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1
Diemer, Michael. "Bank Bailouts, Bank Levy, and Bank Risk-Taking". Doctoral thesis, Universitätsbibliothek Leipzig, 2014. http://nbn-resolving.de/urn:nbn:de:bsz:15-qucosa-157041.
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This thesis is concerned with the relation between bank regulation and the risk-taking behaviour of banks. Two major instruments of regulatory intervention are considered: bank levy and bank bailouts. The major objective of this thesis is to provide an answer to the following questions: Do bank levies increase the risk-taking of banks in a competitive environment? When do bank bailouts decrease banks` risk-taking? Does the international coordination of bank bailouts affect the relation between bailouts and the risk-taking behaviour of banks? Who should rescue subsidiaries of multinational banks? How could an efficient bailout policy be designed and implemented?
The bank levy and cooperation between national regulators play an important role in the recently adopted Bank Recovery and Resolution Directive (BRRD). This directive is a cornerstone of bank regulation in Europe. Although the conversion of debt into equity (bail-in) in emergencies is the key component of the current regulation, bailouts, or at least the assistance to struggling banks, should not be excluded. As the ordinary resolution tools, for instance, bail-in, have not yet been tested in a real crisis, and due to the fact that it will take time to prepare global institutions for such a tool, it may be useful to have an adequately designed tool of last resort available, such as an adequate bailout policy, in order to avoid the disruption of critical economic functions.
We show that a bank levy may decrease banks`risk-taking behaviour. Bank bailouts can also decrease the risk-taking of banks. This depends on the regulator`s ability to condition his bailout policy in accordance with the macroeconomic environment, which has an impact on the banks` probability of success, or on his ability to condition the bailout policy on the banks` systemic relevance. Coordination of bailouts through a multinational regulator can improve welfare. The desirability of internationally coordinated bailouts depends on the dimension of the crisis. If the crisis is severe, it may be more efficient to delegate bank bailouts to a multinational regulator. However, such a delegation is not always feasible. Therefore, a predefined burden sharing of bank bailouts is necessary in order to achieve an efficient resolution of banks in distress.
2
Dzurendová, Vieroslava. "Fúze HVB Bank a Živnostenské banky sloučením". Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-3514.
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Diplomová práce pojednává o fúzí HVB Bank a Živnostenské banky sloučením, zabývá se konečnými účetními závěrkami zúčastněných společností, zahajovací rozvahou a zápisem fúze do obchodního rejstříku. Blíže popisuje smlouvu o fúzi a prosesy, které probíhaly uvnitř fúzujících bank s bližším zaměřením se na implementaci iformačního systému, vytvořením nové organizační struktury, procesem obsazovaní pozic a produktovou nabídkou.
3
Tam, Siu-kee. "Bank failures /". Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19873670.
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Voborská, Hana. "Příležitosti marketingové komunikace banky Waldviertler Sparkasse Bank AG". Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-264359.
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Diploma thesis focus on topic about marketing communication chosen bank. Aim of this thesis is analyze current marketing communication of Waldviertler Sparkasse Bank AG and propose recommendation. Structure of this thesis is three parts, theoretical, practical and final recommendations. First part is focused on marketing theory and communication mix of services. First chapter of practical part contained presentation of chosen bank and analyses current marketing activities. Bank was compared with other competing bank subjects with positioning map, semantic differential and my own observation. For purpose of thesis were used two survey, first survey compared chosen bank institutions and second was about bank marketing. At the end was evaluated current communication of Waldviertler Sparkasse Bank AG and recommendation how improve communication for more effectiveness.
5
Jiang, Chunxia. "Analysis of bank efficiency of Chinese commercial banks and the effects of institutional changes on bank efficiency". Thesis, Middlesex University, 2008. http://eprints.mdx.ac.uk/8108/.
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This study contributes to the well-established efficiency literature with respect to transition economies and developing counties. Although bank efficiency has been a popular research area in both developed countries and less developed nations, it has been scarce in China mainly due to the lack of data. This study is considered as the first study that comprehensively investigates bank performance using multiple methodologies of financial ratio analysis and stochastic frontier analysis for the period of 1995-2005. The effects of a variety of governance changes have also been differentiated in order to providing policy recommendations for the on-going banking reform. Meanwhile, this study has addressed a number of methodological issues and has developed a more comprehensive stochastic distance function model by combining advantages of existing models, approaches, methods and procedures. Having experienced fundamental banking reforms for more than a quarter of century, the Chinese banking System has stridden towards a modem banking System with significant improvements in profitability, capitalization, and assets quality. Despite of these observed improvements, the banking system is still associated with relatively low profitability and capitalization, poor asset quality, and less liquidity, when benchmarking to 7 selected international renowned banks. One of the most impressive progresses has been the significant decrease in both outstanding NPLs balance and NPL ratio. However, it has noticed that the threat of NPLs problem to the economy as a whole remains unsolved. This study has rationalized economic foundations for the banking reform in China being the principal-agent theory and the budgetary constraint theory. The performance of Chinese banks has been improved and the estimated effîciency level is consistently at 75% in terms of technical efficiency, cost efficiency and profit efficiency. Employing the method of Berger et al. (2005), this study has jointly analyzed the static, selection and dynamic effects of governance changes. Joint-stock ownership has resulted in outstanding performance, while state ownership has been associated with low technical efficiency and profit efficiency but high cost efficiency. Foreign banks are more profit efficient but less cost and technical efficient (static effects). Foreign investors have rationally made their investment decisions by selecting more cost and technical efficient domestic banks, while less profitable domestic banks have been chosen for going public in line with government intension of reforming the unprofitable SOCBs (selection effects). Attracting foreign strategic investors and encouraging banks going public are two major partial privatization strategies, which have been generally proved as effective reform measures. The former tends to have positive impacts on technical efficiency and cost efficiency, while significant short-term gains in profit efficiency have faded in the long-term. The expected profit advantage of foreign ownership seems to take an even longer time to be realized. Going public strategy has resulted in performance improvement in the long-term after short-term losses (dynamic effects). We can not form a conclusion on whether the reform has succeeded, while what we can conclude is the reform is on the track with right direction. It is important to construct good corporate governance, but it is more important to ensure the good governance functioning. If those deep-rooted problems, such as government intervention and NPL problem, can not be dealt with properly in the near future, the chance of success is very small. Thus, our policy recommendations include consolidating up-to-date reform achievements, improving bank's managerial and operational skills, and reducing state's share in banks to lessen government interventions. Estimated efficiency is found to be sensitive to the differences in the definitions of outputs and inputs, especially in the presence of high level of NPLs. The income-based model is superior to the earning assets-based model in the estimation of technical efficiency. Similarly, profit efficiency appears to be more appropriate performance measures over cost efficiency. However, we suggest the use of multiple models and measures to reveal more valuable information. Moreover, in estimating cost function and alternative profit function, market average input prices are found to be more appropriate than banks' specific input prices.
6
Морозова, Ірина Анатоліївна, Ирина Анатольевна Морозова, Iryna Anatoliivna Morozova i T. Sagun. "Bank". Thesis, Видавництво СумДУ, 2010. http://essuir.sumdu.edu.ua/handle/123456789/17097.
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7
譚肇基 i Siu-kee Tam. "Bank failures". Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31269254.
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Mourouzidou, Damtsa Stella. "Three studies on the effects of national culture on bank risk-taking, deposits and profitability". Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/three-studies-on-the-effects-of-national-culture-on-bank-risktaking-deposits-and-profitability(3f54085b-4bd6-420d-a27d-1e47e2086079).html.
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These three studies on the effect of national culture on banking aim at advancing knowledge and understanding of bank risk-taking, deposits and profitability by adding culture to their determining factors. Banking is a highly regulated industry, and one would expect informal institutions such as national culture not to influence management decisions. However, it seems that bank managers but also bank customers are susceptible to cultural biases making their influence on risk taking, deposit and profitability levels statistically and economically significant. In the first study, I find that national culture is an important bank-risk determinant. Specifically, I find a positive (negative) association between the cultural values of individualism and hierarchy (trust) and domestic bank risk-taking. This relation weakened during the recent financial crisis and does not hold for global banks, regardless of the period under investigation. In the second study, I report a positive association between trust and deposits which holds for domestic as well as global banks, supporting the popular view that banking is based on trust. Motivated by two relatively new regulations (Net Stability Funding Ratio and Liquidity Coverage Ratio), enforced to safeguard stable liquidity, I use interaction effects to find that high deposit volatility mitigates the positive impact of trust on deposit levels. In the third study, I identify national culture as an important determinant of bank profitability. Looking separately into global and domestic banks, the former are less prone to cultural influences compared to the latter. Furthermore, domestic banks with foreign ownership/management are less susceptible to cultural biases compared to domestic banks with local ownership/management. Finally, banks operating in conservative, hierarchical societies are expected to face more challenges with fintech disturbance, compared to banks operating in egalitarian societies. My results are statistically and economically significant and robust to endogeneity tests mitigating reverse causality and confounding effect concerns.
9
Sasraku, Francis M. "Regulatory Structures and Bank –Level Risk Management in Ghanaian Banks". Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15021.
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This research examines the impact of certain bank-specific variables on bank stability in Ghana, in the context of the existing regulatory structures. The thesis examines this issue along two main themes. The first part of this study examines whether two of the commonly used measures of banking stability, the CAMELS and the Z-Score, provide similar or different results in assessing the stability of banks in Ghana. The results of this study show that the use of the CAMELS and the Z-score measures could lead to different outcomes in terms of bank stability in Ghana. This suggests that the traditional micro-prudential CAMELS framework should be complemented with the Z-score which inherently has both micro and macro-prudential characteristics of signaling weaknesses in bank stability, and to enhance the management of bank stability. The second part of the study examines the impact of some bank-specific variables on bank stability. Using the panel data approach, the results show that while bank size, regulatory governance, regulatory independence and origin impact significantly on the stability score, there was no significant impact in terms of interbank borrowing and non-performing loans. Further analysis using the Blinder –Oaxaca decomposition also suggests that foreign banks in Ghana exhibit relatively higher levels of stability compared to local banks. The policy implications of these findings suggest that the liberalisation of the banking sector should be accompanied by an effective micro- and macro-prudential supervisory regime in order to manage the stability of the constituent banks and the banking sector as a whole.
10
Kudinova, Julija. "Likvidumo rizikos valdymas komerciniame banke „AS UNICREDIT BANK“ pavyzdžiu". Master's thesis, Lithuanian Academic Libraries Network (LABT), 2012. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2012~D_20120723_105005-24213.
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Esant sudėtingai ekonominei situacijai verslo rizikos įvertinimas ir valdymas tampa aktualia problema. Nestabilumas reikalauja nuolatinio dėmesio banko likvidumo vertinimui ir valdymui. Sudėtingėjant ekonominėms sąlygoms, likvidumo rizikos valdymas negali būti izoliuotas procesas. Magistro darbe išanalizuoti ir susisteminti Lietuvos ir užsienio autorių darbai likvidumo rizikos valdymo temomis. Apibendrinami esminiai likvidumo rizikos vertinimo ir valdymo metodai bei principai. Atlikta mokslinės literatūros analizė bei kiekybinis rezultatų vertinimas. Teorinėje ir praktinėje dalyse siekiama apibrėžti likvidumo riziką ir jos valdymo strategijas komerciniame banke, įvertinti likvidumo rizikos valdymą konkretaus banko pavyzdžiu. Atlikta „AS UniCredit Bank“ likvidumo rizikos analizė, vertinimas pagal nustatytus normatyvus bei testavimas nepalankiomis sąlygomis pagal tris galimus scenarijus. Mokslinės literatūros analizė bei kiekybinis rezultatų vertinimas iliustruotas lentelėmis ir paveikslais. Pasiūlytos likvidumo vertinimo ir valdymo metodų tobulinimo kryptys. Darbą sudaro 8 dalys. Darbo apimtis – 54 p. teksto be priedų, 3 iliustr., 15 lent., 38 bibliografiniai šaltiniai. Atskirai pridedami darbo priedai.The business risk assessment and management is becoming important problem in a difficult economic situation. Instability requires constant attention to liquidity measurement and management. Due to Complexity of economic conditions, liquidity risk management process can not be isolated. Liquidity risk management topics of Lithuanian and foreign authors are analyzed and structured in Master’s work. The essential liquidity risk measurement and management methods and principles are summarized. An analysis of scientific literature and quantitative evaluation of the results is performed. The theoretical and practical parts define liquidity risk ant risk management strategies in a commercial bank, the liquidity risk management model for a particular bank is assessed. AS UniCredit Bank's liquidity risk analysis, assessment according to established standards and testing in adverse conditions, according to three scenarios was performed. The scientific literature analysis and quantitative evaluation of the results is illustrated by tables and pictures. Trends of The liquidity measurement and management of development are suggested. The work consists of 8 parts. Work size - 54 p. without appendixes, 3 pictures., 15 tables., 38 references. Appendixes included separately.
11
Toscano, Vanessa Miguel. "Determinants of bank capital ratios in European Union banks". Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19516.
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Mestrado em FinançasNeste trabalho, analisamos os determinantes do rácio Common Equity Tier 1 (CET1) dos bancos da União Europeia após a Crise das Dívidas Soberanas. Utilizámos informação da base de dados do Bankscope. Exportámos informação de 137 bancos dos 27 paises da UE no período de 2011 a 2018. Baseámos o nosso estudo numa análise de regressão, sendo que analisámos vários modelos de forma a analisar od determinantes e qual o seu impacto no rácio CET1. Para atestar a robustez dos resultados, replicámos a análise aplicando um processo winsor à variável dependente e à variável que representa o Return on Equity. Verificámos que o tamanho, a exposição ao risco, a alavancagem e a liquidez são fatores que afetam o rácio CET1 e consequentemente a solvabilidade do banco. Adicionalmente, observámos que o programa de compra de ativos por parte do Banco Central Europeu (BCE) aparenta aumentar a capacidade dos bancos para absorver as suas potencias perdas, pelo o que se justifica este tipo de ações por parte do regulador.
We analysed European Union banks' Common Equity Tier 1 (CET1) ratio determinants after Sovereign Debt Crisis. We resorted to information from the Bankscope database. We exported information of 137 banks from the 27 countries belonging to the EU, from 2011 to 2018. We performed a regression analysis, running several models to identify the significant variables and their impact on the CET1 ratio. To attest the results' robustness, we replicate the analysis winsorizing the dependent variable and the variable that represents Return on Equity. We verified that size, risk exposure, leverage and liquidity are factors that affect CET1 ratio and banks solvency. Additionally, we observed that the European Central Banks' (ECB) asset purchase program seems to increase banks' capacity to absorb potential losses, which justifies this kind of measures by the regulator.
info:eu-repo/semantics/publishedVersion
12
Krč, Jakub. "Charakteristika centrální banky na příkladu Evropského systému centrálních bank". Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-4106.
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Práce podává nástin historického vývoje směřujícího k vybudování EMU a charakterizuje postavení moderní centrální banky na příkladu Evropské centrální banky. Zaměřuje se na problematiku nezávislosti centrální banky a otázkám bankovní regulace a dohledu na půdě Společenství. Závěr práce je odpovědí na otázku, zda je ESCB vymezen optimálně. Autor dospívá ke spíše negativnímu stanovisku.
13
Stráníková, Martina. "Analýza marketingových komunikací vybraných nových bank na českém trhu". Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113161.
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The aim of this master thesis is to analyze marketing communication of new banks which entered the Czech market in 2011. The first part of the thesis contains the theoretical background regarding marketing in services, marketing communication and methodology of market research. The practical part deals with the analysis and comparison of marketing communication of Zuno, Air Bank and Equa bank. The practical part contains own quantitative and qualitative market research focused on perception of marketing communication of these banks by the public and their clients. Based on this research and SWOT analysis the possibilities of improvement in the future are presented at the end of the thesis.
14
Ching'andu, Bruno Mubanga. "Client-centric strategy in South African banks: perceptions of bank employees as staff members and as bank customers". Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/59802.
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Client-centric strategy has been viewed by many authors as a winning strategy to gains and satisfy customers as products and services get more commoditised. Aside from commoditisation of services, the global banking sector has the additional problem of loss of trust and high dissatisfaction post the global financial crisis. Silo structures have also been found to hamper client-centricity in banks. In the South African banking sector, all banks have stated that client-centricity would form a key part of their strategies to win over and service customers. However, the prevalence of client-centricity in their strategies remains unexplored.
This research set out to measure the extent of client-centric practices used in South African banks from and triangulate these with customer perceptions. The study looked at four pillars of client-centricity from the available literature. These pillars were targeting, value proposition development, metrics and collaboration. The research also investigated the presence of some benefits of client-centricity, namely, trust, customer satisfaction, positive word of mouth, cross selling and customer loyalty were investigated in this research.
The study was conducted on one of the major South African banks. It was a mixed methods approach with a sample 57 senior bank officials to provide insights on the strategy and 394 other staff members who were surveyed as bank customers. The results show that while the bank states client-centricity as a key imperative, targeting and definition of their market is mostly segment driven and not client driven. As such, customers are not used in the product development process and metrics used in the bank are primarily product based with relationship and engagement metrics used to a lesser extent. Cross departmental collaboration is lacking despite a belief among senior bank staff that other departments are willing and able to improve value propositions to clients. While the client-centric practices were not used in the bank, customers in the survey indicated that they trust their bank, are satisfied, say positive things about their bank, are likely to use the bank for future needs and are loyal to their bank. The results did show that while the benefits were realised, over a third do not believe the bank they work for is not client-centric.Mini Dissertation (MBA)--University of Pretoria, 2017.
ms2017
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted
15
Li, Li. "Bank regulation, corporate governance and bank performance around the world". Click to view the E-thesis via HKUTO, 2009. http://sunzi.lib.hku.hk/hkuto/record/B43224088.
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16
Mikšová, Lucie. "Potíže bank v České republice v letech 1993-2003". Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10819.
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At the end of the 20th century and at the beginning of the 21st century, most banks in the Czech Republic got into trouble. Some banks overcome this problems, but others have to cease their activities and lost their banking license. Difficulties of banks varied from case to case, but there were some common attributes. The first objective of this work is to find these common attributes. The second objective of this work is to identify "culprits" who were most involved in the difficulties of banks in the Czech Republic in the years 1993-2003. Method of incomplete induction will be used in this work. First of all, from all banks, which had difficulties in the years 1993-2003, I selected a sample of ten banks. Then for each bank I will detect the main causes of its problems. Subsequently, through a comparative method, I will determine the most frequent causes of the problems of banks in the years 1993-2003. To each cause I will assign a group of persons or institutions that contributed to its emergence. Finally, according to frequency of institutions and groups, I will identify the main "culprits", who were most involved in the difficulties of banks in the years 1993-2003. This work will be based primarily on the sources available in the library of University of Economics, the Library of the Czech National Bank and specialized literature, which deals with this issue.
17
Giwe, Mbunwe Belter. "Factors affecting the usage of banking products and services by low income and under-banked consumers". Thesis, Nelson Mandela Metropolitan University, 2015.
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A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.
18
Leung, Wai-kwan Lucia. "Hong Kong's banking crisis in 1991". [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13278800.
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Čápová, Jana. "Komparace postavení jednotlivých institucionálních typů v současném českém bankovnictví". Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-5319.
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The major goal of this work is to compare positions of different institutional types active in the banking sector in the Czech Republic. The emphasis is being given to the description of gradual mutual convergence and interactions of particular institutional types in the context of changes undergoing in a transition economy since 1990. The second part of this work analyses the framework for the operation of different institutional types and compares their positions against clients, owners and supervisor. The last part of the work is a comparative analysis of economic indicators for each institutional type in the context of changes in the market and legal environment since 2004.
20
Malkus, Amy J. "Test Bank". Digital Commons @ East Tennessee State University, 2012. https://dc.etsu.edu/etsu-works/4587.
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Book Summary: The Developing Child, 13e gives students the tools they need to organize, retain, and apply information from the broad field of child psychology, while offering balanced coverage of theory and application.
Through The Developing Child, 13e Helen Bee and Denise Boyd generate excitement about scientific inquiry by connecting research with applications. All integrated features within the text are designed to engage students and provide them with the support they need to understand, learn, and apply the material. Interactive resources like MyDevelopmentLab with MyVirtualChild offer students additional support and the ultimate hands-on learning experience.
21
Sharp, L. Kathryn. "Test Bank". Digital Commons @ East Tennessee State University, 2014. https://dc.etsu.edu/etsu-works/4483.
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Book Summary: The new edition integrates thirteen critical themes that are foundational to the field today: the importance of children’s literacy development, teaching in increasingly diverse classrooms, applying developmentally appropriate practice, closing the achievement gaps between children in poverty and those that are more economically advantaged, integrating special education and early childhood education, teaching in an inclusive classroom, closing school readiness gaps, meeting the challenges of teacher accountability, integrating STEM subjects into the curriculum, providing for children’s mental health, using technology to support learners, developing as a professional, and guiding children’s behavior to promote personal responsibility. The new edition retains the engaging style that has made the book so popular and provides practical examples of authentic teaching practices used by master teachers around the country. Its strong coverage of development in the age-specific chapters and its emphasis on diversity make it the leading book in the field. The Enhanced Pearson eText features embedded video, video analysis exercises, and assessments.
22
Tolley, Rebecca. "Seed Bank". Digital Commons @ East Tennessee State University, 2012. https://dc.etsu.edu/etsu-works/5660.
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Book Summary:Issues: Understanding Controversy and Society brings important issues in today's world to students' attention, highlighting the complete historical background, contemporary status, and global view of each. It provides students authoritative context, diverse expert perspectives, and carefully selected primary and secondary sources for truly understanding the issues that currently affect much of our global society, and for developing informed positions on those engendering controversy.
23
Li, Yajing. "Bringing it all back home? : a Chinese bank going global". Thesis, Queen Mary, University of London, 2011. http://qmro.qmul.ac.uk/xmlui/handle/123456789/661.
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This thesis examines the role of trust in the global expansion and activities of Chinabank over the past eight, and especially the past two, decades and the associated transformative effects of this emergent geography. Three specific moments of change involving questions of trust are investigated: i) attempts to project the Bank as a legitimate presence in the City of London; ii) the reconciliation of expatriate and local practices of work in the Bank in London; and iii) the transformation of relations of governance within the Bank and between the Bank and its headquarters and the Chinese State in Beijing. The underlying argument of the thesis is that global economic geographies are enabled, in part at least, through social geographies - here social geographies of trust - which are a prerequisite in bridging the differences involved in the processes and relations of globalisation. But, of course, concepts and practices of trust are themselves geographically variable and so globalisation in turn involves negotiations over, and transformations of, trust. Thus the thesis argues that trust is relationally constructed as different conceptualisations and practices of trust interact with, and shape, each other. In this sense, globalisation is a process of hybridisation rather than of flattening. The main contributions of the thesis are i) to explore globalisation from ‘periphery’ to ‘core’; ii) to consider some of the implications of bringing together two very different sets of political economic relations (communist state and market-based capitalist financial relations); and iii) by exploring the nature and significance of trust as a socio-spatial relation, to contribute to the literature on the social conditions of existence (the social geographies) of economic globalisation. In addition, the thesis draws attention to the impact of different orientations/attitudes towards personal trust and regulatory trust in forming financial relations and their complementary role in 3 the making of financial space. Thus the research explores the implications of the working practices of the Bank in London not only for relations between it and its headquarters and the Chinese state in Beijing but for working practices in London in coming to terms with the rapid growth and globalisation of finance in China. Qualitative methods predominate but findings are triangulated across a range of data. Methods employed include semi-structured interviews (within the Bank in London; in its head office and the offices of its supervisory authorities and other state bodies, in Beijing; and with UK clients of the Bank and other leading financial institutions in London); participant observation and textual analyses; and the analysis of published data from a variety of sources.
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Campmas, Alexandra. "Institutional environment and bank behaviour : the case of European banks". Thesis, Bordeaux, 2020. http://www.theses.fr/2020BORD0193.
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Nous étudions deux politiques jouant un rôle clé dans l'évolution et la métamorphose du cadre institutionnel et qui sont donc à même d'influencer le comportement des banques, à savoir la politique monétaire et la politique macroprudentielle.Dans le premier chapitre, nous mettons en évidence l'existence du canal de la prise de risque bancaire de la politique monétaire (non)conventionnelle en Europe. Nous démontrons que ce dernier est non linéaire, c'est-à-dire que les effets des taux d'intérêt de la politique monétaire (du total des actifs au bilan des banques centrales) sur le risque bancaire sont plus forts en-dessous (au-dessus) d'un certain seuil.Le deuxième chapitre explore le lien entre l'environnement des taux d'intérêt bas et la rentabilité des banques. Nos résultats suggèrent que le principal outil de la politique monétaire a un effet négatif sur les marges d'intérêt nettes, mais que son effet sur la rentabilité globale n'est pas clair. Néanmoins, lorsque les taux d'intérêt directeurs sont particulièrement bas, il semble que les banques européennes parviennent à accroître leur rentabilité malgré une compression de leurs revenus d'intérêts nets.Le troisième chapitre examine le rôle des outils macroprudentiels dans un environnement institutionnel turbulent. L'apparition de la COVID-19 est de nature à aggraver la capacité des ménages et des entreprises à rembourser leurs dettes. Le chapitre fait le lien entre l'utilisation flexible des instruments macroprudentiels et leurs effets encore inconnus en cas de choc sur les primes de risque des prêts hypothécaires et des prêts aux entreprises. Nos modèles empiriques et théorique corroborent le fait qu'un scénario d'assouplissement des outils macroprudentiels permet d'atténuer les effets négatifs découlant d'un tel choc. En particulier, le modèle DSGE montre une préférence pour l'assouplissement du ratio prêt-sur-valeur au détriment du ratio d'adéquation des fonds propresWe study two policies that are key to shaping the institutional environment and that can therefore influence banks' behaviour, namely monetary and macroprudential policies.In the first Chapter, we evidence the existence of the bank risk-taking channel of (un)conventional monetary policy in Europe. We show that the latter is nonlinear, i.e., the effects of monetary policy interest rates (the total assets on the balance sheet of central banks) on banking risk are stronger below (above) a certain threshold.The second Chapter mainly explores the nexus between the low interest rate environment and bank profitability. Our findings suggest that monetary policy’s main instrument adversely affects net interest margins, but its effect on overall profitability is unclear. Nevertheless, when policy interest rates are particularly low, it seems that European banks succeed in increasing their profitability despite a compression of their net interest income.In the third Chapter, we examine the role of macroprudential tools in a turbulent institutional environment. The outbreak of the COVID-19 is likely to worsen households' and businesses' capacity to pay off their debt. The Chapter bridges the gap between the flexible use of macroprudential tools and their yet unknown effects in the event of a shock to risk premia of mortgages and corporate loans. Both our empirical and theoretical models corroborate that an ease scenario of macroprudential policy allows mitigating the adverse effects stemming from such a shock. In particular, the DSGE model shows preference for relaxing the Loan-to-Value ratio over the Capital Requirement Ratio
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Diemer, Michael [Verfasser], Uwe [Gutachter] Vollmer i Harald [Gutachter] Wiese. "Bank Bailouts, Bank Levy, and Bank Risk-Taking / Michael Diemer ; Gutachter: Uwe Vollmer, Harald Wiese". Leipzig : Universitätsbibliothek Leipzig, 2014. http://d-nb.info/1239422067/34.
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Hýblová, Monika. "Vztah nezávislosti a odpovědnosti centrálních bank na příkladu FEDu a ČNB". Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-199086.
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This paper compares economical and political independence to a success rate of monetary policy of national banks, on a case of Fed and the Czech National Bank. Based on my definition of independence and accountability based on literature, I show that price stability defined as a main goal is the key factor. If the goal consists of more indicators, there is space for political pressure and the success rate decreases. Some rate of independence is necessary in order to achieve a healthy economy, however, total independence cannot be the target. Accountability then works towards independence as a system of achieving legitimacy, not as a substitute. Public inflation aversion is also considered as an important factor for achieving price stability.
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Kadlčková, Šárka. "Externí audit v bankovním sektoru a jeho vztahy s orgány dohledu". Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-192598.
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This master thesis deals with the area of external audit of banks and its relations with regulatory and supervisory authorities. Its goal is to identify and describe the specifics, which differs bank's financial statements audit from audit of other non-banking institutions, and discuss cooperation between external auditors and supervisory authorities. The first section defines the general framework of the external audit with an emphasis on legal aspects. In the second part are described the phases of the common audit procedures. The third section defines the characteristics of banking institutions and describes the specifics of audit methodology and procedures applied during the audit of the bank. The final part discusses the role, responsibility and cooperation of banks, external auditors and regulatory and supervisory authorities.
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Lee, Shu-ho. "A study of supervisor job satisfaction of a mainland Chinese bank in Hong Kong /". Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B17983587.
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Wan, Qun. "A legal perspective on the disposition of non-performing loans and bank restructuring : a study of China's state-owned commercial banks /". View the Table of Contents & Abstract, 2006. http://sunzi.lib.hku.hk/hkuto/record/B35082690.
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Li, Li, i 李莉. "Bank regulation, corporate governance and bank performance around the world". Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2009. http://hub.hku.hk/bib/B43224088.
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Pospíšilová, Kateřina. "Hodnotící komparace ústavněprávních pojetí vybraných centrálních bank světa z aspektu perspektiv ČNB". Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-206650.
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The master´s thesis is about the conceptions of the Czech National Bank, the Federal Reserve System, the European Central Bank and People's Bank of China. It focuses on the comparison of these conceptions with the created universal model of the central bank and its parameters, and finds out that the selected central banks are lot away from this model. Important is also a perspective of the Czech National Bank after joining the euro area and the fact that at this moment her role will be replaced by the European Central Bank. The European Central Bank, compared with the Federal Reserve and the People's Bank deviates the least from its inflation target and therefore is pretty close to reach a price stability. However, ECB clearly financed some government debts, and that is inconsistent with the law. In conclusion can be noted that the central banks of the Czech Republic, the United States and the euro area reach the high level of freedom and are independent of the other components of state power and vice versa People's Bank of China remains strongly dependent on the executive power.
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Kohlbeck, Mark Joseph. "Evidence of franchise value in the banking industry /". Digital version accessible at:, 1999. http://wwwlib.umi.com/cr/utexas/main.
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Kojima, Koji. "Determinants of managers' choices in the Japanese banking industry /". Thesis, Connect to this title online; UW restricted, 2004. http://hdl.handle.net/1773/8799.
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Lindh, Jenni, i Frida Persson. "Vad är den främst avgörande faktorn vid privatkundens val av marginalbank? : en studie om hur demografiska skillnader påverkar privatkunders val av marginalbank samt se hur deras val kan användas vid segmentering". Thesis, Högskolan Kristianstad, Sektionen för hälsa och samhälle, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-9805.
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Syfte: Syftet med detta examensarbete är att förklara vad som är den främst avgörande faktorn vid privatkundens val av marginalbank, genom att jämföra med demografiska variabler samt hur deras val kan användas vid segmentering. Dessutom vill vi titta på vilka typer av banker privatkunder har. Metod: För att nå fram till resultat för analysen har ett positivistiskt angreppssätt och en deduktiv ansats använts. Det empiriska materialet är baserat på en enkätundersökning gjord på personer i Hässleholm och Ängelholm. Datainsamlingen har sedan analyserats med hjälp av korstabeller. Teoretiskt perspektiv: Studien utgår ifrån tidigare forskning inom området som har använts för att kunna upptäcka faktorer som kan förklara vårt syfte. Resultat: Analysen visade att vid val av marginalbanker värdesätts faktorer så som bra pris på varor i butik samt bonuscheckar. Vad som också framkom är att vid segmentering av kunder bör bankerna, enligt reslutat från denna uppsats, använda sig av differentierad marknadsföring vid segmentering av kunder.Purpose: The aim of this study is to explain what the cardinal factor is when clients choose their marginbank by comparing demographic variables and how their choice can be used in segmentation. Method: To reach results for the analysis a positivistic approach and a deductive projection have been used. The research is based on a survey studying people in Hässleholm and Ängelholm. The collected data has been analyzed using crosstabs. Theoretical perspective: This study is based on previous research within the area that have been used to identify factors that can explain the aim of this research. Conclusion: The analysis resulted in a conclusion showing that when private clients choose their margin bank great offers and bonuschecks matters. It also showed that banks, based on this paper, should use differentiated marketing when segmenting their customers.
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Anwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia". Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
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Indonesia is one of the emerging economies, which has been adopting a bank-based system in the economy. It is very important to investigate the Indonesian commercial banks’ performance given their substantial contribution to the development of the country. This thesis aims to measure and analyse the performance of Indonesian banks in terms of their efficiency and lending propensity over the period 2002-2010. The period testifies the recovery phase after the turmoil caused by the Asian Financial Crisis of 1997-98 as well as the revocation of the regulation of minimum threshold on commercial banks’ small business loans (finance) in 2001. This thesis employs frontier methods in estimating bank efficiency where both parametric and non-parametric linear programming approaches are used, namely Data Envelopment Analysis (DEA) and Stochastic Frontier Analysis (SFA). The former is used to estimate the technical efficiencies and the latter is used to estimate the cost efficiencies of Indonesian banks over the period 2002-2010. This thesis also examines the lending propensity of Indonesian banks reflected by the tendency of their total loans and small business loans over the study period. The findings suggest that the technical efficiency of Indonesian banks tends to decrease whilst the opposite tendency is associated with their cost efficiency during the period. The downward trend of their technical efficiency stems from the fact that the period was the post-crisis of 1997-98 where banks were still unsteady to maintain high level of outputs over inputs. While the upward trend of their cost efficiency reflects their intensity to operate more economically in employing their resources during the period. The latter result testifies that Indonesian bank management took lessons learnt from the failure of their previous operations during the crisis. In addition, their total lending propensity is prone to increase over time during the period albeit they have not reached yet the optimum proportions. In contrast, their lending propensity to small businesses witnessed a diminishing pattern over the period. A regulatory change in 2001 seems to discourage Indonesian banks to lend to small businesses. Loans to deposits or lending proportions emerges to be the most important factor enhancing bank efficiency, whilst bank size and bank deposits are the foremost factors influencing the lending propensity of Indonesian banks over the study period.
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Stevenson, Anthony R. "Bank lending behaviour : a comparative study of British and German banks". Thesis, Loughborough University, 2014. https://dspace.lboro.ac.uk/2134/14587.
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Even though it is generally recognised that new firms encounter difficulty in obtaining loans from banks, little research is devoted to the factors which influence bank lending between 2004 and 2007. More precisely, this study attempts to fill a gap in the research of bank lending practices and behaviour of bank loan officers. This research study contributes to the body of literature in the field of lending between banks and SMEs. More specifically, the study compares the lending practices between British and German retail banks. A qualitative approach was employed as a research design because the study related to lending practice and risk within the context of a social setting. It is worth mentioning that whilst the empirical findings in this study predated the credit crunch, the areas discussed was about how banks managed risk and the ambiguous nature of external pressures affecting their lending practices both in the UK and Germany. There is no doubt that after the biggest banking crisis in history, academic researchers and regulatory institutions will inevitably ask questions about how banks behaved during this period. The upshot of recent academic research is compelling and suggests that the regulatory institutions and politicians knew little about the activities of banks particularly in the UK. The findings in this research also reveal that whilst German banks steer towards the Anglo Saxon banking model (shareholder approach); they struggle to shake off their embedded culture and values, oriented towards the goodness of communities (stakeholder approach). The findings also show that British retail banks continue to lend by distance and SMEs continue to believe that banks in Britain orientate their strategies towards large multinational firms.
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Gerdovci, Valon. "Deutsche bank - European banks". Master's thesis, 2019. http://hdl.handle.net/10362/73503.
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Ho, Song-Yuh, i 何嵩昱. "The Effect of Diversification, Bank Governance and Bank Characteristics on Bank Value－A Case of Taiwanese Banks". Thesis, 2009. http://ndltd.ncl.edu.tw/handle/tdr9ef.
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碩士銘傳大學
財務金融學系碩士班
97
Due to the open attitude from government, financial liberalization, and gradual reduction in interest rate between the deposit and loan, many financial organizations seek new revenue. In this study, data were gathered from 24 Taiwan listed banks during the period from 2003 to 2007, and using panel data analysis to measure the effect of diversification, bank governance and bank characteristics on bank value. In addition, we also examine the different pattern between financial holding banks and non-financial holding banks on bank value. The result shows that financial holding banks have a greater degree of asset diversification; non-financial holding banks have a greater degree of income diversification. Overall, the more diversification, the higher value is in financial holding banks; the more diversification, the lower value is in non-financial holding banks. There are both diversification premium and diversification discount in banking industry. The bank value increases as higher board ownership, higher net interest margin and lower non-performing loan ratio. Furthermore, in financial holding banks, the bank value increases as higher net interest margin, higher capital adequacy ratio, lower non-performing loan ratio. In non-financial holding banks, the board ownership, government ownership, and net interest margin have significantly positive relationship with bank value, but the blockholder ownership, capital adequacy ratio, and non- performing loan ratio have significantly negative relationship with bank value.
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Drobná, Tereza. "Komparace právního zakotvení a činnosti české a slovenské centrální banky". Master's thesis, 2019. http://www.nusl.cz/ntk/nusl-409156.
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- Comparison of legal status and activities of the Czech and Slovak central banks This thesis describes and compares legal status and activities of two european banks, the National bank of Slovak republic (hereinafter "NBS"), which has became the member of euro area since 1. 1. 2009, and the Czech national bank (hereinafter "CNB"), which has not became the member of this monetary union. The aim of this thesis is to identify identical aspects and different elements in legal status of above mentioned banks and in activites they carry out. Hypothesis of this thesis says that CNB and NBS are very similar in the way of legal regulations but different in activities they carry out. Purpose is to verify this hypothesis and think about possible causes of these similarities and differences in legal status and activities of CNB and NBS. The first part of this thesis deals with the State bank of czechoslovakia which was form in 1950 and which operated in the area of ČSFR just before the establishment of two separate central banks, CNB and NBS. This part is focused on legal regulation which established the State bank of czechoslovakia and which has became an inspiration for these new rising central banks, CNB and NBS. The second part of this thesis targets on the constitutional and legal regulations of CNB and...
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Nogueira, Nora Pelamo de Ibérico. "Multilateral development banks: comparisons between the European Investment Bank and the New Development Bank". Master's thesis, 2021. http://hdl.handle.net/10284/9948.
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No contexto atual, os bancos de desenvolvimento multilaterais (BDM) estão entre os principais contribuintes globais para o desenvolvimento, por utilizarem mecanismos multilaterais com vista à prevenção de crises globais e para a reconstrução de infraestruturas mais sustentáveis. Devido a alterações no poder geopolítico e às próprias alterações dos seus mandatos, os BDM podem encontrar-se numa posição sensível, em relação à implementação dos seus próprios projetos.
Esta dissertação de mestrado propõe-se então analisar a situação atual dos BDM, ao comparar o Banco Europeu de Investimento (BEI) e o Novo Banco de Desenvolvimento (NBD), e esclarecer se as atividades e responsabilidades das duas instituições alcançam soluções semelhantes.In today's world, multilateral development banks (MDBs) are among the largest global contributors for development, by using multilateral mechanisms to prevent global crises or rebuild more sustainable infrastructures. Due to geopolitical power shifts and stretching mandates, the MDBs can be found challenged by their own mechanisms going forward. This master dissertation aims to analyse the current stance of the MDBs by comparing the European Investment Bank (EIB) and the New Development Bank (NDB), thus trying to establish whether or not their functions achieve similar results.
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WU, MING-LING, i 吳明玲. "Study of Banks M&A Under the Financial Holding Company Law in Taiwan─Case Study about Fubon Bank、Taipei Bank and Cathay Bank、UWCC Bank". Thesis, 2003. http://ndltd.ncl.edu.tw/handle/b2dz27.
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碩士國立臺北大學
企業管理學系碩士在職專班
91
As the Financial Holding Company Law was dispensed on November 1，2001, financial institutes integrated business of banking，securities and insurance aggressively. So far there are 14 financial holding companies. They expect to optimize financial and operating synergetic efficiency，keeping cost down and increase revenue to maximize interest of shareholders and employees. It is a trend and also one of the strategies adopted by banks that were integrated or merged by holding companies to increase competitive abilities. The research(essay) is to study、derive and testify factors which influence the choice of M&A objectives under the Financial Holding Company Law. The research uses the tool of cases study. Cases are Fubon Bank and Taipei Bank of Fubon Financial Holding Company and Cathay Bank and United World Chinese Commercial Bank of Cathay Financial Holdings. The research comes to the conclusion of strategic selections of banks M&A after collecting information、discussing bibliographies、interviewing high-level directors、analyzing documentation and deriving possible strategies of selecting M&A targets. We found that financial institutions’ motivations are different in terms of being active or passive. The most important influencing factors of choosing M&A targets are channel、size and quantity of customers、asset quality、management group and business operating capability、M&A price and interest of employees. Banks integration can generate advantages such as synergetic efficiency、cost down and revenue increase. However, managers should recognize and manage negative effects occurring in the processes of M&A activities from the beginning. The research provides strategic meanings for the banking industries： 1． The framework of factors influencing M&A objectives proposed by the research can be considered as a tool for M&A strategies of financial holding companies or banks M&A. 2． Due to different operating strategies and structure of banks, financial holding companies are not the necessary style to win the market. Considering the effects of 3C, managers should pay their attentions to operating strategies. 3． The channel and scale of customers are critical factors to make synergetic operating efficiencies and highly dominate decision making in choosing M&A objectives. 4． Financial holding companies should emphasize non-performing loan of merged banks. The high quality M&A strategies are preferred choices. 5． Financial institutes should value the core competitive ability of business. In the era of emphasizing efficiency，quality，innovation and quick customer response， financial institutions have to invest information technology to increase competitive abilities. M&A can raise capital and expand the scale of business. With the aid of investing information technology，financial institutions can achieve higher return on investment. 6． M&A are external development strategies for running on-going business in the condition of making a profit. The banking industry holds optimistic attitudes so that financial institutions are willing to merge with the deal of premium prices. The capabilities of creating new markets，inventing new products efficiently and a management group’s performance are also one of the important factors of deciding M&A targets. 7． We shouldn’t neglect conflicts due to different organizational cultures、M&A risk management and integration of IT architecture which need human and material resource involvement from the beginning to the end.
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Lin, Chih-Yung, i 林智勇. "Government Banks, Political Interference and Bank Privatization". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/44738751314964974046.
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博士臺灣大學
財務金融學研究所
98
This dissertation consists of three essays on Government Banks, Political Interference and Bank Privatization. The first essay is “De-Privatization: Do Government Banks Perform Better? A Political Interference View.” The second essay is “Bank Privatization, Country Governance, Investor Protection and Bank Regulation.” The third essay is “When Does the Privatization of Banks Improve Performance? Transient or Persistent Effect.” Last, we present the conclusions in last section. Essay 1: De-Privatization: Do Government Banks Perform Better? A Political Interference View Many studies report that government-owned banks underperform compared with private-owned banks. However, no empirical studies have examined the reasons for this evidence. This study addresses this gap using banks from 37 countries from the period 1993 to 2007. For simplicity’s sake, the underperformance of government-owned banks (GOB) is referred to as the “GOB effect.” Two matching methods, the Nearest-Neighbor Matching and Mahalanobis Metric Matching, are adopted to seek matched banks (e.g. sharing similar characteristic variables) located in the same country. We define political interference as the process by which government-owned banks are mandated to merge with a distressed bank. We will then show that government-owned banks, after merging with a distressed bank, suffer adverse performance. This evidence indicates that political interference may be the cause of underperformance. Furthermore, we observed that government-owned banks that did not experience any political interference generally perform as well as private-owned banks. Therefore, we reiterate that political interference negatively affects government banks’ performance, and the GOB effect in stereotypical image is a consequence of political influences. Essay 2: Bank Privatization, Country Governance, Investor Protection and Bank Regulation Many studies report that the privatization of government-owned banks (GOBs) can enhance their performance. For simplicity’s sake, the improvement of bank privatization referred to as the “privatization effect”. However, no empirical studies have examined why privatization effect exists in some countries, but not in others. This study addresses this gap using bank privatization from 43 countries during 1992~2007. Two matching methods, the Nearest-Neighbor Matching and Mahalanobis Metric Matching, are adopted to seek matched banks (e.g. sharing similar characteristic variables) located in the same country. We propose four hypotheses and find that the privatization effect are enhancing when countries with worse country governance, weak investor protection and fewer bank activity regulation. Essay 3: When Does the Privatization of Banks Improve Performance? Transient or Persistent Effect This study compares the performances of privatized banks from 43 countries during 1992-2007 by using four matching theories, Nearest-Neighbor Matching, 1-to-2 Nearest Neighbor Matching, Mahalanobis Metric Matching, and 1-to-2 Mahalanobis Metric Matching. The evidence demonstrates the following: first, the privatized banks outperform non-privatized banks in terms of return on equity (ROE), net interest margin (NIM) and non-performance loan (NPL) but are tied in terms of return on asset (ROA); second, in most cases, full privatization is more effective than partial privatization in improving bank performance ; third, the results demonstrate that privatization through asset sales yield a better performance; and finally, the results demonstrate that improved performance, measured in terms of profitability, is exhibited more in the long-term while with respect to improved performance in terms of asset quality, the improvements are more prevalent in the short-term.
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Huang, Shu-Chih, i 黃書智. "Bank Capital and Bank Lending". Thesis, 2004. http://ndltd.ncl.edu.tw/handle/39637830659497762777.
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碩士淡江大學
經濟學系碩士班
94
This study investigates the relationships between bank capital and bank lending, and how these relationships vary with the degree of information asymmetry. Applying to a panel of 3,544 banks in 49 countries of the period 1996~2003. Our results shows that： 1. The response of bank lending tends to be stronger for banks with less capital ratios when facing adverse capital shocks. 2. Using the bank capital ratio as a measure of the country’s degree of information asymmetry, the effect of capital loss on bank lending tends to be greater for banks with less capital ratio. 3. Similarly, when using bank assets size ratio as a measure of the country’s degree of information asymmetry, the effect of capital loss on bank lending tends to be greater for small banks.
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KUMARI, RASHMI. "AMALGAMATION OF DENA BANK, VIJAYA BANK AND BANK OF BARODA". Thesis, 2019. http://dspace.dtu.ac.in:8080/jspui/handle/repository/16463.
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UNION IN THE BANKING DIVISION IS SIGNIFICANT AS FAR AS MERGERS AND ACQUISITIONS FOR THE DEVELOPING INDIAN BANKING INDUSTRY. THIS CAN BE ACCOMPLISHED THROUGH COST REDUCTION AND INCREASING REVENUE. THIS SIGNIFICANT PART HERE IS THAT FOR WHAT REASON DO WE NEED UNION IN INDIAN BANKING AND WHAT IS CHALLENGES AHEAD. THE JOB OF THE CENTRAL GOVT IS ADDITIONALLY IMPORTANT TO THE INVESTIGATED IN T HE WHOLE PROCEDURE AS THEY ASSUME AN ESSENTIAL JOB IN THE APPROACH ARRANGEMENT REQUIRED FOR THE DEVELOPMENT OF THE INDIAN BANKING. AN EXAMINATION OF THE INDIAN FINANCIAL INDUSTRY DEMONSTRATES THAT BECAUSE OF ELEMENT LIKE SOLIDNESS , COME BACK TO INVESTOR, HOLDING FAST TO ADMINISTRATIVE AND SO ON MAKE M&A AS AN OBJECTIVE. ADDITIONALLY M&A OFFERS A CHANCE TO THESE INDIAN BANKS OF MAKING AND ALL INCLUSIVE BANK ADDITIONAL MERGERS CAN BE UTILIZED AS KEY INSTRUMENT AND FURTHERMORE THERE IS PROBABILITY OF KEY SPECULATION WHERE CUSTOMARY M&A ARE UNREALISTIC. IN THE CHANGING MONETARY AND BUSINESS CONDITION PORTRAYED BY SPEED,ADAPTABILITY AND RESPONSIVENESS TO CLIENTS, "MEASURE" HAS A TON TO ADD REMAINING AHEAD IN THE CHALLENGE. IT IS IN THIS SETTING MERGERS AND ACQUISITION(M&A'S) AS AN INSTRUMENT TO INCREASE AGGRESSIVE QUALITY COMES INTO THE FRONT LINE WITH COLLABORATING FOR INTENSITY BEING A PERCEIVED VITAL CONNECTION FOR THE EQUIVALENT .
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Chen, Yann Huei, i 陳彥翬. "A Study on Mergers and Acquisitions of Taiwanese Banks by Private Equity Funds : The Cases of Cosmos Bank, EnTie Bank & TaChong Bank". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/32252875488331162295.
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碩士長庚大學
管理學院碩士學位學程在職專班經營管理組
98
Private equity funds often leverage on high portion of debt financing when they acquire companies. With only 25-30% of deal amount being financed by their own equity, these funds pledge the acquired assets to finance the rest of the deal amount. This study investigates the post-acquisition management and potential opportunities and risks from the leveraged buyouts of Taiwanese financial institutions by private equity funds, in particular the cases of Cosmos Bank, EnTie Bank, and TaChong Bank. This study analyzes the post-acquisition development and strategies adopted, and then evaluates the opportunities and future development of these three banks. This study adopts a qualitative research method, relying on different sources to collect related information of the three focused banks. It also discovers implications of different events by interpreting the interconnection of different information, and looks for new findings during the research process. The conclusions from this study are as below: 1.The lucrative financial return for private equity funds during the past decade has led them overlook the timing for acquisitions. Serious erosion to bank earnings by financial crisis is likely to impact deal performance and exiting time frame of private equity funds. 2.It is debatable whether the costs/benefits of hiring from competitors are up to original expectations of private equity funds. 3.Private equity funds need to lay off underperforming staff in a smooth manner and communicate to valuable employees to maintain the morale of remaining employees. 4. Besides financial manipulations, Private equity funds need to focus more on bank's business development in order to precisely elevate the bank's value.
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Wang, Xiang-Yu, i 王翔宇. "Monetary Policy, Bank Characteristics and Bank Risk-taking—Based on Panel Data Analysis of Chinese Banks". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/5s68su.
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47
CHIANG, YUEN-FENG, i 江月鳳. "A Study of How Banks React to Bank 3.0---Using Taiwan Cooperative Bank as an Example". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/3c3tv5.
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碩士國立中正大學
企業管理系研究所
104
With the improvement of technology, the Internet and mobile network have gained popularity. Such mobile devices as smart phones and iPads have been developed, making people access the Internet more and more easily and frequently. To cope with this development, various businesses have gone through innovations, resulting in the prosperity of e-commerce and the change of people’s lifestyles. Many business are following the trend and becoming digitized. Apps for mobile and online banking are on the rise, creating new ways of doing business. Facing challenges, banking industry could not hold on to old ways of doing business any more. Instead, they must embrace transformation, providing e-commerce and virtual trading platform. Therefore, when Financial Supervisory Commission decided to launch Bank 3.0 in 2015, banks in Taiwan took the initiative to provide such new services as third-party payment, mobile banking and payment. They cooperated with other businesses and made haste to take advantage of this challenge. Taiwan Cooperative Bank has a long history of establishment, going through many economic changes and undergoing many management transitions in accordance with government regulations. It changed from a state-owned bank to a semi-public-owned bank. It merged with many credit cooperatives and agricultural banks and becomes one of the most prominent banks with the most branches among all banks in Taiwan. However, the bank faces many disadvantages which have been accumulated over time and could not be removed easily and quickly. These shortcomings have become stumbling blocks to the bank’s digital transformation. But as technology improves at such a fast pace, the bank simply finds it difficult to tackle these problems all at once. Therefore, how the bank can transform itself and catch up with the international banking standards deserves further study. This thesis uses Taiwan Cooperative Bank as a case study and tries to analyze various problems that the bank is facing, concerning human resources management, business development and revenue increase, and suggests some solutions.
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WANG, TING-CHEN, i 王亭蓁. "The Effects of Revenue Diversification and Bank Regulation on Bank Performance: Evidence from Asian Commercial Banks". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/39948437141636469142.
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碩士國立臺北大學
經濟學系
102
The purpose of this study is to examine the effects of revenue diversification and bank regulation on bank performance using 476 commercial banks cross 10 Asian countries during 2004 to 2012 by the Panel Data Analysis. The major findings are as follow. First, diversification between interest and non-interest income do positively affect bank performance, however, diversification among non-interest incomes has little effect on bank return. Banks involving in non-traditional activities, especially those fees, commissions, and trading incomes, can create higher returns. Second, by considering activities restriction, capital regulation, and supervision capability as the proxies of bank regulation variables, empirical results show that activities restriction has little effect on bank performance, while capital regulation helping bank to accumulate higher capital will have a positive impact on bank performance. Stricter financial supervision, however, will reduce bank returns and part of the negative impacts may come from inefficient government governance. Lastly, impacts of bank regulation on bank performance are found to be significantly different from those periods of before, during, and after the financial crisis. Periods of during and after the financial crisis, the positive impact of capital regulation on bank performance is found to turn to negative, while the negative impact of supervision capability on bank returns is found to be lessened. Results above indicate that bank regulations may have interfered banks to find ways to avoid loss and thus lowered bank returns during and after periods of the financial crisis.
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Kuo, Jen-chang, i 郭仁彰. "The Risk Assessment of Mainland China Bank Equity Investment Strategy for Taiwanese Banks- F Bank Example". Thesis, 2012. http://ndltd.ncl.edu.tw/handle/62498261692782900097.
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碩士東吳大學
EMBA高階經營碩士在職專班
100
This study investigated a risk assessment for Taiwanese bank shares of Mainland China bank, through field visit information and discussions of mergers and acquisitions with financial market professionals. I hope by this way in-depth to explore the process of Taiwanese banks in assessing Mainland China banks, as well as the hidden risk factors inside Mainland China banks. Meanwhile, by the professional financial view from the third person erspective, we can understand Taiwanese financial institutions shares of Mainland China banks in the whole picture and cross-strait bank differences, rendering a broader, clearer, and more appropriate status of risk. This article discusses the Taiwanese bank make Mainland China bank equity participations. (1) About Mainland China Urban Banks, the city government-related business deposit and loan rates are too high. The concentrated dependence on the government business is too much. The local government debt concentration of credit risk is big. (2) The original shareholders are most for local governments and nation-owned enterprises. The main purpose of the release of shares are the introduction of strategic investors. The strategic partners are with business experience or they can increase of their market dominance. By the proportion of the release shares which is subject to PRC laws limit, by the control of the party organization or management rights by the local government, a Taiwanese bank shares low degree of the actual operating. So, the agency costs may result in an investment risk booster to a Taiwanese bank. (3) The recognition and treatment of the bad assets in Mainland China banks and whether through the financial practices of earnings management are hidden in the financial statements. So, the Taiwanese bank equity participation acquisition cost becomes higher. The conclusions and the recommendations are Taiwanese banks should continue to grow. The equity participation of Mainland China bank is a necessary option to increase Mainland China market share. For equity participations of Mainland China banks, be sure to join local financial advisors and legal counsels to assist in assessing the financial health of Mainland China banks, to avoid high prices to find a regular partner. The actual initial profit of equity participation in Mainland China banks is very small. However, the Taiwanese banks can greatly reduce the learning time and cost of implementation of the Chinese market. The cross-strait financial supervisions vary considerably. Taiwanese banks should always focus on cross-strait political trends. The potential importance of the rule is far more than the general rules of the mergers and acquisitions. The advantages of Taiwanese banks to do Mainland China bank equity participations depend on operation management thus indirectly to obtain equity bargaining power, but not to over look forward to getting the Mainland China bank control rights. Instead, Taiwanese banks should more concern about the project items which shared object can operate to obtain the concept of commercial sale in the Mainland China, rather than the foreign investment in China.
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Rocha, Joana Isabel Pereira da. "The determinants of Bank Lending in Commercial Banks". Master's thesis, 2017. http://hdl.handle.net/10400.14/23625.
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Esta tese desenvolve e estima um modelo de procura de forma a avaliar os determinantes da escolha dos consumidores de serviços de empréstimos bancários em bancos comerciais. De acordo com a literatura de escolha discreta, os consumidores respondem tipicamente ao preço e às características dos produtos. Utilizando dados do setor bancário dos E.U.A. de 2011 a 2015, os resultados sugerem que os consumidores respondem negativamente a um aumento nas comissões de serviço e nas taxas de juro. Além disso, indicam que os consumidores preferem bancos mais recentes e que o risco de crédito do banco não influencia o processo da tomada de decisão.This thesis develops and estimates a demand model for commercial bank loan services to assess the determinants of consumer bank lending choice involving commercial banks. Following the discrete choice literature, consumers typically respond to price and product characteristics. Using data from the U.S. banking industry from 2011 to 2015, the results suggest that consumers respond negatively to an increase in service fees and in loan interest rates. Furthermore, they indicate that consumers prefer younger banks and that asset risk does not influence the decision-making process.