Relevant bibliographies by topics / Banking business value

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
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Academic literature on the topic 'Banking business value'

Author: Grafiati
Published: 28 May 2022

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Journal articles on the topic "Banking business value"

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Faroughian, Frank F., Stavros P. Kalafatis, Lesley Ledden, Phillip Samouel, and Markos H. Tsogas. "Value and risk in business-to-business e-banking." Industrial Marketing Management 41, no. 1 (January 2012): 68–81. http://dx.doi.org/10.1016/j.indmarman.2011.11.012.

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Frolova, V. B., and T. F. Khan'. "Studying the value drivers of banking business." Finance and Credit 24, no. 5 (May 29, 2018): 1109–28. http://dx.doi.org/10.24891/fc.24.5.1109.

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Kobrak, Christopher. "Family Finance: Value Creation and the Democratization of Cross-Border Governance." Enterprise & Society 10, no. 1 (March 2009): 38–89. http://dx.doi.org/10.1017/s1467222700007849.

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As Mira Wilkins has argued, there is a curious disconnect between business and financial history (Wilkins 2004). Whereas business history literature has rediscovered the importance of family business in many countries and in many sectors of contemporary commercial life, for example, little has been written about family banking as an alternative to joint-stock, management-run financial institutions. This lacuna is odd for many reasons. First, family banking is one of the best-known examples of family business in history. Second, family banks once played a much greater role in international investment banking than it does today. Third, some family financial institutions are still active (dominant) in certain market segments and countries. This paper will focus on how, when and why family banking lost its position in international (multinational) banking during the first few decades of the twentieth century. Although political upheaval and a widespread movement to reduce the power of private financial institutions undermined their businesses, family banks suffered, too, from America's maturing as a financial center. I will argue that this shift is connected with the increased importance of American markets and financial regulations, which, in the 1930s, deliberately steered financial transactions away from private dealings and toward transparent impersonal exchanges and capital markets with new forms of aggregated capital and individual investors, in which private banks were ill-suited to manage or at the least for which they had no special competitive edge. Using concepts drawn from an earlier paper on family businesses and relying mostly on secondary sources, this paper will further argue that in markets or market segments, such as Leveraged Buyouts, where uncertainty forms a greater part of the transactional environment, family banking still plays a significant role.
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Lai, Jung-Yu, Khire Rushikesh Ulhas, Ching-Tsung Lin, and Chorng-Shyong Ong. "Factors Driving Value Creation in Online B2B Banking." Journal of Global Information Management 21, no. 2 (April 2013): 51–71. http://dx.doi.org/10.4018/jgim.2013040103.

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In today’s highly competitive business environment, online business-to-business (B2B) banking services offer efficient, reliable, securable, and convenient financial services for customers. However, research has paid scant attention to quantifying the value of online B2B banking and identifying the factors that drive it from the employees’ perspective. Hence, this study explores value creation in online B2B banking in terms of user satisfaction, individual impacts, and organizational impacts by incorporating technological, organizational, and environmental forces. The results based on a survey of 178 respondents collected from Taiwanese Small and Medium Enterprises (SMEs) strongly support the contention of the study that technological, organizational, and environmental forces really drive value creation in online B2B banking in terms of user satisfaction, individual impacts, and organizational impacts. These findings and the proposed research model may be helpful to managers when implementing online B2B banking, and valuable for researchers who are developing related theories.
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Pandey, Ashish, Reeju Guha, Navjyoti Malkar, and Nisha Pandey. "Marching Towards Creating Shared Value: The Case of YES Bank." Asian Case Research Journal 23, no. 02 (December 2019): 289–312. http://dx.doi.org/10.1142/s0218927519500111.

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The case highlights YES Bank’s responsible banking approach through its journey of 12 years characterized by agile response to business opportunity and societal needs, innovative product design, organic and steady business growth and healthy shareholder returns. Responsible banking has evolved with an inclusive approach wherein it is aimed at sustainable development by creating social and natural capital along with creating stakeholder value. The three pillars of responsible banking in YES Bank are; Triple Bottom Line accounting and reporting, climate finance, and corporate social responsibility (CSR). The case raises the question about the ways of measuring the effectiveness of the responsible banking initiatives.
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Quantrill, Alexandra. "The Value of Enclosure and the Business of Banking." Grey Room 71 (June 2018): 116–37. http://dx.doi.org/10.1162/grey_a_00244.

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Watanabe, Yoshiaki. "Co-Creation Of Value In Business-To-Business Services." International Business & Economics Research Journal (IBER) 13, no. 6 (October 31, 2014): 1483. http://dx.doi.org/10.19030/iber.v13i6.8936.

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Although marketing researchers pay increasing attention to the co-creation of value, switching costs and customer share, not much is known about their interrelationships. This study extracts prior research by developing a conceptual framework linking all of these constructs in the business-to-business (BtoB) service setting, including the detailed examination of the process of co-creation of value. On the basis of the achievements in services marketing and relationship marketing, this study hypothesises that co-creation of value mediates switching costs and that indirect customer values and co-creation of value are positively related to customer share. The author tests the hypotheses on data obtained from corporate managers in charge of their banking relationship. The results of the study support most of the hypotheses and, in particular, confirm the mediating role of co-creation of value in a BtoB context.
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Karpenko, V. P. "Business Activity and Assessment of the National Banking System in Terms of the VBM Concept." Economics, taxes & law 11, no. 3 (November 6, 2018): 46–57. http://dx.doi.org/10.26794/1999-849x-2018-11-3-46-57.

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The reform of the Russian banking system is being stalled due to the imperfection of existing methods of assessing both the whole market value of business and its banking segment. This circumstance restrains the business activity of Western investors in the Russian financial market, provokes momentary speculative sentiments in it and strengthens crisis factors. The purpose of the research was to reveal the relevance and the possibility of applying the VBM concept, recognized and accepted in the majority of developed economies, to the banking business. The analysis of the works of foreign and domestic authors shows the need for further Russian theoretical developments. It is proved that the banking business market in Russia is undervalued. Based on the aggregate analytical data, the free cash flow to equity (FCFE) of the banking system is calculated. Based on the net profit of the banking system, its market value and the range of values in which it can be found are estimated. It is concluded that the growth of the Russian banking system measured in terms of capital and assets does not lead, as a minimum, to the growth of the market value, and, as a maximum, is accompanied by a decline in the market value. The prospects of the practical use of the VBM concept both for individual bank management and for the industry in the whole are substantiated.
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Kašparovská, Vlasta. "Economic value added model upon conditions of banking company." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 56, no. 3 (2008): 85–98. http://dx.doi.org/10.11118/actaun200856030085.

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The content of this article is the application of the economic value added model (EVA) upon the conditions of a banking company. Due to the character of banking business, which is in a different structure of financial sheet, it is not possible to use the standard model EVA for this banking company. The base of this article is the outlined of basic principles of the EVA mode in a non-banking company. Basic specified banking activity dissimilarities are analysed and a directed methodology adjustment of a model such as this, so that it is possible to use it for a banking company.
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Gharbi, Leila, and Halioui Khamoussi. "Fair value and banking contagion." Journal of Islamic Accounting and Business Research 7, no. 3 (June 13, 2016): 215–36. http://dx.doi.org/10.1108/jiabr-12-2014-0042.

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Purpose This paper aims to explore empirically the impact of fair value accounting on banking contagion in a comparative context between Islamic banks and conventional banks. Design/methodology/approach The analysis of the impact of fair value changes on banking contagion is carried out through a panel data model. This study covers 20 Islamic banks and 40 conventional banks operating in the Gulf Cooperation Council (GCC) countries during nine years from 2003 to 2011. Findings Empirical evidence shows that there is a significant change in dynamic volatility in GCC banking sector because of financial crisis 2008. However, results fail to confirm the hypothesis that fair value accounting is significantly associated with an increase of banking contagion for both Islamic and conventional banks operating in GCC countries. Originality/value The outcome of this study provides some insights for academicians, accountants as well as regulators in terms of enhancing the effectiveness of accounting practices.
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Dissertations / Theses on the topic "Banking business value"

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Wong, Yuk Lan. "Business excellence model for retail banking." Thesis, Sheffield Hallam University, 2000. http://shura.shu.ac.uk/3826/.

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Creating customer value and building stockholder value are the cornerstones for excellence in any business endeavour. In an under-developed economy, financial institutions may accomplish these objectives through a customer focus strategy and implementation of some quality management principles. However, with the increasing accessibility to new technologies and intensified competition, managers have been alerted and become more aware of the fact that achieving excellence is made even more difficult - financial institutions must now do much more to excel in the competitive retail banking environment of the new millennium. It is believed, and the findings of the present work support, that the formulation of a robust improvement model capable of guiding through the whole excellence pursuant process will provide a solid foundation for successfully meeting the challenge. The burning desire to enhance competitiveness and drive for achieving business excellence have nurtured the development of a new Business Excellence Model for successful implementation of TQM in retail banking. It was found that existing TQM and business excellence models provide only prescriptive and indicative roadmaps for companies to follow but fail to provide a complete coverage of TQM concepts, holistic measure of business excellence and validated links between TQM elements and business excellence. Hence, some financial institutions may cast doubts on their applicability of TQM because the relationships between TQM principles and the results of business excellence are not assessed. As such, it should be valuable to develop and provide a model, which is capable of covering the TQM essence in a structured way to drive total quality improvement efforts. The present research aims to develop a theory-driven as well as practical model for retail banks and the retail banking sector to achieve business excellence. In the process, Hong Kong retail banks and the Hong Kong retail banking sector were chosen as the context for the present research to obtain valuable data on how successful implementation of TQM essence could contribute to business excellence in a Chinese society. Both employees and customers inputs, being the important sources of stakeholder information, have been the basis for analysis. Top performing bank's executives were interviewed to identify the core activities and factors that determine their bank's success. Further, data were collected from executives of 47 retail banks in Hong Kong. Structural equation modelling was employed to develop the new Business Excellence Model (BEM). SEM's software programme was employed to analyse the goodness of fit of the new BEM. The forces of excellence indices and business excellence indices of the sampled retail banks were computed using the Partial Least Squares (PLS) technique. The same procedure was also applied to the data collected ll from retail customers in the survey to measure the level of customer satisfaction of the retail banking sector. The indices of the BEM were then matched to the customer satisfaction indices of retail banks and retail banking sector for higher level of analysis. Findings of the present work indicate that the new BEM fits the data of the 47 retail banks very well. The BEM is a valid and reliable model for enabling retail banks to review the current level of practice in relation to their critical success factors continuously. With the new BEM, they can now measure and drive improvement in their critical activities and finally achieving business excellence. Similar results obtained for customer focus dimension of the BEM and the customer satisfaction measurement have further substantiated the robustness and usefulness of the new BEM. Hence, the new Business Excellence Model should be a valuable means for retail banks and the retail banking sector to pursue business excellence and to gain a competitive edge in the new millennium.
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El, Naggar Rasha Abed El Aziz Ismail. "The value of e-banking services in the Egyptian environment : an integrated model." Thesis, University of Hull, 2010. http://hydra.hull.ac.uk/resources/hull:7111.

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Introduction: Driving the introduction of e-banking services in Egypt are structural changes, which have intensified competition across the banking sector. The value (net benefits) of e-banking services to their suppliers lies in their ability to attract new customers and retain those interested in using them. To achieve these objectives, requires an understanding of the value management process in e-banking services specifically within the Egyptian environment. Study Problem: Extant literature lacks an integrated model of value management relevant to the e-banking services. Empirical studies addressing the value of e-banking services in terms of antecedents and consequence in general and in the Egyptian environment are limited. Moreover, customer relationship management (CRM) literature disagrees on the factors reflecting the role of the internal operating environment and overlooks the role of the external environment in affecting the ability of service suppliers to create and deliver the value of e-banking services. Aim and objectives: This study sought to develop an integrated model for managing the value of e-banking services in the Egyptian environment through the following objectives. First, to identify the antecedents (requirements) and consequence of e-banking services perceived value from the demand side of e-banking services. Second, to explore factors shaping banks' ability to create and deliver value of offered e-banking services. Paradigm and research methods: This study adopted the critical realism paradigm, an anti-positivist paradigm, which supports the exploratory and the abductive nature of this research. To identify the antecedents and consequence of e-banking services perceived value from the demand side of e-banking services, an exploratory sequential strategy, in which in-depth interviews preceded the survey phase, was conducted. To explore factors shaping the banks' ability to create and deliver the value of e-banking services, semi-structured interviews were used. Key Findings: Findings related to the demand side indicated that improving e-banking services perceived value can significantly and positively strengthen the relationship between banks and customers. Antecedents of value were identified to be a combination of the explicit involvement of service suppliers in supporting face-to-face service encounters, e-banking services quality, and the role of external environment in promoting e-banking services. The ability of banks to create and deliver value of e-banking services is affected by their positioning strategy, bank branch design, employment scheme, criteria of recruiting front-office employees, and criteria of evaluating front-office employees' performance. The nature of the Egyptian economy, output of education system and legal system development were defined as highly influential within this process. Conclusion: It could be concluded that, managing the value of e-banking services is a dynamic process between service users and service suppliers.
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Олексіч, Д. В. "Методичні підходи до визначення вартості банківського бізнесу." Thesis, Українська академія банківської справи Національного банку України, 2007. http://essuir.sumdu.edu.ua/handle/123456789/53640.

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В тезах доповіді піднято питання щодо існуючих методичних підходів до визначення вартості банківського бізнесу
In theses reports raised questions about the existing methodological approaches to determining the value of banking business
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Лєонов, Сергій Вячеславович, Сергей Вячеславович Леонов, Serhii Viacheslavovych Lieonov, and Д. В. Олексіч. "Проблеми визначення вартості банківського бізнесу в Україні." Thesis, Харківський інститут бізнесу та менеджменту, 2007. http://essuir.sumdu.edu.ua/handle/123456789/60297.

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На сьогодні в умовах становлення та розвитку банківської системи все більшої актуальності набуває проблема визначення вартості банківського бізнесу, що обумовлено підвищенням конкуренції на ринку банківських послуг за останні роки.
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Maksimenko, Tatiana. "Lending relationships and liquidity insurance value of bank credit lines| Evidence from loan spreads." Thesis, City University of New York, 2014. http://pqdtopen.proquest.com/#viewpdf?dispub=3601933.

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Bank lending processes and lending relationships involve two aspects, the provision of liquidity via lines of credit and the production of information via monitoring. To access the existing credit line, a borrower must be in compliance with financial covenants. When violations occur, access becomes conditional upon the bank’s willingness to accommodate the customer. The bank values its reputation as an accommodating lender and views a decision regarding credit line access restrictions as a trade-off between reputational and financial capital. Since imposing restrictions on a more loyal borrower causes greater reputational damage, a bank’s “willingness” to accommodate increases in the strength of the relationship with its borrower. This is the first channel through which relationships have effect. To the extent that lending also involves monitoring, relationships allow a bank to build an exploitable information advantage. This is the second channel. Most credit lines are monitored, making it difficult to isolate the effects of these two channels. I identify commercial paper backup lines of credit as loans that provide liquidity, but do not involve information production and use them to construct two measures of relationship strength that capture the extent of bank’s willingness to provide liquidity (T-intensity ) and the bank’s information advantage (I-intensity ). To make sharper inferences concerning the effect of willingness, I control for a bank’s reliance on core deposits as a measure of “ability” to provide liquidity. I find that loan spreads decrease in T-intensity for firms without public equity. Thus, for such firms, credit lines have liquidity insurance value and it increases with relationship strength. I also find that loan spreads increase in I-intensity for all firms, suggesting that banks are successful at exploiting their information advantage (i.e. “holding up” borrowers). My findings imply that for relatively opaque borrowers, relationships have value even in the absence of private information production.

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Peltoniemi, J. (Janne). "The value of relationship banking:empirical evidence on small business financing in Finnish credit markets." Doctoral thesis, University of Oulu, 2004. http://urn.fi/urn:isbn:9514275713.

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Abstract The role of relationship banking has been the subject of intensive discussion in recent years. A large body of the literature has examined the benefits and costs related to lender-borrower relationships in small business finance. Despite the numerous studies conducted in both market-based and bank-based economies, the specific sources of the determinants of the value of relationship lending are ambiguous. However, many research results imply that a close and long-term relationship with the bank is desirable for small businesses. In this study, we investigate the sources of value in Finnish lender-borrower relationships in small business finance. We conduct three separate empirical studies that cover the following aspects of relationship banking: determinants of the value of the bank-firm relationship, collateral requirements and borrower risk, and the comparison of the different characteristics of relationship banking in bank financing and non-bank financing. We use unique and detailed credit file data from two sources, bank data from one of the largest banks in Finland and non-bank data from a large financial institution owned by the Finnish state. Both datasets cover the period 1995 to 2001. Our main findings are the following. First, duration and scope are important characteristics in determining the sources of value in the bank-firm relationship. We find that a longer relationship tends to lower the cost of the credit, and that wider scope tends to decrease the collateral requirements significantly. Second, a long-lasting bank-firm relationship is beneficial, especially to high-risk firms. As the relationship matures, loan premiums for high-risk firms decrease at a higher rate than for low-risk firms. Third, low-risk borrowers put up more collateral than high-risk borrowers, which implies the existence of a signaling effect. According to the signaling theory, low-risk firms are willing to pledge more collateral than high-risk firms. Fourth, when comparing bank and non-bank credit files, we find that bank-firm characteristics are not fully transferable to the relationship between a non-bank and a firm.
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Faroughian, Frank Farhang. "The impact of value in developing loyalty in e-services : the case of UK e-banking." Thesis, Kingston University, 2009. http://eprints.kingston.ac.uk/20877/.

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There considerable debate amonst academics and practitioners that the delivery of value to customers represents a focal element through which competitive advantage can be generated. Extent research confirms the impact of value on the development of satisfaction and ultimately customer loyalty in both the business-to-consumer and business-to-business domains. However there paucity of research that focuses on the role and behaviour of value in the broad domain of technology and the specific area of e-services within the b2b domain. This study attempts to address the above identified shortcoming. In order to address the above aim a theoretically grounded model is propsed in which customer perceptions of value of e-banking is treated as a higher order construct of the related get (or benefits) and give (or sacrifices) components. Quality and risk associated witht he use of e-banking are determinants of customer perceptions of value while satisfaction and three forms of behavioural intention (i.e., word of mouth, switching and lock-in) are modelled as outcomes of value. Interrelationships between the antecedents and outcomes of value are also included in the model. Data, obtained from senior executives, from a random sample fo 167 UK based SME organisations operating across different industrial sectors were analysed using the Partial Least Square structural modelling technique. The results make the following a number of theoretical contributions to the subject matter. The conceptualisation of value as formative higher order construct, comprising the get and give components, is analytically supported. However, the differential behaviour of these two components implies that research should examine the nomological structures if get and give separately rather than as a composite, overall, construct. Following from above, it is suggested that related research should treat sacrifices as a component of rather than a determinant of value. Although some results are in line with extant literature there are a number of divergences that are attributed to the specificities of the research domain. This is attributed to and confirms the idisyncratic nature of value and results in the need for value research to account fot domain specific characteristics. Both components of value are significant determinants of satisfaction; however there is considerable different in their relative impact with the get component being dominant. The need for separation of loyalty into different forms of behaviour when examining the impact of value is demonstrated. Specifically, value as an effective mechanism for locking-in customers is demonstrated by the significant impact of both the get and give components. On the other hand neither of the value components are significant determinants of intention to switch and only the get component generates positive word-of-mouth. Finally, the importance of risk in the study of value in the b2b domain is confirmed. On the strength of the above managerial guidelines are proposed.
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Олексіч, Д. В. "Методичні засади оцінки вартості банківського бізнесу." Thesis, Українська академія банківської справи Національного банку України, 2008. http://essuir.sumdu.edu.ua/handle/123456789/51386.

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На основі систематизації особливостей банківського бізнесу як об’єкта оцінки виокремлено найбільш релевантні фактори, які формують його вартість. Проведено аналіз діяльності банків України на фондовому ринку, який довів неможливість оцінки вартості банківського бізнесу лише на основі ринкової капіталізації їх акцій. З метою оцінки вартості банківського бізнесу розроблено комплексний прирісний метод, який дозволив поєднати окремі елементи доходного та витратного підходів. Визначено концептуальні основи формування системи визначення вартості банківського бізнесу, досліджено взаємозв’язки між її цільовими та функціональними підсистемами. Поглиблено розуміння сутності економічних категорій “банківський бізнес”, “вартість банківського бізнесу” та “оцінка вартості банківського бізнесу”. Запропоновано скоригувати традиційний механізм розрахунку чистого грошового потоку банківського бізнесу. Удосконалено механізм врахування фактора часу при оцінці вартості банківського бізнесу шляхом розробки підходу до визначення часових меж функціонування бізнесу – вибору розрахункового періоду. Вартість власного капіталу банку запропоновано визначати на основі аналізу природи формування трьох складових доходу банку – процентної, комісійної, торговельної. Розроблено пропозиції щодо удосконалення нормативно-правового забезпечення процесу оцінки вартості банківського бізнесу в Україні.
Most relevant factors that form banking business value are marked out based on systematization of banking business peculiarities as an object for evaluation. Ukrainian bank activity on the stock market analyse is carried out, proves impossibility of banking business evaluation based only on market capitalisation of shares. Complex gaining method is developed with purpose to evaluate banking business, which allows consolidating different elements of profitable and wasteful approaches. Defined conceptual basis of banking business evaluation system, investigated interrelation between goal and functional subsystems. Meaning of essence of economic categories “banking business”, “banking business value” and “banking business evaluation” is advanced. Traditional mechanism of net cash flow calculation is proposed to correct. The mechanism of time factor influence on conditions of banking business evaluation is improved by working out approach to define time limits of business functioning – choosing the calculation period. Banking equity cost is proposed to calculate, basing on three kinds of banking income (interest, commission, trade) and way of forming income on every one of them. Proposes of standard-legal maintenance of process of banking business evaluation in Ukraine improvement are developed.
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Baqué, Nils, Alban Ferati, and Rahul Singh. "Customer Satisfaction in the Cooperative Banking industry: a quantitative approach." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-447564.

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[Introduction] Cooperative banks in France have a major impact on the finance industry and the French economy. The French financial ecosystem differs in comparison with other European countries because of a higher number of cooperative banking groups, which have a dominant market share in the financial industry. With a highly competitive retail banking market frequently described as a commoditized space, customer satisfaction remains the largest competitive advantage for banks. [Research Purpose] Overall, the ambition with this research was to gain a deeper understanding of customer satisfaction in the retail banking market segment. The fundament of this thesis is a theoretical framework that analyzed customer satisfaction for retail clients of cooperative banks. By this, we identified which characteristic of the relationship between customers and their cooperative bank have the highest impact on customer satisfaction. Thus, our research question implied a search to explain an underlying causal relationship between six different variables within Perceived Quality and Perceived Value with customer satisfaction. Perceived Value (PV) included Trust, Employee Competences, and Price Transparency. Perceived Quality (PQ) included Accessibility, Reliability, and Reactivity. [Methodology] By adopting a quantitative approach, we could test, support and rank which variables impact customer satisfaction for cooperative banking clients. The analyzed dataset comprises a total of 21 914 respondents which are customers from 142 cooperative banking branches in France. [Results & Conclusion] From the analysis of the empirical results, we answered our research question by detailing the relationships between perceived quality; perceived value, and customer satisfaction. Finally, our findings indicated that Perceived Quality contributes to customer satisfaction in cooperative banking to a larger extend than Perceived Value. Moreover, the study ranked the importance of each variables impacting customer satisfaction as follow: (1) Accessibility, (2) Employee Competences, (3) Trust, (4) Reliability, (5) Price Transparency, (6) Reactivity.
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Chu, Teresa. "Economic value added : Hong Kong study." Thesis, University of Macau, 2000. http://umaclib3.umac.mo/record=b1636221.

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Books on the topic "Banking business value"

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Landon, Peter L. VAT and the city: Banking, finance & insurance. 2nd ed. Bicester, Oxfordshire: CCH Editions, 1990.

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author, Marthinsen John E., and Gantenbein Pascal 1970 author, eds. Swiss finance: Capital markets, banking, and the Swiss value chain. Hoboken, New Jersey: Wiley, 2012.

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Landon, Peter L. VAT and the City: Banking finance and insurance. Bicester: CCH Editions, 1988.

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Hickey, Julian J. B. VAT and the city: Banking, finance and insurance. Kingston upon Thames: CCH, 2012.

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Value at risk and bank capital management: [risk adjusted performances, capital management and capital allocation decision making]. Amsterdam: Elsevier Academic Press, 2007.

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Ferri, Giovanni. The value of relationship banking during financial crises: Evidence from the Republic of Korea. Washington, D.C: World Bank, Development Research Group, Finance, 2001.

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Canadian Federation of Independent Business. Submission to Standing Committee on Finance and Economic Affairs on no value for money: Bank service charges and small business. Toronto: The Federation, 1988.

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Dermine, Jean. Bank valuation & value-based management: Deposit and loan pricing, performance evaluation, and risk management. New York: McGraw-Hill, 2009.

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Dermine, Jean. Asset and liability management: The banker's guide to value creation and risk control. 2nd ed. New York: Financial Times Prentice Hall, 2007.

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Good value: Reflections on money, morality, and an uncertain world. New York: Atlantic Monthly Press, 2010.

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Book chapters on the topic "Banking business value"

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Hofstra, Nel, and Luit Kloosterman. "Banking on Values: Triodos Bank." In Progressive Business Models, 29–50. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-58804-9_2.

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Ferretti, Riccardo, Andrea Landi, and Valeria Venturelli. "Book and Market Values of European Banks: Country, Size, and Business Mix Effects." In Palgrave Macmillan Studies in Banking and Financial Institutions, 329–60. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-90294-4_15.

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Almazari, Ahmad Aref. "Valuation of Banking Sector." In Advances in Business Information Systems and Analytics, 175–200. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-1086-5.ch010.

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This chapter examines in particular the valuation of banks which can be classified into five parts. It introduces several valuation approaches to find out whether there is a superior method. This chapter starts with a description of bank regulations and their impact on bank valuations and continues with an overview of valuation approaches. The second part applies the banking sector decision Models. The third section shows banking sector valuation models. The fourth part presents the input factors that are needed to value a company. In the last part, financial statements have been used to analyze the main ratios of the Bank of America, and the calculated values were then compared over time (2014-2018) to assess the explanatory power of the bank.
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Khan, Md Atiqur Rahman. "Capital and Liquidity Regulations, Resilience, and Bank Value." In Advances in Business Information Systems and Analytics, 201–11. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-1086-5.ch011.

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In the business arena, particularly in the field of corporate finance, the scope of valuation is highly significant. There are several value drivers for a firm. However, due to its nature of business, a bank's valuation is affected by several unique drivers including earnings diversification, risk capabilities, assets mix, and a lot of intangible factors. Since banking is a highly regulated sector, this chapter is designed to address the missing links between Basel capital and liquidity regulations, banking system resilience, and bank valuation.
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Chouhan, Vineet, and Pranav Saraswat. "Business Value Analysis at Yes Bank." In Advances in Business Information Systems and Analytics, 221–50. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-7716-5.ch011.

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This case is related with the biggest 2020 scam by one of the major new private sector banks (i.e., YES bank). The case is related with the misuse of the power of banks in providing the benefits to one person, due to the power and influence granted by the political party leaders that influence providing unlimited loans to one person and further the acts of the bank officials that led to the partial breakdown of the banking system in India. Further, the case deals with the major accused and the shell company's creator as DHFL. The present analysis put lights on the future lessons to be learnt by various sectors in order to prevent heavy losses and loss of customer faith (being the most vital component). It starts by giving a background of the crisis that led the RBI to come into picture. It also shows the effectiveness of the actions of RBI for YES bank. At last, it points out the importance of independent management and the roles of auditors and other regulators in dealing with this crisis.
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Zgheib, Philippe W., and Lama I. Massalkhy. "Entrepreneurial Innovation in Islamic Banking." In Entrepreneurship and Business Innovation in the Middle East, 286–313. IGI Global, 2017. http://dx.doi.org/10.4018/978-1-5225-2066-5.ch015.

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Instruments of Islamic finance have recently reemerged as an innovative tool for entrepreneurial transactions. Purpose of this chapter is to: a) define Islamic banking Product; b) compare with nearest western banking equivalent; c) highlight advantages and disadvantages of product; d) state future progression of banking towards convergence or divergence between Islamic and Western banking; and e) finally evaluate the role of client focus and customer driven performance in the future trends of entrepreneurial Islamic funding. This chapter highlights the concept of Islamic Banking. Business is slowly adopting Islamic banking as a rival market to western fractional reserve banking from the perspective of delivering customer value. This synopsis covers 19 instruments of Islamic banking by comparing the advantages and disadvantages of each one to that of conventional banking. Interestingly, the comparative methods result in several findings including the fact that banks must be completely devoted to providing customers with excellent service standards, and must also cater for customers‘ needs and demands. In addition, if Islamic services are desired, then the ones who cater for those needs will survive. Whereas western banks have a higher chance to penetrate the Islamic banking sector, Islamic banks can't provide any conventional banking services due to Sharia'a rules that prohibit fixed or floating payment or acceptance of specific interest or fees for any service.This chapter also concludes with a contrast between Islamic and western banking from a customer perspective.
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Carr, Brad. "From Open Banking to Open Data and Beyond: Competition and the Future of Banking." In Open Banking, 303–16. Oxford University Press, 2022. http://dx.doi.org/10.1093/oso/9780197582879.003.0015.

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Brad Carr, Managing Director of Digital Finance at the Institute of International Finance, concludes the book with a futurist exploration of open banking in “From Open Banking to Open Data and Beyond: Competition and the Future of Banking.” He argues that the development of open banking to “open data” will have a transformative impact on business models of not only banks but all incumbent firms. Consumers, as they become better informed about the value and usage of their personal data, are beginning to seek agency, whether through ownership or control, over their data, transforming the open data economy. He explores the opportunities and challenges of data proliferation and what “open data” sharing could look like. He argues that data asymmetry can hurt competition and how open data flows will impact entire business sectors and perhaps favor BigTechs. Carr explores how data asymmetries can harm competition and the potential efficiencies and inefficiencies of reciprocal data-sharing in which tech companies share their data with banks. Perhaps, banks, which are becoming tech companies in their own right, could become BigTechs, and BigTechs will either become or partner with banks. Finally, the author explores how platformization of financial services will change the entire landscape of finance.
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Wolberg-Stok, Andres. "Open Banking Ecosystem and Infrastructure: Banking on Openness." In Open Banking, 13–30. Oxford University Press, 2022. http://dx.doi.org/10.1093/oso/9780197582879.003.0002.

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This chapter describes how the traditional banking and payments ecosystem transformed with the entry of financial data aggregators and fintech service apps. In this first chapter, “Open Banking Ecosystem and Infrastructure: Banking on Openness,” Andres Wolberg-Stok, Global Head of Strategy, Office of the CTO, at Citi, provides a historical overview beginning in the 1980s. Wolberg-Stok explores the flow of customer-permissioned data between financial institutions, data aggregators, and fintechs and how today’s data revolution is impacting the traditional business of banking, including some of the costs and benefits for consumers, monetary policy, and financial stability. He chronicles how consumers’ awareness of the importance and value of their data is growing and how financial services became one of the very first domains in which consumers are starting to gain a measure of agency over their data.
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Medlin, B. Dawn, and Adriana Romaniello. "Business Process Onshore Outsourcing within the Community Banking System." In Information Resources Management, 1321–33. IGI Global, 2010. http://dx.doi.org/10.4018/978-1-61520-965-1.ch421.

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Business processes refer to the activities that are performed within an organization that are used in order to produce value for the organization and its customers. Through the use of onshore outsourcing, banks as do other industries expect several benefits such as cost savings and reduction in overhead. Using knowledge management concepts, banks can better understand their firm’s performance as well as their own needs. This knowledge may also lead to the increase of employees’ skill sets. This study surveyed members of the North Carolina Bankers Association in order to determine what if any of their business processes they selected to outsource.
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Lee, Cheon-Pyo, and Merrill Warkentin. "Mobile Banking Systems and Technologies." In Mobile Computing, 1246–55. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch103.

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The last decade has witnessed the rapid growth of mobile communication devices and wireless technologies across the globe. The convergence of mobile devices and wireless technologies has not only changed the way many activities are conducted, but has also provided a foundation for a new type of technology-aided commerce called mobile commerce (m-commerce). As e-commerce’s next evolutionary stage, m-commerce opens up new business opportunities in business-to-consumer (B2C) markets in addition to extending current operations in e-commerce and traditional brick-and-mortar businesses (Varshney & Vetter, 2002). The significant power of m-commerce is primarily a result of the anytime- anywhere connectivity of wireless devices, which provides unique experiences and services (Figge, 2004; Zwass, 2003). One of the most promising and value-added m-commerce services is mobile banking (Lee, McGoldrick, Keeling, & Doherty, 2003; Mallat, Rossi, & Tuunainen, 2004). Mobile banking is the newest electronic delivery channel to be offered by banks in which technology has become an increasingly vital element, and it provides convenience and enhanced value to both banks and customers. With its clear benefits, mobile banking is now gaining rapid popularity in European and Asian countries with the significant market penetration of mobile handsets and the optimally designed marketing tactics of service providers (Suoranta & Mattila, 2004). However, mobile banking is still marginally adopted across the globe, and especially in the U.S., the growth appears much slower than anticipated (Mallat et al., 2004). In the United States, there are only a small number of banks that have actually introduced mobile banking services, and most other mobile banking efforts are in small-scale trials (Charny, 2001). Therefore, the technology which will be employed in the United States market has been of interest not only to financial institutions, but also to mobile technology developers and future users.
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Conference papers on the topic "Banking business value"

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Nocoń, Aleksandra, and Irena Pyka. "EFFECTIVENESS OF RISK CAPITAL (OWN FUNDS) IN THE POLISH BANKING SECTOR IN THE YEARS OF 2002–2016." In Business and Management 2018. VGTU Technika, 2018. http://dx.doi.org/10.3846/bm.2018.02.

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The analysis of effectiveness of risk capital in the Polish banking sector have become the main aim of the study. In the article, statistical and econometric methods were used, based on a linear regres-sion model of net profit in relation to the value of own funds of the banking sector in Poland in the years of 2002–2016. Next, through the quartile method, there were estimated the relations between effectiveness and a level of risk capital of the largest banks in Poland. Conducted research were aimed to verify the research hypothesis stating that in the Polish banking sector there is a positive cor-relation between net profit and banks’ own funds, which constitute an essential component of bank risk capital.
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Pyka, Anna, and Aleksandra Nocoń. "Polish versus European banking sector − characteristics, consolidation, ownership changes." In Contemporary Issues in Business, Management and Economics Engineering. Vilnius Gediminas Technical University, 2019. http://dx.doi.org/10.3846/cibmee.2019.032.

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Purpose – the main aim of the study is an assessment of the banking sector in Poland, including the size of the sector, banking institutions forming the sector and consolidation processes taking place in the sector against the background of banking sectors in other countries. The paper also indicates ownership changes as a consequence of consolidation processes in the banking sectors after the global financial crisis of 2008−2012. Research methodology – the following research methods were used: cause and effect analysis, comparative analysis, case studies, observation method, secondary data analysis, and synthesis method. Findings – the research allowed to find out that the banking sector in Poland is growing at a rate significantly exceeding the growth rate in other European countries. However, rapid development does not mean a radical increase in the importance of this sector in Europe. Concentration ratios of the Polish banking sector show continuous but slight increases, although their level is still quite low compared to other European Union countries. Moreover, in Poland, a decreasing number of banks, observed in recent years, reduces a share of foreign investors in the structure of the sector. This means a high activity of domestic investors in taking over bank capital. Research limitations – the main research limitation is that the study mainly focuses on changes as well as comparative analysis of the concentration ratio (CR5). While further research should be expanded by more measures to compare ownership structure and the profitability of Polish and the European Unionʼs banking sectors. Practical implications – the results might be useful for central banks and supervisory authorities when it comes to their role in changes in the ownership structure of banking sectors. Originality/Value – the main value of the article is the in-depth analysis of the ownership structure of the Polish banking sector in the background of the European ones
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Hasnawati, Sri, and Atika Dianti. "Intellectual Capital and Firm Value: Evidence on Indonesia Banking Subsector." In Proceedings of the 4th International Conference of Economics, Business, and Entrepreneurship, ICEBE 2021, 7 October 2021, Lampung, Indonesia. EAI, 2022. http://dx.doi.org/10.4108/eai.7-10-2021.2316785.

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"Customer Relationship Management Processes in Retail Banking - Best Practice and Business Value Evaluation." In 2009 42nd Hawaii International Conference on System Sciences. IEEE, 2009. http://dx.doi.org/10.1109/hicss.2009.139.

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Lončar, Iris, and Tonći Svilokos. "The influence of assets structure on financial performance in Croatian banking system." In Contemporary Issues in Business, Management and Economics Engineering. Vilnius Gediminas Technical University, 2019. http://dx.doi.org/10.3846/cibmee.2019.024.

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Purpose – as the largest share of national money assets is concentrated in banks, their profitability is important not only for shareholder but also for the whole economy. The aim of this paper is to analyse the influence of the structure of total assets and its liquidity on overall success in the Croatian banking industry. Research methodology – in order to achieve the main purpose the cross-section regression models will be estimated which will include standard profitability indicators and various liquidity and assets indices. Findings – the results of the analysis show that the level and the structure of total assets, as well as the level of its liquidity, significantly influence its profitability. Research limitations – the analysis in this paper is limited to the influence of the asset side of the bank balance sheet in cross-section conditions. Therefore this research could be considered as a preliminary one and should be expanded by introducing the other indicators from liability in wider time horizons. Practical implications – the results outlined in this paper could be practical guidelines for successful asset management which is prerequisite for achieving an adequate financial performance in the banking business. Originality/Value – according to our knowledge, research of this phenomenon is very rare, so this is one of the first papers considering the impact of asset structure on bank performance for the Croatian banking system.
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Freimanis, Kristaps, and Maija Šenfelde. "Credit creation theory and financial intermediation theory: different insights on banks’ operations." In Contemporary Issues in Business, Management and Economics Engineering. Vilnius Gediminas Technical University, 2019. http://dx.doi.org/10.3846/cibmee.2019.033.

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Purpose – already for more than one hundred years there is an ongoing discussion about the role and function of banks, which subsequently has affected banking regulation. Three theories of banking were dominant in different periods of the 20th century: Credit creation theory (the oldest), Fractional reserve theory, Financial intermediation theory. Authors are contributing to the theoretical discussion with research showing that Credit creation theory and Financial intermediation theory reflect different insights on banks’ operations. Research methodology – literature review (regarding theories), financial ratio calculations (Loans-to-Deposits ratio); Findings – using Loans-to-Deposits ratio calculations for several banks researchers have found that banks’ lending process can be explained by Credit creation theory however banks’ Strategic Asset-Lability Management can be explained by Financial intermediation theory. Research limitations – (a) only domestic banks were selected as in this research it is important to get the needed relationship between deposits and lending. Subsidiaries of foreign banks could have not balanced balance sheet from Loansto-Deposits ratio perspective as their funding could come from abroad if the business model in Baltics is primarily lending oriented, (b) Baltic market was taken because of know-how of researchers about banks operations here and history of their transformation, (c) audited financial reports were used as they gave a sufficient picture of banks Loansto-Deposits ratio. Practical implications – theoretical discussion in this paper enlightens the role and function of the banks thereby improving understanding of better banking regulation. Authors propose to adjust the current banking regulatory framework which is focused on capital requirements. Originality/Value – current research provides some link between existing banking theories (Credit creation theory and Financial intermediation theory) shaping a new hybrid concept and proposing an adjusted regulatory framework based on this hybrid concept
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Nasim, Arim, and Siska Yulia Solihati. "Comparison Analysis of Sharia Banking Financial Performance Using Income Statement Approach and Value Added Statement Approach." In Proceedings of the 1st International Conference on Economics, Business, Entrepreneurship, and Finance (ICEBEF 2018). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/icebef-18.2019.20.

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VERSAL, Nataliia, Vasyl ERASTOV, and Mariia BALYTSKA. "IS DIGITAL 'NEW NORMAL' OR 'CHALLENGE' FOR BANKS UNDER COVID-19?" In International Scientific Conference „Contemporary Issues in Business, Management and Economics Engineering". Vilnius Gediminas Technical University, 2021. http://dx.doi.org/10.3846/cibmee.2021.608.

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Purpose – to reveal prerequisites of technology-enabled banking development in Lithuania, Poland, and Ukraine; to identify if digitalization was a beneficial factor in households deposits-raising during the COVID-19. Research methodology is twofold: analysis of digitalization index based on World Bank data as a premise of tech-nology-enabled banks development; beta-coefficient analysis and descriptive statistics – for digitalization influence assessment. Findings – digitalization index analysis showed that Lithuania has a more generous benefit in terms of digitalization. Poland and Ukraine follow with a slight gap. Traditional banks of analyzed countries are acting towards digitalization but at different paces. There are both digital and neobanks in Lithuania and Poland, while in Ukraine only digital banks. Analysis of Ukrainian banks deposits highlighted the fact that digital banks were in some cases more preferable for households, especially during a pandemic. Research limitations – lack of data: common digitalization indexes could not be calculated for Ukraine; differences in countries’ banking data: content and structuring criteria. Practical implications – the results could be important for policy recommendations to tackle the blind spots of banking digitalization. Originality/Value – suggested digitalization index could be utilized as a universal. Due to DESI limitations, common for EU countries, we were to create our own index and compare results with calculated by European Commission DESI values. While DESI is calculated using some specific survey data, the proposed index is using standardized data of World Bank; the results of digital and traditional banks deposits comparison could be useful for further study.
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Lukman, Hendro, and Helvenni Tanuwijaya. "The Effect of Financial Performance and Intellectual Capital on Firm Value with CSR as a Mediating Variable in Banking Industry." In Ninth International Conference on Entrepreneurship and Business Management (ICEBM 2020). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/aebmr.k.210507.054.

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FREIMANIS, Kristaps, and Maija ŠENFELDE. "METHODOLOGY FOR THE ASSESSMENT OF REGULATION COSTS IN THE BANKING MARKET." In International Scientific Conference „Contemporary Issues in Business, Management and Economics Engineering". Vilnius Gediminas Technical University, 2021. http://dx.doi.org/10.3846/cibmee.2021.600.

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Purpose – In the field of the economics’ regulation researchers so far have built the conceptual framework showing how the deadweight loss of market failures decrease and costs of the government intervention increase with the increased level of the government intervention. In order to quantify relationships between the level of intervention, intervention costs and the deadweight loss with econometric models it is important to understand how to quantify the regulation costs as a part of intervention costs. The objective of the research presented in this paper is to find the appropriate methodology for the quantification of the regulation costs in the banking market. Research methodology – literature review (regarding theories), mathematical methods for quantification and econometric methods for validation purposes. Findings – research shows that in the assessment of regulation costs three main stakeholders should be included – microprudential regulator, macroprudential regulator and financial regulation’s policy maker. Research presents their cost assessment methodology. Its validation shows that in general methodology works as expected, i.e., higher government intervention levels lead to higher regulation costs, however this general rule has exceptions, which in authors’ view indicates that other factors have an impact on the cost levels. Research limitations – research shows how to assess the costs of main stakeholders based on the publicly available information. More precise view could be obtained if in the cooperation with authorities more details on certain cost items are received. Practical implications – research results will be used to assess all government intervention costs (other positions include compliance costs and other indirect costs) and finalize the quantification of the framework. Quantified framework could be used for more precise policy making regarding the regulation of the banking market. Originality/Value – research shows how to quantify the regulation costs of the banking market as currently there are only conceptual ideas.
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Reports on the topic "Banking business value"

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León, Carlos. The dawn of a mobile payment scheme: The case of Movii. Banco de la República, March 2021. http://dx.doi.org/10.32468/be.1157.

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Mobile wallets replicate physical wallets on a mobile device, in which users can store different payment instruments (e.g., cards, transfers) to make mobile payments. As the mobile wallet is adopted, a mobile payment scheme emerges, with its users as elements in a network of transfers. In this article, I study the mobile payment scheme of Movii— the first fintech firm in Colombia operating under a financial non-banking license for electronic deposits and payments. Based on a unique dataset of bilateral transfers between Movii’s mobile wallet users, I build, visualize and analyze Movii’s network, daily from November 18, 2017, to November 25, 2020. Besides the anticipated increase in the number of users and the value of transfers, the visual and quantitative complexity of the network of transfers increases over time. This increase in complexity is likely to be linked to the adoption of Movii’s mobile wallet, which results in users finding new ways to use mobile payments beyond person-to-person transfers, including person-to-business and business-to-business. Also, results suggest the Covid-19 pandemic accelerated the evolution of Movii’s mobile payments scheme.
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Volkova, Nataliia P., Nina O. Rizun, and Maryna V. Nehrey. Data science: opportunities to transform education. [б. в.], September 2019. http://dx.doi.org/10.31812/123456789/3241.

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The article concerns the issue of data science tools implementation, including the text mining and natural language processing algorithms for increasing the value of high education for development modern and technologically flexible society. Data science is the field of study that involves tools, algorithms, and knowledge of math and statistics to discover knowledge from the raw data. Data science is developing fast and penetrating all spheres of life. More people understand the importance of the science of data and the need for implementation in everyday life. Data science is used in business for business analytics and production, in sales for offerings and, for sales forecasting, in marketing for customizing customers, and recommendations on purchasing, digital marketing, in banking and insurance for risk assessment, fraud detection, scoring, and in medicine for disease forecasting, process automation and patient health monitoring, in tourism in the field of price analysis, flight safety, opinion mining etc. However, data science applications in education have been relatively limited, and many opportunities for advancing the fields still unexplored.
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Putriastuti, Massita Ayu Cindy, Vivi Fitriyanti, and Muhammad Razin Abdullah. Leveraging the Potential of Crowdfunding for Financing Renewable Energy. Purnomo Yusgiantoro Center, June 2021. http://dx.doi.org/10.33116/br.002.

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• Renewable energy (RE) projects in Indonesia usually have IRR between 10% and 15% and PP around 6 to 30 years • Attractive return usually could be found in large scale RE projects, although there are numerous other factors involved including technology developments, capacity scale, power purchasing price agreements, project locations, as well as interest rates and applied incentives. • Crowdfunding (CF) has big potential to contribute to the financing of RE projects especially financing small scale RE projects. • P2P lending usually targeted short-term loans with high interest rates. Therefore, it cannot be employed as an alternative financing for RE projects in Indonesia. • Three types of CF that can be employed as an alternative for RE project funding in Indonesia. Namely, securities, reward, and donation-based CF. In addition, hybrid models such as securities-reward and reward-donation could also be explored according to the project profitability. • Several benefits offer by securities crowdfunding (SCF) compared to conventional banking and P2P lending, as follows: (1) issuer do not need to pledge assets as collateral; (2) do not require to pay instalment each month; (3) issuer share risks with investors with no obligation to cover the investor’s loss; (4) applicable for micro, small, medium, enterprises (MSMEs) with no complex requirements; and (5) there is possibility to attract investors with bring specific value. • Several challenges that need to be tackled such as the uncertainty of RE regulations; (1) issuer’s inability in managing the system and business; (2) the absence of third parties in bridging between CF platform and potential issuer from RE project owner; (3) the lack of financial literacy of the potential funders; and (4) lastly the inadequacy of study regarding potential funders in escalating the RE utilisation in Indonesia.
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