Academic literature on the topic 'Banks and banking Corporate governance. Bank management'
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Journal articles on the topic "Banks and banking Corporate governance. Bank management"
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Budhijono, Fongnawati. "PEMBANDINGAN KINERJA TATA KELOLA BANK-BANK YANG BEROPERASI DI INDONESIA." Jurnal Bina Akuntansi 4, no. 2 (July 31, 2017): 166–74. http://dx.doi.org/10.52859/jba.v4i2.32.
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Indonesian banking authorities consider corporate governance as one of the issues that can ensure the stability of the management of banks operating in Indonesia. Good corporate governance in banking is the governance of banks that apply the principles of transparency, accountability, responsibility, independence, and fairness. Good corporate governance in the banking sector is important because it can boost bank’s and shareholder’s profits in the long run. The focus of this study is to evaluate whether there are differences in the performance of bank governance in relation to the classification of BOOK (BUKU) established by the authorities. The study was conducted using secondary data obtained from Infobank Research Bureau (2017). In total there are 103 banks incorporated in various classifications of various BOOKS (BUKU) and also foreign banks. As the research variable is GCG Composite Value. This study is conducted by considering the bank grouping according to Bank Indonesia (BI) regulations on business activities of commercial banks (BUKU) and also banks belonging to the classification of foreign banks. The test were performed using ANOVA and multiple comparison with post hoc test. The result of the analysis stated that there is no difference of GCG composite value for banks belonging to different books (BUKU), including foreign banks.
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Utama, Cynthia A., and Haidir Musa. "The Causality between Corporate Governance Practice and Bank Performance: Empirical Evidence from Indonesia." Gadjah Mada International Journal of Business 13, no. 3 (September 12, 2011): 227. http://dx.doi.org/10.22146/gamaijb.5481.
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The aim of this study is to examine the existence of causality between corporate governance practice and performance of commercial banks in Indonesia. We also investigate the influence of age, capital adequacy, and type of commercial banks on bank performance and examine the influence of the bank size, foreign ownership, and listing status on corporate governance practice. The result shows that corporate governance practice, bank size and capital adequacy ratio have positive influences on bank performance in Indonesia. However, bank performance does not influence corporate governance practice. This study also finds that regional banks have better performance than private banks. The results of the study support the Central Bank’s efforts to enhance CG practices in the banking sector, to strenghten banks’ capital base and its policy to encourage banks to merge to become larger.
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Febrianto, Hendra Galuh, and Amalia Indah Fitriana. "MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (August 27, 2020): 139–60. http://dx.doi.org/10.36908/isbank.v6i1.135.
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ABSTRACT
In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank.
The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations.
This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017.
Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness
ABSTRAK
Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut.
Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru.
Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017.
Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank
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Hossain, Amzad, Farid A. Sobhani, Normah Omar, Norazida Mohamad, and Jamaliah Said. "Corporate Governance, Risk Management and Ethical Investment: Evidence From Banking Industries." International Journal of Financial Research 10, no. 5 (June 10, 2019): 126. http://dx.doi.org/10.5430/ijfr.v10n5p126.
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Considering the importance of good corporate governance in the banking industry, the study has been designed to investigate the managerial perceptions on interrelationship among good corporate governance, risk management, and ethical investment of the commercial banks of Bangladesh. Bangladesh has been selected as a field of study for three reasons. Firstly, banking is the leading sector in Bangladesh. Secondly, banking sector has been highly criticized in the recent times due to Bangladesh Bank scandal. Thirdly, banking is gradually being challenging services in Bangladesh. As a financial intermediary, bank has to ensure good corporate governance for smooth operations and reducing agency problem. As a trustee, bank deals with the money of others through various schemes of investment. Ethical investment known as social responsible investment is an indicator of good corporate governance. A structured questionnaire has been used to gather perceptions of managers of the sample banks. The results suggest that the most important factors for effective CG were the board of directors, auditors and managers of the various departments. The study also finds that risk taking behavior of the bank is influenced by the direction of board of directors. In this study corporate governance variables have been categorized with some sub-indices. Board’s structure with independent directors and well communication with supervisors ensure the efficient risk management practices in the banks where internal audit system and transparent disclosures of the board ensure the ethical investment practices.
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Busta, Ilduara. "Corporate governance in banking: A survey of the literature." Corporate Ownership and Control 7, no. 3 (2010): 368–86. http://dx.doi.org/10.22495/cocv7i3c3p4.
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The aim of this paper is to explain the particular characteristics of the corporate governance of banks and its role for good bank performance. In order to do that, it reviews the existing literature on this issue trying to answer three main questions: (i) Why are banks different? Existing research points at diverse features, such as, regulation, supervision, capital structure, risk, fiduciary relationships, ownership, and deposit insurance, that would make banks special and thereby influence their corporate governance. (ii) What is different about bank governance? According to past studies, banks’ boards of directors are larger, more independent, have a superior number of committees and meet more often, but seem to play a weaker disciplinary role. Executive compensation would be higher in banking, but pay-performance sensitivity appears lower. (iii) What works for banks? Larger boards, more concentrated ownership structures and certain levels of managerial shareholdings are the principal factors suggested by the empirical evidence to date that seem to lead banks to higher performance.
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Onofrei, Mihaela, Bogdan-Narcis Firtescu, and Paula-Andreea Terinte. "Corporate Governance Influence on Banking Performance. An Analysis on Romania and Bulgaria." Scientific Annals of Economics and Business 65, no. 3 (September 1, 2018): 317–32. http://dx.doi.org/10.2478/saeb-2018-0020.
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Abstract The aim of the paper is to find if the corporative governance characteristics have an impact on bank performance. We conducted an OLS regression on panel data (fixed, random effects and first-difference). We used data from Romanian and Bulgarian commercial banks as reported by Bureau van Dijk database and categorical variables manually collected by analyzing the annual reports of the banks from our sample. These latest dummy variables reflect the corporative governance component for our model. The data used in our paper is from 2003 to 2015 period. Our results showed that there are some statistically significant effects of our categorical variables on bank profitability in both countries, so, the good practice of corporate should be applied for obtaining higher bank’s performance.
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Ayadi, Mohamed A., Nesrine Ayadi, and Samir Trabelsi. "Corporate governance, European bank performance and the financial crisis." Managerial Auditing Journal 34, no. 3 (March 4, 2019): 338–71. http://dx.doi.org/10.1108/maj-11-2017-1704.
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PurposeThis paper aims to analyze the effects of internal and external governance mechanisms on the performance and risk taking of banks from the Euro zone before and after the 2008 financial crisis.Design/methodology/approachTo avoid macroeconomic problems and shocks and because of data availability, the authors select some countries of the Euro zone, namely, France, Belgium, Germany and Finland, during the 2004-2009 period. These countries share similar macroeconomic environments (unemployment, inflation and economic growth rates). All the data relating to the banks are manually drawn from the supervising reports submitted to banks and are available on the banks’ websites and/or on that of the AMF website. The banks included in our sample are drawn from the list of European central banks onwww.ecb.intFindingsThe empirical results show that banks undertake tradeoffs between different governance mechanisms to alleviate the intensity of the agency conflicts between the shareholders and managers. The findings also confirm that internal mechanisms and capital regulations are complementary and significantly impact bank performance.Research limitations/implicationsThis analysis can be extended through studying the interaction between bondholders’ governance and shareholders’ governance and their impact on the 2008 financial crisis.Practical implicationsThe changes in banking governance help banks find a useful and necessary way to avoid ill-considered risks that can cause a systemic risk. Therefore, some conditions should be met so that banking governance can contribute to the economic development.Social implicationsCulture and mentality of good banking governance must grow as much as possible through awareness-raising, training, promotion, recognition of performance, enhancing procedure transparency and stability of good banking governance and regulations, strengthening the national capacity to fight against corruption, and preventive mechanisms.Originality/valueThis paper complements previous studies, mainly those of Andres and Vallelado (2008) who examine the impact of the components of the board on banking performance and of Laeven and Levine (2009) who estimate the combined effect of regulatory and ownership structure on the risk-taking of each bank.
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Brychko, Maryna. "Governance of stakeholder’s financial relationships: evidence from Ukrainian banking." Corporate Ownership and Control 11, no. 1 (2013): 706–14. http://dx.doi.org/10.22495/cocv11i1c7art7.
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This paper makes two related contributions to corporate finance theory and stakeholder theory. First, the author intend to examine relationship between sustainability of stakeholders’ financial relations and efficiency of corporate governance, taking into account lagging of decision-making corporate governance in banks to it financial performance. Second, the author seeks to prioritize stakeholders’ financial relations of the emerging stakeholder model of corporate governance at banks by analyzing two relevant dimensions of this model: contribution valued resources to the bank and power that the stakeholders have within the bank. The findings confirm that efficiency of bank management in the system of stakeholder’s financial relationships in absolute efficiency of corporate governance achieved solely through sustainable financial relations of “principal-agent” (where principals are individuals and agent is apparatus of corporate governance). The results show that the role of individuals as sub-agents, enterprises as principals and sub-agents, shareholders as principals formed negative effect.
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Wafi, Inngamul. "Peranan Good Corporate Governance dalam Perbankan Syariah." Syariati : Jurnal Studi Al-Qur'an dan Hukum 6, no. 02 (December 17, 2020): 183–94. http://dx.doi.org/10.32699/syariati.v6i02.1347.
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In recent years Islamic financial institution industry is developing so rapidly, as weel as Islamic banking in Indonesia which is developing significantly. The development of Islamic banking must be accompanied by good governance sothat sharia is not only tag line for the Islamic financial institutions. SOP of Islamic banking must be carried out correctly based on sharia principles. Therefore, Bank Indonesia issued Bank Indonesia Regulation No. 11/33 / PBI 2009 concerning the implementation of Good Corporate Governance (GCG) for Sharia Commercial Banks and Sharia Business Units. The five principles are: Transparency, Accountability, Responsibility, Professional and Fairness or equity. Good Corporate Governance (GCG) is a banking management system designed to improve compliance with laws and regulations of applicable moral ethics. According to Chapra the application of Good Corporate Governance is a requirement for Islamic banks to develop well and healthily. The implementation of Good Corporate Governance (GCG) in Islamic banking is expected to create a healthy, conducive, transparent and efficient business.
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Ullah, Saif. "Role of Corporate Governance in Bank’s Efficiency in Pakistan." Studies in Business and Economics 15, no. 1 (April 1, 2020): 243–58. http://dx.doi.org/10.2478/sbe-2020-0018.
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AbstractThe purpose of this research paper is to explore the role of corporate governance of banks (independence of the board, board size, CEO duality, audit committee independence, managerial ownership) to boosting up the bank’s efficiency. The study uses bank size, macro-economic conditions, banking structure and economic freedom as control variables. The sample size of the study is 21 Pakistani banks for the period of 2007-2016 and fixed effect panel regression estimation technique is used for data analysis. The results suggest that corporate governance has a statistically significant negative impact on management efficiency, positive effect on profit efficiency and cost efficiency of the banks. Moreover, the findings show that operating efficiency turned out to have a statistically insignificant relationship with corporate governance. Reforms of corporate governance should be adopted efficiently and effectively to boost the banking sector efficiency.
Dissertations / Theses on the topic "Banks and banking Corporate governance. Bank management"
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Li, Li. "Bank regulation, corporate governance and bank performance around the world." Click to view the E-thesis via HKUTO, 2009. http://sunzi.lib.hku.hk/hkuto/record/B43224088.
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Enobakhare, Amienyaru. "Corporate governance and bank performance in Nigeria." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/8439.
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Thesis (MBA)--University of Stellenbosch, 2010.The purpose of this study was to determine the relationship between corporate governance and the profitability of banks in Nigeria. This has been done in line with previous studies in other parts of the world where it was discovered that the corporate governance culture of a firm does have an effect on its profitability. The corporate governance variable employed in this study was that of ownership. Four types of ownership were used as the independent variables, namely board ownership, institutional ownership, foreign ownership and government ownership. Whilst the dependent variables employed were return on assets (ROA) and non performing loans ratio (NPL). Information on banks’ return on assets and non performing loans was generated from year end financial statements and yearly bank reviews from a Nigerian based research firm called Agusto and Company. Also the banks’ ownership variables information was also pooled from financial reports, the Agusto report on banking industry as well as bank websites. A descriptive statistic data was generated to review the trend of banks’ return on assets and non-performing loan performance indicators, whilst a Pearson correlation table was generated to review the correlation between the ownership variable and the performance of banks. The results generated were found to be similar to what has previously been done. This study makes a significant contribution to research by exposing the importance of corporate governance, a concept which has been neglected in the Nigerian corporate world. Finally it provides further justification to do further research in this area in the Nigerian banking and corporate environment.
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Li, Li, and 李莉. "Bank regulation, corporate governance and bank performance around the world." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2009. http://hub.hku.hk/bib/B43224088.
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Yung, Mo Fung. "The relationship between corporate governance and bank performance in Hong Kong a dissertation submitted in partial fulfilment of the requirements for the degree of Master of Business (MBus), in the Faculty of Business, Auckland University of Technology, 2009 /." Click here to access this resource online, 2009. http://hdl.handle.net/10292/739.
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Elbahar, Ehab. "Corporate governance, risk management, and bank performance in the GCC banking sector." Thesis, University of Plymouth, 2016. http://hdl.handle.net/10026.1/6556.
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The current study aims to contribute to Corporate Governance CG and Risk Management RM literature by providing empirical evidence of the relationship between the three construct: CG, RM and Bank Performance BP within the GCC banking sector. Furthermore, the Islamic data and conventional data have been separated to investigate the association between CG, RM and BP. To do so, 90 active banks (30 Islamic – 60 conventional) banks have been selected as a sample for ten years period from (2003 – 2012), and subsequently used the regression analysis (Ordinary Least Square OLS) for the four selected models as follows; Regarding the empirical results of Model (1) which investigate the relationship between CG’s variables and BP measured by ROE and ROA for all banks’ data; Islamic data and conventional data, the result indicate that the board size, gender diversity, role duality and audit committee are insignificantly associated with bank performance measured by ROE in all types of banks. In addition, in Islamic banks the Non-Executive Board Member NEBM and credit and investment committee are negatively and significantly associated with ROE, however, this association is insignificant in conventional banks. The capital ratio is positively and significantly associated with ROA in all types of banks. Furthermore, the gender diversity is insignificantly associated with bank performance measured by ROA in both Islamic and conventional banks. Interestingly, bank size is significant and positive with bank performance measured by both of ROE and ROA in all types of banks. Model (2) investigates the relationship between RM’s variables and BP measured by ROE and ROA for all banks’ data; Islamic data and conventional data. The results indicate that capital risk and liquidity risk are insignificant with BP measured by ROE in all types of banks. The association between non-performing loan and credit risk with ROE are insignificant in Islamic banks, however, this association is significant and negative in conventional banks. Interestingly, the capital adequacy ratio is positively and significantly associated with ROE and ROA in all types of banks. Furthermore, as per Model (3) which investigate the relationship between both of CG and RM’s variables and BP measured by ROE and ROA for all banks’ data; Islamic data and conventional data, it can be concluded that the NEBM is significantly and negatively associated with BP measured by ROE and ROA in all types of banks. In this model, it was noted that some variables are insignificantly associated with bank performance in both Islamic and conventional banks, those variables are gender diversity, role duality, Loan to Deposit Ratio LDR, NPL, credit risk, capital risk and liquidity risk. In Model (4) which investigate the relationship between CG and RM measured by NPL for all banks’ data; Islamic data and conventional data. It can be concluded that NEBM and CEO-turnover are insignificant with NPL in all types of banks. Furthermore, board size, Role duality, LDR and Risk committee are negatively and significantly associated with NPL in conventional banks, however, they are insignificant in Islamic banks. The gender diversity in all types of banks is negative and significantly associated with NPL. In addition to the above, the current study provides evidence that the determinants of bank performance in the GCC banking sector vary among the different independent variables. No single variable could explain the bank performance, this conclusion highlights that there is a need for additional analysis of the three constructs in different periods.
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Morphi, Katerina. "Earnings management and corporate governance : an empirical study of the listed commercial banks in Cyprus." Thesis, De Montfort University, 2015. http://hdl.handle.net/2086/11425.
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This dissertation is an examination of the incentives, opportunities and disincentives for earnings management. The research was conducted for the listed, commercial banks in Cyprus. The period examined includes the years 2002-2011, for which the required information was available. After having considered the literature review, the regulations that affect banks’ financial reporting and the results from interviews conducted the research hypotheses were formulated and tested with regressions. The conclusions drawn from this empirical analysis are as follows. The existence of a cash bonus and leverage did not create incentives for earnings management through the use of discretionary accruals. This finding was observed because the bottom line profit was not considered in cash bonus decisions. In addition, most of the banks’ debt was in the form of deposits; deposit schemes do not include covenants that have to be met like other debt contracts. Discretionary accruals were therefore saved so that they could be used to manage earnings and increase regulatory capital. The evidence suggests that when the capital adequacy ratio was low, earnings were managed in order to artificially boost the capital base. The empirical results confirm that regulators perceived banks as being adequately capitalized and hence did not scrutinize bank practices. Banks were then able to grow and to grant loans very generously. Recognition of more interest revenue helped to cover higher interest paid to depositors and also helped executives to earn their bonus. The evidence also suggests that when the CEO was also the chairman of the board, the quality of earnings deteriorated. However, when directors owned shares and as board independence increased, the quality of earnings was improved. Considering the recent financial crisis and that one of the largest banks has collapsed, the results of this thesis should be of great importance to boards and their audit and remuneration committees, shareholders, depositors, auditors and the supervisory authorities.
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Van, der Klashorst Lizelle. "A records management capability framework for the FirstRand Banking Group." Thesis, Stellenbosch : Stellenbosch University, 2005. http://hdl.handle.net/10019.1/50277.
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Thesis (MPhil)--Stellenbosch University, 2005.ENGLISH ABSTRACT: Competitive pressures in every company worldwide always have, and probably always will, drive leading institutions to adopt smarter, faster and more cost effective ways of providing customers with feature-rich products and outstanding service, in order to differentiate specific offerings to local and global markets. This approach is both inevitable and laudable. At the same time, communications (physical and electronic) have made the world a smaller place and presented a larger target audience for each company's goods and services. However, customers have become better educated, more sophisticated and more demanding, whilst competitors have raised standards and the fight for customer loyalty has intensified. As these pressures increased, the appropriate level of corporate governance has not always been applied, as evidenced by the well publicised failure of Enron in the USA, and many others worldwide. The typical reaction has been to produce an increasing raft of legislation and regulation, designed to protect the consumer against 'cavalier' corporate behaviour, and an equally increasing demand for more and better information. The Banking Industry has not escaped this trend. Its failures have not been as dramatic as Enron and the consequences not as severe. Nevertheless, the potential impact of failure through poor corporate governance is huge and legislation and regulation has become highly visible through acts such as the 'Financial Advisory and Intermediary Service Act' (FAIS), the 'Financial Intelligence Centre Act' (FICA) and the Basel II Committee, - all emphasising integrity, authenticity, completeness, transparency, security, retention, protection, and eventual disposal of information. This assignment examines the relationship between the concepts information management, content management and records management and their importance as enablers of corporate governance. It highlights the current records management capability- maturity within the FirstRand Banking Group and presents a future solution and a practical approach to migration. Whilst understanding the challenges associated with implementing a records management strategy and programme, it emphasises the needs and the huge benefits for the FirstRand Group in meeting its corporate obligations, improving customer service and reducing operating costs. The future solution is set within a Records Management Capability Framework which encompasses how records must be managed by a consistent set of rules. It presents a typical records management life cycle from creation to disposal; it examines how practical systems design can balance the need for structure and stability whilst providing flexibility for operational use; it documents design principles and critical standards; it outlines implementation guidelines; and it recommends policies, ownership, organisational structures and roles, and governance mechanisms within the FirstRand Business Model. FirstRand's records management competency was audited and measured against a capability maturity model (the Carnegie Mellon University's Software Engineering Institute's approach). The results indicated significant cultural and operational challenges in building a records management capability, but it was concluded that knowledge management and sharing of information and intellectual assets (facilitating faster access to better quality and up-to-date information and building corporate memory and business agility) could be delivered only by a well conceived and carefully implemented Records Management Capability Framework.
AFRIKAANSE OPSOMMING: Kompetisie noop suksesvolle besighede, organisasies en soortgelyke instellings om kwaliteit produkte, goedere en dienste teen mededingende pryse aan verbruikers of kliënte te lewer. Koste-effektiwiteit speel 'n groot rol, in ag genome dat die kwaliteit en verskeidenheid van produkte en goedere nie mag taan nie. Die spoed en gehalte van kliëntediens kan die maatskappy 'n voorspsrong gee, in ag genome die toenemende kompetisie met ander maatskappye in dieselfde industrie of mark. Kompetisie met ander maatskappye of instansies in dieselfde mark of industrie, en differensiasie van beide produkte en dienste is onvermydelik. Grootskaalse ontwikkeling in die kommunikasie-industrie dra by tot die bereikbaarheid van ander wêrelddele. Die mark (voorheen onbereikbaar) vir produkte, goedere en dienste, is skielik soveel groter en soveel meer bereikbaar. Die hedendaagse verbruiker en kliënt is meer gesofistikeerd en meer ingelig ten opsigte van produkeienskappe, -variasies, -verskeidenheid, voordele, nadele, ensovoorts, en dring daarop aan dat voorkeure en verwagtinge konstant aan voldoen sal word en selfs met gereelde tussenposes sal verbeter. Kompetisie dryf standaarde vir hoë gehalte produkte en kliëntediens tot die hoogste vlakke. Maatskappye kompeteer toenemend vir kliëntelojaliteit en markbesit op 'n daagliske basis. Met die fokus op kompetisie, klientediens en lojaliteit, en gehalte produkte en dienste, is goeie korporatiewe beheer en bestuursbeginsels nie konstant en deurlopend toegepas nie, soos blyk uit die gebeure met Enron in die Verenige State van Amerika. Deur middel van toenemende wetgewing en regulasies poog regerings wêreldwyd om die belange van die verbuiker / kliënt te beskerm. Inligting het 'n mededingende faktor geword, terwyl die aanvraag na relevante en akkurate inligting steeds toeneem. Die Finansiële Industrie, en meer spesifiek die Bankwese, het nie begonoemde vereiste vir spoed, gehalte en relevansie vrygespring nie, aangesien finansiële instellings soos die 'Federated Bank' in die Verenigde State van Amerika en die Suid Afrikaanse Reserwe Bank, dit ten doel het om na die belange van die verbruiker om te sien. Goeie korporatiewe bestuurstandaarde en riglyne is egter ook van toepassing op die bankwese in Suid Afrika, soos gemanifesteer deur wetgewing en industrie riglyne en standaarde, byvoorbeeld, FAIS en FICA en die 'Basel II Committee'. Hierdie instellings het ten doel om die verbuiker / kliënt te beskerm deur riglyne en standaarde te stel wat die integriteit, geloofwaardigheid, regswetlikheid, volledigheid, deursigtigheid, sekuriteit, retensie van, en toegang tot inligting verseker. Die werkstuk bespreek die verband tussen die konsepte inligtingbestuur, inhoudbestuur en rekordsbestuur en die doel daarvan ter ondersteuning van goeie korporatiewe bestuur. Dit belig die huidige rekordsbestuur bekwaamheid van die 'FirstRand Banking Group', die tekortkominge, en motiveer 'n toekomsgerigte rekordsbestuurmodel, riglyne vir implementering en 'n praktiese benadering tot migrasie. 'n Strategiese benadering tot rekordsbestuur belig vele uitdagings. Tog kan die langtermyn voordele, soos byvoorbeeld die toepassing van goeie inligtings- of rekords- en korporatiewe bestuurbeginsels, uitmuntende kliëntediens en koste-effektiwiteit nie geignoreer word nie, aangesien dit die 'FirstRand Banking Group' 'n voorsprong kan gee op ander banke in die industrie asook kliënte-besit. Die model vereis 'n vernuwende benadering tot inligting- en rekordsbestuur as 'n katalisator ter ondersteuning van goeie inligtings- en korporatiwe bestuursbeginsels in belang van die kliënt.
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Roux, Carmen. "Corporate governance in the banking environment : the obligations of the Board of Directors in view of the failures of Unifer, Regal and Saambou." Thesis, Stellenbosch : Stellenbosch University, 2003. http://hdl.handle.net/10019.1/53336.
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Thesis (MBA)--Stellenbosch University, 2003.ENGLISH ABSTRACT: Corporate governance can be defined as the system by which corporations are directed and controlled. It looks at the institutional and policy framework for corporations - from their very beginnings, in entrepreneurship, through their governance structures, company law, privatisation, to market exit and insolvency. King II places the board of directors at the heart of a company's business and holds them responsible for everything the business did or failed to do. Ultimately corporate governance is about leadership with integrity. A company directorship should not be viewed as belonging to the right club, knowing the right people and collecting a nice cheque every year. Their duties and responsibilities require them to act with the utmost integrity and morality at all times. Failure to do so can result in the demise of a company, a bank or even ... a country. The main objective of this short dissertation is to describe the importance of the role of Corporate Governance within the South African framework, with a focused look at the principles of King I and II. Specific focus is placed on the strength of the fiduciary responsibilities of the board of directors (King II) within the banking environment based on three case studies namely Unifer, Regal and Saambou.
AFRIKAANSE OPSOMMING: Korporatiewe bestuur kan gedefinieer word as die sisteem waarmee organisasies beheer, bestuur en gekontroleer word. Daar word gekyk na die institutionele en beleids raamwerk van organisasies - van die begin, in entrepreneurskap, deur hul korporatiewe strukture, korporatiewe reg, privatisering, tot mark ontrekking en bankrotskap. King 2002 beskou die raad van direkteure as die hartklop van enige organisasie en hou hulle kollektief verantwoordelik vir alles wat die besigheid doen of nie doen nie. Korporatiewe bestuur gaan in beginsel oor leierskap met integriteit. Om die regte mense te ken, aan die regte klub te behoort en elke maand 'n lekker tjekkie te ontvang is nie waaroor direkteurskap gaan nie. As gevolg van hul verantwoordelikhede en verpligtinge word daar verwag dat hulle altyd met integriteit en moraliteit optree. As dit nie gedoen word nie kan dit lei tot die verval van die organisasie, 'n bank of selfs .... 'n land. Die doel van hierdie kort mini-werkstuk is om te verduidelik hoekom korporatiewe bestuur belangrik is in die konteks van Suid Afrika. Daar sal verwys word na die beginsels van King 1994 en King 2002. Spesifieke fokus sal geplaas word op die trustee rol van direkteure in die bank omgewing en word geevalueer aan die hand van drie gevallestudies naamlik Unifer, Regal en Saambou.
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Agbato, Adeola Oluwayemi. "Nigerian Banking Governance, Leadership Style, and Performance During the 2008-2009 Financial Crisis." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2949.
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The 2008-2009 global financial crisis of financial systems negatively affected about 30% of Nigerian banks, leading to profitability issues. The profitability issues led to operational challenges, downsizing, and liquidation of some banks. The purpose of this correlational study was to examine the relationship between corporate governance structure, perception of leadership style, and bank performance. This study was grounded in agency theory and used survey and archival data. Survey data were collected from 11 participants employed by commercial banks located in Nigeria, using the Multifaceted Leadership Questionnaire. Corporate governance and bank performance data were collected from annual bank reports. The model as a whole was not able to significantly predict bank performance, F(2,11,) = .361, p = .708, R2 = .083. There was no relationship between corporate governance structure, employees' perception of leadership style of bank leaders, and performance of banks. When corporate governance is practiced in organizations, it strengthens the structure of the banks. Implementation of corporate governance mechanisms serves as an internal control mechanism and reduces agency conflicts by aligning the interests of management with the interests of owners.The results of this study could be of interest to bank leaders who need to understand the relationship between corporate governance structure, employees' perception of leadership styles, and bank performance. In some previous studies, corporate governance structure and perception of leadership style were found to impact positively on bank performance. A qualitative study to ascertain why the relationship studied is not significant in correlation could be most useful as a benefit to stakeholder's understanding.
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Klöckner, Oliver. "Buy-outs in Family Businesses changes in corporate governance, instruments of managerial control, and financial practices /." Wiesbaden Gabler, 2009. http://d-nb.info/99270572X/04.
Full textBooks on the topic "Banks and banking Corporate governance. Bank management"
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Susilo, Leo J. Good corporate governance pada bank: Tanggung jawab direksi & komisaris dalam melaksanakannya. Bandung: Hikayat Dunia, 2007.
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Caprio, Gerard. Governance and bank valuation. Cambridge, Mass: National Bureau of Economic Research, 2003.
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Lybek, Tonny. Central bank governance: A survey of boards and management. [Washington, D.C.]: International Monetary Fund, Monetary and Financial Systems Dept., 2004.
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Abdullah, Mal An. Corporate governance perbankan syariah di Indonesia. Jogjakarta: Ar-Ruzz Media, 2010.
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Xiao lü dao xiang de guo you yin hang gong si zhi li: The research on corporate governance of state-owned banks based on efficiency perspective. Shanghai Shi: Shanghai jiao tong da xue chu ban she, 2010.
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Greuning, Hennie van. Analyzing banking risk: A framework for assessing corporate governance and risk management. 3rd ed. Washington, DC: World Bank, 2009.
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Greuning, Hennie van. Analyzing banking risk: A framework for assessing corporate governance and risk management. 3rd ed. Washington, D.C: World Bank, 2009.
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Greuning, Hennie van. Analyzing banking risk: A framework for assessing corporate governance and risk management. 3rd ed. Washington, DC: World Bank, 2009.
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1946-, Brajovic Bratanovic Sonja, ed. Analyzing banking risk: A framework for assessing corporate governance and risk management. 3rd ed. Washington, D.C: World Bank, 2009.
Find full textBook chapters on the topic "Banks and banking Corporate governance. Bank management"
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Hanazaki, Masaharu, and Akiyoshi Horiuchi. "A Vacuum of Governance in Japanese Bank Management." In Banking, Capital Markets and Corporate Governance, 133–80. London: Palgrave Macmillan UK, 2001. http://dx.doi.org/10.1057/9780230288140_6.
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Osano, Hiroshi. "Injection of Public Funds into Banks under Deposit Insurance and Bank Regulation." In Banking, Capital Markets and Corporate Governance, 51–84. London: Palgrave Macmillan UK, 2001. http://dx.doi.org/10.1057/9780230288140_4.
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Boitan, Iustina A. "Systemic Financial Institutions' Corporate Governance Features." In Corporate Governance Models and Applications in Developing Economies, 64–82. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-5225-9607-3.ch004.
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Several international and European regulatory and supervisory authorities, such as the Basel Committee for Banking Supervision, the European Banking Authority or the European Central Bank, are increasingly emphasizing that the structure of banks' managing bodies is a key driver of future financial stability and ask for reviews of existing skills, competencies, and expertise in order to cope with the newest economic, social, and technological challenges. The chapter subscribes to these views and aims at investigating two research directions: 1) whether there are resemblances in large, systemic banks' management board structure and 2) whether systemic banks' financial performance is determined by the management board's features (board size, number of women in the board, number of independent members). The empirical approach relies on several complementary methods (descriptive statistics, cluster analysis, panel regression) to reveal dominant board features in a sample of 29 European systemic banks, over a time frame of 11 years.
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Sinha, Abhishek. "Fraud Risk Management in Banks." In Money Laundering and Terrorism Financing in Global Financial Systems, 280–303. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8758-4.ch012.
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White collar crimes refer to the criminal activities by a professional holding a responsible position in the organization. Banking frauds are one of the most pronounced forms of white collar crimes. These frauds impact the reputation of the bank and also effects its financial sustainability. The chapter entails the frauds that happen in banks and identifies reasons for the failure of banks to prevent such frauds. The author pinpoints the best practices in developing fraud prevention frameworks and emphasizes the importance of corporate governance in preventing such frauds. Best practices and future trends are also identified that are important to prevent and detect banking frauds.
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Islam, Md Nazrul, Mohammad Ashraful Ferdous Chowdhury, Mehedi Hasan Tuhin, and Md Masud Sarker. "Corporate Social, Environmental, and Governance Reporting and Firm's Characteristics." In Advances in Human Resources Management and Organizational Development, 139–62. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-4056-4.ch009.
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The study aimed to explore the social, environmental and governance (SEG) reporting practices of Banking sector of Bangladesh. In conducting the study, the longitudinal data has been used over the period 2000-2015 taking all the 30listed private commercial banks in Dhaka Stock Exchange Limited. Three separate reporting index for social, environmental and governance have been developed to measure reporting practices using the dichotomous method from the published annual reports of banks. The analysis found that corporate social, environmental and governance reporting has been increased over the study period. The statistical measure showed that social, governance and environmental reporting were made 46%, 49% and 1% respectively over the period while total SEGwas 39% over the period. The econometrics models using fixed effects showed that corporate profitability, size, age and leverage have positive impact on SEG reporting. The main cause of low SEG reporting could be due to the insufficient laws and framework of SEG reporting.
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Van Greuning, Hennie, and Sofija-Sonja Brajovic Bratanovic. "A Risk-Based Approach to Bank Supervision." In Analyzing Banking Risk (Fourth Edition): A Framework for Assessing Corporate Governance and Risk Management, 381–417. The World Bank, 2020. http://dx.doi.org/10.1596/978-1-4648-1446-4_ch17.
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Dill, Alexander. "Managing Banks’ Risks through a Corporate Governance Framework." In Bank Regulation, Risk Management, and Compliance, 67–107. Informa Law from Routledge, 2019. http://dx.doi.org/10.4324/9780429351167-5.
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Chiu, Iris H.-Y., and Joanna Wilson. "12. Regulating the governance, structures, and incentives at banks." In Banking Law and Regulation, 541–602. Oxford University Press, 2019. http://dx.doi.org/10.1093/he/9780198784722.003.0012.
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This chapter assesses how regulation addresses sub-optimal internal organisation and governance at banks in order to change behaviour. The Basel Committee defines the role of internal control at banks to be for three purposes: to assist in achieving profitability and performance, to ensure the reliability and integrity of financial information relating to the bank, and to assist in external compliance with regulations. Meanwhile, corporate governance may be defined as ‘a system by which companies are directed or controlled’. As a framework for determining exercise of power, decision-making, and accountability, corporate governance is important in the shaping of an overall organisational culture. The chapter also considers the regulation of bankersʼ remuneration. Although such regulation affects bankers individually, there are aspects of ‘collective’ policy in remuneration regulation that seek to control organisational freedom in giving rewards, as well as aspects that affect individual incentives.
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Alam, Md Kausar, Mosab I. Tabash, Md Farjin Hassan, Nihad Hossain, and Md Akib Javed. "Shariah Governance Systems of Islamic Banks in Bangladesh." In Money Laundering and Terrorism Financing in Global Financial Systems, 261–79. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8758-4.ch011.
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This chapter explores the Shariah Governance (SG) of Islamic banks in Bangladesh as compared to global SG practices. Applying semi-structured face-to-face interviews, this study finds that Bangladesh is not far behind the global SG system. Most of the countries have enacted Islamic banking regulations, but Bangladesh does not have any separate banking legislation for Islamic banks. Islamic banks are working on their own instead of centralized functioning under the regulations of the central bank. Islamic banks in Bangladesh are mainly dominated by the ‘buy and sell mode' which is diminishing the real sense of Islamic finance. Islamic banks are not practicing true Islamic banking because of the predetermined profit rate and violation of the Shariah principles. But the central bank has accepted it due to social demands and people's expectations. The corporate social responsibility functions are broader and more focused in Bangladesh as compared to global practices.
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Puri, Sandeep, and Jayanthi Ranjan. "Delhi Bank of India." In Advances in Marketing, Customer Relationship Management, and E-Services, 121–26. IGI Global, 2014. http://dx.doi.org/10.4018/978-1-4666-4357-4.ch010.
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Delhi Bank of India (DBI) is a leading private banking and financial services organization in India. DBI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels in the areas of investment banking, life and non-life insurance, venture capital, and asset management. It has entered the banking consortia of over 30 corporations for providing working capital finance, trade services, corporate finance, and merchant banking. DBI is also providing sophisticated product structures in areas of foreign exchange and derivatives, money markets and debt trading, and equity research. Dwarka Branch of DBI has not been doing well since its inception in March 2008. It is having a very low customer base and many customers have shifted their accounts to other banks because of dissatisfaction with the bank. In the last 6 months, the number of customers has reduced to 2875 from 2900. This branch is having allocation of 1.50 Crores only for loan disbursements during Jan-March, 2011 period but the loan applications are for 2.20 crore. There are six applicants with different backgrounds and this amount cannot be increased. Bank manager Siddhant, needed to take the call for final disbursements.
Conference papers on the topic "Banks and banking Corporate governance. Bank management"
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Ceccobelli, Giacomo, and Alessandro Giosi. "Earnings management practices in the banking industry: The role of bank regulation and supervision." In Corporate Governance: Search for the advanced practices. Virtus Interpress, 2019. http://dx.doi.org/10.22495/cpr19p10.
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Martinčević, Ivana, Vesna Sesar, and Vjekoslav Kolar. "Risk management in the function of increase quality of banking operations." In Kvaliteta-jučer, danas, sutra (Quality-yesterday, today, tomorrow), edited by Miroslav Drljača. Croatian Quality Managers Society, 2021. http://dx.doi.org/10.52730/zgke9767.
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Abstract: Risk management is an indispensable part of the financial market and banking sector and consists of the identification of various forms of risk to which banking operations are exposed. Accelerated and constant market development, globalization and internationalization of the market and new technologies bring new challenges but also risks. Risk management in today's dynamic environment brings with it numerous obstacles but also poses new challenges and opportunities for companies, which implies the establishment of appropriate corporate management and risk culture. Through an adequate and appropriate risk management system tasks and responsibilities of the supervisory and management body and senior management, the system of internal controls, control functions, organizational chart and tasks of individual organizational parts and functions are defined. The banking sector and banking operations are exposed to many risks where several risks occur simultaneously, there is no risk that is only one or placement that carries only one risk, while an additional problem that the bank faces is the quantification of risk. Identifying, measuring, assessing, managing, monitoring and reporting on risks implies defining a risk management strategy which defines the basic guidelines for medium-term risk assumption and the development of risk management and control systems. The risk management strategy is aimed at defining a set of basic standards for sustainable and effective management and control of all identified risks to which the bank is or could be exposed in its operations, taking into account the quality of implementation and compliance with business plans and objectives. The aim of this paper is to present the potential risks that arise in regular banking operations and to show banks risk management system in order to increase the quality of bank operations. Sažetak: Upravljanje rizicima neizostavan je dio financijskog tržišta odnosno bankarskog sektora, a sastoji se od identifikacije različitih oblika rizika kojim je izloženo bankarsko poslovanje. Ubrzani i konstantni razvoj tržišta, globalizacija i internacionalizacija tržišta, nove tehnologije sa sobom nose nove izazove ali rizike. Upravljanje rizicima u današnjem dinamičnom okruženju nosi sa sobom brojne prepreke ali i stavlja pred poduzeća nove izazove i prilike što podrazumijeva uspostavu odgovarajućeg korporativnog upravljanja i kulture rizika. Upravo kroz adekvatan i odgovarajući sustav upravljanja rizicima definiraju se uloge, zadaci i odgovornost nadzornog i upravljačkog tijela i višeg rukovodstva, sustav unutarnjih kontrola, kontrolne funkcije, organizacijska shema i poslovi pojedinih organizacijskih dijelova i funkcija. Bankarski sektor i bankarsko poslovanje izloženo je mnogobrojnim rizicima gdje se nekoliko rizika javlja istovremeno, ne postoji rizik koji je samo jedan ili plasman koji sa sobom nosi samo jedan rizik dok je dodatni problem s kojim se banka susreće kvantifikacija rizika. Utvrđivanje, mjerenje, procjenjivanje, ovladavanje, praćenje i izvještavanje o rizicima podrazumijeva definiranje strategije upravljanja rizicima kojom se definiraju osnovne smjernice za srednjoročno preuzimanje rizika te razvoj sustava upravljanja i kontrole rizicika. Strategije upravljanja rizicima usmjerena je na definiranje skupa osnovnih standarda za održivo i učinkovito upravljanje i kontrolu svih identificiranih rizika kojima banka je ili bi mogla biti izložena u svojem poslovanju, vodeći računa o kvaliteti primjene i usklađenosti istih s poslovnim planovima i ciljevima organizacije. Cilj ovog rada je izložiti potencijalne rizike koji se javljaju u redovnom bankarskom poslovanju i prikazati načine na koje se banka nosi s njima, odnosno upravljanja rizicima u funkciji povećanja kvalitete poslovanja.