Dissertations / Theses on the topic 'COMMERCIAL BANKS IN INDIA'
To see the other types of publications on this topic, follow the link: COMMERCIAL BANKS IN INDIA.
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 dissertations / theses for your research on the topic 'COMMERCIAL BANKS IN INDIA.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse dissertations / theses on a wide variety of disciplines and organise your bibliography correctly.
1
Rawlin, Rajveer [Verfasser]. "Determinants of Profitability of Listed Commercial Banks in India / Rajveer Rawlin." München : GRIN Verlag, 2019. http://d-nb.info/1201413060/34.
Full text
2
Dunn, Jessica. "Golden Handshakes at Commercial Banks." OpenSIUC, 2013. https://opensiuc.lib.siu.edu/dissertations/671.
Full textAbstract:
Compensation systems are designed by boards of directors to encourage manager performance. Severance packages are intended to provide insurance for the CEO's human value. Frequently, however, severance packages are increased upon termination by boards of directors at will. These non-contractual severance payments are called discretionary severance pay. This study investigates discretionary severance pay at financial institutions surrounding the financial crisis. Financial institutions are of particular interest as they faced unique regulations limiting the amount of severance payable to departing CEOs. There is evidence that the boards of directors engaged in regulatory arbitrage by increasing payments for the consulting and non-compete component of severance pay and decreasing payments for other components of discretionary severance pay.
3
Ozturk, Huseyin. "Three essays in Turkish banking : development banks, Islamic banks and commercial banks." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31399.
Full textAbstract:
This thesis is composed of three empirical chapters each of which examines separate segments of Turkish banking system from different perspectives. First empirical chapter investigates regional loan distribution of development banks. The findings in this chapter suggest that political connection has played a significant role in development lending. There is also geographical bias which leads to higher volumes of loans in the regions close to the capital city. Second empirical chapter examines Islamic banks and compares them with conventional banks in terms of profitability and competition grounds. The results reveal that Islamic banks earn more returns with respect to conventional banks. The results also suggest that the regulatory changes of the last decade improve market power of these banks. The last empirical chapter investigates micro structure of Repo and Reverse Repo Market of Turkey in which only commercial banks can transact. This chapter initially presents the network topologies of this market that helps one to understand the characteristics of complex network in this market. This chapter then computes a connectivity measure and investigates the drivers of connectivity out of domestic and external factors. Although results provide very rich insights, external factors dominate the behaviour of network in this market.
4
Zagoub, Ali A. "Corporate governance in Libyan commercial banks." Thesis, University of Dundee, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.629586.
Full textAbstract:
This thesis uses a new institutional sociology perspective to examine the adoption of corporate governance practices in Libyan commercial banks (LCBs). In particular, it investigates the perceptions of various stakeholders towards corporate governance in LCBs in order to provide a general understanding of how different types of institutional pressures (isomorphism) have influenced and shaped the current corporate governance practices of LCBs and to investigate whether LCBs have adopted the same corporate governance practices or whether there are any differences across different banks. For this purpose, two pieces of empirical work, semi-structured interviews and a questionnaire survey were conducted respectively. The interviews were held with a number of stakeholders in Libya in 2009 to ascertain their views on corporate governance in LCBs. The extant literature and the findings from the interviews have informed the second part of the empirical work of this thesis examining the corporate governance of three different banks: a state-owned bank; a bank with part Western ownership as a strategic partner; and a privately owned Libyan bank. A questionnaire survey of different stakeholder groups was conducted in 2010 about the practices of these three banks to establish whether the ownership structure or any other factors have affected the governance practices of these three banks and whether certain features have been institutionalised. The main findings indicate that the concept of corporate governance is new in LCBs, only introduced in 2006 when the CBL issued its Corporate Governance Guidelines for Boards of Directors in LCBs, and thus its adoption in Libya still in its early stage. Although such guidelines were very important for LBCs to establish their own corporate governance system and practices, LCBs are not yet ready to accept and adopt corporate governance because of the boards and executive managements are not focused on adopting corporate governance. Moreover, the guidelines are not mandatory and need board members that are practised in dealing with corporate governance issues, and therefore, the guidelines have been mostly ignored leading to many poor practices. The findings illustrate that different types of institutional pressures are shaping the current corporate governance practices and reforms in LCBs, especially coercive pressure from the CBL and the Libyan Bank Law requirements. However, such pressures are inadequate, as they only focus on the composition of the board. Further, the influence of these institutional pressures, to some extent, varies according to the ownership structure of LCBs, making some differences in responding to institutional pressures, and thus in corporate governance practices between LCBs. Overall, the findings illustrate that there is a need for more effort and pressure from the CBL to encourage and press LCBs to adopt better corporate governance practices. In this context, the latest developments indicate that the CBL is continuing to exert coercive pressure on LCBs to comply with sound corporate governance practices. The CBL developed and replaced the voluntary Corporate Governance Guidelines by the Corporate Governance Code for the Banking Sector (2010), which will mandatorily apply in 2011.
5
Song, Yang. "Performance management in Chinese commercial banks." Thesis, University of Kent, 2016. https://kar.kent.ac.uk/57089/.
Full textAbstract:
This dissertation aims to design and implement a tailored performance management framework for Chinese commercial banks in order to deal with some of the bank problems. Chinese commercial banks are experiencing rapid development from both internal management and external environments. With increasingly fierce competition, more strict risk management requirements and ongoing reform of process-oriented bank, many issues emerged regarding to the banks management and operations. Performance management is believed to be an effective tool to deal with some of the bank problems. However, the current performance management frameworks used in Chinese commercial banks are mostly designed for general organizations. There is lack of a systematic performance management framework specially designed for Chinese commercial banks considering features of banking operations and their current situations. Thus in this study, the main features of Chinese commercial banks are firstly discussed, which include risk management and external supervisory institutions. Then a performance management review is carried out including key definitions and current developments of performance management theories as well as some performance management methods. The commonly applied six steps performance management framework is adopted in this research since it is consistent with the research purpose. After that, the current performance management studies and practices in Chinese commercial banks are reviewed and discussed. Meanwhile, recent studies show that suitable performance management models are closely related to organizational structure. Therefore a review of organizational structure theories, especially the Minzberg's configuration theory, is carried out. The configuration theory suggests applying different management approaches for different parts of an organization, which assists to identify different structures in Chinese commercial banks and then design proper performance management activities. Based on the above review, a performance management framework for Chinese commercial bank is developed. This framework initially follows the six steps framework and integrates the bank features in management and operations into the performance management activities. The configuration theory is also applied in this framework in order to identify performance management targets as well as design proper performance management approaches. The main contingency factors related to this framework are discussed, especially the factor of stable organizational structure, since a rapid changing organizational structure requires further adjustments of the framework. This framework is applied in a case study which is carried out in a Chinese commercial bank located in Henan province. A performance management system is designed and implemented according to the framework based on the banks current situation. Feedback is collected after the implementation, and generally is positive. The framework is then adjusted by introducing performance tree method in order to deal with rapidly changing organizational structure. Compared with other methods, Performance tree method does not rely on the current organizational structure (e.g. Department structure) to carry out the strategy decomposition and deployment. It is also powerful in looking for innovative improvements in operations. The adjusted framework is applied in another case study carried out in a commercial bank located in Zhejiang province. This bank is experiencing rapid change in both management and operations due to process-oriented banking reform. Traditional performance management approach is found failed to deal with their current situation. A performance management system is designed for this bank based on the adjusted framework. Moreover, we also assist to develop a digital mission monitoring system to track and carry out their daily performance management activities. The feedback is positive after the implementation, and the bank is praised for good progress in building of process-oriented bank. The main contribution of this dissertation is the design and implementation of the tailored performance management framework for Chinese commercial banks, especially the adjustments in framework by introducing the performance tree method. It enriches theories and practices of performance management system in a rapid changing organizational structure. Further studies are suggested to look for more applications of performance tree method in different type of organizations.
6
Chikoko, Laurine. "Liquidity risk management by Zimbabwean commercial banks." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/d1020344.
Full textAbstract:
Macroeconomic and financial market developments in Zimbabwe since 2000 have led to an increase in many banks‟ overall exposure to liquidity risk. The thesis highlights the importance of understanding and building comprehensive liquidity frameworks as defenses against liquidity stress. This study explores liquidity and liquidity risk management practices as well as the linkages and factors that affected different types of liquidity in the Zimbabwean banking sector during the Zimbabwean dollar and multiple currency eras. The research sought to present a comprehensive analysis of Zimbabwean commercial banks‟ liquidity risk management in challenging operating environments. Two periods were selected: January 2000 to December 2008 (the Zimbabwean dollar era) and March 2009 to June 2011 (the multiple currency era). Explanatory and survey research designs were used. The study applied econometric modeling using panel regression analysis to identify the major determinants of liquidity risk for 15 commercial banks in Zimbabwe. The financing gap ratio was used as the proxy for liquidity risk. The first investigation was on liquidity risk determinants in the Zimbabwean dollar era. The econometric investigations revealed that an increase in capital adequacy reduced liquidity risk and that there was a positive relationship between size and bank illiquidity. Liquidity risk was also explained by spreads. Inflation was positively related to liquidity risk and was a significant explanatory variable. Non-performing loans were not significant in explaining commercial banks‟ illiquidity, which is contrary to expectations. The second investigation was on commercial banks‟ liquidity risk determinants in the multiple currency era by using panel monthly data. The results showed that capital adequacy had a significant negative relationship with liquidity risk. The size of the bank was significant and positively related to bank illiquidity. Unlike in the Zimbabwean dollar era, spreads were negatively related to bank liquidity risk. Again, non-performing loans were a significant explanatory variable. The reserve requirements ratio and inflation also influenced bank illiquidity in the multiple currency regime. In both investigations, robustness tests for the main findings were done with an alternative dependent variable to the financing gap ratio. To complement the econometric analysis, a survey was conducted using questionnaires and interviews for the same 15 commercial banks. Empirical analysis in this research showed that during the 2000-2008 era; (i) no liquidity risk management guidelines were issued by the Reserve Bank of Zimbabwe until 2007. Banks relied on internal efforts in managing liquidity risk (ii) Liquidity was managed daily by treasury (iii) The operating environment was challenging with high inflation rates, which led to high demand for cash withdrawals by depositors (iv) Locally owned banks were more exposed to liquidity risk as compared to the foreign owned banks (v) Major sources of funds were new deposits, retention of maturities, shareholders, interbank borrowings, offshore lines of credit and also banks relied on the Reserve Bank of Zimbabwe as the lender of last resort (vi) Financial markets were active and banks offered a wide range of products (vii) To manage liquidity from depositors, banks relied on cash reserves, calculating and analysing the withdrawal patterns. When faced with cash shortages, banks relied on the daily limits set by the Reserve Bank of Zimbabwe (viii) Banks were lending but when the challenges deepened, they lent less in advances and increased investment in government securities. (ix) Inflation had major effects on liquidity risk management as it affected demand deposit tenors, fixed term products, corporate sector deposit mobilisation, cost of funds and investment portfolios (x) The regulatory environment was not favourable with RBZ policy measures designed to arrest inflation having negative repercussions on banks` liquidity management (xi) Banks had no liquidity crisis management frameworks. During the multiple currency exchange rate system (i) Commercial banks had problems in sourcing funds. They were mainly funded by transitory deposits with little coming in from treasury activities, interbank activities and offshore lines of credit. There was no lender of last resort function by the Reserve Bank of Zimbabwe. (ii) Some banks were still struggling to raise the minimum capital requirements (iii) Commercial banks offered narrow product ranges to clients (iv) To manage liquidity demand from clients, banks relied on the cash reserve ratio, and calculated the patterns of withdrawal, while some banks communicated with corporate clients on withdrawal schedules. (v) Zimbabwe commercial banks resumed the lending activity after dollarisation. Locally owned banks were aggressive, while foreign owned banks took a passive stance. There were problems with non-performing loans, especially from corporate clients, which exposed many banks to liquidity risk. (vi) Liquidity risk management in Zimbabwe was still guided by the Reserve Bank of Zimbabwe Risk Management Guideline BSD-04, 2007. All banks had liquidity risk management policies and procedure manuals but some banks were not adhering to them. Banks also had liquidity risk limits in place but some violated them. Furthermore, some banks were not conducting stress tests. Although all banks had contingency plans in place, none were testing them. Specifically, the research study highlighted the potential sources of liquidity risk in the Zimbabwean dollar and multiple currency periods. Based on the results, the study recommends survival strategies for banks in managing liquidity risk in such environments. It proposes a comprehensive liquidity management framework that clearly identifies, measures and control liquidity risk consistent with bank-specific and the country‟s macroeconomic developments. The envisaged framework would assist banks in dealing with illiquidity in a manner that would be less disruptive and that could render any future crisis less painful. Of importance is the recommendation that the central bank might not need to be too strict or too relaxed, but be moderate in ensuring an enabling regulatory environment. This would help banks to manage liquidity risk and at the same time protect depositors in any challenging operating environment. In both the studied time periods, there were transitory deposits. Generally there is need to inculcate a savings culture in Zimbabwe.
7
Ismail, Abdul Ghafar. "Monetary policy in deregulated commercial banks and in the presence of Islamic banks." Thesis, University of Southampton, 1994. https://eprints.soton.ac.uk/421966/.
Full text
8
Котенко, Олександр Олександрович, Александр Александрович Котенко, and Oleksandr Oleksandrovych Kotenko. "The perspective development directions of Ukrainian commercial banks." Thesis, Poltava University of Economics and Trade, 2010. http://essuir.sumdu.edu.ua/handle/123456789/62424.
Full text
9
Bolton, Katy May. "Formalising the informal: The ‘fate’ of Village Banks." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29403.
Full textAbstract:
As our lives become more and more regulated by the powers that be, it is pertinent that there be acknowledgement of the people that are subject to these rules. When government attempts to regulate aspects of human lives, these regulations exist alongside the embedded mores of communities and the resulting social constructs.1 For this reason, one cannot dismiss the relevance of informal practices when discussing the formal sector and the prospect of regulation of such. With the gradual ‘financialising’ of those previously thought of as ‘unbanked’, there is a steady move toward increased interaction with credit, savings and financial transactions in general.2 Elizabeth Hull notes that as this trajectory continues, there has been a shift in efforts to provide financial services to those who fall outside of the formal sector. 3 The enthusiasm of such efforts has however differed between the informal and formal sector. Formal financial service provision for the poor is still severely lacking, due to the systemic flaws in financial institutions, which include high transaction costs, the need for collateral and stringent regulations.4 As a result of these inadequacies, informal financial services have flourished as they aim to mitigate the flaws associated with the formal sectors, in the hopes of fostering inclusion and pursuing economic sustainability.5 The Village Bank is one such informal financial service. The term ‘Village Bank’ is one widely used in the economic and anthropological literature to describe a member-based bank, usually operating at the intersection of the formal and informal sectors. I will use this terminology throughout my dissertation to reflect the concept as framed in the social science literature. In part 1.4 below, I give further details as to a possible definition of the Village Banks concept.
10
Sikorska, Małgorzata, and P. G. Pererva. "Classification of corporative banks." Thesis, NTU "KhPI", 2018. http://repository.kpi.kharkov.ua/handle/KhPI-Press/36484.
Full text
11
Li, Jing. "Accounting conservatism and its implication on valuation in commercial banks /." View abstract or full-text, 2004. http://library.ust.hk/cgi/db/thesis.pl?ACCT%202004%20LI.
Full textAbstract:
Thesis (M. Phil.)--Hong Kong University of Science and Technology, 2004.Includes bibliographical references (leaves 37-38). Also available in electronic version. Access restricted to campus users.
12
Laviziano, Angiolo. "Benchmarking of the commercial banking system in PR China." Thesis, Hong Kong : University of Hong Kong, 1999. http://sunzi.lib.hku.hk/hkuto/record.jsp?B21254059.
Full text
13
Li, Hu. "Controlling risks in state-owned Commercial Banks of China." Thesis, University of Macau, 1999. http://umaclib3.umac.mo/record=b1636243.
Full text
14
Tam, Pui Neng. "Asset and liability management of commercial banks in Macau." Thesis, University of Macau, 1997. http://umaclib3.umac.mo/record=b1636255.
Full text
15
Fick, William. "A framework to investigate risk management in commercial banks." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/d1009429.
Full textAbstract:
Businesses are continuously exposed to a changing business environment which may either exert positive or negative influences on profitability. The banking industry, in particular, is highly competitive and bank failures can have significant consequences for customers. Commercial banks, therefore, have a responsibility to protect their customers by implementing sound risk management strategies. In light of the recent financial crises (since 2007), risk management has once again become a popular topic of discussion since adequate risk management should have prevented or minimised the impact of the risks faced by failed banks. The primary objective of this study was to develop a framework that could be used by South African commercial banks to investigate risk management. Qualitative research was conducted in this regard. From this, findings and recommendations were derived in order to provide banks with a tool by which they could assess their exposure to risk. Various journals, websites, newspapers, bank reports and textbooks were consulted in support of the literature. The literature provided background information on the history and development of the risk management process. Considerable attention was given to the categories of risk that an adequate risk management framework should address. Furthermore, the current models used to manage risk in commercial bank were provided, as well as the specific reasons for bank failures. The main findings of this study were the identification of the most significant reasons for banking failures. These were identified as capital inadequacy, credit risk due to non-performing loans and a lack of banking supervision. In addition to these reasons, several other contributing principles were identified as important factors to be included in a risk management framework. A risk management framework was thus constructed in Table 5.1 based on the literature regarding global banking failures and the relevant conclusions made by the researcher.
16
Elmadani, Mohamed. "The study of service quality in Libyan commercial banks." Thesis, University of Huddersfield, 2015. http://eprints.hud.ac.uk/id/eprint/28323/.
Full textAbstract:
Banking services are perhaps the largest industry that caters to -the needs of various segments of the population reflecting the diverse Diasporas of the society. Moreover perceived service quality tends to play a significant role in high involvement (high, interaction between customers and service providers) industries like banks. Also, banks often have long-term business relationships with customers. In addition, the banking sector is large enough to capture and represent almost all the critical features of the customer-perceived service quality and the critical dimensions of excellence that the management may have to encounter, in order to effectively manage a service organisation. However, there is considerable lack of literature with respect to service industry management, especially in the banking industry of developing economies. Therefore an analysis of banks in the Libya from a 'service-quality perspective' may sound interesting at this juncture. Such an investigation is vital for the bankers in order to enhance their business performance. Service quality plays an important role in the success of any organization generally but especially in the banking sector. This importance increased after a link was found between service quality and customer satisfaction, customer loyalty and financial performance. In the Libyan economy, the banking sector is one of the most important. Its significance increased after the 2003 lifting of the United Nations sanction. This was followed by entry to the sector of a number of domestic and multinational firms. Despite this increased competition, domestic banks are still widely considered to suffer from low levels of service quality. Therefore, the main purpose of this study is to examine and compare expectations and perceptions from customers and bankers regarding the service quality provided by the commercial public and private banks in Libya. After an extensive review of the extant literature related to the Parasurman, Berry and Zeithaml (1985) Gap Model and the use of the SERVQUAL instrument to measure service quality, this study found that there was a gap in the literature regarding empirical research using the extended Gap Model to evaluate service quality in the banking sector. Therefore, the extended Gap Model has been used to examine service quality in Libyan commercial banks and SERVQUAL used to measure the service gaps. The resulting instrument is intended to help these banks to measure their service quality and focus on the service quality dimensions of most importance to their customers. It is also expected that this instrument, and its results, will contribute to future research into service quality. Both questionnaires and semi-structured interviews were employed to fulfil the study objectives. The questionnaire aimed to investigate the implementation of service quality in the Libyan banks sector, while, semi-structured interviews with managers aimed to gain an understanding of themes which had emerged from the questionnaire. The findings of the present study have produced some important results. Firstly, there are significant differences between the Libyan private and public banking sectors in terms of customer and bankers' standpoints of service quality. Secondly, customers' expectations of banks services were higher in the private banks than in the public banks. Thirdly, customers' perceptions of the banks services were higher in the public banks compared with the private banks. Forthly, the gap between customers' expectations and perceptions of services provided by public and private banks is generally widest in public banks in the majority of the 22 items. Fifthly, employees' perceptions of customers' expectations in both banks had high scores in the bank's service quality. Finaly, the results also show that the interviews provided another layer of information that contributed extremely well to the overall understanding of the service quality in Libyan commercial banks. The study has made an original contribution to the academic and practical knowledge of service quality. This study contributes to the understanding of service quality in terms of the Libyan banking context. The added value of this study emanates from the fact the research was conducted in Libya (a developing country with an extremely limited amount of service quality research conducted therein), and the fact it measured and assessed the service quality in both Libyan private and public banking sectors which form, along with the central bank, the entire Libyan banking system.
17
He, Weijing. "A study of the internationalisation of Chinese commercial banks." Thesis, Glasgow Caledonian University, 2015. https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.700999.
Full text
18
Frederick, Thomas. "Examining decision making on OREO properties within commercial banks." Thesis, Massachusetts Institute of Technology, 1991. http://hdl.handle.net/1721.1/66336.
Full text
19
Shang, J. "The competitiveness of state-owned commercial banks in China." Thesis, University of Hertfordshire, 2009. http://hdl.handle.net/2299/4005.
Full textAbstract:
China has undertaken a series of comprehensive economic and banking reform programs over the past three decades. As part of the WTO agreement, the domestic financial sector is fully open to foreign investors from WTO member countries in 2006. To answer the challenges, the policy makers and management of SOCB have been introducing two major steps to improve the Competitiveness of the commercial banks: transfer the bad debts to asset management companies and inject foreign exchange reserves to capital. However, the qualitative study shows that the general performance of the state-owned commercial banks is unstable during this period. It is high time that the consequences and efficiency of the reform were examined on an objective basis. This research offers a careful and rigorous examination of the condition and determinants of banking efficiency and competitiveness in China, with the focus on the state-owned commercial banks. The key contribution of this study is to develop a comprehensive empirical framework to measure and explain the performance of the state-owned commercial banks during the crucial transitional period from 1998 to 2003. This research examines the banking market conditions on the basis of a synthesis of the traditional Structure-Conduct-Performance paradigm and other alternative hypotheses. The thesis reveals that the state-owned commercial banks still dominate in both retail and business banking markets. The interest earnings remain the dominant source of commercial revenues. Due to the special relationship with government and their operational characters in the financial market, the state-owned commercial banks are not sensitive to monetary policy adjustments. The competition from other type of commercial banks has been strengthening, but the impact is rather limited. The main contribution of this study to the empirical literature on the Chinese banking market is the employment of the Data Envelopment Analysis to measure the efficiency of the state-owned commercial banks at provincial level, followed by a panel econometric investigation into the differences in banking efficiency across the stat-owned commercial banking groups as well as individual provinces. The results show that the level of banking efficiency was generally very low and there was a significant extent of input surplus among the provincial branches. The source of inefficiency is different among individual banking groups. The econometric study reveals that the SOCBs benefit from the concentrated market structure and strong complementary relationship with their traditional business areas. The empirical results have also shed light on further policy measures to enhance banking competition and performance in China.
20
Petrenko, E. "Transformation of commercial banks’ functioning standards in globalization context." Thesis, Ukrainian Academy of Banking of the National Bank of Ukraine, 2009. http://essuir.sumdu.edu.ua/handle/123456789/61324.
Full text
21
Ye, Chasnyk. "Management of the financial resources formation for commercial banks." Master's thesis, Sumy State University, 2020. https://essuir.sumdu.edu.ua/handle/123456789/81800.
Full textAbstract:
Метою даної роботи є дослідження системи формування та управління фінансовими ресурсами банків.
Об’єкт дослідження – процеси формування банківських фінансових ресурсів на макрорівні та мікрорівні (на прикладі Першого українського міжнародного банку (ПУМБ)).
Предмет дослідження економічні відносини що виникають при формуванні та управлінні фінансовими ресурсами банків.
У першому розділі магістерської роботи аналізуються та узагальнюються теоретико-методологічні основи формування ресурсної бази банків. У другому розділі проведено структурно-динамічний аналіз ресурсної бази банків України впродовж 01.01.2012-01.01.2020 рр. та структурно-динамічний аналіз ресурсної бази Першого Українського Міжнародного Банку (ПУМБ) впродовж 2016-2020 рр.. У третьому розділі узагальнено позитивний досвід впровадження модифікованих інструментів формування фінансових ресурсів банків та приведені напрями розвитку банківської клієнтської бази.
При написанні роботи використовувались матеріали періодичних видань, монографічна література, аналітичні та статистичні матеріали НБУ та фінансова звітність ПУМБ.
22
Besaha, B. "The problems of crediting by commercial banks in Ukraine." Thesis, Українська академія банківської справи Національного банку України, 2009. http://essuir.sumdu.edu.ua/handle/123456789/61297.
Full text
23
Theora, Benard Nganga 1956. "MARKET SHARE DETERMINANTS FOR COMMERCIAL BANKS LENDING TO AGRICULTURE." Thesis, The University of Arizona, 1987. http://hdl.handle.net/10150/276385.
Full text
24
Wang, Yang. "Credit risk management in rural commercial banks in China." Thesis, Edinburgh Napier University, 2013. http://researchrepository.napier.ac.uk/Output/6659.
Full textAbstract:
Credit risk is one of the most general risks that exist in the financial market and a major risk faced by financial institutions. Credit risk management (CRM) is to identify, measure, monitor, and control risk arising from the possibility of default in loan repayments. The primary objective of CRM of rural commercial banks (RCBs) is to maintain risk within acceptable parameters and satisfy the regulatory requirements. CRM has long been the focus of governments, regulatory authorities and financial institutions. This thesis examines the importance of CRM for RCBs, which has been overlooked in the literature, and attempts to develop a CRM framework for RCBs. It has four specific research objectives: 1) to discuss the differences between RCBs and city based-commercial banks; 2) to examine the importance of CRM for RCBs and identify the approaches available for banks to manage credit risks; 3) to identify the key factors that have influenced the credit evaluation and assessment, as well as credit risk control in the context of China's RCBs; and 4) to propose a practicable CRM framework that suits the characteristics of Chinese RCBs. This study adopts qualitative analysis and case study approaches to identify key factors contributing to the failure of RCBs' customers, resulting in loan defaults and banks' credit risk. The quantitative-based CRM tools available for large financial institutions do not meet the requirements of RCBs because the main customers of RCBs are small and medium-sized enterprises (SMEs) and farming households and there is a lack of financial data and credit rating relating to these customers. In addition to normal risks faced by financial institutions, RCBs in China are also exposed to risks specifically to rural commercial banking business and in particular, farming-related loans and services. This study proposes a CRM framework for RCBs in China. The framework is based on the identification of business failures of RCBs' customers and factors contributing to the failures of SMEs and farming households. The framework is divided into five steps. The first step is to distinguish business failure and closure. The second step is to identify factors contributing to the failure of customers, which should be considered from environmental, operational, financial and guanxi aspects. The third step is to use PCA to identify principal factors. The fourth step is to design a credit risk analysis model with an analysis of these principal factors. The final step is to use the credit risk analysis model to manage credit risks of their portfolios and individual loans provided to SMEs and farming households. The CRM framework has been confirmed by practitioners through interviews conducted in the case bank. Interviews raise a number of issues relating to the development of a CRM model and assessment of credit risk of SMEs in China. The case study through an analysis of documents of the case bank reveals the importance of CRM and organisational structure in risk management and CRM. The case study presents evidence of lacking of practical methods in managing credit risk by RCBs in China. The proposed framework expects to address the problem. This study has made several contributions to the literature that studies CRM in financial institutions in general and RCBs in particular. This study critically identifies the current lack of studies specifically addressing the RCBs' CRM, and proposes a CRM framework for RCBs. The framework considers financial and non-financial variables to analyse SMEs and farming household for which financial information is very limited. Using nonfinancial variables along with financial variables as predictors of business failure significantly improves credit analysis quality and accuracy. Also, this study recognises guanxi as risk potentials affecting the business of SMEs and farming households and includes guanxi risks in the framework. The consideration of guanxi in credit risk analysis fits well with China's business environment.
25
XU, XIAODAN, and XIN YUAN. "Front-line employees make efforts on banks : an empirical case study in Chinese commercial banks." Thesis, Högskolan i Gävle, Avdelningen för ekonomi, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-10699.
Full textAbstract:
In order to reduce the risks, banks has two ways to evaluate the loan exposure. One is credit rating, and the other one is pledge collaterals. Many literatures and financial regulations are emphasizing on the importance of credit rating. However, with the illustration of a plenty of empirical study, the pledging collaterals are the popular way which was using by “lazy” banks. Credit rating or pledging with collaterals is the gap between theories and practices. The aim of this thesis is to figure the factors which make the gap between the theories and practices. At last, the front-line employees are paid attention on. Since front-line employees are the first and direct one who contact customers. Reliability and responsiveness has a space to develop by training first-line employees, moral hazard controlling, and sectoral specialization the credit inspection.
26
Chaturvedi, Kiran. "Leadership styles of managers of commercial banks in India." Thesis, 1989. http://hdl.handle.net/2009/3187.
Full text
27
Rao, Bharathi. "Impact of liberalization on commercial banks-Problems and prospects-India." Thesis, 2001. http://hdl.handle.net/2009/3045.
Full text
28
Gupta, Vasudha. "Financial management of commercial banks in India-a comparative study." Thesis, 2002. http://localhost:8080/iit/handle/2074/4613.
Full text
29
Saxena, Geetika. "Marketing of financial services by commercial banks- A study of state bank of India." Thesis, 1995. http://hdl.handle.net/2009/823.
Full text
30
Sarkar, Partha di. "Consumer acceptance of electronic banking products and services:a study of implementation experiences of commercial banks in India." Thesis, 2005. http://localhost:8080/iit/handle/2074/4639.
Full text
31
Bhatt, Dhruvaiata D. "Analysis of commercial bank deposits in India with reference to Post-Nationalisation period." Thesis, 1989. http://hdl.handle.net/2009/6320.
Full text
32
ARORA, RENU. "EVALUATION OF CREDIT RISK MANAGEMENT PRACTICES: AN EMPIRICAL STUDY OF INDIAN PUBLIC SECTOR COMMERCIAL BANKS." Thesis, 2017. http://dspace.dtu.ac.in:8080/jspui/handle/repository/16881.
Full textAbstract:
At present, the biggest problem before Indian public sector banks is to improve
their asset quality and control their mounting non- performing loans. RBI
reports (2011-15) repeatedly impressed these banks to tighten their credit assessments
and monitoring mechanisms especially for loans to business and industry. Thus, this
study evaluates the credit risk management practices of Indian public sector banks
(PSBs) in the grant of commercial loans to find the grey areas which need review and
restructuring to improve banks’ asset quality. The research objectives are to identify
and examine the characteristics and causes of credit risk, compare credit risk
management practices of large and small public sector banks, analyse the extent
to which these banks have implemented the Basel norms on credit risk management
and evaluate their credit risk rating framework. The study also aims to design a
credit risk assessment model for banks based on a comparison of existing and
theoretical credit-scoring or rating models. The study is limited to commercial loans
to SMEs and mid-corporates.
A conceptual framework of credit risk management (CRM) systems has been
developed to delineate the strengths, problems and obstacles in public sector banks’
CRM practices through a structured questionnaire. Survey based perception studies
have been undertaken on a sample of 337 credit and risk managers working in 12
sample public sector banks. The study also uses secondary data to define the
characteristics of credit risk in public sector banks and to design a credit risk
assessment model for these banks.
vi
The study concludes that size of the bank is a critical credit risk variable as small
public sector banks have higher credit risk in terms of stressed assets ratio (gross non
performing and restructured loans/Total Advances). Credit managers or analysts of
large banks are found to be more satisfied with their credit risk management practices.
Credit analysts in all public sector banks (PSBs) have found that liquidity and
solvency risk factors of the corporate borrower are the most potent causes of default
on bank loans followed by his management, business and industry risk factors.
Presently the credit and risk managers in these banks are finding the industry risk of
their corporate borrowers, the most challenging risk to manage. The study has
observed high subjectivity in credit risk assessments in these banks because of a large
number of qualitative or experiential risk factors in their credit risk rating framework
and because of statistically significant disagreement between different categories of
credit and risk managers on these risk factors.
The study also develops a three group multivariate discriminant model (MDA) to
predict credit risk in new loan proposals, based on 40 performing and seven non
performing or restructured loans of a sample public sector bank, under High Safety,
Moderate Safety, and Inadequate Safety categories. The study found that the
combination of quantitative and qualitative risk factors under multi-discriminant
analysis improved credit risk assessment.
This research has thus, provided deep insight into the credit risk management
practices of the Indian public sector banks. It will serve as a standard research on the
subject, and its limitations will provide scope for further research on the subject.
33
Sunitha, C. P. "Lending policy of commercial banks." Thesis, 1989. http://hdl.handle.net/2009/2634.
Full text
34
Chiang, Miao-Jung, and 蔣妙蓉. "A Comparison of Cost Efficiency between China’s Joint-stock Commercial Banks and City Commercial Banks." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/96797440839670667544.
Full textAbstract:
碩士國立雲林科技大學
財務金融系
102
Nowadays, economic globalization and financial integration is a trend of the world. Competition between Chinese and foreign banks become fierce increasingly. How to improve the competitiveness of banks is particularly important. Competitive strength reflects the quality in the bank's operating efficiency. By Improve cost efficiency then gain competitive advantage will promote the international competitiveness. This study attempts to explore the cost efficiency in China’s joint-stock commercial banks and city commercial banks. Using 12 joint-stock commercial banks and 58 city commercial banks during the 2007–2012 period, seek determinants of performance of China’s joint-stock commercial banks and city commercial banks. Under the stochastic cost frontier model of Battese and Coelli (1995) to estimate the bank individual stochastic frontier cost efficiency between joint-stock commercial banks and city commercial banks. Then exploit the stochastic metafrontier approach (SMF) of Huang et al. (2011) to compare the different cost efficiency between joint-stock commercial banks and city commercial banks. This research find that (1) Governor's tenure has negative effect on cost efficiency of city commercial banks; regional Gross Domestic Product has positive effect on cost efficiency of joint-stock commercial banks. (2) Size of the bank would decrease cost efficiency of joint-stock commercial banks but increase the one of independent banks. (3) Regulatory indicators for banks' cost efficiency of more consistent results. Bank capital adequacy ratio and cost efficiency without significant positive relationship. NPL ratio and the cost to income ratio with the bank's cost efficiency have significantly negative correlation. Deposit ratio has obviously positive effect with banks' cost efficiency. (4) In terms of meta cost efficiency, we find that city commercial banks is superior to joint-stock commercial banks. This result indicates that the general operational efficiency of city commercial banks is better than joint-stock commercial banks.
35
Tong, Trung Tin, and 宋忠信. "Determinants of Banks’ Capital Structure: Evidence from Vietnamese Commercial Banks." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/8e49kf.
Full textAbstract:
碩士中原大學
國際商學碩士學位學程
104
This paper investigates the important factors influencing capital structure decisions. The study focuses on the bank leverage of thirty-one Vietnamese commercial banks from 2009 to 2014, because they play a key role as financial catalysts in the growing economy of Vietnam. The analysis employs multiple linear panel regression models, namely, Ordinary Least Squares (OLS), Fixed Effects (FE), and Random Effects (RE). This research examines five bank-specific factors (i.e., size, profitability, growth rate, taxation and business risk), and three financial market and economic variables (i.e., stock market condition, economy, and inflation) influencing capital structure with debt ratio as the dependent variable. Both the OLS and FE models agree that a Vietnamese bank’s size positively affects leverage, which means that the larger the bank, the more debt is incurred. Both models also determine that stock market and economic conditions have negative effects, which implies that in good market conditions, banks lessen their debt loads. In dividing Vietnamese commercial banks into three groups of sizes (i.e., large, medium-sized and small banks) based on chartered capital, both the OLS and RE models agree that size is a positively contributing factor to leverage. However, unlike large Vietnamese banks, medium-sized and small-sized banks tend to still carry a relatively high amount of debt because they are commonly ignored by the equity markets for reasons of illiquidity and instability, pushing them to rely on borrowing funds even to the point of having higher interest rates. Another interesting finding of this paper is that, only small-sized Vietnamese banks’ leverage is negatively affected by stock market and economic conditions. The paper posits that in a good financial market and economic conditions, small banks get higher than usual profits and they prefer using internal source of financing instead of borrowing from external sources, because of the obvious reason of experience a higher cost of debt for small Vietnamese banks. Findings of this paper are robust in using two panel regression models, and can help Vietnamese banks’ managers have a general perspective regarding capital structure determinants. This study also offers insights in creating appropriate strategies to controlling factors affecting banks’ leverage to achieve the target capital structure that minimizes the cost of capital and maximizes profitability.
36
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 textAbstract:
In the last years, with the occurence of many financial banking crises worldwide, bank credit risk has been a focus of the market. This thesis aims to analyse whether depositants do care about bank credit risk when they allocate their deposits in commercial banks or not. The literature rarely focuses on this crucial relationship between bank credit risk and deposit demand.
In order to further develop this topic, a demand model was defined and estimated applying the characteristic methodology and using multinomial logit and nested multinomial logit specifications. Many bank observed characteristics were included, such as deposit interest rate, service fees, number of branches, number of employees, bank size and bank credit risk.
Using a sample of US commercial banks between 2009 and 2015, findings suggest that depositors react to deposit interest rates and bank size in a positive and statistically significant way when choosing a bank. In addition to that, consumers do care about banks geographic diversification, but they do not consider bank credit risk in a statistically significant way, when deciding their deposits allocation.Nos 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.
37
Chen, Mei-Chun, and 陳梅君. "Performance Measurement of Taiwan’s Commercial Banks." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/h973wb.
Full textAbstract:
碩士國立臺北商業大學
財務金融研究所
105
This paper aims to explore the bank's performance and its determinants for Taiwan’s commercial banks over the period from 2008 to 2016. In this study, we first use the factor analysis to extract a set a factors from data set, and then employ a panel data model to examine the influence of the factors on the bank’s performance. In addition, this paper divided the sample into several attribute subsets, including state-owned banks/private banks, FHC-owned banks/ Non-FHC-owned banks, financial crisis period /Non-financial crisis period, and the hierarchy levels of the risk management committee. The result shows that the higher the capital adequacy ratio and the higher liquidity reserve ratio, the lower the profitability of the bank, whereas the bank continues to profit even if the loan-to-deposit ratio decreases. In addition, the performance of private banks is not significantly different from that of state-owned banks. The FHC-owned banks perform better than the non-FHC owned banks, while the hierarchy levels of the risk management committee and financial crisis will impact the bank’s performance. The empirical results provide further insight for banking operations and risk management decisions.
38
HOANG, DANH TUNG, and 黃名翔. "Efficiency of Commercial Banks in Vietnam." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/rnz4mx.
Full textAbstract:
碩士國立臺灣科技大學
企業管理系
106
This thesis aim to analyses the general level and main determinants of commercial bank efficiency in Vietnam during 2014–2017 (12 quarters). The data envelopment analysis (DEA) methodology is applied to obtain efficiency estimates and then a Tobit regression is run to find its main determinants. The DEA results indicate that the system of Vietnamese commercial banks experienced a decline in the efficiency during the period of study. Average efficiencies score for this period of 73%, 88.6% and 81.8% for Technical Efficiency (TE), Pure Technical Efficiency (PTE) and Scale Efficiency (SE), respectively. Furthermore, total assets and deposits on total liabilities have a negative influence on banks efficiency, but equity on total assets and state ownership influence banks efficiency positively.
39
CAO, GAO-GUANG, and 曹高光. "The TGR analysis of the Meta Frontier between National joint-stock commercial banks and City commercial banks." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/e5bb4v.
Full textAbstract:
碩士嶺東科技大學
財務金融系碩士班
107
This paper uses the data of the Chinese banking industry in the Bank Scope database to estimate the Meta-Frontier efficiency and TGR(Technology Gap Ratio) of the national joint-stock commercial banks and city commercial bank banks from 2013 to 2017. The empirical results show that the Meta-Frontier index values MCRS, MVRS and MSE and the group production efficiency index values GCRS, GVRS and GSE show that the allocation inefficiency of national joint-stock commercial banks and city commercial banks is the main cause of inefficiency in national joint-stock commercial banks and city commercial banks. The TGR of commercial banks and city commercial banks shows that the TGR of city commercial banks is larger than that of national joint-stock commercial banks, which are 0.999 and 0.989 respectively, that is, the group boundaries of city commercial banks are smaller than national joint-stock commercial banks, to the the meta.
40
Lin, Chia-Li, and 林佳莉. "Market efficiency between Investment Banks and Commercial Banks in Financial Crisis." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/65060208846939390571.
Full textAbstract:
碩士臺灣大學
財務金融學研究所
98
Market efficiency, one of the most important concepts in finance field, has been the controversial issue these years. This is because there are a lot of empirical anomalies happening in real world such as small firm effect, and January effect. It is intuitive that efficiency cannot happen instantaneously in the real world. Because the information does not spread so quickly that everyone cannot obtain it at the same time. As a result, one may gain abnormal profits. However, this situation will not persist too long. The strength of various kinds of investors will push the market toward efficiency. Therefore, the goal of our study is to investigate the convergence process toward efficiency of the relation between the order imbalances of investment banks and the returns of commercial banks. First of all, we examine the relation between returns and contemporaneous as well as lagged order imbalances by a multi-regression model. The empirical result shows that the contemporaneous imbalances have a significantly positive impact on returns, and condition on the contemporaneous imbalances, the impact of the lagged-one imbalances on returns is negative. Disregarding the contemporaneous imbalances, there are obviously large figures of negative and significant coefficients at the 10% significant level for the three time intervals. Besides, we observe a positive relation between contemporaneous imbalances and returns by the use of a GARCH(1,1) model. And both in the multi-regression model and the GARCH(1,1) model, the convergence process toward efficiency is observable. Moreover, we us a GARCH(1,1) model to examine the relation between volatility and order imbalances. The results come out to be not significant. Our explanation is that market makers have great abilities to control inventories. Finally, we build a trading strategy based on the indicator of order imbalances. Our trading strategies cannot neither yield statistically significant positive returns nor outperform original daily returns.
41
Robert, M. "Profitability in Public Sector Banks in India." Thesis, 1990. http://hdl.handle.net/2009/6040.
Full text
42
Sridhar, M. K. "Job attitude among employees of commercial banks." Thesis, 1994. http://hdl.handle.net/2009/1438.
Full text
43
Chauhan, Dilip J. "Role of commercial banks in agricultural development." Thesis, 1986. http://hdl.handle.net/2009/3409.
Full text
44
Wu, Ming-Yih, and 吳明義. "The Factors of Influencing Taiwan Commercial Banks’." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/30715722441787207536.
Full textAbstract:
碩士朝陽科技大學
財務金融系碩士班
90
Accompanied with the change in the economic environment, deregulation of financial institutes and markets becomes a trend. Allowance of establishing new banks is a big advance of the financial liberation. During late 1991 to 1993, there were 17 new private commercial banks entering the market and the banking industry has become much more competitive than before. Under such competitive environment, how have the banks been working on? Have old banks become more efficient since the openness of the market? Which banks have competitive advantages? Where do the competitive advantages come from? These issues are important for Taiwan financial markets, and therefore will be studied in this project. A Stochastic Cost Frontier Model and Stochastic production Frontier Model was applied to a panel data set composed of the observations from 22 commercial banks during 1992-1999. The empirical results show that the variables of equity ratio, loans to deposits ratio, total assets, number of ATM per branch, and number of branches had a positive effect on banks’ efficiency. The variables of medium business loan ratio, capital adequacy, and overdue loan ratio had a negative effect on banks’ efficiency. Finally, new banks and those with acquisition and merger had a higher level of efficiency.
45
"Relationships between commercial banks and their clients." Chinese University of Hong Kong, 1988. http://library.cuhk.edu.hk/record=b5885894.
Full text
46
LUN, YU CHANG, and 張綸宇. "Profitability Analysis of Commercial Banks In Taiwan." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/22976287593814389110.
Full textAbstract:
碩士國立交通大學
管理學院碩士在職專班經營管理組
94
Finding out the next blue ocean of the financial industry is the key factor that makes a high profit in the future while the consumer financial business has reached the extreme limit.No matter financial holding companies or local banks and foreign banks, all banks are constructing the customer risk and value system, trying hard for ticket of obtaining the financial finals.In regard to the latest trend of the international top, it’s a really important topic to grow the fees proportion. Banks have developed the consumer financial business in the last few years. The card storm has caused moral risk and delinquent debts. The primary objective of this research was to find out the factors influencing the profitability of the banks. The changes of the Taiwanese financial industry structure, the concentration degree of banks, deposits structure, mutual funds, and the consumer financial business proportion were all discussed. The data gathered from the websites of banks, the finance statistics monthly bulletin, and the quarterly reports of trust business, etc. The theory of Bain’s was the foundation to test the degree of concentration. Those factors (consisting of earnings before tax, fees, saving deposits, time deposits, foreign exchange deposits, government deposits, mutual funds, consumer loans, total loans and so on) were also tested by using regression method. The data consisting of 560 samples of 80 banks from 1999 to 2005(total 7 years). We know that the corporate finance business, credit card business, or consumer finance business, any business all impossibly makes a profit over a long period of time. While all banks pursuing the wealth management market, the supervisor organization should draw up more seriously system about closing banks which are not good, strengthening the merger and acquisition laws, solving overbanking, raising the concentration degree of banks. If the banks put more attention on the risk controlling, the analyzing of customer value, a bank executive who has intelligence can certainly come out the special features of the bank, acquiring the customer trust, steady development, and winning the victory of bank, customer, and the society.
47
Hajzeraj, Adelina. "Analysing the Performance of European Commercial Banks." Master's thesis, 2013. http://www.nusl.cz/ntk/nusl-324096.
Full textAbstract:
v Abstract The present thesis analyses the performance of the European banks in 2007-2011. First, brief information on the banking sector of each EU-27 country is provided. By the means of comparative analysis, it is, further, shown that banks, coming from countries less affected by the financial crisis, outperformed (in terms of ROA and ROE) banks coming from the worst affected countries. Additionally, panel-data and OLS estimation methods are employed to investigate the importance of various CAMEL determinants for banks' profitability. Assets quality, management ability, and interest earnings turn out to be strongly significant. Moreover, we report a struc- tural change in the relationship relative to the ownership structure (foreign vs. domes- tic-owned banks) and observe a structural time-break that occurred as the result of the recent financial crisis. JEL Classification G01, G21, G28 Keywords BASEL III, Capital Adequacy, CAMEL method, European Commercial banks Author's e-mail misslinaw@hotmail.com Supervisor's e-mail petr.gapko@seznam.cz
48
Pai-Shan-yi and 白珊憶. "The Pricing Of Commercial Banks In Taiwan." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/43790764594678659951.
Full textAbstract:
碩士東吳大學
國際貿易學系
90
Abstract： The financial statement of commercial banks are untruthful in Taiwan. Many banks are not only overvaluing their profits and equity, but also undervaluing non-performing loans and other costs. There are some problems of financial statement of banks in Taiwan, so we are difficult to value financial institutions. At first, we used the receivable interest to put forward the non-performing loan, allowance-overdue, bad debts of all banks. In order to analyze and research the truthfulness of the financial statement in banks, we applied two methods：One method selected some adjusted financial indicators to value all banks and give all banks the rating and the row, another method selected three period DCF model which is considered the integrated income tax and employee stock bonuses to pricing the value of all banks. Finally, we compared the relationship and the difference of two method
49
Thai, Trinh Quang, and Trinh Quang Thai. "The Branding Strategy of Vietnam Commercial Banks." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/mu3x9t.
Full textAbstract:
碩士國立雲林科技大學
企業管理系
106
This thesis focuses on strategy for developing brand name in Vietnam commercial banks. The thesis involves five main contents, namely: (1) Concepts of brand, brand building, (2) Conceptual framework of strategy for developing brand name in commercial banks, (3) Analyzing the strategy of building and developing brand name in Vietnam commercial banks, (4) Regression results and hypothesis and model validity, and (5) Assessing the brand equity of Vietnam commercial banks and recommendations. First of all, the thesis develops a theoretical framework of brand, brand building, and strategy for developing brand name in commercial banks. I referred to the models of building and developing a brand name from previous researches to build a theoretical framework for developing a bank brand. To assess the impact of branding factors on customer perceptions of a brand name, this thesis uses a combination of two methods of positivism and quantitative approach. This thesis establishes five hypotheses based on the process of building a brand equity strategy. Next, the primary and secondary data were collected for analysis. To collect the primary data, I conducted a survey on 218 managers working in the banking sector in Vietnam. Based on the collected sample, I constructed a regression model with 8 independent variables and 4 control variables to test this model. The research results indicate that there are six factors influencing customer feelings of bank brand, including: (1) Brand Personalization, (2) Brand Essence, (3) Brand Positioning, (4) Establishing brand strategy, (5) Brand communication strategy, and (6) Evaluation and Adjustment of brand strategy. In addition, building and developing brand name in Vietnam commercial banks has achieved many successes. However, this activity has been faced several difficulties. On the basis of the findings, the thesis suggests some recommendations for improving the strategy for developing brand name in Vietnam commercial banks.
50
INDRAPUTRA, NUGROHO DARMAWAN, and 楊興豪. "Efficiency Analysis of Commercial Banks in Indonesia." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/u7f227.
Full textAbstract:
碩士銘傳大學
企業管理學系
107
This research focuses on evaluating the performance of listed commercial banks in Indonesia over the period of 2014 to 2018, which obtained from a two- stage DEA approach combined with the multiple regression analysis. DEA was introduced by Charnes et al. (1978) as a non-parametric, data-oriented, mathematical linear programming-based method in order to measure efficiency of Decision-Making Units (DMUs) through a combination of outputs and inputs. In this paper, quarterly data from 30 listed commercial banks including state-owned and private commercial banks, which dominates a major part of banking sector in Indonesia, were taken into consideration. Three outputs and two inputs are used for assessing efficiency and evaluating the impact of ownership structure, size of banks and nationality on performance of banks. The overall results imply that the listed commercial banks in Indonesia are operating relatively more efficient year after year. The outcome also indicates that government-owned banks and large banks perform more efficiently than private-owned banks and small to medium banks. In terms of nationality origin, local banks have higher DEA efficiency scores than foreign banks. This result is relatively close to the current Indonesia banking situation.