Journal articles: 'Time banks'

1

Hallgarten, Joe, and Jodie Reed. "SchooLets/Time banks for schools." Management in Education 16, no. 4 (September 2002): 35–38. http://dx.doi.org/10.1177/089202060201600411.

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Samad, Abdus. "“Is there any Causality between the Islamic Banks’ Deposit Returns and the Conventional Banks’ Interest Rates? Evidence from Malaysian Commercial Banking”." International Journal of Economics and Financial Issues 12, no. 3 (May 17, 2022): 18–28. http://dx.doi.org/10.32479/ijefi.13003.

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This paper examined and compared the Islamic banks’ time series rates of return to depositors, 1-month, 3-month, 6-month, 9-month, and 12-month as well as the rate of return on Islamic Bank's Mudharabah saving and with the conventional banks’ similar time series deposit interest rates during 2001-2015. Non-cointegration of monthly and quarterly series of deposit interest rates, established by Johansen Cointegration test, led to the VAR Granger causality test which showed unidirectional causality running from the conventional banks’ deposit interest rates to the Islamic banks’ rate of returns. The establishment of cointegration for the conventional bank and the Islamic bank series of 6-month, 9-month, and 12-month as well as saving deposit rates series by Johansen Cointegration test led to the VEC model which establishes the short term dynamics and the stability of long run equilibrium between the rates of return of Islamic banks and interest rates of the conventional banks. The Vector Error correction results showed the speed of convergence varied from 18 percent to 24 percent. The results of the VEC Granger causality /Wald test (F-test) found unidirectional causality i.e. the direction causality running from conventional banks’ interest rate to the Islamic bank’s rate of return in all series, 6-month, 9-month, 12-month, and the saving deposit.

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Kamel Afaneh, Mohammad Kamal. "The Effect of Disclosure and Transparency Criteria In Saudi Banks on The Financial Ratios Indicators." Journal of Economics and Administrative Sciences 25, no. 116 (December 31, 2019): 290–303. http://dx.doi.org/10.33095/jeas.v25i116.1798.

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The study aimed to measure the effect of applying the disclosure and transparency standards criteria adopted by the Saudi Arabian Monetary Authority on improving performance indicators in the Saudi banking sector, by measuring the extent of the impact of the bank's financial indicators represented by liquidity, profitability and return on assets in Saudi banks by applying the criteria of disclosure and transparency, which is one of the Main principles in the list of governance, which was approved by the Saudi Arabian Monetary Authority. The analytical approach was followed to achieve the goal of the study, as the financial statements of Saudi banks were analyzed during a period of 8-year to test four hypotheses related to measuring the presence of statistically significant differences between the performance indicators of banks before and after applying the disclosure and transparency standards imposed on Saudi banks. The results of the research confirmed the existence of an inverse relationship between the bank’s liquidity and the percentage of Saudi banks ’profits. The more liquidity, the lower the profitability level of banks, which indicates that the high liquidity in Saudi banks has led to a low profitability in this time period, and the study recommended that The need to pay attention to the concept of disclosure and transparency among all related parties in Saudi banks, and banks should find a balance between liquidity and profitability

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Boyle, David. "Involving older people through time banks." Working with Older People 6, no. 2 (June 2002): 9–11. http://dx.doi.org/10.1108/13663666200200016.

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Sodagar, I., K. Nayebi, and T. P. Barnwell. "Time-varying filter banks and wavelets." IEEE Transactions on Signal Processing 42, no. 11 (1994): 2983–96. http://dx.doi.org/10.1109/78.330359.

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Kokkoris, Ioannis. "Merging banks in time of crisis." Journal of Banking Regulation 15, no. 3-4 (July 23, 2014): 313–24. http://dx.doi.org/10.1057/jbr.2014.15.

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Wang, Guangyu. "Time-varying cosine-modulated filter banks." Digital Signal Processing 15, no. 3 (May 2005): 237–54. http://dx.doi.org/10.1016/j.dsp.2004.09.007.

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8

Seyfang, Gill. "Time on our side: Time banks and active citizenship." New Economy 9, no. 4 (December 2002): 242–47. http://dx.doi.org/10.1111/1468-0041.00278.

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Wang, G. "Time-varying discrete-time signal expansions as time-varying filter banks." IET Signal Processing 3, no. 5 (2009): 353. http://dx.doi.org/10.1049/iet-spr.2008.0049.

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Al-Harby, Ahmad. "Factors Affecting Capital Structure of Conventional and Islamic Banks: Evidence from MENA Region." Global Review of Islamic Economics and Business 7, no. 2 (December 31, 2019): 069. http://dx.doi.org/10.14421/grieb.2019.072-02.

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This study aim is to investigate and compare the factors affecting conventional and Islamic bank’s capital structure choice as well as their financial characteristics. According to the best of my knowledge, this is the first paper that mainly concentrated in comparing the determinants of capital structure of conventional and Islamic banks using a cross-country data and for a long period of time (20 years). The study revealed several findings. Firstly, descriptive statistics (equality of means test) showed that conventional banks more leveraged and liquid than Islamic banks. In contrast, Islamic banks are larger and more profitable (ROA) than conventional banks. The results also indicated that Islamic banks are not riskier than conventional banks. Secondly, the regression results showed that all variables, except tax-shield, had the same impact on both banking types capital structure. It been found that profitability, tangibility, business risk and age correlated negatively and significantly with capital structure. In the other direction, size, liquidity and inflation had significant and positive relation with capital structure. Vis-à-vis tax-shield, this variable had a weak impact (positive) on Islamic bank’s capital structure but had no effect on conventional banks and this attributed to Islamic banks sample.

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Mabić, Mirela, Dražena Gašpar, and Damir Lucović. "Presence of Banks on Social Networks in Bosnia and Herzegovina." Business Systems Research Journal 8, no. 2 (September 1, 2017): 59–70. http://dx.doi.org/10.1515/bsrj-2017-0016.

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Abstract Background: Social networks allow real-time interaction that enhances a bank’s ability to respond to customers in a timely, intuitive and personalized manner. By using social networks, banks can improve the understanding of their clients and bank’s products they need. Also, banks can enhance relations with clients and strengthen their brand through raising client loyalty. Objectives: The paper explores and analyses the current presence of banks in Bosnia and Herzegovina on social networks. Methods/Approach: The paper studies the presence of 24 banks in Bosnia and Herzegovina on social networks and analyses the basic characteristics of profiles/pages of the banks on the most popular social networks. Results: A half of the banks have their profiles/pages on different social networks (mostly on Facebook and YouTube). They use the profiles/pages mainly for content marketing, i.e. for presenting their business operations. Unfortunately, banks do not encourage interaction with clients, except through likes. Conclusions: The analysis does not show that banks have a systematized and planned appearance on social networks. There is a plenty of room for improvement, and it is necessary primarily to address the interaction between clients and banks through social networks.

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Atuahene, Sampson Agyapong, Kong Yusheng, Geoffrey Benturn-Micah, and Abigail Konadu Aboagye. "Impact of Capital Adequacy on Banks’ Performance: Considering the Basel International Regulatory Framework for Banks." ETIKONOMI 20, no. 1 (February 22, 2021): 45–54. http://dx.doi.org/10.15408/etk.v20i1.15590.

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This study examines the impact of banks' capital on the performance of banks. The studies adopted a fixed-effect model estimation. Time-series data covering the period 2008-2017 for Ghanaian listed universal banks was considered. We found out that the bank’s capital and banks’ net profit after tax has a positive and significant relationship with banks’ total asset base as a performance indicator. We further discovered through correlational analysis that there is a strong negative link between banks' outstanding loans (credit advancement) and banks' performance. The fundamental implications of this study are to encourage the monitoring of capital adequacy of banks since it creates opportunities for banks to perform effectively.JEL Classification: E5, E44, G21, G30How to Cite:Atuahene, S. A., Yusheng, K., Bentum-Micah, G., & Aboagye, A. K. (2021). Impact of Capital Adequacy on Banks’ Performance: Considering the Basel International Regulatory Framework for Banks. Etikonomi: Jurnal Ekonomi, 20(1), 45 – 54. https://doi.org/10.15408/etk.v20i1.15590.

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13

North, Peter. "Time Banks — Learning the Lessons from LETS?" Local Economy: The Journal of the Local Economy Policy Unit 18, no. 3 (August 2003): 267–70. http://dx.doi.org/10.1080/0269094032000111048.

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Reed, Zoë. "Co‐production, time banks and mental health." A Life in the Day 12, no. 1 (February 2008): 8–11. http://dx.doi.org/10.1108/13666282200800003.

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Duque, Carlos Augusto, Paulo M. Silveira, and Paulo F. Ribeiro. "Visualizing time-varying harmonics using filter banks." Electric Power Systems Research 81, no. 4 (April 2011): 974–83. http://dx.doi.org/10.1016/j.epsr.2010.11.030.

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Gaggl, Paul, and Maria Teresa Valderrama. "DO BANKS TAKE UNUSUAL RISKS WHEN INTEREST RATES ARE EXPECTED TO STAY LOW FOR A LONG TIME?" Macroeconomic Dynamics 23, no. 06 (December 14, 2017): 2409–33. http://dx.doi.org/10.1017/s1365100517000748.

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The financial woes that initiated the financial crisis of 2007/08 have, at least in part, been traced to excessive bank risk-taking. What induced this behavior? One explanation is the persistently low short-term interest rates during the mid-2000s. We exploit an extensive panel of matched Austrian banks and firms during 2000–2008 to investigate the effects of the European Central Bank's (ECB) policy of persistently low interest rates during 2003q3–2005q3. Our analysis suggests that this policy likely caused Austrian banks to hold risker loan portfolios than they would have in its absence.

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Nugroho, Vina, Roy Sembel, Edison Hulu, and Gracia Ugut. "Interest rate spread determinant based on the interdependency relationship between a bank’s loan rate and time deposit rate." Banks and Bank Systems 17, no. 2 (May 17, 2022): 57–74. http://dx.doi.org/10.21511/bbs.17(2).2022.06.

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This study analyzes the factors responsible for the lower net interest rate at commercial banks located in Indonesia, Thailand and the Philippines. Data were collected from 35, 10 and 13 commercial banks in Indonesia, Thailand, and the Philippines, respectively, from 2012 to 2020 using the Fixed effect model. The Simultaneous Equation Model was used to analyze the macroeconomic factors and banks’ specific characteristics towards Loan and Time Deposit rates. The result showed that macroeconomic factors, such as the inflation rate, significantly affect loan and time deposit rates in these countries. In Indonesia, bank competition should be reduced and banks’ stability should be higher to minimize Net Interest Margin Spread (difference between Loan Rate and Deposit Rate). In the Philippines, banks should increase their capital and liquidity. So, they will be more confident and prudent in lowering their NIM. Thailand’s banking industry has unique characteristics with high monopoly power. The bigger and greater the market share, the larger the interest rate spread on customers. Therefore, regulators in each country need to consider these important variables when making decisions on lowering the net interest rates by banks to enhance social welfare.

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Polovina, Nereida, and Ken Peasnell. "The effect of foreign management and board membership on the performance of foreign acquired Turkish banks." International Journal of Managerial Finance 11, no. 3 (June 1, 2015): 359–87. http://dx.doi.org/10.1108/ijmf-06-2014-0086.

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Purpose – The purpose of this paper is to explore the effects of appointing foreign directors on the foreign acquired Turkish banks. Based on the developments in the Turkish banking system and the distinctive features of the Turkish market, the authors examine the appointment of foreign directors in three different levels: as a CEO, chairman and board member. The authors analyse how the appointments of foreign directors in each of these three levels affects the profitability and strategies of foreign acquired banks. Design/methodology/approach – The authors use the difference-in-difference (DID) model where the authors compare two groups: foreign acquired banks vs domestic banks for a five-year period. By applying the DID model, the authors aim to remove the time invariant individual characteristics of the banks that could be due to the permanent differences between the two groups, as well as biases from comparisons over time that could be due to trends. Findings – The authors find that the presence of the foreign chairman has a positive effect on the profitability of the foreign acquired bank and on the improvement of the income generated from interest activities, indicating that foreign chairman improves the monitoring of board of directors and brings new skills and experiences. Furthermore, foreign acquired banks are associated with an increase in the income generated from non-interest activities in the fifth year following their acquisitions, showing the introduction of new strategies. The change of the foreign acquired bank’s strategies in the fifth year after acquisition also suggests that it takes time to implement new strategies in a new environment. Originality/value – Though the effects of foreign board membership on bank’s performance have been previously discussed in literature, this study differentiates in that it distinguishes among different positions, e.g. chairman or CEO when examining the effect of a foreign director on a foreign acquired bank’s performance. In addition, the use of foreign acquired Turkish banks in the sample in this context adds to the general academic literature.

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Amanatidou, Effie, Giorgos Gritzas, and Karolos Iosif Kavoulakos. "Time banks, co-production and foresight: intertwined towards an alternative future." Foresight 17, no. 4 (August 10, 2015): 308–31. http://dx.doi.org/10.1108/fs-05-2014-0035.

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Purpose – The purpose of this paper is to analyse the emergence, operation and features of the time banks that were created during the recent financial crisis in Greece as grass-roots initiatives of different communities, and to examine their relation to the concept of “co-production” and possible relevance to foresight. Time banks are particularly interesting for the future of services: they address all sorts of services while the time-bank “value” of these different types of services does not necessarily reflect their actual value in the free market; impacts may spread from the mere coverage of people’s needs, to increased social capital and community empowerment; and some scholars consider them as flexible forms of co-production, or even as enablers of wider social change. The purpose of the paper is to examine the emergence, and features of the time banks created during the recent financial crisis in Greece as grass-roots initiatives. Design/methodology/approach – Primary information and data were gathered through eight extensive face-to-face interviews with key members of the four time banks based on a semi-structured questionnaire. The methodology also included desk research and review of the information included in time banks’ websites. The selection of these four time banks was based on the fact that they are the most active ones in Athens, which is the capital of the country gathering around 40 per cent of the Greek population and presenting the severest consequences of the financial crises in terms of unemployment, poverty, shutdown of businesses, share of people with no insurance, etc. Findings – Based on a specific analytical framework summarising the available literature, the Greek time banks are compared with each other but also in relation to the findings in the literature, where some interesting differences emerge. The paper also explores the role that foresight can plan in the development of alternative initiatives like time banks. The interesting conclusion is that foresight can help time banks as much as time banks can help foresight in upgrading its processes to deal with challenges of the twenty-first century. Research limitations/implications – The research focuses on the four most active time banks in Athens. While this selection is justified, future research would be good to include all the time banks in Greece. Social implications – The paper explores how time banks in Greece emerged as well as how they can further develop. This is of direct relevance to society as time banks are by default a community initiative. Originality/value – Time banks in Greece have not been previously studied. Second, time banks in general were never linked to approaches like foresight. This becomes increasingly important in examining possible approaches toward more sustainable and resilient societies.

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Loder, John W., Charles K. Ross, and Peter C. Smith. "A Space- and Time-Scale Characterization of Circulation and Mixing over Submarine Banks, with Application to the Northwestern Atlantic Continental Shelf." Canadian Journal of Fisheries and Aquatic Sciences 45, no. 11 (November 1, 1988): 1860–85. http://dx.doi.org/10.1139/f88-219.

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The circulation and mixing over submarine banks is described in terms of integral space and time scales determined from Eulerian and Lagrangian currents. The time scales include the time for vertical diffusion across the pycnocline or water depth, the recirculation times of any residual gyre, and the residence time over the bank. These may be intercompared to obtain a description of a bank's physical regime and compared with the time scales associated with biological processes to identify possible physical–biological linkages. The space scales include the vertical diffusion distance during a time interval and the excursions associated with horizontal current fluctuations. These may be compared with topographically imposed and biologial space scales. The integral-scale characterization is applied to four northwestern Atlantic banks. The data suggest that the vertical diffusion time is longer than the recirculation and residence times of the surface water on Flemish Cap, shorter on Browns and Georges Banks, and comparable with the Southeast Shoal residence time; the recirculation time is greater than the residence time of the near-surface water on all banks except Georges and the western cap of Browns Bank; and the cross-bank excursions are much less than the bank radius on all except Browns Bank.

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Kozmenko, Serhiy, Inna Shkolnyk, and Alina Bukhtiarova. "Dynamics patterns of banks evaluations on the basis of Kohonen self-organizing maps." Banks and Bank Systems 11, no. 4 (December 22, 2016): 179–92. http://dx.doi.org/10.21511/bbs.11(4-1).2016.09.

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In the research, bank patterns analysis is held on the basis of Kohonen self-organizing maps with the aim to determine further directions of bank strategies development under the influence of crisis events in Ukraine’s economy. For model practical approval, the sample of 32 banks was formed, which presents four groups of banks according to the classification determined by the National Bank of Ukraine. While constructing model, 15 indexes were used that characterize bank’s functioning efficiency. As a result of research, cluster ranking was constructed, the groups (powerful banks, stable, problem banks and banks that are in the crisis state and bankrupt state) were formed and the trajectory of bank evolution as a patterns unity, each of which characterizes the activity of bank on a definite moment of time. It gives possibility for the government regulation authority – central bank to take decisions according to the appropriateness use of regulation instruments of separate bank with the aim of saving stable banking system state in a whole, and for the clients – to evaluate bank’s reliability. Keywords: banks, banking system, economic modeling, Harrington desirability function, cluster analysis, self-organizing map, pattern of bank. JEL Classifications: G17, G21, G33

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Semenova, N. N., I. A. Ivanova, and A. A. Vasil’kina. "Sustainable Development Assessment of Commercial banks based on the Analytic Hierarchy Process." Finance: Theory and Practice 25, no. 4 (August 24, 2021): 121–35. http://dx.doi.org/10.26794/2587-5671-2021-25-4-121-135.

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In the present context, the issues of sustainable development of commercial banks are becoming particularly relevant, since they largely determine the state of the country’s economy as a whole. At the same time, commercial banks operate under the influence of various factors of the internal and external environment, digital transformation and the transition to the fourth industrial revolution, which significantly changes the conditions of their functioning. The time lag in which a credit institution can be in a relatively static, stable state is reduced. In this regard, there is a need to develop a methodology for assessing the sustainable development of commercial banks. This paper aims to develop theoretical provisions and methods for assessing the sustainable development of commercial banks using the analytic hierarchy process. As a result of the research, theoretical approaches to the disclosure of the economic content of the sustainable development of commercial banks, as well as existing A methodological approach to assessing the sustainability of the bank’s development is justified, considering five components: economic, social, environmental, institutional and technological. Within the framework of this approach, criteria for their assessment are proposed for each of the components of the sustainability of the development of commercial banks, a scale of their relative importance is constructed and vectors are determined based on expert assessments. The authors make a conclusion that it is necessary to distinguish four types of stability of the bank’s development: absolute stability, normal stability, unstable state, crisis state. This approach can be used by commercial banks when developing a strategy for the sustainable development of financial and credit organizations. Prospects for further research may be associated with the development of alternative methods for assessing the sustainable development of commercial banks.

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Muhammad Yar Khan, Javaria Liaqat, Tahira Awan, and Wajid Khan. "The Impact of Macroeconomic Factors on Banks Liquidity Risk: Evidence From Pakistan." Journal of Business & Tourism 5, no. 2 (November 6, 2021): 155–63. http://dx.doi.org/10.34260/jbt.v5i2.147.

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The aim of the study is to identify the factors that influence liquidity risks of the banks by considering the panel of 18 top listed banks in Pakistan during a period of 2010 -2016. The study employed panel random effect regression model to absorb time-invariant shocks, which gives robust inferences. The results of liquidity risk confirmed that the country’s economic growth and price inflation further escalates liquidly risk while, FDI inflows reduces liquidity risks in Pakistani’s banks, thus it is concluded that bank’s liquidity risks required easy monetary policy to advancing loans and charging low interest rate, which ultimately will increase ROA, and ROE, while it would helpful to decrease high risk of bank’s liquidly in a given country.

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Gregory, Lee. "Spending Time Locally: The Benefit of Time Banks for Local Economies." Local Economy: The Journal of the Local Economy Policy Unit 24, no. 4 (June 2009): 323–33. http://dx.doi.org/10.1080/02690940903026852.

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Indrajaya, Indrajaya. "DETERMINAN NON-PERFORMING FINANCING PADA BANK UMUM SYARIAH DI INDONESIA." Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 5, no. 1 (June 30, 2019): 68. http://dx.doi.org/10.20473/jebis.v5i1.13180.

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The accumulation of non performing financing in economic activities financed by banks can cause problems with the continuity of the bank's operations, if that exceeds certain limits will have potential to stop the bank's activities. This study aims to analyze the influence of bank’s internal variables like FDR, CAR, BOPO and bank external variables like macroeconomic indicators consisting of exchange rates, inflation and GDP (GDP) against non-Performing Financing (NPF) of Islamic Commercial Banks in Indonesia. The data used are monthly industrial time series of Sharia Commercial Banks (BUS) for the period June 2014 to December 2018 sourced from the Islamic Banking Statistics of the Financial Services Authority, the Central Bureau of Statistics (Badan Pusat Statistik) and Bank Indonesia and analyzed using multiple regression methods. The research implications explain the relationship between the internal variables of the bank company (FDR, CAR and BOPO) and macroeconomic variables (Inflation, Exchange and GDP) on the NPF of Islamic banks in Indonesia so that they can be used as input for the relevant authorities in making policies to suppress NPF at a low level. The variables used can provide an overview of the role of the implementation of sharia public bank governance and existing macroeconomic conditions so that it can produce policies and provisions in the field of sharia banking that are effective and on target. The results showed that the CAR variable had a significant effect on NPF with negative influence. Whereas FDR, BOPO, exchange rate, inflation and GDP have no influence on NPF BUS in IndonesiaKeywords: Non Performing Financing, Non Performing Loan, Islamic Commercial Bank, Indonesia.

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Tariq, Waqas, Muhammad Usman, Haseeb Zahid Mir, Inam Aman, and Imran Ali. "Determinants of Commercial Banks Profitability: Empirical Evidence from Pakistan." International Journal of Accounting and Financial Reporting 1, no. 1 (July 8, 2014): 1. http://dx.doi.org/10.5296/ijafr.v4i2.5939.

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As profitability is a comparative measure that describes the associations of total amount of profit with different factors. Thisstudy examines the influence of commercial banks determinants on the performance of commercial banks in Pakistan over the time period from 2004-2010. Consistency in performance is the basic reason for smooth running and presence of every financial institution.Profitability is the most significant and consistent indicator as it contributes huge amount of profitthat ultimately impacts its performance positively. The commercial bank’s profitability is found out by the return on equity (ROE) and net-interest margin(NIM). Result indicates that the capital strength of a bank is utmost significance in affecting its performance, as a well-capitalized bank is observed to be less risky and such edge lead to high profitability. The assets quality, measured by the loans loss provisions, affects the performance of the banks positively and bank size as deposit indicates direct association with profitability as large banks earn more profit instead of small banks. Inflation and NIGI affects the bank’s profitability inversely as increase inflation affects banks cost that increased and its earning main source is its fee that it charge on its services but free services without any charges decrease in gross income that lead a reduction in profit. This study is important and worthwhile for all commercial banks mangers regarding performance decisions of banks. As the development of the banking sector depends profoundly on strong decision making that leads to the efficiency and performance

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Durguti, Esat A., Enver H. Krasniqi, and Dea Krasniqi. "Assessing the Performance of Factors Affecting the Profitability of the Banking System: Evidence from Kosovo." European Journal of Sustainable Development 9, no. 2 (June 1, 2020): 304–14. http://dx.doi.org/10.14207/ejsd.2020.v9n2p304.

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This review done by empirical surveillance observes the significances of a number of the explicit factors of the bank that are matching to bank governance, financial market configuration on one hand, and macroeconomic aspects of the Kosovo bank's performance on another hand. The Management and assessment of Kosovo's bank effectiveness were accomplished through two indicators return on assets (ROA) and return on equity (ROE). To recognize this assessment, the OLS, and Arellano-Bond (GMM) regression method will be applied with the data used from the financial statements of Kosovo banks on a periodical basis over the period 2006-2019. Based on the challenging environments in which the banking system of Kosovo has passed, we have carefully chosen some specific determinants of the banking industry, as well as some of the macroeconomic determinants. The outcomes propose that upcoming studies may contain diverse dynamic models as well as altered dependent and independent features to elucidate the performance of Kosovo banks. Keywords: Bank’s profitability, time series, OLS regression, GMM.

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Padmanabhan, M., and K. Martin. "Filter banks for time-recursive implementation of transforms." IEEE Transactions on Circuits and Systems II: Analog and Digital Signal Processing 40, no. 1 (1993): 41–50. http://dx.doi.org/10.1109/82.215359.

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Herley, C., and M. Vetterli. "Orthogonal time-varying filter banks and wavelet packets." IEEE Transactions on Signal Processing 42, no. 10 (1994): 2650–63. http://dx.doi.org/10.1109/78.324731.

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Carnero, M. Angeles, Blanca Martinez, and Rocío Sánchez-Mangas. "Explaining transactions in time banks in economic crisis." Applied Economics Letters 22, no. 9 (November 4, 2014): 739–44. http://dx.doi.org/10.1080/13504851.2014.975323.

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Hansen, Kai Arne, and Stan Hawkins. "Azealia Banks: ‘Chasing Time’, erotics, and body politics." Popular Music 37, no. 2 (April 13, 2018): 157–74. http://dx.doi.org/10.1017/s0261143018000053.

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AbstractDuring the 2010s a new generation of queer hip hop artists emerged, providing an opportunity to engage with a set of politics defined by art, fashion, lyrics and music. A leading proponent of this movement was Azealia Banks, the controversial rapper, artist and actress from New York. This study instigates a critical investigation of her performance strategies in the track and video, ‘Chasing Time’ (2014), offering up various perspectives that probe into queer agency. It is suggested that techniques of sonic styling necessitate a consideration of subjectivity alongside genre and style. Employing audiovisual methods of analysis, we reflect on the relationship between gendered subjectivity and modalities of queerness as a means for demonstrating how aesthetics are staged and aligned to advanced techniques of production. It is argued that the phenomenon of eroticised agency, through hyperembodied display, is central to understanding body politics. This article opens a space for problematising issues of black female subjectivity in a genre that is traditionally relegated to the male domain.

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Al-Adnani, A., R. Chapman, and T. S. Durrani. "Time-domain design of FIR multirate filter banks." Electronics Letters 29, no. 9 (1993): 752. http://dx.doi.org/10.1049/el:19930504.

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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.

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Imata, Satoshi, Masaaki Ikehara, and Shin-ichi Takahashi. "Cosine-modulated two-dimensional time-varying filter banks." Electronics and Communications in Japan (Part III: Fundamental Electronic Science) 80, no. 11 (November 1997): 46–54. http://dx.doi.org/10.1002/(sici)1520-6440(199711)80:11<46::aid-ecjc5>3.0.co;2-q.

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Mylonakis, John. "Cooperative Banks in Greece and Small & Medium Enterprises Views at a Time of Credit Constraints." International Finance and Banking 7, no. 2 (November 15, 2020): 55. http://dx.doi.org/10.5296/ifb.v7i2.17943.

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Cooperative banks are among those credit institutions that have played an important role in the financial systems of many countries, usually operating supplementary to the traditional commercial banks, mainly at regional level and aiming mostly at supporting SMEs financial needs. They provide traditional banking products to local SMEs even in remote areas. The number of Cooperative Banks in Greece has been decreased from originally 16 banks to 6 in the second half of 2020. The scope of this paper is to examine the managers’ views of 158 SMEs towards Cooperative Banks’ support (banking facilities) over the economic and financial crisis period (2015-2019). The research was carried out the last three months of 2019, using constructed questionnaire to a random sample of 208 Cooperative Banks’ clientele in places where Cooperative Banks have branches. Research showed that SMEs have a quite good opinion for Cooperative Banks presence in Greece.

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Mukherjee, Sovik. "Non-performing assets of banks and economic growth vinculum in the era of globalization: The Indian experience." International Journal of Business Ecosystem & Strategy (2687-2293) 1, no. 3 (July 1, 2019): 19–31. http://dx.doi.org/10.36096/ijbes.v1i3.282.

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The introduction of the New Economic Policy (NEP) in 1991 by the Government of India (GoI) made it very clear that the viability of commercial banks is conditioned on their ability to make profits. In a globalized world, the whims and fancies of business cycles govern the fate of banks and a recessionary phase hampers the bank’s ability to pile on the profits thereby increasing their stock of non-performing assets. India, recently, is placed in a very bizarre situation, — some of the renowned banks are reporting huge losses but there is a very limited impact on stock markets. Strategically, the government, however, has taken corrective measures to arrest the growth of non-performing assets (NPAs) of banks. This paper builds upon a time series model capturing the position of NPAs of banks in India (excluding foreign banks operating in India). Empirically, there is a uni-directional causal relationship running from NPAs of banks to growth. Theoretically, what we can conclude is that imposing strict lending norms on banks actually manifests itself into a deeper recession, lowers growth and in turn aggravates the NPA problem further.

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Bakhit, Wael, and Salma Bakhit. "Banks' Stability." International Journal of Finance & Banking Studies (2147-4486) 3, no. 2 (April 21, 2014): 60–80. http://dx.doi.org/10.20525/ijfbs.v3i2.184.

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This paper employs a quarterly time series to determine the timing of structural breaks for interest rates in USA over the last 60 years. The Chow test is used for investigating the non-stationary, where the date of the potential break is assumed to be known. Moreover, we empirically examined the deviation from an assumed interest rate as given in a standard Taylor rule and consequences on financial sectors. The empirical analysis is strengthened by analysing the rule from a historical perspective and look at the effect of setting the interest rate by the central bank on financial imbalances. The empirical evidence indicates that deviation in monetary policy has a potential causal factor in the build up of financial imbalances and the subsequent crisis where macro prudential intervention could have beneficial effect. Thus, our findings tend to support the view, which states that the probable existence of central banks has been one source of global financial crisis since the past decade.

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Sthembiso Msomi, Thabiso. "Factors affecting non-performing loans in commercial banks of selected West African countries." Banks and Bank Systems 17, no. 1 (January 19, 2022): 1–12. http://dx.doi.org/10.21511/bbs.17(1).2022.01.

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This paper examines the macro-economic and bank-specific factors affecting non-performing loans in commercial banks. Using 47 listed commercial banks from six countries, namely 19 banks from Nigeria, 14 banks from Benin, 3 banks from Burkina Faso, 3 banks from Gambia, 3 banks from Guinea, and 5 banks from Liberia for the period 2008 to 2019, fixed and random effect model was used. The Hausman test favored the selection of fixed effect model, and it was found from the estimation that the liquidity ratio, capital adequacy ratio and inflation rate significantly affect non-performing loans. As a result, it is advised that banks depend not only on their ability to achieve the capital adequacy ratio, but also guarantee that loans are thoroughly scrutinized before being issued to beneficiaries. Bank managers should guarantee that banking staff is not simply awarding loans to secure their jobs by accumulating deposits from consumers at the price of the bank’s long-term stake. In addition, the economies of West Africa should keep their inflation rates low so that repayment of loans on time is cheap and realistic. AcknowledgmentI would like to appreciate Fezile Nonjabulo Gcwabaza for love and support throughout this research project.

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Choi, Jae-Ho, Bong-Tae Kim, and Won-Koo Kim. "Time-Variant Moving Objects Extraction using Velocity-Tuned Filter Banks and Time-Recursion Method in Infrared Image Sequences." Journal of Circuits, Systems and Computers 07, no. 04 (August 1997): 283–99. http://dx.doi.org/10.1142/s0218126697000218.

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A motion vector selective moving object estimation algorithm that preserves the exact shapes and textures of moving objects is presented. In order to extract multiple moving objects with arbitrary motion vectors embedded in the sequence of image frames of cluttered stationary background as alleviating the aliasing effects, both 3D spectral filter banks, called velocity-tuned filter banks, and time-recursive Kalman filter are incorporated to work in parallel. Furthermore, using the fact that the motion energy for each one of the moving objects takes a unique part of the spectrum in the 3D spatio-temporal frequency space, the rotation invariant multiple moving objects detection is also possible when using the proposed filter banks. Simulations have been run to analyze the performance of our filtering algorithm utilizing image sequences of natural scenes. The accurate and robust sets of estimation results are observed down to signal-to-noise ratios of 12 dB.

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Khan, Waseem Ahmad, Maria Shahid, Rafia Bari, Waqasia Anam, Nimra Shehzad, and Samnia Siddique. "Impacts of Inflationary Trends on Banks’ Performance(Large Banks Segment) in Pakistan." International Journal of Accounting and Financial Reporting 4, no. 1 (May 3, 2014): 296. http://dx.doi.org/10.5296/ijafr.v4i1.6083.

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Inflation is an economic period in which prices raised interest rate increases and affects some businesses positively and some negatively. This paper examines the overall Inflationary trends that have great influence on the performance of the large banking segment of Pakistan. This study is directed to verify the impact of inflationary trends on the top rated banks in Pakistan and return on assets (ROA), return on equity (ROE) and net interest margin as key performance indicators of banking sectors are selected as variable. Researchers calculate the figures of these variables and then discuss these figures with bank representatives. The research sample consists of large banks in Bahawalpur district. Through discussion and calculated results, a strong positive relation has found among the variables, i.e. inflation over bank's performance. The limitation of the study is that data of limited years have been taken the due to the unavailability of data and time constraint as well as only banks of Bahawalpur district considered.

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Anielak-Sobczak, Karolina. "A bank’s intellectual capital and its importance in building competitiveness on the example of Polish listed banks." Ekonomia i Prawo 21, no. 1 (March 31, 2022): 5–24. http://dx.doi.org/10.12775/eip.2022.001.

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Motivation: Contemporary banks operating in the knowledge-based economy are constantly looking for sources of improving their competitiveness and attractiveness compared to the banking sector. Therefore, the ability to flexibly respond to changes taking place in the market environment and use the resources and experience in a creative way becomes essential. Intellectual capital is a source of the bank’s intangible resources, such as knowledge, employee skills, service quality, social relations and image, and innovations. The present study focuses on the structure of intellectual capital, which has been long discussed for a long time and became a subject of numerous studies. The concept of division of the bank’s intellectual capital into three subsystems was herein presented: organizational capital (KORG), innovative capital (KINN) and institutional capital (KINS). These subsystems will be included in the creation of a synthetic measure defining the bank’s competitiveness. Aim: The objective of this study is to present a method enabling the assessment of the competitiveness of listed banks in Poland with the use of multidimensional statistical methods, taking into account diagnostic variables that determine the economic and intellectual capital of banks, including its subsystems. Results: The article systematizes the concept of the division of intellectual capital. Thanks to the aggregate measure of the bank’s competitiveness, the author presented a ranking of banks, indicating the leader among the 11 banks listed on the stock exchange in Poland in 2009–2019. The proposed multidimensional analysis of the bank considers its financial and intellectual resources, which means that stakeholders can evaluate the bank’s data and its long-term development strategies. The long-term leadership position may indicate the bank’s condition and its intensified activities in intellectual capital development, which may be important information for stakeholders.

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Hoque, Md Ariful, Afzal Ahmad, Mustafa Manir Chowdhury, and Mohammad Shahidullah. "Impact of Monetary Policy on Bank’s Profitability: A Study on Listed Commercial Banks in Bangladesh." International Journal of Accounting & Finance Review 5, no. 2 (October 11, 2020): 72–79. http://dx.doi.org/10.46281/ijafr.v5i2.796.

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Monetary policy is the policy by which the government of a country control supplies of money in an economy which is announced by the central bank for every six months. Central Bank carries out monetary policy by the banking system of a country. Central Bank uses Bank rate; Cash reserve ratio and open market operation to control the availability of funds in an economy. Within these three instruments, the cash reserve ratio is directly linked to the commercial bank's profitability. Every commercial bank maintains a cash reserve ratio against their demand & time deposits. Being changes in the cash reserve ratio banks profit level may increase or decrease. The prime intention here is to show the impact of monetary policy, especially Cash Reserve Ratio on the commercial bank's profitability. This study covers only listed commercial banks in Bangladesh. As sample researcher purposively selected 15 listed commercial banks that have available information. Results revealed that CRR negatively related to Return On Assets (-0.1133), Return On Equity (-0.0577) as well as Return On Investment (-0.0504). This means the bank's profitability declined due to the increase in cash reserve ratio (CRR). Again regression analysis outlined that the cash reserve ratio negatively impacts on the profitability of studied commercial banks in Bangladesh, which is statistically significant at the 10% level. Researchers proposed that Bangladeshi commercial banks will design their profitability plan by considering monetary policy tools, particularly the Cash reserve ratio.

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Dong, Hao, and Wenquan Han. "Design and Application of Bank Big Data Platform Based on Hadoop Technology." E3S Web of Conferences 214 (2020): 01028. http://dx.doi.org/10.1051/e3sconf/202021401028.

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At present, the design of big data platforms for many domestic banks is still insufficient. This article builds a Hadoop-based bank big data platform based on the big data platform construction experience of a large state-owned commercial bank. By introducing cutting-edge mainstream big data open-source tools, the overall architecture of the big data platform of commercial banks is built. At the same time, this article discusses critical technical solutions such as storage engine, resource management, calculation engine, analysis engine, interactive front end, and data management, task management, and user management to build a bank’s big data platform. This article hopes to provide a reference for other banks to make big data platforms.

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Jiunn Yi, Pang, Devinaga R, Yuen Yee Yen, Suganthi ., and Shalini . "The Macroeconomic Determinants of Foreign Bank’s Profitability in Malaysia." International Journal of Engineering & Technology 7, no. 3.21 (August 8, 2018): 152. http://dx.doi.org/10.14419/ijet.v7i3.21.17153.

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The topic of this research paper is “The macroeconomic determinants of foreign bank’s profitability in Malaysia. Panel data method were employed to analyze the cross sectional data and time series data collected from 2006 to 2015 from a sample of ten foreign banks in Malaysia. Measurement of profitability is based on Return on assets which is a function of the macroeconomic determinants; GDP, inflation rate and real interest rate. The overall finding of this research study shows that GDP, inflation rate and real interest rate are the determinants of foreign banks in Malaysia. Those determinants were found to be statistically related on profitability and all of them had a positive relationship towards the profitability of foreign banks in Malaysia.

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Serbina, Ekaterina. "Some Aspects of Chinese Policy Banks’ Activity at the Present Time." Problemy dalnego vostoka, no. 1 (2022): 111. http://dx.doi.org/10.31857/s013128120018450-6.

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The Chinese policy banks (the State Development Bank of China, the Export-Import Bank of China and the Agricultural Development Bank of China) were created with the goal of financing national projects both abroad and inside China. They play an important role in providing loans to green and social projects and concessional lending to small and medium-sized enterprises. It is expected that there will be growth in the financing of scientific and technical areas during the 14th Five-Year Plan (2021-2025). In order to finance large-scale projects, the policy banks require a constant flow of funds. This article analyzes the main sources of the banks’ funding amongst which accepting loans from the People`s Bank of China and the issuing of bonds are in the lead. The two sources mentioned are characterized by reliability and constancy, but also have risks attached to them. These include limited sources of liquidity in general, increasing competition from local administrations which are also empowered to issue bonds, lending to low profit (but strategically important) projects, an implied long maturity period of medium and long-term loans, and other factors. Proof of sufficient capital is vital because policy banks have a key role regarding instruments for countercyclical regulation in the process of stabilizing the economy for example when funds were distributed through the banks to the most vulnerable sectors during the worst of the pandemic. To improve the policy banks’ financial efficiency it has been necessary to draft a Policy Banks Act. This supports the development not only of national but also of commercial projects, the granting of more independence to branches in the search for and selection of projects (taking into consideration local/regional/international specifics), the diversification of liquidity sources and the establishment of compensation for losses sustained during repayment of failing loans, to improve risk management. This necessary next stage of banking reform is expected to be enacted during 2022-2023.

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Nabilah, Hashifah, and Wisnu Mawardi. "PENGARUH GIRO WAJIB MINIMUM (GWM), SUKU BUNGA DEPOSITO BERJANGKA, DANA PIHAK KETIGA (DPK) DAN COST OF LOANABLE FUNDS TERHADAP BASE LENDING RATE (BLR) (Studi Pada Bank Swasta Nasional dan Bank Persero yang Terdaftar di Bursa Efek Indonesia Periode 2010-2014)." JURNAL STUDI MANAJEMEN ORGANISASI 13, no. 2 (December 31, 2016): 131. http://dx.doi.org/10.14710/jsmo.v13i2.13404.

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Base lending rate is the implementation process of the management of bank funding. Inbanking industry which more competitive, banks are required to offer a low base lendingrate. On the other hand, the banks had no motivation to maximize revenue. This study isaimed to analyze the effect of reserve requirements, deposit interest rates, third partyfunds and cost of loanable funds to the base lending rate.The samples used in this study are 14 private national banks and state-owned banks listedon the Indonesia Stock Exchange in 2010-2014. The method of this research is usingmultiple regression model with IBM SPSS Statistics 22 program to analyze the effect ofindependent variables to the dependent variable.The result shows that the deposit interest rate and the cost of the loanable funds havepositive and significant effect to the base lending rate. However, reserve requirementsand third party funds does not affect to base lending rate. These results proved that highinterest rates on time deposits are the bank's strategy to increase market share of timedeposits which is bank's largest sources of funding and the component that has thebiggest influence on BLR is COLF amounted to 33.79% of the components that formBLR.

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Jakšić, Milena, Slaviša Moljević, Aleksandar Aleksić, Mirjana Misita, Slavko Arsovski, Danijela Tadić, and Predrag Mimović. "Fuzzy Approach in Ranking of Banks according to Financial Performances." Mathematical Problems in Engineering 2016 (2016): 1–11. http://dx.doi.org/10.1155/2016/6169586.

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Evaluating bank performance on a yearly basis and making comparison among banks in certain time intervals provide an insight into general financial state of banks and their relative position with respect to the environment (creditors, investors, and stakeholders). The aim of this study is to propose a new fuzzy multicriteria model to evaluate banks respecting relative importance of financial performances and their values. The relative importance of each pair of financial performance groups is assessed linguistic expressions which are modeled by triangular fuzzy numbers. Fuzzy Analytic Hierarchical Process (FAHP) is applied to determine relative weights of the financial performances. In order to rank the treated banks, new model based on Fuzzy Technique for Order Performance by Similarity to Ideal Solution (FTOPSIS) is deployed. The proposed model is illustrated by an example giving real life data from 12 banks having 80% share of the Serbian market. In order to verify the proposed FTOPSIS different measures of separation are used. The presented solution enables the ranking of banks, gives an insight of bank’s state to stakeholders, and provides base for successful improvement in a field of strategy quality in bank business.

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Christoffoleti, P. J., and R. S. X. Caetano. "Soil seed banks." Scientia Agricola 55, spe (1998): 74–78. http://dx.doi.org/10.1590/s0103-90161998000500013.

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The goal of this literature review is to discuss some of the major aspects of the soil seed bank, from its characteristics down to methodological aspects of its determination. Soil seed bank is the reservoir of viable seeds or of vegetative propagules that are present in the soil and that are able to recompose a natural vegetation. In the agroecossystems the soil seed bank is related to weeds, and the knowledge of its size and composition in terms of species can be used in the prediction of future infestations, to built simulation models of population establishment through time and also the definition of soil and cultural management programs, in order to have a rational use of herbicides.

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Boyle, David. "The New Mutualism and the Meaning of Time Banks." Local Economy: The Journal of the Local Economy Policy Unit 18, no. 3 (August 2003): 253–57. http://dx.doi.org/10.1080/0269094032000111048b.

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Lemma, A. N., and E. F. Deprettere. "Time-varying biorthogonal filter banks: a state-space approach." IEEE Transactions on Circuits and Systems I: Fundamental Theory and Applications 45, no. 3 (March 1998): 280–89. http://dx.doi.org/10.1109/81.662701.

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Journal articles on the topic 'Time banks'

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