani, Muhammad Mhd Radwan Al. "Basel III liquidity rules : measuring the impact on Portuguese small banks activity." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/7955.

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Mestrado em Finanças
Em 2009-10, os padrões, LCR e NSFR foram introduzidos pelo acordo de Basileia III no sentido desenvolver e estabelecer critérios de funcionamento para a Gestão de Liquidez na Banca, Uma vez efetuada a sua completa implementação, estes novos padrões deverão conduzir o sector bancário a um novo nível de desenvolvido orientado para a garantia da resistência contra choques de Liquidez. Este trabalho de investigação irá reflectir sobre a teoria por detrás do LCR e o NSFR, destacando os efeitos mais significativos destes dois padrões. O Trabalho complementa a teoria com um estudo em seis pequenos bancos operando no mercado português, num período de oito anos, a partir do ano de 2005.
In 2009-10, the LCR and NSFR standards were lately introduced by Basel III Accord for improving banks' liquidity management. When full implementation takes place, the LCR and NSFR are expected to bring the banking sector into a developed system that guarantees resilient standing against severe liquidity shocks. This research paper is going to elaborate on the theory behind the LCR and NSFR, and will point out major repercussions accompanying the employment of the two standards. The paper complements the theory with an empirical study on six representative small banks operating in the Portuguese banking sector, with a study period of eight years starting from 2005. In the end, useful conclusions, regarding the sample banks' activities with respect to the LCR and NSFR, will be presented based on both theory and research.

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Changarath, Vinod S. "Essays in Banking: (1) Do Capital Standards Promote Bank Safety? Evidence from Involuntary Recapitalizations(2) Does Bank Liquidity Creation Translate into a Wealth Effect for Borrowers?" University of Cincinnati / OhioLINK, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=ucin1378197012.

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Mogaji, Emmanuel. "Emotional appeals in UK banks' print advertisement." Thesis, University of Bedfordshire, 2016. http://hdl.handle.net/10547/622103.

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The unprecedented turbulence and uncertainty experienced in global economic and financial markets because of the 'credit crunch' has had a damaging impact on consumer confidence. Trust and credibility have been eroded as many customers feel let down by the banks suggesting the need for banks to rebuild constructive dialogue and long-term, meaningful relationships with their customers again. Though financial service, in this case, is considered a utilitarian service, based on the fact that money is needed to support people‘s daily activities, the present state of financial service has suggested the need for banks to appeal to consumers‘ emotions with the aim of improving their reputation. Also, the competition within the industry also could suggest the need to adopt an emotionally appealing advertisement strategy as emotions are known to play an influential role in building robust brand preference. This study builds on the communication theory, meaning transfer theory and consumer involvement theory, to understand the messages the banks are sending out and to elicit consumers‘ emotional reaction. One thousand, two hundred and seventy-four UK bank advertisements in nine national newspapers were content-analysed to identify the emotional appeals presented by the banks. The perception of these appeals and their associated meanings were sought through semi-structured interviews with 33 participants in London and Luton. The results of the analysis indicated that UK Banks are utilising emotional appeal in their advertisements to reach out to the consumers to convince them to upgrade their account, to open an additional account or switch their account. The most predominantly used appeals were relief and relaxation followed by excitement and happiness or satisfaction with the bank, and finally, security and adventure. However, variations were found in different financial products that employed emotional appeals. It was found that high-involvement products such as mortgages and loans used fewer emotional appeals. Both bank groups - high street banks, including the big four (Barclays, HSBC, Lloyds and RBS) and non-high street banks, such as the new entrants, supermarket brands, and online banks were using emotional appeals. However, it is acknowledged that the communication strategies between these banks could be different as the non-high street banks are more likely to repeat and publish the same messages across many newspapers, instead of publishing different emotionally appealing advertisements. Though consumers acknowledged these emotional appeals in the advertisements, they were more concerned about their relationship with the banks as they don‘t rely on advertisements to make a financial decision. Rather, recommendations from families, friends and associates and also branch location are more important when deciding on which bank to choose. The lack of congruency between financial services and emotional appeals in advertisements is also observed as customers are more likely to be persuaded by rational appeals however this study has not completely ruled out emotional appeals in bank advertisements as the use of both types of appeals is recommended. The study provides important theoretical and managerial contributions to understanding how the consumers understand meaning-embedded advertisements produced by the banks. Managers will be able to consider the implications of advertisements in enhancing their brand equity and building relationships with customers in anticipation that, by word of the mouth and established relationship, their bank‘s reputation will be enhanced. Limitations of the study and opportunities for future research are identified.

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Oduro-Kwateng, George. "The evaluation of environmental reporting by publicly listed South African banks." Thesis, Rhodes University, 2010. http://hdl.handle.net/10962/d1003860.

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Recently, bankers have come to realise that banking operations, especially corporate lending, affect and are affected by the natural environment and that consequently, the banks might have an important role to play in helping to raise environmental standards. Although the environment presents significant risks to banks, in particular environmental credit risk, it also perhaps presents profitable opportunities. Stricter environmental regulations have forced companies to invest in environmentally friendly technologies and pollution control measures and in tum generated lending opportunities for bankers. This research examines the corporate practices of three of the four dominant banks in South Africa with respect to the environment, focusing on issues of climate change and environmental risk management by way of reporting and disclosure to all stakeholders. The emphasis on environmental reporting by South African banks has been reinforced by the latest release of the King III Report on Corporate Governance in South Africa. Global governance requires that the triple-bottom line should be applied in all corporate undertakings due to globalisation and trade liberalisation; however, the banking sector has responded poorly to the clarion call. The false view that the banks have no significant relationship with environmental degradation is being disproved. Environmental management is a huge and massive reconstruction of what has gone wrong with nature by human influence. The South African banks have had to face with the challenging tasks of reporting on the direct and mostly the indirect impacts of their environmental activities. Based on the three sampled banks which incidentally had greater percentages of the market capitalizations, the banks have fairly performed in environmental reporting. For example, Standard Bank (SA) Ltd has just signed the Equator Principles in 2007 implying corporate lending was done in 2007 without any respect to environmental impact assessments by corporate borrowers. Consequently, environmental reporting was not done to facilitate informed decision-making by stakeholders mostly shareholders and the communities where borrowers tun businesses. The objective of this research study is to investigate the extent and quantity of/voluntary environmental disclosures in the annual and sustainability reports of the banks listed on Johannesburg Stock Exchange. The periods examined were those subsequent to the release of the Exposure Draft Coalition for Environmentally Responsible Economies (CERES) Global Reporting Initiatives (GRI) issued in 1999. Using content analysis to focus on the environmental aspects, the research study compared three annual reports and three sustainability reports of 2007 year for the three sampled banks in order to evaluate reporting practices in the period surrounding this intervention. The results suggest a trend to triple bottom-line reporting and the extent and quantity of environmental information, albeit in specific categories.

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Eazell, Diane Patricia. "Justification for a credit union to charter a bank." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1642.

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Skepe, Siphelo. "Evaluation of the applicability of Lewin's force field analysis in the implementation of the Financial Sector Charter at Standard Bank." Thesis, Rhodes University, 2013. http://hdl.handle.net/10962/d1006775.

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According to the Financial Sector (FS) Charter, in August 2002, at the NEDLAC Financial Sector Summit, "the financial sector committed itself to the development of a Black Economic Empowerment (BEE) charter. It made this commitment, noting that: "Despite significant progress since the establishment of a democratic government in 1994, South African society remains characterised by racially based income and social services inequalities. This is not only unjust, but inhibits the country's ability to achieve its full economic potential. BEE is a mechanism aimed at addressing inequalities and mobilising the energies of all South Africans. It will contribute towards sustained economic growth, development and social transformation in South Africa. Inequalities also manifest themselves in the country's financial sector. A positive and proactive response from the sector through the implementation of BEE will further unlock the sector's potential, promote its global competitiveness, and enhance its world class status". Parties of the Financial Sector Charter agreed on the seven pillars below: 1) Human resource management - provide resources to develop skills of black people with the aim of increasing black participation in all levels of management in the sector. 2) Procurement policies - implement a targeted procurement strategy to enhance BEE. 3) Enterprise development - improve the level of support provided to BEE companies in all sectors of the economy. This would be achieved through skills transfer, administration and technical support. 4) Access to financial services - provide affordable financial services to the previously disadvantaged groups and making sure financial services are accessible to these groups. 5) Empowerment financing - work closely with government and government financial institutions to increase resources for empowerment financing. 6) Ownership in the financial sector - 25% of shares in each party of the FS Charter should be owned by black people by 2010. 7) Corporate social investrnent (CSI) - Each financial institution will have to spend 0.5% of their after-tax profit on corporate social investment projects. The projects should be targeted at black groups with a strong focus on transformation. The research evaluates the applicability of Lewin's Force Field Analysis (a change management model) in the implementation of the Financial Sector Charter at Standard Bank of South Africa. It attempts to achieve this by looking at how the Financial Sector Charter is being implemented at Standard Bank. The research looks at three main areas: 1) The "context" of the research problem, by seeking to understand Standard Bank's understanding of the FS Charter, the importance of implementing the FS Charter by the bank, the progress made thus far in the FS Charter implementation and comparison to the BEE scorecards of the other three main bank. 2) The "process", i.e. how the FS Charter is implemented in the bank, the driving and restraining forces of successful implementation of the FS Charter and the lessons learnt. 3) The "outcome" , i.e. benefits of implementing the FS Charter and what could be done to ensure that change management processes are successfully implemented. Personal interviews were used to discover other valuable information which was not available on the bank's published documents, and other related sources such as the Financial Sector Charter document. The sample size for the study was ten Standard Bank employees from different areas of the bank who are either senior managers or directors, in the bank. Internal publications available on the Standard Bank intranet such as the bank's employment equity plans, and the bank's sustainability reports from 2004 to 2011 (Standard Bank, 2004-2011) were analysed for the purpose of the study. The researcher also analysed public documents such as the bank's annual financial reports, bank's equity reports and internal publications on related topics of the research question. Lewin's Forces Field Analysis (FFA) points out that in any environment where change is required; there are both driving and restraining forces that influence the implementation of a change programme. The FFA is a valuable change management tool at trying to transform the behaviour of an individual, and this will lead to transformation of groups and, ultimately the organisation. It also helps to establish the balance between the driving and restraining forces of the change programme. Lewin's (1951) theory put forward the idea that change occurs in three stages: the first stage of change is unfreezing; the second stage is moving and lastly, the third stage is refreezing. In the unfreezing stage, the bank's change management initiatives would need to be directed at giving the individuals a desire and motivation to be ready and open about a planned change initiative. This could be achieved by clearly communicating why change is important, benefits of change and the compelling reasons for change. In moving, the bank would need to give support and confidence to the people affected by change in order to start accepting and buying-in to new perspectives, which enable them to realise that change will improve the current situation. In the refreezing stage, the bank would need to ensure that new patterns of behaviour are reinforced. This will ensure that the changes are applied in everyday business, and this helps create a sense of stability, where those affected by change feel comfortable and confident with the new approach of doing things. The research concludes that managers should recognise the sensitivity around transformation, and should always try to ensure that change management initiatives directed at transformation are unifying, fair and transparent. This should be done to avoid a situation where an employee (or prospective employees) and other stakeholders feel under-appreciated or overlooked because of their gender or race. This demands a carefully crafted and implemented change management programme, whose results will not only unify the bank's employees, but also create a competitive edge for the bank. Lewin's Force Field Analysis (FFA) model is a change management tool that could be used to produce such results.

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Ozturk, Huseyin. "Three essays in Turkish banking : development banks, Islamic banks and commercial banks." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31399.

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This thesis is composed of three empirical chapters each of which examines separate segments of Turkish banking system from different perspectives. First empirical chapter investigates regional loan distribution of development banks. The findings in this chapter suggest that political connection has played a significant role in development lending. There is also geographical bias which leads to higher volumes of loans in the regions close to the capital city. Second empirical chapter examines Islamic banks and compares them with conventional banks in terms of profitability and competition grounds. The results reveal that Islamic banks earn more returns with respect to conventional banks. The results also suggest that the regulatory changes of the last decade improve market power of these banks. The last empirical chapter investigates micro structure of Repo and Reverse Repo Market of Turkey in which only commercial banks can transact. This chapter initially presents the network topologies of this market that helps one to understand the characteristics of complex network in this market. This chapter then computes a connectivity measure and investigates the drivers of connectivity out of domestic and external factors. Although results provide very rich insights, external factors dominate the behaviour of network in this market.

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Rinkus, Michael A. "An Exploratory Study Comparing Mid-sized U.S. Banks' and Global Banks' Sustainability Programs." Thesis, Lawrence Technological University, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3738368.

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This is an exploratory qualitative case study of the state of sustainability programs within a set of 12 mid-sized U.S. banks compared among themselves and then compared to a set of 12 global banks. This research was designed in two phases. Phase One presented the current state of sustainability within mid-sized U.S. banks and global banks based upon each bank’s public data as organized into three sections: a bank profile, major strategic initiatives, and bank sustainability initiatives and programs. Phase Two data were analyzed from 24 interviews with key executives within each bank. A structured interview format was used, and the interviews were conducted in-person, by phone, or via email depending on the respondent’s preference.

The research found that the majority of mid-sized U.S. banks had, from a regulatory view point, achieved the broader aspects of sustainability. Mid-sized U.S. banks had not seized the spirit of sustainability by organizing and communicating their efforts in the context of a voluntary formal reporting mechanism. Mid-sized banks generally relied on government compliance reports to communicate their efforts. By relying on compliance reporting, mid-sized U.S. banks are missing an opportunity to enhance their image and improve reputational and risk management efforts. It was found that the global banks demonstrated a willingness to embrace the spirit of sustainability past any regulatory requirements, but found their efforts were still in the process of integration within their many business units. It was also found that there is a need for one globally accepted reporting mechanism for sustainability performance. At present, there appear to be many competing requirements for reporting on sustainability efforts, which are beginning to tax internal departments of global banks in an effort to meet the information needs of all their stakeholders.

Using thematic analysis, five key contributions resulted: The first contribution is an understanding of the key components of mid-sized U.S. banks and global bank sustainability programs. The second contribution is identification of the motivators for mid-sized U.S. banks and global banks to establish a sustainability program. Third, a set of criteria was identified to help determine the success of a bank’s sustainability program that can be used by mid-sized U.S. banks and global banks (criteria for success). The fourth contribution is the presenting of the current state of sustainability programs for the set of banks used in the study. The fifth contribution is a set of guiding elements and impact benefits that can be used by any size bank executives to improve business results through implementation of a sustainability initiative.

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Cutcher, Leanne. "Banking on the customer customer relations, employment relations, and worker identity in the Australian retail banking industry /." Connect to full text, 2004. http://hdl.handle.net/2123/632.

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Thesis (Ph. D.)--University of Sydney, 2004.
Title from title screen (viewed 8 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Discipline of Work and Organisational Studies, School of Business, Faculty of Economics and Business. Includes bibliographical references. Also available in print form.

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Wu, Tong Caudill Steven B. "Is there a gap of banking efficiency between access and non-accession countries in central and eastern Europe." Auburn, Ala., 2006. http://repo.lib.auburn.edu/2006%20Summer/Theses/WU_TONG_10.pdf.

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Lee, Sai-kit. "The role of supervisory authorities in maintaining banking system stability in 1990's : a comparison between Hong Kong (Hong Kong Monetary Authority) and Japan (The Ministry of Finance) /." Hong Kong : University of Hong Kong, 1999. http://sunzi.lib.hku.hk/hkuto/record.jsp?B21240668.

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Lai, Pui-ming Amy. "Service quality in banking : a longitudinal study in Hong Kong /." Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B17982376.

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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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Elmabrouk, Elmabrouk A. Ambarik. "Quality of banking services in Libyan banks." Thesis, University of Gloucestershire, 2011. http://eprints.glos.ac.uk/3285/.

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Against the background of growing competition in the global marketplace, understanding customers, is a significant aspect of marketing. In the search for competitive advantage, there is a need to measure service quality to better understand its antecedents and consequences, and establish methods for its improvement. In the Libyan economy, the banking sector is one of the most important. Its significance increased after the 2003 lifting of the United Nations sanction. This was followed by entry to the sector of a number of domestic and multinational firms. Despite this increased competition, domestic banks are still widely considered to suffer from low levels of service quality. The main purpose of this study is to evaluate the actual level of service quality provided by Libyan public commercial banks as perceived by their customers. A modified SERVQUAL model was developed to measure service quality in Libyan commercial public banks. The resulting instrument is intended to help these banks to measure their service quality and focus on the service quality dimensions of most importance to their customers. It also aimed to gain an understanding of cultural and environmental influences on service quality in the Libyan banking sector, and their effect on banking management practices. It is also expected that this instrument, and its results, will contribute to future research into service quality. The findings of the present study have produced some important results. Firstly, the level of service quality offered by the Libyan public commercial banks as it was perceived by their customers was relatively high. Secondly, the theoretical five-factor structure of the SERVQUAL model was not confirmed in the Libyan banking context, and the service quality structure in the Libyan context appears to be four-dimensional. Furthermore, the study offers suggestions to banking managers to allocate their resources more efficiently to the most important dimensions, i. e. reliability and tangibles, to improve service quality, since the factor analysis indicates that these are the most important dimensions to customers. Finally, reflections on the methods used to modify SERVQUAL to make it more sensitive to a particular cultural context have implications for future researchers in terms of methodology, method and data analysis.

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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 conventionnel
This 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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25

Gardiner, Leslie J. (Leslie Jean) Carleton University Dissertation Management Studies. "The Organizational structure of transnational banks; a comparative analysis of global operations." Ottawa, 1988.

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26

Ahmad, Abu Umar Faruq. "Islamic banking in Bangladesh /." View thesis, 2002. http://library.uws.edu.au/adt-NUWS/public/adt-NUWS20030723.130611/index.html.

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Thesis (Master of Laws (Hons.)) -- University of Western Sydney, 2002.
"A thesis submitted in fulfillment of the requirement for the degree of Master of Laws (Honours)" Bibliography : leaves 215-221.

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Burton, Dawn. "Banks go to market." Thesis, Lancaster University, 1992. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.331964.

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28

Harahap, Sofyan Syafri. "The Central Bank and commercial bank control relationships in Indonesia : a field based case study /." Title page, contents and abstract only, 1999. http://web4.library.adelaide.edu.au/theses/09PH/09phh254.pdf.

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Enchzajaa, Culuunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitäts-Verlag, 2006. http://dx.doi.org/10.1007/978-3-8350-9007-1.

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Brägger, Beat. "Tax amnesties - Strategic options for European Private Banks." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/03604915002/$FILE/03604915002.pdf.

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Ėnchzajaa, Čuluunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitats-Verlag, 2006. https://www.lib.umn.edu/slog.phtml?url=http://www.myilibrary.com?id=134342.

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32

Hopkins, Deborah Ann. "Factors affecting adoption of automated teller machines, direct deposit of paychecks and partial direct deposit to savings where available." Connect to resource, 1986. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1214411921.

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Lam, Chun-cheung Otto. "A study of the origins, emergence and development of Western banking in China, 1770s-1866 /." View the Table of Contents & Abstract, 2007. http://sunzi.lib.hku.hk/hkuto/record/B38031012.

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Villalpando-Benitez, Mario. "The political economy of banking regulation : the case of Mexico, 1940-1978 /." Connect to web site, 1999. http://www.ohiolink.edu/etd/view.cgi?acc%5Fnum=osu973014578.

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Thesis (Ph. D.)--Ohio State University, 2000.
Advisor: Claudio Gonzalez-Vega, Dept. of Agricultural, Environmental, and Development Economics. Includes bibliographical references (leaves 114-120). Available online via OhioLINK's ETD Center.

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Li, Jing. "Accounting conservatism and its implication on valuation in commercial banks /." View abstract or full-text, 2004. http://library.ust.hk/cgi/db/thesis.pl?ACCT%202004%20LI.

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Thesis (M. Phil.)--Hong Kong University of Science and Technology, 2004.
Includes bibliographical references (leaves 37-38). Also available in electronic version. Access restricted to campus users.

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Hägg, Gustav, Niklas Jonsson, and Josefine Björk. "Entry Modes - A banking perspective." Thesis, Halmstad University, School of Business and Engineering (SET), 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-1787.

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In the European Union the borders are being wiped out and this is creating new business markets for companies that before never had dreamt of going international. Today we see it as natural that companies act world-wide to gain success and increase the growth and profit. They need to do this to be competitive on the ever changing market that we have nowadays. One of the most important things to have in mind when thinking of expanding to other countries is which entry mode to choose. There are several ways of entering a market and if you do it right you might be very successful, but if you do not spend time on this decision the internationalization process can become very short and the company can lose a lot of capital. With this thesis we want to investigate how two large Scandinavian banks made their presence into the Baltic market in the mid 90’s, which kind of entry modes they went for and if one of them made a wiser choice than the other. In the thesis we have also gone in to the factors that have been of high importance when making the decision on why they chose the Baltic market and also which kind of entry mode. Our main findings after having made this thesis is that it was the profit and growth potential that was the main driving force for establishing on the Baltic market, but also the short distance and the low costs of going in on the market. The choice of entry mode differs between the two banks and that was expected since they have different strategies when going international. And even the know-how of the market in question and resources of the company have been important factors.

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Chan, Tin-hang. "Electronic banking in Hong Kong /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19876403.

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38

Gandhi, Alka. "Antebellum banking regulation a comparative approach /." Connect to this title online, 2003. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1054733779.

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Thesis (Ph. D.)--Ohio State University, 2003.
Title from first page of PDF file. Document formatted into pages; contains xii, 121 p.; also includes graphics Includes bibliographical references (p. 117-121). Available online via OhioLINK's ETD Center

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39

Wang, Dan. "Three essays on bank technology, cost structure, and performance." Diss., Online access via UMI:, 2007.

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40

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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Leung, Wai-kwan Lucia. "Hong Kong's banking crisis in 1991." [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13278800.

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42

Huehn, M. P., and C. Kalhoefer. "Modernisation of Egypt’s banking system through foreign banks." Thesis, Українська академія банківської справи Національного банку України, 2007. http://essuir.sumdu.edu.ua/handle/123456789/60436.

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The Egyptian economy is growing strongly. How much exactly, is – like the inflation figures – not quite clear. Different sources cite growth rates for the past two years between 5 % and 6 %. In such a fast growing economy one should expect a healthy banking system with good availability of credits, low default rates, the usual range of financing instruments and central bank rates acting as the interest benchmark. The reality, however, is quite different. The IMF gauges the availability of financing as low, as for example indicated by a sharp decrease of the ratio between loans to customers and assets; the default rates are still quite high (the government had to offload the massive 44 % share of non-performing loans (NPL) of Bank of Alexandria, before it could be sold to San Paolo IMI); private loan practices are sometimes bizarre (to get an overdraft facility customers have to deposit the equivalent amount in their account, despite a massive building boom there are almost no mortgage loans), while the corporate bond market is almost non-existent and a derivatives market still does not exist; and the private banks “are not necessarily responsive to central bank interest rate policies” as EFG Hermes analyst Reham el-Desoki delicately puts it. All this hints at major problems in the banking sector which necessarily have a negative impact on economic growth, inflation and the effectiveness of the central bank.

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Von, Eldik Deborah Sijlmans. "In pursuit of a competitive position in global private banking in the Asia Pacific region." Thesis, [Hong Kong : University of Hong Kong], 1988. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13263249.

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Tam, Pui-sun. "The Bank of China Group in Hong Kong : its changing role and future direction /." Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B15967463.

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Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.

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46

Alwaddan, Abubaker. "Banking reforms and banking efficiency in Libyan commercial banks : a non-parametric approach." Thesis, Northumbria University, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.416066.

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47

Bart-Williams, Edem. "Determinants of internet banking adoption by banks in Ghana." Thesis, Nelson Mandela Metropolitan University, 2015. http://hdl.handle.net/10948/3715.

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Growth in information and communication technology (ICT) is drastically changing the way businesses, especially in the service industries, are conducted. The financial services industry and banking in particular, is not excluded from this technology explosion. Internet banking, even though not new in advanced countries, is a new transaction channel being used by banks in some parts of Africa, especially Ghana, to offer various products and services to their customers. However, this medium has not been fully exploited by these banks as there are many hurdles the banks must triumph over. In deploying this technology and these systems, there are several factors which banks must take into consideration before fully deploying such a system to their customers, hence the motivation for this study. The absence of suitable and sufficient knowledge on this topic also exposes a “rhetoric versus reality” argument of whether the intention to adopt Internet banking is critical to the strategies and ultimate success of banks in Ghana. For banks to stay ahead of competition as well as to attract and maintain their clientele, it is of paramount importance to gather and link the perspectives of both clients and bank managers in order for banks to ensure that they perform according to the needs and expectations of their clients. In order to achieve the intended results, an empirical study was conducted by taking into consideration the viewpoints of both bank clients and bank managers in determining the factors that customers take into consideration before adopting the Internet banking medium. The primary aim of this study was to quantify significant relationships between the selected variables. Therefore the positivism research paradigm was used, while the phenomenological paradigm was employed for the measuring instruments. Because multiple sources of data were used, from the perspectives of banking clients and managers in Ghana, methodological triangulation was adopted for this study. The results of the empirical investigation showed that both groups (clients and managers) considered the variables of market share, technology acceptance, diffusion of innovation, organisational variables, organisational efficiency, and business strategy to have direct influence on the adoption of Internet banking. However, they differed in opinion concerning the degree of influence of these variables. The bank managers’ responses leaned more towards strong agreement with the importance of these variables than did those of the bank clients. Thus, for bank clients to readily adopt the Internet banking medium for their banking transactions, bank managers must take a closer look at these determinant factors described in the study. The study showed that the population group, educational and income levels exerted an influence on the perceptions clients have regarding Internet banking adoption factors. It was found that the higher the education and income levels of the clients, the easier it was for them to adopt Internet banking. Also, the male group dominated the use of the Internet banking. This is supported by the fact that there is a growing middle class in Ghana that falls within this category of banking clients.

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Petrenko, E. "Transformation of commercial banks’ functioning standards in globalization context." Thesis, Ukrainian Academy of Banking of the National Bank of Ukraine, 2009. http://essuir.sumdu.edu.ua/handle/123456789/61324.

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Mohra, Majid. "Service delivery process in the retail banking industry." Thesis, University of Nottingham, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.288973.

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El-Ansary, Osama. "Modelling the operations of Egyptian joint venture banks." Thesis, University of Edinburgh, 1985. http://hdl.handle.net/1842/23875.

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Dissertations / Theses on the topic 'Banks and banking – Standards'

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