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Journal articles on the topic 'ANZ Bank'
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1
FARIZ, FARIZ, and TUTIK WINARSIH. "PERANCANGAN MODEL INTEGRASI PBSC DAN OBSC UNTUK MENENTUKAN PRIORITAS TINDAKAN PERBAIKAN PADA BANK ANZ INDONESIA DIVISI SALES COMMERCIAL BANKING." MAPAN: Jurnal Manajemen Akuntansi Palapa Nusantara 1, no. 1 (January 1, 2017): 9. http://dx.doi.org/10.51774/mapan.v1i1.8.
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Setiap perusahaan akan dengan mudah memperoleh sumberdaya yang diinginkan kapan dan dimanapun sumberdaya tersebut tersedia dengan perbaikan kinerja pribadi dan organisasi secara berkelanjutan dimana penerapan Total Performance Scorecard (TPS) melalui PBSC serta OBSC dapat dijadikan sebagai senjata utama bagi Bank ANZ Indonesia Divisi Sales Commercial Banking.Tujuan penelitiannya adalah perancangan model integrasi PBSC dan OBSC untuk menentukan prioritas tindakan perbaikan pada Bank ANZ Indonesia Divisi Sales Commercial Banking dengan penelitian berbentuk Description research dimana memberikan gambaran secara tepat keadaan atas gejala tertentu untuk menentukan adanya hubungan antara suatu gejala dengan gejala yang lain. Perbaikan pribadi karyawan pada perspektif internal yang menjadi prioritas adalah terus melakukan kegiatan, tetapi menetapkan batas waktu secara ketat, sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama yang menjadi prioritas adalah mengatur pengembangan organisasi secara lebih efisien.Perbaikan pribadi karyawan pada perspektif ekternal yang menjadi prioritas adalah mengembangkan pengetahuan dalam bidang manajemen khususnya keuangan dan pemasaran,sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama menjadi prioritas adalah mengembangkan program untuk pemasaran berorientasi tujuan. Tentunya, hal ini dapat dikatakan bahwa pada perspektif internal terdapat keselarasan.Pada perspektif pengetahuan dan pembelajaran yang menjadi prioritas adalah lebih proaktif, lebih efektif, lebih berfokus pada hasil dan bertindak lebih persuasif, sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama menjadi prioritas adalah melakukan wawancara perencanaan, pelatihan dan penilaian dengan karyawan berdasarkan rencana kinerja perorangan dan profil kemampuan. Tentunya, hal ini dapat dikatakan bahwa pada perspektif pengetahuan dan pembelajaran terdapat keselarasan dalam hal pelaksanaan.Pada perspektif keuangan dapat dilihat tindakan perbaikan pribadi karyawan yang menjadi prioritas adalah mencari strategi investasi yang terbukti berhasil, sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama menjadi prioritas adalah menutup unit bisnis yang tidak menguntungkan. Tentunya, hal ini dapat dikatakan bahwa pada perspektif keuangan terdapat keselarasan dalam hal pelaksanaan serta tujuan yang ingin hendak dicapai
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Stockport, Gary J., Michelle Godley, Dion Guagliado, Olivia Leung, Ben Mercer, Gajendra Varma, and Shaun Wong. "ANZ Bank: Building a Strategy for Asia." South Asian Journal of Business and Management Cases 1, no. 1 (June 2012): 31–41. http://dx.doi.org/10.1177/227797791200100104.
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This case considers the Super Regional Strategy adopted by the Australian and New Zealand Banking Group (ANZ) under the leadership of CEO Mike Smith from October 2007 to early 2011. The Super Regional Strategy had the goal of deriving 20 per cent of ANZ’s profit from the Asian region by 2012 and between 25 and 30 per cent of profit by 2017. This strategy was a significant departure from the relative safety of the Australian banking sector and necessitated significant organizational changes. Not without risk or critics, ANZ is still in the formative stages of its strategy which will be a decade or more in the making. This article documents some of the changes to date.
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Winarsih, Tutik. "Perancangan Model Peningkatan Kinerja Pada PT. Bank ANZ Indonesia." JURNAL ILMIAH EDUNOMIKA 5, no. 2 (June 30, 2021): 824. http://dx.doi.org/10.29040/jie.v5i2.2681.
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This research abstract aims to design the integrity model of PBSC and OBSC in determining the priority of corrective action at ANZ Bank Indonesia Sales Comercial Banking Division. This study uses qualitative approach with case study method. The type of research used in this study is a type of 'description research'. Design research design of PBSC and OBSC integration model to determine the priority of corrective action at ANZ Bank Indonesia Sales Commercial Banking Division. The results showed that in the external perspective of improvement of ANZ Indonesia Bank organizationally with the same perspective becomes a priority is to develop programs for goal-oriented marketing. In the perspective of knowledge and learning organizationally with the same perspective the priority is to conduct planning interviews, training and assessments with employees based on individual performance plans and capability profiles. In a financial perspective the priority is to close an unprofitable business unit.
Keywords: TPS, Organizational Balanced Scorecard, PBSC, Perspective Internal, External, Knowledge and Learning, Finance
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Setiawati, Melia Gripin Setiawati. "Analisis Sistem Informasi Aplikasi Online Kartu Kredit Menggunakan Metode SERVQUAL." Jurnal Telekomunikasi dan Komputer 6, no. 2 (February 27, 2017): 103. http://dx.doi.org/10.22441/incomtech.v6i2.1151.
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Kemudahan, efisiensi, ketepatan, kecepatan, simple serta flexibilitas menjadi pertimbangan para pelaku kegiatan untuk menggunakan kartu kredit diera globalisasi saat ini. Ada beberapa cara yang bisa dilakukan untuk pengajuan kartu kredit seperti melalui direct selling, telemarketing dan aplikasi online. Dari ketiga cara tersebut aplikasi online menjadi salah satu cara yang paling mudah dalam pengajuan aplikasi kartu kredit Kunci permasalahan pada penelitian ini yakni terkait dengan kualitas layanan yang diberikan apakah cukup memberikan pemahaman terhadap calon customer sehingga terjadi peningkatan dalam kartu kredit di ANZ Bank serta layanan seperti apa yang diharapkan oleh customer.Metode penelitian yang digunakan adalah metode deskriptif analis dengan pengumpulan data dilakukan dengan menyebarkan kuesioner kepada 150 responden, metode pengambilan sampel menggunakan metode servqual, skala likert, SEM amos 18. Berdasarkan analisis yang telah dilakukan didapatkan bahwa kualitas layanan Aplikasi Online seperti tampilan, pelayanan marketing, tarif, teknologi yang digunakan pada aplikasi online sangat mempengaruhi kepuasan customer yang berdampak pada peningkatan customer kartu kredit ANZ.
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Khan, Shahbaz, Nida Baig, Shahzad Hussain, and Ajid Ur Rehman. "Strength of Bank-Firm Nexus: Evidence from Islamic and Conventional Banks." Journal of Islamic Business and Management (JIBM) 10, no. 01 (June 30, 2020): 96–109. http://dx.doi.org/10.26501/jibm/2020.1001-007.
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Taqi, Dr Mohd, and Maj S. M. Mustafa. "Financial Analysis of Public and Private Sector Banks of India: A Comparative Study of Punjab National Bank and HDFC Bank." International Academic Journal of Business Management 05, no. 01 (June 14, 2018): 26–47. http://dx.doi.org/10.9756/iajbm/v5i1/1810003.
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Vaškelaitis, Vytautas. "Nepriklausomas centrinis bankas." Teisė 72 (January 1, 2009): 198–208. http://dx.doi.org/10.15388/teise.2009.0.275.
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Straipsnyje analizuojama centrinio banko nepriklausomumo problema istoriniu, teoriniu ir taikomuoju požiūriais. Iškeliami nepriklausomumo argumentai, atskleidžiama jo esmė, apibrėžiamos nepriklausomumo ribos, aptariamas veiklos skaidrumas. Prieinama prie išvados, kad centrinis bankas turėtų būti nepriklausomas nuo vyriausybės, kartu jo veiklą derinant su įstatymų leidžiamuoju ir vykdomuoju valstybės institutais. Tyrimo kontekste nagrinėjami pokyčiai, susiję su Europos ekonominės ir pinigų sąjungos susikūrimu, nepriklausomumo dimensija Europos centrinių bankų sistemos formate. Nustatoma, kad šiomis sąlygomis kai kuriose srityse nacionaliniai centriniai bankai turi savarankiškumą, kitose – Europos centrinis bankas naudojasi nacionalinių centrinių bankų paslaugomis, be to, Europos centrinis bankas veikia visiškai savarankiškai. The article analyzes the problem of central bank independence a historical, theoretical, and practice terms. The independence of the arguments raised, disclosed in its essence, defines the limits of independence, the transparency of the operation in question. Accessible to the conclusion that the central bank should be independent from the government, while its activity in combination with the legislative and executive state institutions. The study examined the context of changes in European economic and monetary union within the independence dimension of the European System of Central Banks in format. Determined that under these conditions in some areas of the national central banks have independence, the other – the European Central Bank uses the services of national central banks, in addition to another – the European Central Bank is fully independent.
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Alzoubi, Tariq. "Determinants of bank profitability: Islamic versus conventional banks." Banks and Bank Systems 13, no. 3 (September 12, 2018): 106–13. http://dx.doi.org/10.21511/bbs.13(3).2018.10.
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This research analyzes the determinants of bank profitability by investigating the internal factors that affect the profitability of Islamic banks and conventional banks. It then compares the results from the two types in order to understand how they differ from each other. As previous researchers focus on either Islamic or conventional banks, this research will analyze both by comparing how they are each influenced by profitability factors. Few researches have attempted to compare the profitability of Islamic and conventional banks using a relatively small sample. This research uses a fixed effect panel data analysis on a large sample of 68 banks (42 Islamic and 26 conventional banks) from 13 MENA countries, covering the period of 2006 until 2016. Using several variables, including bank size, equities to assets, loans to assets, deposits to assets, cash to assets and securities to assets, the results show that bank size, equities to assets and deposits to assets have a significant positive effect on Islamic banks’ profitability, while they have a significant negative effect on conventional banks’ profitability; loans to assets and cash to assets have no effect on bank profitability for either Islamic or conventional banks; and securities to assets has a significant negative effect on Islamic banks’ profitability, while it has a significant positive effect on conventional banks’ profitability. The results also show that bank size, equities to assets, deposits to assets and cash to assets contribute more to Islamic banks’ profitability compared to conventional banks, while loans to assets and securities to assets contribute more to conventional banks’ profitability compared to Islamic banks.
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Festić, Mejra. "THE ROLE OF THE FOREIGN BANKS IN THE 5 EU MEMBER STATES / UŽSIENIO BANKŲ VAIDMENS 5 EUROPOS SĄJUNGOS VALSTYBĖSE TYRIMAS." Journal of Business Economics and Management 13, no. 1 (February 21, 2012): 189–206. http://dx.doi.org/10.3846/16111699.2011.620156.
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The article tests if foreign banks have lowered their market share in the Baltic States, Romania and Bulgaria during the recent financial crisis after 2007, due to the perception of risk exposure in local markets. It has been proved that, the credit supply by foreign banks in the Baltic States, Romania and Bulgaria has remained relatively stable during the latest crisis by TSLS method. Foreign ownership generally utilizes derivative products more than domestic banks in the NMSs because they have more expertise in hedging and can diversify risks effectively with their larger parent banks in their home country. The reaction of foreign banks abroad depends on the capital adequacy of the parent bank and the business opportunities in the host economies. Santrauka Straipsnyje analizuojamas užsienio bankų vaidmuo penkiose Europos Sąjungai priklausančiose valstybėse – Baltijos šalyse, Rumunijoje ir Bulgarijoje. Autorius tyrimui pasirinko užsienio bankų užimamos rinkos dalies vertinimą ir ekonomikos krizės poveikio nustatymą šių bankų veiklos rodikliams bei rinkos daliai. Gauti rezultatai parodė, kad kreditų pasiūla, teikiama užsienio bankų Baltijos šalyse, Rumunijoje ir Bulgarijoje, išliko palyginti stabili. Tai galima susieti su tuo, kad užsienio bankai taiko ir naudoja išvestinius produktus, motyvuodami tuo, jog turi daugiau patirties ir gali diversifikuoti riziką, efektyviai naudodami juos remiančių savos šalies („motininių“) bankų finansinius išteklius. Tyrimas taip pat parodė, kad užsienio bankų reakcija į rinkos pasikeitimus vienoje ar kitoje valstybėje tiesiogiai priklauso nuo „motininio“ banko kapitalo pakankamumo ir ekonominių verslo sąlygų toje šalyje.
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Febrianto, Hendra Galuh, and Amalia Indah Fitriana. "MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (August 27, 2020): 139–60. http://dx.doi.org/10.36908/isbank.v6i1.135.
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ABSTRACT
In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank.
The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations.
This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017.
Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness
ABSTRAK
Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut.
Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru.
Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017.
Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank
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G. Georgantopoulos, Andreas, and Ioannis Filos. "Corporate governance mechanisms and bank performance: evidence from the Greek banks during crisis period." Investment Management and Financial Innovations 14, no. 1 (April 28, 2017): 160–72. http://dx.doi.org/10.21511/imfi.14(1-1).2017.02.
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This paper is the first research attempt that investigates the impact of a large number of corporate governance mechanisms on the performance of Greek banks,employing widely accepted in the literature of corporate governance econometric models. Results indicate that system GMM models are more suitable methodological tools than pooledOLS and fixed effects models to address well-known econometric problems, such as endogeneity, simultaneity and unobserved heterogeneity of individual banks. The findings, as derived from the application of GMM models, imply that increasing the board size and the number of independent directors can both have positive impact on the performance of Greek banks, but only up to a certain point. Thus, bank efficiency will increase as board size and the proportion of independent directors grow up to a point where these relationships hit a maximum from which bank performance decreases. Our multi-model estimations failed to trace any significant contribution of the number of female and foreign directors on the performance of Greek banks. Finally, the dual appointment of a CEO as Chairman appears to affect negatively two out of four proxies of bank performance. Overall, the results provide support for the positive impact of corporate governance mechanisms on the performance of Greek banks. The significance of these findings increases, considering that the period under study (2008-2014) is marked by high market volatility and uncertainty due to the well-known debt crisis that plagues Greece since the beginning of 2008.
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Uddin Ahmed, Sarwar, Samiul Parvez Ahmed, and Ikramul Hasan. "Why banks should consider ESG risk factors in bank lending?" Banks and Bank Systems 13, no. 3 (August 10, 2018): 71–80. http://dx.doi.org/10.21511/bbs.13(3).2018.07.
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Why banks should be concerned about incorporating environmental, social and governance (ESG) criteria in the lending process? What is the motivation? This study aims to find the motives for considering environmental, social and governance (ESG) criteria in bank lending process. A primary survey has been conducted to know the current status and motivation for incorporating ESG factors in investment decisions. Sample comprised 30 private commercial banks (PCBs) operating in Bangladesh. Data collected were analyzed with graphs, descriptive statistics, and regression analysis. Findings of the study indicate that banks are mostly considering basic environmental, social and governance factors set by regulators qualitatively. They are lagging behind in considering the advanced ESG criteria needed for sustainable and efficient credit risk management. Based on motivation for incorporating ESG factors, it was found that banks pioneering in incorporating ESG factors in lending decisions are compensated through better financial performance. Findings of the study are expected to encourage practitioners and policy-makers to take more pragmatic steps to incorporate ESG risk factors quantitatively in lending decision-making process.
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Godswill, Osuma, Ikpefan Ailemen, Romanus Osabohien, Ndigwe Chisom, and Nkwodimmah Pascal. "Working capital management and bank performance: empirical research of ten deposit money banks in Nigeria." Banks and Bank Systems 13, no. 2 (June 18, 2018): 49–61. http://dx.doi.org/10.21511/bbs.13(2).2018.05.
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Working capital management is germane for the success of the banking industry in Nigeria, especially the current state of the sector, which is engulfed with the effect of the global decline in oil price that has resulted in non-performing loans, deterioration of the bank asset quality, laying-off of staff amongst others. This is one of the reasons why the profitability of the banking sector deeply depends on the efficient management of a bank’s working capital. Therefore, the objective of this study is to examine how profitability of banks can be enhanced through the working capital management. To empirically carry out the analysis, panel data which consist of ten (10) deposit money banks in Nigeria for seven years (2010–2016) employing the panel fixed effect, panel random effect and the pooled OLS for the two models, which were used as proxies for bank profitability, which includes return on asset (ROA) and return on equity (ROE) to examine the best measure for bank profitability, with the indicators of working capital; net interest income, current ratio, profit after tax, and monetary policy rate. Results of the study showed that working capital management has a significant effect on the profitability of the selected banks and that return on asset is a better measure for bank profitability. Therefore, the study recommends that there should be a periodic review of the minimum capital base of the Nigerian deposit money banks so as to mitigate the effects of inflation and inculcate the consequence of time value of money, because the purchasing power of one (₦1) naira or one ($1) dollar today would not be sufficient to purchase what it can purchase today for tomorrow.
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Rinawati, Tri, and Aprih Santoso. "THE COMPARATIVE STUDY OF ISLAMIC AND CONVENTIONAL BANK IN INDONESIA." Kodifikasia 13, no. 2 (December 11, 2019): 353. http://dx.doi.org/10.21154/kodifikasia.v13i2.1772.
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Penelitian ini bertujuan untuk mengetahui perbedaan kinerja keuangan Bank Syariah dan Bank Konvensional di Indonesia berdasarkan rasio CAR, NPL, LDR dan BOPO untuk tahun 2008 – 2017 dan untuk mengetahui kinerja keuangan mana yang lebih baik antara kinerja keuangan Bank Syariah dan Bank Konvensional di Indonesia untuk periode 2008 - 2017 dilihat berdasarkan rasio CAR, NPL, LDR, BOPO, ROA. Objek penelitian ini adalah bank syariah dan bank konvensional di Indonesia selama periode 2008 - 2017. Metode penentuan sampel yang digunakan adalah purposive sampling, yaitu pengambilan sampel dari suatu populasi berdasarkan kriteria tertentu. Kriteria dalam memilih sampel adalah: (1) Bank yang telah menerbitkan laporan keuangan selama 5 tahun berturut-turut mulai tahun 2008-2017; (2) Bank yang terdaftar di Bank Indonesia; (3) Bank yang menyediakan data laporan keuangan sesuai dengan rasio yang dipersyaratkan; (4) Data Keuangan Bank Syariah dan Bank Konvensional diambil secara keseluruhan dari Statistik Perbankan Indonesia dengan hasil pengujian yang berbeda dapat disimpulkan bahwa terdapat perbedaan antara CAR Bank Islam dan CAR Conventions Bank, terdapat perbedaan antara Bank Syariah NPL dan Konvensional Bank NPL, ada perbedaan antara LDR Bank Syariah dan LDR Bank Konvensional, tidak ada perbedaan antara Bank Islam BOPO dan Bank Konvensional BOPO dan ada perbedaan antara ROA Bank Syariah dan ROA Bank Konvensional. [The objectives of this study are: (1) To find out the differences in the financial performance of Islamic Banks and Conventional Banks in Indonesia based on CAR, NPL, LDR and BOPO ratios for the years 2008 - 2017; (2) To find out which financial performance is better between the financial performance of Islamic Banks and Conventional Banks in Indonesia for the period 2008 - 2017 seen based on CAR, NPL, LDR, BOPO, ROA ratios. The object of this research is Islamic banks and conventional banks in Indonesia during the period 2008 - 2017. The method of determining the sample used is purposive sampling, which is sampling from a population based on certain criteria. The criteria in selecting samples are: (1) Banks that have published financial statements for 5 consecutive years starting in 2008 - 2017; (2) Banks registered at Bank Indonesia; (3) Banks that provide financial report data in accordance with the required ratio; (4) Financial Data of Islamic Banks and Conventional banks are taken as a whole from Indonesian Banking Statistics the results of different tests it can be concluded that there is a difference between CAR Islamic Banks and CAR Conventions Bank, there is a difference between Islamic Bank NPLs and Bank Conventions NPL, there is a difference between Islamic Bank LDR and Conventional Bank LDR, there is no difference between Islamic Bank BOPO and Conventional Bank BOPO and there is a difference between ROA of Sharia Banks and ROA of Conventional Banks]
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Sulistiawaty, Deska, Sri Indarti, and Eka Armas Pailis. "EFFECT OF PRODUCT QUALITY, SERVICE QUALITY AND PROMOTION ON CUSTOMER SATISFACTION AND SAVING DECISIONS IN PT. BANK RIAU KEPRI." Jurnal Manajemen dan Bisnis 10, no. 1 (June 30, 2021): 36–47. http://dx.doi.org/10.34006/jmbi.v10i1.252.
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Changes in the banking industry are increasingly fast making banks have to respond to everything that happens, the main problem facing banks today is retaining customers and being closer to customers and making customers loyal so that the bank can develop. The research was conducted at PT Bank Riau Kepri Main Branch. The aim is to determine the direct effect of product quality, service quality and promotion on customer satisfaction and the decision to save back at PT. Bank Riau Kepri.
This study took a sample of 400 customers. The variables used are product quality, service quality, promotion, customer satisfaction and the decision to save again. This study used quantitative methods and the data were analyzed using Structural Equation Modeling analysis.
The results showed that product quality had a significant effect on customer satisfaction, service quality had a significant effect on customer satisfaction, promotion had a significant effect on customer satisfaction, product quality had a significant effect on the decision to save again through customer satisfaction Service quality had a significant effect on decisions to save again through customer satisfaction. has a significant effect on the decision to save back through customer satisfaction and customer satisfaction has a significant effect on the decision to save back at PT. Bank Riau Kepri Main Branch. The higher the level of customer satisfaction, the decision to save back at Bank Riau will increase
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T. Yahya, Ali, Asif Akhtar, and Mosab I. Tabash. "The impact of political instability, macroeconomic and bank-specific factors on the profitability of Islamic banks: an empirical evidence." Investment Management and Financial Innovations 14, no. 4 (December 8, 2017): 30–39. http://dx.doi.org/10.21511/imfi.14(4).2017.04.
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This study investigates the impact of political instability, macroeconomic and bank-specific factors on the profitability of Islamic banks in the context of Yemen. The study used two common measures of profitability, namely, Return on Assets (ROA) and Return on Equity (ROE) as dependent variables. Seven key independent (internal and external) variables are also used. There are five fully-fledged Islamic banks (IBs) working in Yemen. The study selected only three out of five IBs due to the availability of data for the period ranging from 2010 to 2014. The descriptive and multiple regression analyses were done. The results of the study indicate that operating efficiency and financial risk have negative and significant relationships with ROA and ROE. The findings also show that capital adequacy has a negative and insignificant relationship with ROA and ROE. Furthermore, the study reveals that assets size (LogA), assets management, liquidity and deposits have a significant and positive impact on banks’ profitability. GDP, Inflation rate (IR) and Political instability have positive and significant impact on Yemeni banks’ profitability. Based on the best knowledge of the authors, this study is considered one of the first and pioneering studies that determine the factors affecting the profitability of Islamic banks of Yemen. Therefore, the study gives good insights for the policy makers, regulators and interested parties for enhancing the profitability of Islamic banks in Yemen.
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نعمان عبد الله, مازن, and احمد ثائر محمود. "الريادة الاستراتيجية ودورها في قبول الودائع المصرفية / دراسة تحليلية لعينة من المصارف التجارية العراقية." Bilad Alrafidain Journal of Humanities and Social Science 4, no. 1 (December 21, 2022): 22–31. http://dx.doi.org/10.54720/bajhss/2022.040103.
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أنّ الهدف من البحث هو التعرف على طبيعة العلاقة بين الريادة الإستراتيجية وقبول الودائع المصرفية، ومعرفة مدى التأثير للريادة الإستراتيجية في قبول الودائع المصرفية، ولتحقيق هدف البحث اعتمد الباحثين إلى منهج الوصفي التحليلي لجمع البيانات في ضوء الاستبانة وهي الأداة الرئيسة للدراسة، فضلاً عن تحليل هذه البيانات من خلال مجموعة من الاساليب الاحصائية (SPSS v.25) و(SMART-PLS3). وقد طبقت الدراسة في المصارف الأهلية العاملة في العراق، مدينة بغداد تحديداً واختيرت منها ستة مصارف هي (مصرف الشرق الاوسط، مصرف آشور، مصرف الخليج التجاري، مصرف المتحد للأستثمار، المصرف التجاري العراقي، مصرف سومر لتجاري)، إذ تمثل مجتمع الدراسة بالقيادات الإدارية العاملين في تلك المصارف على مستوى بـ(مدير فرع، مدير قسم، معاون مدير، مدير شعبة، مدير وحدة ) والبالغ عددهم (155)، سحبت منهم عينة قصدية حسب معادلة (Green،1990) لتتمثل بـ(106) فرداً . وتوصلت الدراسة إلى أنّ هنالك علاقة طردية بين الريادة الإستراتيجية وقبول الودائع المصرفية والمتمثلة في علاقة الارتباط والأثر بين متغيرات البحث، على أنّ أي تأثير إيجابي يؤدي إلى تحسين قبول الودائع بصورة إيجابية، كما توصي الدراسة بضرورة الاهتمام بالريادة الإستراتيجية؛ كونها تمثل فرصة لتحقيق الاستباقية في تقديم افضل الخدمات للزبائن والمساعدة في التغلب على الصعاب والمخاطر التي قد تقابلا المصارف المبحوثة.
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Chung, Daewon, Woon Cho, Yunsun Kim, and Joonhyeon Jeon. "A Flexible and Simple Lossless DWT Filter Bank Using a MAXFLAT FIR Half-Band Filter." Applied Sciences 12, no. 18 (September 13, 2022): 9166. http://dx.doi.org/10.3390/app12189166.
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This paper describes a simple, lossless and computationally efficient two-band single (s-) filter bank that creates an opposite band output by subtracting the primary filtered data from the original data. For computationally efficient and error-free s-filter bank achievement, a maximally flat (MAXFLAT) half-band filter with zero odd-order coefficients is characterized from a unique perfect reconstruction condition, and an explicit impulse–response formula (for non-zero integer coefficients of even order) is derived in a closed form of the filter. The examples are shown to provide a complete and accurate solution for the design of such s-filter banks. In addition, the effectiveness of the proposed s-filter banks is clearly verified by comparing the lossless 5/3 and lossy 9/7 filter banks (in the JPEG2000). The simulation results show that the s-filter banks lead to better performance than the JPEG2000 filter banks using two filters although allowing low computational complexity of less than 50%. This new approach is shown to provide significant advantages over existing lossless discrete wavelet transform (DWT) filter banks in both design flexibility and computational complexity.
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Nizami oğlu İslamzadə, Sarvan. "The place and role of commercial banks in economic development." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 168–72. http://dx.doi.org/10.36719/2663-4619/76/168-172.
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Kommersiya banklarının əsas funksiyası əhalidəki pul kütləsini əmanət kimi toplamaq və onlarla müştərilərinə qısamüddətli kreditlər vermək olan banklardır. Bunlara bəzən depozit bankları da deyirlər. Banklar emissiya bankları, investisiya və inkişaf bankları, xüsusi təyinatlı banklar və kommersiya bankları kimi bir neçə növləri olduğu zaman, əksər ölkələrdə kommersiya bankları ən böyük payı təşkil edir. Onlar topladıqları vəsaitin bir hissəsini (mərkəzi bank tərəfindən müəyyən edilən depozit ehtiyatı tələbləri) gündəlik ehtiyaclar üçün ehtiyat kimi ayırır, qalan hissəsini isə ticarət və sənaye yerləşdirmələrində istifadə edirlər. Kommersiya banklarının digər əsas xüsusiyyəti isə əmanətçilərlə sıx əlaqə saxlamağıdır. Açar sözlər: bank, kommersiya bankı, kredit, istehlak krediti Sarvan Nizami Islamzade The place and role of commercial banks in economic development Abstract The main function of commercial banks is to collect money from the population as deposits and to provide short-term loans to dozens of customers. These are sometimes called deposit banks. While there are several types of banks, such as issuing banks, investment and development banks, special purpose banks, and commercial banks, in most countries, commercial banks account for the largest share. They allocate part of their savings (deposit reserve requirements set by the central bank) as a reserve for daily needs, and use the rest for commercial and industrial installations. Another key feature of commercial banks is their close contact with depositors. Key words: bank, commercial bank, loan, consumer loan
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Kieu Oanh Dao, Le, Thi Yen Nguyen, Sarfraz Hussain, and Van Chien Nguyen. "Factors affecting non-performing loans of commercial banks: the role of bank performance and credit growth." Banks and Bank Systems 15, no. 3 (August 13, 2020): 44–54. http://dx.doi.org/10.21511/bbs.15(3).2020.05.
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The recent crisis of non-performing loans in the banking system has hit the Vietnamese economy hard. The GDP has been fallen down, while the bad debt ratio in the banking system has risen dramatically to 17.2 percent, and it takes more time to restore the economy and banking system. This research aims to define aspects that impact non-performing commercial bank loans in Vietnam. It covers the period of 2008–2017 using 200 identified banks of Ho Chi Minh City Stock Exchange and Hanoi Stock Exchange, and applies methods based on the regression of pooled ordinary least squares, fixed and random effects models, in particular, generalized least squares to confirm the stability of the regression model. The results show that non-performing loans this year will positively affect those in the next year. In addition, a raise in bank performance and credit growth also leads to the reduction in non-performing loans from banks. Regarding macroeconomic factors, higher interest rates would have a major and beneficial influence on failed loans in terms of macroeconomic dynamics, and, therefore, little effect on economic activity and inflation. Therefore, Vietnamese banking system should reduce the systematic risk and improve monitoring processes, drawing on the experience of global banks with extensive experience in risk management.
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Hopt, Klaus J. "Corporate Governance of Banks and Financial Institutions: Economic Theory, Supervisory Practice, Evidence and Policy." European Business Organization Law Review 22, no. 1 (March 2021): 13–37. http://dx.doi.org/10.1007/s40804-020-00201-z.
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AbstractBanks are special, and so is the corporate governance of banks and other financial institutions. Empirical evidence, mostly gathered after the financial crisis, confirms this. Banks practicing good corporate governance in the traditional, shareholder-oriented style fared less well than banks having less shareholder-prone boards and less shareholder influence. The special governance of banks and other financial institutions is firmly embedded in bank supervisory law and regulation. Most recently there has been intense discussion on the purpose of (non-bank) corporations. For banks stakeholder governance and, more particularly, creditor or debtholder governance is more important than shareholder governance. The implications of this for research and reform are still uncertain. A key problem is the composition and qualification of the board. The legislative task is to enhance independent as well as qualified control. The proposal of giving creditors and even supervisors a special seat in the board is not convincing. Other important special issues of bank governance are for example the duties and liabilities of bank directors in particular as far as risk and compliance are concerned, but also the remuneration paid to bank directors and senior managers or key function holders. Claw-back provisions, either imposed by law or introduced by banks themselves, exist already in certain countries and are beneficial. Much depends on enforcement, an understudied topic.
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Wijayani, Dianing Ratna. "Kepercayaan Masyarakat Menabung pada Bank Umum Syariah." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 8, no. 1 (June 1, 2017): 1. http://dx.doi.org/10.18326/muqtasid.v8i1.1-12.
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The main basis of banking activity is trust, in both the collection of funds and distribution of funds. People will save their money in the bank if it is based on trust. In this function, it will be built trust by both the depositors and the bank staff, and this trust will continue to debtors. This trust is important to establish because in these circumstances all parties want to get benefits from some aspects. In other words, the higher the public trust, the higher the third party funds which will get in the bank. The purpose of this research is to analyze the influence of Sharia Supervisory Board, profitability, and cost of promotions toward public trust in Islamic Banks. The populations of this study are all commercial Syaria banks in period of 2011-2013, with a purposive sampling technique and obtained sample of 11 banks. The type of data used in this research is secondary data, similar documentation of the financial statements of Islamic banks in 2011-2013. Results of analysis using multiple regression are: The sharia supervisory board has influence toward public trust in saving money in Islamic banks, this indicates that the sharia supervisory board will presume that the professionalism and intensity of supervision of Islamic banks are higher, so the trust level of saving money in Islamic banks are higher, Profitability has no effect on public trust in saving money in Islamic banks, and they do not pay much attention to profit, this indicates that people who save money in Islamic banks pay more attention to the security of the liberation from the shackles of usury. Promotion cost has effect on public trust in Islamic banks, this indicates that people who save money in Islamic banks pay less attention to profits and is considered usury by Muslims, so bank benefits are not paid much attention to profits, and they pay more attention to the security in order to prevent usuryDasar utama kegiatan perbankan adalah kepercayaan (trust), baik dalampenghimpun dana maupun penyaluran dana. Masyarakat akan mau menyimpan dana dananya di bank apabila dilandasi kepercayaan. Dalam fungsi ini akan di bangun kepercayaan baik dari pihak penyimpan dana maupun dari pihak bank dan kepercayaan ini akan terus berlanjut kepada pihak debitor. Kepercayaan ini penting dibangun karena dalam keadaan ini semua pihak ingin merasa diuntungkan baik dari segi penyimpangan dana, penampung dana maupun penerima penyaluran dana tersebut. Dengan kata lain, semakin tinggi kepercayaan masyarakat maka semakin tinggi pula dana pihak ketiga (DPK) yang akan masuk pada bank tersebut.Tujuan dalam penelitian ini adalah untuk menganalisa pengaruh Dewan Pengawas Syariah (DPS), profitabilitas dan biaya promosi terhadap kepercayaan masyarakat menabung di Bank Umum Syariah. Populasi dalam penelitian ini adalah seluruh bank umum Syariah periode 2011-2013, dengan teknik pengambilan sampel purposive sampling diperoleh sampel sebanyak 11 bank. Jenis data yang dipergunakan adalah data sekunder, serupa dokumentasi laporan keuangan bank syariah tahun 2011-2013. Hasil analisis dengan menggunakan regresi berganda adalah: Dewan pengawas syariah berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa adanya dewan pengawas syariah akan memberikan asumsi profesionalisme dan intensitas pengawasan bank syariah semakin tinggi, sehingga tingkat kepercayaan menabung di bank syariah tersebut semakin tinggi. Profitabilitas tidak berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah tidak terlalu memperhatikan laba, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah lebih memperhatikan keamanan dari sisi terbebasnya dari jeratan ribawi. Biaya promosi berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah kurang memperhatikan laba dan dianggap riba oleh umat islam, sehingga keuntungan bank tidak terlalu memperhatikan laba, mereka lebih memperhatikan keamanan dari sisi terbebasnya jeratan ribawi
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Wijayani, Dianing Ratna. "Kepercayaan Masyarakat Menabung pada Bank Umum Syariah." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 8, no. 1 (June 1, 2017): 1. http://dx.doi.org/10.18326/muqtasid.v8i1.1-17.
Full textAbstract:
The main basis of banking activity is trust, in both the collection of funds and distribution of funds. People will save their money in the bank if it is based on trust. In this function, it will be built trust by both the depositors and the bank staff, and this trust will continue to debtors. This trust is important to establish because in these circumstances all parties want to get benefits from some aspects. In other words, the higher the public trust, the higher the third party funds which will get in the bank. The purpose of this research is to analyze the influence of Sharia Supervisory Board, profitability, and cost of promotions toward public trust in Islamic Banks. The populations of this study are all commercial Syaria banks in period of 2011-2013, with a purposive sampling technique and obtained sample of 11 banks. The type of data used in this research is secondary data, similar documentation of the financial statements of Islamic banks in 2011-2013. Results of analysis using multiple regression are: The sharia supervisory board has influence toward public trust in saving money in Islamic banks, this indicates that the sharia supervisory board will presume that the professionalism and intensity of supervision of Islamic banks are higher, so the trust level of saving money in Islamic banks are higher, Profitability has no effect on public trust in saving money in Islamic banks, and they do not pay much attention to profit, this indicates that people who save money in Islamic banks pay more attention to the security of the liberation from the shackles of usury. Promotion cost has effect on public trust in Islamic banks, this indicates that people who save money in Islamic banks pay less attention to profits and is considered usury by Muslims, so bank benefits are not paid much attention to profits, and they pay more attention to the security in order to prevent usuryDasar utama kegiatan perbankan adalah kepercayaan (trust), baik dalampenghimpun dana maupun penyaluran dana. Masyarakat akan mau menyimpan dana dananya di bank apabila dilandasi kepercayaan. Dalam fungsi ini akan di bangun kepercayaan baik dari pihak penyimpan dana maupun dari pihak bank dan kepercayaan ini akan terus berlanjut kepada pihak debitor. Kepercayaan ini penting dibangun karena dalam keadaan ini semua pihak ingin merasa diuntungkan baik dari segi penyimpangan dana, penampung dana maupun penerima penyaluran dana tersebut. Dengan kata lain, semakin tinggi kepercayaan masyarakat maka semakin tinggi pula dana pihak ketiga (DPK) yang akan masuk pada bank tersebut.Tujuan dalam penelitian ini adalah untuk menganalisa pengaruh Dewan Pengawas Syariah (DPS), profitabilitas dan biaya promosi terhadap kepercayaan masyarakat menabung di Bank Umum Syariah. Populasi dalam penelitian ini adalah seluruh bank umum Syariah periode 2011-2013, dengan teknik pengambilan sampel purposive sampling diperoleh sampel sebanyak 11 bank. Jenis data yang dipergunakan adalah data sekunder, serupa dokumentasi laporan keuangan bank syariah tahun 2011-2013. Hasil analisis dengan menggunakan regresi berganda adalah: Dewan pengawas syariah berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa adanya dewan pengawas syariah akan memberikan asumsi profesionalisme dan intensitas pengawasan bank syariah semakin tinggi, sehingga tingkat kepercayaan menabung di bank syariah tersebut semakin tinggi. Profitabilitas tidak berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah tidak terlalu memperhatikan laba, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah lebih memperhatikan keamanan dari sisi terbebasnya dari jeratan ribawi. Biaya promosi berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah kurang memperhatikan laba dan dianggap riba oleh umat islam, sehingga keuntungan bank tidak terlalu memperhatikan laba, mereka lebih memperhatikan keamanan dari sisi terbebasnya jeratan ribawi
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Franco, C. Eugine, and G. Bright Jowerts. "SERVICE QUALITY OF PUBLIC AND PRIVATE SECTOR BANKS IN TIRUNELVELI DISTRICT." International Journal of Research -GRANTHAALAYAH 5, no. 5(SE) (May 31, 2017): 42–52. http://dx.doi.org/10.29121/granthaalayah.v5.i5(se).2017.1966.
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Service Quality of the banks referred as an obligation of all banks to fulfill the objectives and needs of the customers. Service quality in private sector banks is good compare to public sector banks. The various issues the banks are not able to provide immediate response to customers, service time duration is more, long queue deposit the money, waiting for long time, staff behavior is not good, especially public sector banks are not providing multitude services like payment of bills, payment of tax, Banc assurance etc. and problem relating to banking service such as bank statements, error in the statements are not provided immediate response to customers. The scope of this research is to identify the service quality of public and private sector banks in Tirunelveli district. This study only focuses on the dimensions of service quality i.e. reliability, assurance, tangibility, empathy and responsiveness. The study was done taking two types of banks such as public and private sector banks in Tirunelveli district into consideration. The survey was restricted to the bank customers in Tirunelveli district only. As the population size is infinite, 672 respondents are selected as sample among the population using stratified random sampling. The sample has been stratified as 528 from public sector bank customers and 144 from private sector bank customers in Tirunelveli district.
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Salehi, Mandi, and Ali Mansouri. "BANKING CRISES: EMPIRICAL EVIDENCE OF IRANIAN BANKERS." Indonesian Management and Accounting Research 8, no. 2 (November 10, 2016): 27–38. http://dx.doi.org/10.25105/imar.v8i2.1282.
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"Bank" is a term people use broadly to refer to many different types of financial institutions Banks generally, accept deposits and make loans. Deposits are money people leave in an institution with the understanding that they can get it back at any time or at an agreed-upon future time. A loan is money let out to a borrower to be generally paid back with interest. This action of taking deposits and making loans is called financial intermediation. In the view of the fact, banks like other institutions looking for benefit and income. This survey shows after interfering Iranian government to banking sector the going concern of Iranian banks became sustainable. This condition create some problems to Iranian economic, especially it caused higher level of inflation in Iran.Key Words: Bank crises, Survival, Inflation
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Ansari, Jugnu, and Saibal Ghosh. "Monetary Policy Pass-through, Ownership and Crisis: How Robust is the Indian Evidence?" Margin: The Journal of Applied Economic Research 15, no. 4 (November 2021): 456–83. http://dx.doi.org/10.1177/09738010211036276.
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Employing disaggregated data for 2001–2016, this study investigates the lending and loan pricing behaviour of state-owned and domestic private banks in response to monetary policy. Three major findings emerge. First, although both the interest rate and the bank lending channels are relevant for monetary pass-through, there is a trade-off: the impact of the former is much higher than the latter, although it occurs with a significant lag. Second, domestic private banks have a far greater response to a monetary policy shock under the interest rate channel, whereas state-owned banks display a greater response under the bank-lending channel. And finally, state-owned banks cut back lending during periods of crises, although no such response is manifest in domestic private banks. JEL Codes: C23, D4, E43, E52, G21, L10
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Sukhonos, Victor, Yulia Serpeninova, Serhiy Makarenko, Viktoriia Levkulych, and Galina M. Kolisnyk. "Audit of banks as public interest entities: Segmentation and conjuncture of the bank audit market in Ukraine." Banks and Bank Systems 16, no. 1 (March 23, 2021): 138–51. http://dx.doi.org/10.21511/bbs.16(1).2021.13.
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An important factor in restoring the confidence of financial consumers in banks is to provide auditors with credible and detailed financial statements and their solvency. This study is a pilot step in clarifying the auditor’s role in ensuring the banks’ reliability as public interest entities in Ukraine. It is aimed at investigating the segmentation of the banking audit services market in Ukraine and its comprehensive characteristics. Structural and dynamic analysis were applied to investigate market, regional and branch concentration, as well as main trends in bank audit market development within the data and registers of the Audit Chamber of Ukraine (ACU) and 75 annual reports of Ukrainian banks. Key aspects of the bank audit market in Ukraine are highlighted: the potential of the bank audit market, the ability of auditors to provide audit services and current characteristics of market conjuncture. Bank audit market is highly segmented: this study differentiates strong segments of international audit networks, associations and alliances, including Big 4 companies and the segment of weak Ukrainian audit companies. Kyiv and Kyiv region are the dominant economic active regions in terms of the regional bank market concentration and the presence of international audit networks. The study results are the basis for improving the regulation of the banking audit services market by the National Bank of Ukraine and ACU.
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Fajar, Hanifan, and Umanto. "The impact of macroeconomic and bank-specific factors toward non-performing loan: evidence from Indonesian public banks." Banks and Bank Systems 12, no. 1 (March 24, 2017): 67–74. http://dx.doi.org/10.21511/bbs.12(1).2017.08.
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The present study focuses on the need for banking sector to be more reactive when facing globalization that could bring impact on banking industries complexity. Based on empirical studies, there is a need to analyze non performing loan determinants comprehensively using macroeconomic and bank-specific factors to make a good condition on bank, because combining macroeconomic and bank-specific variable as NPL determinants has made a big improvement to analyze NPL. The object of present study is 20 Banks listed in Indonesia Stock Exchange (IDX) between q12005-q42014. Using dynamic panel data GMM-system method shows that the previous period of NPL (non performing loan), change of PDB (Gross Domestic Product) and inflation rate have a significantly negative impact on NPL. However, BOPO (Operations Expenses to Operations Income) and ROE (Return on Equity) has a significantly positve relationship to NPL. On the other hand, this research does not find any significance on BI rate (interest rate), solvency ratio, and size to NPL. From the result, it can be concluded that combining macroeconomic and bank-specific variable could be an alternative method to analyze NPL determinants on bank. Keywords: nonperforming loans, banks, credit risk, globalization, dynamic panel data, banking industries. JEL Classification: G21, E44, E51, E5, F60
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Sari, Tuğba, and İhsan Erdem Kayral. "Applying a two-stage TOPSIS approach and stepwise regression in evaluating bank performance: evidence from Turkish banks." Banks and Bank Systems 14, no. 4 (December 13, 2019): 114–25. http://dx.doi.org/10.21511/bbs.14(4).2019.11.
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As a crucial component of the financial sector, banks play an intermediary role in creating and providing financial services to customers. Therefore, the evaluation of banking sector activity is important for stakeholders and managers. This paper investigates the key criteria in analyzing bank performance and efficiency and the relative performance of Turkish banks in terms of the pre-determined criteria during 2008–2018. This study aims to introduce a robust and easy-to-calculate mathematical model for estimating bank performance using stepwise regression and TOPSIS methods. The TOPSIS ranking of banks from the best to the worst allows establishing that the bank with the highest mean score is Akbank (AB), while Ziraat Bank (ZB) and Garanti Bank (GB) follow AB over the period. The results of the stepwise regression analysis show that managing non-performing loans and expenses (both personnel and interest expenses) are critical to high performance in the banking sector.
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Agustin, Hamdi, Sri Indrastuti, Amris Rusli Tanjung, and Muhammad Said. "Ownership structure and bank performance." Banks and Bank Systems 13, no. 1 (March 16, 2018): 80–87. http://dx.doi.org/10.21511/bbs.13(1).2018.08.
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The purpose of this study is to evaluate the performance of banks in Indonesia. Specifically, this study has examined the static effect of ownership structure on bank performance in Indonesia over the period 1995–2006. The sample consists of 74 banks, namely 56 private banks, 15 community development banks (BPD), and three federal banks from 1995 to 2006. The data was analyzed using least-squares regression method, the general least squares method, and the method of random effects. The findings of this study show that the BPD performed better compared to private banks. This indicates that BPDs have better performance rather than private banks which is due to the fact that customers can be able to pay loans, they have special knowledge on that area and the performance of BPD is supervised by local government. In addition, the amount of equity, economic growth, financial crisis, and the financial ratios affect the performance of the bank. However, bank status has no effect on bank performance.
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Nedzvedskas, Jonas, and Povilas Aniūnas. "TRANSFORMATIONS IN RISK MANAGEMENT OF CURRENCY EXCHANGE IN LITHUANIAN COMMERCIAL BANKS." Technological and Economic Development of Economy 13, no. 3 (September 30, 2007): 191–97. http://dx.doi.org/10.3846/13928619.2007.9637799.
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After the adoption of International Convergence of Capital Measurement and Capital Standards (widely known as Basel II requirements) in 2004 the risk management in commercial banks has changed dramatically. Lithuanian commercial banks are in transitional period now adapting their risk management systems to Basel II requirements. Market risk is considered one of the key risks in bank risk management structure, so proper management of market risk is essential for a modern bank. Currency exchange risk usually is the main component of market risk. Currency exchange risk management in Lithuanian commercial banks was not good enough; also the Central Bank's regulatory limits were liberal. But after the adoption of Basel II requirements, the entire risk management system is transforming and currency exchange risk management is affected. The objective of this paper is to demonstrate the transformations of currency exchange in Lithuanian commercial banks and propose an effective model for commercial banking. These transformations are performed in the regulatory system imposed by the Central Bank of Lithuania and through transformations of the bank's internal risk management system moving to internal (usually VaR based) models. VaR models are considered as modern methods for risk management. These models proposed by Central bank or other authorities for internal and statutory risk management in commercial banks. In this article, the proposed variation‐covariation VaR model was tested with real data using the back‐testing method. Back‐testing showed that the proposed model is reliable enough, because the number of mismatches was less than 5 % in all tested currency pairs during all testing. In most currency pairs mismatches percentage was lower than 3 %. Back‐testing results confirm that the VaR method is reliable enough for day‐to‐day using by financial institutions and traders.
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Iyer, Rajkamal, and Manju Puri. "Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks." American Economic Review 102, no. 4 (June 1, 2012): 1414–45. http://dx.doi.org/10.1257/aer.102.4.1414.
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We use unique depositor-level data for a bank that faced a run to understand the factors that affect depositor behavior. We find uninsured depositors are most likely to run. Deposit insurance helps, but is only partially effective. Bank-depositor relationships mitigate runs, suggesting that relationship with depositors help banks reduce fragility. In addition, we also find that social networks matter. Finally, we find long-term effects of a solvent bank run in that depositors who run do not return back to the bank. Our results help understand the underlying dynamics of bank runs and hold important policy implications. (JEL D12, G21, O16, Z13)
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Muliani, Dewi Ayu, Suriani Suriani, and Chenny Seftarita. "Determinants of Islamic Banks' Net Income in Middle Eastern Countries." Share: Jurnal Ekonomi dan Keuangan Islam 11, no. 2 (December 19, 2022): 408. http://dx.doi.org/10.22373/share.v11i2.15054.
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ABSTRACT – Income is one of the most important performance indicators for Islamic banks; the higher the income, the better their performances. Among all Islamic financial institutions worldwide, Islamic banks in the Middle East are listed as having the largest assets and income. This study examined how inflation, total assets, foreign investment (FDI), and gross domestic product (GDP) affect Islamic bank net income in the Middle East. The research objects are Islamic banks in the Middle East, with the criteria being the oldest Islamic banks with the largest assets, as determined by the IFSB report. The data were collected on an annual basis (2005-2021) and analyzed with the Panel Vectorautoregressive method. The results show that the current income of Islamic banks will have both positive and negative effects one year earlier. Meanwhile, gross domestic product had a negative impact on the net income of Islamic banks in Middle Eastern countries during the previous two years, whereas total assets had a positive impact during the same time period. In addition, neither inflation nor FDI has any effect on net income. The accumulated assets of Islamic banks in the Middle East are substantial and can be used to increase their net income. Additionally, the GDP has a negative impact on the net income of Islamic banks. This demonstrates that enhancement income from the public did not flow to Islamic banks, but rather was redirected to safer, more profitable, and less risky sectors, such as mutual funds, real estate, and stocks. Therefore, an increase in GDP as well as total assets is necessary in order to increase Islamic banks' net income in the Middle East.========================================================================================================ABSTRAK – Determinan Pendapatan Bersih Bank Syariah di Negara Timur Tengah. Pendapatan adalah salah satu indikator kinerja yang penting bagi bank syariah dimana semakin tinggi nilai incomenya, semakin baik pula kinerjanya. Di antara semua lembaga keuangan syariah di dunia, bank-bank syariah di Timur Tengah tercatat memiliki aset dan pendapatan terbesar. Penelitian ini bertujuan mengindentifikasi pengaruh inflasi, total aset, penanaman modal asing, dan produk domestik bruto (PDB) terhadap pendapatan bersih bank syariah di Timur Tengah. Objek penelitian adalah bank syariah di Timur Tengah dengan kriteria menjadi bank tertua dengan aset terbesar yang ditentukan oleh laporan IFSB. Data dikumpulkan secara tahunan (2005-2021) dan dianalisis dengan metode Panel Vectorautoregessive. Hasil kajian menunjukkan bahwa pendapatan bank syariah saat ini akan memiliki efek positif dan negatif satu tahun sebelumnya. Sementara itu, produk domestik bruto berdampak negatif terhadap pendapatan bersih bank syariah di negara-negara Timur Tengah selama dua tahun sebelumnya, sedangkan total aset berdampak positif dalam periode yang sama. Selain itu, baik inflasi maupun penanaman modal asing tidak berpengaruh terhadap pendapatan bersih. Akumulasi aset bank syariah di Timur Tengah sangat besar dan dapat digunakan untuk meningkatkan pendapatan bersih mereka. Kajian juga menunjukkan bahwa PDB memiliki dampak negatif terhadap pendapatan bersih bank syariah. Hasil ini mengindikasikan bahwa pendapatan masyarakat tidak masuk ke bank-bank syariah, tetapi mengalir ke sektor-sektor yang lebih aman, menguntungkan, dan kurang berisiko, seperti reksa dana, real estate, dan saham. Oleh karena itu, peningkatan PDB serta total aset diperlukan untuk meningkatkan laba bersih bank syariah di Timur Tengah.
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Abdul-Jabbar, Jassim M., and Sama N. M. Al-Faydi. "FPGA Implementations of Bireciprocal Lattice Wave Discrete Wavelet Filter Banks." Tikrit Journal of Engineering Sciences 19, no. 2 (June 30, 2012): 50–62. http://dx.doi.org/10.25130/tjes.19.2.06.
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In this paper, a special type of IIR filter banks; that is the bireciprocal lattice wave digital filter (BLWDF) bank, is presented to simulate scaling and wavelet functions of six-level wavelet transform. 1st order all-pass sections are utilized for the realization of such filter banks in wave lattice structures. The resulting structures are a bireciprocal lattice wave discrete wavelet filter banks (BLW-DWFBs). Implementation of these BLW-DWFBs are accomplished on Spartan-3E FPGA kit. Implementation complexity and operating frequency characteristics of such discrete wavelet 5th order filter bank is proved to be comparable to the corresponding characteristics of the lifting scheme implementation of Bio. 5/3 wavelet filter bank. On the other hand, such IIR filter banks possess superior band discriminations and perfect roll-off frequency characteristics when compared to their Bio. 5/3 wavelet FIR counterparts.
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Mohammad Obeid Gharaibeh, Ahmad, and Mohammad Omar Farooq. "Determinants of bank lending rates: Empirical evidence from conventional retail banks in Bahrain." Banks and Bank Systems 17, no. 4 (December 19, 2022): 140–53. http://dx.doi.org/10.21511/bbs.17(4).2022.12.
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The study attempts to identify the determinants of lending rates in the Kingdom of Bahrain. It examines the impact of certain macroeconomic and banks’ aggregate data variables on the level of interest rates on loans charged by Bahraini conventional retail banks using quarterly data for the period from the 4th quarter of 2012 to the 4th quarter of 2021. The study tests the impact of a consumer price index (CPI), GDP growth rates, loan-to-total assets (loan ratio), liquid assets as a proportion of total assets (liquidity position), personal lending rate, loan-to-deposit ratio, money supply (M2) growth, non-performing loans (NPL) ratio, and return on assets (ROA) on banks’ lending rates. The study is mainly based on data retrieved from the publications of the Central Bank of Bahrain and the CEIC Data Global Database. The study uses EViews 12 The results reveal that CPI, liquidity position, the lending rate for personal loans, deposit ratio, and return on assets are the major determinants of bank lending rates to businesses. The study found that GDP growth, money supply growth, and non-performing loans ratio are insignificant in determining the lending rate to businesses in Bahrain. In addition to yielding insights to the respective authorities, this study also helps creditors, investors, and borrowers predict interest rates and thus manage their assets and liabilities more efficiently.
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Zakir oğlu Şükürov, Nurlan. "Quality of banking products and services." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 69–73. http://dx.doi.org/10.36719/2663-4619/76/69-73.
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Müasir bazar iqtisadiyyatı şəraitində bankların fəaliyyəti və banklar vasitəsilə əhaliyə təqdim olunan məhsullar və xidmətlər öz aktuallığını artırır. Aydın məsələdir ki, müştəri qismində çıxış edən fiziki və hüquqi şəxslər öz tələbatlarını təmin etmək məqsədilə bank məhsullarını əldə etməyə cəhd edirlər. Bu səbəbdən də hər bir müştəri banka müraciət etməmişdən daha öncə ona lazım olan bank məhsulu haqqında məlumat toplamağa başlayır. Belə olan təqdirdə isə banklar öz məhsulları haqqında olan bütün informasiyaları ictimaiyyətə açıq formada paylaşmalıdırlar ki, əhalinin ayrı-ayrı kütlələri bank məhsulları ilə əlaqədar bütün informasiyaları tam şəkildə əldə edə bilsinlər. Tədqiqat işinin əsas məqsədi bank məhsullarının mahiyyəti, eləcə da bank məhsul və xidmətlərinin keyfiyyətinin tədqiq olunmasıdır. Açar sözlər: bank, bank məhsulu, kredit kartlar Nurlan Zakir Shukurov Quality of banking products and services Abstract In a modern market economy, the activities of banks and the products and services provided to the population through banks are becoming increasingly important. It is clear that individuals and legal entities acting as customers try to obtain banking products to meet their needs. For this reason, each customer begins to gather information about the banking product he needs before applying to the bank. In this case, banks should share all information about their products in an open manner so that certain sections of the population have full access to all information related to banking products. The main purpose of the research is to study the essence of banking products, as well as the quality of banking products and services. Key words: bank, banking product, credit cards
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Goodlife Ntuli, Mbuyiseni. "An evaluation of bank acquisition using an accounting based measure: a case of Amalgamated Bank of South Africa and Barclays Bank Plc." Banks and Bank Systems 12, no. 1 (May 5, 2017): 160–65. http://dx.doi.org/10.21511/bbs.12(1-1).2017.09.
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In 2005, Barclays Bank Plc acquired 56.4 percent stake of Amalgamated Bank of South Africa (ABSA). The performance of this acquisition has never been evaluated. Therefore, the purpose of this article is to evaluate the performance of the acquired ABSA through an accounting based measure. The primary source of data was the 2004-2015 ABSA audited financial statements. The audited financial statements are publicly available. The period 2004-2015 includes a period before, during and after the acquisition. In this article, a financial statement analysis method through accounting based measure was the preferred research method. The financial statement analysis method was preferred because of its strength and ability to assess viability, stability and profitability by using formulae, ratios and calculations. Therefore, this article used financial formulae and ratios as acceptable accounting based measures to evaluate the performance of the acquired ABSA. The major finding is that the acquired ABSA is doing better than at the pre-acquisition stage and the share price of the acquired ABSA has been increasing since 2005 to 2015.
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Rusydiana, Aam Slamet, and Fatin Fadhilah Hasib. "Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process." Economica: Jurnal Ekonomi Islam 10, no. 1 (July 31, 2019): 165. http://dx.doi.org/10.21580/economica.2019.10.1.2846.
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<p>The Islamic banking industry is currently one of the main indicators of the development of Islamic economics in Indonesia. In Islamic banking issue, one of the important issues is related to people's preferences and behavior towards Islamic banks. The study of the criteria for selecting a bank has been the concern of many bank marketing researchers. Compared to conventional, such studies are relatively minimal, especially in Indonesia. This study tries to analyze the preferences and behavior of criteria for selection of Islamic banks in Indonesia through the Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of Islamic banks in Indonesia are service factors and religiosity factors or the suitability of banks with sharia principles. Therefore, Islamic banks need to constantly improve the quality of services both services and products so that they can compete with conventional banks.</p><p>Industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi Islam di Indonesia. Dalam masalah perbankan syariah, salah satu masalah penting adalah terkait dengan preferensi dan perilaku pemilihan masyarakat terhadap bank syariah. Studi tentang kriteria pemilihan bank syariah telah menjadi perhatian banyak peneliti. Studi tersebut relatif minimal jika dibandingkan dengan bank konvensional, terutama di Indonesia. Penelitian ini mencoba menganalisis preferensi dan perilaku pemilihan kriteria bank syariah di Indonesia melalui pendekatan Analytical Network Process (ANP). Hasilnya menyimpulkan bahwa kriteria yang paling prioritas yang mempengaruhi nasabah dalam memilih bank syariah di Indonesia adalah faktor layanan dan faktor religiusitas atau kesesuaian bank dengan prinsip syariah. Oleh karena itu, bank syariah perlu terus meningkatkan kualitas layanan baik produk maupun jasa sehingga mereka dapat bersaing dengan bank konvensional.</p>
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Wysocka, Ewa. "Ewolucja regulacji prawnych w bankowości spółdzielczej w Polsce." Studia Iuridica 72 (April 17, 2018): 431–56. http://dx.doi.org/10.5604/01.3001.0011.7646.
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Cooperative banking in Poland has more than 150 years of tradition, going back to the period of Partitions. The first Polish credit associations and cooperatives were established in Greater Poland in the years 1861–1862, in the fashion of credit cooperatives for farmers established by Friedrich Raiffeisen and the so-called cooperative “people’s banks” associating craftsmen, that were founded by Franz Schultze. In 1899, on the territory of the Austrian Partition, small credit institutions, the so-called “Stefczyk Savings Unions” (“Kasy Stefczyka”), were created, associating mainly farmers, In the period of the Second Polish Republic (1918–1939), Polish Agricultural Bank (Polski Bank Rolny) was established in Warsaw (1919). The bank’s task was to provide financial backing for agriculture, and in 1921 it was transformed into State Agricultural Bank (Państwowy Bank Rolny), only to become Agricultural Bank (Bank Rolny) in 1948. It was replaced by Food Economy Bank (Bank Gospodarki Żywnościowej), called into being in 1975 as a financial head office for cooperative banks which originated from saving and loan cooperatives. In the period of the Polish People’s Republic (1952–1989), state-cooperative banking was in place. The system and economy transformations that took place after 1989 caused crisis and the necessity of state intervention in the Polish cooperative banking. In the years 1990–1994 efforts were made to fix the cooperative banking system through implementation of the Act of June 24, 1994 on restructuring of cooperative banks and Food Economy Bank and on amendments to certain acts. Food Economy Bank was transformed into a joint-stock company as a bank of the National Association of cooperative banks. Besides, nine regional associations were established in the form of a joint-stock company of cooperative banks, which became shareholders of the national bank. The system and functioning of cooperative banks are currently governed by: Banking Law Act of August 29, 1997, Cooperative Law Act of September 16, 1982 and the Act of December 7, 2000 on functioning of cooperative banks, associating thereof and associating banks. The structure of cooperative banking was based on the division into cooperative banks and associating banks. Two associations of cooperative banks are currently operating in Poland: Bank of the Polish Cooperative Movement (Bank Polskiej Spółdzielczości S.A.) with its seat in Warsaw and Cooperative Banking Group – Bank (Spółdzielcza Grupa Bankowa – Bank S.A.) with its seat in Poznań. All the cooperative banks are covered by the Bank Guarantee Fund and under supervision of the Financial Supervision Authority. In 2015 the Act of December 7, 2000 on functioning of cooperative banks, associating thereof and associating banks was amended due to the changes implemented in the European Union Law (the so-called CRD IV/CRR package). Financial security of cooperative banks was increased through establishment of the Institutional Protection Scheme (IPS). Cooperative banks are an important element for development of the entire Polish banking system. Therefore, the financial supervision over the entire system of banking and Cooperative Savings and Credit Unions (SKOK) should be conducted in appropriate manner.
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Ulum, Khozainul. "MEKANISME PENENTUAN MARGIN PADA TRANSAKSI PEMBIAYAAN MURABAHAH." Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam 8, no. 2 (December 28, 2020): 20–36. http://dx.doi.org/10.37812/aliqtishod.v8i2.160.
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Sharia banks, one of which activities are channeling funds with the principle of Murabahah (Buy-Sell), of course carry out these transactions in accordance with applicable regulations, namely in accordance with the DSN fatwa No. 04 / DSN-MUI / IV2000 regarding Murabahah, which is the contract used in the sale and purchase of goods by stating the cost of goods and the profit (margin) agreed upon by the seller and the buyer. In murabahah in Islamic banks, we as customers have agreed with the bank to buy goods, where the goods are first purchased by the Islamic bank, then sell them back to customers with a predetermined and mutually agreed rate of profit margin. At first glance, we do not see a difference in the amount of installments between installments at conventional banks and those in Islamic banks. What we need to underline here is the form / scheme of each type of channeling funds from the bank. For conventional banks, banks channel funds by providing credit / loans in the form of money. This means that here a conventional bank sells its money in the hope of a profit rate determined by interest. Meanwhile, Islamic banks distribute funds in the form of sale and purchase, where the BS buys an asset / asset which then sells it back to the customer at the level of profit that has been agreed at the beginning. Where according to PBI No. 7/46 / PBI / 2005 that "the agreement margin must be determined once at the beginning of the contract and does not change during the contract period". This shows that there will be no change in installments during the financing period with the Indonesian murabahah scheme
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Aviva, Itsla Yunisva, Utari Evy Cahyani, and Rizal Ma’ruf Amidy Siregar. "Why Do Palangka Raya Muslim Societies Patronize Islamic Banks?" Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 9, no. 1 (June 14, 2021): 1–17. http://dx.doi.org/10.24952/masharif.v9i1.3847.
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Abstract The purpose of this paper is to investigate the constructs of Planned Behavior Theory in selection criteria for Islamic banks employed by Palangka Raya Muslim societies. This is survey based-study conducted on the primary data collected through structured questionnaire. Data are gathered from 124 customers of Islamic banks in Palangka Raya. This research uses multiple regression with attitude, subjective norm, and perceived behavioral control as independent variables. The results reveal that attitude and perceived behavioral control has a positive influence on intention to patronize Islamic banks in Palangka Raya. While subjective norms have no influence. This study implies that Islamic banks in Palangka Raya should be more active in portraying themselves in good image of the Islamic banking practice. Establishing a good image plays significant role in determining the attitude of the customers about Islamic banking services. Islamic banks must provide the best experience to customers to be more loyal.AbstrakTujuan dari makalah ini adalah untuk mengetahui konstruksi teori perilaku yang direncanakan dalam kriteria pemilihan bank syariah pada masyarakat Muslim Palangka Raya. Studi ini berbasis survei yang dilakukan terhadap data primer yang dikumpulkan melalui kuesioner terstruktur. Data dikumpulkan dari 124 nasabah bank syariah di Palangka Raya. Penelitian ini menggunakan regresi berganda dengan variabel sikap, norma subjektif, dan kontrol perilaku yang dipersepsikan sebagai variabel bebas. Hasil penelitian menunjukkan bahwa attitude dan perceived behavioral control berpengaruh positif terhadap niat untuk menggandeng bank syariah di Palangka Raya. Sedangkan norma subjektif tidak berpengaruh. Penelitian ini mengimplikasikan bahwa bank syariah di Palangka Raya harus lebih aktif dalam menampilkan citra diri yang baik dalam praktik perbankan syariah. Membangun citra yang baik berperan penting dalam menentukan sikap nasabah terhadap layanan perbankan syariah. Bank syariah harus memberikan pengalaman terbaik kepada nasabah agar lebih loyal.
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Sopiyanti, Vina, Muhammad Iqbal Fasa, and Suharto Suharto. "ANALISIS PERAN PEMBIAYAAN BANK SYARIAH TERHADAP PRODUKTIVITAS MASYARAKAT DI ERA DIGITAL." I-ECONOMICS: A Research Journal on Islamic Economics 7, no. 2 (January 24, 2022): 112–23. http://dx.doi.org/10.19109/ieconomics.v7i2.10335.
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This study examines the role of Islamic bank financing on community productivity. This study observes that Islamic bank financing has a more significant influence on company growth. Stakeholders such as managers and investors are expected to change their views on Islamic bank financing, which is currently seen as part of a religious practice. This can lead to the use of Islamic bank financing by companies.[1] Islamic banks can play a role in improving people's welfare. Through the intermediation function, Islamic banks can collect funds and channel them back to the community in the form of financing for productive purposes. The purpose of this study is to determine the relationship between Islamic bank financing and community productivity in the digital age and the impact of Islamic bank financing on the Indonesian economy in the digital age. This study uses descriptive qualitative and literature study through the readings of previous researchers. The results of this study reveal that Islamic bank financing plays a role in increasing economic activity and employment. Islamic bank financing provides a positive role to improve economic activities in each sector.
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Faizatunazilla, Aulia Julian, and Siti Jamilah. "DRAMATURGY: RIBA ON HOME OWNERSHIP LOAN IN ISLAMIC BANKING (CASE STUDY ON BANK BTN SYARIAH KCPS CIPUTAT, TANGERANG SELATAN)." BASKARA : Journal of Business and Entrepreneurship 3, no. 1 (January 26, 2021): 25. http://dx.doi.org/10.24853/baskara.3.1.25-34.
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The purpose of this study was to determine usury behavior in the Housing Loan or Credit in Islamic banks and to determine the application of the existing contract system in Housing Loans in Islamic banks using the dramaturgy method. The data used in this study is primary data, where researchers conducted interviews directly with the Bank BTN Syariah KCPS Ciputat, a member of the Sharia Supervisory Board and one of the customers who used a House Ownership Credit product at an Islamic bank. The results of this study can be concluded that the front stage that the bank shows to the public is in accordance with the back stage that the bank does not show to the public and Bank BTN Syariah KCPS Ciputat conducts its business in accordance with Islamic law and the fatwa of the National Sharia Council. So that in this study Bank BTN Syariah KCPS Ciputat does not have usury in its business.
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Maarand, Märt. "Bank Recovery and Resolution Measures’ Restrictive Effects on Appealing Against Them." Juridica International 30 (October 13, 2021): 164–73. http://dx.doi.org/10.12697/ji.2021.30.18.
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The article is intended as a step forward from considering only the noble objectives and positive effects associated with the authorities’ bank recovery and resolution powers, for revealing also the inherent effects of these powers on the possibility of banks fighting back against the powers’ unlawful application. Specifically, while the Bank Recovery and Resolution Directive (BRRD) sets out the general rule that, under its regime, a bank should have the right to appeal against authorities’ actions, some of the measures established under the BRRD have a natural effect of greatly diminishing bank managers’ motivation to appeal or even completely eliminate any independent decision-making capabilities. This includes choices of whether to file an appeal. This article shows that the properties or outcomes connected with some recovery and resolution measures specified in the BRRD reduce banks’ right of appeal to a fiction and may leave possibilities for uncontrolled unlawful application of powers by the supervisory and resolution authorities.
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Chen, Yining, Charlotte Thompson, and Michael Collins. "Controls on creek margin stability by the root systems of saltmarsh vegetation, Beaulieu Estuary, Southern England." Anthropocene Coasts 2, no. 1 (January 1, 2019): 21–38. http://dx.doi.org/10.1139/anc-2018-0005.
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The retreat of cliffs (lateral expansion) within tidal creeks results in a net loss of saltmarshes, but this retreat process can be retarded by root systems. To understand the interaction between root presence and bank sediment, quantitative measurements of two saltmarsh species root systems (Atriplex portulacoides and Juncus maritima) were carried out in a saltmarsh in Southern England, and their relationships with bank stability were examined. Computed Tomography (CT) Scanning techniques were used to investigate three-dimensional root architecture. The data obtained (e.g., root volume, diameter, and distribution patterns of roots) were examined alongside more traditional root density measurements. The volumetric percentage, ratio between horizontal (lateral) and vertical roots (H/V ratio), and root diameter distribution are discussed in relation to their influence on bank sediment erosion threshold and shear strength. The results suggest that Atriplex portulacoides is more effective than Juncus maritimus in stabilising banks. This is because root systems that provide a high resistance to flow-induced erosion are better than those that provide a high resistance to gravity-induced erosion in stabilising cliff banks. This conclusion is relevant to future saltmarsh protection and re-establishment.
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Pokidin, Dmytro. "National Bank of Ukraine Econometric Model for the Assessment of Banks’ Credit Risk and Support Vector Machine Alternative." Visnyk of the National Bank of Ukraine, no. 234 (December 25, 2015): 52–72. http://dx.doi.org/10.26531/vnbu2015.234.052.
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Econometric models of credit scoring started with the introduction of Altman’s simple z-model in 1968, but since then these models have become more and more sophisticated, some even use Artificial Neural Networks (ANN) and Support Vector Machine (SVM) techniques. This paper focuses on the use of SVM as a model for default prediction. I start with an introduction to SVM as well as to some of its widespread alternatives. Then, these different techniques are used to model NBU data on banks’ clients, which allows us to compare the accuracy of SVM to the accuracy of other models. While SVM is generally more accurate, I discuss some of the features of SVM that make its practical implementation controversial. I then discuss some ways for overcoming those features. I also present the results of the Logistic Regression (Logit) model which will be used by the NBU.
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Banowati, Mia Muktiana, and Maimun Sholeh. "FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT MENABUNG DI BANK SYARIAH." Jurnal Ekonomi dan Pendidikan 15, no. 1 (October 29, 2018): 20–26. http://dx.doi.org/10.21831/jep.v15i1.20299.
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Penelitian ini bertujuan mengetahui pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah baik secara parsial maupun simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014 Universitas Negeri Yogyakarta. Jumlah anggota populasi yaitu sebanyak 69 Mahasiswa S1 Program Studi Pendidikan Ekonomi Angkatan Tahun 2014. Dengan teknik analisis regresi linear berganda, menunjukkan bahwa terdapat (1) pengaruh positif pemahaman prinsip tabungan syariah terhadap niat menabung di Bank Syariah; (2) pengaruh positif tingkat religiusitas terhadap niat menabung di Bank Syariah; (3) pengaruh positif faktor sosial budaya terhadap niat menabung di Bank Syariah; (4) pengaruh positif persepsi tentang Bank Syariah terhadap niat menabung di Bank Syariah; dan (5) terdapat pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah secara simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014. This study aims to determine the effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks both partially and simultaneously towards the intention to save at a Sharia Bank for the 2014 Yogyakarta State University Economic Education Students. The number of members of the population is as much as 69 S1 students of the 2014 Economic Education Study Program. With multiple linear regression analysis techniques, it shows that there are (1) positive influences on understanding the principle of sharia savings towards the intention to save in Islamic banks; (2) a positive influence on the level of religiosity on the intention to save in Islamic banks; (3) the positive influence of socio-cultural factors on the intention to save in Islamic banks; (4) the positive influence of perceptions of Islamic banks on the intention to save in Islamic banks; and (5) there is an effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks simultaneously towards the intention to save in a Sharia Bank for 2014 Economic Education Students.
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Kinyua, Patrick Karuki, Richard Kiai, and Stephen Muriu. "Moderating effect of bank size on nexus between internal equity capital and financial performance of lower tier commercial banks in Kenya." International Journal of Research in Business and Social Science (2147- 4478) 11, no. 6 (September 12, 2022): 277–87. http://dx.doi.org/10.20525/ijrbs.v11i6.1983.
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The Kenyan banking sector is categorized into three tiers, tier I, II and III based on bank size. The profitability of tier II and III has been declining begging the question as to whether the size of the bank has any influence on the performance of the banks. This study determines the influence of internal equity capital on the financial performance of lower-tier commercial banks in Kenya. The study employed a descriptive and explanatory research design. The study population was 26 commercial banks in Tier II and III commercial banks in Kenya from 2016 to 2020. The average internal equity for lower-tier commercial banks in Kenya was .364 in 2016 and .400 in 2017. In 2018, the internal equity sharply rose to 8.299, which was followed by a small decline to 7.782 in 2019 signifying that in 2018 and 2019, lower-tier commercial banks in Kenya employed more internal equity financing to finance their operations. Through the hierarchical regression, it was established that internal equity has a positive and significant influence on the financial performance of lower-tier commercial banks in Kenya. Bank size does not moderate the effect of internal equity on the net profit margin of lower-tier commercial banks in Kenya (p = .202>0.05; R2 change of 0.07). The study recommends that lower-tier commercial banks need to encourage its shareholders to re-invest back their earnings rather than consuming them as dividends as internal equity is affordable and readily available when the bank is in urgent financial need.
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Caballero, I., J. M. Olano, A. L. Luzuriaga, and A. Escudero. "Spatial coherence between seasonal seed banks in a semi-arid gypsum community: density changes but structure does not." Seed Science Research 15, no. 2 (June 2005): 153–60. http://dx.doi.org/10.1079/ssr2005206.
Full textAbstract:
Seed banks play a crucial role in arid plant communities because they confer stability and long-term persistence. However, seed banks have high temporal and spatial variability, with dramatic changes in density and composition. The aim of this study was to test whether seasonal change affected seed bank community structure and spatial pattern. Moreover, we wanted to know if the effect driven by environmental factors on the seed bank was constant year round. We sampled the seed bank at 188 points along seven parallel transects through a gypsum system in central Spain. Soil samples were taken twice (September and April) in contiguous plots. In each plot we measured environmental parameters, including micro- and macroslope, vegetation band, shrub cover, lichen crust cover and landform. A nearly threefold decrease in seed bank density occurred between September (16,230 seeds m–2) and April (5960 seeds m–2). Seasonal changes in density varied widely among species; however, a seed bank was present for most species at both sampling dates. For several well-studied species (Lepidium subulatum and Helianthemum squamatum), seed losses were within the range of losses by emergence reported in the literature. In both seasons, seed bank composition was controlled mainly by community band and microslope. Sampling season had a significant, but minor effect on seed bank composition. Moreover, a high spatial correlation existed in terms of seed density and richness through the two studied seasons. These results show that the seed bank keeps a constant structure even under substantial variation in density.
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Damjanovic, Sanja, and Ljiljana Milic. "A family of IIR two-band orthonormal QMF filter banks." Serbian Journal of Electrical Engineering 1, no. 3 (2004): 45–56. http://dx.doi.org/10.2298/sjee0403045d.
Full textAbstract:
The design and characteristics of orthonormal two-band QMF filter banks, with perfect reconstruction and linear phase properties, are considered in this paper. The analysis and synthesis filter banks are implemented using all pass filters. Filters in the synthesis bank are ant causal and unstable filters and the block processing technique and an appropriate causal filter are applied for their real time application. The generated filter banks characteristics and the finite block length influence of the block processing technique applied for ant causal filtering are illustrated for a rectangular input signal case. The corresponding wavelet and scaling functions, generated after five iterations of the analysis bank in a low pass branch, are shown.