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1
Stovrag, Arijan. "Capital requirements and bank profitability : A comparison between the large Swedish banks and niche banks". Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Nationalekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-35028.
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Purpose: The purpose of this study is to describe and explain the relation of changes in capital requirements on the profitability of Swedish banks. Method: A mixed model approach is used. The quantitative approach is con-ducted through the collection and analysis of statistics from Swe-dish banks and financial institutions. The qualitative research ap-proach is used to obtain further insights into the Swedish banking system and how banks are managing capital requirements. This is conducted through interviews with respondents from a large bank, a niche bank, and the Riksbank. Analysis: The analysis is made on yearly data from 1999 to 2015. Return on equity and net interest margin are individually used as dependent variables. The independent variables are various capital ratios which are defined by the Basel framework. The results from the quantitative analysis are in line with the findings from the qualita-tive interviews. Conclusion: On one hand, capital requirement ratios seem to have a negative and statistically significant correlation with the Return on Equity for both large banks and niche banks. On the other hand, capital re-quirement ratios seem to have a positive and statistically significant correlation with the Net Interest Margin for niche banks.
2
Ozturk, Huseyin. "Three essays in Turkish banking : development banks, Islamic banks and commercial banks". Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31399.
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This thesis is composed of three empirical chapters each of which examines separate segments of Turkish banking system from different perspectives. First empirical chapter investigates regional loan distribution of development banks. The findings in this chapter suggest that political connection has played a significant role in development lending. There is also geographical bias which leads to higher volumes of loans in the regions close to the capital city. Second empirical chapter examines Islamic banks and compares them with conventional banks in terms of profitability and competition grounds. The results reveal that Islamic banks earn more returns with respect to conventional banks. The results also suggest that the regulatory changes of the last decade improve market power of these banks. The last empirical chapter investigates micro structure of Repo and Reverse Repo Market of Turkey in which only commercial banks can transact. This chapter initially presents the network topologies of this market that helps one to understand the characteristics of complex network in this market. This chapter then computes a connectivity measure and investigates the drivers of connectivity out of domestic and external factors. Although results provide very rich insights, external factors dominate the behaviour of network in this market.
3
Gross, Stephanie. "Banks and shareholder value : an overview of bank valuation and empirical evidence on shareholder value for banks /". Wiesbaden : Dt. Univ.-Verl, 2006. http://www.gbv.de/dms/zbw/511250479.pdf.
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Tam, Pui-sun. "The Bank of China Group in Hong Kong : its changing role and future direction /". Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B15967463.
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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
6
Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /". Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.
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Cutcher, Leanne. "Banking on the customer customer relations, employment relations, and worker identity in the Australian retail banking industry /". Connect to full text, 2004. http://hdl.handle.net/2123/632.
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Thesis (Ph. D.)--University of Sydney, 2004.Title from title screen (viewed 8 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Discipline of Work and Organisational Studies, School of Business, Faculty of Economics and Business. Includes bibliographical references. Also available in print form.
8
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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Tolley, Rebecca. "Seed Banks". Digital Commons @ East Tennessee State University, 2007. https://www.amzn.com/031333725X.
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Book Summary: The business of food and drink is for better and worse the business of our nation and our planet, and to most consumers how it works remains largely a mystery. This encyclopedia takes readers as consumers behind the scenes of the food and drink industries. The contributors come from a wide range of fields, and the scope of this encyclopedia is broad, covering from food companies and brands to the environment, health, science and technology, culture, finance, and more. The more than 150 essay entries also cover those issues that have been and continue to be of perennial importance. Historical context is emphasized and the focus is mainly on business in the United States. Most entries include Further Reading. The frontmatter includes an Alphabetical List of Entries and a Topical List of Entries to allow the reader to quickly find subjects of interest. Numerous cross-references in the entries and blind entries provide other search strategies. The person and subject index is another in-depth search tool.
10
Gardiner, Leslie J. (Leslie Jean) Carleton University Dissertation Management Studies. "The Organizational structure of transnational banks; a comparative analysis of global operations". Ottawa, 1988.
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11
Okehi, Daniel Onyebuchi. "Modelling Risk Management in Banks: Examining Why Banks Fail?" ScholarWorks, 2014. https://scholarworks.waldenu.edu/dissertations/158.
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The persistent bank failures in the Nigerian financial system have been a major concern of the government, depositors, shareholders, and the general public because of the important roles banks play in the economy. The aim of this research was to determine why there have been persistent bank failures in Nigeria and to investigate whether ineffective risk management in banks, coupled with poor corporate governance practices and nonadherence to regulations (independent variables), play a significant role in the banks' performance(dependent variable). The variables were operationalized by taking VaR as the proxy for risk management, having CRO as proxy for ERM , CAR as proxy for corporate governance, and ROE as proxy for performance. The square gap model formed the theoretical basis of this study. The research design was survey design, and a survey instrument was used to collect data from the target population of 300 senior bank executives who were randomly selected from the 24 operating banks in Nigeria. A multiple regression model was used to examine if risk management, governance practices, and regulation adherence significantly predicted bank performance. The findings of the study confirmed that there is a significant positive relationship between the independent variables and the dependent variable. These findings suggest that, by adopting effective risk management, improving corporate governance practices, and adhering to regulations, Nigerian banks can improve their performance. This research has positive social implications for those in the banking industry by ensuring the safety of the depositors' funds in banks, and stabilizing the payment system in the economy, which historically would have been disrupted by systemic failure in the banking industry.
12
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
13
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.
14
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.
15
Dinh, Lien Thi. "Foreign Banks in Vietnam : Performance and Impact on Domestic Banks". Thesis, Griffith University, 2015. http://hdl.handle.net/10072/365821.
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The banking industry occupies a special role in Vietnam’s economy, as it is the most important financial channel, with both the bond and share markets remaining relatively under-developed. To enable and accommodate continued rapid growth in the general economy, the banking industry needs to be modernised and upgraded, and foreign banks can potentially play an important role in that process. This study seeks to enhance knowledge of the performance of foreign banks in Vietnam and to assess their impact on local banks. Specifically, this study focuses on three key research questions: (1) what are the main drivers of foreign and domestic bank performance in Vietnam? (2) does the presence of foreign banks help or hurt domestic banks? (3) does the impact of foreign banks depend on their origin and/or entry form? In order to address these questions, the study employs two main research methods, namely: (a) analytical review and synthesis; and (b) econometric estimation. The latter involves four panel-data estimation techniques (including panel ordinary least squares, fixed effects, random effects, and general method of moments), as well as the use of a set of reasonably consistent data for the 20-year period 1992-2011 that have been compiled from various sources. Where appropriate, analytical review and synthesis is applied to help create a consistent overall picture of the system. These are not trivial exercises, given the highly fragmented nature of the data that are available in the public domain.Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Business School
Griffith Business School
Full Text
16
Tjiane, Nelson Khomotso. "Curatorship of banks as a measure to rescue failing banks". Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/53196.
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The purpose of this study is to explore the current status in relation to the concept of curatorship as
a measure to rescue failing banks. The world as we came to know it has changed the way banking is
done. This dissertation therefore investigates the concept of curatorship of banks in South Africa in
terms of the Banks Act and to determine what influences, if any, does the proposed Twin Peaks
model of Regulation will have on it.
A closer examination of section 69 and 69A of the South African Banks Act is conducted in order to
understand the impact of bank curatorship within the South African context. Not only is an
examination conducted on the Banks Act, but also on the proposed Financial Sector Regulation Bill.
Comparatively this dissertation explores and examines curatorship under Botswana banking law, this
is done on the premise that Botswana like any other global financial players has it fair share of
financial markets challenges. It examines the measures that Botswana may have put in place in order
to assist failing banks through the instrumentality of curatorship, or temporary management as it is
known in Botswana.
There are several pertinent features that are identified to be contributing factors for banks to be
placed under curatorship. These factors include amongst others lack of robust supervision by
regulators, lack of risk and management disclosure by banks, poor management of banks, excessive
lending and failure of a bank s management to conduct the business of banks in a prudent, safe and
sustainable manner.
Internationally this dissertation explores international best practices and measures that are in place
to deal with the concept of curatorship as a measure of rescuing failing banks. This is done on the
understanding that international financial sector is globally integrated but regulated nationally. It is
this concept of interconnectedness of banks that perhaps gave birth to the Basel Core Principles on
responsible banking and its dedicated Basel Committee of Banking Supervisors to ensure the
prudential and liquidity compliance of banks globally. This dissertation explores and examines some
of the elements that are likely to lead to banks being placed under curatorship and identify them as
lack of global regulation and cooperation amongst others. This lack of global regulation and
cooperation are also seen as drivers that poses a risk to global financial markets.
Finally this study acknowledged that bank curatorship does not necessarily translate to prevention of
banks failures but rather as a tool used to ensure that when failure occurs, it is addressed in an
orderly manner so as to cause the least risk to the financial system. This dissertation concludes by
making recommendations which incorporates measures that may be put in place for management
and effective supervision of banks.Mini Dissertation (LLM)--University of Pretoria, 2015.
Mercantile Law
LLM
Unrestricted
17
APPIAH-KONADU, PAUL. "BENCHMARKING THE ESG PERFORMANCE OF GHANAIAN BANKS AGAINST UK BANKS". Doctoral thesis, Università degli studi di Brescia, 2022. http://hdl.handle.net/11379/558938.
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Il concetto di banca sostenibile ha ricevuto grande attenzione in tutto il mondo nel periodo successivo alla crisi finanziaria globale del 2007/2008, come un modo per ridefinire il contributo delle banche al raggiungimento di una società più sostenibile. Inoltre, dopo la pubblicazione degli SDG nel 2015, si è avuta una crescente enfasi sull'attività bancaria basata sul valore attraverso l'integrazione degli obiettivi ambientali, sociali e di governance (ESG). Tuttavia, la letteratura sembra riconoscere un limitato orientamento alla sostenibilità nelle strategie e nelle attività delle banche e delle altre istituzioni finanziarie, soprattutto nei paesi in via di sviluppo come il Ghana. Inoltre, la crisi bancaria del 2017/2018 in Ghana, che ha portato al collasso di diverse banche, indica che il perseguimento aggressivo della massimizzazione dei profitti mediante operazioni bancarie più rischiose non è un'opzione sostenibile. Inoltre, vi è un consenso generale nella letteratura sul fatto che le attività di RSI in Ghana e in altri paesi in via di sviluppo siano svolte in forma isolata dalle politiche e dalle strategie delle società, rendendo difficili il monitoraggio dei progressi verso i risultati globali e l’equo contemperamento delle attese degli stakeholder per un settore bancario più sostenibile.
Per quanto riguarda l’attività di ricerca in relazione alle pratiche bancarie sostenibili in Ghana, gli studi prevalenti sull'argomento hanno utilizzato per lo più approcci descrittivi per analizzare le pratiche di sostenibilità delle banche (con particolare attenzione alle politiche di CSR isolate), senza alcun reale tentativo di misurare empiricamente il livello di integrazione della sostenibilità nelle loro politiche e operazioni di gestione. Pertanto, l’innovatività del presente studio è l'applicazione del modello di audit ESG per quantificare il livello di integrazione della sostenibilità nelle strategie aziendali e nelle attività delle banche in Ghana, utilizzando come benchmark le banche del Regno Unito.
Nel complesso, l'analisi dei dati mostra che le banche britanniche hanno una performance ESG superiore rispetto alle banche ghanesi. In particolare, le banche del Regno Unito hanno un livello più elevato di integrazione delle preoccupazioni ambientali, sociali e di governance nelle politiche e strategie aziendali rispetto alle banche del Ghana. Lo studio mostra inoltre che, mentre le banche del Regno Unito hanno programmi di CSR più completi e ben integrati nelle strategie aziendali per raggiungere obiettivi di sostenibilità specificamente definiti, la CSR nelle banche ghanesi assume principalmente la forma di donazioni e progetti filantropici isolati.
Al fine di colmare il divario di performance ESG tra le banche britanniche e quelle ghanesi, si raccomanda che la Bank of Ghana (BoG) assicuri la rigorosa applicazione dei Principi bancari sostenibili del Ghana (GSBP), lanciati nel 2019 per garantire che le banche ghanesi tengano conto delle questioni ambientali, sociali e di governance sia nelle decisioni di prestito, sia nelle operazioni di gestione. Assume altresì rilievo la collaborazione della BoG con gli stakeholder rilevanti affinché le banche ghanesi istituiscano unità dedicate alla sostenibilità, dotate di risorse adeguate e capaci di guidare l'adozione dei GSBP e degli standard internazionali tesi a rendere il sistema bancario più sostenibile.The concept of sustainable banking has received vast attention around the globe in the period after the global financial crisis of 2007/2008, as a way of redefining the contribution of banks towards the attainment of a more sustainable society. More so, there has been increasing emphasis on value based banking through the integration of Environmental, Social and Governance (ESG) goals in banking after the publication of the SDGs in 2015. However, there is still a general impression in the literature that there is little sense of sustainability among banks and other financial institutions especially in developing countries such as Ghana. Furthermore, the banking crisis of 2017/2018 in Ghana, which led to the collapse of several banks, points to the fact that aggressively pursuing riskier banking transactions with the aim of maximizing bank profits is definitely not a sustainable option. In addition, there is a general consensus in the literature that CSR activities in Ghana and other developing countries are done in isolation from policies and strategies of corporations, making it difficult to track progress for comprehensive results, and to properly address the concerns of all stakeholders for a more sustainable banking sector. With regards to empirical research in sustainable banking practices in Ghana, prevailing studies on the subject have mostly employed descriptive research approaches to analyze sustainability practices (with particular focus on isolated CSR policies) of banks without any real attempt to empirically measure the level of integration of sustainability in their management policies and operations. Hence, the novelty in this study is the application of the ESG audit model to quantify the level of integration of sustainability in the corporate strategies and activities of banks in Ghana, using banks in the UK as a benchmark. Overall, the data analysis shows that banks in UK have a superior ESG performance relative to banks in Ghana. In specifics, the UK banks have a higher level of integration of environmental, social and governance concerns in their corporate policies and strategies relative to the banks in Ghana. The study further shows that, while the UK banks have more comprehensive CSR programs that are well integrated into their corporate strategies to achieve well defined sustainability goals, the CSR program of the Ghanaian banks mostly take the form of isolated philanthropic donations and projects. In order to bridge the ESG performance gap between the UK banks and Ghanaian banks, it is recommended that the Bank of Ghana (BoG) ensures the strict enforcement of the Ghana Sustainable Banking Principles (GSBPs) launched in 2019 to ensure that banks in Ghana strictly factor environmental, social and governance issues in their lending decisions as well as in operations. It is also important that the BoG collaborates with relevant stakeholders to build the capacity of banks in Ghana to set up well-resourced and functional sustainability units to drive the adoption of the GSBPs and relevant international sustainability standards in the quest to cultivate a more sustainable banking sector.
18
APPIAH-KONADU, PAUL. "BENCHMARKING THE ESG PERFORMANCE OF GHANAIAN BANKS AGAINST UK BANKS". Doctoral thesis, Università degli studi di Brescia, 2022. http://hdl.handle.net/11379/558936.
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Il concetto di banca sostenibile ha ricevuto grande attenzione in tutto il mondo nel periodo successivo alla crisi finanziaria globale del 2007/2008, come un modo per ridefinire il contributo delle banche al raggiungimento di una società più sostenibile. Inoltre, dopo la pubblicazione degli SDG nel 2015, si è avuta una crescente enfasi sull'attività bancaria basata sul valore attraverso l'integrazione degli obiettivi ambientali, sociali e di governance (ESG). Tuttavia, la letteratura sembra riconoscere un limitato orientamento alla sostenibilità nelle strategie e nelle attività delle banche e delle altre istituzioni finanziarie, soprattutto nei paesi in via di sviluppo come il Ghana. Inoltre, la crisi bancaria del 2017/2018 in Ghana, che ha portato al collasso di diverse banche, indica che il perseguimento aggressivo della massimizzazione dei profitti mediante operazioni bancarie più rischiose non è un'opzione sostenibile. Inoltre, vi è un consenso generale nella letteratura sul fatto che le attività di RSI in Ghana e in altri paesi in via di sviluppo siano svolte in forma isolata dalle politiche e dalle strategie delle società, rendendo difficili il monitoraggio dei progressi verso i risultati globali e l’equo contemperamento delle attese degli stakeholder per un settore bancario più sostenibile.
Per quanto riguarda l’attività di ricerca in relazione alle pratiche bancarie sostenibili in Ghana, gli studi prevalenti sull'argomento hanno utilizzato per lo più approcci descrittivi per analizzare le pratiche di sostenibilità delle banche (con particolare attenzione alle politiche di CSR isolate), senza alcun reale tentativo di misurare empiricamente il livello di integrazione della sostenibilità nelle loro politiche e operazioni di gestione. Pertanto, l’innovatività del presente studio è l'applicazione del modello di audit ESG per quantificare il livello di integrazione della sostenibilità nelle strategie aziendali e nelle attività delle banche in Ghana, utilizzando come benchmark le banche del Regno Unito.
Nel complesso, l'analisi dei dati mostra che le banche britanniche hanno una performance ESG superiore rispetto alle banche ghanesi. In particolare, le banche del Regno Unito hanno un livello più elevato di integrazione delle preoccupazioni ambientali, sociali e di governance nelle politiche e strategie aziendali rispetto alle banche del Ghana. Lo studio mostra inoltre che, mentre le banche del Regno Unito hanno programmi di CSR più completi e ben integrati nelle strategie aziendali per raggiungere obiettivi di sostenibilità specificamente definiti, la CSR nelle banche ghanesi assume principalmente la forma di donazioni e progetti filantropici isolati.
Al fine di colmare il divario di performance ESG tra le banche britanniche e quelle ghanesi, si raccomanda che la Bank of Ghana (BoG) assicuri la rigorosa applicazione dei Principi bancari sostenibili del Ghana (GSBP), lanciati nel 2019 per garantire che le banche ghanesi tengano conto delle questioni ambientali, sociali e di governance sia nelle decisioni di prestito, sia nelle operazioni di gestione. Assume altresì rilievo la collaborazione della BoG con gli stakeholder rilevanti affinché le banche ghanesi istituiscano unità dedicate alla sostenibilità, dotate di risorse adeguate e capaci di guidare l'adozione dei GSBP e degli standard internazionali tesi a rendere il sistema bancario più sostenibile.The concept of sustainable banking has received vast attention around the globe in the period after the global financial crisis of 2007/2008, as a way of redefining the contribution of banks towards the attainment of a more sustainable society. More so, there has been increasing emphasis on value based banking through the integration of Environmental, Social and Governance (ESG) goals in banking after the publication of the SDGs in 2015. However, there is still a general impression in the literature that there is little sense of sustainability among banks and other financial institutions especially in developing countries such as Ghana. Furthermore, the banking crisis of 2017/2018 in Ghana, which led to the collapse of several banks, points to the fact that aggressively pursuing riskier banking transactions with the aim of maximizing bank profits is definitely not a sustainable option. In addition, there is a general consensus in the literature that CSR activities in Ghana and other developing countries are done in isolation from policies and strategies of corporations, making it difficult to track progress for comprehensive results, and to properly address the concerns of all stakeholders for a more sustainable banking sector. With regards to empirical research in sustainable banking practices in Ghana, prevailing studies on the subject have mostly employed descriptive research approaches to analyze sustainability practices (with particular focus on isolated CSR policies) of banks without any real attempt to empirically measure the level of integration of sustainability in their management policies and operations. Hence, the novelty in this study is the application of the ESG audit model to quantify the level of integration of sustainability in the corporate strategies and activities of banks in Ghana, using banks in the UK as a benchmark. Overall, the data analysis shows that banks in UK have a superior ESG performance relative to banks in Ghana. In specifics, the UK banks have a higher level of integration of environmental, social and governance concerns in their corporate policies and strategies relative to the banks in Ghana. The study further shows that, while the UK banks have more comprehensive CSR programs that are well integrated into their corporate strategies to achieve well defined sustainability goals, the CSR program of the Ghanaian banks mostly take the form of isolated philanthropic donations and projects. In order to bridge the ESG performance gap between the UK banks and Ghanaian banks, it is recommended that the Bank of Ghana (BoG) ensures the strict enforcement of the Ghana Sustainable Banking Principles (GSBPs) launched in 2019 to ensure that banks in Ghana strictly factor environmental, social and governance issues in their lending decisions as well as in operations. It is also important that the BoG collaborates with relevant stakeholders to build the capacity of banks in Ghana to set up well-resourced and functional sustainability units to drive the adoption of the GSBPs and relevant international sustainability standards in the quest to cultivate a more sustainable banking sector.
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Neal, William R. (William Russell). "Characteristics of Texas Border and Non-Border Banks and a Comparison of their Lending Practices". Thesis, University of North Texas, 1994. https://digital.library.unt.edu/ark:/67531/metadc278075/.
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This thesis presents a comparison of the loan to deposit ratios of Texas banks along the Mexican border and banks located throughout the rest of the state. Mean characteristics of the two groups (i.e. border and non-border groups) are presented. A multivariate regression model is used to examine the extent to which various operating ratios of the banks and differing economic conditions of the communities in which the banks are located help explain the loan to deposit ratios of the banks involved in this study. The model incorporates data from 1984-1989. No evidence was found to refute the hypothesis that Texas border banks have a lower loan to deposit ratio than their non-border counterparts. The evidence points to a need for developmental capital, supplied by some form of development bank.
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Moore, Jonathon P. "Restitution from banks". Thesis, University of Oxford, 2000. http://ora.ox.ac.uk/objects/uuid:8c830a99-6046-4f23-b1b5-9ba3bc14812a.
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This study analyses certain controversial issues commonly arising when a claim for restitution is brought against a bank. Chapter 1 considers the equitable claim traditionally labelled ‘knowing receipt’. Three issues are discussed: (i) the basis in principle of the claim for ‘knowing receipt’; (ii) whether the claim requires proof of fault on the part of the recipient; and (iii) whether the claim can be brought in relation to the receipt by a bank of a mortgage or guarantee offered to the bank in breach of trust or fiduciary duty. The conclusions are (i) that ‘knowing receipt’ is often a claim in unjust enrichment, though the dishonest recipient will also be liable for an equitable wrong; (ii) that when the unjust enrichment version of ‘knowing receipt’ is in issue, the claim should be one of strict liability; and (iii) a claim in unjust enrichment can be brought against a bank to defeat its interest in a mortgage or guarantee offered in breach of trust. Chapters 2 to 4 concern a concept within the law of unjust enrichment that has come to be called ministerial receipt. A ministerial receipt is a receipt of money or property by an agent on behalf of his or her principal. Banks often receive money as agents on behalf of account holders. Chapters 2 and 3 analyse that concept as it is dealt with at common law and in equity respectively. At common law, ministerial receipt is a defence which exists only if the agent pays over the money in question before receiving notive of the right of the plaintiff to restitution. By contrast, ministerial receipt in equity operates to restrict a right to restitution which would otherwise arise. A claim for 'knowing receipt' cannot be brought against an agent in equity. Chapter 4 argues that the equitable tratement of agents is correct as a matter of principle, and that no common law claim in unjust enrichment should be maintainable against a person who receives as agent. Special attention is given to banks. Chapter 5 analyses three other defences which a bank can plead in answer to restitutionary claims: 'good consideration', bona fide purchase and set off. It is concluded that there is no general defence of 'good consideration'; that the bank can plead bona fide purchase in relation to money deposited into an account in credit; and that in the context of combining two or more bank accounts set off is merely a species of bona fide purchase.
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Moser, Kahl Rodrigo. "Retailers as Banks". Tesis, Universidad de Chile, 2014. http://www.repositorio.uchile.cl/handle/2250/130367.
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Magíster en Economía AplicadaIngeniero Civil Industrial
Este estudio se orienta a buscar las variables que explican la existencia de firmas de retail ofreciendo productos financieros en el mundo. Durante la última década, se ha prestado particular atención a la relación entre ambos negocios, en particular en Chile, Estados Unidos, y el Reino Unido. Este estudio contribuye a comprender por qué dos segmentos tan distintos como ventas minoristas y servicios financieros son ofrecidos por la misma firma, y qué podría hacer esta estrategia rentable. La hipótesis general es que el ambiente legal, regulatorio y económico explican la ventaja comparativa que los retailers tienen para ofrecer productos financieros, las cuales los llevarían a diversificar a esta línea de negocios en particular. Utilizando una base de sobre 1.200 firmas, abarcando 37 países para el período 2000-2003, este estudio trabajo la relación entre la existencia e importancia del negocio financiero dentro de cada retailer utilizando variables comunes en la literatura, así como otras propias de este estudio, tanto a nivel de firma como a nivel de país. La evidencia sugiere que la regulación financiera es un buen predictor de la existencia de este fenómeno. Adicionalmente, éste es más prevalente en países con mayor desarrollo del sector bancario, y su presencia se asocia a una menor rentabilidad en este sector. Lo anterior sugiere que los retailers actúan como sustitutos de la banca en vez de un complemento. Finalmente, retailers que añaden intermediación financiera a sus líneas de negocio presentan mayores oportunidades de crecimiento, y retailers más grandes le dan más importancia a esta diversificación. Sin embargo, las características particulares del negocio del retail que le generan una ventaja comparativa siguen siendo una interrogante. Probablemente la calidad de información de comportamiento que los retailers son capaces de recolectar y explotar les permiten un mejor conocimiento de sus clientes, así como una mejor gestión de riesgo, más allá de la cobertura de los burós de información comercial y la eficiencia del sistema legal. En este sentido, la oportunidad y actitud de los clientes de adquirir servicios financieros al momento de la decisión de compra puede ser clave. De los resultados empíricos, así como de la evidencia particular de Chile, se puede desprender que en ausencia de una adecuada regulación, el negocio financiero de la industria del retail puede llegar a representar una fracción importante de la industria financiera total, por lo que es recomendable el desarrollo de un marco regulatorio que permita la convivencia de la banca tradicional con instituciones no financieras sin poner en riesgo la estabilidad del sistema, asegurando que la competencia en el mercado del crédito sea beneficiosa desde el punto de vista social, previniendo arbitraje regulatorio y niveles de endeudamiento excesivo.
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Bashchenko, N. O. "Banks’ communication policy". Thesis, Київський національний університет технологій та дизайну, 2019. https://er.knutd.edu.ua/handle/123456789/14397.
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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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Jakobsson, André. "Strategies in Swedish banks: Swish to handle bank transfers and payments". Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-33009.
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Girardone, Claudia. "Analysing the determinants of bank efficiency : the case of Italian banks". Thesis, Bangor University, 2000. https://research.bangor.ac.uk/portal/en/theses/analysing-the-determinants-of-bank-efficiency--the-case-of-italian-banks(ef7f8529-ca0d-4a63-83f5-fe8231c89716).html.
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This thesis investigates the main determinants of Italian banks' cost efficiency over the period 1993-96, by employing a Fourier-flexible stochastic cost frontier in order to measure X-efficiencies and economies of scale. Quality and riskiness of bank outputs are explicitly accounted for in the cost function and their impact on cost efficiency levels are evaluated. The results show that mean X-inefficiencies range between 13 and 15 per cent of total costs and they tend to decrease over time for all bank sizes. Economies of scale appear present and significant, being especially high for popular and credit co-operative banks. Moreover, the inclusion of risk and output quality factors in the cost function seems to reduce the level and significance of the scale economy estimates. The sample is also subjected to a profitability test that allows for the identification of banks that are both cost and profit efficient. The results suggest that the most efficient and profitable institutions are more able to control all aspects of costs, especially labour costs. Finally, the data were pooled to carry out a logistic regression model in order to examine bank- and market-specific factors that influence Italian banks' inefficiency. According to these results, inefficiencies appear to be inversely correlated with capital strength and positively related to the level of non-performing loans in the balance sheet. The analysis also shows that there is no clear relationship between assets size and bank efficiency. Finally, from the results it is possible to infer that quoted banks seem to be on average more efficient than their non-quoted counterparts.
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Simion, Giorgia <1990>. "The Funding of Italian banks: determinants of bank bond yield spread". Master's Degree Thesis, Università Ca' Foscari Venezia, 2014. http://hdl.handle.net/10579/4941.
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After the beginning of the financial crisis bank's funding has become a central topic: access to short and long term resources became challenging even for highly rated banks. In this difficult contest, Italian banks found their major source of funding issuing bonds. In this paper we investigated the determinants of bank bonds yield using a sample data of debt securities issued by Italian banks between 2006 and 2011.
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Zhulmanova, Ainur. "Finanční analýza Evropsko-ruské banky, a.s". Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-193136.
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This thesis deals with the financial analysis of the Evropsko-ruská banka, a. s. The first part of the thesis presents the existing theoretical knowledge of banks' financial analysis. The second part focuses on the application of the theoretical knowledge on the selected bank. The application is based on the implementation of horizontal and vertical analysis of the basic financial statements and calculating financial ratios. For better interpretation of performed financial analysis the activity of Evropsko-ruská banka, a. s. is compared with the one of banking sector.
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Arshad, Rizwan. "Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC". Thesis, Umeå universitet, Företagsekonomi, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-82730.
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The current study aimed at investigating the impact of foreign banks on domestic banks in (Brazil, Russia, India and China) BRIC group of countries during 2001-2011. The importance of this topic is due to instability of financial industry and continuously changing financial markets. Financial liberalization did not only give boom to banking industry but also made it more competitive and unstable. To stay in competition, banks follow risky practices that do not only create problems within financial industry but also become cause of financial crisis. Financial crisis in 2008 is one of the examples of risky practices. Due to the importance of this topic, many researchers conducted studies on it. One of the famous studies on that topic was conducted by Claessens et al in (2001). Their study examined foreign and domestic banks in developing and the developed countries. It was found that foreign banks became the cause of reduction in domestic banks’ income, profit and cost in developing countries. Current study was the extension of Claessens et al (2001) with some amendments. First of all, current study focused on BRIC countries only which are the fastest growing developing countries. Second, this study compared foreign bank’s profitability with domestic bank’s profitability. Whereas, return on assets and return on equity was used as an indicator of profitability. Nearly 1600 bank’s financial data was collected from Bankscope database and Thomason Reuter’s DataStream. The current Study followed a Quantitative research method in order to investigate two research questions; first was the impact of foreign bank’s profitability on domestic bank’s earnings during 2001-2011 and second was foreign and domestic bank’s financial performance during financial crisis. Hierarchical multiple regression in the absence of control variables (foreign bank’s market share, inflation rate, real interest rate and GDP growth rate) explained that foreign banks were positively related with domestic banks in BRIC during 2001-2011. This Study rejected previous research results that foreign banks had negative relation with domestic banks in developing countries. Second result showed that in fast growing developing countries like Brazil, Russia, India and China, domestic banks performed better than foreign banks during financial crisis whereas foreign bank’s profitability had high volatility then domestic banks in financial crisis.
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Thurston, Karen. "Morphological evolution of nearshore sand banks : the Great Yarmouth banks, UK". Thesis, University of East Anglia, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.551252.
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The Great Yarmouth sand banks are a group of nearshore banks in the southern North Sea, off the Norfolk coast in the UK. The banks are highly dynamic and the processes driving their behaviour are not well understood. Bank movements control access to two ports in the region, and the banks are home to a large wind farm. Better understanding of the factors driving bank evolution is a vital first step towards predicting future bank behaviour. Numerical modelling, combining the TELEMAC system for hydrodynamics with an external morphological model, was directed towards understanding the importance of a range of hydrodynamic conditions in the morphological evolution of the banks. Long-term changes are considered through the investigation of two very different system configurations, several decades apart. Medium-term evolution is explored through the modelling of the banks at six-yearly intervals. The model performs well, reproducing key features of bank behaviour. Examination of historical bathymetries shows that the Great Yarmouth bank system takes on two configurations, 'open' and 'closed', which are stable for several decades, interrupted by periods of transition. The model demonstrates that the wide-scale system configurations are self-sustaining, through hydro- and morphodynamic feedback mechanisms, and provides evidence that the transition between system configurations may be linked to high-energy events. The banks build up in fair weather conditions, and storms serve to maintain rather than reduce the banks. Wave direction has a stronger influence than the presence or absence of surges on the magnitude of bed change experienced during a storm. Model outputs and observations demonstrate that the offshore banks in the group (Cross Sands) play an important role in the northward transport of sediment out of the bank system. Transport is likely to occur by two methods: as a flow of sediment from bank to bank, and through the migration of Cross Sands.
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Tam, Pui-sun, i 譚珮璇. "The Bank of China Group in Hong Kong: its changing role and future direction". Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1995. http://hub.hku.hk/bib/B31954480.
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Koivusalo, Anna, i Mouaz Mansour. "Comparison of Performance Between Social and Conventional Banks : An Empirical Study of Banks in Europe". Thesis, Umeå universitet, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-149925.
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Banks as financial institutions play an important role in the lives of people by facilitating the flow of funds and ensuring the stability of the global economy. Recently, the world economy witnessed various financial shocks that escalated into a financial crisis between 2007 and 2009. Moral hazard, scandals, and collapses of financial institutions caused many to lose their trust on the current financial system that emphasizes profit maximization and high risk taking instead of working to keep the economy stable and healthy. This has caused many researchers to search for new alternative ways of managing the financial system, and one such alternative is social banking. Social banks are financial institutions that differ from conventional banks by emphasizing social responsibility values instead of only focusing on profitability. There are several key differences between social and conventional banks, such as differences in asset allocation, the involvement of stakeholders in decision-making, higher levels of transparency, and additional social screening of loan applicants and investment opportunities. The purpose of social banks is to channel funds from socially-minded investors to borrowers with the right motivations. The main purpose of this research paper is to investigate whether social banks differ from conventional banks in terms of their financial performance overall and during the financial crisis. In order to achieve this, we have adopted a quantitative strategy and gathered data from ten social and ten conventional banks from various European countries. We have used several financial ratios to measure their profitability, liquidity, and default risk, and performed linear regression to estimate the coefficients to test whether being social or conventional has an effect on these bank performance measures. The results of our analysis reveal that, while conventional banks were able to achieve higher profitability than social banks both overall and during the financial crisis, social banks managed to maintain better liquidity than conventional banks on both occasions. Our results also reveal that social banks overall had lower risk of default than conventional banks. Based on our results we cannot conclude that the social banking system is inherently better in all aspects than the conventional banking system. We can, however, note that social banks do have certain advantages such as better liquidity, and this suggests that the overall stability of the financial system could potentially be improved by conventional banks adopting some of the more successful practices of social banks, such as more careful screening of loan applicants and investment opportunities.
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Colombi, Ana Paula Fregnani 1984. "Entre a fragmentação e a ação unificada : uma análise da atuação do Sindicato dos Bancários e Financiários de São Paulo, Osasco e região durante os anos 2000". [s.n.], 2014. http://repositorio.unicamp.br/jspui/handle/REPOSIP/286502.
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Orientador: José Dari KreinDissertação (mestrado) - Universidade Estadual de Campinas, Instituto de Economia
Made available in DSpace on 2018-08-24T14:58:49Z (GMT). No. of bitstreams: 1 Colombi_AnaPaulaFregnani_M.pdf: 2955686 bytes, checksum: e19c0e21f1ae7ecb1b95811efcc5f5a2 (MD5) Previous issue date: 2014
Resumo: O objetivo deste trabalho consiste em analisar a atuação do Sindicato dos Bancários e Financiários de São Paulo, Osasco e Região durante os anos 2000 na tentativa de manter sua representatividade perante os trabalhadores e seu reconhecimento diante da sociedade num contexto de profundas mudanças no capitalismo contemporâneo com crescentes desafios à ação coletiva. A dissertação estrutura-se em três momentos: o primeiro visa reconstituir a trajetória da agenda sindical da referida instituição nos diferentes momentos de sua história com o intento de estabelecer um ponto de referência para a análise de sua atuação contemporânea; o segundo enfoca a descrição das atuais mudanças no setor, no conteúdo do trabalho e no perfil da categoria à luz das transformações no capitalismo contemporâneo com o intuito de elucidar os impactos negativos desses processos sobre a capacidade de mobilização coletiva dos bancários; e o terceiro trata da descrição das estratégias adotadas durante os anos 2000 pelo sindicato pesquisado para fazer frente ao cenário de dificuldades imposto à ação coletiva para, por fim, em perspectiva histórica, analisar e dar significação à sua atuação. A pesquisa mostra que a referida instituição logrou levantar as questões consideradas relevantes para a categoria, exercendo sua capacidade de representação dos interesses dos trabalhadores e dialogando com as aspirações dos bancários dentro dos limites colocados pela forma de organização do trabalho, que tende a individualizar e fragmentar os interesses da categoria e dificultar estratégias com sentido universalizante
Abstract: The aim of this research is to analyze the performance of the São Paulo Bank Workers¿ Union during the 2000s, in an attempt to maintain their representativeness and their acceptance in society in a context of deep changes in contemporary capitalism marked by growing challenges to collective action. The dissertation is divided into three parts: the first aims to reconstruct the past trajectory of the São Paulo Bank Workers¿ Union agenda at different times in its history as a way to establish a reference point for the analysis of its contemporary performance; the second focuses on the description of current changes in the banking system, in the profile and tasks of bank workers who have been impacted by the transformation of contemporary capitalism, as a way of highlighting the negative impacts of these processes on the capacity of bank workers to undertake collective mobilizations; and the third describes the strategies adopted during the 2000s by the São Paulo Bank Workers¿ Union as a response to the difficulties in adopting collective actions, as a way of analyzing and giving meaning to their actions in a historical perspective. The research illustrates that the São Paulo Bank Workers¿ Union succeeded in raising issues considered relevant to the profession, exercising its capacity to represent the interests of workers and dialoguing with their aspirations within the limits placed by the new forms of workplace organization that tend to individualize and to fragment the workers' interests, hindering strategies with a more universal scope
Mestrado
Economia Social e do Trabalho
Mestra em Desenvolvimento Econômico
34
Tam, Chiu-han Sandy. "Strategic aspects of information technology in the banking industry in Hong Kong /". Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B18836215.
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Chaney, Shea Turman. "Automation of Dominion Bank's federal reserve bank account". Master's thesis, This resource online, 1992. http://scholar.lib.vt.edu/theses/available/etd-03302010-020230/.
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Ferret, Mas Josep. "Distributive justice, political legitimacy, and independent financial insitutions". Doctoral thesis, Universitat Pompeu Fabra, 2016. http://hdl.handle.net/10803/399031.
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In the present dissertation I present a broad instrumental account of the
legitimacy of independent central banks. I claim that if the right institutional
design is chosen, and it protects democratic participation in several ways and
promotes sorne basic distributional goals of the government, the institution of
central bank independence might be legitimate, and thus the government might
not weaken its own right to rule, or moral authority to crea te enforceable political
obligations, when it delegates control over monetary policy to an independent
agency. I also offer a sufficientarian account of the central bank's duties of
distributive justice, which claims that the concern to insulate monetary policy
from electoral manipulation does not require pursuing only the goal of
eliminating inefficiency. The bank should, in addition, protect and promote the
basic distributional values of the government. I argue that independent central
banks should also protect individuals from unemployment, since monetary
policy has such deep effects on employment, and they should to manage the risks
generated by financia} regulations in ways that avoid jeopardizing the provision
of a social mínimum, a precondition for any legitimate set of basic structural
institutions. Finally, the international aspect of my dissertation explores four
arguments to claim that the asymmetries between the least competitive countries
and their competitors have been exacerbated by the Eurozone and cannot
adequately be dealt with by relying only in intra-state solidarity.En aquesta tesi defensa que la legitimitat de la independencia dels bancs centrals independents pot ser reconeguda per una concepció amplia de l'instrumentalisme. Si el disseny institucional és l'adequat, i protegiex la participació democriitica de diverses formes i promou els valors distributius basics del govern, la institució dels bancs centrals independents pot ser legítima, i per tant el govern no debilita el seu dret a governar, ni la seva autoritat moral per crear obligacions polítiques subjectes de ser executables, quan delega les seves funcions en una agent independent. Així mateU: presento una visió suficientarista dels deures de justicia distributiva del banc central, que sosté que la preocupació per ai"llar la política monetaria de la manipulació electoralista no requereU: perseguir com a únic objectiu la eliminació de la ineficiencia. Els bancs centrals independents han de protegir els individus de l'atur, atesa la influencia de la política monetaria en les polítiques d'ocupació, i han de gestionar els riscos generats per la regulació financera de manera que no impedeixin la provisió d'un mínim social, que és una pre-condició per a la legitimitat de qualsevol conjunt d'institucions basiques estructurals. Finalment, l'aspecte internacional de la tesi explora quatre arguments per justificar que les assimetries entre els pai"sos menys competitius i els seus competidors s'han exacerbat per la creació de l'Eurozona i no poden ser gestionades adequadament si es confia solament amb la solidaritat intra-estatal.
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Lundberg, Martin, i Viktoria Börjesson. "Vilka faktorer påverkar lönsamheten hos banker med skilda ägarstrukturer?" Thesis, Högskolan i Skövde, Institutionen för handel och företagande, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-18777.
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Banker är katalysatorn i det finansiella systemet och har en viktig roll för ekonomins tillväxt och för att människors välfärd ska kunna växa. Att en bank är lönsam är inte av vikt enbart för den enskilda banken, utan för hela samhället i stort. Runt om i världen finns många olika sorters banker, som drivs på olika sätt och har olika ägarkonstellationer. Affärsbanker i Sverige ägs av flera tusentals aktieägare och drivs på en operativ nivå av en utvald VD. På en organisatorisk nivå så utgörs beslutsfattandet istället av en utvald styrelse. I Schweiz finns banker med olika ägarstruktur, där en av associationsformerna är partnerskapsbanker. Dessa bedrivs av partners, ofta väldigt få (8–10 personer) som agerar styrelse, ägare och VD. Det finns tidigare studier som undersökt hur lönsamheten påverkas hos banker, där dessa studier har sett till hur utländskt, statligt och privatägande har påverkat bankernas lönsamhet. Dessa studier uppvisar emellertid motstridiga resultat. Denna studie valt att belysa två extremfall, det vill säga banker med starkt centrerat ägarstruktur (partnerskapsbanker) och banker med extremt spritt ägande (svenska storbanker). Syftet med denna studie har varit att explorativt undersöka om banker med olika ägarstrukturer uppvisar lönsamhetsskillnader och vad dessa beror av. Detta genom en statistisk undersökning där ett antal vedertagna förklaringsvariabler används. En jämförande kvantitativ studie har tillämpats och i studien har tre stycken schweiziska partnerskapsbanker och tre stycken svenska affärsbanker jämförts med varandra samt analyserats under perioden 2014–2018. Den data som insamlats baseras på en nyckeltalsanalys samt en PEST-analys, där interna och externa nyckeltal samlats in. Där den insamlade data sedan har analyserats med konstruerade regressionsmodeller för att undersöka, vilka, eller om några av de utvalda förklaringsvariablerna förklarar lönsamheten. Genom studies resultat kan vi fastställa att lönsamhetskillnader mellan partnerskapsbanker och affärsbanker finns. Emellertid så kan vi konstatera att de förklaringsvariablerna som studien använts sig av inte kan förklara dessa lönsamhetskillnader på lönsamhetsmåtten räntabilitet på totalt kapital och räntabilitet på eget kapital. För att helt kunna undanröja misstanke om att förklaringsvariablerna inte är signifikanta, så krävs ytterligare forskning med en längre tidsperiod. Denna studie har en begränsning i antalet år, där den period som observerats lett till att studien fått färre observationer än önskvärt. Materialet som idag finns att tillgå är begränsat till åren 2014–2018. Detta beror på att de schweiziska partnerskapsbankerna först 2014 började publicera sina årsredovisningar offentligt. Studien sträcker sig till 2018 för att det är det längsta tillgängliga materialet som kan undersökas. Tidigare studier inom området som använder sig av samma förklaringsvariabler som valts i denna studie och dessa uppvisar statistiskt signifikanta värden på de flesta utvalda förklaringsvariablerna, med några undantag. En skillnad, mellan tidigare studier och denna som är av stor betydelse är att värdena baseras på längre tidsperioder alternativt att fler banker har observerats, vilket allt annat lika ger fler observationer. Studiens resultat analyseras sedan utifrån tidigare studier samt principal-agent teorin.Banks could be seen as the catalyst for the financial system and therefore often seen as an important role for the economy's growth and for peoples’ wellbeing. It’s not only important for the bank itself to be profitable, but also for the country as a whole. Around the globe there are quite a large number of different banks, that is run differently and has different types of owner structures. Commercial banks in Sweden are owned by thousands and thousands of owners and are driven on an operative level by a CEO and with an executive board on an organizational level. In Switzerland there is a broad spectrum of different banks and different corporate forms. One of them is partnership banks, these banks have partners (i.e. owners) who work as CEOs’, executive board and owners combined. There are other studies that has analyzed the relationship between bank ownership and profitability. These studies show inconsistent results. This study aims to examine two extreme cases, Swedish banks with a broad ownership base versus swiss banks with a very limited number of owners to illustrate how the ownership affects the profitability. The study aims to examine why these banks exhibit different levels of profitability and if these differences can be explained by a few conventional explanatory variables. To examine these banks the study has done a comparative quantitative study, where three swiss partnership banks has been compared with three Swedish banks during the period 2014-2018. The data that has been gathered is based on a key-figure analysis and a PEST-analysis. The data has then been analysed with constructed regression models to understand, if or to which extent the explanatory variables explains the differences in profitability. The results of this study exhibit that there are differences in profitability between the Swedish and Swiss banks. However, the study can’t establish if most of the chosen explanatory variables are significant. And therefore, the study cannot establish whether or not these variables have an impact on the profitability key-figures return on equity and return on total capital. To be sure if these variables are significant or not, future studies need to examine a longer time period. This study has a shortage of data due to the swiss banks. These banks started to publish annual reports in 2014. It’s worth mentioning that previous studies that have used the same variables have been able to show that these are significant, or at least most of them. This is often due to longer examined time periods or a larger number of banks included in the data. The results of this study have been analysed and compared with previous studies and the agency theory.
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Mawocha, Tineyi Emmanuel. "The disintermediation of commercial banks by non-bank financial institutions in Swaziland". Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/985.
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Thesis (MDF (Development Finance))--University of Stellenbosch, 2009.ENGLISH ABSTRACT: This research is influenced by and starts from the work carried out by the IMF in Swaziland, wherein they comment about the significant growth in the use of savings and credit co-operatives compared with that of commercial banks. They also report the lack of growth of the financial sector resulting in sluggish economic growth. This report sets out to establish through a survey, the attitude of the Swazi public towards commercial banks, and to establish if indeed there is a deliberate move away from commercial banks to non-bank financial institutions in general. In the process the reasons for migrating from commercial banks are established. In addition, the ultimate use of funds borrowed in general, is also investigated. Specifically for those people who use non-bank financial institutions (NBFIs), the research further probes the uses of such funds, and whether or not such funds are likely to affect economic growth. The survey is augmented by results from questionnaires responded to by selected microfinance institutions (MFIs) as a means of cross-checking and validating results obtained from the public survey. Findings are that in Swaziland, while the growth of savings and credit co-operatives (SACCOs) is acknowledged, there does appear to be a tendency to still use commercial banks by the economically active population. Borrowing tends to be for school fees, followed by the purchase of building materials for constructing rural homes on ancestral land, as well as for personal use and business activities. It also appears that the majority of users of financial intermediaries are civil servants, which comes as no surprise as government is the largest employer. The conclusion is that Swaziland’s problems with sluggish economic growth appear to be from more than a shallow financial sector, but a myriad of other reasons that have not been explored in this study.
AFRIKAANSE OPSOMMING: Die navorsing is gebaseer op die uitkoms van die werk uitgevoer deur die Internasionale Monetêre Fonds (IMF) as vertrekpunt, waarin hulle meer beduidende groei in die gebruik van spaar en krediet-kooperatiewe gevind het in vergelyking met die trae groei in die gebruik van kommersiële banke. In dieselfde verslag haal hulle ook aan dat die gebrek aan voldoende groei in die finansiële sektor onderliggend is aan die stadige ekonomiese groei. Hierdie verslag bepaal deur middel van ‘n opname, die gesindheid van die Swazi-publiek teenoor kommersiële banke om vas te stel of daar ‘n opsetlike voorkeur vir nie-finansiële instellings is, bo kommersiële banke. Die studie ondersoek ook die spesifieke gebruik en toepassing van fondse verkry vanaf nie-finansiële kooperatiewe en of die gebruik daarvan ‘n negatiewe impak op ekonomiese groei het. Die uitkoms van hierdie ondersoek word bevestig deur die bevindinge van vraelyste wat deur geselekteerde mikro-finansiële instellings voltooi is, te vergelyk met die bevindinge van publieke opnames. Die bevindinge vir Swaziland is dat alhoewel daar groei is in die spaar-en krediet-kooperatiewe, daar steeds ‘n tendens onder die ekonomies aktiewe populasie is om gebruik te maak van kommersiële banke. Lenings word hoofsaaklik gebruik vir die befondsing van skoolgelde, daarnaas vir die aankoop van boumateriaal vir die konstruksie van landelike huise in voorvaderlike gebiede wat deur stamleiers toegeken word, sowel as vir persoonlike gebruik en besigheidsfinansiering. Dit wil ook voorkom asof die meerderheid van die leners staatsamptenare is. Dit is te verwagte, aangesien die regering die grootste werkgewer is. Die gevolgtrekking van die ondersoek is dat Swaziland se trae ekonomiese groei meer onderliggende beperkende oorsake het as bloot net die oppervlakkige uitwerking van die (kommersiële) finansiële sektor. Hierdie onderliggende redes word nie verder ondersoek as deel van hierdie studie nie.
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Gerdovci, Valon. "Deutsche bank - European banks". Master's thesis, 2019. http://hdl.handle.net/10362/73503.
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40
Hui-FenSu i 蘇慧芬. "Exploring Taiwanese Banks’ Acquisition of Banks in China : A Case Study of Taipei Fubon Bank's Acquisition of Hwai Bank". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/w9yyd8.
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碩士國立成功大學
高階管理碩士在職專班(EMBA)
103
The data collected included bibliographic references and in-depth interviews with executives of both First Sino Bank and Taipei Fubon Bank. The data collection procedures aimed to investigate how Taiwanese Banks dealt with the slow process of getting the approval of establishing a non-branch bank, and how the First Sino Bank opened the opportunities for share reform due to the fact that its major shareholder, Lotus International Bank, wasn’t qualified as a financial and banking institute. According to Regulation on Administration of Foreign Banks, the shareholders of joint venture banks must be qualified commercial banks or financial and banking institutes. The findings showed that the acquisition of banks in China can reduce time and cost of investment in developing market and increase profitability. The study also addressed Taiwanese banks entering Chinese financial market through acquisition. It is hoped that the findings of the study would provide some guidelines on overseas investment for financial and banking institutions in Taiwan.
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Tvarohová, Renata. "Investiční bankovnictví". Master's thesis, 2014. http://www.nusl.cz/ntk/nusl-340576.
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Investment banking is an important constituent of the financial market. As financial institutions, banks have an irreplaceable part in the functioning of the world's economies. Together with fiscal documents and financial markets they constitute the fundaments of the financial system. The financial market is a complicated system of interconnected relations of particular segments of the market, and investment banking is one such part. Its existence makes it possible to shift the savings of financial resources from saving subjects to ones in deficit by means of mediatory activities, which is performed with the help of various kinds of financial instruments, which are called investment instruments. The mediatory function of investment banking is a basic feature which makes a distinction between investment and commercial banking. Investment banks are main mediators that place released resources (savings) into the stock market. As is well known from the inherent laws of economy, the role of investments is crucial for a healthy circulation and functioning of the state economy. Without them the steady economic growth would be impossible. Due to these reasons I decided to analyse investment banking: its development and economic context, as well as the legal basis of these institutions and their activities...
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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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Hsieh, Meng-Cheng, i 謝孟呈. "The study on the bank capital structure adjustments for the domestic banks and foreign banks". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/61580042876156619558.
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碩士逢甲大學
財務金融學系碩士班
104
The study examines the bank capital structure adjustments for domestic banks and foreign banks. The data is extracted from Bankscope, ranging from 2004 to 2014. The sample consists of 334 commercial banks of 8 countries. We extend the partial adjustment model to capture the effect of global capital liquidity and financial regulation conditions. We compare the difference of the speed of adjustment between the foreign banks and domestic banks in the alternative situations. The result shows there is no significant difference in the speeds of capital adjustments between the foreign banks and domestic banks in the whole sample. However, there exists difference in the speeds of capital adjustments between the foreign banks and domestic banks in the sample countries. The result also shows that the globe capital liquidity and financial regulation are important factors for banks to adjust their capital structure. The countries with financial liberalization in our sample, such as Taiwan, Hong Kong, and Japan, the banks with high capital adequacy ratios intend to adjust their capital structures faster than the banks with low capital adequacy ratios.
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Fonseca, Gonçalo Tavares Ferreira Ciravegna da. "Does bank credit risk impact deposit allocation in commercial banks? : the case of US commercial banks". Master's thesis, 2017. http://hdl.handle.net/10400.14/31364.
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In the last years, with the occurence of many financial banking crises worldwide, bank credit risk has been a focus of the market. This thesis aims to analyse whether depositants do care about bank credit risk when they allocate their deposits in commercial banks or not. The literature rarely focuses on this crucial relationship between bank credit risk and deposit demand.
In order to further develop this topic, a demand model was defined and estimated applying the characteristic methodology and using multinomial logit and nested multinomial logit specifications. Many bank observed characteristics were included, such as deposit interest rate, service fees, number of branches, number of employees, bank size and bank credit risk.
Using a sample of US commercial banks between 2009 and 2015, findings suggest that depositors react to deposit interest rates and bank size in a positive and statistically significant way when choosing a bank. In addition to that, consumers do care about banks geographic diversification, but they do not consider bank credit risk in a statistically significant way, when deciding their deposits allocation.Nos últimos anos, com a ocorrência de várias crises bancárias por todo o mundo, o risco de crédito dos bancos tornou-se um foco para o mercado. Este Trabalho Final de Mestrado tem como objetivo analisar se os depositantes têm em consideração o risco de crédito dos bancos quando decidem alocar os seus depósitos. De facto, este tópico raramente é o foco da análise de pesquisas no setor bancário, que apresentam poucas conclusões neste âmbito. Com vista ao desenvolvimento deste trabalho, um modelo de procura de depósitos foi definido e estimado, aplicando a metodologia das características e especificações multinomial logit e nested multinomial logit. Várias características observáveis dos bancos foram incluídas na nossa análise, como por exemplo a taxa de juro de depósitos, comissões de serviço, número de balcões, número de empregados, tamanho do banco e risco de crédito. Tendo por base a análise de bancos comerciais americanos entre os anos 2009 e 2015, as conclusões sugerem que os depositantes reagem à taxa de juro dos depósitos e ao tamanho do banco de uma forma positiva e estatisticamente significativa. Para além disso, os depositantes também têm em consideração a diversificação geográfica dos bancos, mas não reagem ao risco de crédito de uma forma estatisticamente significativa, no momento de alocar os seus depósitos.
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Shiang, Sz-Ying, i 向思穎. "The Effects of Commercial Banks’ Engagement in Non-Bank Activities on Banks’ Performance - Evidence From China". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/77627001767594080856.
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碩士國立臺灣大學
財務金融學研究所
100
This paper studies whether Chinese banks engaging in non-bank activities can improve banks’ performance. We conduct an empirical study of banks’ expansion into securities using 16 listing commercial banks’ data from 2006 to 2009. By using three existing models of commercial banks engaging in non-bank activities in China: the financial holding companies, banks with securities subsidiaries, and banks with securities department, we examine the impact of different models on banks’ profits. The result shows that only financial holding company model has positive effect on banks’ ROA. In recent years China banks actively move toward participation in other financial service, and our study shows that the financial holding company model seems to be a feasible way in China. The result shows that only financial holding company model has positive effect on banks’ ROA. In recent years China banks actively move toward participation in other financial service, and our study shows that the financial holding company model seems to be a feasible way 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.
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Mykhayliv, Dariya. "The Economic Efficiency and Profitability of Social Banks". 2016. http://hdl.handle.net/10454/11236.
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YesThe financial crisis of 2008 provides evidence for the instability of the conventional banking system. Social banks may present a viable alternative for conventional banks. This paper analyzes the performance of social banks related to the bank business model, economic efficiency, asset quality and stability by comparing social banks with banks where the difference is likely to be large, namely with the 30 global systemically important banks (G-SIBs) of the Financial Stability Board over the period 2000-2014. We also analyze the relative impact of the global financial crises on the bank performance. The performance of social banks and G-SIBs is surprisingly similar.
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Mykhayliv, Dariya, i K. G. Zauner. "The Financial and Economic Performance of Social Banks". 2016. http://hdl.handle.net/10454/11242.
Pełny tekst źródłaStreszczenie:
The financial crisis of 2008 provides evidence for the instability of the conventional banking system. Social banks may present a viable alternative for conventional banks. This paper analyzes the performance of social banks related to the bank business model, economic efficiency, asset quality and stability by comparing social banks with banks where the difference is likely to be large, namely with the 30 global systemically important banks (G-SIBs) of the Financial Stability Board over the period 2000-2014. We also analyze the relative impact of the global financial crises on the bank performance. The performance of social banks and G-SIBs is surprisingly similar.
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Mykhayliv, Dariya, i K. G. Zauner. "The financial and economic performance of social banks". 2018. http://hdl.handle.net/10454/16203.
Pełny tekst źródłaStreszczenie:
YesThe financial crisis of 2008 provides evidence for the instability of the conventional banking system. Social banks may present a viable alternative for conventional banks. This article analyses the performance of social banks related to the bank business model, economic efficiency, asset quality, and stability by comparing social banks with banks where the difference is likely to be large, namely with the 30 global systemically important banks (G-SIBs) of the Financial Stability Board over the period 2000–2014. We also analyse the relative impact of the global financial crisis on the bank performance. The performance of social banks and G-SIBs is surprisingly similar.
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MING, KUO TUNG, i 郭東明. "Performance Assessment-DEA Holding bank subsidiaries and independent banks". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/32372575410115238883.
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碩士輔仁大學
金融與國際企業學系金融碩士在職專班
102
Our government developed the internationalized and diversified banking system aggressively by repealing the limit of interest rate and currency rate, and on the other hand, it allowed establishing new banks, which lead to intense competition and the increase of non-performing loans. Therefore, after modifying the laws of banking, this promoted some new holding corporations. They need to confront the challenge to international banking organizations with centralized equity, diversified management, transparent supervision, and huge organization; furthermore, they have to provide the service of one-stop shopping for consumers as well. However, as for if the holding bank could reduce the cost and raise the management effects by reaching the scale of economics, raising the share of market, or integrating all effective property in-house to dispose properly, this research will go through this main issue in details. In this research it will measure the effects of domestic holding bank subsidiaries and independent bank by Data Envolopment Analysis (DEA), comparing within 25 domestic banks from 2010 to 2012 and do the analysis. It derives the conclusion as following: 1.The independent bank is more efficient than holding bank subsidiaries. 2.Both of the holding bank and independent bank show a situation of over-commitment. To avoid this problem, they should raise the ratio of output or reduce the ratio of input. 3.The bank for the most references is CT Bank, applying that every performance of Ct Bank is worthy of learning by the holding bank and independent bank.