Journal articles: 'Channel banks'

1

Rapti, Saila Sarmin, and Md Masudur Rahman. "Success Factors in Alternative Delivery Channels of Banking: Innovative Solutions to Meet the Challenges of Bank of the Future." Asian Journal of Managerial Science 11, no. 2 (October 28, 2022): 12–25. http://dx.doi.org/10.51983/ajms-2022.11.2.3246.

Full text

Abstract:

This paper aims at understanding the success factors in the Alternative Delivery Channel (ADC) of different scheduled commercial banks in Bangladesh. This research includes the most commonly used channels provided by commercial banks such as ATM, POS, Credit/debit card, mobile banking, internet banking, agent banking, etc. The research methodology involves collecting both primary and secondary data. The primary data was sourced from the questionnaire prepared to find out the significant factors that responsible for the successful venture of any alternative delivery channel of the scheduled banks. The clients were selected based on their services received from ADCs and the sample size is 144. The study also focuses on the reasons why some banks are so successful in this area, why some banks are not. For the secondary data, the authors have taken the individual bank’s data from Bangladesh Bank. The secondary data enabled to assess of the present scenario of the ADC facilities of the commercial banks in Bangladesh. The study will help policymakers to detect the challenges of promoting alternative delivery channels in the banking sector and make solutions to meet the challenges of the future banking system.

APA, Harvard, Vancouver, ISO, and other styles

2

Sarkar, Sanjukta, and Rudra Sensarma. "Risk-taking Channel of Monetary Policy: Evidence from Indian Banking." Margin: The Journal of Applied Economic Research 13, no. 1 (December 6, 2018): 1–20. http://dx.doi.org/10.1177/0973801018800088.

Full text

Abstract:

Some recent articles have studied the link between the central bank’s monetary policy stance and the risk-taking behaviour of banks in the context of advanced economies. Loose monetary policy can encourage banks to reach for yield, which will increase their share of risky assets, and also induce them to use more short-term funding. We empirically examine the existence of this risk-taking channel of monetary policy transmission in India. We find that expansionary monetary policy may increase default risk particularly for foreign banks and new private sector banks. We also find that tightening of monetary policy leads to lower liquidity risk and market risk and the effects are stronger for foreign banks than for other bank groups. In terms of market risk, the effect on foreign banks is weaker in cases of monetary tightening compared to expansion. JEL Classification: G21, G28, G32

APA, Harvard, Vancouver, ISO, and other styles

3

Menrad, Michael. "Systematic review of omni-channel banking and preview of upcoming developments in Germany." Innovative Marketing 16, no. 2 (June 22, 2020): 104–25. http://dx.doi.org/10.21511/im.16(2).2020.09.

Full text

Abstract:

Banks have not come to rest since the 2008 banking crisis and have been struggling for their future ever since. In addition to serious market distortions, there are increasingly digital challenges and investments in the banks’ platforms to remain competitive and continue to meet customer requirements. Other industries are showing the banks how to do it and investing heavily in the networking of distribution channels to form an omni-channel system, as this is where all interfaces converge. The banking industry has also recognized this groundbreaking approach in the distribution channel. Academic literature is also increasingly examining omni-channel management, but studies in the banking industry are still sparse. This study uses multi-method research in the form of a systematic literature review and semi-structured qualitative bank expert interviews to examine omni-channel management in the banking industry. Thereby, the state of scientific research and the future objectives of the banks are analyzed. Bank experts in Germany explain what bank customers will expect, how far German banks have progressed in implementing an omni-channel system, and how the bank-customer relationship will change. Findings show that banks will completely transform their distribution by omni-channel management by breaking with existing structures and creating a new customer experience and higher customer value. The paper provides critical insight into what omni-channel integration means for the banking sector.

APA, Harvard, Vancouver, ISO, and other styles

4

Kuchciak, Iwa, and Justyna Wiktorowicz. "Empowering Financial Education by Banks—Social Media as a Modern Channel." Journal of Risk and Financial Management 14, no. 3 (March 12, 2021): 118. http://dx.doi.org/10.3390/jrfm14030118.

Full text

Abstract:

Financial literacy is extremely important, both from the perspective of the financial well-being of individuals and the stability of the financial market and the whole economy. The more financially literate a bank’s customers are, the more frequently and consciously they use financial products and services. Thus, banks are potentially significant stakeholders in the financial education process. Considering that social media have become the leading channel for communication and relationship building, especially regarding young clients, this channel should also be used by banks to increase financial literacy. The aim of this paper is to assess banks’ involvement in financial education activities through social media. We assume that banks use social media as a modern and attractive channel for improving financial education among social media users. The empirical analysis was conducted using several data sources, including non-financial statements and a unique self-collected dataset that describes the specifics of the most popular social media platforms (like Facebook, Twitter, YouTube, Instagram, GoldenLine, and LinkedIn) in the activities of commercial and cooperative banks in Poland between 2010 and 2019. Descriptive statistical methods and cluster analysis were used. The results show that educational activities provided by banks in Poland differ for each social media channel. Additionally, although financial education topics have become more popular among content published by banks, there is a huge disproportion between cooperative and commercial banks. Generally, banks that are more active on social media (mostly commercial banks) also pay more attention to the financial education context.

APA, Harvard, Vancouver, ISO, and other styles

5

GADD, G. E. "Boat Wash at Channel Banks." Water and Environment Journal 9, no. 1 (February 1995): 49–54. http://dx.doi.org/10.1111/j.1747-6593.1995.tb00925.x.

Full text

APA, Harvard, Vancouver, ISO, and other styles

6

Theingi, Theingi, Hla Theingi, and Sharon Purchase. "Cross-border remittance between emerging economies: an institutional perspective." Journal of Business & Industrial Marketing 32, no. 6 (July 3, 2017): 786–800. http://dx.doi.org/10.1108/jbim-06-2015-0112.

Full text

Abstract:

Purpose The purpose of this paper is to investigate how institutional mechanisms operate within both formal and informal channels of cross-border remittance. Design/methodology/approach Face-to-face interviews were conducted with Myanmar migrants mostly working in Thailand. Thematic coding was used to analyze field notes and identify themes in channel member perceptions and institutional environmental process. Findings Informal money transfer channels have achieved higher levels of legitimacy when compared to formal channels. Channel legitimacy is a more important attribute than efficiency. Lack of financial infrastructure, such as bank branches and ATM machines particularly in rural or outlying areas of Myanmar, the requirements for formal documentation and language and communication are the major institutional constraints that encourage the development and use of multiple channels in Myanmar. Formal money transfer channels develop with stronger regulative institutional processes, whereas informal money transfer channels develop with stronger cultural-cognitive and normative institutional processes. Research limitations/implications Using convenience sample of remitters mainly from one area of Thailand and other channel members from Yangon, the financial capital of Myanmar, may limit the applicability of the findings, which calls for future research. Practical implications Banks and money transfer offices need to improve legitimacy perception within migrant communities by building stronger networks with local banks and international banks. They could provide Myanmar speaking front-line service personnel and include brochures in the Myanmar language to improve the communication process. The findings and recommendations from this study are also applicable to informal channels and formal financial institutions in other ASEAN countries that are preparing to make investments in Myanmar. Moreover, Myanmar banks should also consider opening branches to cater for Myanmar workers in ASEAN, especially in Thailand, Singapore and Malaysia. Originality value This paper applies institutional theory within channels, investigates the context of a financial channel rather than a product channel, addresses the importance of institutional environmental mechanisms and constraints in influencing channel behavior and is embedded in the situational context of Myanmar, a newly opened South-East Asian economy where little prior research has been conducted.

APA, Harvard, Vancouver, ISO, and other styles

7

Ansari, Jugnu, and Saibal Ghosh. "Monetary Policy Pass-through, Ownership and Crisis: How Robust is the Indian Evidence?" Margin: The Journal of Applied Economic Research 15, no. 4 (November 2021): 456–83. http://dx.doi.org/10.1177/09738010211036276.

Full text

Abstract:

Employing disaggregated data for 2001–2016, this study investigates the lending and loan pricing behaviour of state-owned and domestic private banks in response to monetary policy. Three major findings emerge. First, although both the interest rate and the bank lending channels are relevant for monetary pass-through, there is a trade-off: the impact of the former is much higher than the latter, although it occurs with a significant lag. Second, domestic private banks have a far greater response to a monetary policy shock under the interest rate channel, whereas state-owned banks display a greater response under the bank-lending channel. And finally, state-owned banks cut back lending during periods of crises, although no such response is manifest in domestic private banks. JEL Codes: C23, D4, E43, E52, G21, L10

APA, Harvard, Vancouver, ISO, and other styles

8

Simpasa, Anthony, Boaz Nandwa, and Tiguéné Nabassaga. "Bank lending channel in Zambia: empirical evidence from bank level data." Journal of Economic Studies 42, no. 6 (November 9, 2015): 1159–74. http://dx.doi.org/10.1108/jes-10-2014-0172.

Full text

Abstract:

Purpose – The purpose of this paper is to explore the effect of monetary policy on the lending behaviour of commercial banks in Zambia using bank-level data. Design/methodology/approach – Dynamic panel data econometric analysis is used to uncover the evidence of monetary transmission mechanism in Zambian banking industry. Other specifications are used as robustness checks. Findings – Contrary to received evidence, the authors find that the bank lending channel in Zambia operates mainly through large banks. The effect of monetary policy on medium-sized banks is moderate while it is virtually non-existent for smaller banks. Furthermore, the data does not show evidence of relationship lending for smaller banks. Originality/value – Overall, the findings of this investigation suggest that price signals, rather than quantity aggregates, matter the most in the transmission of monetary policy in Zambia. The results therefore lend support to the central bank’s recent shift in monetary policy framework from using monetary aggregates to interest rate targeting as a means to strengthen effectiveness of monetary policy.

APA, Harvard, Vancouver, ISO, and other styles

9

Świtała, Filip, Iwona Kowalska, and Karolina Malajkat. "Size of Banks as a Factor Which Impacts the Efficiency of the Bank Lending Channel." e-Finanse 16, no. 1 (March 1, 2020): 36–44. http://dx.doi.org/10.2478/fiqf-2020-0005.

Full text

Abstract:

AbstractIn most economies the banking sector plays the major role in the financial system. Therefore, it is of great importance to analyse and understand the mechanism of transmission of monetary policy and its impact on the banking sector. One of the possible repercussions of changing the level of official interest rates is the ability to influence the size of bank lending, by means of the bank lending channel. The key aspect our research is a thorough understanding of the functioning of the bank lending channel, with the main goal of this study being an examination of the efficiency of monetary policy transmission through the bank lending channel depending on the size of banks in the sector. This paper examines the abovementioned relation using annual data from 1995-2015 by 1709 commercial and cooperative banks from 27 EU countries and analyzing them in various econometric models. The results indicate that there is a positive impact of a bank’s size on loan growth (defined as the bank size increases, the impact of changes in interest rates in the bank’s lending policy is getting smaller), however, interaction between the variables of size and the interest rate, was proved to be insignificant (in the group of all analysed banks, as well as in commercial and cooperative banks separately).

APA, Harvard, Vancouver, ISO, and other styles

10

Wang, Cong, and Lihuan Zhuang. "Bank liquidity and the risk-taking channel of monetary policy: An empirical study of the banking system in China." PLOS ONE 17, no. 12 (December 27, 2022): e0279506. http://dx.doi.org/10.1371/journal.pone.0279506.

Full text

Abstract:

This paper addresses the impact of bank liquidity on risk-taking behaviour of Chinese banks, and provides evidence for a risk-taking channel of monetary policy operating through bank liquidity. By using bank-level panel data from 123 Chinese commercial banks during 2003–2018, it is found that banks facing lower liquidity risk will be encouraged to take more risk. Moreover, loose monetary policy leads to more aggressive risk-taking by reducing the bank liquidity risk, namely a liquidity risk-taking channel of monetary policy. These findings suggest that authorities should give full consideration to the influence of the monetary policy on bank risk-taking through bank liquidity channels.

APA, Harvard, Vancouver, ISO, and other styles

11

Tanaka, Yuichi, and Akie Sakiyama. "$M$ -Channel Oversampled Graph Filter Banks." IEEE Transactions on Signal Processing 62, no. 14 (July 2014): 3578–90. http://dx.doi.org/10.1109/tsp.2014.2328983.

Full text

APA, Harvard, Vancouver, ISO, and other styles

12

Cushman, M., M. J. Narasimha, and P. P. Vaidyanathan. "Finite-channel chromatic derivative filter banks." IEEE Signal Processing Letters 10, no. 1 (January 2003): 15–17. http://dx.doi.org/10.1109/lsp.2002.806706.

Full text

APA, Harvard, Vancouver, ISO, and other styles

13

Ryan, Stephen G. "Recent Research on Banks’ Financial Reporting and Financial Stability." Annual Review of Financial Economics 10, no. 1 (November 2018): 101–23. http://dx.doi.org/10.1146/annurev-financial-110217-022700.

Full text

Abstract:

Banks’ financial reporting requirements and discretionary choices may affect financial stability by altering one or more of the likelihood that banks violate regulatory capital requirements, banks’ internal discipline over risk management and financial reporting, and external market and regulatory discipline over banks. In this article, I discuss five recent empirical papers that examine these channels linking banks’ financial reporting to financial stability. I explain how these papers identify economic contexts and associated financial reporting constructs that enable powerful examinations of these channels, and how they employ research designs that meaningfully address the issues regarding valid causal inference raised by Acharya & Ryan (2016) . I conclude that, while each study examines a specific channel or two in a specific setting, collectively the literature is making steady progress in enhancing our understanding of the causal forces at play in the channels linking banks’ financial reporting and financial stability, the goal set forth by Acharya & Ryan (2016) . I also identify open questions that these papers suggest for future research on the effects of banks’ financial reporting on financial stability.

APA, Harvard, Vancouver, ISO, and other styles

14

et al., An. "Bank competition and the credit channel of monetary policy: Evidence from an emerging country." International Journal of ADVANCED AND APPLIED SCIENCES 8, no. 2 (February 2021): 85–91. http://dx.doi.org/10.21833/ijaas.2021.02.012.

Full text

Abstract:

Our study provides one of the first examinations in an emerging country on the credit channel of monetary policy transmission under the influence of competition. The study was conducted using a panel data of 30 joint-stock commercial banks in Vietnam in the period of 2008-2017. By applying the DGMM estimation method, we found that the existence of the influence of competition on monetary policy transmission through credit channels. The higher bank competitiveness will make monetary policy transmission via credit channels of commercial banks less effective. Large-scale commercial banks, because of a merger or equity increase, will increase their competitiveness because of increased market share, which will weaken the monetary policy transmission through credit channels. The estimation results from the two methods of competitiveness measurement-the Lerner index and the Boone index–are in a united direction but at different levels.

APA, Harvard, Vancouver, ISO, and other styles

15

SOKOLOVA, S. A., A. M. BAKSHTANIN, and E. S. BEGLYAROVA. "Study of channel processes and planned deformations of channels." Prirodoobustrojstvo, no. 4 (2022): 118–23. http://dx.doi.org/10.26897/1997-6011-2022-4-118-123.

Full text

Abstract:

This paper presents the results of studies of the processes of intense planned deformation of the channels, which are formed as a result of erosion and collapse of the banks by the flow. The substantiation of forecasting the channel-forming activity of the flow and its management is given. A generalization is given of the methods of combating the intensive collapse of river banks, the organization and technology of construction with obtaining reliability, economic efficiency and environmental cleanliness. To carry out channel straightening work on rivers flowing in arid areas, it is possible to use the design of a cut, which should have the smallest approach angle of the dynamic axis of the main flow, the greatest drop in the marks of the beginning and end of the cut, its short and straight route and the minimum amount of excavation. When assessing the effect of planned deformation on the stability of the channel, a formula is presented for calculating the depth of erosion, dimensionless criteria that determine the possibility of formation of erosion for various situations, which made it possible to select the types and designs of bank protection structures.

APA, Harvard, Vancouver, ISO, and other styles

16

Nguvava, Heriel Emanuel. "Influence of Transaction Cost Determinants on Credit Customer Category of Commercial Banks in Tanzania." African Journal of Accounting and Social Science Studies 4, no. 1 (August 18, 2022): 244–59. http://dx.doi.org/10.4314/ajasss.v4i1.13.

Full text

Abstract:

The provision of credit services in rural areas is a challenge as agriculture and other rural economic activities have unique characteristics of dependence on natural resources, long production cycles and vulnerability to multiple risks. This paper aims to analyse transaction cost as the determinants of the choice of credit customer category for commercial bank’s credit business scale-up in Tanzania. Primary data for this study were collected from 37 registered and licensed commercial banks in January 2018 through structured questionnaires. The main sources of secondary data were peer-reviewed journal articles on transaction cost economics and rural financing. Data were analysed quantitatively through the logistic regression method. Key findings revealed that commercial banks have failed to scale up their credit operations to rural-based customers due to high transaction costs. This fact emanated from commercial banks’ preference of transacting credits directly with individual borrowers instead of using intermediaries, thus multiplying transaction costs, especially when dealing with rural-based borrowers. Therefore, commercial banks believe to be better off with few urban-based credit customers. This study recommended that commercial banks should use multiple credit governance structures (CGSs)\ (methods for credits delivery) to mitigate transaction costs when giving credits. Direct channels should be opted for when dealing with urban-based borrowers since low transaction costs are involved. Indirect channels with intermediaries should be opted for when scaling-up credit operations to rural-based borrowers since they allow the spreading of credit transaction costs throughout the credit supply channel.

APA, Harvard, Vancouver, ISO, and other styles

17

Ben Uche, Dickson, Jane Nwakaego Anene, and Emezue Leonard Nnabugwu. "Effect of Distribution Channel Strategies on the Performance of Banks." Daengku: Journal of Humanities and Social Sciences Innovation 2, no. 2 (April 4, 2022): 104–16. http://dx.doi.org/10.35877/454ri.daengku732.

Full text

Abstract:

Effective distribution channel strategy selection, application, and management does not only help to meet the shopping needs and habits of the target customers efficiently under the cost restraints of the seller; they must also lessen the drawbacks caused by distribution channel conflicts such as double downgrading. This study evaluated the effect of distribution channel strategies on the performance of commercial banks in Nigeria. The objective of the study specifically was to identify the distribution channel strategies adopted by commercial banks in Nigeria and to determine the effect of the distribution channel strategies adopted on the performance of the bank. The study adopted a descriptive survey research design. The population of the study was 43 management staff of five commercial banks operating in Nigeria. Questionnaire was used as the tool for data collection. The data was analyzed and presented using percentages, mean and standard deviation. The study found that the branch network, electronic banking and multiple distributions were used by the banks. Marketing strategies being employed by the banks were aggressive marketing, mass marketing and value marketing, the study further found that the adopted distribution channel strategies have a significant effect on the performance of the banks. It was recommended among other things that; commercial banks should adopt those marketing distribution strategies that ensure the performance of the bank is improved and do away with those which adds costs so that the banks can compete effectively with the others and that they should embrace the concept whole heartedly by adopting electronic banking as already the battle for the banks is technology usage which should be one which offers customers more features.

APA, Harvard, Vancouver, ISO, and other styles

18

Tait, Alexander N., Thomas Ferreira de Lima, Mitchell A. Nahmias, Bhavin J. Shastri, and Paul R. Prucnal. "Multi-channel control for microring weight banks." Optics Express 24, no. 8 (April 14, 2016): 8895. http://dx.doi.org/10.1364/oe.24.008895.

Full text

APA, Harvard, Vancouver, ISO, and other styles

19

D. M. Temple. "FLOW RESISTANCE OF GRASS-LINED CHANNEL BANKS." Applied Engineering in Agriculture 15, no. 2 (1999): 129–33. http://dx.doi.org/10.13031/2013.5756.

Full text

APA, Harvard, Vancouver, ISO, and other styles

20

Denderski, Piotr, and Wojtek Paczos. "FOREIGN BANKS AND THE BANK LENDING CHANNEL." Economic Inquiry 59, no. 1 (August 24, 2020): 478–93. http://dx.doi.org/10.1111/ecin.12942.

Full text

APA, Harvard, Vancouver, ISO, and other styles

21

Drechsler, Itamar, Alexi Savov, and Philipp Schnabl. "The Deposits Channel of Monetary Policy*." Quarterly Journal of Economics 132, no. 4 (May 29, 2017): 1819–76. http://dx.doi.org/10.1093/qje/qjx019.

Full text

Abstract:

Abstract We present a new channel for the transmission of monetary policy, the deposits channel. We show that when the Fed funds rate rises, banks widen the spreads they charge on deposits, and deposits flow out of the banking system. We present a model where this is due to market power in deposit markets. Consistent with the market power mechanism, deposit spreads increase more and deposits flow out more in concentrated markets. This is true even when we control for lending opportunities by only comparing different branches of the same bank. Since deposits are the main source of liquid assets for households, the deposits channel can explain the observed strong relationship between the liquidity premium and the Fed funds rate. Since deposits are also a uniquely stable funding source for banks, the deposits channel impacts bank lending. When the Fed funds rate rises, banks that raise deposits in concentrated markets contract their lending by more than other banks. Our estimates imply that the deposits channel can account for the entire transmission of monetary policy through bank balance sheets.

APA, Harvard, Vancouver, ISO, and other styles

22

Xiong, Li, Ke Xu, Cong Hu, and Xiaojuan He. "Degree of Internationalization, Staff Localization and Bank’s Overseas Performance: Evidence from China's Top Four Banks." International Business Research 11, no. 9 (August 27, 2018): 119. http://dx.doi.org/10.5539/ibr.v11n9p119.

Full text

Abstract:

In international expansion, staff localization helps Chinese commercial banks to provide services to meet local needs. This paper explores the mediation effect of staff localization and refines the measurement of bank’s overseas performance, to reveal the transmit channel of how the degree of internationalization (DOI) affects bank’s overseas performance. With data from 2009 to 2015 of China’s top five banks as the sample to build a panel data model, the result suggests that staff localization fully mediates the relationship between DOI and bank’s overseas performance, and DOI exercises positive effect on the overseas performance of intermediary business, but no significant effect on the overseas performance of deposit/loan business. Implications and suggestions for bank’s overseas practice are discussed.

APA, Harvard, Vancouver, ISO, and other styles

23

Choudhury, Mousumi, and Ranjit Singh. "Customers’ Perception regarding Assurance of Bancassurance Channel." Acta Universitatis Sapientiae, Economics and Business 4, no. 1 (December 1, 2016): 85–102. http://dx.doi.org/10.1515/auseb-2016-0005.

Full text

Abstract:

AbstractBancassurance has evolved as a strong distribution channel in India. Bancassurance means that the insurance company and the bank come together to offer insurance products from the counter of the banks to the bank’s customer. The present study attempts to analyse customers’ perception regarding assurance of bancassurance channel in providing insurance-related services. The study also tries to find out the impact of various demographic variables on customers’ perception regarding assurance of bancassurance channel. The study finds that customers consider bancassurance channel having high assurance in providing insurance services. It is also found in the study that there is no significant association between the demographic variables considered in the study and customers’ perception regarding assurance of bancassurance channel.

APA, Harvard, Vancouver, ISO, and other styles

24

Stover, Jiana, Edward Keller, Tom Dudley, and Eddy Langendoen. "Fluvial Geomorphology, Root Distribution, and Tensile Strength of the Invasive Giant Reed, Arundo Donax and Its Role on Stream Bank Stability in the Santa Clara River, Southern California." Geosciences 8, no. 8 (August 14, 2018): 304. http://dx.doi.org/10.3390/geosciences8080304.

Full text

Abstract:

Arundo donax (giant reed) is a large, perennial grass that invades semi-arid riparian systems where it competes with native vegetation and modifies channel geomorphology. For the Santa Clara River, CA, changes in channel width and intensity of braiding over several decades are linked in part to high flow events that remove A. donax. Nevertheless, the area of A. donax at the two study sites increased fivefold over a period of 28 years at one site and fourfold over 15 years at the second site. Effects of A. donax on bank stability are compared to those of a common native riparian tree—Salix laevigata (red willow)—at two sites on the banks and floodplain of the Santa Clara River. There is a significant difference of root density of A. donax compared to S. laevigata and the latter has a higher number of roots per unit area at nearly all depths of the soil profile. Tensile root strength for S. laevigata (for roots of 1–6 mm in diameter) is about five times stronger than for A. donax and adds twice the apparent cohesion to weakly cohesive bank materials than does A. donax (8.6 kPa compared to 3.3 kPa, respectively). Modeling of bank stability for banks of variable height suggests that S. laevigata, as compared to A. donax, increases the factor of safety (FS) by ~60% for banks 1 m high, ~55% for banks 2 m high and ~40% for banks 3 m high. For 3 m high banks, the FS for banks with A. donax is <1. This has geomorphic significance because, in the case of A. donax growing near the water line of alluvial banks, the upper 10–20 cm has a hard, resistant near-surface layer overlying more erodible banks just below the near-surface rhizomal layer. Such banks may be easily undercut during high flow events, resulting in overhanging blocks of soil and A. donax that slump and collapse into the active channel, facilitating lateral bank erosion. Therefore, there is a decrease in the lateral stability of channels if the mixed riparian forest is converted to dominance by A. donax.

APA, Harvard, Vancouver, ISO, and other styles

25

Hernando, Ignacio, and María J. Nieto. "Is the Internet delivery channel changing banks’ performance? The case of Spanish banks." Journal of Banking & Finance 31, no. 4 (April 2007): 1083–99. http://dx.doi.org/10.1016/j.jbankfin.2006.10.011.

Full text

APA, Harvard, Vancouver, ISO, and other styles

26

Kleinhans, Maarten G., Lonneke Roelofs, Steven A. H. Weisscher, Ivar R. Lokhorst, and Lisanne Braat. "Estuarine morphodynamics and development modified by floodplain formation." Earth Surface Dynamics 10, no. 2 (April 29, 2022): 367–81. http://dx.doi.org/10.5194/esurf-10-367-2022.

Full text

Abstract:

Abstract. Rivers and estuaries are flanked by floodplains built by mud and vegetation. Floodplains affect channel dynamics and the overall system's pattern through apparent cohesion in the channel banks and through filling of accommodation space and hydraulic resistance. For rivers, effects of mud, vegetation and the combination are thought to stabilise the banks and narrow the channel. However, the thinness of estuarine floodplain, comprised of salt marsh and mudflats, compared to channel depth raises questions about the possible effects of floodplain as constraints on estuary dimensions. To test these effects, we created three estuaries in a tidal flume: one with recruitment events of two live vegetation species, one with mud and a control with neither. Both vegetation and mud reduced channel migration and bank erosion and stabilised channels and bars. Effects of vegetation include local flow velocity reduction and concentration of flow into the channels, while flow velocities remained higher over mudflats. On the other hand, the lower reach of the muddy estuary showed more reduced channel migration than the vegetated estuary. The main system-wide effect of mudflats and salt marsh is to reduce the tidal prism over time from upstream to downstream. The landward reach of the estuary narrows and fills progressively, particularly for the muddy estuary, which effectively shortens the tidally influenced reach and also reduces the tidal energy in the seaward reach and mouth area. As such, estuaries with sufficient sediment supply are limited in size by tidal prism reduction through floodplain formation.

APA, Harvard, Vancouver, ISO, and other styles

27

Liu, Jie, Limei Xu, and Qiaoyun Zhang. "The influence of the largest private shareholder on bank loans: Evidence from China." PLOS ONE 17, no. 10 (October 27, 2022): e0276877. http://dx.doi.org/10.1371/journal.pone.0276877.

Full text

Abstract:

We point out that the largest private shareholders can use their information advantage of the industry to influence banks’ industry lending behavior. Using a sample of Chinese city commercial banks, we find that increasing of ownership stake of the largest private shareholders leads banks to lend more to their industries. Interestingly, the largest state-owned shareholders do not have this effect. More importantly, we confirmed the channel of the information advantage by analyzing the bank’s industry NPL ratio and the listed company’s maximum loan amount in the bank. Of course, the effect of the largest private shareholders is achieved by intervening in board decisions. In addition, the ownership structure can influence this effect.

APA, Harvard, Vancouver, ISO, and other styles

28

Ielasi, Federica, Lorenzo Gai, and Cornelia Ilie. "Multi-Channel Banking and Stakeholders’ Perceptions in Emirati and Italian Banks." International Finance and Banking 4, no. 2 (November 28, 2017): 128. http://dx.doi.org/10.5296/ifb.v4i2.12065.

Full text

Abstract:

The main objective of the research is “to give voice” to bank customers in the UAE and Italy, by analyzing the ways and the extent to which their needs and requests across a wide range of multi-channel banking services are being (mis)communicated, (mis)understood and (un)resolved by bank employees.While previous studies have examined several aspects of customer satisfaction and dissatisfaction with regard to the communication process between customers and bank employees (e.g., customer—front desk officials, customer—call-center agents), very little research has been done so far in order to understand the motivational factors underlying bank customer satisfaction and dissatisfaction with regard to communication in multi-channel banking, which involves different types of interaction: face-to-face, telephone, ATM, online, mobile, apart from branch banking.The empirical data collection method used for this study is the semi-structured interview and the questionnaire. In order to compare the different perspectives, three different sets of interview questions have been designed within the research: (i) a set of interview questions aimed at bank customers; (ii) a set of interview questions aimed at bank employees; (iii) a set of interview questions aimed at bank executives.The results show that banks have to pay close attention to the synergies and relationships among different channels, developing an integrated communication process. The proliferation of both offline and online contact points adds further complexity. In this context, banks have to integrate and reconcile the different sources of information for a holistic overview of the customer, in order to be able to provide a consistent experience across channels.

APA, Harvard, Vancouver, ISO, and other styles

29

Berger, Allen N., and Raluca A. Roman. "Did TARP Banks Get Competitive Advantages?" Journal of Financial and Quantitative Analysis 50, no. 6 (December 2015): 1199–236. http://dx.doi.org/10.1017/s0022109015000630.

Full text

Abstract:

AbstractWe investigate whether the Troubled Assets Relief Program (TARP) gave recipients competitive advantages. Using a difference-in-difference (DID) approach, we find that: i) TARP recipients received competitive advantages and increased both their market shares and market power; ii) results may be driven primarily by the safety channel (TARP banks may be perceived as safer), which is partially offset by the cost-disadvantage channel (TARP funds may be relatively expensive); and iii) these competitive advantages are primarily or entirely due to TARP banks that repaid early. These results may help explain other findings in the literature, and yield important policy implications.

APA, Harvard, Vancouver, ISO, and other styles

30

Jović, Željko, and Milena Lutovac Đaković. "Interbank Network as a Channel of Credit Contagion in Banks: Is Moral Hazard Transferable?" Journal of Central Banking Theory and Practice 11, no. 3 (September 1, 2022): 117–35. http://dx.doi.org/10.2478/jcbtp-2022-0026.

Full text

Abstract:

Abstract The objective of this research is to examine the inter-bank network of clients as a channel for credit risk transmission by groups of banks in Serbia characterized by different levels of credit risk (clusters). Two of the four observed groups of banks have experienced increase in NPLs through the channel of contagion spread in the interbank network. The spread of the infection through the banking network is a consequence of the impact of the economic connection among clients. The third group of banks (banks with high levels of credit risk) takes over the effects of systemic factors and transfers their influence to the second and the first group (banks with average and below-average credit risk level) through the banking network channel. There were different models of bank behaviour, from a group of banks that fully aligned their risk taking with risk capacity to a group of banks that exhibited an excessive risk propensity far beyond their own risk-taking capacity. There is also the confirmation that moral hazard was an important determinant of credit risk and an additional impulse to spread credit contagion.

APA, Harvard, Vancouver, ISO, and other styles

31

Hamid, Fazelina Sahul, and Norhanishah Mohd Yunus. "Bank-Lending Channel of Monetary Policy Transmission: Evidence from ASEAN." Global Business Review 21, no. 4 (July 29, 2019): 892–905. http://dx.doi.org/10.1177/0972150919856959.

Full text

Abstract:

This article examines the existence of a bank-lending channel in Association of Southeast Asian Nations (ASEAN) using a sample of 328 banks from 2009 to 2015. The findings confirm that a bank-lending channel is effective. In particular, we find that consumer loans and commercial loans are sensitive to changes in monetary policy, but mortgage and corporate loans are not. We also find that commercial banks are vulnerable to monetary policy changes, but both investment and Islamic banks are not. On the contrary, special purpose banks are able to overcome the effect of monetary policy tightening by supplying more loans. The effectiveness of a bank-lending channel in ASEAN also holds when we control for the differences in governance structure of the countries. Policymakers need to take these into consideration in designing an effective monetary policy.

APA, Harvard, Vancouver, ISO, and other styles

32

Bednarek, Peter, Valeriya Dinger, Daniel Marcel te Kaat, and Natalja von Westernhagen. "To whom do banks channel central bank funds?" Journal of Banking & Finance 128 (July 2021): 106082. http://dx.doi.org/10.1016/j.jbankfin.2021.106082.

Full text

APA, Harvard, Vancouver, ISO, and other styles

33

Sheeba, V. S., and E. Elias. "Two-dimensional, two-channel signal-adapted filter banks." IET Computers & Digital Techniques 2, no. 4 (2008): 285. http://dx.doi.org/10.1049/iet-cdt:20070071.

Full text

APA, Harvard, Vancouver, ISO, and other styles

34

Wang, Guangyu. "Analysis of M-channel time-varying filter banks." Digital Signal Processing 18, no. 2 (March 2008): 127–47. http://dx.doi.org/10.1016/j.dsp.2007.02.006.

Full text

APA, Harvard, Vancouver, ISO, and other styles

35

Mansour, Mohamed F. "SVD properties of orthogonal two-channel filter banks." Applied and Computational Harmonic Analysis 32, no. 1 (January 2012): 16–27. http://dx.doi.org/10.1016/j.acha.2011.02.004.

Full text

APA, Harvard, Vancouver, ISO, and other styles

36

Zhabina, Svetlana. "Econometric Analysis of Bank Lending Channel Efficiency in Russia." Moscow University Economics Bulletin 2017, no. 3 (June 30, 2017): 61–79. http://dx.doi.org/10.38050/01300105201734.

Full text

Abstract:

The paper investigates the relationship between monetary policy indicator and bank lending in Russia using dynamic panel regressions and quarterly banks’ balance sheets data for the period of 2010- 2016. The main purpose of the paper is to identify bank characteristics, which determine the reaction of bank lending to monetary policy shocks. The results support the existence of a bank lending channel of monetary transmission. The extent to which banks change lending in response to monetary policy changes depends on banks’ liquidity, size and refinancing from the central bank.

APA, Harvard, Vancouver, ISO, and other styles

37

Kabak, Hande. "An Analysis of Risk Taking Channel in Turkey." Ekonomik Yaklasim 33, no. 123 (2022): 173. http://dx.doi.org/10.5455/ey.22002.

Full text

Abstract:

Risk taking channel in the monetary transmission is the channel which explains the relation between the low policy interest rates resulted from the too low CB policies pursued for a long period of time and bank risk taking behaviors. In this article, the existence of risk taking channel is examined over the period 2002-2018 by using yearly data and GMM method. The direct and distributional effects of bank characteristics on bank risk taking behavior are analyzed. Change in Non Performing Loans(NPL) Ratio is used as a risk indicator. Our findings show that when the interest rates fall below the benchmark rate, the risk taking behavior of banks do not change. In other words, results do not present evidence for the existence of risk taking channel in Turkey. So the monetary policies of CBTR do not change the risk taking behavior of banks. However, bank size and bank capital are the bank characteristics which affect the bank risk taking behavior and credit risk of banks. Additionally, following the literature saying that global financial factors should be taken into account in evaluating the risk taking channel in emerging markets, global financial measures are included to our analysis. Our findings show that global financial measures are significant in the risk taking behavior of Turkish banks.

APA, Harvard, Vancouver, ISO, and other styles

38

Cahaya, Yohanes Ferry, Tirta Nugraha Mursitama, Mohammad Hamsal, and Viany Utami Tjhin. "The Effect of Omni-channel Value Perception and Customer Engagement on Customer Commitment, Mediated by Customer Trust." International Journal of Applied Economics, Finance and Accounting 14, no. 2 (September 16, 2022): 100–107. http://dx.doi.org/10.33094/ijaefa.v14i2.662.

Full text

Abstract:

This research aimed to analyse and reveal the influence of omni-channel perceived value and consumer engagement on customer trust and the implications thereof on customer commitment at BUKU IV banks in Jabodetabek, which are commercial banks based on business activities. The research employed a quantitative descriptive approach and a causal technique to a sample of 245 respondents. Structural equation modelling using the Lisrel Program was utilized as the method of data analysis. According to the research results, the omni-channel perceived value and basic consumer engagement partially or cooperatively impacted customer trust at BUKU IV banks in Jabodetabek with a coefficient of determination (R2) of 82%. Likewise, omni-channel perceived value, consumer engagement and customer trust partially and jointly affected customer commitment at BUKU IV banks in Jabodetabek, in a way that was both positive and significant, with a coefficient of determination (R2) of 95%. This research thus proved that to increase customer commitment, it is necessary to increase omni-channel perceived value, consumer engagement and customer trust.

APA, Harvard, Vancouver, ISO, and other styles

39

Chalov, Roman S., Konstantin M. Berkovitch, Svetlana N. Ruleva, Aleksandr S. Zavadskiy, Pavel P. Golovlev, and Georgiy B. Golubcov. "FORMATION AND EVOLUTION OF PARALLEL-BRAIDED CHANNEL REACHES." Географический вестник = Geographical bulletin, no. 4(55) (2020): 110–25. http://dx.doi.org/10.17072/2079-7877-2020-4-110-125.

Full text

Abstract:

The paper provides a comprehensive assessment of channel formation conditions and hydrological-morphological characteristics, and also considers the features of the channel changes regime of parallel-braided channel reaches, being the most complex and diverse in morphodynamics. The general condition for their development is a large width of channels (respectively, the maximum value of the criterion of the flow quasi-uniformity suggested by I.F. Karasev). In such channels, the flow is divided into two branches, between which, in the middle of the channel, occurs accumulation of sediments and formation of mid-channel bars and islands. At the same time, parallel-braided channels are the result of other channel types (non-meandering) development due to certain changes in determining factors: increased water content and sediment runoff, overgrowth of channel bars, as a result of which mid-channel bars turn into islands, and anthropogenic impacts on rivers. On sandy floodplain rivers, parallel-braided reaches are typical for low-stable and unstable channels in the absence of the directed influence from bedrock banks on the flow and when effective water discharge passes over the floodplain edge. The islands in such braided reaches are mostly small. On rivers with incised channels, they are either similar in morphology and the channel changes regime to wide floodplain unstable channels, differing from the latter in large islands with elongated shape, or form sculptural islands and are very stable. In any variety, parallel-braided channels are very individual in their channel changes regime and there are no universal channel control schemes for them.

APA, Harvard, Vancouver, ISO, and other styles

40

Agung, Juda. "FINANCIAL DEREGULATION AND THE BANK LENDING CHANNEL IN DEVELOPING COUNTRIES: THE CASE OF INDONESIA." Buletin Ekonomi Moneter dan Perbankan 3, no. 1 (October 11, 2003): 121–45. http://dx.doi.org/10.21098/bemp.v3i1.290.

Full text

Abstract:

The dominant role of commercial banks as a source of finance and the considerable asymmetry of information in financial markets in developing countries have raised an argument that the bank lending channel of monetary transmission mechanism would be very important in such countries. This study addresses the issue by investigating empirically whether there are differential effects of monetary policy on banks’ balance sheets, and its implications to the existence of the bank lending channel of monetary policy in Indonesia, especially since the early 1980s when the government adopted a policy of financial deveculation. We find significant differences of balance sheet behavior across bank clashes in response to a change in monetary policy, consistent with the predictions of the bank lending view. We also found that because of access to foreign funds and the existence of bank loan commitment, the monetary policy was unable to constrain loan supply by the large (state) banks, indicating that the bank lending channel operates through smaller (non-state) banks.

APA, Harvard, Vancouver, ISO, and other styles

41

Ielpi, Alessandro, Martin R. Gibling, Arden R. Bashforth, and Chinemerem I. Dennar. "Impact of Vegetation On Early Pennsylvanian Fluvial Channels: Insight From the Joggins Formation of Atlantic Canada." Journal of Sedimentary Research 85, no. 8 (August 1, 2015): 999–1018. http://dx.doi.org/10.2110/jsr.2015.50.

Full text

Abstract:

Abstract: Riparian vegetation profoundly influences modern fluvial channels in a variety of ways, depending on the life-history strategies of different plant types, disturbance frequency, and drainage conditions of available habitats. Direct evidence for these dynamic relationships is usually cryptic in ancient deposits. We report evidence for interactions between rivers and in situ vegetation for selected sites in the lower Pennsylvanian Joggins Formation of Atlantic Canada, encompassing fixed, meandering, and distributary channels originally up to 6 m deep. Channel bodies are associated with a suite of fossilized plant remains, specifically lycopsids that preferred stable wetland settings, disturbance-tolerant calamitaleans, and slow-growing, long-lived cordaitaleans. Vegetation was effective in stabilizing banks and bars and promoting aggradation. Lycopsids and calamitalean groves colonized the channel bed during periods of reduced flow, drawing on the groundwater table, and mounds around upright trunks indicate that they formed bar nuclei after flow resumed. Bank-attached bars with lateral-accretion sets contain upright trees, which may have stabilized inclined sediment surfaces, and trees present between small distributary channels may have formed vegetated islands. Erect lycopsids rooted below the channel base project up into the channel fill, where they formed obstacles and nucleated sediment mounds in active channels. On channel cutbanks, upright lycopsids are tilted towards the channel, and early formed rhizoconcretions are associated with deep cordaitalean root systems in the tops of channel fills. These features imply that vegetation contributed to stabilization of sediment surfaces. The predominance of in situ over transported plant remains suggests that these low-flow-strength rivers had limited ability to erode and entrain large woody debris, especially for small channels with strengthened banks. We infer that patterns of interaction between vegetation and rivers with a range of fluvial style broadly resembled those of today. By the early Pennsylvanian, rivers had moved from a geomorphic and biogeomorphic mode of operation into a fully ecological mode with prominent feedback loops between vegetation and fluvial processes. Vegetation is commonly poorly preserved in fluvial systems but should be incorporated into facies models for Pennsylvanian and younger strata, possibly also for some Devonian and Mississippian formations.

APA, Harvard, Vancouver, ISO, and other styles

42

Saif-Alyousfi, Abdulazeez Y. H. "Political instability and services of GCC banks: how important is the Yemen War?" Journal of Economic and Administrative Sciences 36, no. 4 (June 18, 2020): 339–65. http://dx.doi.org/10.1108/jeas-02-2020-0015.

Full text

Abstract:

PurposeThe purpose of this paper is to examine the impact of the Yemen War on banking services (deposits and loans) at the aggregate and at the level of conventional and Islamic banks in GCC countries. The author also tests hypotheses of direct and indirect impacts of the Yemen War on bank services.Design/methodology/approachThe sample comprises a total of 70 banks (45 conventional and 25 Islamic banks) over the period 2000–2018. The static and dynamic panel generalized methods of moments (GMM) estimation techniques are applied.FindingsEmpirical results indicate that the Yemen War has a significant negative direct impact on deposits and loans of GCC banks. The results lend support for the direct channel hypothesis, but not for the indirect channel hypothesis. The negative direct impact is most prominent on banks in GCC countries that are directly involved in the Yemen War, although the war has an asymmetric effect on conventional and Islamic banks, the former being more vulnerable. The overall conclusion is that the Yemen War exerts an asymmetric impact on the GCC region, across both banks and countries.Practical implicationsThese results are a warning to policymakers to be cautious when formulating a strategy for macroeconomic stability.Originality/valueIt is widely recognized that the Yemen War has a significant impact on the economies of the GCC countries. However, the possible impact of the war on GCC bank services has not so far been subjected to robust empirical analysis. This paper therefore seeks to fill this gap by providing an in-depth quantitative analysis of this impact. It distinguishes between direct and indirect channels through which the Yemen War may affect bank services. It is also the first to examine the asymmetric impact of the Yemen War on the GCC region, across both banks (Islamic and conventional banks) and countries (whether or not involved in the war). The study uses both static panel and dynamic panel GMM estimation techniques to analyze the data.

APA, Harvard, Vancouver, ISO, and other styles

43

Almutahar, Hasan, Muhammad Agung Prabowo, Tulus Haryono, Asri Laksmi Riani, and Irwan Trinugroho. "Policy burdens of development banks: evidence from Indonesia." Corporate Ownership and Control 12, no. 4 (2015): 217–20. http://dx.doi.org/10.22495/cocv12i4c1p5.

Full text

Abstract:

We take the social or development perspective of government banks on the Indonesian regional development banks. We find that those banks have more employee burden and small scale loans burden than other banks. Excessive employment in the regional development banks is positively associated with the degree of poverty in their regions and negatively related to the regional economic capacity. In the regions with high degree of poverty, those banks have to channel excessive small scale loans.

APA, Harvard, Vancouver, ISO, and other styles

44

Shokr, Mohamed Aseel, Zulkefly Abdul Karim, Mansor Jusoh, and Mohd Azlan Shah Shah Zaidi. "The Bank Lending Channel of Monetary Policy? The Panel Evidence from Egypt." Gadjah Mada International Journal of Business 16, no. 3 (December 11, 2014): 255. http://dx.doi.org/10.22146/gamaijb.5659.

Full text

Abstract:

This paper examines the relevance of the bank lending channel of monetary policy in Egypt using bank-level data. Previous empirical studies in Egypt that used macro-level data have not supported the relevance of the bank lending channel. However, using a sample of 32 commercial banks for the period from 1998 until 2011 and a dynamic panel GMM technique, the empirical findings revealed the relevance of the bank lending channel of monetary policy in Egypt. Moreover, there is a heterogeneity effect of monetary policy on bank loans according to bank size, in which the small banks are more affected during a monetary contraction than larger banks. This finding signals that the monetary authorities in Egypt should take cognizance of the stability of interest rates in order to stabilize the bank loan supply.

APA, Harvard, Vancouver, ISO, and other styles

45

Thirunavukkarasu, Dr S., and T. Lashmi Pradha. "Transmission mechanism of monetary policy in India - An Expost Study." JOURNAL OF DEVELOPMENT ECONOMICS AND MANAGEMENT RESEARCH STUDIES 09, no. 13 (2022): 48–60. http://dx.doi.org/10.53422/jdms.2022.91306.

Full text

Abstract:

The transmission mechanism of monetary policy is correlated to lending which expands aggregate demand in the economy. The banking system form an important place in the monetary policy transmission. The channels of monetary policy transmission are: Interest Rate Channel, Credit or Loan Supply Channel, Exchange Rate Channel, and Asset Price Channel. The financial prices include interest rates, exchange rates, yields, asset prices, and equity prices, and the financial quantities consists of money supply, credit aggregates, supply of government bonds and foreign denominated assets. RBI uses various monetary policy frameworks over the years which is classified as pre-monetary targeting (1947 to 1984-85), monetary targeting (1984-85 to 1997- 98), Multiple Indicators approach (1998-99 to 2014), Inflation Targeting (from 2013 onwards), and Flexible Inflation Targeting (FIT). MCLR also drastically decreased for all these banks from 2019 to 2021. The external benchmark has increased for the three types of banks from 2019 to 2021. The repo rate gives a contrast data between pre and post FIT periods. The financial system is not fully developed which is a hindrance to the transmission mechanism. The cost of lending, issues in bond market, and pandemic situation related problems requires an appropriate transmission mechanism in the monetary policy of our country.

APA, Harvard, Vancouver, ISO, and other styles

46

Kumamoto, Masao, and Juanjuan Zhuo. "Bank Lending Channel in Transmission of Monetary Policy in Japan, 2000–2012: The Sign Restrictions VAR Approach." Applied Economics and Finance 4, no. 2 (January 10, 2017): 87. http://dx.doi.org/10.11114/aef.v4i2.2137.

Full text

Abstract:

This paper investigates empirically whether the bank lending channel of monetary policy existed in Japan from 2000 to 2012. We employ the sign restrictions VAR approach to deal with the identification problem. In particular, we focus on the differential effects of a quantitative easing monetary policy regardless of bank (City banks vs. Regional banks) and firm (all enterprises vs. small and medium-sized enterprises－SMEs) size. Our impulse response function analyses show that following a quantitative easing monetary policy shock, the lending of Regional banks increases more than that of City banks, and the bank lending rate of Regional banks declines in a larger magnitude. Moreover, the responses of output to reserve supply are larger in Regional banks than that in City banks. Our variance decomposition analyses show that a larger proportion of the forecast error variance in the bank lending of Regional banks relative to City banks, and a larger proportion of the forecast error variance in the bank lending to SMEs relative to all firms can be explained by monetary policy shock. Similarly, the loans of Regional banks have a larger impact on output than the loans of City banks, and the loans to SMEs have a larger impact on output than the loans to all firms. Moreover, output is more affected by the reserve supply to Regional banks than to City banks. These results together indicate that a quantitative easing policy has a greater impact on the real economy through the lending of Regional banks.

APA, Harvard, Vancouver, ISO, and other styles

47

Corredor Velandia, César Augusto. "Credit channel in developing countries: the case of Colombia." Revista de Economía del Caribe, no. 03 (June 28, 2022): 1–38. http://dx.doi.org/10.14482/ecoca.03.425.333.

Full text

Abstract:

This paper uses a panel data set containing monthly information from the balance sheets of 20 banks between 1995 and 2003. It follows an estimation procedure proposed by Arellano and Bond which applies autocorrelation into panel data using a Generalized Method of Moments (GMM) estimator. The model includes particular characteristics to determine the existence of a bank lending channel including: size, liquidity, capitalization and foreign capital. The bank lending channel literature argues that differences in the characteristics and initial position of banks are reflected in their ability to offset the effects of a tightening monetary policy. It has been proved that in Colombia there is a negative response of loans to changes in the interest rate, but bigger, liquid or capitalized banks are better able to maintain the same level of loans in the face of a tightening monetary policy.

APA, Harvard, Vancouver, ISO, and other styles

48

Ezam, Quratulain. "Bank Lending (Credit) Channel of Monetary Transmission Mechanism." Journal of Business and Social Review in Emerging Economies 4, no. 1 (June 30, 2018): 93–100. http://dx.doi.org/10.26710/jbsee.v4i1.371.

Full text

Abstract:

The significance of channel of bank lending for the process of transmission of monetary policy is examined employing the model of ARDL (Auto-regressive-distributed lag). This recently established bound test is used in order to determine the description of this model. The data that has been used for this research is based on secondary data of 7 years. The results appear constant with the hypothesis that providing by banks with comparatively frail capital responds great, the modification in the stance of monetary policy than providing by improved capitalized banks.

APA, Harvard, Vancouver, ISO, and other styles

49

Joshi, Urmila. "Perception among the Employees of Bank towards the Bancassurance in Nepal." Nepalese Journal of Insurance and Social Security 2, no. 2 (December 31, 2019): 71–80. http://dx.doi.org/10.3126/njiss.v2i2.31830.

Full text

Abstract:

The study aims to explore the perception of employees working in banking industry and investigates the problems and prospects of bancassurance in Nepal. Quantitative data have been collected from 100 employees working in 20 commercial banks using structured questionnaire. Product design, customer awareness, brand name, distribution channel and awareness of retail banks are considered as independent variables whereas present status of bancassurance is taken as dependent variable in the study. Both descriptive and inferential statistical tools have been applied to analyse the data. The result reveals that there is a positive relation between product design and brand name with present status of bancassurance in Nepal. This means that better the products lead to success of Bancassurance. The results also reveal negative relationship between present status of Bancassurance and consumer awareness, awareness of retail banks and distribution channel. The study concludes that product design and brand name are the major factors affecting current bancassurance status whereas consumer awareness, awareness of retail banks and distribution channel do not affect on current status of bancassurance.

APA, Harvard, Vancouver, ISO, and other styles

50

Seo, Ji-Yong. "A Study on the Lending Channel of Korean Banks." Korean Data Analysis Society 20, no. 2 (April 30, 2018): 829–39. http://dx.doi.org/10.37727/jkdas.2018.20.2.829.

Full text

APA, Harvard, Vancouver, ISO, and other styles

Journal articles on the topic 'Channel banks'

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles