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Journal articles on the topic 'Banking operation'
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1
Smith, Chris, Peter Fargus, and Steve Smith. "Banking on co‐operation." Managing Service Quality: An International Journal 2, no. 5 (May 1992): 293–98. http://dx.doi.org/10.1108/09604529210029542.
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Gonchar, N. S. "Mathematical Model of Banking Operation." Cybernetics and Systems Analysis 51, no. 3 (May 2015): 378–99. http://dx.doi.org/10.1007/s10559-015-9730-0.
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Suhardi, Gunarto. "FAKTOR-FAKTOR YANG MEMPENGARUHI KEPERCAYAAN DAN LOYALITAS NASABAH PERBANKAN DI SURABAYA." KINERJA 10, no. 1 (January 26, 2017): 50–56. http://dx.doi.org/10.24002/kinerja.v10i1.918.
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Led by foreign banks operating in Indonesia, many banks have switched their mainbusiness activities from corporate banking business to individual customer banking activities. This is due to the deteriorating general economic condition in Indonesia at the present time. Individual customer’s base operation for banking communities proved to be suitable and giving good returns. However, as many banks operating in the same basis, competition among banks has mounted considerably. One must be able to achieve trust and loyalty from their valued customers. This article tries to understand how bank in Surabaya should get these basic elements of trust and loyalty.Keywords: corporate banking business, individual customer banking, trust, loyalty.
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Bulatova, Elvira Ildarovna, and Ekaterina Vladimirovna Ipatova. "Financial Features of Systemically Important Banks Operation in Modern Conditions." International Journal of Financial Research 12, no. 1 (December 25, 2020): 23. http://dx.doi.org/10.5430/ijfr.v12n1p23.
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The modern banking system is one of the key elements of any national economic system that influences the formation of economic processes. In this regard, it is important to identify the main elements of the banking system that have the greatest impact on the modern economy. The article reveals the financial and distinctive features of modern systemically important credit organizations of the Russian Federation. The authors of the article, based on the structural and dynamic analysis of the credit organizations indicators system, identified the main trends in the banking system development, highlighting the role of systemically important banks in this process. In the course of the analysis, based on the reporting data on the development of the Russian banking system for 2016-2019, the connection between the dynamics of the systemically important credit institutions development and the banking system as a whole was determined. The main conclusions presented in the article can be used in scientific and practical activities in order to strengthen and develop banking regulation and supervision of the largest Russian banks.
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Cieśla, Rafał. "International co-operation in combating cybercrime. Selected issues." Nowa Kodyfikacja Prawa Karnego 47 (August 3, 2018): 91–103. http://dx.doi.org/10.19195/2084-5065.47.7.
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The article discusses selected aspects of international co-operation in combating selected types of cybercrime. The complex character of criminal activity besetting contemporary banking causes numerous difficulties and poses many challenges, such as detecting and apprehending perpetrators. Online banking crime constitutes a specific category, comprising cashless transactions and electronic data processing. The specific environment of online banking, where crime is committed, determines the nature of traces left by perpetrators; it also necessitates creation of new forensic methods based on modern technology. The more sophisticated the crime, the more difficult it is to identify the perpetrators. Therefore, international co-operation in combating cybercrime is essential.
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Sabharwal, Munish. "Multi-Modal Biometric Authentication and Secure Transaction Operation Framework for E-Banking." International Journal of Business Data Communications and Networking 13, no. 1 (January 2017): 102–16. http://dx.doi.org/10.4018/ijbdcn.2017010109.
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The rationale of the research work is to suggest a multi-modal biometric authentication and secure transaction operation framework for E-Banking. The literature survey identifies the various types of E-Banking Channels available as on-date, the various types of biometric technologies available as on-date as well the significant metrics affecting their performance while deploying them in various different e-banking channels. The performance analysis of various types of biometric technologies based on significant metrics for Biometrics Implementation further identifies the currently implementable biometric technologies for the various different e-banking channels. Subsequently a requirement analysis of potential e-banking channels is followed by System Suitability Analysis to identify which multi-biometrics and support mechanisms are suitable for particular e-banking channels. The final conclusion suggests a viable multi-modal biometric authentication and secure transaction operation framework for various e-banking channels.
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Liu, Chu‐Mei. "An assessment of banking operation strategies of private banking institutions in the Philippines." Asia Pacific Journal of Marketing and Logistics 13, no. 1 (March 2001): 57–71. http://dx.doi.org/10.1108/13555850110764711.
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Mustafa, Mzee, Mzee, and Ahmad Azam Othman. "ISSUES & CHALLENGES OF APPLYING ISLAMIC BANKING IN ZANZIBAR: A WAY FORWARD." International Research Journal of Shariah, Muamalat and Islam 2, no. 4 (June 10, 2020): 22–34. http://dx.doi.org/10.35631/irjsmi.24003.
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The operation of Islamic banking in Zanzibar started in 2011 to boost economic activities and meet the demand of its people. However, the introduction of Islamic banking was not followed by any legal amendment to suit the operation of Islamic banking in the country as per Islamic principles. This paper, therefore, examines different laws which governed the Islamic banking in Zanzibar to find how far they support the operation of Islamic banking. The findings of this paper revealed that some of the laws in Zanzibar contain provisions that do not support Islamic banking transactions. The methodology adopted in this paper is based on the content analysis of legislations, leading textbooks, and journal articles. The study used a comparative method to address the study in question. The study recommends amendment of some laws such as the Contract Decree, 1917 and Transfer of Property Decree, 1917, Stamp Duty Act 2017, and Value Added Tax Act, 1998 for improving the legal regime governing Islamic banking transactions in Zanzibar.
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Zahid, Muhammad, Muhammad Jehangir, and Naveed Shahzad. "Towards Digital Economy." International Journal of E-Entrepreneurship and Innovation 3, no. 4 (October 2012): 34–46. http://dx.doi.org/10.4018/jeei.2012100103.
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Information and Communication Technologies (ICT) have changed business operation trends. Information systems are considered a valuable asset and have the attention of the strategic and marketing decision floors. Use of information system and ICT in the banking industry have become indispensable, and have replaced traditional operations with electronic banking concepts. Electronic banking has brought many challenges for strategic managers to achieve strategic goals and overall customers’ satisfaction. This research study aims to investigate the impact of electronic banking in the context of IT usage, ease of use, its usefulness and the customer satisfaction among the Pakistan banking industry. Pakistan’s top five commercial banks were selected in five districts of KPK for data collection. Three hundred and three electronic banking customers were interviewed through a questionnaire containing 21 relative questions. The SPSS is used for the analysis, on data collected through the questionnaire. Descriptive analysis, correlation, regression and ANOVA have been computed for the results interpretations. From these results, it was found that the customers strongly agree to use information technology for banking operations, but they believe that the use of electronic banking has problems. The management should focus on its method of use. The customers suggested that the electronic banking operations should be simplified, should be user friendly, should be easy to understand, and thus its usefulness will enhance in achieving highly satisfied customers.
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Aldeen, Khaled Nour, Syed Alamdar Ali Shah, and Sri Herianingrum. "PATRONAGE OF ISLAMIC AND CONVENTIONAL BANKS: THE CASE OF SYRIA." al-Uqud : Journal of Islamic Economics 3, no. 2 (July 10, 2019): 98. http://dx.doi.org/10.26740/al-uqud.v3n2.p98-113.
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The aim of this study is to understand perception of conventional banks’ customers towards Islamic banking by examining their level of awareness about Islamic banking. The qualitative approach was used in the form of semi-structured interviews under the phenomenological approach in Damascus city. The main findings of this research are customers lack awareness of Islamic banking operations. Furthermore, Islamic banks’ stuff play a crucial rule to enhance awareness and willingness towards their services. This study revealed that an informative advertising campaign is highly recommended to raise the awareness level among Syrians towards Islamic banking. Moreover, Islamic banks should be more selective especially when they recruit customer service operation staff. This research is a pioneering attempt towards Islamic banking issues in the case of Syria from a customer perspective. It contributes to the Syrian perceptions towards Islamic banking literature.
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Jur'evna Fedorova, Irina, Renold Bogdanovich Rubinov, Alexander Valentinovich Berdysev, Lyudmila Ivanovna Ryabchenko, and Sergey Sergeevich Matveevskii. "Use of Wavelet Analysis for Determining the Stability of the Banking System." International Journal of Engineering & Technology 7, no. 3.15 (August 13, 2018): 237. http://dx.doi.org/10.14419/ijet.v7i3.15.18680.
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The possibility and feasibility of using wavelet analysis to disclose the stability of the banking system operation were justified in the article. The main stages of wavelet analysis for disclosing the stability of the banking system operation were defined.
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Bank Indonesia, Tim Penelitian Pengaturan Perbankan. "INTERNET BANKING DI INDONESIA." Buletin Ekonomi Moneter dan Perbankan 5, no. 1 (October 11, 2003): 37–64. http://dx.doi.org/10.21098/bemp.v5i1.304.
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Perkembangan pelayanan jasa-jasa perbankan yang dilakukan melalui internet semakin marak seiring dengan pertumbuhan teknologi informasi yang semakin cepat. Faktor inovasi produk dan perkembangan teknologi sudah merupakan bagian yang tak terpisahkan dengan perkembangan industri perbankan untuk meningkatkan kualitas pelayanan sehingga menjadi lebih cepat, bagus dan efisienNamun demikian, masalah keamanan bertransaksi serta perlindungan nasabah menjadi perhatian tersendiri untuk pengembangan intenet banking ke depan, terutama karena tidak adanya kepastian hukum bagi nasabah dimana belum terdapat suatu bentuk pengaturan atas kegiatan internet di Indonesia. Masalah keamanan tidak hanya untuk kepentingan nasabah tetapi juga untuk kepentingan bank penyelenggara internet banking itu sendiri maupun industri perbankan secara keseluruhan.Bank Indonesia sebagai otoritas pengawas bank sangat berkepentingan untuk menjaga agar bank-bank pelaksana internet banking senantiasa menerapkan prinsip-prinsip kehati-hatian dalam perbankan (prudential banking operation), manajemen risiko dan perlindungan terhadap nasabah (customer protection) dalam penyelenggaran jasa perbankan melalui internet mengingat ketergantungan terhadap teknologi dan pihak ketiga sangat tinggiKajian mengenai internet banking ini nantinya akan menjadi bahan penyusunan pedoman serta dasar pemikiran dalam pembuatan ketentuan atau peraturan mengenai internet banking di Indonesia.Key Words : Website, Prudential Banking Operation, Risk Management, Customer Protection
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Becsei, András, Péter Csányi, Attila Bógyi, Ildikó Kajtor-Wieland, and Levente Kovács. "Ten Points of Sustainable Banking." Economy & finance 8, no. 3 (2021): 236–63. http://dx.doi.org/10.33908/ef.2021.3.1.
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Over the past decades, it has become more and more obvious that the banking system has contributed to the implementation of sustainability goals in a more committed manner in terms of both its institutional operation and in the course of the fulfilment of its tasks. In domestic context, there have been initiatives; however, it may be necessary to lay down principles pointing towards sustainable banking, which can strengthen the sustainability of the banking sector at systemic level, as well as the contribution of banks to the achievement of sustainability goals. On the one hand, the study introduces successful legislative initiatives related to the 22-point digitalisation proposal package of the Hungarian Banking Association, on the other hand, it points out that long-term sustainability and competitiveness of banking operation can be achieved by the optimisation of current processes as well as by effective and competitive data management through green financing activity. The definition of more exact steps along the aforementioned goals can lead to spectacular advancement in the fields of strengthening the sustainability and the sustainability effect of the Hungarian banking system.
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Bananuka, Juma, David Katamba, Irene Nalukenge, Frank Kabuye, and Kasimu Sendawula. "Adoption of Islamic banking in a non-Islamic country: evidence from Uganda." Journal of Islamic Accounting and Business Research 11, no. 5 (January 2, 2020): 989–1007. http://dx.doi.org/10.1108/jiabr-08-2017-0119.
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Purpose This paper aims to examine the concept and practice of Islamic banking in the context of a non-Islamic country such as Uganda. Design/methodology/approach Semi-structured interviews were used to elicit the strategies banks may use to ensure that the Islamic banking system is successful and to ascertain those factors that may hinder its success. Chief executive officers of business associations, heads of committees on Islamic banking and religious leaders were interviewed. Findings The strategies used by financial institutions in ensuring the adoption of Islamic banking are now known such as “creating awareness of Islamic banking’s mode of operation among existing and potential clients.” The findings also show that factors such as “lack of trust among clients” may hinder the success of Islamic banking. Research limitations/implications The research findings are useful for informing the deliberations of regulators, the business community and financial institutions. The results are applicable only to those countries in the preparation stages of adopting Islamic banking services for the first time, but they could be generalized to any new product launch in any country. Originality/value This paper may help Ugandan financial institutions to design strategies that will accelerate the adoption and, ultimately, the diffusion of Islamic banking in Uganda.
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ALIEV, B. Kh. "SYSTEM DEVELOPMENT OF REMOTE BANK SERVICE IN THE RUSSIAN FEDERATION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 5 (2020): 16–19. http://dx.doi.org/10.36871/ek.up.p.r.2020.05.01.002.
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The article considers the key problems associated with the development of remote banking services, analyzes its existing forms. The characteristics of telephone, mobile and terminal banking, the "Client – Bank" system and Internet banking are given. The main problems of operation of these systems in Russia are highlighted.
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Županović, Ivo. "Sustainable Risk Management in the Banking Sector." Journal of Central Banking Theory and Practice 3, no. 1 (January 1, 2014): 81–100. http://dx.doi.org/10.2478/jcbtp-2014-0006.
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Abstract The globalization of financial markets and negative consequences of the financial crisis resulted in negative connotations in the operation of many financial institutions, businesses and citizens and imposed the need to implement appropriate risk management measures in the banking sector. Evolution of the financial sector makes a lot of news in the field of risk management and particularly the modelling of market, credit and operational risk. The main methodology for risk management is the value-at-risk, which is used in practice with other techniques such as the capital- at-risk method in order to minimize business risks and achieve optimal results in the banking and, generally, financial operations. Accordingly, at all levels of governance in the banking sector, there are prudential policies in place governing the management of all types of financial and operational risks. Based on the abovementioned, the focus of the examination was on the above postulate, and prompt recognition, control and proper management of banking risks.
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Liu, Day-Yang, Ya-Chiang Wu, Cheng-Hsien Lin, and Wen-Min Lu. "The Effects of Nonperforming Loans on Dynamic Network Bank Performance." Discrete Dynamics in Nature and Society 2017 (2017): 1–11. http://dx.doi.org/10.1155/2017/9458315.
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This paper is to explore the relationship between banks’ performance and their nonperforming loans (NPLs). The banks’ performance through a network production process structure with NPLs is developed. With increasing NPLs in recent years, the quality of lending assets is a key significant and influencing factor for banks’ operational risk. The research methodology is to integrate the radial and nonradial measures of efficiency into the network production process framework with NPLs; this study utilizes network epsilon-based measure model to evaluate the banking industry performance. In addition, the key characteristics of the bank industry including those of financial holding companies and privatized government banks are needed to be figured out and to provide insight into what causes imperfectly competitive conditions for some banks. The results demonstrate that the banking sector grew consistently in three aspects of operation: operating performance, profitability performance, and risk management in the last five years of the subject period. These results showed that the overall banking sector was capable of pursuing growth in both operations and profits while accounting for risk management. The potential applications and strengths of network data envelopment analysis in assessing financial organizations are also highlighted.
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Teru, Susan Peter. "How Far Islamic Banking Has Gone Globally and Nigeria in Particular." GATR Global Journal of Business Social Sciences Review 2, no. 1 (January 3, 2014): 06–10. http://dx.doi.org/10.35609/gjbssr.2014.2.1(2).
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Objective- Non interest banking, also known as Islamic banking is a system of banking that does not permit interest to either be given or received by the bank for the maintenance of their customers or client account or any contract between them and their clients. In its operation, it has witnessed rapid expansion globally since first established 30 years ago. In Nigeria, it is a new concept and its establishment has been challenging. This study was carried out with the aim of appraising its operation globally and in Nigeria in particular using the conceptual and theoretical frame work. Methodology/Technique The challenges faced in its operation such as unfamiliarity and wrong perception by the populace, regulatory framework, implementation process, liquidity management, lack of professionals among others are highlighted. The differences between it and the conventional bank are also considered. Findings The study recommends that there is a need to develop research and development units comprising of scholars, marketers, professionals and skilled bankers. Novelty - The Nigeria government and the central bank should not relent in public awareness campaign for wider acceptability as this will benefit the poor member of the community as they will have easy access to interest free loan for small scale business. Type of Paper Empirical paper Keywords: Banking, Conventional Banking, Interest, Islamic Banking and Shari'ah.
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D’Amato, Marcello, Christian Di Pietro, and Marco M. Sorge. "Credit allocation in heterogeneous banking systems." German Economic Review 21, no. 1 (April 28, 2020): 1–33. http://dx.doi.org/10.1515/ger-1000-0018.
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AbstractWorld banking systems are almost invariably populated by relatively diverse financial institutions. This paper studies the operation of credit markets where heterogeneous banks compete for investment projects of varying quality in the presence of informational asymmetries. We emphasize on two dimensions of heterogeneity – access to project-specific information vis-à-vis funding costs – which naturally reflect lenders’ comparative disadvantages in the competitive landscape. Two main findings stand out. First, competition across heterogeneous banks can produce multiple equilibria. Thus, economies with similar fundamentals may well display a variety of interest rates and/or market shares for the operating institutions. Second, market failures (overlending) always prove mitigated in heterogeneous banking systems, relative to a world with equally uninformed lenders. This discipline effect however comes with a chance for market fragility, whereby modest changes in the business environment or other fundamentals can trigger large shifts in the price of credit, leading to either highly selective markets or rather ones which overfund ventures of the lowest quality. Extensions of the basic model and some policy implications are also discussed.
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Liang, S. K., K. S. Chen, and Y. H. Hung. "Measuring banking operation performance by applying a process capability index." Journal of Information and Optimization Sciences 24, no. 2 (May 2003): 317–28. http://dx.doi.org/10.1080/02522667.2003.10699569.
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Palmer-Aronsten, Beatrix, Donna Sheedy, Toni McCrossin, and Jillian Kril. "An International Survey of Brain Banking Operation and Characterization Practices." Biopreservation and Biobanking 14, no. 6 (December 2016): 464–69. http://dx.doi.org/10.1089/bio.2016.0003.
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Bailey, Inge, and Michael T. Skully. "ASEAN Financial Co-operation. Developments in Banking, Finance and Insurance." Pacific Affairs 59, no. 4 (1986): 720. http://dx.doi.org/10.2307/2758578.
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Olamide Omolara, Olusanya, Owadoye Abiodun Ayodeji, and Olusesi Ayobami Taiwo. "Evaluation of Customer Service Delivery in Banking Operation Using Python." American Journal of Electrical and Computer Engineering 5, no. 1 (2021): 9. http://dx.doi.org/10.11648/j.ajece.20210501.12.
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Ismal, Rifki. "Model of Islamic Monetary Operation for Liquidity Management in Islamic Banking: Case of Indonesia 2000-2009." Gadjah Mada International Journal of Business 11, no. 2 (January 12, 2009): 149. http://dx.doi.org/10.22146/gamaijb.5528.
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The paper attempts to construct the model of islamic monetary operation for liquidity management in islamic banking. Particularly, the model investigates variables that determine the role of the central bank in managing liquidity. Firstly, it explores the related conventional models and chooses one to find general variables involved in monetary operations for managing liquidity. Secondly, it formulates the islamic model after considering the islamic monetary operation principles, characteristics of both islamic monetary instruments and Indonesian islamic banking industry. Specifically, it models Bank Indonesia’s islamic monetary instrument called Bank Indonesia Sharia Certificate (SBIS). Thirdly, the model points out that the volume of SBIS is influenced by reserves requirement, currency in circulation, and prior auctions of SBIS. It means that the application of islamic OMO is not significantly different from monetary instrument in conventional OMO. Therefore, the paper suggests the issuance of islamic investment monetary instruments to implement the ideal islamic monetary instrument and OMO.
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Peters, K. M., and B. Klosterhalfen. "Neopterin in Bone Banking." Pteridines 9, no. 4 (November 1998): 192–95. http://dx.doi.org/10.1515/pteridines.1998.9.4.192.
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Summary Not only in blood transfusion, but also in transplantation of allogenous bone, infection of patients with bacteria and especially with virus is possible. Neopterin as an unspecific marker of an activated cellmediated immune response is elevated in fresh viral infection even before antibodies are detectable. Additional determination of neopterin in bone banking can further reduce the already little risk of a still antibody-negative HIV infection in a spongiosa donor. If a first HIV-antibody test is negative and serum neopterin lies within normal range, a second HIV-test six months after operation, which is otherwise obligatory in bone banking today, can be cancelled and the allograft can be given free for transplantation assuming negative results obtained by other screening criteria.
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Abdul Khir, Mohamed Fairooz. "Bilateral rebate (ibra’ mutabadal) in Islamic banking operation: a critical appraisal." International Journal of Islamic and Middle Eastern Finance and Management 9, no. 3 (August 15, 2016): 435–52. http://dx.doi.org/10.1108/imefm-07-2015-0085.
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Purpose This study aims to examine the scholars’ views on the legality of bilateral rebate in Islamic financial transactions. It also aims to evaluate the contemporary application of bilateral rebate in Islamic banking operation as an alternative to the conventional mechanism in handling the events of early settlement of debt, early termination of debt facility and early withdrawal of term deposit. Design/methodology/approach The study used deductive and inductive methods to analyze the juristic literature of all the major schools of law on the legality of both bilateral and unilateral rebate in a financial transaction. Findings The study found bilateral rebate (ibra’ mutabadal), instead of unilateral rebate, to be the best and fairest Islamic mechanism to overcome injustice in several events that may impact the bank’s liquidity such as that of early settlement of debt facility and early withdrawal of term deposit in the sense that the interest (maslahah) of both transacting parties is equally secured. Research limitations/implications This study has its limitation, as it only covers the applicability of bilateral rebate in Islamic banking operation. It does not include the applicability of bilateral rebate in other segments of Islamic finance such as Islamic capital markets and Islamic insurance (Takaful business). Practical implications This paper has practical implication for Islamic banking industry particularly with regard to its liquidity management in the event of early settlement of a debt facility, early termination of an Islamic facility and early withdrawal of Islamic term deposit. It may also assume policy implication in the event that the regulator adopts the legality of bilateral rebate in its Islamic banking policy and guidelines. Originality/value This paper offers an Islamic alternative to the conventional mechanism in handling the event of early settlement of a debt facility, early termination of an Islamic facility and early withdrawal of Islamic term deposit. Under conventional banking, there are certain fees and charges imposed on customers in the above events like early settlement charge and early withdrawal charge. Unlike its conventional counterpart, Islamic banks cannot opt for the conventional method that seems unjust to the customers as the charge is imposed without Sharīʿah basis. In this case, bilateral rebate serves as a fair mechanism to manage the bank’s liquidity in the aforementioned events.
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Kraus, Kateryna, Nataliia Kraus, and Oleksandr Marchenko. "Management of BAIS: Technological Trends and Digital Initiatives 4.0." VUZF Review 6, no. 2 (June 29, 2021): 88–99. http://dx.doi.org/10.38188/2534-9228.21.2.11.
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Successful operation of modern banking institutions significantly depends on the use of the latest information and communication technologies in process management, from motivation and communication with staff, to remote control of banking operations. Purpose of scientific research is a study of the principles and features of banking automated information system in terms of implementation of the latest information and cloud technologies by banking institutions. The object of scientific research is banking automated information system of banking institutions. The result of the article: research proved that the creation and selection of banking automated information system of banking institution is based on the planning of all systems related to the functioning of the complete infrastructure of the bank, built on information technology; the causes and consequences of various risk situations by channels of their occurrence (information Web-site, e-mail, network systems, system failures, electronic payment systems and data transmission systems, electronic channel) in the banking sector as a result of using a bank automated information system are substantiated; key areas of banking automated information system and the elements of the system of risk situations that arise in the banking sector as a result of the use of banking automated information system are described; main requirements for information support of banking institution and the main criteria for choosing banking automated information system of a banking institution are identified. Practical implications: priority ways of overcoming the risks of introduction of banking automated information system are offered, taking into account the scope and spread of risks. At the same time, the methods of providing cloud services used by banking institutions were evaluated. Value/originality: the introduction of a banking automated information system of a banking institution today is impossible without the use of cloud technologies (infrastructure as a service – IaaS, software as a service – SaaS, platform as a service – PaaS), each of which has a number of strengths and weaknesses.
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Ponomarenko, Tetiana, Olha Prokopenko, Halyna Kuzmenko, Tetiana Kaminska, and Marharyta Luchyk. "Banking security of Ukraine: current state and ways to improve." Banks and Bank Systems 13, no. 2 (June 22, 2018): 77–88. http://dx.doi.org/10.21511/bbs.13(2).2018.07.
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Ukrainian banking institutions conduct their activity under the influence of various risks, which create critical situations for them. In this context, banks should pay more attention to their own security. The article analyzes the theoretical approaches to the concept of “banking security”, examines the level of banking security as a component of the financial and economic security of the state, and determines the ways to improve it. Banking security was analyzed based on the data of the National Bank of Ukraine and other banks that are part of the banking system of the country.The current state of the banking system shows a decrease in the security since 2014 to the “danger zone”. This is facilitated by a great number of problem loans and foreign capital in the authorized capital of banks; the predominance of short-term lending over long-term one; continued unprofitableness and low liquidity of bank assets. Banking security was the guarantor of achieving financial security of the state. Therefore, the article outlines directions for improving the operation of banking institutions and the banking system as a whole, which will allow to improve banking security in the short term. This is, first of all, the legislative consolidation of the creditor rights protection, the expansion of the lending process, including in foreign currency, with the predomi-nance of long-term loans, the banks’ work in the direction of increasing their assets profitability, optimizing administrative costs, developing and using the latest informa¬tion technology to ensure the effective operation and information security of banks.
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TEMIN, PETER, and HANS-JOACHIM VOTH. "Banking as an emerging technology: Hoare's Bank, 1702–1742." Financial History Review 13, no. 2 (October 2006): 149–78. http://dx.doi.org/10.1017/s0968565006000229.
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We document the transition from goldsmith to banker in the case of Richard Hoare and his successors and examine the operation of the London loan market during the early eighteenth century. Analysis of the financial revolution in England has focused on changes in public debt management and the interest rates paid by the state. Much less is known about the evolution of the financial system providing credit to individual borrowers. We show how this progress took time because operating a deposit bank was new and different from being a goldsmith. Learning how to use the relatively new technology of deposit banking was crucial for the bank's success and survival.
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Raicevic, Milica, and Dijana Medenica Mitrovic. "Social responsibility of banks in the function of comparative advantage on the market." Economic Analysis 51, no. 1-2 (June 27, 2018): 92. http://dx.doi.org/10.28934/ea.18.51.12.pp92-102.
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The business operation of companies is not neutral and is not perceived any more in terms of profitable operations, but also in terms of whether it is beneficial for the society. Social responsibility contributes to improving relationships with key stakeholders, thus contributing to the long-term sustainability of the company. The paper points out to the positive link between corporate social responsibility (CSR) and the reputation of the bank. Without CSR, neither the improvement nor the expansion of banking operations is possible. The aim is to point out that profit and CSR are not opposed categories and that the CSR of banks represents a strong comparative advantage on the market. The paper gives a theoretical and practical overview of the concept of corporate social responsibility (CSR), with a focus on the banking sector.
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DZYUBLYUK, Oleksandr. "INNOVATIVE VECTORS OF BANKING SYSTEM DEVELOPMENT." WORLD OF FINANCE, no. 3(60) (2019): 8–25. http://dx.doi.org/10.35774/sf2019.03.008.
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Introduction. In a context of increasing competition in the banking sector, the systematic introduction of advanced products and technologies is a key to successful implementation of business models and the effective conquest and maintenance of relevant segments of the financial market. Therefore, the necessary condition for the effective operation of banks is the development and implementation of an appropriate innovation strategy aimed primarily at optimizing management of resource potential, better meeting existing customer needs, as well as the development and technical improvement of services for an adequate response to all new market demands in accordance with economic changes in the globalized environment. Purpose. The purpose of this article is to substantiate and systematize theoretical views on understanding the essence and main directions of development of the banking system on an innovative basis. The formation of an effective management system for innovation activities should become the most important condition for ensuring the efficiency of the work of commercial banks and achieving their competitive advantage both in the domestic market and in the globalized financial space. Results. The basic theoretical approaches to the assessment of the essence of innovation activity of banks are analyzed and systematized, and the necessity of its consideration from institutional positions for assessing the effectiveness of innovations is determined. The main vectors of activation of the innovation process in commercial banks are substantiated: 1) introduction of innovative banking products and improvement of existing services capable of satisfying the broadest possible range of consumers’ needs in the financial market; 2) change of the concept of advancement of banking services to the users, introduction of innovative methods of their sales and the latest marketing strategies; 3) modernization of organizational structures of the bank and its structural subdivisions in order to increase the efficiency of the operation and speed of implementation of management decisions. Conclusions. Banking institutions, when formulating their own strategy, should consider the innovative vector of development as the most important means of ensuring the stability of its functioning, economic growth and competitiveness, since the efficiency of the bank depends on its ability to meet certain customer’ needs. The results of implementation of such innovations may be reflected in expansion of the client base of the bank, optimization of its branch network and organizational structure, increase of the share of the financial market, reduction of transaction costs of banking operations, and also in ensuring the stability of the bank’s functioning in the long run.
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Hakeemat Ijaiya. "The Regulatory Challenges Facing Islamic Banking: An Empirical Analysis from Ilorin, Nigeria." ICR Journal 11, no. 2 (December 30, 2020): 325–36. http://dx.doi.org/10.52282/icr.v11i2.769.
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This paper addresses the regulatory challenges facing Islamic banking in Nigeria with a view to streamlining the system’s legal framework. An empirical method is adopted, with research being carried out using 150 respondents in Ilorin, Nigeria. The paper found that the challenges facing Islamic banking in Nigeria have had an overall negative effect on that sector’s operation. The study concludes that, if the challenges are not addressed, Islamic banking will suffer setbacks in Nigeria. The paper recommends a regulatory framework for Islamic banking in Nigeria.
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Mchembere, David, and Dr A. O. Jagongo. "Effect of Agency Banking Operation on Profitability of Commercial Banks: A Case Of Selected Commercial Banks in Nairobi County." International Journal of Finance and Accounting 2, no. 1 (February 11, 2017): 123. http://dx.doi.org/10.47604/ijfa.268.
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Purpose: The purpose of this study was to establish the effects of agency banking operation on profitability of commercial banks.Materials and methods: The research design used for this study was descriptive design. The target population will be all eleven commercial banks offering agency banking. The study will conduct a census for all the banks. Data will be collected by use of a questionnaire and secondary data. Data will be analyzed mainly by use of descriptive and inferential statistics. Descriptive statistics will include mean and standard deviation. Data will also be presented by use of graphs, pie charts and tables.Multiple regression models will be useful to find out the virtual importance of each of the four variables.Results: From the study finding agency banking branch networking is negative and a statistically insignificant factor of bank profitability. Effect of agency banking withdrawal transaction is positive and statistically significant. Agency banking deposit transactions is statistically significant. Agency banking accounts opening services is also a statistically significant factor, Commercial banks performance indicators is a statistically significant factor of bank profitability. It is possible to conclude that banks do obtain economies of scale and scope when they expand their activities, mainly by mergers and acquisitions. Therefore,expanded product array and potential for cross selling result from larger size and depth of product offering.Recommendations: The study recommends that for all the commercial banks to earn more profit they ought to increase the number of customers and for their businesses to grow further they have to invest more as well as embrace the adoption of market innovative strategies.The study also recommends that the banks should emphasize on cross-selling as they can be useful marketing tools for banks to reach segments of the population that do not yet use traditional banking services.Key words: agency banking operation, profitability, commercial banks
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Said, Muhammad, and Herni Ali. "An analysis on the factors affecting profitability level of Sharia banking in Indonesia." Banks and Bank Systems 11, no. 3 (October 12, 2016): 28–36. http://dx.doi.org/10.21511/bbs.11(3).2016.03.
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The purpose of this research is to analyze the influence of Capital Adequacy Ratio (CAR) Third Party Funds (TPF), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operation Cost Operating Income (OCOI), Net Operating Margin (NOM), Gross Domestic Product (GDP), inflation and Return on Asset (ROA) as a proxy of Islamic bank’s profitability in Indonesia during 2011-2014 periods. The population of study was Sharia banking (BS) in Indonesia. Time series data from Indonesian Banking Statistics 2011-2014 were used as the primary data. Multiple linear regression was applied as method of analysis. The result shows that CAR, NPF, FDR and NOM did not affect profitability, while TPF, OCOI had negative effect on profitability. Meanwhile, GDP and inflation variable had significant effect with positive direction. Keywords: Sharia bank, ROA, TPF, NPF and inflation. JEL Classification: G21, E31
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Thambiah, Seethaletchumy, Shanti Ramanathan, and Mohammad Nurul Huda Mazumder. "The Determinants Of Islamic Retail Banking Adoption In Malaysia." International Business & Economics Research Journal (IBER) 11, no. 4 (March 21, 2012): 437. http://dx.doi.org/10.19030/iber.v11i4.6880.
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This study aims to examine the factors affecting the adoption of Islamic retail banking (IRB) products and services among the banking customers of Malaysia. The market share of Islamic retail banking remains low despite being in operation for the past 28 years. Therefore, an empirical analysis was conducted to study the usage of Islamic retail banking products and services between the urban and rural banking customers of Malaysia. Comparisons were also made on the usage of Islamic deposits and financing schemes between the Muslim and non-Muslim customers. The findings of the study revealed, relative advantage, promotional efforts, complexity, compatibility and awareness on attributes of Islamic retail banking as the significant determinants of the usage of Islamic retail banking products and services. Thus, the findings of this study serves as a valuable guideline to the banking sector and policy makers to devise appropriate marketing strategies to promote Islamic retail banking products and services aggressively among the banking customers of Malaysia.
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Trần, Tâm Thanh, and Lê Vũ Tường Vy. "Effects of banking scale and operating expenses to profit of joint stock commercial banks in Vietnam." Science & Technology Development Journal - Economics - Law and Management 5, no. 2 (May 6, 2021): first. http://dx.doi.org/10.32508/stdjelm.v5i2.733.
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The operation of the bank is an important economic activity, which has contributed significantly to the development of the national economy over the past years. Therefore, the efficiency in the business operations of joint stock commercial banks is a topic that needs to be addressed, as it directly affects the efficiency in providing capital to businesses, as well as the stability and development of the financial market. Determining the factors affecting the profitability of joint-stock commercial banks will help managers to operate the bank's operations more efficiently. The purpose of this paper is to examine whether the profitability of a joint stock commercial bank in Vietnam is affected by its size and operating costs. All parameter estimates of the regression model are based on regression analysis of the random effects table of REM. Data of the study included 28 joint stock commercial banks in Vietnam for the period of 2012-2019. Empirical research results show that the bank's profit is affected by financial leverage and more particularly, there exists a positive correlation of the bank size and the operating cost on the bank's profit. The fact that larger banks are more competitive has the ability to diversify their asset portfolios, focus on higher profit margins, and spend money to investment, upgrading of service quality and facilities lead to increased operating costs, thereby reducing risks and increasing profits.
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Lazareva, N. A. "Problems and prospects of the transformation of traditional banking into financial and banking ecosystems." Economics and Management 28, no. 2 (March 3, 2022): 197–205. http://dx.doi.org/10.35854/1998-1627-2022-2-197-205.
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Aim. The presented study aims to examine major problems in the transformation of the banking system into an ecosystem; to determine the prospects for the development of a new form of activity of banking organizations; to assess the probability of negative consequences following this transformation for businesses and consumers of new products and services.Tasks. The authors investigate the stages of banking ecosystem development and the sequence of transformation of traditional banking into a financial and banking system; analyze strategic concepts for building an ecosystem of major banks in the Russian Federation; explore the historical roots of the concepts of “business ecosystem”, “banking ecosystem” and the development of the stages of their operation; assess the advantages and determine the prospects for the development of banks in the ecosystem format.Methods. This study uses general and specific scientific methods and a formal-logical approach to analyze the existing banking system and to identify major directions for the transformation of banks into a financial and banking ecosystem.Results. Financial services are a traditional element of banking services, but banks are striving to provide non-financial services (such as goods and food delivery, taxi, transport, catering, medicine, media) and other services of a wide format. The attitude to such transformations is diverse: the conservative public fears that this model will gradually begin to dominate, eventually leading to market monopolization. Progressive consumers of banking services believe that the transformation of traditional banking into a new banking ecosystem is a call of the times, a direction that makes it possible to improve the quality of customer service, while also increasing the investment attractiveness of banks.Conclusions. The policy of transitioning from the traditional banking system to a financial and banking ecosystem developed and cultivated by major Russian banks is not regulated by laws and regulations, and there is no regulator to control the operation of the banking system in the new conditions. The banking system transformation is meant to facilitate the development of digitalization, introduction of innovations, strengthening of information security methods, and reduction of expenses of individuals and legal entities when receiving financial and nonfinancial services.
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Chew, Boon Cheong, Lay Hong Tan, and Syaiful Rizal Hamid. "Ethical banking in practice: a closer look at the Co-operative Bank UK PLC." Qualitative Research in Financial Markets 8, no. 1 (February 1, 2016): 70–91. http://dx.doi.org/10.1108/qrfm-02-2015-0008.
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Purpose – The main purposes of the study were to investigate the ethical banking operations based on the award-winning the UK Co-operative Bank which has successfully brought significant implications on sustaining the nation’s (the UK) socioenvironmental development. The Co-operative Bank operations are conceptualised into a solid ethical banking operations framework (EBOF) to contribute theoretically into enriching the body of the knowledge. Besides, by understanding the EBOF of an ethical banking system, the other banking players like the Malaysian bank can learn from this best practice and gradually shape its operation to become more ethical. Design/methodology/approach – The case study on the UK Co-operative Bank was based on primary data collected through a series of qualitative focus group conducted on 20 senior bank managers who were interested and were supportive of this research project. These experienced respondents are actively involved in the Co-operative Bank’s “Corporate Ethical Policy” formulation, as well as the implementation of this policy into the Co-operative Bank’s daily operations. Besides, secondary data are reviewed to obtain a more comprehensive understanding on the Co-operative Bank. The research began in December 2012 and was completed in August 2014. The main reason the researchers opted for qualitative studies is to comply with the criteria of inductive approach, whereby the final outcomes (EBOF) include the crystallisation of the ethical banking operations, which could be generalised theoretically and empirically. Findings – At the end of the study, EBOF based on the Co-operative Bank’s ethical operations (as the case studied) is constructed. As a conclusion, the Co-operative Bank has done tremendously well in sustaining the UK’s socioenvironmental development, which justifies the reason why the Co-operative Bank has won numerous prestigious awards and is being well recognised nationally and regionally. Practical implications – The novelty concept of ethical banking is driven by the global socioenvironmental initiative that influences some of the major financial institutions which are proactively and gradually shaping their corporate image in safeguarding the community around the environment. This research has successfully attained the ultimate objective to foster knowledge transfer through learning from the best (from the UK Co-operative Bank) in shaping local (Malaysia) ethical banking. Originality/value – This study constructs the EBOF based on the Co-operative Bank’s ethical operations that could be empirically disseminated and adopted in other banks’ operations (across the globe). This is aimed in shaping the local banking industry to become more ethical (learning from the best practice of the UK Co-operative Bank) in wealth creation that places high emphasis on socioenvironmental benefits rather than economic gain on profit maximisation alone. Besides, the EBOF contributes and enriches the body of the knowledge about ethical banking operations.
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Azad, Md Abul Kalam, Peter Wanke, Mohammad Zahir Raihan, S. M. Rakibul Anwar, and Riduanul Mustafa. "Bank efficiency in Bangladesh revisited: a slack-based network DEA approach." Journal of Economic Studies 47, no. 5 (April 2, 2020): 1001–14. http://dx.doi.org/10.1108/jes-01-2019-0029.
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PurposeData envelopment analysis (DEA) calculates the efficiency of a business unit if all the inputs are creating outputs within a “black box.” Under traditional DEA, the detailed process of that business unit is ignored. However, a network DEA can explain the black box structure and provide efficiency results for sub-sections within any business process. This study aims to propose a network DEA model that explains a bank's total operation.Design/methodology/approachEarlier studies have focused only on bank efficiency ignoring this breakdown. This study departs from them by using a slack-based two-stage network DEA under a novel banking business perspective.FindingsThe results reveal that network DEA provides better benchmarking insights than the traditional DEA. As such, better benchmarking can guide both the banking industry managers and policy makers in Bangladesh.Originality/valueThe major contribution of this study includes dividing a bank's total operation efficiency into two sub-operations: “core operations – collecting deposits and giving loans” and “additional operations – fees, commissions and other services.”
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Sukardi, Didik. "SYARI'AH BANKING LEGAL SYSTEM IN INDONESIA." International Journal of Law Reconstruction 2, no. 1 (March 1, 2018): 1. http://dx.doi.org/10.26532/ijlr.v2i1.2621.
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Socio-anthropological and emotional, Islamic law is very close to the people of Indonesia are Muslim majority, but it has historically Islamic law was known long before the colonists into Indonesia. Fatwa Majelis Ulama Indonesia or MUI on bank interest is haram has pushed aside the curtain of public oppression to liberation syari'ah, and gave birth to the implementation of the dual banking system in Indonesia, namely the operation of conventional banks and banks of the syari'ah, which is welcomed by the people of Islam in Indonesia
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Peihani, Maziar. "Basel Committee on Banking Supervision." Brill Research Perspectives in International Banking and Securities Law 1, no. 2 (September 30, 2016): 1–66. http://dx.doi.org/10.1163/24056936-12340002.
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Part 1 of this project overviewed the literature on the Basel Committee of Banking Supervision (bcbs) and provided a primer on the Committee’s governance and functions. It also engaged with the current theories on legitimacy and discussed what legitimacy meant for the global governance of banking and how it could be assessed. This part investigates the bcbs’s governance, operation, and policy outcomes to determine the extent to which it is and has been legitimate. The assessment is conducted based on three principles of reasoned decision making, transparency, and accountability. I argue that the bcbs has gradually become a more legitimate institution but there still exists significant room for improvement. I highlight a number of areas for reform and set out policy prescriptions to enhance the bcbs’s legitimacy.
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Hoang Cong Gia, Khanh, and Son Tran Hung. "Financial Market Development and Risk of Commercial Banking Operation in Vietnam." Journal of Asian Business and Economic Studies 23, no. 03 (July 1, 2016): 110–24. http://dx.doi.org/10.24311/jabes/2016.23.3.01.
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This paper examines how bank risk varies with change in financial market development through a dataset of 25 commercial banks in Vietnam. Empirical results show that the bank risk is positively associated with the development of Vietnam’s financial market. Based on the research findings, we provide implications for commercial bank management and policy-making efforts.
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KHANH, HOANG CONG GIA, and TRAN HUNG SON. "Financial Market Development and Risk of Commercial Banking Operation in Vietnam." Journal of Economics Development 23, no. 3 (July 1, 2016): 110–24. http://dx.doi.org/10.24311/jed/2016.23.3.01.
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Chukwudi, Oparah Felix, and James Tumba Henry. "Monetary Policy and Financial Stability in the Nigerian Banking Industry." International Journal of Financial Research 11, no. 1 (October 10, 2019): 82. http://dx.doi.org/10.5430/ijfr.v11n1p82.
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This study examined the impact of monetary policy on financial stability in the Nigerian banking industry for the period 2008Q1 to 2016Q2, using an error correction model. Banking industry financial stability index (BIFSI) was computed within the study and was used as a measure of financial stability in the Nigerian banking industry. The study discovered that the impact of monetary policy on financial stability in the Nigerian banking industry was weak. It also revealed a significant long run equilibrium relationship between monetary policy and financial stability in the Nigerian banking industry with a speed of adjustment to long run equilibrium of 66.54%. It was concluded that open market operation and exchange rate channels are more effective channels of transmitting monetary policy to financial stability in the banking industry, than interest rate channel.
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Kunhibava, Sherin. "Islamic Banking in Malaysia†." International Journal of Legal Information 40, no. 1-2 (2012): 191–201. http://dx.doi.org/10.1017/s0731126500006478.
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AbstractIslamic banking is the conduct of banking according to Shariah or Islamic law. Statistically Islamic banking has had phenomenal growth, according to the Asian Banker Research Group, the world's 100 largest Islamic banks have set an annual asset growth rate of 26.7% and the global Islamic finance industry is experiencing an average growth of 15-20% annually1. Recently the Prime Minister of Malaysia commented that Malaysia has been maintaining its leadership in Islamic banking and finance for over three decades2. As an International leader in Islamic banking, it would be interesting to explore the development of Islamic banking in Malaysia. This will be the objective of this paper. This paper will focus on the historical development of Islamic banking in Malaysia, from the creation of the Haj Pilgrim's Fund Board in the 1960s to the current Islamic banking scene of 17 local Islamic banks and five International Islamic banks in operation. This paper will also explore the unique regulatory and governance framework of Islamic banking in Malaysia, by touching on the Islamic banking Act 1983, the Central Bank of Malaysia Act 2009, the Banking and Financial Institutions Act 1989 and the Shariah Governance Framework introduced in 2011 by the Central Bank of Malaysia. This paper will also briefly introduce how Islamic banking works.
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Ritter, Renátó. "Banking Sector Exposures to Climate Risks : Overview of Transition Risks in the Hungarian Corporate Loan Portfolio." Financial and Economic Review 21, no. 1 (2022): 32–55. http://dx.doi.org/10.33893/fer.21.1.32.
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Risks arising from climate change can have a serious impact on the operation of the financial system. In this study, the credit exposures of banks and bank branches operating in Hungary are assessed using two methodologies. To put the results of the analysis into context, they are compared with the results of the survey conducted by the European Banking Authority using the same methodologies. Based on both methodologies, Hungarian institutions may be exposed to the negative effects of climate change at a higher rate than their counterparts in the European Union. Using the two methods together, risk groups were formed, on the basis of which 1.2 per cent of Hungarian institutions were classified in the upper quartile and more than 55 per cent of the banking system was classified in the upper-middle quartile. The methods presented can help not only assess the banking system’s transition exposures at the systemic level, they can also be used to assess corporate credit exposures at the institutional level.
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Peihani, Maziar. "Basel Committee on Banking Supervision." Brill Research Perspectives in International Banking and Securities Law 1, no. 1 (July 18, 2016): 1–87. http://dx.doi.org/10.1163/24056936-12340001.
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The Basel Committee on Banking Supervision (bcbs) was established in 1974 as an informal group of central bankers and bank supervisors with the mandate to formulate supervisory standards and guidelines. Although the Committee does not have any formal supranational authority, it is the de facto global banking regulator and its recommendations have been widely implemented by member and non-member states. This project investigates the bcbs’s governance, operation, and policy outcomes to determine the extent to which it is and has been legitimate. The project is comprised of two parts. This part overviews the literature on the bcbs, outlines its contribution, and provides a primer on the Committee’s governance and functions. In addition, it engages with the current theories on legitimacy and discusses what legitimacy means for the global governance of banking and how it can be assessed.
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Booth, Sue, and Jillian Whelan. "Hungry for change: the food banking industry in Australia." British Food Journal 116, no. 9 (August 26, 2014): 1392–404. http://dx.doi.org/10.1108/bfj-01-2014-0037.
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Purpose – Over the last 20 years, food banks in Australia have expanded nationwide and are a well-organised “industry” operating as a third tier of the emergency food relief system. The purpose of this paper is to overview the expansion and operation of food banks as an additional self-perpetuating “tier” in the response to hunger. Design/methodology/approach – This paper draws on secondary data sourced from the internet; as well as information provided by Foodbank Australia and Food Bank South Australia (known as Food Bank SA) to outline the history, development and operation of food banks. Food banking is then critically analysed by examining the nature and framing of the social problems and policies that food banking seeks to address. This critique challenges the dominant intellectual paradigm that focuses on solving problems; rather it questions how problem representation may imply certain understandings. Findings – The issue of food banks is framed as one of food re-distribution and feeding hungry people; however, the paper argue that “the problem” underpinning the food bank industry is one of maintaining food system efficiency. Food banks continue as a neo-liberal mechanism to deflect query, debate and structural action on food poverty and hunger. Consequently their existence does little to ameliorate the problem of food poverty. Practical implications – New approaches and partnerships with stakeholders remain key challenges for food banks to work more effectively to address food poverty. Social implications – While the food bank industry remains the dominant solution to food poverty in Australia, debate will be deflected from the underlying structural causes of hunger. Originality/value – This paper contributes to the limited academic literature and minimal critique of the food bank industry in Australia. It proposes that the rapid expansion of food banks is a salient marker of government and policy failure to address food poverty.
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Tkachuk, Iryna. "Asset operations of Ukrainian banks on the current stage of banking system development." Banks and Bank Systems 12, no. 1 (April 26, 2017): 119–27. http://dx.doi.org/10.21511/bbs.12(1-1).2017.04.
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The aim of the article is to characterize the real stage of realization of asset operations of the Ukrainian banks on the current stage of banking system development. For this aim the analysis of the Ukrainian banks activities within the period of 2011-2016 year is made. The official statistical data of the National Bank of Ukraine on asset operations of the Ukrainian banks and indicators of economic norms of banking were used. Thus, the current stage of credit operations realization by the banks of Ukraine, credit risk of the Ukrainian banks, and investment operations of the banks of Ukraine and the level of their investment risk were researched. It has been elicited that the most numerous operations among all of the asset operations of the Ukrainian banks throughout the study period were credit operations, the volume of which, regardless of the decrease in 2013 and 2016, had a clear tendency for increase. It has been calculated that within the study period the share of loans to business entities was continuously increasing, while the share of loans to private individuals was continuously decreasing, which led to the significant change in the proportions between these two groups of loans. It has been substantiated that the whole banking system was implementing the regulatory standards of credit risk set by the National Bank of Ukraine throughout the whole study period, which signifies that the credit activity of the Ukrainian banks was being conducted in the regulatory framework set by the authorities. Investment operations of the Ukrainian banks in the period of 2011-2016 constituted the second largest group among all of the asset operations. It has been determined that their volume increased significantly within the study period and as a result their share in the general volume of asset operation of the Ukrainian banks increased as well, which signifies a certain diversification of asset operations of the Ukrainian banks.
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Avis, Oleg Usherovich, and Vladimir E. Kosarev. "Glimpse of interaction between traditional and digital banking instruments." Vestnik of Astrakhan State Technical University. Series: Economics 2021, no. 1 (March 31, 2021): 101–7. http://dx.doi.org/10.24143/2073-5537-2021-1-101-107.
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The article is focused on studying the global trends in banking systems: development of digital banking, displacement of traditional banking - banking of branches (affiliates). Within the framework of this global trend, a hybrid banking service model is noticed to be forming, where traditional and digital banking systems complement each other. The concepts of traditional and digital banking are given a detailed consideration. The element of traditional banking – a “live” dialogue between a client and a bank employee - is a very important aspect for the efficient customer service and banking system on the whole. The models of the banking system of modern Russia, Germany, Switzerland and other countries of continental Europe are largely homogeneous. The interaction of traditional and digital banking instruments develops according to the general principles. There has been analyzed the research of the German economists and bankers. There has been mentioned the successful operation of banks in Switzerland, Germany and other banks using the banking systems of the continental model for building new cooperatives of banking instruments. A special importance is given to another global trend - the creation of financial and banking ecosystems, which today mean the combination of banking and non-banking services in the interests of developing a client-oriented approach. There has been justified the hypothesis of the inevitability of building a hybrid model of traditional and digital banking, its actual implementation into actively developing financial and banking ecosystems.