Artykuły w czasopismach na temat „Branch banks”
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Samudra, Azhari Aziz, Veithzal Rival Zainal, Eryus Amran Koto, Aziz Hakim, Ainun Nazriah i Iwan Kurniawan Subagja. "Branch Leadership Optimization Performance in Improving The Performance of Government Banks In West Java". Archives of Business Research 7, nr 9 (10.09.2019): 5–18. http://dx.doi.org/10.14738/abr.79.7029.
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As part of finance, every bank, mostly from the government, has an important role in supporting the country's economic recovery from the crisis. The facts show that bank branches are the spearhead of bank operations which are very important in achieving bank goals. That is why every bank branch manager plays an important role in the overall success of the bank's business. The purpose of this study is to analyze several factors that support the optimization of the performance of branch managers of government banks. The results showed that the work of branch managers of state-owned banks affected the performance of Government Banks in West Java.
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Hauck, Warren C. "Productivity improvement at branch banks". National Productivity Review 6, nr 3 (1987): 243–49. http://dx.doi.org/10.1002/npr.4040060306.
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Mahayana, I. Made Pradityarjuna Mahatmyam, i Dony Abdul Chalid. "The Effect of Market Power on Bank’s Net Interest Margin: The Moderating Role of Financial Access". Journal of International Conference Proceedings 4, nr 1 (22.07.2021): 129–39. http://dx.doi.org/10.32535/jicp.v4i1.1134.
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The research focuses on determining the effect of commercial bank’s market power on net interest margin and the moderating role of financial access. The study uses annual data of 33 commercial banks in Indonesia from 2012 to 2019 based on the category of State-Owned Commercial Banks and National Private Commercial Banks. The data is obtained from secondary data, using financial reports published by commercial banks. The data is analyzed using moderated regression analysis to estimate two models, basic model is used to estimate the effect of market power on net interest margin, while the interaction model is used to estimate the moderating effect of financial access. Market power was measured using the Lerner index of each bank. Financial access was measured by the number of branches and the availability of electronic banking channels such as mobile banking, internet banking, and digital branch. The results show that the increase in commercial bank’s market power significantly increases net interest margin. Other results also show that branch and mobile banking & internet banking significantly moderate the effect of market power on the net interest margin, while the digital branch is not significantly moderating the relationship between market power and net interest margin.
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Hadijah, Hady Siti. "Knowledge Management, Intellectual Capital, And Performance Of Branch Office Of State-Owned Banks". Jurnal Manajemen 22, nr 3 (24.10.2018): 310. http://dx.doi.org/10.24912/jm.v22i3.424.
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The goal of this research is to determineif intellectual capital could mediate the influence of knowledge management on the branch performance offices of state-owned banks. If we compare to the ASEAN banks, the performance of state-owned banks is weak, especially in the case of operational cost efficiency depressing the potential for large profits. The low level of performance cannotbeseparatedfrom of the low performance of branch offices. BI's expectation as stipulated in the BI Regulation of 2010 is that the banking sector should perform the maximum role of branch offices because if the management of branch offices understandknow more than head officedoes.The improvement in knowledge management should be made by state-owned banks at branch offices.Beside, it is necessary that aggregation of all knowledge and employee competence that allows companies to gain competitive advantage. In my research, the method of research used is explanatory survey. Structural Equation Modeling (SEM) using LISREL was chosen to test the hypothesis.152 pieces of sample were taken from the whole state-owned banksoffices in West Java. The focus of the assessment is the branch officees of state-owned banks located in the region of West Java because the industry's contribution in the region to GRDP is relatively large. My research concluded that the effect of Knowledge Management on Intellectual Capital was significant. The effect of Knowledge Management and Intellectual Capital on the performance of each Branch Office is significant. In this case intellectual capital played a role in mediating the effect of Knowledge Management to the Branch performance Offices of state-owned banks in West Java. The Branch offices conducting knowledge management continuously resulted the good intellectual capital, which would strengthen the role of knowledge management in improving the branch performance.
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Harimaya, Kozo, i Kazumine Kondo. "Effects of branch expansion on bank efficiency: evidence from Japanese regional banks". Managerial Finance 42, nr 2 (8.02.2016): 82–94. http://dx.doi.org/10.1108/mf-11-2014-0278.
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Purpose – The purpose of this paper is to examine whether branch expansions have realized efficiency gains by focussing on regional banks in Japan. Design/methodology/approach – The authors use a single-step estimation procedure, where both cost frontier parameters and inefficiency effects are addressed simultaneously, and examine the impact of expanding branch networks on bank performance. Findings – The findings show that regional banks expanding their branch networks to certain levels exhibit lower cost inefficiencies. Robustness results are also obtained from the samples, excluding the regional banks located in urban regions. Originality/value – The findings suggest that adequate levels of branch expansion have beneficial impacts for regional banks, although this result is contrary to the current region-based relationship banking policy promoted by Japan’s financial regulators.
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Vadrale, Kavita S., i V. P. Katti. "Branch Productivity of Selected Indian Public and Private Sector Banks". Contemporary Social Sciences 27, nr 4 (1.10.2018): 135–46. http://dx.doi.org/10.29070/27/58315.
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Barat, Somjit, i John E. Spillan. "An Exploratory Study of Customer Satisfaction in a Community Bank". International Journal of Customer Relationship Marketing and Management 3, nr 3 (lipiec 2012): 15–32. http://dx.doi.org/10.4018/jcrmm.2012070102.
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In a competitive business environment, delivering high level of customer service is critical. Investigating this aspect further, this paper focuses on the physical and service attributes of consumer satisfaction in the banking business, and takes a fresh look at how community banks can compete with larger banks in niche service areas. The goal of the authors’ research is to find out whether the customers 1) were satisfied with every visit to the branch; 2) felt welcome when they came to the branch; 3.) considered the bank’s products substantial for their needs; 4) were satisfied with the image of the bank and 5) had any concerns about their bank deposits and about the bank’s (financial) position during difficult economic times. The findings indicate that customer responses are mixed on these issues, which make the banking industry strive to improve the service offerings. Interesting implications and ideas for further research also emanate from the current study.
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Davis, SG, GB Kleindorfer, ET Reutzel i GA Kochenberger. "Processing center location analysis for multiple branch banks". Omega 17, nr 2 (styczeń 1989): 169–75. http://dx.doi.org/10.1016/0305-0483(89)90008-x.
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Yuksel, Serhat, i Sinemis Zengin. "A Comparison of the Views of Internal Controllers/Auditors and Branch/Call Center Personnel of the Banks for Operational Risk". International Journal of Finance & Banking Studies (2147-4486) 5, nr 4 (21.07.2016): 10–29. http://dx.doi.org/10.20525/ijfbs.v5i4.568.
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The aim of this paper is to compare the views of internal controllers/auditors and branch/call center personnel of the banks with respect to the operational risk. Within this scope, we made two different surveys to the personnel in Turkish banks in order to achieve this objective. The first survey was conducted by 310 branch and call center personnel whereas 151 personnel in internal control and audit departments of the banks carried out the second survey. The major finding in this study is that there is a difference in the views of these two groups regarding the evaluation of operational risk. In general, internal controllers/auditors look at the operational risk more negatively than branch/call center personnel. The personnel who control and audit operations in the bank think that operational risk knowledge level of branch/call center personnel is less sufficient, operational risk levels are higher, the controls to avoid this risk are less efficient than branch/call center personnel consider.
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Ben-David, Itzhak, Ajay Palvia i Chester Spatt. "Banks’ Internal Capital Markets and Deposit Rates". Journal of Financial and Quantitative Analysis 52, nr 5 (październik 2017): 1797–826. http://dx.doi.org/10.1017/s0022109017000606.
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It is commonly believed that deposit rates are determined primarily by supply: Depositors require higher deposit rates from risky banks, thereby creating market discipline. An alternative perspective is that market discipline is limited (e.g., due to deposit insurance and/or enhanced capital regulation) and that internal demand for funding by banks determines rates. Using branch-level deposit rate data, we find little evidence for market discipline as rates are similar across bank capitalization levels. In contrast, banks’ loan growth has a causal effect on deposit rates; for example, branches’ deposit rates are correlated with loan growth in other states in which their bank has some presence, suggesting internal capital markets help reallocate the bank’s funding.
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Gibilaro, Lucia, i Gianluca Mattarocci. "Cross-border banking and foreign branch regulation in Europe". Journal of Financial Regulation and Compliance 29, nr 3 (13.05.2021): 280–96. http://dx.doi.org/10.1108/jfrc-08-2020-0072.
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Purpose This paper aims to examine the relevance of cross-border activity in the European banking sector, evaluating the role of differences in regulation to explain the level of interest in entering foreign markets. Design/methodology/approach The sample considers all banks in the European Union (EU 28) existing at year-end 2017, and information about the ultimate owners’ nationality to classify local and foreign banks is collected. The analysis provides a mapping of regulatory restrictions for foreign banks and evaluates how they impact the role of foreign players in the deposit and lending markets. Findings Results show that the lower are the capital adequacy requirements, the higher are the amounts of loans and deposits offered by non-European Economic Area banks and, additionally, the higher the probability of having a foreign bank operating in the country. Originality/value This paper provides new evidence on regulatory arbitrage opportunities in the EU and outlines differences among EU countries not previously studied.
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CHEN, Chien-Hsun. "Foreign Banks in China". East Asian Policy 06, nr 02 (kwiecień 2014): 86–98. http://dx.doi.org/10.1142/s179393051400018x.
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As Chinese government policy has evolved, so have the models adopted by foreign banks for developing their branch networks in China. Burdensome regulation and unequal treatment compared to those for Chinese banks have impeded the speed and scope of foreign banks' operation. China's deepening financial reforms could provide a fair and competitive environment for foreign banks' penetration, offering openings for foreign banks to participate more extensively in the Chinese economy.
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Manandhar, Raju Bhai. "Fund Transfer Pricing: An Empirical Evidence from Nepalese Commercial Banks". Nepal Journal of Multidisciplinary Research 5, nr 3 (10.10.2022): 119–26. http://dx.doi.org/10.3126/njmr.v5i3.48827.
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Funds Transfer Pricing (FTP) is considered the most potent and valuable component of any profitability measurement system for financial institutions. It is a process that assigns funding costs to asset originators (loans) and funding credits to liability providers (deposits). The study's objective was to measure the awareness and collect opinions regarding FTP practice in Nepal based on a survey of the opinions of branch managers of Nepalese Commercial Banks. The study followed a descriptive research design. All branch managers of Nepalese commercial banks were considered population, of which 40 branch managers were sampled using the purposive sampling technique. The branch managers were interviewed through personal meetings and telephone using structured open-ended questions to have information regarding the attitude of practitioners on the FTP system. Data has been analyzed based on one-to-one interviews. The study reveals that only 25 branch managers were found to have enough awareness of the FTP system. Thus, further study was focused on 25 branch managers. Negative responses were found regarding the possibility of an independent negotiated FTP system among branches. In conclusion, the practice of advanced FTP systems results in higher productivity among branches, so Nepalese managers should reasonably know about the FTP system.
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Uppal, R. K. "Global Crisis: Problems and Prospects for Indian Banking Industry". Journal of Economics and Behavioral Studies 2, nr 4 (15.04.2011): 171–76. http://dx.doi.org/10.22610/jebs.v2i4.234.
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The present paper analyses the efficiency of all the bank groups in the post- banking sector reforms era. Time period of the study is related to second post-banking sector reforms (1999-2000 to 2005-06). This period has been chosen taking into consideration the following factors; On the basis of some parameters of efficiency i.e. profitability per employee, per branch, business per employee, per branch and expenses per employee and per branch, the paper concludes that efficiency of all the bank groups has increased in the second post-banking reforms period but these banking sector reforms are more beneficial for new private sector banks and foreign banks. At the end, paper suggests some measures for the improvement of efficiency of Indian nationalized banks.
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Hendrickson, Jill M., Mark W. Nichols i Daniel R. Fairchild. "Bank branch location and stability during distress". Journal of Financial Economic Policy 6, nr 2 (6.05.2014): 133–51. http://dx.doi.org/10.1108/jfep-07-2013-0026.
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Purpose – The purpose of this paper is to examine the impact of bank branch location on the likelihood of bank failure during the most recent financial crisis. Design/methodology/approach – This paper estimates the probit regression to identify the causes of bank failures and attempts to determine the role of branch location in bank performance. Findings – Using data from failed and surviving banks in Georgia and Florida, this paper finds that diversifying the balance sheet and operating in more competitive markets reduced failure rates, but branching intensity, measured by number of branches and distance of branches from the home office did not significantly reduce the probability of failure. This suggests that, at least in today ' s market, it is not important to bank stability to have a branching network a significant distance from the home office. Originality/value – This paper carefully considers the role of branch location in the likelihood of bank failure during financial distress. As such, it contributes to the historical policy debate regarding regulation prohibiting or minimizing banks ' ability to branch. It also contributes to our understanding of how banks structure their branching networks in the contemporary banking environment.
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SARISAKALOGLU, Gazi, i Mustafa BILGIN. "Analyzing the Impacts of Restructuring on the Turkish State-Owned Banks". Journal of Economic Development, Environment and People 6, nr 4 (23.12.2017): 41. http://dx.doi.org/10.26458/jedep.v6i4.564.
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The subject of this research is to compare the performance based on determined criteria of the state owned banks in Turkey before 10 years and after 14 years from 2001 the date they were included in a restructure program. The t-test method is used in the study. According to the results of the analysis, it was concluded that the most successful state-owned bank was Halkbank with a small margin in front of Ziraat Bank after the year that the restructuring program was implemented. Ziraat Bank, as well as having the second most positive development of public banks in terms of analysis ratios, it has almost equal proportions with Halkbank in terms of asset quality and branch ratios. Halkbank is ranked first as usual in terms of branch ratios. All state owned banks are subject to the close rates for branch ratios. When evaluating the performance of public banks in general over a total of 36 criteria, they showed positive development for 26 criteria. That means after the restructuring program that we called 2nd period in the study public banks became more successful based on established criteria.
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Hwang, Dar-Yeh, Alice C. Lee, Chi-Chun Liu i Lishu Ouyang. "Balanced Performance Index and Its Implications: Evidence from Taiwan's Commercial Banks". Review of Pacific Basin Financial Markets and Policies 12, nr 01 (marzec 2009): 27–62. http://dx.doi.org/10.1142/s0219091509001538.
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Taking into account only financial factors does not provide complete information on performance. This paper takes into consideration of both financial and non-financial performances when evaluating 35 sampled publicly traded commercial banks in Taiwan. The performance of banks is measured using an indexing method consisting of financial and non-financial measures. Banks are classified into two categories according either to the year founded, or to the type of major stockholders of a bank when founded. The results show that privatized government-owned/old banks are larger than private/new banks, respectively. Moreover, privatized government-owned banks have significantly higher financial performance index than private banks but both types of banks are not significantly different from each other in non-financial performance index. New and old banks are not significantly different from each other in both financial and non-financial performance indexes. With relatively large scale, higher profitability and better management, banks will perform relatively better among competitors in the following year. Furthermore, non-financial factors are important predictors of future financial and total performance indexes, though individual factor may not be consistently significant. More branch offices, better capital structure and solvency, and higher rates of growth in deposits and loans all result in more profits, and lead to higher customer satisfaction and more efficient management. Providing better technology to customers is an efficient way in promoting customer services, which in turn produces more profits and results in efficient management. CEOs, on average, have plans for better management and more profits. Among the factors that have direct and positive impacts on profitability, increasing the efficiency of management is the most efficient way. On the contrary, adding more branch offices contributes the least profits. Therefore, to increase bank profits, CEOs should aim to improve bank management, capital structure and solvency, rather than to add more branch offices.
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Heard, Christopher, Flavio M. Menezes i Alicia N. Rambaldi. "The dynamics of bank location decisions in Australia". Australian Journal of Management 43, nr 2 (6.09.2017): 241–62. http://dx.doi.org/10.1177/0312896217717572.
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This article exploits a large panel to study trends in, and determinants of, the decisions made by the four largest Australian banks about whether to establish or maintain branch- and automated teller machine (ATM)-level presence in a local market between 2002 and 2013. These decisions are potentially important for competition in local banking markets. Our analysis suggests that past presence is the most important factor for explaining current presence in a particular local market. Moreover, we present evidence that the four largest banks co-locate branches. The relationship between the location of other (smaller) banks and the location of the four largest banks is less clear; there is some limited evidence that this relationship is negative for two of the four largest banks. Our results also suggest that the four largest banks displayed changed behaviour in terms of their branch location decisions after the global financial crisis and that the changes differed between banks. Our analysis of ATM location decisions reveals that the four largest banks follow different strategies. These results suggest that Australian banks did not shy away from this limited form of competition, either before or after the global financial crisis (GFC). JEL Classification: C23, D43, G21, L13
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Mainata, Dedy. "Faktor-Faktor yang Mempengaruhi Performa Automatic Teller Machine (ATM) pada Bank Syariah Mandiri Cabang Tenggarong Seberang". Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan 3, nr 2 (27.12.2019): 259. http://dx.doi.org/10.35931/aq.v3i2.167.
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Automatic Teller Machine (ATM) is a machine that can serve the needs of customers automatically at any time (24 hours) and 7 days a week including holidays. Location ATMs in strategic places. Efforts to improve the bank's fee-based income (FBI) also reflected the addition of machines ATM as one source of FBI of banks. Problems often seen on ATM in Islamic banks is service excellent. ATM location selection is one of the things that can affect the performance of the ATM. ATM placements in strategic locations that do not will have an impact on the quantity of the ATM transactions.
The purpose of this study to find out what are the factors that affect the performance of ATM and the dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang. This type of research is descriptive qualitative research sample is purposive sampling.
Factors affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is a potential FBI, service excellent and marketing strategies.
The dominant factor affecting the performance of ATM at the Bank Syariah Mandiri branch Tenggarong Seberang is service excellent. Tenggarong Seberang local community character is not so concerned related to cleanliness and speed of service. The most important thing is the availability of money at an ATM, however cleanliness, convenience and speed of transaction is part of the services should still be maintained BSM Tenggarong Seberang branch.
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Shrestha, Indira. "Is There a Glass Ceiling in Nepalese Commercial Banks?" International Journal of Scientific Research and Management 11, nr 02 (27.02.2023): 4641–49. http://dx.doi.org/10.18535/ijsrm/v11i02.em12.
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This paper aims to ascertain whether there are glass ceilings in Nepalese commercial banks. All of the female branch managers employed by Nepalese commercial banks made up the study's population. 144 women branch managers from commercial banks were taken as the sample size. The sample was drawn from the population using simple random sampling. Information from respondents was gathered through the use of a standardized questionnaire. The survey's questions were based on questions that were derived from (Bergman & Hallberg, 2000). With the aid of statistical techniques like percentage and frequency, a descriptive research approach was used. The glass ceiling variables that could impact women's career growth were corporate culture, corporate climate, and corporate practice. The findings showed that women generally had favorable perceptions of the glass ceiling factors (corporate culture, corporate climate, and corporate practices) that contribute to the presence of the glass ceiling. limitation of the study is that only female branch managers were included in the sample. The implications and scope for the future researcher are also covered.
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UTAMI, ISTIQLALIYAH TRI, i MUHAMMAD TAUFIQ. "ANALISIS YURIDIS KASUS PEMBOBOLAN REKENING PADA BANK MANDIRI". JURNAL ILMIAH LIVING LAW 10, nr 1 (30.01.2018): 58. http://dx.doi.org/10.30997/jill.v10i1.1493.
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The identifications of this research are: 1) How did the customer's account break into the Depok Branch of Bank Mandiri ?; 2) What is the bank's responsibility towards the customer who is a victim of a Bank Mandiri Depok branch burglary? The research method used in this study is a normative juridical approach, namely law is conceived as a norm, rule, principle or dogmas / jurisprudence. The results of this study are: The form of corporate responsibility according to the law in an effort to provide protection for customers who have suffered losses on funds in their accounts can be done in non-litigation and litigation. Non-litigation reports to Indonesian banking mediation institutions, while litigation is through the court. Suggestions for this research, namely: 1) There needs to be a guarantee that means for customers who have entrusted their funds to banks; 2) The government must pay more attention to the activities of banks, especially for Bank Indonesia as a supervisor and supervisor of banking activities so that in this case the bank is more responsible.
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Muchlis, Saiful, i Husain Soleh Utomo. "KAJIAN PENDAPATAN NON HALAL DAN DAMPAK PENGGUNAANNYA TERHADAP REPUTASI DAN KEPERCAYAAN NASABAH PERBANKAN SYARIAH". JRAK: Jurnal Riset Akuntansi dan Komputerisasi Akuntansi 9, nr 1 (19.02.2018): 75–101. http://dx.doi.org/10.33558/jrak.v9i1.1363.
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This study aims to determine the form of non-halal income and the impact on reputation and customer trust that is found in sharia banking, especially in PT Bank Muamalat Indonesia Makassar branch. This study used qualitative method based on interpretive paradigm with case study approach, to explain the phenomena that occur in the social scope or the scope of the company. Interview and financial statement analysis is used to gather data. The results of this study indicate that the non-halal income in PT Bank Muamalat Indonesia, Makassar Branch is from interest revenue of deposit in the other banks, and it’s derived to the declining of customer trust, then it can affect to the Bank’s reputation.
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Prasetya, Ahmad Arif, Utpala Rani i Siti Afidatul Khotijah. "ANALYSIS OF THE FACTORS CAUSING PROBLEMATIC FINANCING AT BANK SYARIAH INDONESIA MAGELANG SINGOSARI SUB-BRANCH OFFICE". CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE 2, nr 1 (16.12.2022): 234–43. http://dx.doi.org/10.55047/cashflow.v2i1.471.
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Indonesian Islamic banks are banks in Indonesia engaged in Islamic banking in financial institutions that meet the public's needs for financing transactions. Bank Syariah Indonesia Magelang Singosari Sub-Branch Office is having problems with financing. Factors that cause problematic financing come from internal factors and external factors. This research aims to find out what factors cause problematic funding at Indonesian Sharia banks, the Magelang Singosari Sub-Branch Office and to find out how to deal with ineffective financing at the Indonesian Sharia Bank, the Magelang Singosari Sub-Branch Office. This research method uses qualitative data types. The data in this study were collected and organized, and sorted in a certain pattern so that the data is determined and sorted according to the research discussion. The causes of unfavorable financial conditions are internal factors and external factors at Bank Syariah Indonesia Sub-Branch Office Magelang Singosari, internal factors the bank does not delve into in the analysis of prospective customers, external factors in particular 1) the possibility that the customer wants to pay before maturity but cannot pay it off due to a disaster the customer does not have the income to pay for the financing that is due 2) the intentional factor of the customer intentionally delaying payment of funds that are due.
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Zuhair Al-abedallat, Abedalfattah, Ali Bakhit Jaafreh i Duraid Kamel Alshbib. "The Automation Of Robotic Processes In Jordanian Banks: Obstacles And Applications". European Scientific Journal, ESJ 17, nr 21 (30.06.2021): 350. http://dx.doi.org/10.19044/esj.2021.v17n21p350.
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Abstract This paper focuses on identifying the impact of technical and financial obstacles to the applications and expansion of the smart branches of banks in Jordan. This, however, depends on the Automation of Robotic Processes to identify the reality of applying smart branches in the world, including Jordan. The study employed a sample of 100 employees selected in an equal random manner from 25 Jordanian banks. With its spreading strands, multiple linear regression was used to test the hypotheses of the study. The study concluded that the expansion of banks of smart branches (robots) contributes to reducing operational cost and increasing the bank's profits by reducing the cost of banking service, enhancing its quality, increasing the market share of banks, and reducing the technical and financial obstacles that have a significant impact on the expansion of the smart branches of banks. The study recommended the importance of the development of smart branches of banks in Jordan due to its benefits in reducing the costs of the provided banking service. This contributes to increasing its profits. Also, banks should hold specialized training courses for bank workers on how to use the new technology. Banks should also allocate funds needed to create the essential infrastructure for the smart branch Applications of Artificial Intelligence, as this has an impact in achieving competitive advantage.
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Rossini, Christine. "Cross-Border banking in the EC: Host Country powers under the Second Banking Directive". European Review of Private Law 3, Issue 4 (1.12.1995): 571–90. http://dx.doi.org/10.54648/erpl1995043.
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Abstract. The Second Banking Directive revolutionised the banking industry of Europe by setting new standards under which banks of all Member States could branch into any other Member State. By requiring that the host State recognise home country licensing and supervision of the bank, it enables banks to branch across borders bringing their legal environment with them. However, the Directive reserved certain powers for the host State, the most unsettling of which is the power to apply its own law to the branch when it considers this to be in the “general good” – unsettling because it is not clear how the provision will be interpreted. This article examines four national laws to consider whether their application to a branch bankin that territory should be permitted under the general good clause of the Directive, and it develops a concept by which this consideration may be made. Various preliminary issues are treated, in particular, which country is the home country of a bank, and when is a bank a branch deserving of mutual recognition under the Directive.
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Gautam, Chintamani. "An Opinion Survey on FTP System among Branch Managers of Commercial Banks of Nepal". PYC Nepal Journal of Management 9, nr 1 (31.08.2016): 44–59. http://dx.doi.org/10.3126/pycnjm.v9i1.41122.
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Funds Transfer Pricing (FTP) is a process that assigns funding costs to asset originators (loans) and funding credits to liability providers (deposits). It is one of the powerful and useful components of any profitability measurement system for financial institutions. This study aimed to survey the opinions of branch managers of Nepalese Commercial Banks in order to measure the awareness about FTP and to collect opinions regarding its practice in Nepal. A total of 140 branch managers were approached for the data collection. Out of them only 88 branch managers were found having awareness on FTP system. Therefore, detail analysis was made on the basis of responses of only 88 respondents. The survey revealed that Nepalese branch managers agree on the advantages of FTP system in bank branches, but they lacked enough skill of FTP system. The awareness of branch managers is depended more on their work experience than on job level of managers.
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Khalil Shami, Majed. "Relationship between financial performances and marketing practices in the banking sector of Jordan". Banks and Bank Systems 14, nr 1 (15.01.2019): 11–19. http://dx.doi.org/10.21511/bbs.14(1).2019.02.
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The study aims at analyzing the relationship between financial performances and marketing practices in the banking sector of Jordan. A questionnaire was distributed to 45 top, middle, and branch level managers of 15 banks. The financial data was obtained from the financial statements and annual reports of the banks during the five-year period between 2011 and 2015. The three categories of participants, who were recruited, were top-level managers, middle-level managers and branch-level managers from 17 banks of Jordan. No two means were found to differ significantly at 0.05 level by means of Scheffe test. The results revealed that the more positive the perception was of the managers regarding the position of their banks in the market, the more they were inclined to choose an accurate target market in accomplishing their marketing objectives. Therefore, it has been concluded that when the financial needs of the customers were similar, the change in the loan-to-deposit ratio was significantly positive.
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Kolari, James, Asghar Zardkoohi, Timo Santalainen i Antti Suvanto. "Branch bank operating costs: evidence from savings banks in Finland". Applied Economics 24, nr 4 (kwiecień 1992): 401–10. http://dx.doi.org/10.1080/00036849200000014.
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Carlson, Mark. "Are Branch Banks Better Survivors? Evidence from the Depression Era". Economic Inquiry 42, nr 1 (styczeń 2004): 111–26. http://dx.doi.org/10.1093/ei/cbh048.
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Carlson, Mark A. "Are Branch Banks Better Survivors? Evidence from the Depression Era". Finance and Economics Discussion Series 2001, nr 51 (2001): 1–38. http://dx.doi.org/10.17016/feds.2001.51.
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Kulshreshta, U. C. "Role of Lead Banks in Branch Expansion-A Case Study". Indian Economic Journal 34, nr 1 (wrzesień 1986): 52–58. http://dx.doi.org/10.1177/0019466219860105.
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Ahmad, Ardhi Seiva, Ahmad Khoirur Rohim, Muhammad Arif Billah i Achmad Room Fitrianto. "The Risk Management of Gold Pawn Product in Bank Syariah Indonesia (BSI) Krian Branch". JURNAL AL-QARDH 6, nr 2 (31.12.2021): 49–61. http://dx.doi.org/10.23971/jaq.v6i2.3537.
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The purpose of this research is to analyze the risk management of the BSI gold pawn product in the BSI Krian branch. This research is a qualitative research. In this research, the official of BSI Krian branch served as key informants which have a adequate knowledge about financing process BSI gold pawn. Data collection conducted through interview, documentation, and observation techniques. The result of this research shows that BSI Krian branch implements risk management on the BSI gold pawn product. There are four steps in the process of implementing risk management on the gold pawn product BSI Krian branch; risk identification, risk measurement, risk monitoring, and risk control. Besides implement risk management BSI Krian branch has prepared risk mitigation on the gold pawn product. The mitigation processes are to mitigate the miss gold estimation accuracy, the gold storage risk, the risk of payment failure or jamming, the last but not least is mitigate the gold price drop. In the implementation of risk management and risk mitigation by BSI Krian Branch there are two obstacles those are from internal and external banks. In the effort to face that obstacles, BSI Krian branch has had an effort to overcome both from internal and external banks. With the implementation of risk management on the gold pawn product by BSI Krian branch can prevent and minimize the risk which arise from that financing
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Calomiris, Charles W., i Larry Schweikart. "The Panic of 1857: Origins, Transmission, and Containment". Journal of Economic History 51, nr 4 (grudzień 1991): 807–34. http://dx.doi.org/10.1017/s0022050700040122.
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We explain the origins of the Panic of 1857, examine its spread, and compare state banking systems's responses. We describe the decline in western land and railroad investments and the consequent stress on securities brokers and banks in eastern cities, and trace the transmission of the shock to other regions. Bank performance depended not only on regional conditions and links to eastern banks, but on the ability to coordinate behavior. Southern branch banks and coinsuring banks in Ohio and Indiana were particularly successful.
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Smith, David P. J., i Ercole Albertini. "A spiritual audit of a retail branch in a South African Bank". SA Journal of Human Resource Management 6, nr 1 (24.10.2008): 10–21. http://dx.doi.org/10.4102/sajhrm.v6i1.130.
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The purpose of this study was to investigate whether or not employees in a branch of one of the leading South African banks are spiritually fulfilled at work, whilst living the values of the bank. The results indicate that employees in the branch are spiritually fulfilled at work, that they seem to be “living the values”, and that they believe the branch to be a spiritual workplace. The results are linked to certain interventions in the branch, and these interventions could be replicated across the branch network, reaping the advantages of a spiritual workplace.
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Gocha Abutidze, Gocha Abutidze. "SWITZERLAND BANKING SYSTEM – MODERN TRENDS AND PROSPECTS". PIRETC-Proceeding of The International Research Education & Training Centre 104, nr 1-2 (4.04.2021): 219–29. http://dx.doi.org/10.36962/ecs104/1-2-219.
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In Switzerland’s banking sector, the pandemic has caused changes, although not on the same scale as in other countries. Switzerland’s banks, unlike banks in other countries, continue to do well financially. They have much less need to save money and therefore have little incentive to close their branches. However, as in the rest of the world, in recent years Switzerland has seen a downward trend in the number of branches and staff members. In 2019, more than 50 of the largest banks in the world laid off about 77,780 employees. An 82% laid off was made by European banks. Over the past 6 years, credit institutions have laid off 425,000 employees worldwide. This trend is exacerbated by the instability associated with the pandemic and prolonged waves of quarantines around the world, forcing financial institutions to move to remote service channels and reduce number of branchs. Consequently, today many more Switzerland’s banks are already considering staff reductions. In this way, banks plan to withstand growing competition, a decline in profitability and losses from the pandemic. The coronavirus has changed not only the attitude and policies of banks towards their business or the way customers conduct banking transactions, but also the payment habits of consumers: cards and smartphones have largely replaced cash. Keywords: Bank, Switzerland's Financial Center, Bank Branch, ATM, Bank Employees.
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Bheda, Anandkumar J., i Dr Arvind M. Gajera. "An Exploratory Research on Bhavnagar District Cooperative Bank Ltd – Evaluation of Profit Per Branch Ratio and Net Profit to Net Assets Ratio". RESEARCH REVIEW International Journal of Multidisciplinary 6, nr 12 (15.12.2021): 191–98. http://dx.doi.org/10.31305/rrijm.2021.v06.i12.029.
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Majorly 21 types of banks are functioning worldwide. Each and every bank plays important role in growth and development of economy of the nation. This research is focusing on district level banks of Gujarat State. Presently total 42 district level banks are functioning in Gujarat. Amid them, the orientation is taken in account to evaluate the financial performance based on two parameters – Profit per Branch Ratio and Net Profit to Net Assets Ratio of the bank. The research is examined for Bhavnagar District Co-Operative bank ltd for financial year 2013 to 2019. An application of t – test is used to examine the results. It is observed that there is significance difference between the yearly upgradation in Profit per Branch Ratio and Net Profit to Net Assets Ratio of the bank. The bank has progressively worked for Saurashtra region of Gujarat state.
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Boďa, Martin, i Katarína Čunderlíková. "Determinants of bank branch density: a case study of Slovakia". International Journal of Bank Marketing 38, nr 4 (23.03.2020): 933–59. http://dx.doi.org/10.1108/ijbm-07-2019-0267.
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PurposeThis paper studies the density of bank branches in districts of Slovakia and aims to identify determinants that explain or justify districtural differences in the density of bank branches.Design/methodology/approachBank branch density is measured by the number of branches in a district, and banks are further differentiated by size and profile. Potential determinants of bank branch density are sought through univariate and bivariate Poisson regressions amongst economic factors, socioeconomic factors, technological factors, urbanization factors, and branch market concentration.FindingsUsing data from 2016, it has been found that branch numbers in districts are determined chiefly by five factors that describe their economic development, population size with its characteristics, and existent branch concentration. The spatial distribution of bank branches in the territory of Slovakia is not random, but is found to be affected by environmental factors measurable at the districtural level. Only 22 Slovak districts representing administrative or economic centers are expected to be over-branched.Practical implicationsThe study helps to identify factors that need be accounted for in planning and redesigning of branch networks or in implementing mergers and acquisitions on a bank level. The results are also useful in regional policy and regulatory oversight.Originality/valueThe present study is unique since the decision-making processes of Slovak commercial banks in planning the location and density of their branch networks have not been rationalized and researched as of yet.
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ShamsiNejhad, Seyad Said, Maedeh Dehnamaki, Amir Mehdiabadi i Vahid Shahabi. "A Hybrid SWARA and MABAK Methods: To Identify Credit Risk of Bank Branches". Journal of Management and Accounting Studies 9, nr 01 (24.02.2021): 45–64. http://dx.doi.org/10.24200/jmas.vol9iss01pp45-64.
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Banking plays an important role in the economy of any country. The success of a healthy economy depends on a robust and healthy banking system. Savings, investments, production, employment and growth in the national economy are affected by the operations and decisions of the banking system. Lending is one of the main activities of most banks and this is affected by risk. Changes in economic conditions affect bank risk. The borrower's credit status may deteriorate over time due to various factors. Credit risk and its management at the branch level can greatly assist banks' performance. Paying attention to credit risk indices at bank branch level is an issue that has been less addressed. In this study, the researchers have prioritized the evaluation of branch-level indicators using new decision-making techniques, such as SWARA and MABAK, by presenting a general model of the factors influencing credit risk at banks level. We first obtained the weight of the indices using the SWARA technique and using the opinions of ten banking experts and then we are ready to enter the MABAK model. The analysis was carried out in qard al-hasan RESALAT Bank, and in 30 selected branches of the bank.
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Kuswara, Dimas Puja, Etty Puji Lestari i Tri Kurniawati Retnaningsih. "Determinant of Islamic Banking Profitability In Indonesia". Jurnal Organisasi dan Manajemen 15, nr 1 (14.03.2019): 36–45. http://dx.doi.org/10.33830/jom.v15i1.295.2019.
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Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used is multiple linear regression analysis. The variables are return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variable. This study found that funding factors such as murabaha, musharaka and conventional and electronic networking factors such as Branch Office, Cash Office, and ATM had positive and significant impact on profitablity of Sharia Bank, while mudharabah had a negative and significant influence on profitablitas Sharia Bank. Sub-Branch Offices also had a negative but insignificant effect on the profitability of Sharia Banks. This result indicated that income on management became the most dominant income in generating profit of sharia banking. However, the management of funds could not work if not supported by Islamic banking channeling tools.
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Kuswara, Dimas Puja, Etty Puji Lestari i Tri Kurniawati Retnaningsih. "Determinant of Islamic Banking Profitability in Indonesia". Jurnal Organisasi dan Manajemen 15, nr 1 (14.03.2019): 36. http://dx.doi.org/10.33830/jom.v15i1.865.2019.
Pełny tekst źródłaStreszczenie:
Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used is multiple linear regression analysis. The variables are return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variable. This study found that funding factors such as murabaha, musharaka and conventional and electronic networking factors such as Branch Office, Cash Office, and ATM had positive and significant impact on profitablity of Sharia Bank, while mudharabah had a negative and significant influence on profitablitas Sharia Bank. Sub-Branch Offices also had a negative but insignificant effect on the profitability of Sharia Banks. This result indicated that income on management became the most dominant income in generating profit of sharia banking. However, the management of funds could not work if not supported by Islamic banking channeling tools.
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Alimdjanov, B. A. "History of the Bukhara branch of the Azov-Don commercial bank". Vestnik of the Plekhanov Russian University of Economics, nr 5 (25.10.2018): 199–207. http://dx.doi.org/10.21686/2413-2829-2018-5-199-207.
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The article investigates foundations of work and functions of the Bukhara branch of the Azov-Don commercial bank. In soviet historiography banks were considered as colonialism tools (both Western and Russian). On the basis of archive data the author proves that finance institutions of the Russian Empire took into account the local specificity and stimulated production of export-oriented goods. The author uses inter-bank correspondence, annual reports of the branch director and materials of the Bukhara branch audit. For the first time active and passive bank transactions were researched, expenses and incomes of the bank were analyzed and personnel of the bank was studied. The author, in contrast to soviet and post-soviet researchers thinks that banks were not monopolists in economy of the Middle East. The Azov-Don bank had got a broad network of branches (4 branches) in the Middle East region. It tried to take in hand the export of cotton and fruit but could not become a monopolist in economic life of Turkestan. The principle cause of ‘failure’ according to the author was the adjustment of the bank to real economic relations in the Turkestan Governorship-General and khanates. Modernization of Central Asia economy, according to banks implied financing of export crops and intermediary between the metropolitan country and periphery. ‘Colonial’ periphery seemed to be an appealing field for investment and super-profit, but speculative nature of Turkestan economy stopped banks’ development. As a result economic modernization of the Middle East slowed down and opened the way to the soviet experiment.
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Prasetyo, Hery, i Sony Sunaryo. "THE BRANCH EXPANSION AND THE PERFORMANCE OF THE BANKS: THE CASE OF INDONESIA". Buletin Ekonomi Moneter dan Perbankan 18, nr 1 (9.11.2015): 85–106. http://dx.doi.org/10.21098/bemp.v18i1.518.
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Opening new branches may help the banks to expand and is a priority for the banks to enlarge the public inclusion. Indonesian banking industry is currently not efficient and still focus more on networking the branches than improving the banking access to the public. This paper utilize the path analysis to see the link betweeen the branch expansion and the performance of the banks. The analysis shows that the increase of the number of branches and employees does not significantly influence the financial performance of the banking industry from the period of 2011-2012. This prove that the inefficiency of banking industry as one of the performance indicators of banking is not the main factor that be caused by increasing the number of branches and employees.
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Alaudin, Ahmadasri. "Customers, control, and the performance of Islamic banks". Asian Journal of Accounting Perspectives 14, nr 2 (30.08.2021): 47–66. http://dx.doi.org/10.22452/ajap.vol14no2.3.
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Research aim: This study explores the relationship between customer fairness and trust building and the performance of bank branches. Design/Methodology/Approach: Methodologically, this relationship is first explored with no mediating variable using bivariate correlation analysis as a precursor to a more sophisticated path analysis where this relationship is hypothesized to be mediated by control systems. The data for these analyses are subjective assessments elicited from a survey of branch managers working in two different Islamic banks in Malaysia. Research Findings: Overall, the results suggest that customer trust building is an important determinant of performance relative to expectations, both directly and indirectly through the use of control systems. However, there is less support for a significant association between customer fairness building and performance. Theoretical contribution/Originality: Given the impressive growth in the size and popularity of Islamic banking around the world, it is an increasingly pertinent domain for academic research. This study has sought to contribute to this literature from the perspective of organizational dynamics and organizational performance as perceived by branch managers. It also contributes to Simons’ levers of control framework by operationalizing its belief system lever using values (i.e., trust and fairness building). Practitioner/Policy implication: Bank management both at corporate and business (operating) levels may benefit from the findings in implementing strategy and developing value-based competitive advantage in a form of trust and fairness. Limitation/Implication: The lack of support for customer building results may provide opportunity for further research into this. It would have been interesting to elicit views from a wider range of bank personnel (i.e., regular employees as well as branch managers). Whilst on the other hand it may have been beneficial to utilize more objective measurements, particularly with respect to performance.
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Sudianto, Sudianto, Nur Fadilah i Bisyarotul Hanun. "IMPLEMENTASI JASA MOBILE BRANCH DALAM MENINGKATKAN JUMLAH NASABAH". Assyarikah: Journal of Islamic Economic Business 3, nr 2 (15.12.2022): 105. http://dx.doi.org/10.28944/assyarikah.v3i2.719.
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Seeing the increasingly digital era, banks must pay attention to their information technology, so far Bank Muamalat KCP Sumenep has made innovations in serving customers. One of the innovations carried out by Bank Muamalat KCP Sumenep is in the form of a Mobile Branch. And utilizing information technology is a very appropriate solution in developing business and the services in it. This study uses a descriptive qualitative research method is a research that describes the type of research by observing the surrounding phenomena and analyzing these phenomena.The results of this study were obtained from interviews from the parties concerned, that the implementation of Mobile Branch services can increase the number of customers, but there are obstacles in it, namely the COVID 19 virus and the epidemic that hit the world, making all banks, especially Mobile Branches experience a decline. in developing its business and in increasing the number of customers. But in terms of Mobile Branch services provided to customers, they are also satisfied with their presence and services.
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Ho, Cynthia Sin Tian, i Björn Berggren. "The effect of bank branch closures on new firm formation: the Swedish case". Annals of Regional Science 65, nr 2 (7.03.2020): 319–50. http://dx.doi.org/10.1007/s00168-020-00986-4.
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Abstract In this paper, the effect of local bank branch closures on new firm formation in Sweden is analysed using a panel database that captures the geographical locations of all Swedish bank branches in 2007 and 2013. The previous research has shown that the further a firm is located away from the bank, the higher the monitoring costs will be for the banks. Furthermore, an increase in the distance to the banks will also increase information asymmetry because of the banks’ eroded ability to collect and analyse soft information. Due to the high risks associated with the lack of information and uncertainty, banks might not be as willing to extend credits to a distant firm compared to a nearby firm. Using spatial econometric analysis at a municipal level, it is shown that bank proximity to firms, unemployment rate, industry structures, income growth, change in housing price and percentage of immigrants are vital for new firm formation in Sweden. From the spatial Durbin model with fixed effects, an increase in the weighted distance to the nearest bank branches is shown to affect new firm formation negatively.
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Glancy, David. "Bank Relationships and the Geography of PPP Lending". Finance and Economics Discussion Series, nr 2023-014 (luty 2023): 1–45. http://dx.doi.org/10.17016/feds.2023.014.
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I study how bank relationships affected the timing and geographic distribution of Paycheck Protection Program (PPP) lending. Half of banks' PPP loans went to borrowers within 2 miles of a branch, mostly driven by relationship lending. Firms near less active lenders shifted to fintechs and other distant lenders, resulting in delays receiving credit but only slightly lower loan volumes. I estimate a structural model to fit the observed relationship between branch distance, bank PPP activity, and origination timing. I find that banks served relationship borrowers 5 to 9 days before other borrowers, an effect in line with reduced-form estimates using a sample of PPP borrowers with previous SBA lending relationships.
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Mulyana, Iwan. "Praktek Pembiayaan KPR Dengan Akad Ijarah Muntahiya Bittamlik (IMBT) Di PT. Bank Syariah Mandiri Cabang Bandung : Tantangan Dan Solusinya". Banking and Management Review 10, nr 2 (2.03.2022): 1485–97. http://dx.doi.org/10.52250/bmr.v10i2.429.
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This study aims to identify and explain the practice of home ownership financing (KPR) with the Ijarah Muntahiya Bittamlik (IMBT) contract at PT. Bank Syariah Mandiri Branch Bandung. This research is descriptive qualitative in PT. Bank Syariah Mandiri Branch Bandung with interview techniques and documentation in collecting data. Data analysis techniques with interactive analysis models proposed by Miles and Huberman, among others; data collection, data presentation, data reduction and conclusions in the form of delineation and verification of home ownership credit (KPR) financing practices with the Ijarah Muntahiya Bittamlik (IMBT) contract at Bank Syariah Mandiri Branch Bandung. The results show that the practice of financing home ownership credit (KPR) with the Ijarah Muntahiya Bittamlik (IMBT) contract at Bank Syariah Mandiri, Bandung branch was still considered necessary to be optimized for future improvements by improving better services and education to the public. In addition, it also discloses the terms, benefits, mechanisms, factors that affect late installment payments as well as solutions offered by banks so that the financing program can provide benefits to customers and banks.
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Scaletta, Timi M., i Jeffrey R. Stokes. "Optimal Agricultural Credit Association Branch Office Locations". Journal of Agricultural and Applied Economics 35, nr 1 (kwiecień 2003): 127–41. http://dx.doi.org/10.1017/s1074070800005988.
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Since the farm financial crisis of the 1980s, Farm Credit System banks continue to merge and consolidate to enhance competitiveness. Two mixed-integer programming models of AgChoice Agricultural Credit Association (ACA), a recently merged ACA in Pennsylvania, were developed to determine the optimal number, location, and territory of branches. The approach suggests useful information can be determined regarding the reconfiguration process after bank mergers, especially given the fact that the current AgChoice ACA configuration is available for comparison purposes.
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Nugroho, Lucky, Akhmad Amien Mastur, Harnovinsah Harnovinsah i Widya Aryanti. "The Contribution of Islamic Bank in Poverty Alleviation". Al-Ahkam 30, nr 1 (30.04.2020): 19. http://dx.doi.org/10.21580/ahkam.2020.30.1.5387.
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<p class="IABSSS">The existence of Islamic banks as one part of Islamic financial institutions should contribute to improving the economy, one of which is to reduce poverty. Therefore, the purpose of this study is to investigate the effect of financing variables, asset variables, and Islamic bank office variables on poverty levels. The sample used to be Islamic Commercial Banks (BUS) in the 2013-2017 period, with a total of 110 samples. The methodology used is quantitative with multiple regression statistical analysis and statistical data processing using SPSS software version 20. The results of the study note that financing has a negative and significant effect, namely, the higher the financing of Islamic banks, it will reduce poverty. However, the total assets and the number of networks that have a positive and significant effect, namely the increase in total assets and branch networks, it will affect the increasing amount of poverty. That is because the assets of Islamic banks are supported by the majority savings and the not optimal yet of distribution of financing from Islamic banks to the community. Also, the existence of the Islamic branch office tends to be found in provincial capitals and big cities, so that the communities in rural and remote areas are still not reached by Islamic banks.</p>
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Ayariga, Charles. "IAS 39 and IFRS 9: Effects of Changing Accounting Standards for Financial Instruments on the Financial Asset Management of Commercial Banks in the Sekondi-Takoradi Metropolis of Ghana". International Journal of Accounting and Financial Reporting 10, nr 1 (6.01.2020): 58. http://dx.doi.org/10.5296/ijafr.v10i1.16085.
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The purpose of the study was to investigate the effects of changing accounting standards for financial instruments on the financial asset management of commercial banks in the Sekondi-Takoradi Metropolis (STM), focusing on IAS 39 and IFRS 9. Descriptive research design was used. The population was branch managers and account/audit/finance staff of 13 commercial banks in the metropolis who were 91 in number. The census method was used to capture all subjects within the accessible population. Questionnaire with a Cronbach alpha reliability coefficient of 0.871 was used to collect the data. Out of the 91 questionnaires administered, the researcher was able to retrieved 73 completed and accurate questionnaires from the respondents. Both descriptive and inferential statistical tools were used to analyse the data. The findings of the study revealed that requirements of IFRS 9 have been welcomed by commercial banks in STM. The replacement of accounting standards for financial instruments, from IAS 39 to IFRS 9, has moderate effect on the effectiveness of the financial asset management of the banks. It was recommended to management of the banks to ensure that branch managers, and account/audit/finance staff are abreast with IFRS 9 compliance. This will help them adapt meaningfully to the changing accounting standards for financial instruments, especially from IAS 39 to IFRS 9, in order to help manage the financial asset of the banks effectively.