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Gotowa bibliografia na temat „BANKING SECTOR PERSPECTIVE”

Autor: Grafiati

Data publikacji: 11 września 2023

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Artykuły w czasopismach na temat "BANKING SECTOR PERSPECTIVE"

Tsaurai, Kunofiwa. "Banking sector development and foreign direct investment. A case of Botswana". Risk Governance and Control: Financial Markets and Institutions 4, nr 3 (2014): 44–50. http://dx.doi.org/10.22495/rgcv4i3art5.

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The study investigates if there is a causality relationship between banking sector development and FDI inflows in Botswana. Though quite a number of authors have written on the subject, there appears to be no consensus on the directional causality between banking sector development and FDI inflows into the host country. At the moment, three dominant perspectives exist regarding the relationship between banking sector development and FDI inflows into the host country. The first perspective says that banking sector development attracts FDI inflows into the host country. The second perspective suggests that there is a positive feedback effect between banking sector development and FDI inflows whilst the third perspective maintains that there is no direct causality relationship between the two variables. The results from this study are consistent with the third perspective that says there is no direct causality relationship between banking sector development and FDI net inflows. This confirms that the long run relationship between banking sector development and FDI net inflows is an indirect one and the two set of variables affect each other indirectly through other factors in Botswana.

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Murad, Muhammad, Azhar Bhatti, Abou Bakar, Rashid Ahmad i Ali Junaid Khan. "Exploring the Relationship between Effective Management & Social Equity: A CSR Perspective". Journal of South Asian Studies 10, nr 1 (30.04.2022): 103–11. http://dx.doi.org/10.33687/jsas.010.01.4180.

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The objective of this study is to identify the role of effective management in social equity in the micro-finance banking sector of Pakistan. It is understood that in the micro-finance banking sector, the deficiency of effective management is reported and it is creating hurdles in the way of promoting social equity in the banking sector. This study was based on the primary data collected on a five-point Likert questionnaire. The target population for this study was the employees and customers of the micro-finance banking sector of South Punjab. The results of this study demonstrate that there is a critical role for effective management to ensure the implementation of social equality practices in the banking sector to improve the loyalty of customers and the performance of the organization. This study fills in the gaps in the literature about the micro-finance banking sector by showing how corporate social responsibility, non-discrimination, and social awareness work together to create social equity.

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Singh, Naib. "M-Banking: Perspective in Indian Business". Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 1, nr 1 (31.01.2015): 104–7. http://dx.doi.org/10.53555/nnbma.v1i1.147.

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Mobile banking in India is gaining more and more popularity in the present scenario. India is occupying the position of second largest mobile market in the world after China. The major finding of the study is that the future of mobile banking in India will be bright and certainly be more helpful in the development of banking sector. Our country is having vast access of mobile phone services as compared to developed European countries. In the year 2013 22.51 million people were using these services. The objective of the anytime banking can easily be obtained by mobile banking.

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Iyamu, Tiko, i Nontobeko Mlambo. "Actor-Network Theory Perspective of Robotic Process Automation Implementation in the Banking Sector". International Journal of Information Technologies and Systems Approach 15, nr 1 (1.01.2022): 1–17. http://dx.doi.org/10.4018/ijitsa.304811.

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Banking institutions are increasingly exploring ways of improving service delivery rather than the extreme focus and obsession of financial profitability. This has led to localising the internationality of solutions through the implementation (adoption and practice) of Robotic Process Automation (RPA), to advance service delivery. However, the uniqueness of environmental culture, and the critical roles of human actors increase challenges in some banking institutions. Consequently, the adoption of RPA poses a challenge, different from the many norms, which some banks encounter. In some institutions, this is fundamental and disruptive, and questionable to human development. This study explores the challenge by following the actors using the interpretivist approach, from actor-network theory perspective (ANT). From the analysis, five fundamental factors were found to be essential to banking institutions’ operations in their quest to implement RPA. The findings provide fresh perspectives and a mixed trajectory to the adoption of RPA, from the South African banking institutions’ context.

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Noreen, Umara, Attayah Shafique, Zaheer Ahmed i Muhammad Ashfaq. "Banking 4.0: Artificial Intelligence (AI) in Banking Industry & Consumer’s Perspective". Sustainability 15, nr 4 (16.02.2023): 3682. http://dx.doi.org/10.3390/su15043682.

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The simulation of human intelligence in machines, called Artificial intelligence, has risen, and plays an important role in the new banking era. The present study aims to discuss the consumer’s perspective on artificial intelligence’s adoption in Asian countries. The questionnaire was developed and distributed to collect data from five Asian countries (Pakistan, China, Iran, Saudi Arabia, and Thailand). The total useable responses were 799. The results showed that the factors (awareness, attitude, subjective norms, perceived usefulness, and knowledge of artificial intelligence technology) had a significant and positive relationship with the intention to adopt AI in the banking sector. However, perceived risk shows a negative but significant relationship with the intentions to adopt AI. Overall, the findings of this study will be a worthy insight for making strategic decision-making in the banking industry. This will enable the banking management to build a strategy to increase the trust of consumers, which will help them to overcome risks and give them confidence in using digital technology while making transactions. The banking sector also focuses on innovative AI technologies to improve customer services as well as overall growth by generating more revenue.

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Hepton, Tansy. "Risk management and the retail sector: A banking perspective". Journal of Financial Regulation and Compliance 7, nr 1 (styczeń 1999): 17–21. http://dx.doi.org/10.1108/eb024992.

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Abbasov, A. M., Z. F. Mamedov i S. A. Aliev. "Digitalization of the Banking Sector: New Challenges and Prospects". Economics and Management, nr 6 (28.08.2019): 81–89. http://dx.doi.org/10.35854/1998-1627-2019-6-81-89.

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The presented study examines the digital banking model in the context of globalization.Aim. The study aims to analyze the nature and current state of digital banking and to determine perspective directions for its development in Azerbaijan.Tasks. The authors examine the major trends in the development of digital banking, determine its classification relative to the Russian digital banking market, and identify perspective directions for its development in Azerbaijan.Methods. This study uses general scientific methods of cognition to examine in various aspects the models of development, its trends, characteristic features, and perspective directions in Azerbaijan. Results. The progress of both Internet banking and mobile banking is closely associated with e-commerce. Out of 30 banks operating in Azerbaijan, 27 use Internet banking and 25 use mobile banking. At this point, 25% of current account transactions in Azerbaijani banks are conducted via electronic payments. According to the UNCTAD B2C E-commerce Index, Azerbaijan ranks 68th among 144 countries in terms of e-commerce development. Therefore, the most important strategic priorities for the country include improving the variety, quality, and services in the field of digital payments by consolidating the institutional and legal framework of these services, increasing the infrastructure capacity, and facilitating mass use. Expanding the scope of application of digital payments in the context of transparent economic transactions would reduce the costs associated with cash and operating losses of banks and institutions, which would in turn open up new opportunities for modern financial services, thus enhancing economic growth.Conclusions. Development of digital banking is a path toward economic transparency, shrinking of the underground economy, and an increase in tax revenues, the number of jobs, and GDP. The Central Bank of Azerbaijan (CBA) is taking systemic measures aimed at expanding the digital transformation of the banking service and payment system. The implementation and development of innovative banking products should be reflected in the strategy of every bank. Digitalization could become one of the forces driving the development of the baking system and increase the level of trust between depositors and banks, making this sector more transparent. However, there is one major obstacle: a lack of understanding that business should be urgently transformed using digital technology.

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Marshall, Neill, Stuart Dawley, Andy Pike, Jane Pollard i Mike Coombes. "An evolutionary perspective on the British banking crisis". Journal of Economic Geography 19, nr 5 (18.09.2018): 1143–67. http://dx.doi.org/10.1093/jeg/lby043.

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Abstract Developing an evolutionary perspective towards the changing anatomy of the banking sector reveals the enduring tensions and contradictions between spatial centralisation and the possibilities for decentralisation before, during and after the British banking crisis. The shift from banking boom to crisis in 2007 is conceptualised as a significant and on-going moment in the long-term evolution of the historical institutional–spatial dominance of London over other city-regions in Britain. The analysis demonstrates the importance of the institutional and geographical legacies of the British national political economy and variegation of capitalism established in the later nineteenth and early twentieth centuries in shaping contemporary geographical outcomes. Regulatory changes combined with financial innovation in the latter years of the twentieth century to create an opportunity for English regional and Scottish banks excluded from previous institutional–spatial centralisation to expand excessively and consequently several failed in the banking crisis. The paper considers the future trajectory of institutional–spatial centralisation in the banking sector amidst the continued spatial restructuring of the banking crisis, involving a re-drawing of organisational boundaries, overlapping institutional and technological changes and unprecedented uncertainty about the impact of Brexit on Britain’s wider political and economic landscape.

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Awwad, Bahaa Sobhi AbdeLatif. "Market power and performance: An Islamic banking perspective". Corporate Ownership and Control 15, nr 3-1 (2018): 163–71. http://dx.doi.org/10.22495/cocv15i3c1p2.

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This study aims to test the theories of market power and its role in interpreting the performance of Islamic banks in the GCC countries. Based on data from 22 Islamic banks for the period 2012-2017, using standard models, market power theories were unable to explain the returns of Islamic banks in the Gulf. Accordingly, these results deny the existence of an impact of monopoly in the structure of the Islamic banking sector in the performance of this sector, as well as the impact of traditional efficiency in its performance.

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Huljak, Ivan. "Shareholder value in Croatian banking sector". Croatian Review of Economic, Business and Social Statistics 5, nr 1 (1.05.2019): 1–8. http://dx.doi.org/10.2478/crebss-2019-0001.

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AbstractThe view on banks as investments in Croatia is challenged by two phenomena: dual holdings (owners are intensely involved in bank balance sheet as, apart from equity, they provide a significant portion of deposits and loans) and the impediments to determining the cost of equity (as only a handful of banks are traded and with questionable liquidity in the capital market). The paper contributes to the literature by applying the panel regression on the translog cost function in order to calculate the shadow cost of equity for banks in Croatia for the period from 1994 to 2016. In the next step, the Economic Value Added was calculated by taking into account the dual holding role of bank owners. The results suggest that the shareholders economic value is significantly different from the accounting value. In addition, it seems that the standard view that domestic banks are less profitable than foreign banks is only valid from the accounting perspective.

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Rozprawy doktorskie na temat "BANKING SECTOR PERSPECTIVE"

Hans, Christina. "Systemic risk in the banking sector: a network perspective". Doctoral thesis, Universitat Pompeu Fabra, 2017. http://hdl.handle.net/10803/420878.

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This thesis investigates various aspects of systemic risk in nancial networks. Chapter 1 explores the existence of a contagion channel to security returns given that banks are connected via overlapping portfolios. Making use of a proprietary dataset on securities held by German banks, I identify the network induced through cross holdings and nd higher correlations among the returns on securities held by connected banks. This contagion channel to security returns is stronger for banks which are large, highly leveraged and highly interconnected and especially at work during the recent nancial crisis. Chapter 2 establishes a model for bank credit risk interconnectedness based on CDS data, in which defaults can be triggered by systematic global and country shocks as well as idiosyncratic bank-speci c shocks. Applying the framework to a sample of large European nancial institutions reveals that the credit risk network captures a substantial amount of dependence in addition to what is explained by systematic factors. Chapter 3 analyzes the relation between market-based bank credit risk interconnectedness and the associated balance sheet linkages via funding and securities holdings. Results suggest that market-based measures of interdependence can serve well as risk monitoring tools in the absence of disaggregated high-frequency bank fundamental data.
Aquesta tesi investiga diversos aspectes del risc sistèmic en xarxes fi nanceres. El Capítol 1 explora l'existència d'un canal de contagi als rendiments dels actius ates que els bancs estan connectats per portafolis superposats. Fent ús d'una base de dades d'actius financers de bancs Alemanys, identi fico la xarxa induida a través de participacions creuades i trobo correlacions altes entre els rendiments d'actius en poder de bancs connectats. Aquest canal de contagi a rendiments d'actius és més fort per bancs que són més grans, altament endeutats i altament interconnectats, i es va intensifi car durant la recent crisi fi nancera. El Capíol 2 estableix un model d'interconectivitat de risc de crèdit bancari basat en dades del CDS, en el que l'impagament pot ser causat per shocks sistèmics locals o globals o per shocks específi cs dels bancs. Aplicant aquest marc de referència a una mostra d'institucions fi nanceres europees grans, es revela que el risc de crèdit de xarxa captura una part substancial de la dependència,a més del que és explicat per factors sistèmics. El Capítol 3 analitza la relació entre l'interconectivitat del risc de crèdit bancari de mercat i les connexions de balanç de situació associades via finançament i tinences de valors. Els resultats suggereixen que les mesures d'interdependència basades en el mercat serveixen bé com a eines de monitorització del risc en absència de dades bancàries fonamentals.

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Hörstedt, Maria, i Johanna Linjamaa. "Credit Risk Evaluation of Swedish SMEs : A Banking Sector Perspective". Thesis, Umeå universitet, Företagsekonomi, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-107969.

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As a result from the latest financial crisis, the banking industry has undergone major modifications during the last years in order to limit banks’ risks. A vast majority of existing literature tends to focus upon credit risk evaluation methods and techniques mainly concerning quantitative measures and large companies. Thus, the lack of research regarding credit risk evaluation of SMEs is profound, especially considering Sweden. With the dominant market share of SMEs compared to large corporations the authors found it interesting to further explore this area of the credit assessment process as SMEs largely impact the Swedish business sector. The purpose of the thesis at hand is to explore and provide empirical evidence of which criteria banks assess when evaluating credit risk of SMEs in Sweden. In regards to the purpose the authors have chosen to adapt the perspective of the banking industry throughout the thesis. In order to bridge the research gap the following question was established, “How do banks evaluate credit risk of SMEs in Sweden?” In light of the lack of research regarding qualitative assessment of credit risk, the authors found it interesting in terms of developing new theoretical and practical knowledge to establish the following sub-question, “What are the qualitative criteria used by banks when evaluating credit risk of SMEs in Sweden?” Further, as existing literature mainly focus on large companies the authors found it interesting to compare the findings regarding credit risk evaluation on SMEs to the evaluation process of one of the largest credit rating agencies. As a result the second sub-question was established as following, “Are these criteria similar to the criteria used by Standard & Poor’s in their rating model?” These questions were conducted in order to provide the authors and the reader with further insight regarding the criteria used by banks in their evaluation process. An inductive approach was adopted, in line with the epistemological stance of interpretivism and the ontological belief of constructivism. With this in mind, the authors of the thesis conducted a qualitative exploratory research employing narrative interviews in order to collect the data needed, as of the lack of existing research to address the research questions. The results of the research were that the criteria used in the assessment of credit risk tend to alter from advisor to advisor. The most commonly used criteria by the advisors are budget, business plan, customer’s customers, internal and external discipline, financial statements, industry specifics, historical accounts, key individuals, relationship, repayment capacity and the owner/individual. It was discovered that the qualitative criterion of assessing the individual majorly impacts the credit risk evaluation. However, what matters in the end is the overall impression of both qualitative and quantitative measures of the firm. In regards to sub-question one, the authors established a list of qualitative criteria used by advisors in their credit risk evaluation of SMEs, the most widely used criteria among the advisors are the owner/individual, key individuals, internal discipline, industry specifics, external discipline, customer’s customers, relationship and business plan. In comparison with the criteria used by Standard and Poor’s and the banks, it was evident that the criteria used in the evaluation differed a lot between the two.

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Östlund, Andreas, i Pernilla Lindblad. "Cross-border mergers and acquisitions in the banking sector : A Swedish perspective". Thesis, Umeå University, Umeå School of Business, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-1846.

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Kanat, Frat, Jesper Svedberg i Kevin Lloret. "The road toward loyalty : A costumer perspective of loyalty in the banking sector". Thesis, Uppsala University, Department of Business Studies, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-127101.

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Abouzkeh, Abdalnasr. "A critical perspective on social accounting in banking : the case of social accounting in the Libyan commercial banking sector". Thesis, University of Dundee, 2013. https://discovery.dundee.ac.uk/en/studentTheses/a3791ea4-f15b-45bf-9b7a-ac0a3dab6c53.

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Deigh, Gifty Linda Araba. "Corporate social responsibility in the banking sector of a developing country : a Ghanaian perspective". Thesis, University of Bedfordshire, 2016. http://hdl.handle.net/10547/622487.

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The study investigates corporate social responsibility (CSR) theory to contribute to knowledge about CSR within the setting of a developing economy. In this thesis, the specific opportunities and challenges of financial institutions pursuing CSR are examined in depth. This study presents a portrayal of CSR, addressing its role and insight into how CSR is understood and practised. The study draws on an interpretive approach and investigates within a multiple case study context. The choice of cases is based on theoretical sampling, to advance knowledge in the phenomenon by looking at it in non-Western settings. The three cases are selected purposefully within the context of a developing economy: Ghana. The data collection and analysis use multiple data sources from semi-structured interviews of key management informants and archival documents which are analysed according to qualitative data protocols. The data is interpreted via thematic analysis within and across the cases to generate rich insights into the nature of CSR and its practices within their setting. The study recognises the emergent divergent and convergent issues of CSR across the cases with relation to enfolding the literature which involves inquiring with different literature the similarities and contradictions with the research findings. This process helps to link the study with the existing body of knowledge, as well as advance knowledge in CSR. Based on the analysis, this study suggests that there is a strong orientation towards philanthropy on what is classified as CSR. It reveals that the context in which CSR is practised is complex and situationally dependent, with particular influencing factors such as social welfare issues and culture driving societal expectations and business decisions on CSR. This study offers a revised model of CSR, suggesting a non-linear relationship with the integrated and porous dynamics between the various CSR components which thus provides insight into the nature of CSR in the banking sector in Ghana. The findings of the research can provide both academics and managers with valuable information on CSR practice in a developing country context.

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Maphakela, Madidimalo Rabbie. "A model for legal compliance in the South African banking sector : an information security perspective". Thesis, Nelson Mandela Metropolitan University, 2008. http://hdl.handle.net/10948/725.

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In the past, many organisations used to keep their information on paper, which resulted in the loss of important information. In today’s knowledge era the information super-highway facilitates highly connected electronic environments where business applications can communicate on an intra- as well as inter-organizational level. As business expanded more into the cyber-world, so did the need to protect the information they have. Technology advances did not only bring benefits, it also increased the vulnerability of companies’ information. Information, the lifeblood of an organization, must be protected from threats such as hackers and fraud, amongst others. In the highly regulated financial sector, the protection of information is not only a best practice, but a legal obligation carrying penalties for non-compliance. From a positive aspect, organisations can identify security controls that can help them to secure their information, with the aid of legal sources. But organisations find themselves burdened by a burgeoning number of legal sources and requirements, which require vast resources and often become unmanageable. This research focuses on finding a solution for South African banks to comply with multiple legal sources, as seen from an information security perspective.

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Mukora, Noreen C. "South Africa's Bank licencing prequirements in light of its banking sector liberalisation commitments under the general agreement on trade in services : a legal perspective". Diss., University of Pretoria, 2014. http://hdl.handle.net/2263/43669.

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Sadek, Heba Hassan. "The impact of marketing communication tools on building brand equity". Thesis, Cardiff Metropolitan University, 2015. http://hdl.handle.net/10369/7829.

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In today’s competitive business environment, banks operate in a severe rivalry due to various factors, including globalisation, fast technological developments and homogeneous nature of banks services. For this reason, building valuable brands is crucial in differentiating banks and adding value to the banking services. The research problem that emerged was: investigating the major bank marketing communication tools to examine their impact on building bank brand equity. The researcher went about in achieving this purpose by: identifying the major marketing communication tools used by banks that help build bank brand equity via the customer-based brand equity (CBBE) dimensions from customers’ perspective; and testing and analysing the hypotheses in order to develop the final research model. In order for this purpose to be attained, two research questions were answered: what are the major bank marketing communication tools that help build bank brand equity? Which hypotheses regarding the impact of the major bank marketing communication tools on building bank brand equity via the CBBE dimensions are supported in this study? This research was carried out in the Egyptian banking sector from the customer perspective. Mixed-method research was used. The first phase was the qualitative research approach, which consists of conducting and analysing semi-structured interviews. These interviews were carried out with fifteen bank customers based on judgmental sampling technique. The purpose of these interviews were to identify the major bank marketing communication tools that help build bank brand equity via the CBBE dimensions; to help develop a proposed conceptual framework; to help develop the research hypotheses; and to help develop the intended questionnaire survey. According to the findings, advertising, personal selling and direct marketing were the most popular marketing communication tools in the Egyptian society for banks. Once the needed insights were emerged, the second phase, the quantitative phase, was conducted. The researcher distributed and collected large-scale questionnaire survey. These questionnaires were carried out with 465 bank customers based on a quota sampling technique. These questionnaires were then analysed by using Structural Equation Modelling (SEM) to test and analyse the research hypotheses; and to help develop the final research model. Findings showed that the major bank marketing communication tools consist of personal selling, direct marketing and advertising respectively according to their importance on building bank brand equity. Given the fact that all CBBE dimensions are interrelated, not all of them directly impact bank brand equity. Only brand loyalty and brand perceived quality were found to have a significant positive direct effect on bank brand equity. When conducting this study, the researcher faced several limitations. The data were collected only in Cairo and Alexandria; only the major controllable marketing communication tools were assessed, and non-probability sampling was used.

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Benade, Jean. "An analysis of the risk-return relationship in the primary agriculutral sector in the Western Cape from a commercial bank's perspective". Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/6421.

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Thesis (MBA (Business Management))--University of Stellenbosch, 2009.
ENGLISH ABSTRACT: The research report investigates the risk/return relationship in the primary agricultural sector in the Western Cape from a commercial bank's perspective. The study investigated the correlation between credit risk and return within a randomly selected portfolio of agricultural borrowers. Different risk categories were investigated to detennine which category correlates best with return. The effect of below prime and above prime pricing on return was also investigated. The study was conducted in the context of the turmoil in financial markets since the beginning of 2008, caused by excessive credit risks. This has led to the need for better regulation in the financial services industry and better pricing decisions. Factors supporting this need for better regulation include securitisation of debt, consolidation, globalisation and the systemic risk that banks impose on the economy. The Basel Capital Accord introduced new regulatory requirements for the banking industry to ensure more effective management of credit risk. Risk management processes in agriculture are also subject to the requirements of this accord. The agricultural sector is characterised by unpredictable climatological conditions, poor governmental support, low profitability, overcapitalisation and price volatility, which cause this sector to be especially exposed to credit risk. The credit risk of borrowers within the case study bank was measured in tenns of a default grade using a behavioural risk rating model. Risk ratings are used for profitability analysis, risk management and regulatory reporting. These ratings are assigned during the annual review process, when borrowers are exposed to a business viability assessment. Banks incur risk costs when accommodating a borrower's credit risk, which has a negative effect on the return that the borrower generates for the bank. This emphasises the importance of correlation between credit risk and pricing and by implication return for sustainable profit margins. The research results indicated that no correlation exists between credit risk and pricing. This lack of correlation can be attributed to eontracrual agreements, relationship banking, technological constraints, asset growth, price sensitivity in the agricultural sector and the nature of the risks in agriculture. The study also found that a negative correlation exists between credit risk and return. This can be attributed to the fact that the higher the credit risk, the more economic capital is required to support this risk and the more it costs. This implies a lower return on capital. It is recommended that the risk/return relationship should be improved by reducing credit risk, increasing non-interest income, ensuring that new borrowers are priced adequately, differentiating the existing portfolio in terms of value and improving the negotiating skills of bankers. No meaningful conclusion could be drawn with regard to the effect that below prime and above prime pricing have on return.
AFRIKAANSE OPSOMMING: Die studieverslag ondersoek die verwantskap tussen risiko en opbrengs in die primere landbousektor in die Wes-Kaap vanuit die perspektief van 'n kommersiele bank. Dit ondersoek die korrelasie tussen kredietrisiko en opbrengs in 'n ewekansige steekproef van landboukliente. Verskillende risikokategoriee is ondersoek om te bepaal watter kategorie die beste korrelasie tussen risiko en opbrengs verteenwoordig. Die invloed van beprysing onder en bo prima op opbrengskoers word ook ondersoek. Die studie is gedoen in die konteks van die krisis in die finansiele markle sedert die begin van 2008, wat veroorsaak is deur oornatige kredietrisiko. Dit het die behoefte aan beter regulering in die finansiiHedienste-industrie asook beter beprysingsbesluite laat ontstaan. Faktore wat hierdie behoefte aan beter regulering ondersteun, sluit in die verhandelbaarheid van krediet, konsolidasie, globalisasie en die sistemiese risiko wat banke vir die ekonomie inhou. Die Baselooreenkoms het nuwe regulatoriese vereistes aan die bankindustrie gesteil om meer effektiewe bestuur van kredietrisiko te verseker. Risikobestuursprosesse in die landbou is ook onderhewig aan die vereistes van die Baselooreenkoms. Die landbousektor word gekenmerk deur onvoorspelbare klimatologiese toestande, swak regeringsondersteuning, lae winsgewendheid, oorkapitalisering en prysskommelinge, wat veroorsaak dat hierdie sektor buitengewoon blootgestel is aan kredietrisiko. Die kredietrisiko van die kliente van die gevallestudiebank is gemeet volgens 'n waarskynlikheidsgradering wat verkry word vanaf 'n risikomodel wat op gedragspatrone gebaseer is. Risikograderings word gebruik vir winsgewendheidsontledings, risikobestuur en regulatoriese verslaggewing. Dit word tydens die jaarlikse hersieningsproses toegeken, wanneer kliente aan 'n lewensvatbaarheidstudie blootgestel word. Banke gaan risikokostes aan om die kredietrisiko van kliente te akkommodeer, wat 'n negatiewe uitwerking het op die opbrengs wat daardie klient vir die bank genereer. Dit beklemtoon die belangrikheid van korrelasie tussen kredietrisiko en beprysing en by implikasie opbrengs vir volhoubare winsgrense. Die navorsingsresultate toon dat daar geen korrelasie tussen kredietrisiko en beprysing bestaan nie. Hierdie gebrek aan korrelasie kan toegeskryf word aan leningskontrakte, verhoudingsbankwese, tegnologiese beperkings, bategroei, pryssensitiwiteit in die landbousektor en die aard van die risiko's in die landbou. Die studie het ook bevind dat daar 'n negatiewe korrelasie is tussen kredietrisiko en opbrengs. Dit kan toegeskryf word aan die feit dat hoe hoer kredietrisiko is, hoe meer ekonomiese kapitaal vereis gaan word om hierdie risiko te ondersteun en hoe hoer gaan die risikokostes wees. Dit impliseer 'n laer opbrengs op kapitaal. Om die verwantskap tussen risiko en opbrengs te verbeter, word aanbeveel dat kredietrisiko verminder word, nie-rente-inkomste verhoog word, nuwe kliente korrek beprys word, differensiasie van die bestaande portefeulje plaasvind in terme van waardetoevoeging en die onderhandelingsvermoe van bankiere verbeter word. Geen betekenisvolle gevolgtrekking kon gemaak word aangaande die effek wat beprysing onder en bo prima op die opbrengskoers het nie.

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Książki na temat "BANKING SECTOR PERSPECTIVE"

Chan-Lau, Jorge A. Idiosyncratic and systemic risk in the european corporate sector: A CDO perspective. [Washington, D.C.]: International Monetary Fund, Monetary and Financial Systems Dept. and Asia Pacific Dept., 2006.

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Banking sector liberalization in India: Evaluation of reforms and comparative perspectives on China. New York, NY: Physica, 2008.

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Credit, United States Congress House Committee on Financial Services Subcommittee on Financial Institutions and Consumer. The new Basel Accord: Private sector perspectives : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eighth Congress, second session, June 22, 2004. Washington: U.S. G.P.O., 2004.

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Selarka, Ekta, i Saumitra Bhaduri. Maladies of the Indian Banking Sector: A Critical Perspective Beyond NPAs. Cambridge University Press, 2022.

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Misra, Devi Prasad, i Suman Kalyan Chaudhury. Corporate Governance Practices in Indian Banking Sector : Corporate Governance in Banks: An Indian Perspective. Eliva Press, 2020.

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Dhar, Sujoy Kumar, i Pema Lama, red. Corporate Governance Practices In Indian Banking Sector And Its Several Perspectives. Vandana Publications, 2022. http://dx.doi.org/10.31033/vanpublko/2022.03.

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Ray, Partha, Arindam Bandyopadhyay i Sanjay Basu, red. India Banking and Finance Report 2021. SAGE Publications India Pvt Ltd, 2022. http://dx.doi.org/10.4135/9789354793103.

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India Banking and Finance Report 2021 presents a lucid yet rigorous discussion on the key facets of the Banking and Financial sector in India. Written primarily by the faculty of National Institute of Bank Management (NIBM), Pune, the report covers a wide spectrum of issues ranging from contemporary macro-financial perspectives against the backdrop of the ongoing pandemic to leadership concerns in Indian banks. The list of subjects included is topical, comprising corporate governance challenges, mergers and acquisitions, problems and prospects of the Bad Bank, latest risk management concepts and frontiers, sectoral studies, digital transformation and leadership paradigms. The report seeks to highlight the emerging challenges and opportunities in the banking and financial sector, glean important lessons from the past, and in some cases speculate on the way forward. It emphasizes on a blend of internal strategies, regulatory reforms and public policy initiatives. The report will stimulate enlightened dialogues on the theoretical, empirical and practical aspects of bank management in India.

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Wójcik, Dariusz, i Theodor F. Cojoianu. Conclusions. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198817314.003.0010.

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The chapter summarizes observations made in the preceding chapters, and complements them from a geographical perspective, putting developments in the eight countries and eleven financial centres covered in the book in a global context. It starts by looking at the elite of the financial sector, comparing the world’s top centres of investment banking and asset management. Next, it broadens its focus by reviewing trends and patterns of employment in the financial and business services sector as a whole. The following section offers a glimpse of offshore finance and its development since the crisis. In addition, it provides an overview and comparison of developments in fintech and their potential impact on the global map of financial centres. The concluding section considers new geographical ways of conceptualizing relationships among financial centres, financial and business services, and offshore finance, and ends with suggestions for future research.

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Roland, Christian. Banking Sector Liberalization in India: Evaluation of Reforms and Comparative Perspectives on China. Springer London, Limited, 2007.

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Roland, Christian. Banking Sector Liberalization in India: Evaluation of Reforms and Comparative Perspectives on China. Physica-Verlag, 2010.

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Części książek na temat "BANKING SECTOR PERSPECTIVE"

George, Elizabeth, i Zakkariya K.A. "Perception of Empowerment: A Psychological Perspective". W Psychological Empowerment and Job Satisfaction in the Banking Sector, 47–86. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-94259-9_3.

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Wittmann, Xinhua, i Flutra Lutfiju. "Adopting AI in the Banking Sector – The Wealth Management Perspective". W Communications in Computer and Information Science, 151–62. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-86761-4_13.

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Ma, Zhengwei. "The Factors Impact Customer Satisfaction in Online Banking Sector: The Chinese Perspective". W Lecture Notes in Electrical Engineering, 625–32. Berlin, Heidelberg: Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-26007-0_77.

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Kontakos, Panagiotis. "Foreign Direct Investment in Perspective: Evidence from Mergers and Acquisitions in the Turkish Banking Sector". W Mergers and Acquisitions as the Pillar of Foreign Direct Investment, 233–59. New York: Palgrave Macmillan US, 2012. http://dx.doi.org/10.1057/9781137031556_13.

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Chedrawi, Charbel, Yara Atallah i Souheir Osta. "Big Data in the Banking Sector from a Transactional Cost Theory (TCT) Perspective—The Case of Top Lebanese Banks". W Lecture Notes in Information Systems and Organisation, 391–405. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-34269-2_27.

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St-Hilaire, Walter Amedzro. "Multi-Level Perspective for Analyzing the Impact of Strategy Optimization on the Business Improvement in the Banking Sector and the Digital Era". W Value-Based Management in an Open Economy, 327–54. Boca Raton: Apple Academic Press, 2022. http://dx.doi.org/10.1201/9781003336198-15.

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Fitriani, S., i P. M. Desiana. "The impact of career adaptability and occupational future time perspective on career planning and its implications towards turnover intention: Evidence from Indonesia's banking sector". W Sustainable Future: Trends, Strategies and Development, 5–8. London: Routledge, 2022. http://dx.doi.org/10.1201/9781003335832-2.

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Wisniwski, Sylvia. "Bankers' Perspectives — Dynamic Banking in a Changing Market". W EU Accession — Financial Sector Opportunities and Challenges for Southeast Europe, 131–62. Berlin, Heidelberg: Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/3-540-26963-0_11.

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Evangelinos, Konstantinos I., Antonis Skouloudis, Ioannis E. Nikolaou i Walter Leal Filho. "An Analysis of Corporate Social Responsibility (CSR) and Sustainability Reporting Assessment in the Greek Banking Sector". W Professionals' Perspectives of Corporate Social Responsibility, 157–73. Berlin, Heidelberg: Springer Berlin Heidelberg, 2009. http://dx.doi.org/10.1007/978-3-642-02630-0_9.

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Bouwer, Johan. "Honour as the (New) Foundational Virtue for Responsible Leadership in the Banking Sector: A Theoretico-Conceptual Analysis". W Perspectives on Philosophy of Management and Business Ethics, 165–79. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-46973-7_11.

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Streszczenia konferencji na temat "BANKING SECTOR PERSPECTIVE"

Ranisavljević, Duško, i Zoran Jović. "The Perspective of E-Banking in Small Business Banking Sector". W Sinteza 2016. Belgrade, Serbia: Singidunum University, 2016. http://dx.doi.org/10.15308/sinteza-2016-412-417.

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Hammour, Rand Abu, Yousef Al Gharaibeh, Malik Qasaimeh i Raad S. Al-Qassas. "The status of information security systems in banking sector from social engineering perspective". W the Second International Conference. New York, New York, USA: ACM Press, 2019. http://dx.doi.org/10.1145/3368691.3368705.

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Okour, Mohammad, Chin Wei Chong, Arnifa Asmawi i Mohammed Akour. "Knowledge Management Systems Usage From The User's Perspective: The Influence Of Organizational Factors In Jordanian Banking Sector". W 2018 8th International Conference on Computer Science and Information Technology (CSIT). IEEE, 2018. http://dx.doi.org/10.1109/csit.2018.8486383.

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Banincova, Eva. "Implications of the Global Financial Crisis on the Banking Sector in Eastern Europe and Baltic States". W International Conference on Eurasian Economies. Eurasian Economists Association, 2011. http://dx.doi.org/10.36880/c02.00263.

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In 2008-09 the banking sectors of four Central and East European States and three Baltic States have experienced a large-scale financial crisis in the EU for the first time since becoming foreign-owned. Amongst the new EU member states Baltic States and Hungary were the worst affected economies. The paper first explores why the extent of crisis varied among these seven states by distinguishing major differences in the pre-crisis bank lending practices which reflect different macroeconomic developments and exchange rate policies in these states. Based on the analysis of bank performance indicators since 2008 and my interviews with representatives of major banks active in the region, the important role of foreign banks in mitigating the risks of financial contagion is outlined. The implication from the crisis is examined mainly from the perspective of the financial supervision and regulation in the enlarged EU. By inspecting the concrete experience of financial supervision authorities in the Baltic States the paper shows why the host country supervisors were not able to curb excessive lending and risk-taking by large Scandinavian banks. Since it is expected that the new EU regulatory and supervisory framework will reinforce the financial stability in the case of large cross-border banking groups, the paper addresses the issues in the financial crisis prevention, management are resolution in the new EU member states which will improve based on the new EU regulatory and supervisory framework for credit institutions.

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Binjabi, Hayam. "The Influence of Professionalism on Actors' Social Exchange Structure in High-Performance Work System Implementation from an Institutional Perspective: a Study of Managers in the Saudi Banking Sector". W Eighth Saudi Students Conference in the UK. IMPERIAL COLLEGE PRESS, 2015. http://dx.doi.org/10.1142/9781783269150_0016.

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Alade, O. M., E. A. Amusan, O. T. Adedeji i S. B. Adebayo. "Cybercrime and Underground Attack Technologies: Perspectives from the Nigerian Banking Sector." W 27th iSTEAMS-ACity-IEEE International Conference. Society for Multidisciplinary and Advanced Research Techniques - Creative Research Publishers, 2021. http://dx.doi.org/10.22624/aims/isteams-2021/v27p6.

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Banks all over the world are taking advantage and opportunities brought about by e-banking which happened as a result of Internet. As the security level in this sector becomes stronger, the strength and tactics of these fraudsters also increases. Various lucrative attacks have been launched and unfortunately, many have succeeded. This paper addressed different types of cybercrimes in banking sector, factors contributing to cybercrime, tools used by cybercriminals, effects of cybercrime on Nigeria banking, cyber security technology for preventing cybercrimes and duties of individual and organizations on protecting our banks from cybercrime. Keywords: Cybercrime, Banking Sector, Internet, Cyber security.

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Cîrlan, Ana. "Lending activity of legal entities in the current conditions". W International Scientific Conference “30 Years of Economic Reforms in the Republic of Moldova: Economic Progress via Innovation and Competitiveness”. Academy of Economic Studies of Moldova, 2022. http://dx.doi.org/10.53486/9789975155663.52.

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Lately, innovations and technological progress in the banking sector have generated new perspectives for banks in the Republic of Moldova. In the conditions of the financial crisis, both the National Bank of Moldova and the licensed banks pay special attention to the loan portfolio. This indicator reflects the quality of credit portfolio management, which therefore influences the situation of the banking system as a whole. Therefore, the issue of setting up a loan portfolio of the bank, which has minimal risk elements and is able to bring in maximum income, is relevant.

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Dermengi, Daniela. "The evolution of the banking supervision framework in Republic of Moldova". W The 8th International Conference "Management Strategies and Policies in the Contemporary Economy". Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/icspm2023.42.

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This article is a summary of all new regulations and reforms carried out by the National Bank of Moldova aimed to strenght the banking supervision. Also, the article presents the content and the results of the Twinning projects that followed the conclusion of the Association agreement Moldova-European Union, in 2014 year. The prudential requirements regarding the capital and liquidity indicators are presented in evolution, as well the dynamic of the recorded data by the banking system in order to conclude how liquid and well capitalized it is. The article is focused on the new requirements imposed by Basel III and the reforms that have changed at all the banking legislation framework and that are going to bring new supervision perspectives to the financial sector as a whole.

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Fernando, WDN, P. Sridarran i Y. J. M. Yatawatta. "Applicability of drive-thru banking facility for the new normal setup: a case of covid-19 pandamic in Sri Lanka". W World Construction Symposium - 2023. Ceylon Institute of Builders - Sri Lanka, 2023. http://dx.doi.org/10.31705/wcs.2023.17.

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Banks play an important role in economic growth and social welfare enhancement. However, the COVID-19 epidemic had an unanticipated significant impact on enterprises and organisations. Nonetheless, due to the crucial nature of their services, banks should continue to operate. As a result, to increase efficiency and profitability, the banking industry has embraced cutting-edge technology and access techniques. One of the most popular methods in the worldwide banking sector is drive-thru banking. However, in Sri Lanka, no particular emphasis has been paid to this type of facility, and there has been no adequate study on this topic addressing the applicability of drive-thru banking facility. A detailed literature analysis was conducted to review the concept and important components of drive-thru banking, as well as elements of the banking business globally and regarding to the Sri Lanka. Case studies and a survey were used to continue the study using the qualitative research approach. The study examined how each of the implementation factors, such as enablers, barriers, benefits, limitations, requirements, and customer perspectives on this facility, affected the applicability. Accordingly, certain factors such as high initial costs, supplier and maintenance constraints, carparking limitations, queue control, and accessibility need to be addressed. The study concludes that by considering these implementation variables, drive-thru banking can yield positive outcomes for both customers and bankers. The study recommends that banks in Sri Lanka explore the potential of drive-thru banking facilities and adopt them as a means of improving their services and meeting customer needs in a changing landscape.

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Casalegno, Cecilia, Peter Maple i Chiara Civera. "An Investigation Of "The Spectrum of Corporate Social Responsibility." or to Be More Precise: Over-Communication - a Comparative Analysis of the UK and Italian Banking Sectors from the Customers' Perspective." W ISIS Summit Vienna 2015—The Information Society at the Crossroads. Basel, Switzerland: MDPI, 2015. http://dx.doi.org/10.3390/isis-summit-vienna-2015-t1.3005.

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Raporty organizacyjne na temat "BANKING SECTOR PERSPECTIVE"

Alonso, María, Eduardo Gutiérrez, Eduardo Moral-Benito, Diana Posada i Patrocinio Tello-Casas. Un repaso de las diversas iniciativas desplegadas a nivel nacional e internacional para hacer frente a los riesgos de exclusión financiera. Madrid: Banco de España, marzec 2023. http://dx.doi.org/10.53479/29772.

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Las dificultades en el acceso a los servicios bancarios por parte de determinados grupos de población, especialmente aquellos residentes en zonas rurales y/o de edad avanzada, suponen una fuente de vulnerabilidad ante el riesgo de exclusión financiera de dichos colectivos. Este trabajo ofrece un resumen de las actuaciones desplegadas al objeto de mitigar dichos riesgos en los diferentes países europeos, con especial énfasis en el caso español. Si bien estas iniciativas son de naturaleza diversa y dependen de factores idiosincráticos de cada país, una revisión sistemática de las mismas permite extraer las siguientes conclusiones principales desde una perspectiva comparada. Desde el ámbito de la iniciativa privada, cabe destacar el despliegue en varios países europeos de redes de puntos de acceso al efectivo compartidas por diferentes entidades bancarias, si bien su implantación es, por el momento, relativamente menor en el caso español. Respecto a las iniciativas de colaboración público-privada, tanto en España como en el resto de países europeos, destaca la utilización de los acuerdos entre las entidades bancarias y las empresas de correos, que cuentan con una gran capilaridad en su red de oficinas. Desde el ámbito público, las actuaciones más comúnmente utilizadas se refieren a ayudas para instalar cajeros automáticos en zonas rurales. Por su parte, la regulación de los niveles mínimos de provisión de puntos de acceso al efectivo mediante la acción legislativa solo está vigente en el caso de Suecia, donde el uso de efectivo es tan minoritario que su potencial desaparición supone una amenaza sobre la viabilidad de la infraestructura de efectivo. Difficulties in accessing banking services by certain population groups, in particular those living in rural areas and/or the elderly, are a source of potential vulnerability with regard to the risk of financial exclusion of these cohorts. This paper summarises the actions deployed, by public and private institutions, in order to mitigate these risks in European countries, with special emphasis on Spain. Although these initiatives are diverse in nature and depend on idiosyncratic factors in each country, a systematic review allows the following conclusions to be drawn from a comparative perspective. First, it is worth noting the deployment in several European countries of networks of cash access points shared by different banks, although their implementation is, for the time being, relatively lower in Spain. Second, regarding public-private collaboration initiatives, both in Spain and in other European countries, the use of agreements between banks and post offices, which have well-distributed networks of offices, stands out. Third, the most common public sector initiatives consist of aid for the instalment of ATMs in rural areas. However, legislation regulating minimum provision of cash access points is only in force in Sweden, where the use of cash is so low that its potential disappearance poses a threat to the viability of cash infrastructure.

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Saha, Devanik. Shockproof and Inclusive Fiscal Policies. Institute of Development Studies, lipiec 2023. http://dx.doi.org/10.19088/core.2023.005.

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The Covid-19 pandemic has had a significant impact on the economies of most countries. What differed is the intensity of the impact, which ranged from mild economic contractions to devastating recessions and downturns. From a generic perspective, it is obvious to assume that high-income countries (HIC) would have faced lesser economic destruction than low- and middleincome countries (LMIC). However, a closer examination reveals that there are several factors that determined the impact of the pandemic on a country, as well as influenced its ability to respond. For instance, the existing economic structures and weaknesses strongly affected the countries’ ability to provide adequate fiscal stimulus. These weaknesses are following pro-cyclical policies and not creating fiscal buffers that would help build more resilience. An interesting finding that emerged was that the credit rating of a country was found to be the most important determinant of its Covid-19 fiscal response. This is one major area where HICs had a significant advantage compared to LMICs. Another key challenge that disproportionately affected LMICs was the lack of digitisation and access to the internet, which hampered economic growth as well as affected the countries’ ability to quickly disburse cash transfers and support. Research supported by the Covid-19 Responses for Equity (CORE) Programme – which is supported by the International Development Research Centre (IDRC) – has revealed some emerging lessons and recommendations to address these challenges and improve the resilience of countries to future shocks. One of the first and foremost recommendations is for countries to invest strongly in social protection and healthcare systems for its citizens, which would help build their resilience for future shocks. Adopting free trade policies and avoiding protectionism has also been an important lesson from the pandemic. Another key lesson is to employ a gender lens to fiscal and monetary policies as women have been disproportionately affected by the pandemic. Countries should also adopt expansionary monetary and fiscal policies as far as possible to increase the demand. Finally, countries also need to strengthen their financial institutions and mechanisms and reduce political interference, that would help maintain the asset quality of the banking sector.

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