Dissertations / Theses on the topic 'Banks'
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Stovrag, Arijan. "Capital requirements and bank profitability : A comparison between the large Swedish banks and niche banks." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Nationalekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-35028.
Full textOzturk, Huseyin. "Three essays in Turkish banking : development banks, Islamic banks and commercial banks." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31399.
Full textGross, Stephanie. "Banks and shareholder value : an overview of bank valuation and empirical evidence on shareholder value for banks /." Wiesbaden : Dt. Univ.-Verl, 2006. http://www.gbv.de/dms/zbw/511250479.pdf.
Full textTam, 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.
Full textToscano, Vanessa Miguel. "Determinants of bank capital ratios in European Union banks." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19516.
Full textNeste trabalho, analisamos os determinantes do rácio Common Equity Tier 1 (CET1) dos bancos da União Europeia após a Crise das Dívidas Soberanas. Utilizámos informação da base de dados do Bankscope. Exportámos informação de 137 bancos dos 27 paises da UE no período de 2011 a 2018. Baseámos o nosso estudo numa análise de regressão, sendo que analisámos vários modelos de forma a analisar od determinantes e qual o seu impacto no rácio CET1. Para atestar a robustez dos resultados, replicámos a análise aplicando um processo winsor à variável dependente e à variável que representa o Return on Equity. Verificámos que o tamanho, a exposição ao risco, a alavancagem e a liquidez são fatores que afetam o rácio CET1 e consequentemente a solvabilidade do banco. Adicionalmente, observámos que o programa de compra de ativos por parte do Banco Central Europeu (BCE) aparenta aumentar a capacidade dos bancos para absorver as suas potencias perdas, pelo o que se justifica este tipo de ações por parte do regulador.
We analysed European Union banks' Common Equity Tier 1 (CET1) ratio determinants after Sovereign Debt Crisis. We resorted to information from the Bankscope database. We exported information of 137 banks from the 27 countries belonging to the EU, from 2011 to 2018. We performed a regression analysis, running several models to identify the significant variables and their impact on the CET1 ratio. To attest the results' robustness, we replicate the analysis winsorizing the dependent variable and the variable that represents Return on Equity. We verified that size, risk exposure, leverage and liquidity are factors that affect CET1 ratio and banks solvency. Additionally, we observed that the European Central Banks' (ECB) asset purchase program seems to increase banks' capacity to absorb potential losses, which justifies this kind of measures by the regulator.
info:eu-repo/semantics/publishedVersion
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.
Full textCutcher, 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.
Full textTitle 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.
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.
Full textTolley, Rebecca. "Seed Banks." Digital Commons @ East Tennessee State University, 2007. https://www.amzn.com/031333725X.
Full textGardiner, Leslie J. (Leslie Jean) Carleton University Dissertation Management Studies. "The Organizational structure of transnational banks; a comparative analysis of global operations." Ottawa, 1988.
Find full textOkehi, Daniel Onyebuchi. "Modelling Risk Management in Banks: Examining Why Banks Fail?" ScholarWorks, 2014. https://scholarworks.waldenu.edu/dissertations/158.
Full textCampmas, Alexandra. "Institutional environment and bank behaviour : the case of European banks." Thesis, Bordeaux, 2020. http://www.theses.fr/2020BORD0193.
Full textWe study two policies that are key to shaping the institutional environment and that can therefore influence banks' behaviour, namely monetary and macroprudential policies.In the first Chapter, we evidence the existence of the bank risk-taking channel of (un)conventional monetary policy in Europe. We show that the latter is nonlinear, i.e., the effects of monetary policy interest rates (the total assets on the balance sheet of central banks) on banking risk are stronger below (above) a certain threshold.The second Chapter mainly explores the nexus between the low interest rate environment and bank profitability. Our findings suggest that monetary policy’s main instrument adversely affects net interest margins, but its effect on overall profitability is unclear. Nevertheless, when policy interest rates are particularly low, it seems that European banks succeed in increasing their profitability despite a compression of their net interest income.In the third Chapter, we examine the role of macroprudential tools in a turbulent institutional environment. The outbreak of the COVID-19 is likely to worsen households' and businesses' capacity to pay off their debt. The Chapter bridges the gap between the flexible use of macroprudential tools and their yet unknown effects in the event of a shock to risk premia of mortgages and corporate loans. Both our empirical and theoretical models corroborate that an ease scenario of macroprudential policy allows mitigating the adverse effects stemming from such a shock. In particular, the DSGE model shows preference for relaxing the Loan-to-Value ratio over the Capital Requirement Ratio
Sasraku, Francis M. "Regulatory Structures and Bank –Level Risk Management in Ghanaian Banks." Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15021.
Full textMourouzidou, Damtsa Stella. "Three studies on the effects of national culture on bank risk-taking, deposits and profitability." Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/three-studies-on-the-effects-of-national-culture-on-bank-risktaking-deposits-and-profitability(3f54085b-4bd6-420d-a27d-1e47e2086079).html.
Full textDinh, Lien Thi. "Foreign Banks in Vietnam : Performance and Impact on Domestic Banks." Thesis, Griffith University, 2015. http://hdl.handle.net/10072/365821.
Full textThesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Business School
Griffith Business School
Full Text
Tjiane, Nelson Khomotso. "Curatorship of banks as a measure to rescue failing banks." Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/53196.
Full textMini Dissertation (LLM)--University of Pretoria, 2015.
Mercantile Law
LLM
Unrestricted
APPIAH-KONADU, PAUL. "BENCHMARKING THE ESG PERFORMANCE OF GHANAIAN BANKS AGAINST UK BANKS." Doctoral thesis, Università degli studi di Brescia, 2022. http://hdl.handle.net/11379/558938.
Full textThe concept of sustainable banking has received vast attention around the globe in the period after the global financial crisis of 2007/2008, as a way of redefining the contribution of banks towards the attainment of a more sustainable society. More so, there has been increasing emphasis on value based banking through the integration of Environmental, Social and Governance (ESG) goals in banking after the publication of the SDGs in 2015. However, there is still a general impression in the literature that there is little sense of sustainability among banks and other financial institutions especially in developing countries such as Ghana. Furthermore, the banking crisis of 2017/2018 in Ghana, which led to the collapse of several banks, points to the fact that aggressively pursuing riskier banking transactions with the aim of maximizing bank profits is definitely not a sustainable option. In addition, there is a general consensus in the literature that CSR activities in Ghana and other developing countries are done in isolation from policies and strategies of corporations, making it difficult to track progress for comprehensive results, and to properly address the concerns of all stakeholders for a more sustainable banking sector. With regards to empirical research in sustainable banking practices in Ghana, prevailing studies on the subject have mostly employed descriptive research approaches to analyze sustainability practices (with particular focus on isolated CSR policies) of banks without any real attempt to empirically measure the level of integration of sustainability in their management policies and operations. Hence, the novelty in this study is the application of the ESG audit model to quantify the level of integration of sustainability in the corporate strategies and activities of banks in Ghana, using banks in the UK as a benchmark. Overall, the data analysis shows that banks in UK have a superior ESG performance relative to banks in Ghana. In specifics, the UK banks have a higher level of integration of environmental, social and governance concerns in their corporate policies and strategies relative to the banks in Ghana. The study further shows that, while the UK banks have more comprehensive CSR programs that are well integrated into their corporate strategies to achieve well defined sustainability goals, the CSR program of the Ghanaian banks mostly take the form of isolated philanthropic donations and projects. In order to bridge the ESG performance gap between the UK banks and Ghanaian banks, it is recommended that the Bank of Ghana (BoG) ensures the strict enforcement of the Ghana Sustainable Banking Principles (GSBPs) launched in 2019 to ensure that banks in Ghana strictly factor environmental, social and governance issues in their lending decisions as well as in operations. It is also important that the BoG collaborates with relevant stakeholders to build the capacity of banks in Ghana to set up well-resourced and functional sustainability units to drive the adoption of the GSBPs and relevant international sustainability standards in the quest to cultivate a more sustainable banking sector.
APPIAH-KONADU, PAUL. "BENCHMARKING THE ESG PERFORMANCE OF GHANAIAN BANKS AGAINST UK BANKS." Doctoral thesis, Università degli studi di Brescia, 2022. http://hdl.handle.net/11379/558936.
Full textThe concept of sustainable banking has received vast attention around the globe in the period after the global financial crisis of 2007/2008, as a way of redefining the contribution of banks towards the attainment of a more sustainable society. More so, there has been increasing emphasis on value based banking through the integration of Environmental, Social and Governance (ESG) goals in banking after the publication of the SDGs in 2015. However, there is still a general impression in the literature that there is little sense of sustainability among banks and other financial institutions especially in developing countries such as Ghana. Furthermore, the banking crisis of 2017/2018 in Ghana, which led to the collapse of several banks, points to the fact that aggressively pursuing riskier banking transactions with the aim of maximizing bank profits is definitely not a sustainable option. In addition, there is a general consensus in the literature that CSR activities in Ghana and other developing countries are done in isolation from policies and strategies of corporations, making it difficult to track progress for comprehensive results, and to properly address the concerns of all stakeholders for a more sustainable banking sector. With regards to empirical research in sustainable banking practices in Ghana, prevailing studies on the subject have mostly employed descriptive research approaches to analyze sustainability practices (with particular focus on isolated CSR policies) of banks without any real attempt to empirically measure the level of integration of sustainability in their management policies and operations. Hence, the novelty in this study is the application of the ESG audit model to quantify the level of integration of sustainability in the corporate strategies and activities of banks in Ghana, using banks in the UK as a benchmark. Overall, the data analysis shows that banks in UK have a superior ESG performance relative to banks in Ghana. In specifics, the UK banks have a higher level of integration of environmental, social and governance concerns in their corporate policies and strategies relative to the banks in Ghana. The study further shows that, while the UK banks have more comprehensive CSR programs that are well integrated into their corporate strategies to achieve well defined sustainability goals, the CSR program of the Ghanaian banks mostly take the form of isolated philanthropic donations and projects. In order to bridge the ESG performance gap between the UK banks and Ghanaian banks, it is recommended that the Bank of Ghana (BoG) ensures the strict enforcement of the Ghana Sustainable Banking Principles (GSBPs) launched in 2019 to ensure that banks in Ghana strictly factor environmental, social and governance issues in their lending decisions as well as in operations. It is also important that the BoG collaborates with relevant stakeholders to build the capacity of banks in Ghana to set up well-resourced and functional sustainability units to drive the adoption of the GSBPs and relevant international sustainability standards in the quest to cultivate a more sustainable banking sector.
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/.
Full textMoore, Jonathon P. "Restitution from banks." Thesis, University of Oxford, 2000. http://ora.ox.ac.uk/objects/uuid:8c830a99-6046-4f23-b1b5-9ba3bc14812a.
Full textMoser, Kahl Rodrigo. "Retailers as Banks." Tesis, Universidad de Chile, 2014. http://www.repositorio.uchile.cl/handle/2250/130367.
Full textIngeniero Civil Industrial
Este estudio se orienta a buscar las variables que explican la existencia de firmas de retail ofreciendo productos financieros en el mundo. Durante la última década, se ha prestado particular atención a la relación entre ambos negocios, en particular en Chile, Estados Unidos, y el Reino Unido. Este estudio contribuye a comprender por qué dos segmentos tan distintos como ventas minoristas y servicios financieros son ofrecidos por la misma firma, y qué podría hacer esta estrategia rentable. La hipótesis general es que el ambiente legal, regulatorio y económico explican la ventaja comparativa que los retailers tienen para ofrecer productos financieros, las cuales los llevarían a diversificar a esta línea de negocios en particular. Utilizando una base de sobre 1.200 firmas, abarcando 37 países para el período 2000-2003, este estudio trabajo la relación entre la existencia e importancia del negocio financiero dentro de cada retailer utilizando variables comunes en la literatura, así como otras propias de este estudio, tanto a nivel de firma como a nivel de país. La evidencia sugiere que la regulación financiera es un buen predictor de la existencia de este fenómeno. Adicionalmente, éste es más prevalente en países con mayor desarrollo del sector bancario, y su presencia se asocia a una menor rentabilidad en este sector. Lo anterior sugiere que los retailers actúan como sustitutos de la banca en vez de un complemento. Finalmente, retailers que añaden intermediación financiera a sus líneas de negocio presentan mayores oportunidades de crecimiento, y retailers más grandes le dan más importancia a esta diversificación. Sin embargo, las características particulares del negocio del retail que le generan una ventaja comparativa siguen siendo una interrogante. Probablemente la calidad de información de comportamiento que los retailers son capaces de recolectar y explotar les permiten un mejor conocimiento de sus clientes, así como una mejor gestión de riesgo, más allá de la cobertura de los burós de información comercial y la eficiencia del sistema legal. En este sentido, la oportunidad y actitud de los clientes de adquirir servicios financieros al momento de la decisión de compra puede ser clave. De los resultados empíricos, así como de la evidencia particular de Chile, se puede desprender que en ausencia de una adecuada regulación, el negocio financiero de la industria del retail puede llegar a representar una fracción importante de la industria financiera total, por lo que es recomendable el desarrollo de un marco regulatorio que permita la convivencia de la banca tradicional con instituciones no financieras sin poner en riesgo la estabilidad del sistema, asegurando que la competencia en el mercado del crédito sea beneficiosa desde el punto de vista social, previniendo arbitraje regulatorio y niveles de endeudamiento excesivo.
Bashchenko, N. O. "Banks’ communication policy." Thesis, Київський національний університет технологій та дизайну, 2019. https://er.knutd.edu.ua/handle/123456789/14397.
Full textAnwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
Full textStevenson, Anthony R. "Bank lending behaviour : a comparative study of British and German banks." Thesis, Loughborough University, 2014. https://dspace.lboro.ac.uk/2134/14587.
Full textJakobsson, André. "Strategies in Swedish banks: Swish to handle bank transfers and payments." Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-33009.
Full textGirardone, Claudia. "Analysing the determinants of bank efficiency : the case of Italian banks." Thesis, Bangor University, 2000. https://research.bangor.ac.uk/portal/en/theses/analysing-the-determinants-of-bank-efficiency--the-case-of-italian-banks(ef7f8529-ca0d-4a63-83f5-fe8231c89716).html.
Full textSimion, Giorgia <1990>. "The Funding of Italian banks: determinants of bank bond yield spread." Master's Degree Thesis, Università Ca' Foscari Venezia, 2014. http://hdl.handle.net/10579/4941.
Full textZhulmanova, Ainur. "Finanční analýza Evropsko-ruské banky, a.s." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-193136.
Full textArshad, Rizwan. "Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC." Thesis, Umeå universitet, Företagsekonomi, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-82730.
Full textThurston, Karen. "Morphological evolution of nearshore sand banks : the Great Yarmouth banks, UK." Thesis, University of East Anglia, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.551252.
Full textTam, Pui-sun, and 譚珮璇. "The Bank of China Group in Hong Kong: its changing role and future direction." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1995. http://hub.hku.hk/bib/B31954480.
Full textKoivusalo, Anna, and Mouaz Mansour. "Comparison of Performance Between Social and Conventional Banks : An Empirical Study of Banks in Europe." Thesis, Umeå universitet, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-149925.
Full textColombi, Ana Paula Fregnani 1984. "Entre a fragmentação e a ação unificada : uma análise da atuação do Sindicato dos Bancários e Financiários de São Paulo, Osasco e região durante os anos 2000." [s.n.], 2014. http://repositorio.unicamp.br/jspui/handle/REPOSIP/286502.
Full textDissertação (mestrado) - Universidade Estadual de Campinas, Instituto de Economia
Made available in DSpace on 2018-08-24T14:58:49Z (GMT). No. of bitstreams: 1 Colombi_AnaPaulaFregnani_M.pdf: 2955686 bytes, checksum: e19c0e21f1ae7ecb1b95811efcc5f5a2 (MD5) Previous issue date: 2014
Resumo: O objetivo deste trabalho consiste em analisar a atuação do Sindicato dos Bancários e Financiários de São Paulo, Osasco e Região durante os anos 2000 na tentativa de manter sua representatividade perante os trabalhadores e seu reconhecimento diante da sociedade num contexto de profundas mudanças no capitalismo contemporâneo com crescentes desafios à ação coletiva. A dissertação estrutura-se em três momentos: o primeiro visa reconstituir a trajetória da agenda sindical da referida instituição nos diferentes momentos de sua história com o intento de estabelecer um ponto de referência para a análise de sua atuação contemporânea; o segundo enfoca a descrição das atuais mudanças no setor, no conteúdo do trabalho e no perfil da categoria à luz das transformações no capitalismo contemporâneo com o intuito de elucidar os impactos negativos desses processos sobre a capacidade de mobilização coletiva dos bancários; e o terceiro trata da descrição das estratégias adotadas durante os anos 2000 pelo sindicato pesquisado para fazer frente ao cenário de dificuldades imposto à ação coletiva para, por fim, em perspectiva histórica, analisar e dar significação à sua atuação. A pesquisa mostra que a referida instituição logrou levantar as questões consideradas relevantes para a categoria, exercendo sua capacidade de representação dos interesses dos trabalhadores e dialogando com as aspirações dos bancários dentro dos limites colocados pela forma de organização do trabalho, que tende a individualizar e fragmentar os interesses da categoria e dificultar estratégias com sentido universalizante
Abstract: The aim of this research is to analyze the performance of the São Paulo Bank Workers¿ Union during the 2000s, in an attempt to maintain their representativeness and their acceptance in society in a context of deep changes in contemporary capitalism marked by growing challenges to collective action. The dissertation is divided into three parts: the first aims to reconstruct the past trajectory of the São Paulo Bank Workers¿ Union agenda at different times in its history as a way to establish a reference point for the analysis of its contemporary performance; the second focuses on the description of current changes in the banking system, in the profile and tasks of bank workers who have been impacted by the transformation of contemporary capitalism, as a way of highlighting the negative impacts of these processes on the capacity of bank workers to undertake collective mobilizations; and the third describes the strategies adopted during the 2000s by the São Paulo Bank Workers¿ Union as a response to the difficulties in adopting collective actions, as a way of analyzing and giving meaning to their actions in a historical perspective. The research illustrates that the São Paulo Bank Workers¿ Union succeeded in raising issues considered relevant to the profession, exercising its capacity to represent the interests of workers and dialoguing with their aspirations within the limits placed by the new forms of workplace organization that tend to individualize and to fragment the workers' interests, hindering strategies with a more universal scope
Mestrado
Economia Social e do Trabalho
Mestra em Desenvolvimento Econômico
Tam, Chiu-han Sandy. "Strategic aspects of information technology in the banking industry in Hong Kong /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B18836215.
Full textChaney, Shea Turman. "Automation of Dominion Bank's federal reserve bank account." Master's thesis, This resource online, 1992. http://scholar.lib.vt.edu/theses/available/etd-03302010-020230/.
Full textFerret, Mas Josep. "Distributive justice, political legitimacy, and independent financial insitutions." Doctoral thesis, Universitat Pompeu Fabra, 2016. http://hdl.handle.net/10803/399031.
Full textEn aquesta tesi defensa que la legitimitat de la independencia dels bancs centrals independents pot ser reconeguda per una concepció amplia de l'instrumentalisme. Si el disseny institucional és l'adequat, i protegiex la participació democriitica de diverses formes i promou els valors distributius basics del govern, la institució dels bancs centrals independents pot ser legítima, i per tant el govern no debilita el seu dret a governar, ni la seva autoritat moral per crear obligacions polítiques subjectes de ser executables, quan delega les seves funcions en una agent independent. Així mateU: presento una visió suficientarista dels deures de justicia distributiva del banc central, que sosté que la preocupació per ai"llar la política monetaria de la manipulació electoralista no requereU: perseguir com a únic objectiu la eliminació de la ineficiencia. Els bancs centrals independents han de protegir els individus de l'atur, atesa la influencia de la política monetaria en les polítiques d'ocupació, i han de gestionar els riscos generats per la regulació financera de manera que no impedeixin la provisió d'un mínim social, que és una pre-condició per a la legitimitat de qualsevol conjunt d'institucions basiques estructurals. Finalment, l'aspecte internacional de la tesi explora quatre arguments per justificar que les assimetries entre els pai"sos menys competitius i els seus competidors s'han exacerbat per la creació de l'Eurozona i no poden ser gestionades adequadament si es confia solament amb la solidaritat intra-estatal.
Lundberg, Martin, and Viktoria Börjesson. "Vilka faktorer påverkar lönsamheten hos banker med skilda ägarstrukturer?" Thesis, Högskolan i Skövde, Institutionen för handel och företagande, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-18777.
Full textBanks could be seen as the catalyst for the financial system and therefore often seen as an important role for the economy's growth and for peoples’ wellbeing. It’s not only important for the bank itself to be profitable, but also for the country as a whole. Around the globe there are quite a large number of different banks, that is run differently and has different types of owner structures. Commercial banks in Sweden are owned by thousands and thousands of owners and are driven on an operative level by a CEO and with an executive board on an organizational level. In Switzerland there is a broad spectrum of different banks and different corporate forms. One of them is partnership banks, these banks have partners (i.e. owners) who work as CEOs’, executive board and owners combined. There are other studies that has analyzed the relationship between bank ownership and profitability. These studies show inconsistent results. This study aims to examine two extreme cases, Swedish banks with a broad ownership base versus swiss banks with a very limited number of owners to illustrate how the ownership affects the profitability. The study aims to examine why these banks exhibit different levels of profitability and if these differences can be explained by a few conventional explanatory variables. To examine these banks the study has done a comparative quantitative study, where three swiss partnership banks has been compared with three Swedish banks during the period 2014-2018. The data that has been gathered is based on a key-figure analysis and a PEST-analysis. The data has then been analysed with constructed regression models to understand, if or to which extent the explanatory variables explains the differences in profitability. The results of this study exhibit that there are differences in profitability between the Swedish and Swiss banks. However, the study can’t establish if most of the chosen explanatory variables are significant. And therefore, the study cannot establish whether or not these variables have an impact on the profitability key-figures return on equity and return on total capital. To be sure if these variables are significant or not, future studies need to examine a longer time period. This study has a shortage of data due to the swiss banks. These banks started to publish annual reports in 2014. It’s worth mentioning that previous studies that have used the same variables have been able to show that these are significant, or at least most of them. This is often due to longer examined time periods or a larger number of banks included in the data. The results of this study have been analysed and compared with previous studies and the agency theory.
Mawocha, Tineyi Emmanuel. "The disintermediation of commercial banks by non-bank financial institutions in Swaziland." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/985.
Full textENGLISH ABSTRACT: This research is influenced by and starts from the work carried out by the IMF in Swaziland, wherein they comment about the significant growth in the use of savings and credit co-operatives compared with that of commercial banks. They also report the lack of growth of the financial sector resulting in sluggish economic growth. This report sets out to establish through a survey, the attitude of the Swazi public towards commercial banks, and to establish if indeed there is a deliberate move away from commercial banks to non-bank financial institutions in general. In the process the reasons for migrating from commercial banks are established. In addition, the ultimate use of funds borrowed in general, is also investigated. Specifically for those people who use non-bank financial institutions (NBFIs), the research further probes the uses of such funds, and whether or not such funds are likely to affect economic growth. The survey is augmented by results from questionnaires responded to by selected microfinance institutions (MFIs) as a means of cross-checking and validating results obtained from the public survey. Findings are that in Swaziland, while the growth of savings and credit co-operatives (SACCOs) is acknowledged, there does appear to be a tendency to still use commercial banks by the economically active population. Borrowing tends to be for school fees, followed by the purchase of building materials for constructing rural homes on ancestral land, as well as for personal use and business activities. It also appears that the majority of users of financial intermediaries are civil servants, which comes as no surprise as government is the largest employer. The conclusion is that Swaziland’s problems with sluggish economic growth appear to be from more than a shallow financial sector, but a myriad of other reasons that have not been explored in this study.
AFRIKAANSE OPSOMMING: Die navorsing is gebaseer op die uitkoms van die werk uitgevoer deur die Internasionale Monetêre Fonds (IMF) as vertrekpunt, waarin hulle meer beduidende groei in die gebruik van spaar en krediet-kooperatiewe gevind het in vergelyking met die trae groei in die gebruik van kommersiële banke. In dieselfde verslag haal hulle ook aan dat die gebrek aan voldoende groei in die finansiële sektor onderliggend is aan die stadige ekonomiese groei. Hierdie verslag bepaal deur middel van ‘n opname, die gesindheid van die Swazi-publiek teenoor kommersiële banke om vas te stel of daar ‘n opsetlike voorkeur vir nie-finansiële instellings is, bo kommersiële banke. Die studie ondersoek ook die spesifieke gebruik en toepassing van fondse verkry vanaf nie-finansiële kooperatiewe en of die gebruik daarvan ‘n negatiewe impak op ekonomiese groei het. Die uitkoms van hierdie ondersoek word bevestig deur die bevindinge van vraelyste wat deur geselekteerde mikro-finansiële instellings voltooi is, te vergelyk met die bevindinge van publieke opnames. Die bevindinge vir Swaziland is dat alhoewel daar groei is in die spaar-en krediet-kooperatiewe, daar steeds ‘n tendens onder die ekonomies aktiewe populasie is om gebruik te maak van kommersiële banke. Lenings word hoofsaaklik gebruik vir die befondsing van skoolgelde, daarnaas vir die aankoop van boumateriaal vir die konstruksie van landelike huise in voorvaderlike gebiede wat deur stamleiers toegeken word, sowel as vir persoonlike gebruik en besigheidsfinansiering. Dit wil ook voorkom asof die meerderheid van die leners staatsamptenare is. Dit is te verwagte, aangesien die regering die grootste werkgewer is. Die gevolgtrekking van die ondersoek is dat Swaziland se trae ekonomiese groei meer onderliggende beperkende oorsake het as bloot net die oppervlakkige uitwerking van die (kommersiële) finansiële sektor. Hierdie onderliggende redes word nie verder ondersoek as deel van hierdie studie nie.
Gerdovci, Valon. "Deutsche bank - European banks." Master's thesis, 2019. http://hdl.handle.net/10362/73503.
Full textHui-FenSu and 蘇慧芬. "Exploring Taiwanese Banks’ Acquisition of Banks in China : A Case Study of Taipei Fubon Bank's Acquisition of Hwai Bank." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/w9yyd8.
Full text國立成功大學
高階管理碩士在職專班(EMBA)
103
The data collected included bibliographic references and in-depth interviews with executives of both First Sino Bank and Taipei Fubon Bank. The data collection procedures aimed to investigate how Taiwanese Banks dealt with the slow process of getting the approval of establishing a non-branch bank, and how the First Sino Bank opened the opportunities for share reform due to the fact that its major shareholder, Lotus International Bank, wasn’t qualified as a financial and banking institute. According to Regulation on Administration of Foreign Banks, the shareholders of joint venture banks must be qualified commercial banks or financial and banking institutes. The findings showed that the acquisition of banks in China can reduce time and cost of investment in developing market and increase profitability. The study also addressed Taiwanese banks entering Chinese financial market through acquisition. It is hoped that the findings of the study would provide some guidelines on overseas investment for financial and banking institutions in Taiwan.
Tvarohová, Renata. "Investiční bankovnictví." Master's thesis, 2014. http://www.nusl.cz/ntk/nusl-340576.
Full textLin, Chih-Yung, and 林智勇. "Government Banks, Political Interference and Bank Privatization." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/44738751314964974046.
Full text臺灣大學
財務金融學研究所
98
This dissertation consists of three essays on Government Banks, Political Interference and Bank Privatization. The first essay is “De-Privatization: Do Government Banks Perform Better? A Political Interference View.” The second essay is “Bank Privatization, Country Governance, Investor Protection and Bank Regulation.” The third essay is “When Does the Privatization of Banks Improve Performance? Transient or Persistent Effect.” Last, we present the conclusions in last section. Essay 1: De-Privatization: Do Government Banks Perform Better? A Political Interference View Many studies report that government-owned banks underperform compared with private-owned banks. However, no empirical studies have examined the reasons for this evidence. This study addresses this gap using banks from 37 countries from the period 1993 to 2007. For simplicity’s sake, the underperformance of government-owned banks (GOB) is referred to as the “GOB effect.” Two matching methods, the Nearest-Neighbor Matching and Mahalanobis Metric Matching, are adopted to seek matched banks (e.g. sharing similar characteristic variables) located in the same country. We define political interference as the process by which government-owned banks are mandated to merge with a distressed bank. We will then show that government-owned banks, after merging with a distressed bank, suffer adverse performance. This evidence indicates that political interference may be the cause of underperformance. Furthermore, we observed that government-owned banks that did not experience any political interference generally perform as well as private-owned banks. Therefore, we reiterate that political interference negatively affects government banks’ performance, and the GOB effect in stereotypical image is a consequence of political influences. Essay 2: Bank Privatization, Country Governance, Investor Protection and Bank Regulation Many studies report that the privatization of government-owned banks (GOBs) can enhance their performance. For simplicity’s sake, the improvement of bank privatization referred to as the “privatization effect”. However, no empirical studies have examined why privatization effect exists in some countries, but not in others. This study addresses this gap using bank privatization from 43 countries during 1992~2007. Two matching methods, the Nearest-Neighbor Matching and Mahalanobis Metric Matching, are adopted to seek matched banks (e.g. sharing similar characteristic variables) located in the same country. We propose four hypotheses and find that the privatization effect are enhancing when countries with worse country governance, weak investor protection and fewer bank activity regulation. Essay 3: When Does the Privatization of Banks Improve Performance? Transient or Persistent Effect This study compares the performances of privatized banks from 43 countries during 1992-2007 by using four matching theories, Nearest-Neighbor Matching, 1-to-2 Nearest Neighbor Matching, Mahalanobis Metric Matching, and 1-to-2 Mahalanobis Metric Matching. The evidence demonstrates the following: first, the privatized banks outperform non-privatized banks in terms of return on equity (ROE), net interest margin (NIM) and non-performance loan (NPL) but are tied in terms of return on asset (ROA); second, in most cases, full privatization is more effective than partial privatization in improving bank performance ; third, the results demonstrate that privatization through asset sales yield a better performance; and finally, the results demonstrate that improved performance, measured in terms of profitability, is exhibited more in the long-term while with respect to improved performance in terms of asset quality, the improvements are more prevalent in the short-term.
Hsieh, Meng-Cheng, and 謝孟呈. "The study on the bank capital structure adjustments for the domestic banks and foreign banks." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/61580042876156619558.
Full text逢甲大學
財務金融學系碩士班
104
The study examines the bank capital structure adjustments for domestic banks and foreign banks. The data is extracted from Bankscope, ranging from 2004 to 2014. The sample consists of 334 commercial banks of 8 countries. We extend the partial adjustment model to capture the effect of global capital liquidity and financial regulation conditions. We compare the difference of the speed of adjustment between the foreign banks and domestic banks in the alternative situations. The result shows there is no significant difference in the speeds of capital adjustments between the foreign banks and domestic banks in the whole sample. However, there exists difference in the speeds of capital adjustments between the foreign banks and domestic banks in the sample countries. The result also shows that the globe capital liquidity and financial regulation are important factors for banks to adjust their capital structure. The countries with financial liberalization in our sample, such as Taiwan, Hong Kong, and Japan, the banks with high capital adequacy ratios intend to adjust their capital structures faster than the banks with low capital adequacy ratios.
Fonseca, Gonçalo Tavares Ferreira Ciravegna da. "Does bank credit risk impact deposit allocation in commercial banks? : the case of US commercial banks." Master's thesis, 2017. http://hdl.handle.net/10400.14/31364.
Full textNos últimos anos, com a ocorrência de várias crises bancárias por todo o mundo, o risco de crédito dos bancos tornou-se um foco para o mercado. Este Trabalho Final de Mestrado tem como objetivo analisar se os depositantes têm em consideração o risco de crédito dos bancos quando decidem alocar os seus depósitos. De facto, este tópico raramente é o foco da análise de pesquisas no setor bancário, que apresentam poucas conclusões neste âmbito. Com vista ao desenvolvimento deste trabalho, um modelo de procura de depósitos foi definido e estimado, aplicando a metodologia das características e especificações multinomial logit e nested multinomial logit. Várias características observáveis dos bancos foram incluídas na nossa análise, como por exemplo a taxa de juro de depósitos, comissões de serviço, número de balcões, número de empregados, tamanho do banco e risco de crédito. Tendo por base a análise de bancos comerciais americanos entre os anos 2009 e 2015, as conclusões sugerem que os depositantes reagem à taxa de juro dos depósitos e ao tamanho do banco de uma forma positiva e estatisticamente significativa. Para além disso, os depositantes também têm em consideração a diversificação geográfica dos bancos, mas não reagem ao risco de crédito de uma forma estatisticamente significativa, no momento de alocar os seus depósitos.
Shiang, Sz-Ying, and 向思穎. "The Effects of Commercial Banks’ Engagement in Non-Bank Activities on Banks’ Performance - Evidence From China." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/77627001767594080856.
Full text國立臺灣大學
財務金融學研究所
100
This paper studies whether Chinese banks engaging in non-bank activities can improve banks’ performance. We conduct an empirical study of banks’ expansion into securities using 16 listing commercial banks’ data from 2006 to 2009. By using three existing models of commercial banks engaging in non-bank activities in China: the financial holding companies, banks with securities subsidiaries, and banks with securities department, we examine the impact of different models on banks’ profits. The result shows that only financial holding company model has positive effect on banks’ ROA. In recent years China banks actively move toward participation in other financial service, and our study shows that the financial holding company model seems to be a feasible way in China. The result shows that only financial holding company model has positive effect on banks’ ROA. In recent years China banks actively move toward participation in other financial service, and our study shows that the financial holding company model seems to be a feasible way in China.
Rocha, Joana Isabel Pereira da. "The determinants of Bank Lending in Commercial Banks." Master's thesis, 2017. http://hdl.handle.net/10400.14/23625.
Full textThis thesis develops and estimates a demand model for commercial bank loan services to assess the determinants of consumer bank lending choice involving commercial banks. Following the discrete choice literature, consumers typically respond to price and product characteristics. Using data from the U.S. banking industry from 2011 to 2015, the results suggest that consumers respond negatively to an increase in service fees and in loan interest rates. Furthermore, they indicate that consumers prefer younger banks and that asset risk does not influence the decision-making process.
Mykhayliv, Dariya. "The Economic Efficiency and Profitability of Social Banks." 2016. http://hdl.handle.net/10454/11236.
Full textThe financial crisis of 2008 provides evidence for the instability of the conventional banking system. Social banks may present a viable alternative for conventional banks. This paper analyzes the performance of social banks related to the bank business model, economic efficiency, asset quality and stability by comparing social banks with banks where the difference is likely to be large, namely with the 30 global systemically important banks (G-SIBs) of the Financial Stability Board over the period 2000-2014. We also analyze the relative impact of the global financial crises on the bank performance. The performance of social banks and G-SIBs is surprisingly similar.
Mykhayliv, Dariya, and K. G. Zauner. "The Financial and Economic Performance of Social Banks." 2016. http://hdl.handle.net/10454/11242.
Full textMykhayliv, Dariya, and K. G. Zauner. "The financial and economic performance of social banks." 2018. http://hdl.handle.net/10454/16203.
Full textThe financial crisis of 2008 provides evidence for the instability of the conventional banking system. Social banks may present a viable alternative for conventional banks. This article analyses the performance of social banks related to the bank business model, economic efficiency, asset quality, and stability by comparing social banks with banks where the difference is likely to be large, namely with the 30 global systemically important banks (G-SIBs) of the Financial Stability Board over the period 2000–2014. We also analyse the relative impact of the global financial crisis on the bank performance. The performance of social banks and G-SIBs is surprisingly similar.
MING, KUO TUNG, and 郭東明. "Performance Assessment-DEA Holding bank subsidiaries and independent banks." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/32372575410115238883.
Full text輔仁大學
金融與國際企業學系金融碩士在職專班
102
Our government developed the internationalized and diversified banking system aggressively by repealing the limit of interest rate and currency rate, and on the other hand, it allowed establishing new banks, which lead to intense competition and the increase of non-performing loans. Therefore, after modifying the laws of banking, this promoted some new holding corporations. They need to confront the challenge to international banking organizations with centralized equity, diversified management, transparent supervision, and huge organization; furthermore, they have to provide the service of one-stop shopping for consumers as well. However, as for if the holding bank could reduce the cost and raise the management effects by reaching the scale of economics, raising the share of market, or integrating all effective property in-house to dispose properly, this research will go through this main issue in details. In this research it will measure the effects of domestic holding bank subsidiaries and independent bank by Data Envolopment Analysis (DEA), comparing within 25 domestic banks from 2010 to 2012 and do the analysis. It derives the conclusion as following: 1.The independent bank is more efficient than holding bank subsidiaries. 2.Both of the holding bank and independent bank show a situation of over-commitment. To avoid this problem, they should raise the ratio of output or reduce the ratio of input. 3.The bank for the most references is CT Bank, applying that every performance of Ct Bank is worthy of learning by the holding bank and independent bank.