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1
Galvonaitė, Alina. "Banko paslaugų kokybės gerinimas AB banke „NORD/LB“ Lietuva." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2006~D_20090908_012004-65843.
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Darbo tema "BANKO PASLAUGŲ KOKYBĖS GERINIMAS AB BANKE „NORD/LB“ LIETUVA"Darbo objektas - AB bankas „NORD/LB" Lietuva.Pirmoje dalyje pateikta kliento ir paslaugų tekėjo sąveikos teorinė analizė. Antroje dalyje analizuojamas atliktas tyrimas. Trečioje darbo dalyje pateikiamos paslaugų teikėjo ir kliento sąveikos tobulinimo rekomendacijos. Darbo pabaigoje pateikiamos išvados bei rekomendacijos.Services are one of the fastest growing economical sectors in all worlds, including Lithuania. One of the most important parts of this sector is financial services, which produces more than 25 % of all services' sector income. One of the financial services main characteristics - money and time, requiring total assurance between services' conveyor and customer. So, a very important thing in financial services is quality of process, based on interaction between services' conveyor and customer. The purpose of this work is to make the instruments to improve the quality of interaction between " NORD/LB" Lietuva bank and its individual customers after the determination of current quality level. Based on this purpose, in the first part of this work was analyzed the current situation in Lithuania's financial services and the perception level of services quality. The analysis showed that the interaction between services' conveyor and customer is one of the main factors to success in banking sector, influencing the trust of current and potential customers and directly with this connected market share growth. In the second part of this work was made the analysis of scientific literature, with the purpose to estimate theoretical background of interaction marketing use in banking services sector. Based on this analysis was made the client's and banking services' conveyor interaction model, which was used in "NORD/LB" Lietuva services quality analysis. The analysis of "NORD/LB" Lietuva and... [to full text]
2
Kudinova, Julija. "Likvidumo rizikos valdymas komerciniame banke „AS UNICREDIT BANK“ pavyzdžiu." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2012. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2012~D_20120723_105005-24213.
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Esant sudėtingai ekonominei situacijai verslo rizikos įvertinimas ir valdymas tampa aktualia problema. Nestabilumas reikalauja nuolatinio dėmesio banko likvidumo vertinimui ir valdymui. Sudėtingėjant ekonominėms sąlygoms, likvidumo rizikos valdymas negali būti izoliuotas procesas. Magistro darbe išanalizuoti ir susisteminti Lietuvos ir užsienio autorių darbai likvidumo rizikos valdymo temomis. Apibendrinami esminiai likvidumo rizikos vertinimo ir valdymo metodai bei principai. Atlikta mokslinės literatūros analizė bei kiekybinis rezultatų vertinimas. Teorinėje ir praktinėje dalyse siekiama apibrėžti likvidumo riziką ir jos valdymo strategijas komerciniame banke, įvertinti likvidumo rizikos valdymą konkretaus banko pavyzdžiu. Atlikta „AS UniCredit Bank“ likvidumo rizikos analizė, vertinimas pagal nustatytus normatyvus bei testavimas nepalankiomis sąlygomis pagal tris galimus scenarijus. Mokslinės literatūros analizė bei kiekybinis rezultatų vertinimas iliustruotas lentelėmis ir paveikslais. Pasiūlytos likvidumo vertinimo ir valdymo metodų tobulinimo kryptys. Darbą sudaro 8 dalys. Darbo apimtis – 54 p. teksto be priedų, 3 iliustr., 15 lent., 38 bibliografiniai šaltiniai. Atskirai pridedami darbo priedai.The business risk assessment and management is becoming important problem in a difficult economic situation. Instability requires constant attention to liquidity measurement and management. Due to Complexity of economic conditions, liquidity risk management process can not be isolated. Liquidity risk management topics of Lithuanian and foreign authors are analyzed and structured in Master’s work. The essential liquidity risk measurement and management methods and principles are summarized. An analysis of scientific literature and quantitative evaluation of the results is performed. The theoretical and practical parts define liquidity risk ant risk management strategies in a commercial bank, the liquidity risk management model for a particular bank is assessed. AS UniCredit Bank's liquidity risk analysis, assessment according to established standards and testing in adverse conditions, according to three scenarios was performed. The scientific literature analysis and quantitative evaluation of the results is illustrated by tables and pictures. Trends of The liquidity measurement and management of development are suggested. The work consists of 8 parts. Work size - 54 p. without appendixes, 3 pictures., 15 tables., 38 references. Appendixes included separately.
3
Dzikevičius, Audrius. "Prekybinio portfelio rizikos valdybas banke." Doctoral thesis, Lithuanian Academic Libraries Network (LABT), 2006. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2006~D_20060404_135845-50706.
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Sparčiai kintant finansinių institucijų veiklos sąlygoms, didėjant finansinių rinkų nepastovumui bei veiklos mastams, atsirandant vis naujoms finansinėms priemonėms, o kartu su jomis ir naujoms finansinių institucijų rizikos rūšims, ypač išaugo prekybinio portfelio rizikos valdymo poreikis. Tą įrodo ir tai, kad po eilės solidžių ir pakankamai konservatyvių finansinių institucijų, tokių kaip Baring, Daiwa, Sumitomo, Metallgesellschaft, Orange County, Long Term Capital Management, bankrotų ar milžiniškų nuostolių patyrimo praeito amžiaus paskutiniame dešimtmetyje didžiosios pasaulio finansinės institucijos bei šalių centriniai bankai ėmė iš esmės griežtinti rinkos rizikos valdymo procedūras. Kaip parodė vėlesnė minėtų kompanijų istorijos analiz�����, pagrindinė jų nuostolių ar bankrotų priežastis buvo nesugebėjimas tinkamai valdyti prekybinį portfelį įtakojančios rinkos rizikos. Prekybinio portfelio rizikos valdymas tampa vis aktualesnis ir Lietuvos finansinėms institucijoms, ypač investicinių bei pensijų fondų valdytojams, investuojantiems į užsienio vertybinius popierius, denominuotus kitomis valiutomis nei litas ar euras.The scientific problem of the dissertation is search of adequacy of the trading portfolio risk management methods and models to the current economic, technological, and informational circumstances of financial institutions. The main features of science novelty characteristic to this research are the following: (i)the comparative study on Value at Risk estimation methods allowed to make important theoretic conclusion that selection of Value at Risk estimation methods depends mostly on characteristics of the portfolio under investigation; theoretic recommendations regarding selection of Value at Risk estimation methods were suggested as well; (ii)the comparative study on performance of volatility forecasting models allowed to make important theoretic conclusion that selection of Value at Risk estimation methods depends on characteristics of the data under investigation and selected criteria for assessment of forecasting accuracy; in the context of risk management, the priority was given to operational rather than statistical accuracy assessment techniques in the context of risk management; (iii)the comparative study on risk adjustment measures allowed making important theoretic conclusion that selection of risk adjustment measures depends mostly on characteristics of the portfolio under investigation; theoretic recommendations regarding selection of risk adjustment measures were suggested as well.
4
Paknytė, Ernesta. "REKLAMOS STRATEGIJOS FORMAVIMAS AB BANKE „SNORAS“." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2009~D_20090827_110011-89768.
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Magistro darbe yra išanalizuoti ir susisteminti įvairių Lietuvos ir užsienio autorių mokslinės literatūros šaltiniai apie reklamos strategiją, formavimą ir įgyvendinimą. Tyrimas atliktas analizuojant AB banko „SNORAS“ reklamos strategiją. Darbą sudaro keturios dalys. Pirmoje ir antroje šio darbo dalyse analizuojami teoriniai reklamos ir reklamos strategijos kūrimo aspektai. Trečioje darbo dalyje apibūdinama AB banko „SNORAS“ veikla. Pateikiami šios bendrovės komunikacijos ir reklamos tikslai. Analizuojami AB banko „SNORAS“ reklamos pranešimo kūrimo ir žiniasklaidos priemonių parinkimo ypatumai. Pateikiamas reklamos biudžetas. Ketvirtojoje darbo dalyje pateikiami atlikto tyrimo rezultatai apie reklamos reikalingumą. Darbo pabaigoje pateikiamos išvados, naudotos literatūros sąrašas bei priedai.This thesis analyses and systematizes the scientific literature sources of various Lithuanian and foreign authors about the advertising strategy, formation, implementation. The research has been carried out at Bank „SNORAS“. This work consists of preface, four parts, conclusion, offers, literature list and supplements. The structure of this work is - theoretic and practical parts. In theoretic parts there were described about the advertising and advertising strategy, the creation and use of it. Part third examines the activities of the Bank „SNORAS”; available in the Bank of communication and advertising objectives; analysis of Bank „SNORAS” advertising message development and media selection features; give your advertising budget. The four part proposes strategic decisions for improvements by adapting to client options.
5
Ylaitė, Živilė. "Palūkanų normos rizikos valdymas komerciniame banke." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2014. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2007~D_20140626_161737-85374.
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Palūkanų normos rizikos vaidmuo komercinio banko veikloje bei šios rizikos įtaka banko veiklos rezultatams pastaraisiais dešimtmečiais augo plečiantis finansinių rinkų infrastruktūrai bei stiprėjant konkurencijai. Todėl bankai, kad palūkanų normos rizika nesumažintų banko konkurencingumo skiria jai vis daugiau dėmesio, stengdamiesi ją išlaikyti priimtiname lygyje, diegdami valdymo modelius, taikydami apsidraudimo priemones bei prognozuodami palūkanų normų pokyčius, tuo pačiu skatindami mokslinę visuomenę tyrinėti palūkanos normos riziką įvairiais aspektais. Šio darbo objektu yra palūkanų normos rizika bei jos valdymas komerciniame banke, o pagrindinis darbui iškeltas tikslas - išanalizuoti palūkanų normos rizikos valdymo teorinius aspektus bei atlikti praktinį palūkanų normos rizikos valdymo tyrimą komerciniame banke. Darbą sudaro trys dalys, iš kurių pirmojoje analizuojami teoriniai palūkanų normos valdymo aspektai, susipažįstant su palūkanų normos samprata bei ją sąlygojančiomis teorijomis, analizuojant palūkanų normos rizikos sudedamąsias dalis bei jos įvertinimo metodų įvairovę, jų privalumus bei trūkumus, svarstant palūkanų normos prognozavimo reikšmę palūkanų normos rizikos valdymo procesui bei nagrinėjant kokiomis priemonėmis galima apsidrausti nuo palūkanų normos rizikos. Antrojoje darbo dalyje, siekiant įvairiapusiškai atskleisti palūkanų normos rizikos valdymą komerciniame banke, Lietuvos komercinių bankų sektoriaus pavyzdžiu atliekamas palūkanų normos rizikos... [toliau žr. visą tekstą]The role of interest rate risk in the activity of the commercial bank, as well as influence of this risk to the banks’ financial results, was recently growing in the past decades, while the infrastructure of financial markets was developing and the competition between financial institutions was strengthening. The object of this graduation paper is interest rate risk and its’ management in the commercial bank and the main upraised purpose is to analyze theoretical aspects of the process of interest rate risk management and to make a practical study of interest rate risk management in the commercial bank. The paper consists of three parts, whereof in the first parts the theoretical aspects of interest rate risk management are analyzed, acquainting with the conception and theories of interest rates, analyzing the components of interest rate risk and the variety of its’ evaluation methods, their advantages, disadvantages, as well as discussing the significance of forecasting interest rate risk for the process of interest rate risk management and analyzing the instruments of hedging against interest rate risk. Aiming variously to reveal the interest rate risk management in the commercial bank, the study of interest rate risk management in the example of sector of Lithuanian commercial banks is made in the second part. The comparison with the abroad banks and indication of main problems are also made in this part of graduation paper. The benchmarks of the further improvement of... [to full text]
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Pipirienė, Jurgita. "Kokybės vadybos elementų taikymas AB DNB BANKE." Bachelor's thesis, Lithuanian Academic Libraries Network (LABT), 2012. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2012~D_20120702_112334-83089.
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Bakalauro baigiamajame darbe vertinama kokybės elementų taikymo AB DNB banko Naujosios Akmenės klientų aptarnavimo poskyryje praktika. Darbą sudaro teorinė ir empirinė dalys, pateikiamos rekomendacijos ir pasiūlymai. Teorinėje darbo dalyje atskleidžiama visuotinės kokybės vadybos samprata, jos taikymo paslaugų sektoriuje ir bankininkystėje ypatumai. Empirinėje dalyje analizuojamas atliktas kokybinis tyrimas, kuriuo buvo siekiama sužinoti ir įvertinti AB DNB banko Naujosios Akmenės klientų aptarnavimo poskyrio darbuotojų požiūrį į visuotinės kokybės vadybos elementų taikymą bei to teikiamą naudą. Grupinio interviu metodu apklausti visi darbuotojai. Atlikto tyrimo metu nustatyti visuotinės kokybės vadybos elementų taikymo trūkumai, pateiktos išvados ir rekomendacijos kokybės vadybos sistemos tobulinimui. Darbą sudaro: įvadas, du skyriai, pasiūlymai ir rekomendacijos, naudotos literatūros sąrašas, kurį sudaro 35 šaltiniai, bei priedai. Darbo apimtis – 68 puslapiai, jame pateikta penkiolika lentelių ir du paveikslai.This final bachelor thesis assesses implementation of quality management elements in Naujoji Akmenė customer service sub-branch of AB DNB bankas. It consists of theoretical and empirical parts, recommendations and proposals. The theoretical part of this work reveals the concept of total quality management, peculiarities of its implementation in service sector and banking. The empirical part analysis accomplished qualitative research, which was designed to find and evaluate employees’ perceptions of total quality management and its beneficial effects. All employees were examined by arranging group interview. The study identified the deficiencies of total quality management elements’ implementation and proposed conclusions and recommendations on quality management system development. Work structure: introduction, two chapters, proposals and recommendations, references of thirty five sources and appendices. The volume of works is sixty eight pages with fifteen tables and two figures included.
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Gardlík, Peter. "Model business procesov interného auditu v banke." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-203874.
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This diploma thesis deals with a model of internal audit business processes at the bank. The diploma thesis is divided into three parts logically connected, which also fulfill the objectives of this thesis. The first part is theoretical, which means that is based on expressing theoretical assumptions about the studied subject. This is followed by a practical part in which the next objective is fulfilled by the proposed model of internal audit business processes using the methodology MMABP (Methodology for Modeling and Analysis of Business Processes). The thesis ends fulfilling the last objective by setting up appropriate key performance indicators (KPI).
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Petrášová, Alexandra. "Využitie informačných systémov pri riadení prevádzky v banke Banco Popolare Česká republika." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10557.
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The aim of this thesis is to show the past and present situation of the bank Banco Popolare Česká republika and group Banco Popolare in the world. I will focus on usage of information systems in banks generally and I will analyze and evaluate the implementation of banking information system BankUp. I will identify the main problem points and propose some actions to be helpful in the future. I will try to find a new potential of connection of BankUp with Internet Banking and system Customer Relationship Management.
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Muller, Gert Cornelius. "Die aanspreeklikheid van banke as geldskieters vir skade aan die omgewing : 'n regsvergelykende studie / deur G.C. Muller." Thesis, North-West University, 2004. http://hdl.handle.net/10394/160.
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Banks play an increasingly important role in the economy because they are in
a position to, inter alia, promote development of the environment by utilising
their financial resources. In some instances lenders who took up finance from
banks are responsible for damage to the environment. Why should banks that
financed projects, in the normal course of events, be held liable for damage to
the environment caused by borrowers? The question may be answered by a
comparative legal study of the 2002 European Union Proposal for a Directive
of the European Parliament and of the Council on Environmental Liability with
regard to the prevention and remedying of environmental damage; the
Comprehensive Environmental Response Compensation and Liability Act of
1980 (CERCLA) of the United States; Part IIA of the Environmental Protection
Act of 1990 (EPA) of the United Kingdom and section 28 of the National
Environmental Management Act of 1998 (NEM A).
NEMA, has its foundation in section 24 of the Constitution of the Republic of
South Africa. It incorporates sustainable development as a tool to harmonise
the necessity to develop with the need to protect the environment. At the same
time NEMA emphasises the role of the principle of intergenerational equity,
which presupposes the duty of the current generation to hand over the earth in
a better condition than in which it was received from the previous generation.
In the future banks, when finance is considered for projects that may harm the
environment, must take environmental as well as economical factors into
account. Purely economical reasons cannot be the only relevant factor.
Development that is financially sound will have to be weighed up against
social factors as well as the impact that it will have on the environment.
Section 28 of NEMA places a general duty of care on every person who
causes, has caused or may cause significant pollution or degradation of the
environment to prevent such pollution or degradation from occurring,
continuing or recurring. The persons saddled with the duty of care are the
owner, the person in control, or the person who has the right to use land or
premises. Banks may, under certain circumstances, be considered to be the
owner, person in control, or even the person who has the right use land or
premises. The polluter pays principle is introduced by section 28 as a basis for
liability but the principle is expanded to include, not only the polluter, but also
entities, such as banks, who in no way whatsoever, contributed to pollution or
degradation. NEMA affords no protection to banks in cases where banks
became owner of land by virtue of their security interest in the property. By
following established commercial practices, banks may be held liable for
environmental damage caused by their clients or erstwhile clients.
The traditional role of banks as financial institutions has to change because of
the duty placed on banks by the Constitution and NEMA to act as instruments
in the protection of the environment. By exerting their influence and by
implementing new procedures banks will be able to draw the attention of
prospective clients to the need to comply with environmental legislation.
In terms of the 2002 Directive of the European Union, the operator who directs
an operation by which damage is caused can be held liable for environmental
damage. It is necessary to prove that the bank exercised operational control
over the business of the borrower. The 2002 Directive is more restrictive than
section 28 of NEMA.
CERCLA is the primary federal legislation dealing with pollution of hazardous
substances. The Environmental Protection Agency has the authority to recover
the costs for the reparation of damage to the environment. After the US v Fleet
Factors Corporation decision the position was that banks might be held liable if
their involvement with the management decisions of the borrower are such
that they are in a position to influence the decisions of the borrower. The Asset
Conservation Lender Liability and Deposit Insurance Protection Act of 1996
(ACA) changed the magnitude of the Fleet Factors decision. Provision is made
by ACA to exempt lenders who held security in terms of a secured creditor
exemption, on the condition that the property is alienated at the earliest
practicable commercially reasonable time after acquiring it. The requirement
for liability is that banks must exercise control over the day-to-day activities of
a borrower.
The Environmental Protection Act of 1990 in the United Kingdom states that
the owner (other than the mortgagee in possession) is the person who has the
right to receive the rent of the property if the property was let out. It includes
the occupier of the property. The test is whether such a person is in control of
the property. If the inference can be drawn that the lender is in control then it
can be held liable for environmental damage. EPA, CERCLA as well as the
Directive makes it clear that if sufficient control is exercised by a lender over
the business of a borrower it may be held liable for damage to the
environment.
The emphasis should rather be placed on the ability of banks, generally, to
influence borrowers than to hold them liable for damage caused to the
environment by borrowers.Thesis (LL.M. (Import and Export Law))--North-West University, Potchefstroom Campus, 2005.
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Lundberg, Martin, and Viktoria Börjesson. "Vilka faktorer påverkar lönsamheten hos banker med skilda ägarstrukturer?" Thesis, Högskolan i Skövde, Institutionen för handel och företagande, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-18777.
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Banker är katalysatorn i det finansiella systemet och har en viktig roll för ekonomins tillväxt och för att människors välfärd ska kunna växa. Att en bank är lönsam är inte av vikt enbart för den enskilda banken, utan för hela samhället i stort. Runt om i världen finns många olika sorters banker, som drivs på olika sätt och har olika ägarkonstellationer. Affärsbanker i Sverige ägs av flera tusentals aktieägare och drivs på en operativ nivå av en utvald VD. På en organisatorisk nivå så utgörs beslutsfattandet istället av en utvald styrelse. I Schweiz finns banker med olika ägarstruktur, där en av associationsformerna är partnerskapsbanker. Dessa bedrivs av partners, ofta väldigt få (8–10 personer) som agerar styrelse, ägare och VD. Det finns tidigare studier som undersökt hur lönsamheten påverkas hos banker, där dessa studier har sett till hur utländskt, statligt och privatägande har påverkat bankernas lönsamhet. Dessa studier uppvisar emellertid motstridiga resultat. Denna studie valt att belysa två extremfall, det vill säga banker med starkt centrerat ägarstruktur (partnerskapsbanker) och banker med extremt spritt ägande (svenska storbanker). Syftet med denna studie har varit att explorativt undersöka om banker med olika ägarstrukturer uppvisar lönsamhetsskillnader och vad dessa beror av. Detta genom en statistisk undersökning där ett antal vedertagna förklaringsvariabler används. En jämförande kvantitativ studie har tillämpats och i studien har tre stycken schweiziska partnerskapsbanker och tre stycken svenska affärsbanker jämförts med varandra samt analyserats under perioden 2014–2018. Den data som insamlats baseras på en nyckeltalsanalys samt en PEST-analys, där interna och externa nyckeltal samlats in. Där den insamlade data sedan har analyserats med konstruerade regressionsmodeller för att undersöka, vilka, eller om några av de utvalda förklaringsvariablerna förklarar lönsamheten. Genom studies resultat kan vi fastställa att lönsamhetskillnader mellan partnerskapsbanker och affärsbanker finns. Emellertid så kan vi konstatera att de förklaringsvariablerna som studien använts sig av inte kan förklara dessa lönsamhetskillnader på lönsamhetsmåtten räntabilitet på totalt kapital och räntabilitet på eget kapital. För att helt kunna undanröja misstanke om att förklaringsvariablerna inte är signifikanta, så krävs ytterligare forskning med en längre tidsperiod. Denna studie har en begränsning i antalet år, där den period som observerats lett till att studien fått färre observationer än önskvärt. Materialet som idag finns att tillgå är begränsat till åren 2014–2018. Detta beror på att de schweiziska partnerskapsbankerna först 2014 började publicera sina årsredovisningar offentligt. Studien sträcker sig till 2018 för att det är det längsta tillgängliga materialet som kan undersökas. Tidigare studier inom området som använder sig av samma förklaringsvariabler som valts i denna studie och dessa uppvisar statistiskt signifikanta värden på de flesta utvalda förklaringsvariablerna, med några undantag. En skillnad, mellan tidigare studier och denna som är av stor betydelse är att värdena baseras på längre tidsperioder alternativt att fler banker har observerats, vilket allt annat lika ger fler observationer. Studiens resultat analyseras sedan utifrån tidigare studier samt principal-agent teorin.Banks could be seen as the catalyst for the financial system and therefore often seen as an important role for the economy's growth and for peoples’ wellbeing. It’s not only important for the bank itself to be profitable, but also for the country as a whole. Around the globe there are quite a large number of different banks, that is run differently and has different types of owner structures. Commercial banks in Sweden are owned by thousands and thousands of owners and are driven on an operative level by a CEO and with an executive board on an organizational level. In Switzerland there is a broad spectrum of different banks and different corporate forms. One of them is partnership banks, these banks have partners (i.e. owners) who work as CEOs’, executive board and owners combined. There are other studies that has analyzed the relationship between bank ownership and profitability. These studies show inconsistent results. This study aims to examine two extreme cases, Swedish banks with a broad ownership base versus swiss banks with a very limited number of owners to illustrate how the ownership affects the profitability. The study aims to examine why these banks exhibit different levels of profitability and if these differences can be explained by a few conventional explanatory variables. To examine these banks the study has done a comparative quantitative study, where three swiss partnership banks has been compared with three Swedish banks during the period 2014-2018. The data that has been gathered is based on a key-figure analysis and a PEST-analysis. The data has then been analysed with constructed regression models to understand, if or to which extent the explanatory variables explains the differences in profitability. The results of this study exhibit that there are differences in profitability between the Swedish and Swiss banks. However, the study can’t establish if most of the chosen explanatory variables are significant. And therefore, the study cannot establish whether or not these variables have an impact on the profitability key-figures return on equity and return on total capital. To be sure if these variables are significant or not, future studies need to examine a longer time period. This study has a shortage of data due to the swiss banks. These banks started to publish annual reports in 2014. It’s worth mentioning that previous studies that have used the same variables have been able to show that these are significant, or at least most of them. This is often due to longer examined time periods or a larger number of banks included in the data. The results of this study have been analysed and compared with previous studies and the agency theory.
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Nel, Tiaan. "Intellektuele kapitaal by 'n Suid Afrikaanse bank : 'n gevallestudie / Tiaan Nel." Thesis, North-West University, 2013. http://hdl.handle.net/10394/9808.
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Intellectual Capital is considered an intangible asset that occurs in many organizations, especially service organizations, mainly because South African banks offer a service to their customers. This results in Intellectual Capital being an important factor in obtaining competitive advantage and success.
If organizations do not consider Intellectual Capital as an important factor, it could lead to brands devoted to competitors, the loss of talented employees and unsatisfied customers. This in turn could affect the image of the organization. Financial organizations have the responsibility to identify and to monitor the various components of Intellectual Capital. Intellectual Capital consists of three main components, namely, Human Capital, Structural Capital and Relationship Capital.
One of the biggest challenges of Intellectual Capital is that no one hundred percent accurate measurement method exists to measure Intellectual Capital items. An inaccurate value of Intellectual Capital leads to inaccurate disclosure of financial statements which, in turn, could result in various stakeholders (such as shareholders and public) losing faith and confidence in the organization.
The purpose of the study is to describe the various components of Intellectual Capital, the linked costs and to examine the measurement of Intellectual Capital, in order to provide accurate disclosure.
An empirical study was conducted to assess the impact and importance of Intellectual Capital in a South African bank. Recommendations were made on the manner problems regarding Intellectual Capital are managed and dealt with by the management of the bank.Thesis (MCom (Management Accountancy))--North-West University, Potchefstroom Campus, 2013.
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Mikšová, Lucie. "Potíže bank v České republice v letech 1993-2003." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10819.
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At the end of the 20th century and at the beginning of the 21st century, most banks in the Czech Republic got into trouble. Some banks overcome this problems, but others have to cease their activities and lost their banking license. Difficulties of banks varied from case to case, but there were some common attributes. The first objective of this work is to find these common attributes. The second objective of this work is to identify "culprits" who were most involved in the difficulties of banks in the Czech Republic in the years 1993-2003. Method of incomplete induction will be used in this work. First of all, from all banks, which had difficulties in the years 1993-2003, I selected a sample of ten banks. Then for each bank I will detect the main causes of its problems. Subsequently, through a comparative method, I will determine the most frequent causes of the problems of banks in the years 1993-2003. To each cause I will assign a group of persons or institutions that contributed to its emergence. Finally, according to frequency of institutions and groups, I will identify the main "culprits", who were most involved in the difficulties of banks in the years 1993-2003. This work will be based primarily on the sources available in the library of University of Economics, the Library of the Czech National Bank and specialized literature, which deals with this issue.
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Zhulmanova, Ainur. "Finanční analýza Evropsko-ruské banky, a.s." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-193136.
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This thesis deals with the financial analysis of the Evropsko-ruská banka, a. s. The first part of the thesis presents the existing theoretical knowledge of banks' financial analysis. The second part focuses on the application of the theoretical knowledge on the selected bank. The application is based on the implementation of horizontal and vertical analysis of the basic financial statements and calculating financial ratios. For better interpretation of performed financial analysis the activity of Evropsko-ruská banka, a. s. is compared with the one of banking sector.
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Dzurendová, Vieroslava. "Fúze HVB Bank a Živnostenské banky sloučením." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-3514.
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Diplomová práce pojednává o fúzí HVB Bank a Živnostenské banky sloučením, zabývá se konečnými účetními závěrkami zúčastněných společností, zahajovací rozvahou a zápisem fúze do obchodního rejstříku. Blíže popisuje smlouvu o fúzi a prosesy, které probíhaly uvnitř fúzujících bank s bližším zaměřením se na implementaci iformačního systému, vytvořením nové organizační struktury, procesem obsazovaní pozic a produktovou nabídkou.
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Stráníková, Martina. "Analýza marketingových komunikací vybraných nových bank na českém trhu." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113161.
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The aim of this master thesis is to analyze marketing communication of new banks which entered the Czech market in 2011. The first part of the thesis contains the theoretical background regarding marketing in services, marketing communication and methodology of market research. The practical part deals with the analysis and comparison of marketing communication of Zuno, Air Bank and Equa bank. The practical part contains own quantitative and qualitative market research focused on perception of marketing communication of these banks by the public and their clients. Based on this research and SWOT analysis the possibilities of improvement in the future are presented at the end of the thesis.
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Čápová, Jana. "Komparace postavení jednotlivých institucionálních typů v současném českém bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-5319.
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The major goal of this work is to compare positions of different institutional types active in the banking sector in the Czech Republic. The emphasis is being given to the description of gradual mutual convergence and interactions of particular institutional types in the context of changes undergoing in a transition economy since 1990. The second part of this work analyses the framework for the operation of different institutional types and compares their positions against clients, owners and supervisor. The last part of the work is a comparative analysis of economic indicators for each institutional type in the context of changes in the market and legal environment since 2004.
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Bučko, Ján. "Privatizácia veĺkých českých bánk." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-4375.
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The Graduate Theses is describing a way of how banking worked in Czech Republic before the year 1989. It discusses changes which has Czech banking undergone ten years afterwards. It describes the period of founding both foreign and domestic financial institutions. The thesis analyses contribution of presence of foreign banks, occurring problems of small domestic banks and hegemony of four half-state owned banks. At the same time it discusses the coupon privatization from the view of occurring effects in banking sector. In connection to this, it does not leave out existence of capital cohesion in between the banks. Thereinafter the graduation paper deals with measuring of concentration with Herfindahl-Hirshman's index, in order to clearly confirm specific, Czech banking environment, with existence of four large banks and lots of small and middle-sized banks. The main goal of thesis was to focus on strategic privatization of four large banks. It analyses given topic from the point of costs which occurred with delay of privatization, and it creates a question about timing of privatization. Every bank is analyzed in this way from the beginning of nineties till the sale to a strategic investor.
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Hýblová, Monika. "Vztah nezávislosti a odpovědnosti centrálních bank na příkladu FEDu a ČNB." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-199086.
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This paper compares economical and political independence to a success rate of monetary policy of national banks, on a case of Fed and the Czech National Bank. Based on my definition of independence and accountability based on literature, I show that price stability defined as a main goal is the key factor. If the goal consists of more indicators, there is space for political pressure and the success rate decreases. Some rate of independence is necessary in order to achieve a healthy economy, however, total independence cannot be the target. Accountability then works towards independence as a system of achieving legitimacy, not as a substitute. Public inflation aversion is also considered as an important factor for achieving price stability.
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Kämpe, John, and Pererik Sewerin. "Missnöjeshantering inom banker : - En fallstudie av Nordea Bank." Thesis, Mälardalens högskola, Akademin för hållbar samhälls- och teknikutveckling, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-14263.
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Sammanfattning Syfte: Syftet med denna uppsats är att undersöka missnöjeshantering hos Nordea Bank. Uppsatsen undersöker hur Nordeas missnöjeshantering överensstämmer med en egen utformad modell för missnöjeshantering. Utfallet förväntas resultera i en reviderad modell för missnöjeshantering samt att utreda om Nordea Bank kan förbättra sin missnöjeshantering. Metod: Studien utgörs av kvalitativa intervjuer. Lokalkontor i Västerås och Sala har intervjuats, samt Nordeas kundombudsman, pressansvarig och privatmarknadschef . Utifrån litteraturundersökningen konstruerades en modell som bygger på de variabler som förväntas påverka missnöjeshanteringsprocessen. Modellen användes som grund för teori och utformning av intervjuguide. ”Klipp och klistra metod” användes i empirin för att placera in intervjun under passade rubriker. Analysen jämförde empiri med teori som leder fram till en reviderad missnöjeshanteringsmodell och förbättringsförslag . Slutsatser: Nordea har en fungerande klagomålshantering med individuella mandat som är en viktig komponent för att ge kunderna en bra och snabb hantering. Det som är minst överensstämmande med den egen utformade modellen i jämförelse med Nordea är att banken inte återkopplar till lokalkontoren om vad som sker och åtgärdas i missnöjeshanteringen. Förslag på förbättringsåtgärder är att Nordea behöver utbilda anställda i kundbemötande och klagomålshantering. Banken behöver driftsäkra internetbanken, en tydligare kommunikation och förtydliga avgifter och kostnader för sina kunder. Utöver detta behöver Nordea förbättra sin återkoppling till lokalkontor och implementera en uppföljningsprocess.Abstract Purpose The aim of this thesis is to examine if the process in which Nordea Bank handles with dissatisfaction management complies or deviates from a proprietary model for handling dissatisfaction. The outcome is expected to result in a revised theoretical model for Nordea´s dissatisfaction management as well as improvement proposals for Nordea Bank. Method: The study consists of qualitative interviews. Employees from Nordea Bank both in the municipalities of Västerås and Sala have been interviewed, as well as Nordea’s customer ombudsman, press-officer and the manager for private marketing. Based on the literature review, an advanced model of dissatisfaction management was constructed, built on variables expected to affect dissatisfaction management. This model was then used as a base for the theory and the design of the interview guide. "Cut and paste" method was used in the empirical data with the aim of placing the interviews under each of its appropriate heading. The analysis then compared the empirical data with the previous theories from the literature review, leading to a revised model on handling with dissatisfaction management and suggestions on improvement for Nordea. Conclusions: Nordea Bank has a good dissatisfaction management. The employee mandate is a key component to give customers a good and fast handling. What is least consistent with the proprietary model is that Nordea Bank does not give feedback to its local offices on how the bank deals with the dissatisfaction management. A suggestion for improvement is that Nordea needs to coach their employees both in customer service and in complaint handling. The bank needs to have a more reliable internet bank, a clearer communication and to clarify their fees and costs for customers. Furthermore, Nordea needs to improve its feedback to the local offices and also implement a monitoring process.
Denna uppsats ingår i forskningsprojektet "Klagomålshantering i bank- och finanssektorn" vid Mälardalens högskola och är en av tre uppsatser som har undersökt missnöjeshantering i svenska banker.
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Voborská, Hana. "Příležitosti marketingové komunikace banky Waldviertler Sparkasse Bank AG." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-264359.
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Diploma thesis focus on topic about marketing communication chosen bank. Aim of this thesis is analyze current marketing communication of Waldviertler Sparkasse Bank AG and propose recommendation. Structure of this thesis is three parts, theoretical, practical and final recommendations. First part is focused on marketing theory and communication mix of services. First chapter of practical part contained presentation of chosen bank and analyses current marketing activities. Bank was compared with other competing bank subjects with positioning map, semantic differential and my own observation. For purpose of thesis were used two survey, first survey compared chosen bank institutions and second was about bank marketing. At the end was evaluated current communication of Waldviertler Sparkasse Bank AG and recommendation how improve communication for more effectiveness.
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Vaičiulionienė, Daiva. "Bankų patikimumas: jaunimo ir banko darbuotojų nuostatos (“Swedbank” atvejis)." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2011. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2011~D_20110712_150437-38432.
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Darbą atliko Vilniaus pedagoginio universiteto Socialinių mokslų fakulteto Sociologijos ir politologijos katedros studentė Daiva Vaičiulionienė. Darbo tema: „Bankų patikimumas: jaunimo ir banko darbuotojų nuostatos („SWEDBANK‘ atvejis).
Darbo tikslas: atskleisti jaunų (18-26 metų ) „Swedbank“ banko klientų, šio banko darbuotojų ir padalinių vadovų nuostatas į banko patikimumą bei išskirti svarbiausius patikimumo kriterijus.
Darbo uždaviniai :
1. Pateikti bankų socialinės atsakomybės sampratą
2. Aptarti bankų patikimumo vertinimo kriterijus.
3. Atskleisti kokiomis banko paslaugomis ir kaip dažnai naudojasi jaunimas.
4. Ištirti banko patikimumo kriterijų vertinimą jaunimo (18-26 metų klientų) , darbuotojų ir padalinių vadovų tarpe.
5. Gautus klientų analizės rezultatus palyginti su vyresnių (turinčių daugiau nei 27 metus) „Swedbank“ klientų požiūriu.
6. Atskleisti kaip "Swedbank" banko darbuotojai ir padalinių vadovai supranta „patikimą banką“, palyginti jų požiūrius.
7. Palyginti jaunimo (18-26 metų banko klientų) nuostatas į bankų patikimumą Lietuvoje su „Swedbank“ darbuotojų bei vadovų nuostatomis ir pateikti siūlymus, kaip siekti aiškesnio ir abipusio supratimo.
Tyrimo hipotezės:
1. Jaunesni (18-26 metų) banko klientai labiau pasitiki „Swedbank“ banku nei vyresni (41 metų ir vyresni ) klientai.
2. Jaunesni (18-26 metų) banko klientai teigia, kad svarbiausi yra banko orientacijos į klientą veiksniai, o "Swedbank" banko specialistai ir... [toliau žr. visą tekstą]The research work was made by Daiva Vaiciulioniene, the student of Department of Sociology and Politology of Social studies in Vilnius Pedagogical University. The topic of the work is “Reliability of Banks: attitudes of youth and bank employees (case of „SWEDBANK“). The aim of the work is to reveal the attitude of young “Swedbank” clients (aged 18 – 26) and employees towards reliability of bank and make the basic criteria of reliability. The tasks of the work: 1. To give the conception of bank social responsibility. 2. To discuss the criteria of evaluation in bank reliability. 3. To reveal what bank services are used by youth and how often. 4. To survey the criteria of evaluation in bank reliability among the clients (aged 18 – 26) and employees as well as department managers. 5. The results obtained after the analysis of clients should be compared with those of older clients (aged 27 years and more) of “Swedbank”. 6. To reveal how “reliable bank” is understood between bank employees and department managers. 7. To compare the attitudes of young clients (aged 18 – 26) towards bank reliability in Lithuania with those of “Swedbank” employees and managers. To give offers how to pursue for more definite and mutual understanding. The hypotheses of the research: 1. Younger clients (aged 18 – 26) trust “Swedbank” more than older clients (aged 41 years and more) of the bank. 2. Younger clients (aged 18 – 26) claim that most important factor is bank orientation to the client while... [to full text]
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Leung, Wai-kwan Lucia. "Hong Kong's banking crisis in 1991." [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13278800.
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Mourouzidou, Damtsa Stella. "Three studies on the effects of national culture on bank risk-taking, deposits and profitability." Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/three-studies-on-the-effects-of-national-culture-on-bank-risktaking-deposits-and-profitability(3f54085b-4bd6-420d-a27d-1e47e2086079).html.
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These three studies on the effect of national culture on banking aim at advancing knowledge and understanding of bank risk-taking, deposits and profitability by adding culture to their determining factors. Banking is a highly regulated industry, and one would expect informal institutions such as national culture not to influence management decisions. However, it seems that bank managers but also bank customers are susceptible to cultural biases making their influence on risk taking, deposit and profitability levels statistically and economically significant. In the first study, I find that national culture is an important bank-risk determinant. Specifically, I find a positive (negative) association between the cultural values of individualism and hierarchy (trust) and domestic bank risk-taking. This relation weakened during the recent financial crisis and does not hold for global banks, regardless of the period under investigation. In the second study, I report a positive association between trust and deposits which holds for domestic as well as global banks, supporting the popular view that banking is based on trust. Motivated by two relatively new regulations (Net Stability Funding Ratio and Liquidity Coverage Ratio), enforced to safeguard stable liquidity, I use interaction effects to find that high deposit volatility mitigates the positive impact of trust on deposit levels. In the third study, I identify national culture as an important determinant of bank profitability. Looking separately into global and domestic banks, the former are less prone to cultural influences compared to the latter. Furthermore, domestic banks with foreign ownership/management are less susceptible to cultural biases compared to domestic banks with local ownership/management. Finally, banks operating in conservative, hierarchical societies are expected to face more challenges with fintech disturbance, compared to banks operating in egalitarian societies. My results are statistically and economically significant and robust to endogeneity tests mitigating reverse causality and confounding effect concerns.
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Díaz, Zamora Lorenzo. "Missnöjeshantering i svenska banker - En fallstudie av Skandinaviska Enskilda Banken (SEB)." Thesis, Mälardalens högskola, Akademin för hållbar samhälls- och teknikutveckling, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-14753.
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Pospíšilová, Kateřina. "Hodnotící komparace ústavněprávních pojetí vybraných centrálních bank světa z aspektu perspektiv ČNB." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-206650.
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The master´s thesis is about the conceptions of the Czech National Bank, the Federal Reserve System, the European Central Bank and People's Bank of China. It focuses on the comparison of these conceptions with the created universal model of the central bank and its parameters, and finds out that the selected central banks are lot away from this model. Important is also a perspective of the Czech National Bank after joining the euro area and the fact that at this moment her role will be replaced by the European Central Bank. The European Central Bank, compared with the Federal Reserve and the People's Bank deviates the least from its inflation target and therefore is pretty close to reach a price stability. However, ECB clearly financed some government debts, and that is inconsistent with the law. In conclusion can be noted that the central banks of the Czech Republic, the United States and the euro area reach the high level of freedom and are independent of the other components of state power and vice versa People's Bank of China remains strongly dependent on the executive power.
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Doležal, Jiří. "Světová banka - vznik, organizace a kritika." Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-4923.
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This thesis is focused on The World Bank, it's beginning, organisation and analysis of critique. This thesis begins with reasons for foundation, historical aspects and problems. This involved the world stage before Second World War and the beginning of the IBRD. The thesis continues with a frame look at the organization, projects, finance and the World Bank position. The study shows the righteousnees of critique, analyse it and interpret it. The remainder of the thesis is concerned about the decision power in the bank and it's consequences.
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Krč, Jakub. "Charakteristika centrální banky na příkladu Evropského systému centrálních bank." Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-4106.
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Práce podává nástin historického vývoje směřujícího k vybudování EMU a charakterizuje postavení moderní centrální banky na příkladu Evropské centrální banky. Zaměřuje se na problematiku nezávislosti centrální banky a otázkám bankovní regulace a dohledu na půdě Společenství. Závěr práce je odpovědí na otázku, zda je ESCB vymezen optimálně. Autor dospívá ke spíše negativnímu stanovisku.
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Toscano, Vanessa Miguel. "Determinants of bank capital ratios in European Union banks." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19516.
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Mestrado em FinançasNeste trabalho, analisamos os determinantes do rácio Common Equity Tier 1 (CET1) dos bancos da União Europeia após a Crise das Dívidas Soberanas. Utilizámos informação da base de dados do Bankscope. Exportámos informação de 137 bancos dos 27 paises da UE no período de 2011 a 2018. Baseámos o nosso estudo numa análise de regressão, sendo que analisámos vários modelos de forma a analisar od determinantes e qual o seu impacto no rácio CET1. Para atestar a robustez dos resultados, replicámos a análise aplicando um processo winsor à variável dependente e à variável que representa o Return on Equity. Verificámos que o tamanho, a exposição ao risco, a alavancagem e a liquidez são fatores que afetam o rácio CET1 e consequentemente a solvabilidade do banco. Adicionalmente, observámos que o programa de compra de ativos por parte do Banco Central Europeu (BCE) aparenta aumentar a capacidade dos bancos para absorver as suas potencias perdas, pelo o que se justifica este tipo de ações por parte do regulador.
We analysed European Union banks' Common Equity Tier 1 (CET1) ratio determinants after Sovereign Debt Crisis. We resorted to information from the Bankscope database. We exported information of 137 banks from the 27 countries belonging to the EU, from 2011 to 2018. We performed a regression analysis, running several models to identify the significant variables and their impact on the CET1 ratio. To attest the results' robustness, we replicate the analysis winsorizing the dependent variable and the variable that represents Return on Equity. We verified that size, risk exposure, leverage and liquidity are factors that affect CET1 ratio and banks solvency. Additionally, we observed that the European Central Banks' (ECB) asset purchase program seems to increase banks' capacity to absorb potential losses, which justifies this kind of measures by the regulator.
info:eu-repo/semantics/publishedVersion
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Kadlčková, Šárka. "Externí audit v bankovním sektoru a jeho vztahy s orgány dohledu." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-192598.
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This master thesis deals with the area of external audit of banks and its relations with regulatory and supervisory authorities. Its goal is to identify and describe the specifics, which differs bank's financial statements audit from audit of other non-banking institutions, and discuss cooperation between external auditors and supervisory authorities. The first section defines the general framework of the external audit with an emphasis on legal aspects. In the second part are described the phases of the common audit procedures. The third section defines the characteristics of banking institutions and describes the specifics of audit methodology and procedures applied during the audit of the bank. The final part discusses the role, responsibility and cooperation of banks, external auditors and regulatory and supervisory authorities.
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Stovrag, Arijan. "Capital requirements and bank profitability : A comparison between the large Swedish banks and niche banks." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Nationalekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-35028.
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Purpose: The purpose of this study is to describe and explain the relation of changes in capital requirements on the profitability of Swedish banks. Method: A mixed model approach is used. The quantitative approach is con-ducted through the collection and analysis of statistics from Swe-dish banks and financial institutions. The qualitative research ap-proach is used to obtain further insights into the Swedish banking system and how banks are managing capital requirements. This is conducted through interviews with respondents from a large bank, a niche bank, and the Riksbank. Analysis: The analysis is made on yearly data from 1999 to 2015. Return on equity and net interest margin are individually used as dependent variables. The independent variables are various capital ratios which are defined by the Basel framework. The results from the quantitative analysis are in line with the findings from the qualita-tive interviews. Conclusion: On one hand, capital requirement ratios seem to have a negative and statistically significant correlation with the Return on Equity for both large banks and niche banks. On the other hand, capital re-quirement ratios seem to have a positive and statistically significant correlation with the Net Interest Margin for niche banks.
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Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.
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Tam, Pui-sun. "The Bank of China Group in Hong Kong : its changing role and future direction /." Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B15967463.
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Gorevska, Tanja, and Lavan Azad. "Hur väljer du bank? : En studie om kundens val av bank och kundlojalitet gentemot banken." Thesis, Södertörns högskola, Institutionen för samhällsvetenskaper, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-19703.
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Problem formulation: What factors influence the customer’s choice of bank? How is the customer loyalty towards the customer’s current bank? Purpose: The main purpose is to see what factors are definitive to the customer’s choice of bank and how strong the customer loyalty is towards the bank. It is also interesting to see whether customers who are satisfied with their current bank may still consider switching to something else. Method: The method is both qualitative and quantitative methods of data collection, with main focus on a quantitative survey. The qualitative part consists of interviews with a smaller focus group to receive a deeper insight of the consumer’s thoughts regarding the main purpose and problem formulations. Conclusion: The main factor when choosing a bank is recommendations from family or friends. Other factors that also influences the customer’s choice of bank is mortgage, interest rates and great customer service. Many consumers consider themselves to be more loyal than they really are, and demonstrate satisfaction rather than customer loyalty.
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Giwe, Mbunwe Belter. "Factors affecting the usage of banking products and services by low income and under-banked consumers." Thesis, Nelson Mandela Metropolitan University, 2015.
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A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.
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Sasraku, Francis M. "Regulatory Structures and Bank –Level Risk Management in Ghanaian Banks." Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15021.
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This research examines the impact of certain bank-specific variables on bank stability in Ghana, in the context of the existing regulatory structures. The thesis examines this issue along two main themes. The first part of this study examines whether two of the commonly used measures of banking stability, the CAMELS and the Z-Score, provide similar or different results in assessing the stability of banks in Ghana. The results of this study show that the use of the CAMELS and the Z-score measures could lead to different outcomes in terms of bank stability in Ghana. This suggests that the traditional micro-prudential CAMELS framework should be complemented with the Z-score which inherently has both micro and macro-prudential characteristics of signaling weaknesses in bank stability, and to enhance the management of bank stability. The second part of the study examines the impact of some bank-specific variables on bank stability. Using the panel data approach, the results show that while bank size, regulatory governance, regulatory independence and origin impact significantly on the stability score, there was no significant impact in terms of interbank borrowing and non-performing loans. Further analysis using the Blinder –Oaxaca decomposition also suggests that foreign banks in Ghana exhibit relatively higher levels of stability compared to local banks. The policy implications of these findings suggest that the liberalisation of the banking sector should be accompanied by an effective micro- and macro-prudential supervisory regime in order to manage the stability of the constituent banks and the banking sector as a whole.
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Campmas, Alexandra. "Institutional environment and bank behaviour : the case of European banks." Thesis, Bordeaux, 2020. http://www.theses.fr/2020BORD0193.
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Nous étudions deux politiques jouant un rôle clé dans l'évolution et la métamorphose du cadre institutionnel et qui sont donc à même d'influencer le comportement des banques, à savoir la politique monétaire et la politique macroprudentielle.Dans le premier chapitre, nous mettons en évidence l'existence du canal de la prise de risque bancaire de la politique monétaire (non)conventionnelle en Europe. Nous démontrons que ce dernier est non linéaire, c'est-à-dire que les effets des taux d'intérêt de la politique monétaire (du total des actifs au bilan des banques centrales) sur le risque bancaire sont plus forts en-dessous (au-dessus) d'un certain seuil.Le deuxième chapitre explore le lien entre l'environnement des taux d'intérêt bas et la rentabilité des banques. Nos résultats suggèrent que le principal outil de la politique monétaire a un effet négatif sur les marges d'intérêt nettes, mais que son effet sur la rentabilité globale n'est pas clair. Néanmoins, lorsque les taux d'intérêt directeurs sont particulièrement bas, il semble que les banques européennes parviennent à accroître leur rentabilité malgré une compression de leurs revenus d'intérêts nets.Le troisième chapitre examine le rôle des outils macroprudentiels dans un environnement institutionnel turbulent. L'apparition de la COVID-19 est de nature à aggraver la capacité des ménages et des entreprises à rembourser leurs dettes. Le chapitre fait le lien entre l'utilisation flexible des instruments macroprudentiels et leurs effets encore inconnus en cas de choc sur les primes de risque des prêts hypothécaires et des prêts aux entreprises. Nos modèles empiriques et théorique corroborent le fait qu'un scénario d'assouplissement des outils macroprudentiels permet d'atténuer les effets négatifs découlant d'un tel choc. En particulier, le modèle DSGE montre une préférence pour l'assouplissement du ratio prêt-sur-valeur au détriment du ratio d'adéquation des fonds propresWe study two policies that are key to shaping the institutional environment and that can therefore influence banks' behaviour, namely monetary and macroprudential policies.In the first Chapter, we evidence the existence of the bank risk-taking channel of (un)conventional monetary policy in Europe. We show that the latter is nonlinear, i.e., the effects of monetary policy interest rates (the total assets on the balance sheet of central banks) on banking risk are stronger below (above) a certain threshold.The second Chapter mainly explores the nexus between the low interest rate environment and bank profitability. Our findings suggest that monetary policy’s main instrument adversely affects net interest margins, but its effect on overall profitability is unclear. Nevertheless, when policy interest rates are particularly low, it seems that European banks succeed in increasing their profitability despite a compression of their net interest income.In the third Chapter, we examine the role of macroprudential tools in a turbulent institutional environment. The outbreak of the COVID-19 is likely to worsen households' and businesses' capacity to pay off their debt. The Chapter bridges the gap between the flexible use of macroprudential tools and their yet unknown effects in the event of a shock to risk premia of mortgages and corporate loans. Both our empirical and theoretical models corroborate that an ease scenario of macroprudential policy allows mitigating the adverse effects stemming from such a shock. In particular, the DSGE model shows preference for relaxing the Loan-to-Value ratio over the Capital Requirement Ratio
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Gross, Stephanie. "Banks and shareholder value : an overview of bank valuation and empirical evidence on shareholder value for banks /." Wiesbaden : Dt. Univ.-Verl, 2006. http://www.gbv.de/dms/zbw/511250479.pdf.
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Pýchová, Jitka. "Vztah nezávislosti a odpovědnosti centrálních bank na příkladu kvantitativního uvolňování ECB a FEDu v letech 2005-2016." Master's thesis, Vysoká škola ekonomická v Praze, 2017. http://www.nusl.cz/ntk/nusl-358886.
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The thesis deals with relation between central bank independence and accountability. The relation is examined on example of quantitative easing implemented in the period 2005 - 2016 by the European central bank and the Federal Reserve System. From the theoretical and practical point of view the thesis proves that the relation between central bank independence and accountability are influenced by the specification of targets of monetary policy to a great extent. The thesis also proves that the specific definition of both central bank independence and accountability influenced the characteristics of quantitative resp. credit easing. Moreover, such monetary policy can potentially endanger the independence of both central banks in many ways. Thus, the implementation of quantitative easing itself and its potential consequences evidences that the contemporary conception of central bank independence and accountability is insufficient and needs to be reviewed.
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Smetana, Michal. "Analýza a komparace systému centrálního bankovnictví na území České republiky od roku 1948 do současnosti." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-201560.
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The aim of this thesis is the analysis and subsequent comparison of two different systems of central banking in the centrally planned and liberal market economy in the Czech Republic from 1948 until now. The basic parameters of the analysis are monetary policy, independence of central banking and the regulation and supervising of banking sector. The theoretical part deals with economic theory and the theory of central banking, especially monetary policy, exchange rate policy, theory of regulation, theory of independence, theory of supervising and how different economical schools are looking on this issue. Analytical part is divided into analysis and comparison of the two periods on the basis of specific parameters - legislative and legal anchorage, institutional support, monetary policy, supervisory function and independence. From the final comparison, based on the valuation of the pros and cons, is obvious that a system of liberal economy banking is more successful and more sustainable for the future, because it is based on a high degree of central bank independence, which is trying to fulfill its primary goals regardless of the ruling political power.
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Jiang, Chunxia. "Analysis of bank efficiency of Chinese commercial banks and the effects of institutional changes on bank efficiency." Thesis, Middlesex University, 2008. http://eprints.mdx.ac.uk/8108/.
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This study contributes to the well-established efficiency literature with respect to transition economies and developing counties. Although bank efficiency has been a popular research area in both developed countries and less developed nations, it has been scarce in China mainly due to the lack of data. This study is considered as the first study that comprehensively investigates bank performance using multiple methodologies of financial ratio analysis and stochastic frontier analysis for the period of 1995-2005. The effects of a variety of governance changes have also been differentiated in order to providing policy recommendations for the on-going banking reform. Meanwhile, this study has addressed a number of methodological issues and has developed a more comprehensive stochastic distance function model by combining advantages of existing models, approaches, methods and procedures. Having experienced fundamental banking reforms for more than a quarter of century, the Chinese banking System has stridden towards a modem banking System with significant improvements in profitability, capitalization, and assets quality. Despite of these observed improvements, the banking system is still associated with relatively low profitability and capitalization, poor asset quality, and less liquidity, when benchmarking to 7 selected international renowned banks. One of the most impressive progresses has been the significant decrease in both outstanding NPLs balance and NPL ratio. However, it has noticed that the threat of NPLs problem to the economy as a whole remains unsolved. This study has rationalized economic foundations for the banking reform in China being the principal-agent theory and the budgetary constraint theory. The performance of Chinese banks has been improved and the estimated effîciency level is consistently at 75% in terms of technical efficiency, cost efficiency and profit efficiency. Employing the method of Berger et al. (2005), this study has jointly analyzed the static, selection and dynamic effects of governance changes. Joint-stock ownership has resulted in outstanding performance, while state ownership has been associated with low technical efficiency and profit efficiency but high cost efficiency. Foreign banks are more profit efficient but less cost and technical efficient (static effects). Foreign investors have rationally made their investment decisions by selecting more cost and technical efficient domestic banks, while less profitable domestic banks have been chosen for going public in line with government intension of reforming the unprofitable SOCBs (selection effects). Attracting foreign strategic investors and encouraging banks going public are two major partial privatization strategies, which have been generally proved as effective reform measures. The former tends to have positive impacts on technical efficiency and cost efficiency, while significant short-term gains in profit efficiency have faded in the long-term. The expected profit advantage of foreign ownership seems to take an even longer time to be realized. Going public strategy has resulted in performance improvement in the long-term after short-term losses (dynamic effects). We can not form a conclusion on whether the reform has succeeded, while what we can conclude is the reform is on the track with right direction. It is important to construct good corporate governance, but it is more important to ensure the good governance functioning. If those deep-rooted problems, such as government intervention and NPL problem, can not be dealt with properly in the near future, the chance of success is very small. Thus, our policy recommendations include consolidating up-to-date reform achievements, improving bank's managerial and operational skills, and reducing state's share in banks to lessen government interventions. Estimated efficiency is found to be sensitive to the differences in the definitions of outputs and inputs, especially in the presence of high level of NPLs. The income-based model is superior to the earning assets-based model in the estimation of technical efficiency. Similarly, profit efficiency appears to be more appropriate performance measures over cost efficiency. However, we suggest the use of multiple models and measures to reveal more valuable information. Moreover, in estimating cost function and alternative profit function, market average input prices are found to be more appropriate than banks' specific input prices.
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Tam, Siu-kee. "Bank failures /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19873670.
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Kohlert, Daniel. "Anlageberatung und Qualität - ein Widerspruch? : zur Utopie qualitativ hochwertiger Anlageberatung im Retail-Banking /." Baden-Baden : Nomos, 2009. http://d-nb.info/99124219X/04.
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Anwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
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Indonesia is one of the emerging economies, which has been adopting a bank-based system in the economy. It is very important to investigate the Indonesian commercial banks’ performance given their substantial contribution to the development of the country. This thesis aims to measure and analyse the performance of Indonesian banks in terms of their efficiency and lending propensity over the period 2002-2010. The period testifies the recovery phase after the turmoil caused by the Asian Financial Crisis of 1997-98 as well as the revocation of the regulation of minimum threshold on commercial banks’ small business loans (finance) in 2001. This thesis employs frontier methods in estimating bank efficiency where both parametric and non-parametric linear programming approaches are used, namely Data Envelopment Analysis (DEA) and Stochastic Frontier Analysis (SFA). The former is used to estimate the technical efficiencies and the latter is used to estimate the cost efficiencies of Indonesian banks over the period 2002-2010. This thesis also examines the lending propensity of Indonesian banks reflected by the tendency of their total loans and small business loans over the study period. The findings suggest that the technical efficiency of Indonesian banks tends to decrease whilst the opposite tendency is associated with their cost efficiency during the period. The downward trend of their technical efficiency stems from the fact that the period was the post-crisis of 1997-98 where banks were still unsteady to maintain high level of outputs over inputs. While the upward trend of their cost efficiency reflects their intensity to operate more economically in employing their resources during the period. The latter result testifies that Indonesian bank management took lessons learnt from the failure of their previous operations during the crisis. In addition, their total lending propensity is prone to increase over time during the period albeit they have not reached yet the optimum proportions. In contrast, their lending propensity to small businesses witnessed a diminishing pattern over the period. A regulatory change in 2001 seems to discourage Indonesian banks to lend to small businesses. Loans to deposits or lending proportions emerges to be the most important factor enhancing bank efficiency, whilst bank size and bank deposits are the foremost factors influencing the lending propensity of Indonesian banks over the study period.
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Girardone, Claudia. "Analysing the determinants of bank efficiency : the case of Italian banks." Thesis, Bangor University, 2000. https://research.bangor.ac.uk/portal/en/theses/analysing-the-determinants-of-bank-efficiency--the-case-of-italian-banks(ef7f8529-ca0d-4a63-83f5-fe8231c89716).html.
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This thesis investigates the main determinants of Italian banks' cost efficiency over the period 1993-96, by employing a Fourier-flexible stochastic cost frontier in order to measure X-efficiencies and economies of scale. Quality and riskiness of bank outputs are explicitly accounted for in the cost function and their impact on cost efficiency levels are evaluated. The results show that mean X-inefficiencies range between 13 and 15 per cent of total costs and they tend to decrease over time for all bank sizes. Economies of scale appear present and significant, being especially high for popular and credit co-operative banks. Moreover, the inclusion of risk and output quality factors in the cost function seems to reduce the level and significance of the scale economy estimates. The sample is also subjected to a profitability test that allows for the identification of banks that are both cost and profit efficient. The results suggest that the most efficient and profitable institutions are more able to control all aspects of costs, especially labour costs. Finally, the data were pooled to carry out a logistic regression model in order to examine bank- and market-specific factors that influence Italian banks' inefficiency. According to these results, inefficiencies appear to be inversely correlated with capital strength and positively related to the level of non-performing loans in the balance sheet. The analysis also shows that there is no clear relationship between assets size and bank efficiency. Finally, from the results it is possible to infer that quoted banks seem to be on average more efficient than their non-quoted counterparts.
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Jakobsson, André. "Strategies in Swedish banks: Swish to handle bank transfers and payments." Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-33009.
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Stevenson, Anthony R. "Bank lending behaviour : a comparative study of British and German banks." Thesis, Loughborough University, 2014. https://dspace.lboro.ac.uk/2134/14587.
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Even though it is generally recognised that new firms encounter difficulty in obtaining loans from banks, little research is devoted to the factors which influence bank lending between 2004 and 2007. More precisely, this study attempts to fill a gap in the research of bank lending practices and behaviour of bank loan officers. This research study contributes to the body of literature in the field of lending between banks and SMEs. More specifically, the study compares the lending practices between British and German retail banks. A qualitative approach was employed as a research design because the study related to lending practice and risk within the context of a social setting. It is worth mentioning that whilst the empirical findings in this study predated the credit crunch, the areas discussed was about how banks managed risk and the ambiguous nature of external pressures affecting their lending practices both in the UK and Germany. There is no doubt that after the biggest banking crisis in history, academic researchers and regulatory institutions will inevitably ask questions about how banks behaved during this period. The upshot of recent academic research is compelling and suggests that the regulatory institutions and politicians knew little about the activities of banks particularly in the UK. The findings in this research also reveal that whilst German banks steer towards the Anglo Saxon banking model (shareholder approach); they struggle to shake off their embedded culture and values, oriented towards the goodness of communities (stakeholder approach). The findings also show that British retail banks continue to lend by distance and SMEs continue to believe that banks in Britain orientate their strategies towards large multinational firms.
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Cutcher, Leanne. "Banking on the customer customer relations, employment relations, and worker identity in the Australian retail banking industry /." Connect to full text, 2004. http://hdl.handle.net/2123/632.
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Thesis (Ph. D.)--University of Sydney, 2004.Title from title screen (viewed 8 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Discipline of Work and Organisational Studies, School of Business, Faculty of Economics and Business. Includes bibliographical references. Also available in print form.
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Neal, William R. (William Russell). "Characteristics of Texas Border and Non-Border Banks and a Comparison of their Lending Practices." Thesis, University of North Texas, 1994. https://digital.library.unt.edu/ark:/67531/metadc278075/.
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This thesis presents a comparison of the loan to deposit ratios of Texas banks along the Mexican border and banks located throughout the rest of the state. Mean characteristics of the two groups (i.e. border and non-border groups) are presented. A multivariate regression model is used to examine the extent to which various operating ratios of the banks and differing economic conditions of the communities in which the banks are located help explain the loan to deposit ratios of the banks involved in this study. The model incorporates data from 1984-1989. No evidence was found to refute the hypothesis that Texas border banks have a lower loan to deposit ratio than their non-border counterparts. The evidence points to a need for developmental capital, supplied by some form of development bank.
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Kohlíčková, Jana. "Stabilita bank za krize." Master's thesis, Vysoká škola ekonomická v Praze, 2013. http://www.nusl.cz/ntk/nusl-197667.
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Thesis: "The stability of banks in the crisis" presents an analysis of the impact of the financial crisis on the banking sector and individual banks and a demonstration of the behavior of banks in crisis situation. The thesis is divided into four chapters. The first chapter deals with the definition of instability and explain the functioning of the financial crisis. The second chapter discusses the issue of deposit insurance and the possibility of compensation payments during the bank's collapse. The third chapter shows the influence and role of central banks as the creator of the banking environment and as the main supervisory authority. The fourth chapter focuses on the stability of banks from different perspectives, that the bank's activity was not significantly affected during and after the financial crisis.
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Wan, Qun. "A legal perspective on the disposition of non-performing loans and bank restructuring : a study of China's state-owned commercial banks /." View the Table of Contents & Abstract, 2006. http://sunzi.lib.hku.hk/hkuto/record/B35082690.
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