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Journal articles on the topic 'Banking sector; System'
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A. Obalade, Adefemi, Babatunde Lawrence, and Joseph Olorunfemi Akande. "Political risk and banking sector performance in Nigeria." Banks and Bank Systems 16, no. 3 (July 9, 2021): 1–12. http://dx.doi.org/10.21511/bbs.16(3).2021.01.
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Political risk is prevalent in Nigeria and tends to influence business outcomes and the stability of the banking system. As a result of this study, it was determined whether political risk matters to the performance of the banking sector in Nigeria. The effect of political risk on different banks’ performance measures, such as return on assets, return on invested capital, credit risk and stock price, were examined in a panel of 12 selected commercial banks for the period 2006–2018. Data was analyzed using a two-stage system of generalized method of moments. The results provided evidence that the effect of political risk on bank performance depends on the performance proxies. Specifically, political risk was found to be negatively related to banks’ returns on invested capital and positively related to deteriorating credit risk. Hence, it can be concluded that political risk induces poor banking system performance in Nigeria. The study provides a critical insight into the management of a country’s political systems in terms of their potential to create unfavorable conditions for banking systems to thrive.
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Khattak, Mudeer Ahmed, Mohsin Ali, Baharom Abdul Hamid, and Muhammad Umar Islam. "COMPETITION, DIVERSIFICATION, AND STABILITY IN THE INDONESIAN BANKING SYSTEM." Buletin Ekonomi Moneter dan Perbankan 24 (March 8, 2021): 59–88. http://dx.doi.org/10.21098/bemp.v24i0.1481.
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We examine the impact of competition and portfolio diversification on banking stability for conventional and Islamic banks in Indonesia. We find that the Islamic banking sector is less stable, when compared to the conventional banking sector. Competition in the banking sector reduces stability, while diversification enhances it. We find that competition negatively impacts the Islamic banks, but diversification has no impact on these banks. An interesting finding is that competition and diversification complement each other in enhancing the stability of the Indonesian banking sector. These findings carry an important policy implication for the banking sector of Indonesia.
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W, Nadia Sasri. "The National Banking Crisis in Applied Early Warning System (EWS)." Jurnal Dinamika Ekonomi Pembangunan 1, no. 1 (August 7, 2018): 37–45. http://dx.doi.org/10.33005/jdep.v1i1.68.
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The purpose of this research is the research and development of the industrial sector's economy to the agricultural sector, as well as the influence of agricultural and industrial sectors on economic growth in Indonesia. The data used is time series data, 1960-2015. The method used in this research is Vector Error Correction Model (VECM). From the estimation results, it is concluded that the economic growth rate and the industrial sector negatively affect the agricultural sector, it can be said that the increasing economic growth achieved in Indonesia has increased the industrial sector and lower the agricultural sector. While the results of research that the agricultural sector negatively affect the economic growth while the industrial sector positively affects economic growth, in the sense that the agricultural sector has a bad contribution in economic growth in Indonesia.
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Dąbkowska, Anna. "Fuzje i przejęcia w niemieckim sektorze bankowym w latach 1997–2012." Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, no. 110 (July 15, 2015): 155–65. http://dx.doi.org/10.22630/eiogz.2015.110.26.
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Deepening globalisation and liberalisation on the market of banking services make banks worldwide concentrate their capitals. Carefully planned mergers and acquisitions within financial sector are supposed to rise the scale of the businesses and increase their values. This paper is aimed at presenting mergers and acquisitions in German banking sector, focusing only on transactions within particular sub-sectors of German banking system. The analysis covered consolidation processes of all sub-sectors of German banking sector. The most important mergers and acquisitions observed since the financial crisis were presented.
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Quyen, Do. "Efficiency Evaluation of e-CRM System in Banking Sector under Digitalization." Journal of Advanced Research in Dynamical and Control Systems 12, SP4 (March 31, 2020): 1800–1807. http://dx.doi.org/10.5373/jardcs/v12sp4/20201665.
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Swamy, Vighneswara. "Banking System Resilience and Financial Stability - An Evidence from Indian Banking." Journal of International Business and Economy 14, no. 1 (July 1, 2013): 87–117. http://dx.doi.org/10.51240/jibe.2013.1.5.
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This paper while emphasising the importance of the concept of financial stability in wake of recent global financial crisis in particular and other (banking and financial) crises in general attempts to highlight the significance of the soundness of banking sector in emerging economies where banking sector constitutes a lion’s share in the financial system. This study examines banking sector stability by constructing a micro vector auto regressive (VAR) model and establishes the significance of the interrelatedness of the bank-specific variables such as; Liquidity, Asset Quality, Capital Adequacy and Profitability. Further, the paper offers a substantive review of literature on the concept of financial stability in backdrop of the ongoing definition debate for financial stability. A significant contribution of this study is that, by employing the most appropriate key determinants of banking sector soundness, the paper constructs a recursive micro VAR model to explain the interdependence and comovement of the banking stability covariates in a bank-dominated financial system that aids in understanding the dynamics of financial stability of emerging economies
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Lici, Eleana, and Irena Boboli. "Concentration and Competition in the Albanian Banking Sector." European Journal of Economics and Business Studies 2, no. 1 (August 30, 2015): 168. http://dx.doi.org/10.26417/ejes.v2i1.p168-173.
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Albania has a relatively new financial system, where banking system is the most developed financial service in our country, with a share of 94, 4% of the total financial services. This is a phenomenon of countries with emerging economies, which proves that there is greater reliance on the state economic development of the banking sector, by effecting from the households to the biggest investors and the government. As in any market, competition is important for the banking sector because, it affects the efficiency and the quality of services offered. Furthermore, competition in banking has also implications for other sectors of the economy. So, higher competition in the banking sector is found to be associated with a faster growth of other sectors of the economy that rely on external financing. The main goal of this paper is to understand the characteristics of competition in our banking system and study the relationship between the level of concentration and competition. We are going to measure the concentration by the “H” indices. The “H” (Herfindaflit) indices is a measure of the level of the concentration of the banking system of a country. A high level of the indices shows a high level of concentration and as a consequence a low level of competition. A low level of the indices shows a low level of concentration which is sign of a banking market with a high competition.
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Кузбагаров, Муслим, and Елена Кузбагарова. "THE UNIFIED BIOMETRIC SYSTEM AND UNIFIED SYSTEM OF IDENTIFICATION AND AUTHENTICATION AS TOOLS TO ENSURE THE SECURITY OF BANKING OPERATIONS USING THE INTERNET: LEGAL AND ORGANIZATIONAL ISSUES." Rule-of-law state: theory and practice 16, no. 4-2 (April 1, 2020): 199–212. http://dx.doi.org/10.33184/pravgos-2020.4.36.
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The paper is devoted to the organizational and legal issues of using the unified identification systems in various sectors of the economy, in particular in the banking sector. In the Russian Federation since 2011 the use of the unified identification and authentication system (ESIA) and since 2018 the use of the unified biometric system (EBS) has become one of the most promising areas in the activities of commercial banks and other subjects of the financial system. It is advisable to consider the active introduction of the EBS and ESIA into the banking sector as a tool for ensuring the security of banking transactions using the Internet, developed on the basis of modern engineering, technical and software developments. Purpose: to analyze the main directions of the use of the ESIA and EBS in the banking sector, to determine the existing organizational and legal issues arising in the practical activities of banks when implementing banking operations. Methods: the research is carried out on the basis of the methods of analysis and synthesis, generalization, comparison and a systematic approach. Results: based on the results of the study, the authors identify the existing organizational and legal issues arising in the practical activities of banks when carrying out banking operations using the Internet, and suggest ways to solve them.
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Nyasha, Sheilla, and Nicholas M. Odhiambo. "The evolution of bank-based financial system in the United Kingdom." Corporate Ownership and Control 11, no. 1 (2013): 483–92. http://dx.doi.org/10.22495/cocv11i1c5art3.
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This paper gives an overview of the banking sector in the U.K.; it highlights the reforms since the second half of the 20th Century; it tracks the growth of the banking sector in response to the reforms implemented over the past seven decades; and finally, it highlights the challenges facing the banking sector in the U.K. The country’s banking sector consists of more than 340 commercial banks, with the Bank of England, which is the economy’s central bank, at the apex. Since the 1970s, the U.K. government has implemented a number of banking sector reforms – in order to safeguard and improve the banking sector. The response to these reforms, by the banking sector, has been varied. As a result of these reforms, there has been an increase in the activity of foreign banks as the financial sector was regulated. There has also been an improvement in the Central Bank’s oversight of the financial institutions, and an enforcement of the banks’ capital-adequacy requirements. By any standard, the U.K. currently has one of the most developed banking systems in world. The country has enjoyed a substantial bank-based financial sector development over the years, and its institutional framework has also grown stronger. However, like any other financial system, the U.K. banking system still faces wide-ranging challenges, such as less than adequate disclosure standards, contagion risk from the euro zone, squeezed interest margin and uncertainties caused by changes in regulatory regimes.
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SOKOLOV, A. P., and K. O. SEMYONOV. "INTERNATIONAL MANAGEMENT SYSTEM FOR THE ECONOMIC SECURITY OF THE BANKING SECTOR." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6, no. 12 (2020): 169–72. http://dx.doi.org/10.36871/ek.up.p.r.2020.12.06.022.
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The article discusses the most pressing issue of ensuring the economic security of the banking sector through international management systems. The authors analyze the protection of banks and the banking system from external and internal factors. Russia's transition from Basel-1 to Basel-3 directly had a beneficial effect on the stability of the banking system during the crisis. The reforms proposed by the Basel Committee, in turn, are aimed directly at strengthening microprudential regulation. It is proposed to highlight two factors that will have a positive effect on the Russian banking system with the adoption of Basel-3. The article will be of interest to economists working in the banking sector.
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Shrestha, Sulochana, Seeprata Parajuli, and Udaya Raj Paudel. "Communication in Banking Sector: A Systematic Review." Quest Journal of Management and Social Sciences 1, no. 2 (December 31, 2019): 272–84. http://dx.doi.org/10.3126/qjmss.v1i2.27445.
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Background: Effective banking communication strengthens the relationship between customer, suppliers, stakeholders, manager, client, employees and board of directors. Banker’s experience on banking communication enhances banking system, employee’s behavior and core banking services facilities management. Banking communication improves organizational effectiveness through training, knowledge management, risk management, internal control system and data security management. In modern era, communication channel is transformed into electronic channel promoting e-banking which includes internet banking, mobile banking and e-payment system. Moreover, clerical work shifted into electronic form, which cut costs and satisfy customer.
Objectives: This paper explores how banker’s experience effects on banking communication in commercial banks, which enhances their understanding level and determines effective communication in workplace.
Methods: Extensive desk reviews followed by related literature werecarried out to gain better insight regarding the field of study.
Findings: With the passage of time, computers and technologies have changed the traditional method of communication system. Banks are now using windows, world processing system, excel, computer operating system, DOS, database management system, data planning and database design, data security, internet, intranet, extranet service and email system which increase working performance.
Conclusions: Bank managers need to understand importance of communication skills in order to increase effectiveness of internal communication between manager and employees.
Implications: Commercial banks of Nepal requireto update in their communication practices and strategies in order to build proper channel which would help in communication between employees and management.
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Sengupta, Atanu, and Sanjoy De. "Competition in Indian Banking Sector Since 1990s." Indian Economic Journal 65, no. 1-4 (March 2017): 67–75. http://dx.doi.org/10.1177/0019466217727845.
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In this article, we have estimated the degree of competition in Indian banking sector for the period 1992–2012, as well as in the two sub-periods 1992–2001 and 2002–2012. From our study, we have found that, like the majority of the banking sectors in the developed countries, Indian banking sector also operated under monopolistic competition. Further, the level of competition increased in phase two vis-à-vis phase one for the banking system as a whole as well as for all categories of banks. Liberalisation push, wide usage of technology and introduction of new age private sector banks have enhanced competition in the banking space. JEL Classification: G21, D41, C33
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Barrell, Ray, Simon Kirby, and E. Philip Davis. "Modelling the UK Banking Sector." National Institute Economic Review 214 (October 2010): F67—F72. http://dx.doi.org/10.1177/0027950110389773.
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The financial crisis that emerged during 2007 and overwhelmed the financial system in late 2008 also brought to the fore some of the obvious failings of the style of modelling that had been fashionable in central banks in the previous decade. The shift to Dynamic Stochastic General Equilibrium models (DSGE) of whatever sort left no real scope for money and financial markets to have an impact on the real economy. This was in part because equilibrium models based on theory are unlikely to be designed to cope with a period of disequilibrium, which is when the financial system becomes important in macroeconomics. DSGE models come in various guises, and it was common to operate with a three-equation model with demand, supply and the interest rate as the equations. It is hard to see how the financial sector could fit into this, or what use it would be even if it were included. Larger DSGE models that respect the national income identity are easier to augment with a financial sector; but even that developed by the US Federal Reserve (see Edge, Kiley and Laforte, 2010) tends to return to equilibrium rather more rapidly than seems reasonable.
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Malashenko, Timofey. "BANKING SECTOR MODERNIZATION(SPANISH RECIPE)." Cuadernos Iberoamericanos, no. 1 (March 28, 2017): 47–54. http://dx.doi.org/10.46272/2409-3416-2017-1-47-54.
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The aim of the research is to analyze transformation of the Spanish banking sector after the financial crisis of the year 2008. The author examines a hypothesis that banking system played an important role in the development of Spain’s economy. Spain’s banking sector was substantially transformed during the economic crisis, and now serves as a prerequisite for development of Spain’s national economy during post crisis period
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Yasynska, Nadiia, Iryna Syrmamiikh, and Oksana Penez. "Monitoring the financial security of the Ukrainian banking sector in the context of system-deterministic challenges." Banks and Bank Systems 16, no. 2 (April 26, 2021): 12–26. http://dx.doi.org/10.21511/bbs.16(2).2021.02.
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The development of the financial market and the transformation of the banking sector create a need for diagnostics of its financial security. This study is aimed at determining the level of the Ukrainian banking sector financial security in the event of decapitalization of the national economy. The paper uses multicomponent and behavioral analysis methods. The empirical study is based on Ukrainian data for 37 indicators by three components (for multicomponent analysis) and 23 indicators (for behavioral analysis). The study presents an improved algorithm for monitoring the level of Ukrainian banking sector’s financial security based on the calculation of the integral indicator. Only the system of “Financial results” indicators as the most significant component has relative independence from the other two components (“Financial stability” and “Macroeconomic stability”). According to assessments, in 2008–2017 Ukrainian banking sector’s financial security was 0,485-0,539; and in 2018 it became 0,626. The behavioral analysis of the partial integral indicator of the “Financial stability” component with the withdrawn assets located in offshore jurisdictions revealed the causal relation of the negative impact of capital outflow on the financial stability of the banking sector. This study has a practical value for determining the level of the banking sector financial security.
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Pilarczyk, Karolina. "Importance of Management Information System in Banking Sector." Annales Universitatis Mariae Curie-Skłodowska, sectio H, Oeconomia 50, no. 2 (June 15, 2016): 69. http://dx.doi.org/10.17951/h.2016.50.2.69.
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Malik, Nazaruddin, and Mudrifah Mudrifah. "High Involvement Work System and Performance of Indonesian Banking Sector." Jurnal Reviu Akuntansi dan Keuangan 10, no. 2 (July 30, 2020): 219. http://dx.doi.org/10.22219/jrak.v10i2.11157.
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This research aims to analyze the effect of High Involvement Work System (HIWS) and technologies adaption on the performance in Indonesian banking sector and also determine whether the perceived leadership behavior successfully moderating the effect of HIWS and technologies adaption on the banking sector performance in Indonesia. The data of 96 respondents were conducted by questionnaire that measured using the 1 (totally dissagree) to 5 (totally agree) Likert score and analyzed using the associative method using PLS software. The result indicates that the application of HIWS in the banking sector has a positive but not significant effect on the performance. While the test results state that technologies adoption significantly influences positive performance in the banking sector. For moderation variables in the form of perceived leadership behavior weaken the influence of HIWS on performance, otherwise, it strengthen the influence of technology adoption on the performance of Indonesian banking sector.
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Litvishko, Oleg, Kamar Beketova, Bibigul Akimova, Assem Azhmukhamedova, and Gulnara Islyam. "Impact of the Digital Economy on the Banking Sector." E3S Web of Conferences 159 (2020): 04033. http://dx.doi.org/10.1051/e3sconf/202015904033.
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In the article innovations in banking and foreign experience of digitalization studies. Catalyst of banking activity main factors of development of banking innovations considered as. The study allows us to set the boundaries of the digital banking model, determine the specific features of its activities and banking services to deepen the understanding of the subjects of the banking system of modern features of the development of the banking industry allows. Presented materials identification of the level of development of banking services for orientation and theoretical basis, it may be the digitalization of banking processes in terms of the impact of their activities on the transformation credit organizations and banking systems of countries around the world aimed at improving efficiency promotes coordination.
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Кришталь, Г. О., and Т. В. Капелюшна. "SYNERGY OF THE BANKING AND SOCIO-ECONOMIC SECTORS UNDER THE INFLUENCE OF THE STATE REGULATOR." Підприємництво та інновації, no. 9 (December 30, 2019): 147–51. http://dx.doi.org/10.37320/2415-3583/9.24.
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The article examines the factors that influence the relationship between the banking and socio-economic sectors, which testifies to their close relationship: the capabilities and potential of one sector increase as the other sector develops. The issues of sector synergy in the system of interaction between the bank and the state regulator, the banking and economic sector and the banking and social sector, both in theoretical, methodological and practical aspects, remain insufficiently developed. Banking entities should give the opportunity to use all opportunities to maximize profits without restriction in a period of economic growth, which will provide enough painless support to businesses in order to retain and develop full-fledged, strong partners in the future. The implementation of the principle should be temporary, and the costs of the banking sector can be offset by economic growth.
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Nyasha, Sheilla, and Nicholas M. Odhiambo. "The australian banking sector reforms: Progress and challenges." Corporate Ownership and Control 10, no. 4 (2013): 469–78. http://dx.doi.org/10.22495/cocv10i4c5art4.
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This paper gives an overview of the Australian banking sector; it highlights the reforms since the 1970s; it tracks the growth of the banking sector in response to the reforms implemented over the past five decades; and finally, it highlights the challenges facing the Australian banking sector. The country’s banking sector consists of more than 60 commercial banks, with the Reserve Bank of Australia, the country’s central bank, at the apex. Since the 1980s, the Australian government has implemented a number of banking sector reforms in order to safeguard and improve the banking sector. The response to these reforms by the banking sector has been varied. As a result of these reforms, there has been an increase in the number of banks and a decrease in the number of building societies and credit unions. There has also been an improvement in the central bank’s oversight of the financial institutions, and an enforcement of the banks’ capital-adequacy requirements. Currently, Australia has one of the most developed banking systems in the world. The country has enjoyed a substantial bank-based financial sector development over the years, and its institutional framework has also grown stronger. However, like any other country’s financial system, the Australian banking system still faces wide-ranging challenges, such as bank concentration and exposure.
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Pilarczyk, K. "Importance of Management Information System in Banking Sector." Annales Universitatis Mariae Curie-Sklodowska. Sectio H: Oeconomia 50, no. 2 (2016): 69–80.
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Ben Mimoun, Mohamed. "Islamic banking and real performances in a dual banking system." International Journal of Islamic and Middle Eastern Finance and Management 12, no. 3 (July 15, 2019): 426–47. http://dx.doi.org/10.1108/imefm-07-2018-0223.
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Purpose There is a rich debate on the nature of Islamic banking (IB)–growth nexus and the direction of causality governing this nexus. This study aims to focus on this issue in the case of Saudi Arabia, the largest country-holder of Islamic Banks (IBs)’ assets worldwide. It assesses empirically the nature of dynamic interactions between IBs’ financing and the real performances in the non-oil private sector (investment and GDP) in the context of a dual banking system where IBs operate alongside their conventional counterparts. Design/methodology/approach This study employs the Bounds test in the context of reparametrized autoregression distribution lags (ARDL) models to analyse both long-run and short-run dynamics governing Islamic and conventional banks’ (CBs) financings on one hand and real investment and GDP in the private sector on the other hand over the 2007q1-2016q4 period. It also uses the Toda and Yamamoto (1995) augmented Granger-causality test to assess the direction of causality governing these dynamics. Findings The more important results are: there is a stable and significant long-run relationship between IBs’ financing and real performances in the private sector. This nexus is governed by the “feed-back hypothesis”, implying the validity of both the “supply-leading” and the “demand-following” hypotheses. In a dual banking system context, IBs exert two effects on the financing of their conventional counterparts: a negative “crowding-out” effect and a positive and “stimulating” effect which transmits through the “competition” channel. Finally, in the long-run, steady-state, real GDP is dissociated from CBs’ financing. Originality/value This paper highlights an issue that has not received the needed attention in the case of Saudi Arabia. It has also found novel results with important policy implications.
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Larionov, A. V. "Methodological Approach to Assessing the Investment Attractiveness of the Industry for the Banking Sector." Voprosy statistiki 26, no. 12 (December 23, 2019): 52–60. http://dx.doi.org/10.34023/2313-6383-2019-26-12-52-60.
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This paper presents selected results of the study on improving information and methodological tools to increase the effectiveness of entrepreneur’s and state investment policy. Final result of this study - is developing guidelines for calculating the coefficient of investment attractiveness of the banking industry based on the physical theory of heat transfer. Classification of industries according to the degree of investment attractiveness allows to select the industries that will receive the least amount of resources from private investors. The least attractive sectors will be able to obtain public investment resources. For sectors with high investment attractiveness, public funds will only supplement the flow of free liquidity from the banking sector. The lack of liquidity in the real sector is compensated by attracting private funds, a significant share of which is in the banking sector. The real sector could also get the state investments. In this regard, it is important for the state and the banking sector to assess the industries from the position of the possibility of returning the funds, as well as obtaining additional income. The study presents guidelines for calculating the coefficient of investment attractiveness of the industry for the banking sector. The indicator takes into account both the distribution of bank loans in the economy by industry, and the expected profitability of lending, affecting the bank’s decision to issue a loan. Based on the analysis of theoretical concepts, it was demonstrated that the liquidity of the banking sector can be redistributed ≪freely≫ (due to market mechanisms) and ≪involuntarily≫ (through the implementation of state policy related to the direction of funds in certain sectors where there is a lack of resources). The study considers a methodological approach to the assessment of factors affecting the distribution of liquidity of the banking system in the real sector of the economy. The considered approach takes into account behavioral aspects of decision-making in the banking system.
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T, Sobha Rani. "Profitability performance of private sector banks." Journal of Management and Science 1, no. 2 (June 30, 2013): 267–80. http://dx.doi.org/10.26524/jms.2013.32.
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Banking plays a crucial role in enriching the economic and social life of nations all over the world.. Their ability to make a positive contribution in igniting the process of growth depends on the effective banking system. Private banking in India was practiced since the beginning of banking system in India. Technique. It represents the efficiency with which the operations of the banks are carried on. The analysis of the profitability performance is extremely useful to various interested parties Profitability performance analysis is one of them.In the present study, an attempt has been made to appraise the financial position of the bankthrough the application of profitability performance analysis technique.
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Trippner, Paweł. "Appraisal of Financial Situation of the Polish Banking Sector from 2008 to 2012." Management 17, no. 2 (December 1, 2013): 177–89. http://dx.doi.org/10.2478/manment-2013-0064.
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Summary Appraisal of Financial Situation of the Polish Banking Sector from 2008 to 2012 The banking system is a very important element of the financial system of a country. As institutions of public trust, banks play a crucial role in the process of transforming savings into investments, which directly affects the country’s economic development. Maintaining the banking sector in a good financial condition guarantees stability of the financial system and economic development of Poland. The article aims to present the essence of operations of banks as financial institutions, present their role in the economy, and describe various methods of appraising their financial condition. In order to fulfil the above goals, a research hypothesis is put forward stating that the financial condition of the banking sector in Poland deteriorated in the analysed period as a result of an adverse impact of turbulence in financial markets and problems in banking sectors in the European Union countries.
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Dedu, Vasile, Dan-Costin Nițescu, and Maria-Alexandra Cristea. "The Impact of Macroeconomic, Social and Governance Factors on the Sustainability and Well-Being of the Economic Environment and the Robustness of the Banking System." Sustainability 13, no. 10 (May 19, 2021): 5713. http://dx.doi.org/10.3390/su13105713.
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The paper highlights the connection between the European Union banking system and a set of representative factors—macroeconomic, social, and governance factors—selected from the perspective of sustainability and well-being. The analysis is carried out as a panel regression on EU member countries with annual data for 2005–2018, and it explores the impact of the selected factors on the robustness of the banking systems in the European Union countries. The analyzed variables to reflect the robustness of the banking system were the domestic credit to the private sector and the nonperforming loans (NPL) rate. Those indicators are of high relevance and concern within the current pandemic context. The results show that the banking development degree influences the increase of private-sector lending and the decrease of the NPL rate. Social and governance factors impact differently the level of private sector and NPL rate. All macroeconomic indicators used to influence the level of private-sector lending. The research reflects the fact that to promote and adopt a culture of sustainability and to ensure well-being, a close collaboration between all sectors of an economy is needed, together with a strong policy interconnection and harmonization between micro and macro.
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Zhang, Wei-Bin. "Banking and Money in an Extended Solow-Uzawa’s Neoclassical Growth Model." Studies in Business and Economics 16, no. 1 (April 1, 2021): 221–43. http://dx.doi.org/10.2478/sbe-2021-0018.
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Abstract This study deals with interactions between economic growth and structural change with banking. The study is influenced by the growth model of money and banking by Chang et al. (2007). It deviates from Chang et al.’ model with regard to the monetary authority behavior, economic structure, and modeling behavior of household. The model deals with dynamic interactions between money, banking, economic structural change and growth in a perfectly competitive economy. The economic system consists of one capital goods sector, one consumer goods sector, and one banking sector. The two goods sectors are based on the Solow-Uzawa growth model. The motion is described by a set of differential equations. For illustration, we simulate the motion of the economic system. We identify the existence of a stable equilibrium point. We carry out comparative dynamic analysis. The comparative analyses provide some insights into the complexity of economic growth with banking.
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Vasilyeva, Tetiana, Larysa Sysoyeva, and Alina Vysochyna. "Formalization of factors that are affecting stability of Ukraine banking system." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 7–11. http://dx.doi.org/10.22495/rcgv6i4art1.
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Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression). Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid assets to short term liabilities ratio and cost to income ratio. Empirical results of the research found out that grate damage to the stability of banking system has some parameters of banking activity, that’s why the main purpose of the regulation by the National Bank of Ukraine should be strengthening of macroprudential supervision and intensification of adaptation of Basel II and Basel III requirements.
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Yagupova, Ekaterina Anatolyevna. "IMPACT OF THE CORONAVIRUS PANDEMIC ON THE RUSSIAN BANKING SYSTEM." Scientific Bulletin: finance, banking, investment., no. 3 (52) (2021): 49–55. http://dx.doi.org/10.37279/2312-5330-2020-3-49-55.
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The article deals with the current topic of the development of the Russian banking system in the context of the coronavirus pandemic. The current state of the banking sector and the activities of individual credit institutions are analyzed. The threat of a pandemic impact on the state’s banking sector is being studied. Taking into account the current situation, problems arise in the activity of banks, including the lack of full communication between credit institutions and customers– one of the most important factors in the development of banking business. It is quite difficult to operate remotely — most businesses are based on personal communication between employees and customers. The main problem and difference between the current situation and past crises is not the economic nature of the current crisis. Therefore, it is quite difficult to assess its progress and the consequences of the pandemic. The situation will depend on how widespread the COVID-19 pandemic is and how the authorities will respond to it. The consequences of a pandemic are unpredictable in their duration and impact. It is obvious that the country is waiting for a drop in production and this is a serious blow. How fast the economic recovery will be depends on the duration of the pandemic. The measures taken by the government to support the population (issuance of zero loans and registration of credit holidays, etc.), today will cause damage to the banking sector by about 400 billion rubles. If we take into account last year’s net profit of the country’s banks, which amounted to 1.7 trillion rubles, the banking system will withstand this blow. The main risk for banks will be non-repayment of loans by businesses, deterioration of the loan portfolio. This may lead to a crisis in some sectors of the economy, whose enterprises are borrowers. According to the most negative estimates of experts, the losses of the banking sector may amount to about 900 billion rubles. The crisis triggered by the coronavirus pandemic will be felt by the country’s banks in the next six months. Banking organizations will need financial support from the state. Some financial institutions will not survive without state aid. In the current situation associated with the COVID-19 epidemic, banking organizations are still only underperforming. After the pandemic, the country’s banks, as well as their clients, will find themselves in a new reality. The economic situation in the country will be different. Entire sectors of the economy may be transformed. Some banking organizations will close, and the remaining financial institutions will develop remote services, which they switched to during the coronavirus period. It is quite difficult to predict what will happen to the rates of loans and deposits and the ruble exchange rate. This depends on many factors. One thing is clear-the world will not be the same.
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Bini Smaghi, Lorenzo. "What future for the European banking system?" Vierteljahrshefte zur Wirtschaftsforschung 87, no. 4 (September 1, 2018): 141–51. http://dx.doi.org/10.3790/vjh.87.4.141.
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Zusammenfassung: Das Papier beleuchtet die Hauptgründe, die der sinkenden Rentabilität des europäischen Bankensektors im Vergleich zum US-amerikanischen zugrunde liegen. Sie unterstreicht insbesondere die Rolle niedriger Zinsen, geringerer Konzentration, strengerer Regulierung und des Fehlens eines tiefen und liquiden Kapitalmarktes. Ein stärkeres europäisches Bankensystem erfordert echte gesamteuropäische Banken und eine echte Kapitalmarktunion. Summary: The paper assesses the main factors underlying the decreasing profitability in the European banking sector, in comparison with the US. It underscores in particular the role of low interest rates, lower concentration,tighter regulation and the absence of a deep and liquid capital market. A stronger European banking system requires true pan-European banks and a true capital market union.
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Rimavičiūtė, Sandra, and Mantas Vilys. "ASSESSMENT OF COMPETITION IN THE BANKING SECTOR OF LITHUANIA / KONKURENCIJOS LIETUVOS BANKININKYSTĖS SEKTORIUJE VERTINIMAS." Mokslas – Lietuvos ateitis 6, no. 1 (February 20, 2014): 56–63. http://dx.doi.org/10.3846/mla.2014.08.
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Competition in the banking sector is different from the competition in the other sectors. Banks can compete only onthe basis of banking products. Also, banks are dependent on each other – actions of every market participant may strongly affectthe others. Problems of one bank may encourage distrust of the entire banking system. Analysis of Lithuanian banking sectorhas showed that country’s banking sector can be divided into three groups – the biggest banks, smaller and medium-sized banksand foreign banks branches. The largest part of banking sector is concentrated in activity of the three banks. All these banksare owned by Scandinavian capital. Lithuanian banking sector is highly concentrated. In 2005–2012 years the average mean ofthree banks concentration index (CR3) in deposits, assets and loans markets was 68 percent. According to these high values ofconcentration rates, Lithuanian banking sector can be characterized as oligopoly. Globalizacija, bankų konsolidacija, pasaulinė finansų krizė pastaraisiaisdešimtmečiais stipriai paveikė bankininkystės sektorių.Visi šie pokyčiai turėjo įtakos ir sektoriaus konkurencijai bei koncentracijai.Bankininkystės sektoriaus konkurencija ir koncentracijanagrinėjama teoriniu ir praktiniu aspektais. Analizuojamasąsajos tarp konkurencijos ir stabilumo, efektyvumo bei finansiniųpaslaugų prieinamumo. Išskiriami pagrindiniai veiksniai, lemiantyskonkurenciją bankininkystės sektoriuje. Atlikta Lietuvosbankininkystės sektoriaus analizė, įvertintas konkurencijos irkoncentracijos Baltijos šalių bankiniuose sektoriuose laipsnis.
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Babarinde, Gbenga F., Matthew O. Gidigbi, Julius T. Ndaghu, and Idera T. Abdulmajeed. "Digital Finance and the Future of Nigerian Banking System: A Review." Nile Journal of Business and Economics 6, no. 16 (December 30, 2020): 24–35. http://dx.doi.org/10.20321/nilejbe.v6i16.02.
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Digital finance is a type of financial service that employs digital products like personal computers, the internet, mobile phones, cards linked to a digital payment system. Innovations in the digital world cannot be divorced from Nigerian financial services most notably the banking sector. Therefore, it means that banking industry cannot but embrace digital innovations in their services delivery. Hence, there is a need to review the impact of digital finance in the Nigerian banking sector. Desk research method was used to examine how innovations in the digital world could impact the future financial service delivery in the Nigerian banking sector. From the review, it was that the digital world is quickly changing and this impacts banking in all ramification. It is recommended that the banking industry should try to keep pace with the digital innovations, for them to be able to meet up the demands of their digitally-savvy customers.
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Istifadah, Nurul, Heru Tjaraka, and Dwi Ratmawati. "ROLE OF THE FINANCIAL SECTOR TO IMPROVE ECONOMIC COMPETITIVENESS IN EAST JAVA." Jurnal Riset Ekonomi dan Manajemen 16, no. 2 (October 31, 2016): 189. http://dx.doi.org/10.17970/jrem.16.160202.id.
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ABSTRACTGerbangkertasusila (Gresik-Bangkalan-Mojokerto-Surabaya-Sidoarjo-Lamongan) is a center of economic growth in the province ofEast Java. Performance of competitiveness in the Gerbangkertasusila affect to the achievementof the indicators of competitiveness of East Javaprovince. Indicators of regional competitiveness include several aspects, namely: the regional economy, infrastructure, natural resources, human resources, technology, institutional, governmentpolicy, micro-economic management, and the regional financial system. Aspects of the regional economy can be measured by the optimization of the development of the leading sectors, whilethe indicator of the regional financial system is reflected by the ability of the financial system of banking and non-banking in the region in facilitating economic activities that can provide added value. The objectives of this study are to identify the leading sector of each kabupaten/ kota and also analyze the role of the financial system in improving regional competitiveness. Based on the indicators of the leading sector and the role of the financial system, prepared a strategy to improve regional competitiveness in each kabupaten/kota in Gerbangkertasusila. The tools of analysis in this study are shift-share and SWOT analysis.The results showed that the leading sector of city of Surabaya and Mojokerto are the trade sector. The district of Sidoarjo, Gresik, and Lamongan are the industrial sector, while the leading sector of Mojokerto district is the agriculture sector and Bangkalan district is the mining and agriculture sector. Furthermore, to improve the competitiveness of regions in Gerbangkertasusila need to increase the role of the financial system of banking and non-banking especially in building infrastructure at the leading sector.
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Malashenko, T. "Banking sector of Spain: innovation." Cuadernos Iberoamericanos, no. 4 (December 28, 2019): 49–57. http://dx.doi.org/10.46272/2409-3416-2019-4-49-57.
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In a turbulent global economy, the introduction of innovations in the banking sector is a key factor in improving efficiency and stabilizing the global financial system. World financial and economic crisis of 2008-2009 became a serious test for the economy of Spain. The recognition of the importance of adapting the banking sector to new economic conditions is becoming increasingly relevant for considering modern processes taking place in the European Union and in the global economy as a whole. Spain is at the forefront in introducing digital technology into the banking sector, but its experience has been little studied. This is the first work analyzing the Spanish experience in introducing, developing and operating new technologies: Blockchain, mobile banking applications, alternative finance, sharing platforms, crowdsourcing. The author concludes that the introduction of innovation has transformed the banking sector in Spain and has led to a decrease in bank employees and a reduction in offices. The freed up resources were directed to the activation of the digital segment, which led to the leading position of Spain in digital banking. In the future, an even greater spread and development of these technologies is expected. It will grow more slowly than income, as deferred demand is absorbed and households increase their savings rates.
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Mashkina, Natalya, Ekaterina Selyutina, and Anna Minaeva. "The Russian banking sector: new development trends." E3S Web of Conferences 295 (2021): 01052. http://dx.doi.org/10.1051/e3sconf/202129501052.
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The article examines the key trends in the banking system of the Russian Federation in 2017-2019. The efficiency of the use of domestic financial resources and the intensity of accumulation processes largely determine the level of socio-economic development of the state, which confirms the key role of banks and the banking sector in the development of the national economy. Although the Russian banking sector is experiencing rapid growth, it still does not reach a sufficient level of development of the competitive environment and market discipline, which negatively affects the quality of banking services. The aim of the study is a comprehensive analysis of current trends in the development of the banking sector of the Russian Federation over the past three years. During the study, comparison methods and economic and statistical methods were used. The tasks of the work are to identify existing problems in the Russian banking sector and its prospects. The result of this work was a study of key indicators of the banking system of the Russian Federation in 2017-2019. This study analyzed the dynamics of the number of credit institutions, financial results of the banking sector, as well as the volume of credits and deposits of legal entities and individuals. The main conclusion of the work was that despite the active development of the Russian banking system in recent years, there are still problems that need to be solved. Global processes and challenges, such as the coronavirus pandemic in 2020 and related restrictions, have a negative impact on the financial sector both in Russia and globally. This also includes foreign sanctions. In these circumstances, the subsequent development of the domestic banking sector will largely depend on the development of the situation with coronavirus and Russia’s diplomatic relations.
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Gref, G., and K. Yudaeva. "Russian Banking System under Conditions of Global Crisis." Voprosy Ekonomiki, no. 7 (July 20, 2009): 4–14. http://dx.doi.org/10.32609/0042-8736-2009-7-4-14.
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Problems in the financial sector were at the core of the current economic crisis. Therefore, economic recovery will only become sustainable after taking care of the major weaknesses in the financial sector. This conclusion is relevant both for the US and UK - the two countries where crisis has started, and for other economies which financial institutions turned out to be fragile in the face of the swings in the risk appetite. Russia is one of the countries where the crisis has revealed serious deficiency in the financial sector. Our study of 11 banking crises during the last 25-30 years shows that sustainable economic recovery and decrease in the dependence on commodity prices will be virtually impossible without cleaning of balance sheets and capitalization of the financial sector.
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Vladi, Besarta. "THE OPEN INNOVATION MODEL: EXPLAINING THE FACTORS THAT HINDER ITS IMPLEMENTATION IN THE ALBANIAN BANKING SYSTEM." CBU International Conference Proceedings 1 (June 30, 2013): 69–74. http://dx.doi.org/10.12955/cbup.v1.16.
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The implementation of an open innovation model is considered by many researchers, to be a great opportunity to help profit-making organizations become more competitive and successful. But some sectors, such as the banking sector, are not able to apply this model. In the Albanian banking sector, the concept of an open innovation model is almost unknown to executive directors. The question is: Why does this happen? The implementation of an open innovation model is strongly affected by cost, short term focus, legislative problems, lack of information, and frequently by a lack of interest in cooperation. As a possible solution for this problem, especially during the financial crisis which has impacted Albanian as well as the rest of the world, raising a strong awareness of the importance of this model could be one route to improve the level of competitiveness in the banking sector.
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N., Davydenko, and Kolodiazhna V. "ASSESSMENT OF FINANCIAL SECURITY OF THE BANKING SYSTEM OF UKRAINE." Scientific Bulletin of Kherson State University. Series Economic Sciences, no. 40 (December 24, 2020): 51–58. http://dx.doi.org/10.32999/ksu2307-8030/2020-40-9.
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Today, the basis of financial security of the state is to ensure the stability and security of the banking system, because the decline in confidence in banks causes damage to the financial security of the whole country. The purpose of the article is to study the essence of financial security of the banking sector and develop proposals for its strengthening based on an assessment of the state of the banking sector at this stage of economic development. The primary tasks of the banking system are the stabilization of the monetary system of the state, the accumulation of financial resources of society, ensuring the stability of the national currency, which together have a signi-ficant impact on its financial security. That is why it is necessary to determine the state of the banking sector of the state in terms of its ability to withstand internal and external negative factors in the banking process. Therefore, the state of financial security of the banking system is subject to constant analysis, especially in our time, due to the difficult military-political situation and economic instability in the country, which has negatively affected the activities of commercial banks. The article presents the main indicators of the banking sector of Ukraine during 2014–2019, which provide an opportunity to analyze trends in its state under the influence of internal and external factors. The main characteristic features of the banking system of Ukraine in the conditions of modern challenges are determined. According to the results of the analysis, it can be stated that the state of the banking system of Ukraine is quite unstable, primarily due to the change in the structure of the banking sector and the fact that Ukraine is on the way to overcoming the crisis of the banking system. As a result of the research, measures have been identified to ensure the stability of the banking sector and increase the level of financial security of the banking system. It is established that in order to further ensure the stability of the financial security of the banking system of Ukraine at a high level, considerable attention should be paid to improving the banking management system and tools of state financial monitoring of the banking sector.Keywords: financial security, state, banking system, solvency, financial stability. У статті визначено сучасні підходи до визначення сутності фінансової безпеки банківської системи держави, як основної складової її економічної системи. Визначено основну мету підтримки фінансової безпеки банку та структуру банківського сектору держави в розрізі його платоспроможності. Здійснено оцінку основних показників діяльності банківського сектору держави та проведено аналіз сучасного його стану протягом 2014–2019 рр. на основі офіційної статистичної інформації Національного банку України. Визначено вплив націоналізації ПАТ «Приватбанк» та обґрунтовано основні її наслідки для державної частки банківського сектору. Охарактеризовано ефективність функціонування банківської системи України, а також вплив банківської реформи на нівелювання наслідків кризи банківської системи.Ключові слова: фінансова безпека, держава, банківська система, платоспроможність, фінансова стійкість
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Л.А., Плукар. "РЕГУЛЮВАННЯ ДІЯЛЬНОСТІ БАНКІВСЬКОГО СЕКТОРА У КОНТЕКСТІ ЗАБЕЗПЕЧЕННЯ ЙОГО ЕКОНОМІЧНОЇ БЕЗПЕКИ." Economics and Management, no. 86(2) (May 22, 2020): 91–98. http://dx.doi.org/10.36919/2312-7812.2.2020.91.
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The article substantiates the need to regulate the banking sector to ensure economic security of its operation. The main tasks of state regulation and supervision of the banking sector have been identified. The types of existing models of the institutional structure of the system of banking regulation and distribution of powers between prudential supervisors are revealed. Requirements for the development of a model of regulatory policy in the banking sector of Ukraine have been formed. The necessity of creating early crisis prevention systems (macroeconomic, based on warning indicators), monitoring of systemic financial institutions, application of macroprudential analysis with regular publication of a strategic document - the Financial Stability Report. The foreign experience of macroprudential regulation and supervision with the help of established specialized divisions of central banks on financial stability and security is reflected. The creation of a separate unit of financial stability and security in Ukraine was initiated, reporting directly to the Chairman of the NBU. The scheme of correlation of subjects of management and tools of maintenance of economic safety of national banking system with separation of subjects of management of economic safety of banking sector, tools of maintenance of economic safety of banking sector at the international and national levels of banking supervision is developed. The implementation of the principles of the Basel Accords in the activity of the banking system of Ukraine is determined as a determining factor in strengthening its financial stability and economic security. The issue of trust in the banking system is one of the main criteria for success, efficiency and security of the banking sector of the economy of each state. The need for monitoring and management of systemic risks has been proved.
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Steinherr, A. "Current Tendencies of the Russian Banking Sector Development." Voprosy Ekonomiki, no. 12 (December 20, 2005): 18–31. http://dx.doi.org/10.32609/0042-8736-2005-12-18-31.
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The reasons of the financial crisis of 1998 in Russia are considered in the article. It is stressed that the monetary authorities missed the chance to establish the banking sector framework in the country closer to tested Western standards. The current state of the Russian banking system is analyzed, its unresolved problems are formulated: lack of an enabling environment, difficulties with choosing the banking model, absence of a level playing field, low trust, deficiencies of regulatory framework and corporate governance. Privatization of state banks and introduction of a two-tier banking system are proposed.
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Hamida, Dian, Nurmala Ahmar, and Syahril Djaddang. "DETERMINAN PREDIKSI KRISIS PERBANKAN BERBASIS BANKING SECTOR FRAGILITY INDEX." JIAFE (Jurnal Ilmiah Akuntansi Fakultas Ekonomi) 3, no. 2 (March 12, 2018): 1–16. http://dx.doi.org/10.34204/jiafe.v3i2.687.
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The unfavorable condition of the banking system has a major impact on the economy in Indonesia. The existence of monthly BSF (Banking Sector Fragility) index can be used to decide whether the national banking system is experiencing crisis at some point. This study aims to analyze how the effect of capital (CAR), profitability, liquidity, Gross Domestic Product (GDP), inflation and exchange rate against banking crisis based on Banking Sector Fragility Index listed in Indonesia Stock Exchange 2010-2014 period in Indonesia. Data analysis technique in this research is using statistical approach that is descriptive statistic analysis and logistic regression. The results showed that capital, Gross Domestic Product, inflation and exchange rate did not affect the banking crisis based on Banking Sector Fragility Index in Indonesia and profitability. Meanwhile liquidity had an effect on to banking crisis based on Banking Sector Fragility Index in Indonesia. Keywords: BSF Index, CAR, Profitability, Liquidity, GDP, Inflation, Exchange Rate
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Nyasha, Sheilla, and Nicholas M. Odhiambo. "Banking sector reforms in Kenya: Progress and challenges." Corporate Ownership and Control 10, no. 1 (2012): 88–96. http://dx.doi.org/10.22495/cocv10i1art8.
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This paper gives an overview of the banking sector in Kenya; it highlights the reforms since the country‟s independence in 1963; it tracks the growth of the banking sector in response to the reforms implemented over the past four decades; and finally, it highlights the challenges facing the banking sector in Kenya. The country‟s banking sector consists of more than 40 commercial banks, with the Central Bank of Kenya, which is the country‟s central bank, at the apex. Since the 1980s, the Kenyan government has implemented a number of banking sector reforms – in order to safeguard and improve the banking sector. The response to these reforms by the banking sector has been varied. As a result of these reforms, there has been a shift in the dominance from the State-owned banks to the private commercial banks. There has also been an improvement in the Central Bank‟s oversight of the financial institutions, and an enforcement of the banks‟ capital-adequacy requirements. By the standards of African countries, Kenya currently has one of the most developed banking systems in Africa. The country has enjoyed a substantial bank-based financial sector development over the years, and its institutional framework has also grown stronger. However, like many other developing countries‟ financial systems, the Kenyan banking system still faces wide-ranging challenges, such as high interest rate spreads and financial inclusion challenges
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Sokolinskaya, N. E., and L. M. Kupriyanova. "Information Technology Development Risks in the Banking Sector." World of new economy 14, no. 3 (November 1, 2020): 44–53. http://dx.doi.org/10.26794/2220-6469-2020-14-3-44-53.
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The relevance of the article is because in parallel with the processes of introduction of innovations in the field of automation and computerization of the banking system, the number of types of banking risks associated with innovations in the field of on-line customer service and internal Bank reporting, as well as information systems. As a result of this article, we have studied the latest legislative acts of the Central Bank of Russia as a mega-regulator and summarized the practice of both individual credit institutions and the banking sector in the field of information technology development risks in the banking sector. To strengthen the development of new financial technologies in the digital economy, it is necessary to regularly discuss the emergence of new phenomena and innovations; to consider the possibility of further analysis of existing methodological developments to exchange best practices of banks. Building an effective it security risk management system is not a one-time project. Still, a complex process is important, focused on minimizing external and internal threats and taking into account the limitations on resources and time factor
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Quresh, Abdul Hafeez, and Kashif Ur Rehman . "A Comparison between Islamic Banking and Conventional Banking Sector in Pakistan." Information Management and Business Review 4, no. 4 (April 15, 2012): 195–204. http://dx.doi.org/10.22610/imbr.v4i4.980.
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The Islamic banking system is attaining enormous development. Several modern international conventional banks were also enchanting significant concern and starting Islamic banking branches in their organizations, which work in compliance with the specific Islamic Shariah principles in a number of states of Pakistan. The Islamic banking structure is bizarrely facing gigantic contest by the Islamic banking sector all over the world as well as from the well-known International commercial banks that hold out services and products of IB. It is an attempt for exploration and investigation of the extensive and essential factors, which persuade consumers to choose the Islamic banking or conventional banking and the function of demographic features, which track consumers to the assortment of IB or CB in Pakistan. Sample of 341 respondents has been used in this study mainly focused on non-probability convenience test tool. Pre-institute 5 point likert survey instrument ranging from 5 to 1 was applied to gather data. The conclusion reveals that there are countless factors other than religious perception like employee and customer interactions, convenience, reputation, financial benefits & services, and technology, which are fundamental for the consumers for the assortment of Islamic or conventional banking. The demographic characteristics of the respondents also have a significant impact. The authors expect that the crux of this study will explore new ways for the Islamic banking system to emphasis on specific emerging factors to enhance the efficiency and performance of the Islamic banking system in Pakistan. There will be enormous advantage for executives of IBs & CBs in developing marketing approach.
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Prabakaran, J., S. Ispriya, A. Amsa, and T. Angulakshmi. "A Study on Workers Reward System in Banking Sector." IOSR Journal of Business and Management 16, no. 7 (2014): 23–25. http://dx.doi.org/10.9790/487x-16732325.
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Sarkisyants, A. "Current Tendencies of the Russian Banking Sector Development." Voprosy Ekonomiki, no. 10 (October 20, 2006): 93–107. http://dx.doi.org/10.32609/0042-8736-2006-10-93-107.
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The article considers a new model of the Russian banking system and its prospects. It also studies the ties of the national banking sector with the real one. The activity of foreign banks in Russia is investigated as well as the tendencies of the world banking process.
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Wittine, Zoran, and Ivana Vuk. "Analysis of Stability and Exposure of Croatian Bank System to Non-Credit Risks." Business and Economic Research 6, no. 2 (October 25, 2016): 331. http://dx.doi.org/10.5296/ber.v6i2.10211.
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Paper focuses on Croatian banking sector and looks into factors that affect its stability. It analyses resilience of the banking sector to external shocks, determines factors of risk resilience and relates them to present situation in Croatia. Finally, it discusses results of stress testing conducted by Croatian National Bank and draws conclusions pertaining to Croatian financial sector.
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Alqahtani, Faisal, Nader Trabelsi, Nahla Samargandi, and Syed Jawad Hussain Shahzad. "Tail Dependence and Risk Spillover from the US to GCC Banking Sectors." Mathematics 8, no. 11 (November 18, 2020): 2055. http://dx.doi.org/10.3390/math8112055.
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This study investigates the structure of the tail dependence between the United States (US) and Gulf Cooperation Council (GCC) banking sectors for the period February 2010 to July 2017. Conditional value at risk and conditional diversification benefits are calculated. The GCC banking sectors show lower tail dependence with the US banking sector. This is confirmed by the fact that GCC banking sectors receive higher downside risk spillover from the US banking system during downside market movements compared to upside risk spillover effects. Interestingly, an equally weighted portfolio of US and GCC banking stocks can provide relatively higher diversification benefits. These findings have implications for portfolio diversification, asset allocation and hedging strategies.
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Kazi, Mohammed Imran. "Islamic Banking, A Potential Banking System for India." Shanlax International Journal of Arts, Science and Humanities 8, S1-Feb (February 6, 2021): 196–201. http://dx.doi.org/10.34293/sijash.v8is1-feb.3952.
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Islamic banking is one of the fastest developing banking systems in the financial sector, with vast opportunities worldwide. Islamic banking operates by focussing on complete transparency, ethical investment avenues, co-operative businesses, risk sharing that attract not only the followers of Islam but people from other faiths also. Considering the growth Internationally–Islamic banking has become one of the fastest-growing segments in the International markets as well as Capital markets. With around 195 million Muslims approximately, India’s Muslim population is about the world’s third-largest and the world’s largest Muslim-minority population. India is home to 10.3% of the world’s Muslim population. Islamic banking system operates strictly by the Shariah laws which prohibit collection or payment of Interest, known as “Riba”. The Islamic banking system also prohibits investments in businesses or ventures that are considered Unlawful or Haraam. Risk bearing is one of the most basic principles based on which the Islamic banking system works, which relates to trading rather than risk transfer as in the case of conventional banking. The research papers aim at explaining the services of Islamic banking and various principles of Islamic banking. The research also intends to put forward the benefits and drawbacks of Islamic banking in the Indian context.
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Diatlova, Yu. "Modern Approach to Formation of the Banking Sector Development Trajectory." Economic Herald of the Donbas, no. 4 (62) (2020): 70–77. http://dx.doi.org/10.12958/1817-3772-2020-4(62)-70-77.
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The results of the study topical issue on effective development of the banking sector with an emphasis on banks with domestic capital are summarized in the article; the modern approach to formatting the trajectory of such development is substantiated. The factors influencing the development of the banking sector are systematized. External and internal factors are distinguished. The supranational and national levels are defined for the group of external factors. Supranational factors are related to globalization and integration. First of all, these are crisis phenomena in the world economy and financial system, the liberalization of capital movements. External factors at the national level mostly have a negative impact on the development of the banking sector. It is shown that certain external factors of the national level depend on supranational ones, and internal factors depend on national ones. Internal factors are grouped into those that have a positive and negative impact on the development of the banking sector. The characteristic of the most significant factors is given, their mutual influence is shown. Factors such as the dangerous level of competitive internalization due to the presence of foreign banks in the Ukrainian banking market, the high level of loans and deposits dollarization, low quality of assets and loans have a negative impact on the development of the banking sector. The influence of internal factors on the development of the banking sector is determined. It is proved using dynamic (simulation) modeling based on an impulse process that the development of the banking sector is significantly influenced by the factor of dangerous level of competitive internalization. It is established that such stabilizing factors as the growth of demand for banking services, increasing confidence in the banking system and stabilization of the national currency together compensate for the destabilizing effect of any negative factor, including competitive internalization. The formation of positive internal factors will contribute to the progressive trajectory of the banking sector development, in particular banks with domestic capital.