To see the other types of publications on this topic, follow the link: Bank industry.
Dissertations / Theses on the topic 'Bank industry'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 dissertations / theses for your research on the topic 'Bank industry.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse dissertations / theses on a wide variety of disciplines and organise your bibliography correctly.
1
Kohlbeck, Mark Joseph. "Evidence of franchise value in the banking industry /." Digital version accessible at:, 1999. http://wwwlib.umi.com/cr/utexas/main.
Full text
2
Kojima, Koji. "Determinants of managers' choices in the Japanese banking industry /." Thesis, Connect to this title online; UW restricted, 2004. http://hdl.handle.net/1773/8799.
Full text
3
Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.
Full text
4
Sachin, Nagane G. "Simulation study of selectivity bank in automotive industry." Lexington, Ky. : [University of Kentucky Libraries], 2002. http://lib.uky.edu/ETD/ukymseg2002t00041/completethesis.pdf.
Full textAbstract:
Thesis (M.S.)--University of Kentucky, 2002.<br>Title from document title page. Document formatted into pages; contains viii, 66 p. : ill. Includes abstract. Includes bibliographical references (p. 64-65).
5
Tam, Chiu-han Sandy. "Strategic aspects of information technology in the banking industry in Hong Kong /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B18836215.
Full text
6
Tretyakov, Konstantin Petrovich. "How does banking industry influence economic growth in Latin American countries?" Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/11520.
Full textAbstract:
Mestrado em Finanças<br>In the early 1990's a wave of financial liberalization programs passed by the Latin American region. This paper aims at investigating whether the improved bank efficiency and bank profitability as well as lower concentration in the bank market contributed into economic growth of certain countries in Latin America or not. We estimate bank efficiency via Data Envelopment Analysis (DEA), and Herfindahl-Hirschman Index (HHI) is used to measure bank market concentration. We test the influence of these variables along with bank profitability ratios (Return on Assets and Return on Equity) on Gross Domestic Product and its components using panel estimates. We sample a panel of consolidated accounts of commercial, savings and investment banks of 10 Latin American countries between 1998 and 2012. We find no statistically significant impact of bank efficiency and bank market concentration on economic growth, revealing that economic growth in Latin America is not so dependent on the banking sector as other regions of the world. However bank profitability has statistically significant positive effects on economic growth.
7
Beimborn, Daniel. "Cooperative sourcing : simulation studies and empirical data on outsourcing coalitions in the banking industry /." Wiesbaden : Gabler, 2008. http://www.gbv.de/dms/zbw/546013309.pdf.
Full text
8
Menke, Matthias. "Value creation of private equity funds in the banking industry /." Frankfurt, M. : PE-Verl. für Wirtschaftsinformationen, 2008. http://d-nb.info/992880432/04.
Full text
9
Nagane, Sachin G. "SIMULATION STUDY OF MULTILANE SELECTIVITY BANK IN AUTOMOTIVE INDUSTRY." UKnowledge, 2002. http://uknowledge.uky.edu/gradschool_theses/364.
Full textAbstract:
This study deals with a very common problem encountered in many automotive industries. Automotive companies try to level the production of different models over time based on the demands for these models in the market. In order to achieve this, they introduce a leveled stream of cars in the beginning of the production line. But because of many reasons this leveled stream gets disturbed in its course. In order to re-level the stream, buffers are used between the shops. One such buffer is called as selectivity bank and it sits between paint shop and assembly shop. This buffer receives a disturbed sequence from the paint shop. The thesis tries to develop different algorithms that can be used to discharge cars from this buffer in order to achieve better leveling in the presence of rework and assembly constraints. These algorithms continuously try to steer the system from an undesirable state to a more desirable state by keeping track of current conditions in the plant. A simulation model is developed, which gives a platform for comparing relative performance of these logics under different conditions. The simulation tool is also helpful in designing optimum size of this buffer that will result in desired leveling performance.
10
McPherson, Katrina Louise. "Food insecurity and the food bank industry: a geographical analysis of food bank use in Christchurch." Thesis, University of Canterbury. Geography, 2006. http://hdl.handle.net/10092/1351.
Full textAbstract:
Food banks are potent symbols of the prevalence of poverty and food insecurity in affluent countries, yet they have received very little academic attention in New Zealand. Previous food bank research in this country has mainly been instigated by the voluntary welfare sector and has focused on client characteristics and patterns of use. This study expands on these concepts in the local context from a socio-spatial perspective, and examines food banks from both a service provision and service user perspective. This study aims to: document the growth of the food bank industry and determine its role within the broader voluntary welfare sector; determine patterns and trends in usage; examine client characteristics, neighbourhoods and reasons for use; and discuss the implications of food bank use and how dependency on food banks may be reduced. This study examines non-identifiable socio-demographic and address data obtained for food bank clients (n=1695) from a large Christchurch social service agency for 2005. Data from a second large Christchurch social service agency is used to illustrate certain spatial and temporal trends. Additional interviews and questionnaires are conducted with staff and volunteers in the local food bank industry, and with the clients themselves. Results show that food bank use appears not to have decreased in recent years. Maori, sole parents/sole caregivers and beneficiaries are over-represented amongst food bank clients, while there is an apparent under-use of the food bank by other key groups. Poverty and food insecurity appears to be dispersed in Christchurch and is not confined to the most deprived neighbourhoods. A range of factors contributes to food insecurity and food bank use, with the main reasons relating to lack of income, household bills and unaffordable housing. Changes in macro social and economic policy, rather than increased client education, will contribute to a decrease in the need for food banks.
11
Liu, Shiang. "An Investigation of the Value of Bank Capital in the Context of Mergers and Acquisitions in the Banking Industry." Thesis, University of North Texas, 2018. https://digital.library.unt.edu/ark:/67531/metadc1248476/.
Full textAbstract:
I analyzed a sample of 228 U.S. bank acquisitions announced from January 1996 to December 2015. This dissertation explores whether acquiring banks pay more for targets with a higher capital ratio using a better measure of goodwill than previous studies. Specifically, this study uses manually collected goodwill to evaluate the value of bank capital, a measure that I argue is superior to those used in prior studies. I collect information about goodwill for 203 merger and acquisition (M&A) deals. I find a positive relation between the target's capital ratio and the goodwill paid for targets, which is consistent with previous cross sectional analysis on the relation between bank equity capital and value. This positive relation exists in the deals with a bank target, but not when the target is a savings institution. Furthermore, I find that the positive association between the target's capital ratio and goodwill paid by the acquirer only exists in the sample of acquisitions of banks announced before the 2007 financial crisis.
This dissertation also evaluates the value of bank capital by analyzing the changes in shareholders' wealth around the announcement of M&As. My empirical analysis shows that banking mergers create value for the shareholder of targets. However, I find a significantly negative association between target's capital ratio and cumulative abnormal return to acquirers in M&As. Furthermore, I also report that this negative association only holds in M&As announced during and after the financial crisis.
This dissertation also investigates the impact of bank capital on the cost of equity, another channel through which capital can influence banks' value. This dissertation tests the potential impact of bank capital on the cost of equity in the context of bank M&As. M&As are a good laboratory to study the relation between bank capital structure and the cost of equity capital because M&A transactions alter capital structure, and thus could change the cost of equity capital of the acquiring bank. My empirical results show a positive association between the target's capital ratio and the change in acquirer's annual cost of equity capital after the completion of the deals.
Additionally, I also analyze a sample of non-US bank M&As and find a negative association between the target's capital ratio and the cumulative abnormal return of banks acquired in M&As.
12
Botha, Kooi. "The banking industry – strategy reporting trends." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/21383.
Full textAbstract:
Thesis (MBA)--Stellenbosch University, 2012.<br>ENGLISH ABSTRACT: Throughout the years, organisations were known for only reporting on their financial position, but
due to stakeholders becoming more informed about the sustainability crisis, organisations realised
the importance of moving away from only reporting on financial information and are now also
including information about the impact of their activities on the society and environment in which
they operate in sustainability reports.
King II stipulated that organisations should produce a sustainability report during their reporting
period, while King III recommends integrated reporting. Integrated reporting suggests that both the
annual and sustainability report should be published at the same time. As a result, King III places a
lot of emphasis on the alignment risk, performance, strategy and sustainability. This allows the
integrated report to supply all stakeholders with forward looking information, as well as strategic
direction.
The purpose for this research is to evaluate the extent to which organisation in the banking
industry disclose information about their strategy. Information were gathered and analysed to
determine where aspects of strategy are disclosed at an above average to excellent level or
whether strategy disclosure were lacking or below average. This study specifically focussed on
information disclosed in the 2010 annual and sustainability reports of organisations in the banking
industry such as Absa, Investec, Nedbank, Standard Bank and FirstRand.
The study concluded that the level of disclosure for strategic information in annual and
sustainability reports for organisations in the banking industry, is average at 53 percent.
13
Zhang, Hongnai. "The Impacts of Internet Finance on the Profitability of China's Banking Industry." OpenSIUC, 2020. https://opensiuc.lib.siu.edu/theses/2705.
Full textAbstract:
Since the mobile communication technology gains a big success in China, internet finance becomes one of the most emerging industries in China in the past decade. People’s living habits have been deeply changed by this emerging service. Nowadays the majority of Chinese citizens use cellphones to deposit and make payments, rather than use traditional debit and credit cards. They can even scan their cellphones to pay the bus and subway fares. While facilitating people’s lives, internet finance also causes new challenges for the commercial banks in China. It makes financial transactions more efficient and lowers transaction costs. Meanwhile, it also takes some profit sources of traditional commercial banks. This study first analyzes the current developing situation of internet finance in China and then introduce the banks efficiency of Chinese banks. Finally, the profitability that is measure by the ROA and ROE of 15 public commercial banks are chosen as the independent variables that measure the profitability of banks. The market scale of internet finance and its profitability are the independent variables. The study finds that while internet finance continues to develop in China, commercial banks’ profitability keeps a decreasing trend. The test results indicate that with the increase of one percent in total revenue, net income and ROA of the internet finance industry, the commercial banks’ ROA decreases by 0.02%, 0.04 and 2.52%, while ROE reduces by 0.22%, 1.04%, and 3.99% respectively.
14
Al-khasawneh, Jamal. "Bank Efficiency Dynamics and Market Reaction around Merger Announcement." ScholarWorks@UNO, 2006. http://scholarworks.uno.edu/td/1031.
Full textAbstract:
We study, using the non-parametric data envelopment approach, we investigated the long-run profit efficiency dynamics and the short-run market reaction of nine pre-classified merger deals of merging and non-merging U.S. banks over the time period from 1992 to 2003. Our main results are as follows: First, merger deals that match least efficient acquirers with the least efficient targets could improve their profit efficiency four years following the merger event, unlike all other merger deals. Second, we find that mergers match least efficient acquirers with the least efficient targets could also achieve significant positive cumulative access returns (CARs) while all other deals were followed by significant negative CARs. Third, we find that, in general, that large-size acquirers have and maintain higher and efficiency scores than targets and non-merging banks. Fianally, the value-maximizing mergers are mostly large in size and match banks with clear chances to increase their future efficiency rankings.
15
Lam, Kar-shin Cindy. "What is competence? : a case study on the effect of competence on the performance of the banking industry /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19908854.
Full text
16
Lindberg, Daniel, and Jimmie Borgqvist. "Customer Involvement In Service Innovation : Study of the bank industry." Thesis, Linnéuniversitetet, Ekonomihögskolan, ELNU, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-13252.
Full textAbstract:
Thesis; Master Programme, Marketing Linnæus University, School of Business and Economics in Växjö Authors: Jimmie Borgqvist & Daniel Lindberg Tutor: Sarah Philipson Title: Customer involvement in Service Innovation – a study of the banking industry. Background/Problem: Services are commodities in most service industries and the companies are not putting enough into innovation of services to differentiate themselves from their competitors. Since the services are commodities it does not make the customers committed to a certain company nor does it make the customer chose the best service, since they are so much alike. To be able to adapt the services to the customers the companies need to know what the customers want. This research is proposing that the way to find out what the customers want is through customer involvement in the service innovation process. Purpose: The purpose of this thesis is to identify opportunities for service companies to involve customers in the service innovation process. Theory: The theoretical framework is built up out of the concept of customer involvement in service innovation, which is a research area that has been put aside for customer involvement for product innovation. Despite this the area has some interesting articles and this research is built up around Alam’s (2002) model of customer involvement. Research question: What preferences do customers have when interacting in service development and what kind of involvement is best suited for their needs? Method: The empirical study of the research was performed through a pre-study with semistructured telephone interviews and the actual study consisted of internet surveys. The telephone interviews were conducted with three experts in the area of customer involvement in service innovation and the banking industry. The surveys had 300 responses within the sample of the study. The sample consisted of Swedish bank customers in the ages of 18 to 25. Conclusion: Customers wants communication methods which are not involving face-to-face interaction. Instead they prefer mobile applications, social networks and the internet bank. Customers prefer to innovate together with other customers and employees of the bank.
17
LORENZON, EMMANUEL. "TRENDS OF BANK POSITIONING IN THE INSURANCE INDUSTRY IN FRANCE." PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2005. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=7169@1.
Full textAbstract:
PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO<br>Desde que os bancos investiram na venda de seguros na
França no meio da década de 80,
eles conquistaram cada vez mais espaços passando a ser
líderes inclusive na principal
família de produtos ligados à previdência. Os bancos
souberam na ocasião identificar
novas oportunidades, inclusive sendo locomotivas
propulsoras da evolução da indústria. A
partir de teste empírico à luz do método de previsão
Delfos, procura-se abordar as
principais questões estratégicas para melhor definir qual
deve ser o posicionamento dos
bancos nessa indústria nos próximos anos. Os resultados da
pesquisa mostram que os
bancos devem continuar se concentrando no segmento pessoa
física nos produtos ligados à
previdência, aproveitando as oportunidades relacionadas à
reforma da previdência e a todas
as mudanças sociais que estão ocorrendo. Os bancos também
podem encontrar
oportunidades na distribuição de produtos com processo de
vendas simplificado e
integrados na oferta bancária, aproveitando a vasta rede
de pontos de vendas, a natureza da
relação com o cliente e a clientela ainda não equipada de
seguros. No segmento empresas, o
foco deve ser voltado para a previdência corporativa.
Finalmente, a capacidade de
mobilização da força de vendas e do uso de ferramentas de
informação como o CRM, assim
como a eficiente gestão dos processos são os fatores chave
para os bancos continuarem
evoluindo.<br>Since banks invested in the selling of insurance in the
mid-80´s in France, they have
conquered more space becoming leaders in the market,
including the main family of
products linked to life saving plans. The banks were able,
at that time, to identify the new
opportunities, to the extent of becoming the leading force
in the industry´s evolution. From
empirical testing based on the Dephi forecasting method,
an attempt is made to address the
main strategic issues in order to better define what will
be the positioning of banks in this
industry in the next years. Research results demonstrate
that banks are likely to continue
concentrating in the personal segment in products related
to life saving plans and retirement
products, taking advantage of the opportunities related to
welfare state reform and to all the
social change that is taking place. Banks may also find
opportunities in the distribution of
products that are simplified, packaged and integrated with
the banking offer, taking
advantage of an extensive outlet network, the nature of
the relationship with clients and a
clientele that is not insofar holding products. In the
corporate segment, the focus must be on
corporate pension plans. Lastly, the mobilization capacity
of the sales team and the usage of
management information system such as CRM, as well as
efficient process management are
the key factors in the continuing evolution of banks.
18
Cutcher, Leanne. "Banking on the customer customer relations, employment relations, and worker identity in the Australian retail banking industry /." Connect to full text, 2004. http://hdl.handle.net/2123/632.
Full textAbstract:
Thesis (Ph. D.)--University of Sydney, 2004.<br>Title from title screen (viewed 8 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Discipline of Work and Organisational Studies, School of Business, Faculty of Economics and Business. Includes bibliographical references. Also available in print form.
19
Edbor, Mikael, and Erica Soltanieh. "Inter-industry collaborations in the Swedish mobile payments market." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-123963.
Full textAbstract:
The rapid development of technology is quickly changing the everyday lives of people, and it is now possible to use a mobile phone to pay at the checkout in stores. However, being able to pay with a mobile phone has no intrinsic value over existing payment methods, and thus banks have to find a way to add value to their mobile payment services through inter-industry collaboration with other actors. The aim of this report is to find how banks can collaborate with other actors in order to strengthen their brand in the mobile payment business. Through a literature review and several interviews with representatives in the financial industry, merchant sector, and academia, this report answers questions related to the market in Sweden, dominant design, network externalities, business collaboration, trust, and co-branding. This report found that there is a difference in prioritization regarding features and qualities of mobile payments between different segments in the market, and banks should choose a segment to focus their efforts on. There is also a need for discussion in the market between different actors in order to promote the standardization needed to develop mobile payment services further, and banks should therefore collaborate with other actors regarding standards, even if the collaboration does not need to involve resource sharing. Co-branding with other actors could also be a way banks to enhance their brand in mobile payments and reach new market segments. Trust is a critical factor for the success of mobile payments and the handling of customer data will be one of the biggest issues to solve for the banks and their collaborators. Finally, the most important conclusion of this report is that the banks have to find a business model which is attractive enough to the merchants in order to attract them in collaboration and be able to create added value to mobile payments.<br>Den snabba utvecklingen av tekniken förändrar snabbt vardagen för människor, och det är nu möjligt att använda en mobiltelefon för att betala i kassan i butiker. Att kunna använda en mobiltelefon för att betala istället för nuvarande betalningssätt har dock inget egenvärde och banker måste därför hitta ett sätt att addera värde till sina mobilbetalningstjänster genom att samarbeta med andra aktörer över industrigränserna. Målet med denna rapport är att finna hur banker kan samarbeta med andra aktörer för att stärka sitt varumärke inom mobilbetalningsbranchen. Med hjälp av literaturstudier och flera intervjuer med representanter från finansindustrin, handeln och akademi svarar den här rapporten på frågeställningar relaterade till den svenska marknaden, dominant design, nätverkseffekter, affärssamarbeten, tillit och varumärkessamarbeten. Rapporten visar att det finns skillnader mellan de olika marknadssegmenten gällande prioriteringen av funktioner och egenskaper hos mobila betalningar, och att banker bör välja ett segment att fokusera på. Vidare fann rapporten att det krävs diskussion på marknaden mellan de olika aktörerna för att främja framtagningen av den standardisering som krävs för att föra utvecklingen av mobila betalningar framåt. Banker borde därför samarbeta med andra aktörer för att få fram en sån standard, även om det inte behöver innebära att man delar resurser. Varumärkessamarbeten med andra aktörer kan också användas av banker för att förstärka sitt varumärke inom mobila betalningar och nå nya marknadssegment. Tillit är en kritisk faktor för att mobila betalningar ska lyckas, och hanteringen av kunddata kommer vara ett av de största problemen för bankerna och deras samarbetspartners att lösa. Slutligen så är den viktigaste slutsatsen av den här rapporten att banker måste skapa en affärsmodell som är tillräckligt attraktiv för handlare för att kunna locka till sig dem till samarbeten och kunna skapa mervärde till mobila betalningar.
20
Ebert, Tara. "Trust as the key to loyalty in business-to-consumer exchanges trust building measures in the banking industry." Wiesbaden Gabler, 2009. http://d-nb.info/992586208/04.
Full text
21
Chan, Chi-ping Eliza, and 陳志萍. "Hong Kong competitiveness: human resources infinancial industry." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1997. http://hub.hku.hk/bib/B31267841.
Full text
22
Fuss, Carolin. "The impact of outsourcing on banking efficiency empirical evidence from the US banking industry." Hamburg Kovač, 2007. http://www.verlagdrkovac.de/978-3-8300-2994-6.htm.
Full text
23
Rossides, Yiannos. "Development and application of an analytical framework for the measurement of customer service quality in the banking industry of Cyprus." Thesis, University of Stirling, 2011. http://hdl.handle.net/1893/3455.
Full textAbstract:
The main objectives of this study are to demonstrate the significance of customer service quality in the banking sector of Cyprus in order to enable managers in banking organisations to identify the determinants of customer perceptions of service quality and ultimately to provide a method to measure the levels of service quality offered. Therefore, the objectives of this thesis are: • To evaluate the SERVQUAL model and assess whether it can be applied in the context of the Cypriot banking industry, and consequently establish a reliable and valid service quality measurement instrument for Cypriot banks, and • To identify the level of service from banks in Cyprus and detect ways to improve the service quality offered. This study evaluates SERVQUAL dimensions, and more specifically the perceptions side of the instrument, and modifies it through an extensive and in-depth analysis of the literature review published on the topic of service quality and through interviews with bank experts and quality specialists so as to assess its applicability to the banking industry in Cyprus. As a result of this analysis, a modified version of the perceptions’ side of SERVQUAL was constructed as a measurement scale of service quality in the banking sector of Cyprus. Data were collected through customer surveys conducted outside bank branches. Subsequently, the collected data were analysed through tools such as factor analysis, multiple regression analysis, and internal consistency measurement. This analysis helped to prove the validity and reliability of the modified instrument used to measure service quality and revealed the dimensional structure of the service quality construct in the Cypriot banking sector. The major findings of this study suggest a four-dimensional construct derived from 23 items in the questionnaire. These dimensions are employee proficiency, convenience, professionalism and assurance. All four factors are positive and significant predictors of service quality. This result is different from the SERVQUAL and the SERVPERF models as both indicate five dimensions composed of 22 items. The reliability and validity of the scale(s) in this study were fully supported. These results lead to several implications for both researchers and practitioners. For theorists, the results of this study can be used as foundations for further studies, for questionnaire scale development, to further support the use of a single scale and to raise the issue of the non-existence of the ‘tangibles’ dimension, which is not fully discussed in the literature and should be tested in future studies as well. For managers and practitioners this study offers much support for the importance of employees and for a continuous investment in service quality programmes. It also suggests incorporating service quality measurement into branch performance measurement. Finally, the results obtained in this study pose significant challenges to managers and support the idea that practitioners should have a comprehensive view of service quality in banking organizations to accurately measure customer perceptions of service quality.
24
OSullivan, Jennifer. "Corporate Governance, Performance and Risk-Taking in the U.S. Banking Industry." ScholarWorks@UNO, 2012. http://scholarworks.uno.edu/td/1521.
Full textAbstract:
In this dissertation, we first examine the relationship between performance of the bank holding company and several board characteristics. We use five proxies for bank performance including Tobin’s Q, ROA, loan loss reserve ratio, non-performing asset ratio, and net charge-offs ratio. Board characteristic variables we include are board size, proportion of outsiders, CEO power, CEO tenure and board tenure. We find that a large board enhances bank performance, as proxied by Tobin’s Q and loan quality variables. We find no evidence that board structure or CEO power influences firm performance. We see that CEO and board tenure have a positive effect on firm performance. We further employ a crisis dummy during the period 2007 through 2009 to determine if the relationships between firm performance and board characteristics changed during the crisis. Our crisis results show us that board size has a negative effect on Tobin’s Q and the non-performing asset ratio during the crisis. Further, we find that board structure decreases the non-performing asset ratio during the crisis.
We next examine the relationship between risk-taking of the bank holding company and several board characteristics. We use four accounting based proxies for bank risk-taking including credit risk, liquidity risk, capital ratio and operational risk. We also use three market based proxies for bank risk including market beta, idiosyncratic risk and the standard deviation of its stock return. Board characteristic variables we include are board size, board independence, CEO duality, CEO tenure and board tenure. We find that a large board reduces both balance sheet and market risk. We further investigate the relationships between risk-taking and board characteristics changed during the financial crisis of 2007-2009. We find that our results are robust during the crisis.
25
Dreyer, Elizabeth. "The role of specialist advisory services within a development bank." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97463.
Full textAbstract:
Thesis (MDF)--Stellenbosch University, 2015.<br>ENGLISH ABSTRACT: It is accepted that financial sector development contributes to economic growth, equality and poverty alleviation. Economic development in many developing economies is constrained by the failure of financial markets to provide appropriate financial services products to enable these economies to address structural transformation and enable sustainable economic growth.
Development Finance Institutions (DFIs) have emerged as an effective institutional vehicle to provide financial services to support the development and financing needs of market segments, particularly in developing economies, which the commercial financial sector is unable or unwilling to serve. DFIs provide financing to markets with a perceived high investment risk by developing appropriately structured innovative financing solutions and risk mitigation instruments needed to address the infrastructure and development financing gaps within these economies. DFIs are able to address commercial financial market failure by providing financing to support long-term private sector investment in infrastructure, financing products that service high-risk market sectors that lack collateral and financing to support public sector efforts to provide adequate social and economic infrastructure in countries with a high-risk investment rating.
Specialist advisory skills are a critical resource that DFIs deploy to identify, package and finance sustainable and bankable solutions to support transformative growth. For DFIs to operate optimally they need to implement an integrated loan approval process that enables effective investment decision-making. By deploying specialist advisory services at each stage of the investment value chain, DFIs comply with international best practice standards, package development finance solutions to meet potential clients’ needs and ensure financial sustainability.
An extensive literature review on DFI practice revealed that the predominant literature on DFIs focuses on the mandate and governance relationships within these institutions. This research assignment addressed the gap in available DFI literature. The research assignment aimed to build on the available literature on DFI investment decision-making and to contribute to the body of knowledge of the DFI investment value chain. The research assignment focused on DFI operations and investment decision-making procedures and considered how DFIs deploy specialist advisory services to enhance the application of an integrated loan approval process, mitigate investment risk and enable the optimal allocation of scarce resources to enhance sustainable development. The assignment identified the various institutional approaches and methodologies DFIs adopt to utilise specialist advisory services and identified the challenges, opportunities and limitations within the process.
Chapter 1 introduces the key themes addressed in the research assignment. Chapter 2 provides a literature review of DFI practice and application of best practice considerations in investment decision-making. Chapter 3 details the research methodology deployed to conclude the research assignment. Chapter 4 addresses the research findings emanating from a case study analysis of the specialist advisory services deployed by the Development Bank of Southern Africa (DBSA), the European Investment Bank (EIB) and the Land Bank of South Africa. The assignment concludes with findings and recommendations.
The research assignment found that limited investigation has been conducted on the operational execution of specialist advisory services within the investment value chain. Specialist advisory services provide DFIs with a key resource to assist in assessing potential loan applications in ensuring that clients meet mandate criteria to qualify for DFI loan applications, assist in assessing whether clients meet investment standards, and ensure that financially sustainable transactions are supported. To enhance DFI practice, further research is required to unpack the various investment modules applied within the investment value chain.
26
Lammers, Markus. "Sourcing decision making in the banking industry." Berlin Pro Business, 2005. http://deposit.ddb.de/cgi-bin/dokserv?id=2675692&prov=M&dok_var=1&dok_ext=htm.
Full text
27
Evripidou, Loukia Ch. "Bank costs, structure, performance and regulation : evidence from the UK, 1981-1995." Thesis, Durham University, 2001. http://etheses.dur.ac.uk/1604/.
Full text
28
Maltas, Zeynep. "The Effects Of Bank Specific, Industry Specific And Macroeoconomic Factors On Bank Profitability In Oecd Countries Between 2000 - 2009." Thesis, METU, 2013. http://etd.lib.metu.edu.tr/upload/12615545/index.pdf.
Full text
29
Wüllenweber, Kim. "Evaluating and managing business process outsourcing ventures in the German banking industry /." Norderstedt : Books on Demand, 2007. http://d-nb.info/987254480/04.
Full text
30
Mirzaei, Ali. "An international study of bank performance : from the perspective of sustainability and externality." Thesis, Brunel University, 2012. http://bura.brunel.ac.uk/handle/2438/12737.
Full textAbstract:
The thesis assesses bank performance from two aspects: growth sustainability and the externality impact on the growth of non-financial industries. With regard to sustainability, the study considers two issues. One is financial performance with a focus on understanding what determines profitability and stability, particularly the role of market structure in generating profits. The second aspect is that of exploring what drives bank growth. Do banks grow through a competitive process or a noncompetitive one? In the context of externality, the thesis investigates whether bank competition and stability contribute to the growth of non-financial industries. The thesis starts by investigating the effects of market structure on profitability and stability using the sample data of 1929 banks from 40 countries including both emerging and advanced economies over 1999-2008. It attempts to examine which school of theories provide more explanatory power to profitability and stability in banks: the traditional structure-conduct-performance (SCP) or relative-market-power (RMP) hypotheses. The results show that a greater market share leads to higher bank profitability in favour of the RMP theory evidenced in advanced economies; however interestingly there is no evidence in support of these theories in emerging economies. Furthermore, the RMP effect appears more sustainable when compared with the SCP. This suggests that a more concentrated banking system may be more vulnerable to financial stability. Regarding the second aspect of banking sector performance, we look at an issue of competition by employing data from around 5850 banks across 49 economies during 2001-2010. We employ different industrial economics theories to estimate the degree of bank competition. The results show that bank competition varies across countries in terms of competition intensity and process. Some banks compete more intensity for efficiency and some compete less. Interestingly, all indicators show that emerging banking markets are less competitive than their counterparts in advanced economies. Furthermore, the thesis explores whether competition and stability in the banking sector can affect the growth and market structure of nonfinancial industries and hence economic growth. Empirical evidence from 23 industries for 48 emerging and advanced economies shows robustly that a more vigorously competitive and thus efficient banking sector allows financially dependent industries to grow faster through supporting small firms and new entrants that disconcentrate market structure. Policy implication is clear: competition, rather than market structure, is what we need for restructuring our banks that can help economic growth.
31
Keegan, Jason M. "Three Essays on Market Discipline in the Banking Industry." Diss., Temple University Libraries, 2016. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/398898.
Full textAbstract:
Economics<br>Ph.D.<br>This dissertation topic is on the market discipline of banking institutions during the most recent business cycle (i.e., the business cycle surrounding the Great Recession of 2007). Market discipline has been a focal point of banking regulation since the implementation of Basel II in June 2004. In an attempt to provide a comprehensive framework that provides international standards on bank supervision, the Basel Committee on Banking Supervision designed a complementary three-pillar structure. These include: capital requirements, the supervisory review process, and market discipline. Recent research has shown that the success of capital requirement ultimately lies in how well it serves market discipline (Gordy and Howells, 2006). The FDIC defines market discipline as: The forces in a free market (without the influence of government regulation) which tend to control and limit the riskiness of a financial institution’s investment and lending activities. Such forces include the concern of depositors for the safety of their deposits and the concern of bank investors for the safety and soundness of their institutions. Source: FDIC Glossary of Definitions Thus, regulators must account for market discipline in their design of a new regulatory framework. In Chapter 1, I investigate how the yield spreads of debt issued by U.S. Systemically Important Banks (SIBs) in the secondary market are associated with their idiosyncratic risk factors, as well as bond features, and macroeconomic factors, over a complete business cycle across the pre-crisis (2003:Q1 to 2007:Q3), crisis (2007:Q4 to 2009:Q2), and post-crisis (2009:Q3 to 2014:Q3) periods. Both Global and Domestic SIBs (G-SIBs and D-SIBs) are considered. Economic theory suggests that as SIB risk-levels increase, bond-buyers demand a higher yield spread (lower price) on the debt security (Evanoff and Wall, 2000). However, explicit and implicit government safety nets before, during, and after the crisis complicate the market discipline mechanism and make a priori predictions of the yield changes in response to increases in risk inconclusive. This renders the issue an empirical exercise. By stratifying across the most recent business cycle, I am able to investigate two broad objectives. First, I study how bond-buyers react to increases in SIB risk across the recent business cycle. Second, I investigate the degree to which the proportion of the variance in yield spreads explained by macroeconomic factors changed across the phases of the cycle. Unusual volatility during and after the financial crisis in the macroeconomic realm, and the keen focus by regulators, investors, and other stakeholders on idiosyncratic risk makes it theoretically unclear which countervailing force is the primary driver of yield spreads in the secondary market. The data includes over 9.7 million bond trades across the 26 SIBs based in the U.S. I obtain several interesting results. First, bond-buyers do react to increases in bank risk factors (leverage, credit risk, inefficiency, lack of profitability, illiquidity, and interest rate risk) by charging higher yield spreads. Second, bond buyer response to risk is sensitive to the phase of the business cycle. Third, the proportion of variance in yield spreads driven by issuing-firm-specific and bond-specific risk factors (as opposed to macroeconomic factors) increased from 29% in the pre-crisis period to 48% and 77% during the crisis and post-crisis periods, respectively. This last finding indicates that market discipline greatly improved in the two latter phases of the business cycle, and while the literature on market discipline following the 2007-2009 crises is still scant, this result is consistent with some extant studies (Balasubramnian and Cyree, 2014). Despite unprecedented accommodative fiscal and monetary policies during and after the financial crisis, market discipline in the secondary bond market has strengthened considerably, providing evidence that regulatory intervention and market discipline can work in tandem. These results can advise regulators, investors, bank risk managers, and others, on how bond traders react to issuing-bank, bond, and macroeconomic factors. For example, regulators and policy makers should account for the effect of market discipline in formulation of their monetary and fiscal policies designed to achieve specific targets because, otherwise, they may miss the targets. In Chapter 2, I study the impact of bank risk taking and macroeconomic factors on the growth of interest-bearing deposits and interest rates paid on those deposits for U.S. commercial banks with less than $10 billion in total assets (known as commercial banking organizations or CBOs). The sample period for deposit growth covers the recent business cycle (2003:Q1 to 2014:Q4) and it is broken down into pre-crisis (2003:Q1 to 2007:Q3), crisis (2007:Q4 to 2009:Q2), and post-crisis (2009:Q3 to 2014:Q4) sub-periods in order to contrast the patterns of effects over these phases of the business cycle. Deposit pricing equations are estimated over the post-crisis period only due to data limitations. Separate deposit growth rate equations are estimated across four deposit types (transaction, savings, large, and small time deposits), while separate deposit pricing equations are estimated across 30 deposit types (including various terms and balances for certificates of deposits as well as personal and business money market accounts and interest checking accounts, among others). Bank heterogeneity is accounted for via fixed effects estimation. I obtain several interesting results. First, there is a relationship between bank risk taking and subsequent deposit withdrawals over the three sub-sample periods, indicating that depositors do respond to bank riskiness under the pre-crisis, crisis, and post-crisis environments (market discipline). Second, there is also market discipline in deposit pricing as evidenced by the statistically significant and consistent relationship between bank risk taking and deposit pricing across all 30 different product types I study. Third, when deposits are disaggregated into insured and uninsured components, I find that the uninsured depositors react to changes in bank credit risk via deposit withdrawals (during the pre-crisis period) and pricing (during the post-crisis period) to a greater extent than do the fully insured depositors, supporting the presence of moral hazard. Fourth, since the pre-crisis period, macroeconomic factors have become even a greater force in driving the changes in deposit growth because of market intervention and implicit and explicit government guarantees. As macroeconomic factors drive more of the variation in deposit growth, mechanisms to keep CBO risk in check depend less on the depositors and banks and more on macroeconomic policy. In Chapter 3, I investigate the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) of 2010 on accounting fees for commercial banks with less than $10 billion in total assets (known as commercial banking organizations or CBOs), while controlling for their litigation risk via legal fees spent on outside counsel. Using panel data from 2008 through 2014 for U.S. CBOs, I find that litigation risk is the primary driver of accounting fees for “large” CBOs with $1 billion - $10 billion in total assets. This finding is contrary to previous studies, which attribute the majority of explained variance in those fees to firm size alone. To my knowledge, these results are the first to explicitly confirm the litigation risk-audit fee hypothesis (Seetharaman et al., 2002) for the banking industry. In terms of magnitude, I find that for every one percent increase in legal fees, accounting fees will increase from two to nine basis points, depending on CBO size. Controlling for bank-specific risk and the general business cycle, our results show that Dodd-Frank has the greatest impact on accounting fees for small CBOs (<$500 million in total assets), which experience an increase in these expenses of 73% due to the drafting of the Act, and an increase of 105% due to the subsequent passage (compared to an increase of 56% and 86% in accounting fees for the large CBO cohort during the drafting and subsequent passage of Dodd-Frank, respectively). I also find that a decrease in bank leverage (for CBOs of all sizes) and an increase in real estate loans to total loans (for large CBOs) are indicative of higher accounting fees.<br>Temple University--Theses
32
Fagulha, Bernardo Moura Gonçalves. "Banif Bank: Value creation in the Maltese market." Master's thesis, NSBE - UNL, 2009. http://hdl.handle.net/10362/9468.
Full textAbstract:
A Work Project, presented as part of the requirements for the Award of a Masters Degree in Management from the NOVA – School of Business and Economics<br>The entry in a new market is always a major strategic challenge for a firm:
competing in different regions and dealing with the specific conditions. This work
project describes the entry of a new bank in the Maltese market, by exploring a new
positioning. Through the real case of Banif Bank, this case intends to evaluate the
potential of value creation in that industry, by first assessing its attractiveness and
profitability. Then, Banif Bank positioning is analized to conclude if it can create a
competitive advantage that would be sustainable in the long term.
33
Beimborn, Daniel. "Cooperative sourcing simulation studies and empirical data on outsourcing coalitions in the banking industry." Wiesbaden Gabler, 2007. http://d-nb.info/985772190/04.
Full text
34
com, ctapanya@yahoo, and Sriwan Tapanya. "Examining the Factors which Influence Performance Measurement and Management in the Thai Banking Industry: An Application of the Balanced Scorecard Framework." Murdoch University, 2004. http://wwwlib.murdoch.edu.au/adt/browse/view/adt-MU20050310.110900.
Full textAbstract:
Performance measurement is critical to achieving a firms objectives, translating strategy into action and monitoring progress. Selection of a performance measurement system involves a complex interplay between strategy, a firms internal and external environment and determination of the relative importance of various measures of performance.
This dissertation examined the factors which influence performance measurement systems within the context of a highly uncertain and rapidly changing environment via the application of the Balanced Scorecard framework. This framework is a strategic management system and its four pillars of measurement financial, customers, learning and growth, and internal business process - are influenced by the vision and strategy adopted by the specific organisation.
Through a series of qualitative and quantitative studies in the Thai banking industry post the 1997 Asian financial crisis, this dissertation shows that institutional forces play a pivotal role in the choice of performance measurement systems, irrespective of strategic orientation and/or firm ownership.
Specifically, three studies are presented to support this argument. The first study uses the Miles and Snow (1978) typology to identify the strategic orientation of the Thai banks in order to make some predictions about the type and number of performance measures utilised by these banks. Results from this study show that bank managers identified their banks strategy as prospector, defender or analyser irrespective of firm ownership. This outcome drives the focus of study two.
Study two is a two-part approach examining the forces which have influenced performance measurement in Thailands banks via both in-depth interviews conducted with 24 branch managers and the administration of a survey to 60 branch managers. Results from both studies suggest that coercive and mimetic forces play a pivotal role in the choice of performance measures. In particular, the study demonstrates that coercive forces at play within the industry put pressure on the banks to focus on financial measures, despite the increased awareness that to remain competitive both types of performance measures are needed.
The final study examines whether the focus on financial indicators has impacted upon the non-financial measure of customer satisfaction for the banks, particularly as the Balanced Scorecard approach suggests utilising multidimensional performance measures to achieve the best performance outcome for the firm. Results from this study suggest that most customers are not satisfied with firm performance and concludes that there is a need, irrespective of social network forces to focus on both financial and non-financial performance indicators.
These outcomes have both theoretical and practical implications. From a theoretical point of view, this thesis posits that coercive, mimetic and normative forces need to be included in frameworks such as the Balanced Scorecard, if the true picture of what factors influence performance management and measurement are to be understood. From a practical perspective, the thesis provides evidence to managers of the need to examine performance measurement from a variety of perspectives in order to meet the needs of all stakeholders.
35
Martins, André Oliveira. "Creating a business model for a pharmaceutical bank in Lisbon." Master's thesis, NSBE - UNL, 2013. http://hdl.handle.net/10362/9778.
Full textAbstract:
A Work Project, presented as part of the requirements for the Award of a Masters Degree in Management from the NOVA – School of Business and Economics<br>The present Work Project highlights the problem of the market disequilibrium existing in the pharmaceutical industry, caused by the coexistence of both: overproduction (implied destruction costs), and the fact that many patients have insufficient purchase power. This Work Project develops a two-phase methodology to recognize best practices of social enterprises. The first phase is the elaboration of a questionnaire and the second is a one-on-one interview. The objective was to understand the range of action, the mission, and the structure of social enterprises. The research has shown that different social fields impose context-specific structures, a tendency to operate in a regional scale and seeking for social benefits rather than profit seeking. This Work project prepared a co-operative business model, reinforced by academic literature, attempting to reduce waste and correct market disequilibrium by reallocating products to underprivileged. The business model is designed under the premise of fostering sustainability and assumes responsibility to formulate a solution for market disequilibrium in different fields.
36
Welpe, Ralph. "Dynamic organizational capabilities in post-acquisition management : a study of the European banking industry /." [S.l. : s.n.], 2004. http://www.gbv.de/dms/zbw/470739029.pdf.
Full text
37
Yu, Meng-Syuan, and 俞孟瑄. "Bank-specific, Industry-specific and Macroeconomic Determinants of Bank Profitability – A Study of Taiwan’s Banking Industry." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/39610277154411303451.
Full textAbstract:
碩士<br>朝陽科技大學<br>財務金融系<br>104<br>This study is to investigate the bank-specific, industry-specific and macroeconomic determinants that would affect the Taiwain bank’s profitability, by using the traditional structure - conduct - performance (SCP) hypothesis as the empirical framework. The sample period is from 2008 Q1 to 2015 Q3. However, no evidences support the SCP hypothesis. Moreover, this paper explores the differences in the determinants of profitability between the banks that belong to financial holding companies and the independent banks. The empirical results show that the determinants of profitability between the two types of banks are different. For example: equity ratio, size and ownership have significant impact on ROE for those banks that are held by financial holding companies, but there are no significant impacts for independent banks. For macroeconomic determinants, both of consumer price index and growth rate of GNP significantly influence on ROE, indicating that Taiwan’s banks are vulnerable to factors of international events and cyclical fluctuation.
38
Yung, Kuo-Chun, and 容國峻. "Industry Concentration and Bank Loan Spread." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/61255212115663223754.
Full textAbstract:
碩士<br>國立中興大學<br>財務金融學系所<br>102<br>In this paper, we study whether the bank loan spread would be affected by the firm’s industry structure. Using HHI index as the proxy for product market competition, I find that product market competition has a positive effect on the bank loan spread. The empirical result also shows that more profitability, greater flexibility, higher growth opportunity and larger firms will be benefit a lower loan spread; and levered firms with longer loan maturity will face a higher bank financing cost. Moreover, we separate firms into two parts based on their asset size and find that in the large firms’ sample, the competition has a significantly positive effect on the bank loan spread, however, in the small firms’ sample, the result is significantly opposite.
39
Chang, Tan-Yin, and 張丹瑛. "Scale Economies of Bank Industry in Taiwan." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/zfgh8y.
Full textAbstract:
碩士<br>銘傳大學<br>國際企業學系碩士在職專班<br>95<br>By observing the situations of financial institution in Taiwan, there are not only 14 financial holding companies but also many financial institutions throughout cities and towns. In 1991, there were 25 domestic banks, but after the ministry of finance opened up the application for setting up new banks; 16 new banks were founded, and the amount of domestic banks became 41. Furthermore after credit cooperatives changed commercial bank continually, the amount of domestic banks became 53 in 2000. In recent years, because of the merging trend of global banking, the government furthered the merging of the domestic banks actively; hence the amount of domestic banks became 46 in the end of 2005.
Merging domestic banks makes the scale of domestic banks become large, and brings scale economies for banking truly. This study selects the value units to discuss, and has interviewed meddle and high level supervisors in 6 domestic banks, 3 old and 3 new. The purpose of the study is to discuss using other ways to reach the same scale economies and then to give suggestions to improve the operation of bank, besides merging banks.
This research studies value units, by interviewing and reading secondary data to find out six value units, equipment purchasing, assets and liabilities and risk management, attracting deposit, business banking, wealth management, and financial cross marketing of financial products which probably have scale economies. Through analyzing the operation of these six value units can generalize the following three reasons that banking probably produce scale economies, (1) the ability of negotiated price, (2) risk acceptable, (3) sharing resources and fixed cost. The conclusion of this study gives the suggestions of small banks to use other ways to reach the effect of scale economies.
40
Dran, Huang-Sheng, and 莊桓勛. "Evaluating The Efficiency of China’s Bank Industry." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/66252040799017657543.
Full textAbstract:
碩士<br>東吳大學<br>經濟學系<br>92<br>Since China will completely open her financial market, including her bank industry, in 2006, numerous international banks are intending to invest there. Therefore, it is meaningful to evaluate and rank the management efficiency of China’s primary banks. This paper exploits the stochastic frontier method to extimate the relative efficiency of major 19 banks in China.The data is primarily from “Annual Statistical Book of Chineses Banks”，1998 to 2002. We find that（1）the loan is a negative factor to account for the efficiency of Chinese banks；（2）the revenue of business is a significantly negative factor to affect the in-efficiency of Chiua’s banks；（3）the age of bank is significant positive to the in-efficiency；（4）Chiua’s private banks are more efficient than state owned banks；（5）joining WTO will reduce the inefficiency of Chiua’s banks.
41
"Reengineering of the banking industry." 1998. http://library.cuhk.edu.hk/record=b5889412.
Full textAbstract:
by Chak Siu Choi.<br>Thesis (M.B.A.)--Chinese University of Hong Kong, 1998.<br>Includes bibliographical references.<br>ABSTRACT<br>TABLE OF CONTENTS<br>Chapter I. --- INTRODUCTION --- p.1<br>Hong Kong as a Financial Hub --- p.1<br>Reengineering Defined --- p.2<br>Bank Reengineering at a First Glance --- p.3<br>Objectives --- p.4<br>Methodology --- p.4<br>Secondary Data --- p.4<br>Questionnaires --- p.5<br>Chapter II. --- THE DEVELOPMENT OF REENGINEERING IN THE BANKING INDUSTRY --- p.6<br>The Rule of Regulated Oligopolies (1960-1981) --- p.6<br>The Rise of Disintermediation and Excess Credit Risk (1981-1991) --- p.8<br>The Reengineering Imperative (1990s) --- p.10<br>Chapter III. --- THE TIMING CONCERN OF THE REENGINEERING BANK --- p.12<br>Languishing Stock Price --- p.13<br>Strategic Directions Conflict with Market Valuation --- p.13<br>Sub-Par Efficiency Ratios --- p.13<br>Perceived Process Redundancy --- p.14<br>Senior Management's Will and Skill --- p.14<br>Chapter IV. --- THE STRATEGIES OF THE REENGINEERING BANK --- p.15<br>Preparing for Change --- p.17<br>Understanding Current Costs --- p.17<br>Understanding Current Pricing --- p.17<br>Generating Reengineering Options --- p.18<br>Refining Options --- p.18<br>Creating the New Bank --- p.18<br>Chapter V. --- BANK REENGINEERING OVERSEAS --- p.20<br>"NationsBank, Charlotte" --- p.20<br>"Norwest Corp., Minneapolis" --- p.21<br>"First Commerce Corp., New Orleans" --- p.21<br>"Premier Bank, Louisiana" --- p.21<br>"Merchants Bank, Vermont" --- p.22<br>"Texas Commerce Bank, Texas" --- p.22<br>Chapter VI. --- BANK REENGINEERING IN HONG KONG --- p.24<br>Shifting Demographics --- p.24<br>Increasing Customer Sophistication --- p.24<br>Intensifying Competition --- p.25<br>Growing Use of Technology --- p.25<br>Standard Chartered Bank --- p.26<br>Dah Sing Bank --- p.27<br>Citibank --- p.28<br>Bank of East Asia --- p.28<br>Chapter VII. --- THE DIFFICULTIES AND PROBLEMS FACED BY THE REENGINEERING BANK --- p.33<br>Chapter VIII. --- IMPLICATIONS TO THE BANKING INDUSTRY --- p.36<br>APPENDICES<br>BIBLIOGRAPHY
42
Hsieh, Yi-Ying, and 謝懿盈. "Cash Flows、Performance and Industry Transition :The Taiwan Bank Industry, 1992－2001." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/92063181953862842805.
Full textAbstract:
碩士<br>南台科技大學<br>會計資訊系<br>92<br>The purposes of this study are to identify strategic groups of Taiwan bank industry and to analyze the industrial change over time. We adopt the 1992 to 2001 cash flows data to group the banks.
The statement of cash flows is important because all the sources and usages of cash, including the cash available from normal operations, the cash flows of investing activities and financing activities, will be disclosed in this statement. It should be the quantitative information that is most available and rich of strategic implications. Nonetheless, the applications of this statement were bounded in the narrow areas such as the analysis of financial position and construction of the forecasting model of bankruptcy.
The purpose of this study is to widen the application of cash flow data. We conduct strategic group analysis with cash flow information and explore the possible relationship between cash flows and performance of a business entity.
The results indicate that: (1) using the cash flow data in the cluster analysis, strategic groups could be identified in Taiwan bank industry, (2) there are performance difference among the derived strategic groups, (3) during our investigating period, the Taiwan bank industry is polarizing into two groups, the most and the lest profitable one. This is an ongoing phenomena deserve to explore in the future research.
43
Chang, Chu-Ning, and 張筑寧. "A Research of Capital Structure, Ownership Structure and Bank Performance – Bank Industry in Taiwan." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/ma237a.
Full textAbstract:
碩士<br>銘傳大學<br>國際企業學系碩士班<br>96<br>The purpose of this paper is to analyze the whether banks can use capital structure and ownership structure to minimize the agency costs and improve the bank’s performance. This study picked 37 banks in Taiwan during 2001~2006. The study method can be divided into two parts is Data Envelopment Analysis and Three-Stage Least Squares. The results were obtained: 1.The capital structure, size, ATM and HO associate positively with bank performance. 2. The ownership structure and CONC associate negatively with capital structure. 3. Bank size associate positively with capital structure. 4. Bank risk associate negatively with ownership structure.
44
Shih, Juo-Chih, and 施若芝. "Analysis of How Commercial Banks Continue Operations through Competitive Advantages in Operation Model：An case study of Banking Industry between Standardchartered Bank、Bank of China and Bank of Taiwan." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/37v5xc.
Full textAbstract:
碩士<br>國立交通大學<br>管理學院管理科學學程<br>101<br>In the economic development process, financial systems and economic systems develop at the same time.Financial institutions play indispensable roles in the economic growth process. Pagano (1993) and Levine (1997) summed up financial systems to promote economic growth in the following manners:(1) reduce the liquidity risk;(2) informations to obtain economies of scale can improve the efficiency of resource allocation;(3) through the design of the loan contract can reduce monitoring costs;(4) effectively absorb savings, favorable capital accumulation and technological innovation;(5) reduce transaction costs, accelerate the speed of specialization;(6) through the portfolio diversify risk.Besides, Mckinnon (1973)、Shaw (1973)、Greenwood and Jovanovic (1990)、Rajan and Zingales (1998)、Levine and Ross (2006) pointed out that the degree of financial development and economic growth are positively correlated.One of the most important elements of financial development is the development of banking industries.
After 30 years of reform and opening up,China gradually establish a new financial system. In today's rapid development of economic and financial globalization,financial markets in China occupies an important position in the international financial markets.Due to global financial crisis in 2008,international financial situations changes.Since Asia firstly recovered from the global financial crisis,it shows the rise of emerging economies and the eastward shift of global financial and economic power,especially the Cross-Strait Business Ties gets the most attention.After MOU agreement in 2009 and ECFA in 2010 between Taiwan and China,the financial cooperation between each other becomes open and frequency.It shows that the competitive situation of banking industries between Taiwan and China will be tougher.Therefore, to clear understanding of their competitive advantages and positioning to maintain their operations of banking industries between Taiwan and China will be important.
The samples of this study are extracted from Bankscope database during 2005 to 2012 and the total data are 16 commercial banks from Taiwan and China,citing Standard Chartered Bank,Bank of China and Bank of Taiwan three commercial banks with the relevant background and development for the study.While the financial crisis seems to come to an end,it remains questionable if more banks would fail in the near future.The thesis try to analyze how to maintain competitive advantages among banks to avoid defeat through twelve financial variables based on CAMEL,then use these variables to examine by descriptive statistics analysis, principal component analysis to derive functions indentifing the differences between banks.The level of importance of financial ratios to the prediction of bank performance is indentified.The principal component analysis functions exhibit satisfactory predictive power.
45
"Discretions over security investments in U.S. banking industry." Thesis, 2011. http://library.cuhk.edu.hk/record=b6075472.
Full textAbstract:
As long as one security is classified into AFS category, I document that banks strategically time the recognitions of gains and losses on AFS securities to smooth earnings, to meet earnings targets, to reduce regulatory costs, or to facilitate seasonal equity offering. These evidences collaborate with my previous results that banks prefer classifying credit risky securities into AFS rather than into trading category.<br>Finally, I investigate market reactions to fair value changes on AFS securities and to trading revenues from trading assets. I show that trading revenues are more persistent, with greater value relevance, and drive more significant stock returns. This evidence indicates that artificially classifying securities which are held for trading purpose into AFS category may have negative impacts on firm values.<br>Given the investment decisions made by the managers, the second issue studied in this thesis is the financial reporting decisions made by banks. To elaborate, banks have discretions to classify the debt securities into available-for-sale (AFS) category vs. trading category depending on the purpose of the holding, while the classification decisions have very different impacts on firms' income statement. Therefore, I study how accounting treatments of AFS and trading category and their different impacts on firms' income statements affect reporting decisions. I find banks inclined to classify credit-riskier securities into AFS rather than into trading category, when banks have weak interest revenues, have high level of income-increasing discretional accruals, have concentrated assets, or have high level of risky assets. But I do not find classification decision is related to bank's capital adequacy ratio.<br>Keywords: Bank holding companies; debt security investments; managerial compensation; trading assets; available-for-sale; SFAS 115; gains trading.<br>This study examines U.S. banks' investment behaviors as well as their financial reporting decisions on debt security investments. Particularly, I focus on two separate but related issues. The first issue examined is whether and how managerial incentives, influenced by the compensation contracts, affect managers' investment decisions on debt securities in the U.S. banking industry. Using a sample composed of top 1,000 bank holding companies from 2001 to 2009, I find that managers, when their wealth is more sensitive to stock return volatility, tend to structure the firms' debt investments with a higher proportion of credit risky securities. Provided that price of credit risky debt securities slumped during the recent financial crisis, that empirical evidence is consistent with the view that managerial compensation may induce excess risk-taking in the U.S. banking industry. The finding is relevant to both researchers and practitioners when they consider restructuring bankers' compensation.<br>Zhou, Chunquan.<br>Advisers: Woody Y. W. Wu; Danqing Young.<br>Source: Dissertation Abstracts International, Volume: 73-08(E), Section: A.<br>Thesis (Ph.D.)--Chinese University of Hong Kong, 2011.<br>Includes bibliographical references (leaves 80-83).<br>Electronic reproduction. Hong Kong : Chinese University of Hong Kong, [2012] System requirements: Adobe Acrobat Reader. Available via World Wide Web.<br>Electronic reproduction. Ann Arbor, MI : ProQuest Information and Learning Company, [200-] System requirements: Adobe Acrobat Reader. Available via World Wide Web.<br>Abstract also in Chinese.
46
Rocha, Joana Isabel Pereira da. "The determinants of Bank Lending in Commercial Banks." Master's thesis, 2017. http://hdl.handle.net/10400.14/23625.
Full textAbstract:
Esta tese desenvolve e estima um modelo de procura de forma a avaliar os determinantes da escolha dos consumidores de serviços de empréstimos bancários em bancos comerciais. De acordo com a literatura de escolha discreta, os consumidores respondem tipicamente ao preço e às características dos produtos. Utilizando dados do setor bancário dos E.U.A. de 2011 a 2015, os resultados sugerem que os consumidores respondem negativamente a um aumento nas comissões de serviço e nas taxas de juro. Além disso, indicam que os consumidores preferem bancos mais recentes e que o risco de crédito do banco não influencia o processo da tomada de decisão.<br>This thesis develops and estimates a demand model for commercial bank loan services to assess the determinants of consumer bank lending choice involving commercial banks. Following the discrete choice literature, consumers typically respond to price and product characteristics. Using data from the U.S. banking industry from 2011 to 2015, the results suggest that consumers respond negatively to an increase in service fees and in loan interest rates. Furthermore, they indicate that consumers prefer younger banks and that asset risk does not influence the decision-making process.
47
Wu, Pei-Fen, and 吳珮芬. "The Impact of Bank Industry Business Model after ECFA." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/24407665448647511195.
Full textAbstract:
碩士<br>國立臺灣海洋大學<br>航運管理學系<br>99<br>At present, many banks want to get into the China mainland market, but the earlier experience of investment and operation showed that it is not easy to work out successfully. The business models are the key technology to gain profit. But there are not many publishes and researches of this topic. Based on the business models of banks after ECFA point of view, the study collect experts’ opinions and analysis the importance to help banks to realize the impact of bank industry business model after ECFA.
According to the collected business model literatures, this study develops three evaluation dimensions of impact of bank industry business model after ECFA including customer interface, strategic resources, and value network. Then it comes out nine criteria including fulfillment and support, relationship dynamics, pricing structure, core competence, strategic assets, core processes, suppliers, partners and coalitions. By combining fuzzy theory, and extent analysis method, This study develops the impact of bank industry business model after ECFA, comparing relative-weights by analytic hierarchy process (AHP).
This article conclusion which shows how ECFA influence the operation mode of bank is as below:
Firstly, in the customer interface, the target customer group is specific (Taiwanese businessman and China capital small and medium-sized enterprise), so as to create the product according to the customer demand, and provide the customer the accomplishment and support.
Secondly, the value network is formed. It’s much easier to setup branches in mainland by the alliance operation. Presently, the financial industry should proactively encourage the exchange of market experience and human resource. As well as to invest local banks to expand mainland sites.
Thirdly, Handling the strategically resources. Currently, taking dual track action of branching strategy and the share-holding strategy, manifest the importance of core property. The enterprise that is more capable would mainly prefer large-scale prate bank.
48
Chen, Chia-Feng, and 陳佳鳳. "The Thesis of Strategic Performance Indicators of Bank Industry." Thesis, 1999. http://ndltd.ncl.edu.tw/handle/31536992914937225139.
Full textAbstract:
碩士<br>國立臺灣大學<br>會計學研究所<br>87<br>In view of the bank industry under the intensely competitive and risk increasing environment, the management of operating performance is playing an increasingly important role. Focusing on the domestic bank industry as the research subject, this research tries to understand the bank industry''s current strategic goals, performance measurement systems, and the links between it''s performance measurement systems and strategic goals by in-depth interviews. In addition, based on the domestic bank industry''s strategic goals at present and the Balanced Scorecard Model emphasizing risk management perspective, this research also suggests a strategic performance measurement system which applies to the domestic bank industry.
Based on the outcomes of this research, the following conclusions are reached:
1. The bank industry''s current strategies fall into nine items: enhancing asset and liability management, enforcing income management, developing comprehensive universal bank businesses, providing services of best quality, expanding the operational scope to invoke synergy, developing new financial products, improving operating efficiency comprehensively, enhancing human resources management, and strengthening risk management.
2. The performance measurement indicators adopted by the five subject companies laid particular stress on the measurement of the financial and operating perspectives, but did not encompass all perspectives of the Balanced Scorecard. Besides, the performance measurement indicators and the strategies of the respective companies did not link up close together.
3. This research designs performance measurement indicators for each perspective of the adjusted Balanced Scorecard Model. The indicators of financial perspective are financial structure, capital allocation analysis, asset utilization efficiency, overdue loan, profitability, earnings achievement ratio, and rate of return. The indicators of customer perspective are operating quantity, growth, goal achievement ratio, the degree of customer satisfaction, and market share. The indicators of internal business processes perspective are the number of new services launched, the efficiency of transaction processing, the frequency of operating equipment utilization. The indicators of learning and growth perspective are training in a specialty of employee and stability of employee. The indicators of risk management are risk exposure, liquidity gap analysis, the interest sensitivity gap analysis and capital adequacy ratio.
49
Chiu, Min-Fen, and 邱敏芬. "The Future of Retail Banking Industry in Bank 3.0." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/mgb7cu.
Full textAbstract:
碩士<br>國立臺灣大學<br>財務金融組<br>104<br>With the advanced technology development, banks are no longer physical and fixed locations. With the network, people can do transactions every time and everywhere. In the new era of Bank 3.0, not only consumers need to change their consumption habits, but banks need to change their strategies to deal with more challenges.
However, the more information customers can receive, the more the loyalty declines. Traditional banks should ensure their innovative strategies could grasp the new market trends. Banks must be equipped with customized financial services so to stand out other competitors and to avoid elimination.
However, some branches and departments must be eliminated under this trend, and so do some employees. We would like to see the banking transformation and the cost reduction. But at the same time, we still need to figure out how to reduce the pain during process, which is the subject of this thesis. This article will explore the communication and counseling between banking management and executives -- how they continue bringing prosperity to each other in this era.
Through questionnaire analysis and in-depth interviews, this study analyzes the attitudes and expectations of local retail banking staffs, and the future strategies of executives. Wealth management is still not out of "people" things. That is to say, even though the whole transaction system might be digitalized, banks still need people, rather than robotics, to solve human’s problems. Therefore, this study suggests business model and strategies as an example for banking executives in the era of Banking 3.0.
50
Tsai, Shu-Chun, and 蔡淑君. "An Analysis of Bank Efficiency in Taiwan Banking Industry." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/fp639r.
Full textAbstract:
碩士<br>銘傳大學<br>經濟學系碩士班<br>95<br>The study uses DEA and chooses interest expense, employee expense, constant asset and non-performing loans as input variables; interest revenue, non-interest revenue and total investment are output variables. The objective is to estimate efficiency on whole banks which are divided into two groups, including non-financial holding banks and financial holding banks in order to compare their differences in total technical efficiency, pure technical efficiency and scale efficiency. In addition, this study measures an influence on efficiency after government implemented the first stage financial reform. At last, it uses Mann-Whitney test to analyze whether managerial efficiency of banks is significant difference or not. All results are as follows:
1. China Development Industry bank, Cathay United bank, Taishin International bank, Central Trust of China and Industrial bank of Taiwan are perfect efficient banks from 2001 to 2006.
2. Except 2003, pure technical inefficiency is the main cause of inefficiency of banks within the other years.
3. Taking 2006 as an example in the slack analysis, there are 14 banks do not decrease input and increase output. These banks’ all kinds of efficiency are 1 and their input and output are optimal. They reach CCR-Efficiency.
4. Financial holding banks are better at technical efficiency, pure technical efficiency and scale efficiency than non-financial holding banks.
5. Technical efficiency, pure technical efficiency and scale efficiency in whole banks after implementing the first stage financial reform are not better than before.