Dissertations / Theses: 'Banks and banking – India'

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Lohia, Saumya. "Performance of the Indian Banking Industry over the Last Ten Years." Scholarship @ Claremont, 2011. http://scholarship.claremont.edu/cmc_theses/282.

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This paper analyzes the performance of Indian banks over the period of the last ten years. It uses the CAMEL Framework to determine the performance of public and private banks in India. The paper also conducts an empirical analysis to determine the share price performance of Indian banks relative to the share price performance of banks in Hong Kong, Europe and the US. This paper finds that private banks perform better than public banks overall based on the CAMEL Framework. In addition it also finds that the Indian banks share price performance is dependent on the share price performance of Hong Kong and European banks, and it has a significant positive relationship with the overall Hong Kong stock market, and this relationship strengthens after 2007. On the whole, this paper seeks to offer as comprehensive a perspective as possible upon the conduct, structure and performance of the banking industry of India.

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KITTUR, ASHA HARSHAVARDHAN. "Effectiveness of the Altman Z-Score model : Does the Altman Z-Score model accurately capture the effects of Non-Performing Assets (NPA) in the Indian banking sector?" Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-86144.

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The aim of this study is to measure the effectiveness of Altman’s Z-Score model using Non-performing assets (NPA) as a benchmark stability indicator. To do that, this paper examines if Altman’s Z Score Models capture the decline in financial health of the banks caused by the NPAs, using a two-fold analysis i.e., in advance through prediction and when the distress period is ongoing. The findings of this paper would suggest that: 1. During the distress period: The Z-Scores only marginally capture the distress caused by the NPAs, which is in line the findings of Almamy et al that the predictive ability of the model goes down during the crisis period. 2. For the future: The results of the statistical t-tests indicate that, the Z-Scores do not have the predictive ability to capture the future NPAs. Two different models that are developed by Altman - one for non-manufacturing firms and the other for the emerging markets, are used to test, if one model is more suitable than the other to the Indian banking sector. The findings of this paper suggest that, due to the uniqueness of the Indian banking sector during the NPA crisis, the ‘Emerging market model’, does not produce any significantly better results. Therefore, there is further scope to develop a tailor-made model suitable to the Indian banking sector.

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Kos, Kalia Olena. "Private banking performance and customer relationship management : an exploratory study comparing switzerland and india /." St. Gallen, 2008. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=017050618&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA.

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4

Ozturk, Huseyin. "Three essays in Turkish banking : development banks, Islamic banks and commercial banks." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31399.

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This thesis is composed of three empirical chapters each of which examines separate segments of Turkish banking system from different perspectives. First empirical chapter investigates regional loan distribution of development banks. The findings in this chapter suggest that political connection has played a significant role in development lending. There is also geographical bias which leads to higher volumes of loans in the regions close to the capital city. Second empirical chapter examines Islamic banks and compares them with conventional banks in terms of profitability and competition grounds. The results reveal that Islamic banks earn more returns with respect to conventional banks. The results also suggest that the regulatory changes of the last decade improve market power of these banks. The last empirical chapter investigates micro structure of Repo and Reverse Repo Market of Turkey in which only commercial banks can transact. This chapter initially presents the network topologies of this market that helps one to understand the characteristics of complex network in this market. This chapter then computes a connectivity measure and investigates the drivers of connectivity out of domestic and external factors. Although results provide very rich insights, external factors dominate the behaviour of network in this market.

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5

Rinkus, Michael A. "An Exploratory Study Comparing Mid-sized U.S. Banks' and Global Banks' Sustainability Programs." Thesis, Lawrence Technological University, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3738368.

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This is an exploratory qualitative case study of the state of sustainability programs within a set of 12 mid-sized U.S. banks compared among themselves and then compared to a set of 12 global banks. This research was designed in two phases. Phase One presented the current state of sustainability within mid-sized U.S. banks and global banks based upon each bank’s public data as organized into three sections: a bank profile, major strategic initiatives, and bank sustainability initiatives and programs. Phase Two data were analyzed from 24 interviews with key executives within each bank. A structured interview format was used, and the interviews were conducted in-person, by phone, or via email depending on the respondent’s preference.

The research found that the majority of mid-sized U.S. banks had, from a regulatory view point, achieved the broader aspects of sustainability. Mid-sized U.S. banks had not seized the spirit of sustainability by organizing and communicating their efforts in the context of a voluntary formal reporting mechanism. Mid-sized banks generally relied on government compliance reports to communicate their efforts. By relying on compliance reporting, mid-sized U.S. banks are missing an opportunity to enhance their image and improve reputational and risk management efforts. It was found that the global banks demonstrated a willingness to embrace the spirit of sustainability past any regulatory requirements, but found their efforts were still in the process of integration within their many business units. It was also found that there is a need for one globally accepted reporting mechanism for sustainability performance. At present, there appear to be many competing requirements for reporting on sustainability efforts, which are beginning to tax internal departments of global banks in an effort to meet the information needs of all their stakeholders.

Using thematic analysis, five key contributions resulted: The first contribution is an understanding of the key components of mid-sized U.S. banks and global bank sustainability programs. The second contribution is identification of the motivators for mid-sized U.S. banks and global banks to establish a sustainability program. Third, a set of criteria was identified to help determine the success of a bank’s sustainability program that can be used by mid-sized U.S. banks and global banks (criteria for success). The fourth contribution is the presenting of the current state of sustainability programs for the set of banks used in the study. The fifth contribution is a set of guiding elements and impact benefits that can be used by any size bank executives to improve business results through implementation of a sustainability initiative.

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Cutcher, Leanne. "Banking on the customer customer relations, employment relations, and worker identity in the Australian retail banking industry /." Connect to full text, 2004. http://hdl.handle.net/2123/632.

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Thesis (Ph. D.)--University of Sydney, 2004.
Title from title screen (viewed 8 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Discipline of Work and Organisational Studies, School of Business, Faculty of Economics and Business. Includes bibliographical references. Also available in print form.

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Wu, Tong Caudill Steven B. "Is there a gap of banking efficiency between access and non-accession countries in central and eastern Europe." Auburn, Ala., 2006. http://repo.lib.auburn.edu/2006%20Summer/Theses/WU_TONG_10.pdf.

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Lee, Sai-kit. "The role of supervisory authorities in maintaining banking system stability in 1990's : a comparison between Hong Kong (Hong Kong Monetary Authority) and Japan (The Ministry of Finance) /." Hong Kong : University of Hong Kong, 1999. http://sunzi.lib.hku.hk/hkuto/record.jsp?B21240668.

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9

Lai, Pui-ming Amy. "Service quality in banking : a longitudinal study in Hong Kong /." Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B17982376.

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10

Schneider, Friedrich. "Regulating the banking sector /." Florence (Italie) : European University Institute, 1990. http://bibpurl.oclc.org/web/33280.

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11

Elmabrouk, Elmabrouk A. Ambarik. "Quality of banking services in Libyan banks." Thesis, University of Gloucestershire, 2011. http://eprints.glos.ac.uk/3285/.

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Against the background of growing competition in the global marketplace, understanding customers, is a significant aspect of marketing. In the search for competitive advantage, there is a need to measure service quality to better understand its antecedents and consequences, and establish methods for its improvement. In the Libyan economy, the banking sector is one of the most important. Its significance increased after the 2003 lifting of the United Nations sanction. This was followed by entry to the sector of a number of domestic and multinational firms. Despite this increased competition, domestic banks are still widely considered to suffer from low levels of service quality. The main purpose of this study is to evaluate the actual level of service quality provided by Libyan public commercial banks as perceived by their customers. A modified SERVQUAL model was developed to measure service quality in Libyan commercial public banks. The resulting instrument is intended to help these banks to measure their service quality and focus on the service quality dimensions of most importance to their customers. It also aimed to gain an understanding of cultural and environmental influences on service quality in the Libyan banking sector, and their effect on banking management practices. It is also expected that this instrument, and its results, will contribute to future research into service quality. The findings of the present study have produced some important results. Firstly, the level of service quality offered by the Libyan public commercial banks as it was perceived by their customers was relatively high. Secondly, the theoretical five-factor structure of the SERVQUAL model was not confirmed in the Libyan banking context, and the service quality structure in the Libyan context appears to be four-dimensional. Furthermore, the study offers suggestions to banking managers to allocate their resources more efficiently to the most important dimensions, i. e. reliability and tangibles, to improve service quality, since the factor analysis indicates that these are the most important dimensions to customers. Finally, reflections on the methods used to modify SERVQUAL to make it more sensitive to a particular cultural context have implications for future researchers in terms of methodology, method and data analysis.

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Bennasr, Nabil. "Islamic banks facing the conventional banking sector." Thesis, Université Côte d'Azur (ComUE), 2018. http://www.theses.fr/2018AZUR0004.

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Cette thèse analyse les conséquences de l’intégration d’un milieu bancaire conventionnel pour une banque islamique. Elle est composée de trois chapitres. Un premier traité de la conformité Sharia des banques islamiques. Cette conformité est assurée par un comité de supervision éthique. Nous détaillons le rôle et les tâches de ce comité de supervision éthique et montrons comment les contraintes réglementaires internationales ainsi que la pénurie éventuelle de personnels compétents pour alimenter ces sharia boards incitent la banque islamique à externaliser ce contrôle de conformité Sharia. En se proposant sur modèle théorique inspiré de Kornai, Maskin and Roland (2003), ce premier chapitre examine ainsi l'impact de l'externalisation de ce comité sur le business model de la banque islamique. Le deuxième chapitre est essentiellement empirique : nous comparons l'efficacité des deux modèles de banque, l’un internalisant (l’autre externalisant) le processus d’examen/ validation de la conformité Sharia. Pour procéder à cette étude empirique, nous examinons un échantillon d'une centaine de banques qui se divise en deux groupes de banques un premier qui externalise le contrôle de conformité Sharia et le deuxième l'internalise. Nous montrons que les banques sont plus efficaces lorsqu'elles externalisent ce processus de conformité. Finalement, un troisième chapitre traite la question de la création de liquidité au sein des deux banques, conventionnelle et islamique. Dans ce chapitre nous développons un modèle théorique inspiré de Diamond (2007) et nous comparons la création de liquidité de ces deux banques. Nous mettons en évidences les contraintes qui pèsent sur la banque islamique, elles se manifestent dans la structure du bilan des banques islamiques, un bilan qui présente un volume important d'actifs tangibles. On montre que la structure de ce bilan limite la possibilité pour les banques islamiques de concurrencer les banques conventionnelles et ainsi remet en cause leur capacité à intégrer un milieu bancaire conventionnel
This dissertation analyses the consequences of the integration of an Islamic bank into a conventional banking environment. The dissertation is composed of three chapters. The first examines the Islamic banks' compliance, which is ensured by a supervisory ethical committee. We examine the role and the tasks of this committee in detail, showing how international regulatory constraints, as well as a general lack of individuals with the required skills to sit on the Sharia boards, provide incentives for the Islamic bank to outsource the monitoring of Sharia compliance. Basing our study on a theoretical model, inspired by Kornai, Maskin and Roland (2003), this first chapter analyses how the outsourcing of this committee has an impact on the business model of the Islamic bank. The second chapter is largely empirical; we compare the effectiveness of two bank models, one in which the Sharia compliance validation process is internal, and one in which it is external. To test this empirical study, we analyze a sample of around 100 banks which are divided into two groups, one which outsources the Sharia compliance and monitoring and one which internalizes this process. We show that banks are more effective when they outsource the compliance monitoring process. Finally, the third chapter approaches the question of liquidity creation within two types of bank: Islamic and conventional. In this chapter, we develop a theoretical model inspired by Diamond (2007) and we compare the liquidity creation process in these two banks. We demonstrate the constraints that burden the Islamic bank, shown by the high volume of tangible assets in their balance sheets. We demonstrate that the structure of this balance sheet limits the possibilities for Islamic banks to compete with conventional banks, and thus brings into question their capacity to integrate a conventional banking environment

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13

Gardiner, Leslie J. (Leslie Jean) Carleton University Dissertation Management Studies. "The Organizational structure of transnational banks; a comparative analysis of global operations." Ottawa, 1988.

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14

Ahmad, Abu Umar Faruq. "Islamic banking in Bangladesh /." View thesis, 2002. http://library.uws.edu.au/adt-NUWS/public/adt-NUWS20030723.130611/index.html.

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Thesis (Master of Laws (Hons.)) -- University of Western Sydney, 2002.
"A thesis submitted in fulfillment of the requirement for the degree of Master of Laws (Honours)" Bibliography : leaves 215-221.

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15

Burton, Dawn. "Banks go to market." Thesis, Lancaster University, 1992. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.331964.

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Harahap, Sofyan Syafri. "The Central Bank and commercial bank control relationships in Indonesia : a field based case study /." Title page, contents and abstract only, 1999. http://web4.library.adelaide.edu.au/theses/09PH/09phh254.pdf.

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Enchzajaa, Culuunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitäts-Verlag, 2006. http://dx.doi.org/10.1007/978-3-8350-9007-1.

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Brägger, Beat. "Tax amnesties - Strategic options for European Private Banks." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/03604915002/$FILE/03604915002.pdf.

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Ėnchzajaa, Čuluunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitats-Verlag, 2006. https://www.lib.umn.edu/slog.phtml?url=http://www.myilibrary.com?id=134342.

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20

Hopkins, Deborah Ann. "Factors affecting adoption of automated teller machines, direct deposit of paychecks and partial direct deposit to savings where available." Connect to resource, 1986. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1214411921.

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Lam, Chun-cheung Otto. "A study of the origins, emergence and development of Western banking in China, 1770s-1866 /." View the Table of Contents & Abstract, 2007. http://sunzi.lib.hku.hk/hkuto/record/B38031012.

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Villalpando-Benitez, Mario. "The political economy of banking regulation : the case of Mexico, 1940-1978 /." Connect to web site, 1999. http://www.ohiolink.edu/etd/view.cgi?acc%5Fnum=osu973014578.

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Thesis (Ph. D.)--Ohio State University, 2000.
Advisor: Claudio Gonzalez-Vega, Dept. of Agricultural, Environmental, and Development Economics. Includes bibliographical references (leaves 114-120). Available online via OhioLINK's ETD Center.

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Li, Jing. "Accounting conservatism and its implication on valuation in commercial banks /." View abstract or full-text, 2004. http://library.ust.hk/cgi/db/thesis.pl?ACCT%202004%20LI.

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Thesis (M. Phil.)--Hong Kong University of Science and Technology, 2004.
Includes bibliographical references (leaves 37-38). Also available in electronic version. Access restricted to campus users.

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Hägg, Gustav, Niklas Jonsson, and Josefine Björk. "Entry Modes - A banking perspective." Thesis, Halmstad University, School of Business and Engineering (SET), 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-1787.

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In the European Union the borders are being wiped out and this is creating new business markets for companies that before never had dreamt of going international. Today we see it as natural that companies act world-wide to gain success and increase the growth and profit. They need to do this to be competitive on the ever changing market that we have nowadays. One of the most important things to have in mind when thinking of expanding to other countries is which entry mode to choose. There are several ways of entering a market and if you do it right you might be very successful, but if you do not spend time on this decision the internationalization process can become very short and the company can lose a lot of capital. With this thesis we want to investigate how two large Scandinavian banks made their presence into the Baltic market in the mid 90’s, which kind of entry modes they went for and if one of them made a wiser choice than the other. In the thesis we have also gone in to the factors that have been of high importance when making the decision on why they chose the Baltic market and also which kind of entry mode. Our main findings after having made this thesis is that it was the profit and growth potential that was the main driving force for establishing on the Baltic market, but also the short distance and the low costs of going in on the market. The choice of entry mode differs between the two banks and that was expected since they have different strategies when going international. And even the know-how of the market in question and resources of the company have been important factors.

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Chan, Tin-hang. "Electronic banking in Hong Kong /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19876403.

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Gandhi, Alka. "Antebellum banking regulation a comparative approach /." Connect to this title online, 2003. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1054733779.

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Thesis (Ph. D.)--Ohio State University, 2003.
Title from first page of PDF file. Document formatted into pages; contains xii, 121 p.; also includes graphics Includes bibliographical references (p. 117-121). Available online via OhioLINK's ETD Center

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Wang, Dan. "Three essays on bank technology, cost structure, and performance." Diss., Online access via UMI:, 2007.

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28

Jeong, Woocheon. "Three essays on the relationship between the banking sector, the real sector, and the political environment." Morgantown, W. Va. : [West Virginia University Libraries], 1999. http://etd.wvu.edu/templates/showETD.cfm?recnum=416.

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Thesis (Ph. D.)--West Virginia University, 1999.
Title from document title page. Document formatted into pages; contains x, 91 p. : ill. Vita. Includes abstract. Includes bibliographical references.

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Leung, Wai-kwan Lucia. "Hong Kong's banking crisis in 1991." [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13278800.

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30

Huehn, M. P., and C. Kalhoefer. "Modernisation of Egypt’s banking system through foreign banks." Thesis, Українська академія банківської справи Національного банку України, 2007. http://essuir.sumdu.edu.ua/handle/123456789/60436.

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The Egyptian economy is growing strongly. How much exactly, is – like the inflation figures – not quite clear. Different sources cite growth rates for the past two years between 5 % and 6 %. In such a fast growing economy one should expect a healthy banking system with good availability of credits, low default rates, the usual range of financing instruments and central bank rates acting as the interest benchmark. The reality, however, is quite different. The IMF gauges the availability of financing as low, as for example indicated by a sharp decrease of the ratio between loans to customers and assets; the default rates are still quite high (the government had to offload the massive 44 % share of non-performing loans (NPL) of Bank of Alexandria, before it could be sold to San Paolo IMI); private loan practices are sometimes bizarre (to get an overdraft facility customers have to deposit the equivalent amount in their account, despite a massive building boom there are almost no mortgage loans), while the corporate bond market is almost non-existent and a derivatives market still does not exist; and the private banks “are not necessarily responsive to central bank interest rate policies” as EFG Hermes analyst Reham el-Desoki delicately puts it. All this hints at major problems in the banking sector which necessarily have a negative impact on economic growth, inflation and the effectiveness of the central bank.

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Von, Eldik Deborah Sijlmans. "In pursuit of a competitive position in global private banking in the Asia Pacific region." Thesis, [Hong Kong : University of Hong Kong], 1988. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13263249.

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Tam, Pui-sun. "The Bank of China Group in Hong Kong : its changing role and future direction /." Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B15967463.

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Alwaddan, Abubaker. "Banking reforms and banking efficiency in Libyan commercial banks : a non-parametric approach." Thesis, Northumbria University, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.416066.

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Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.

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Bart-Williams, Edem. "Determinants of internet banking adoption by banks in Ghana." Thesis, Nelson Mandela Metropolitan University, 2015. http://hdl.handle.net/10948/3715.

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Growth in information and communication technology (ICT) is drastically changing the way businesses, especially in the service industries, are conducted. The financial services industry and banking in particular, is not excluded from this technology explosion. Internet banking, even though not new in advanced countries, is a new transaction channel being used by banks in some parts of Africa, especially Ghana, to offer various products and services to their customers. However, this medium has not been fully exploited by these banks as there are many hurdles the banks must triumph over. In deploying this technology and these systems, there are several factors which banks must take into consideration before fully deploying such a system to their customers, hence the motivation for this study. The absence of suitable and sufficient knowledge on this topic also exposes a “rhetoric versus reality” argument of whether the intention to adopt Internet banking is critical to the strategies and ultimate success of banks in Ghana. For banks to stay ahead of competition as well as to attract and maintain their clientele, it is of paramount importance to gather and link the perspectives of both clients and bank managers in order for banks to ensure that they perform according to the needs and expectations of their clients. In order to achieve the intended results, an empirical study was conducted by taking into consideration the viewpoints of both bank clients and bank managers in determining the factors that customers take into consideration before adopting the Internet banking medium. The primary aim of this study was to quantify significant relationships between the selected variables. Therefore the positivism research paradigm was used, while the phenomenological paradigm was employed for the measuring instruments. Because multiple sources of data were used, from the perspectives of banking clients and managers in Ghana, methodological triangulation was adopted for this study. The results of the empirical investigation showed that both groups (clients and managers) considered the variables of market share, technology acceptance, diffusion of innovation, organisational variables, organisational efficiency, and business strategy to have direct influence on the adoption of Internet banking. However, they differed in opinion concerning the degree of influence of these variables. The bank managers’ responses leaned more towards strong agreement with the importance of these variables than did those of the bank clients. Thus, for bank clients to readily adopt the Internet banking medium for their banking transactions, bank managers must take a closer look at these determinant factors described in the study. The study showed that the population group, educational and income levels exerted an influence on the perceptions clients have regarding Internet banking adoption factors. It was found that the higher the education and income levels of the clients, the easier it was for them to adopt Internet banking. Also, the male group dominated the use of the Internet banking. This is supported by the fact that there is a growing middle class in Ghana that falls within this category of banking clients.

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Mohra, Majid. "Service delivery process in the retail banking industry." Thesis, University of Nottingham, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.288973.

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El-Ansary, Osama. "Modelling the operations of Egyptian joint venture banks." Thesis, University of Edinburgh, 1985. http://hdl.handle.net/1842/23875.

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Muljawan, Dadang. "An analysis of capital regulation for Islamic banks." Thesis, Loughborough University, 2002. https://dspace.lboro.ac.uk/2134/6803.

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This thesis makes a theoretical contribution to the design of the capital adequacy assessment framework for Islamic banks. The proposed capital regulation is aimed at enhancing the Islamic banks' operational sustainability. The first analytical section in the thesis discusses the nature of sharing contracts. The analysis helps to explain the current reluctance to use sharing contracts by the players in the Islamic banking system. Each individual will always try to optimise his utility, monetarily as well as religiously, as a form of compliance with religious rules. However, in an adverse condition, religious and risk-averse customers will compromise the two utility objectives (i.e. adopting hybrid types of contract that, to some extent, deliver his minimum required financial return besides also complying with religious norms). The second analytical section in the thesis discusses possible improvements to the capital regulation of Islamic banks. This includes the possibility of enhancing the fiduciary as well as the agency roles performed by the Islamic banks. The analysis produces a number of propositions. The first proposition is to require the banks to have prudent assets-liabilities (capital) structures and to have adequate financial cushions. The second proposition is to require the shareholders of Islamic banks to observe a minimum level of financial participation; and to require the banks to disclose crucial financial information to investors. Theoretically, the higher the level of financial participation and the higher the quality of information provided, the better the quality of the contract entered into by the banks and 'their customers. The last part of the discussion, embracing empirical analysis, shows the important role played by capital in absorbing temporary financial shocks (especially when debt-based deposits are dominant). The discussion also covers the possibility of using statistical techniques for assessing the soundness of Islamic banks' operational activities.

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Wong, Tak-chuen, and 黃德存. "Banking procyclicality: cross country evidence." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2012. http://hub.hku.hk/bib/B47869537.

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The stylized fact of co-movement of lending and economic activity has been widely interpreted as evidence of a destabilizing feedback mechanism between the banking and real sectors, suggesting the special role of credit supply in amplifying financial and macroeconomic instability. Indeed, this “procyclicality” view significantly influences bank regulations internationally. Under the Basel III, the countercyclical capital buffer is exclusively designed to dampen the volatility of credit supply over the business cycle. The strong co-movement of lending and economic activity, however, is insufficient to confirm the existence of the procyclicality, given that both demand and supply of loans decline during economic downturns. If loan supply does not play a causal role, then any measure to strengthen lending capacity of banks would be ineffective in addressing this procyclicality issue. The literature, however, provides limited, otherwise inexistent, cross-country evidence to answer these fundamental questions. This research gap calls into question the sufficiency of international evidence to assess the effectiveness of the new capital measure, and more broadly, the regulatory reform. This cross-country econometric study covering 39 economies for the period 1990– 2009 examines these fundamental issues in detail. There are three main findings and policy implications. For banking stability, a significant procyclical pattern of loan supply exists, and such pattern is negatively associated with bank capital. These findings together support the view that the countercyclical capital buffers of Basel III could be effective tools for dampening loan volatility over the business cycle. For the regulatory reform, there is prevalent evidence that capital and liquidity are determinants of loan supply. This finding bears out the main Basel III argument that stronger capital and liquidity could strengthen the resilience of the global banking sector to macroeconomic shocks. For macroeconomic stability, empirical findings suggest a moderate macroeconomic effect of loan supply, particularly for developed economies. However, the finding does not imply a small impact of banking instability on the real sector. In fact, banking crises are estimated to have a larger independent negative effect on economic growth after controlling for the macroeconomic effect through impacts of banking crises on loan supply. There are two main policy implications of these findings. First, the main channel through which stronger capital and liquidity of banks help reduce macroeconomic instability would have an impact on reducing the likelihood of the occurrence of a banking crisis. Second, during non-crisis periods, bank regulations aiming at smoothing loan supply may have a relatively moderate impact on reducing macroeconomic instability. For policy to address banking procyclicality, the results show that aside from higher quantitative capital and liquidity requirements, more stringent definitions of capital could dampen loan supply procyclicality, which speaks in favor of recent policy initiatives to strengthen the quality of regulatory capital. More stringent bank regulations are also found to reduce loan supply procyclicality in countries with deposit insurance schemes. To reduce the propagations of loan supply shocks to the real sector, policy to improve the breadth of the stock market and the size of the domestic bond market would be useful.
published_or_final_version
Economics and Finance
Doctoral
Doctor of Philosophy

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Leung, Kin-pang. "Banking system in China performance and challenges /." Click to view the E-thesis via HKUTO, 2004. http://sunzi.lib.hku.hk/hkuto/record/B31954583.

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41

陳家華 and Kar-wah Chan. "Product costing and performance measurement in banking." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1986. http://hub.hku.hk/bib/B31263537.

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Sin, Man-kwong Wallace. "How regulatory environment affects China banking development /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19873645.

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Chan, Kar-wah. "Product costing and performance measurement in banking /." [Hong Kong : University of Hong Kong], 1986. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1232517X.

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Abburi, Sridhar, and Ramakrishnan Chinnappan. "COLLABORATION IN BANKING INFORMATION SYSTEMS : INVESTIGATING THE FUTURE OF BANKING SYSTEMS IN INDIA." Thesis, Högskolan i Borås, Institutionen Handels- och IT-högskolan, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-17062.

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Banking systems in India is quite popular and it needs some more changes to reach all the customers. Lack of the service is main problem in Indian baking system. If the common person wants to open the account, it take’s little bit high cost and banks are not near the people location. Due to the Lack of service, people do not want to be a customer of the bank. In the research trying to find the solutions for some of the problems to maintain a banking account, we want to provide the maximum time of service in banking systems and to find the better solution for the common persons to use the banking systems. The research idea Collaboration banking information systems are designed to combine all the account information into a system, to provide a better solution for the customer, and to solve all the internal problems in the banking systems. From this new concept we could establish the bank in each and every village, So that we could reach all the customers by providing them a good quality service and exceeding their expectations. The Collaboration systems are less time consuming and it reduces the burden of both the customers and bank employees. Some banks failed due to the lack of customers and the over burden of interest charged by the government.The research idea is to share all the account details from all the banks into a system that is known as collaboration banking information systems. The collaboration banking systems are entirely different and it reduces the cost maintenance of the Indian banking systems.
Program: Magisterutbildning i informatik

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Chan, Tin-hang, and 陳天行. "Electronic banking in Hong Kong." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31268572.

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Dinh, Lien Thi. "Foreign Banks in Vietnam : Performance and Impact on Domestic Banks." Thesis, Griffith University, 2015. http://hdl.handle.net/10072/365821.

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The banking industry occupies a special role in Vietnam’s economy, as it is the most important financial channel, with both the bond and share markets remaining relatively under-developed. To enable and accommodate continued rapid growth in the general economy, the banking industry needs to be modernised and upgraded, and foreign banks can potentially play an important role in that process. This study seeks to enhance knowledge of the performance of foreign banks in Vietnam and to assess their impact on local banks. Specifically, this study focuses on three key research questions: (1) what are the main drivers of foreign and domestic bank performance in Vietnam? (2) does the presence of foreign banks help or hurt domestic banks? (3) does the impact of foreign banks depend on their origin and/or entry form? In order to address these questions, the study employs two main research methods, namely: (a) analytical review and synthesis; and (b) econometric estimation. The latter involves four panel-data estimation techniques (including panel ordinary least squares, fixed effects, random effects, and general method of moments), as well as the use of a set of reasonably consistent data for the 20-year period 1992-2011 that have been compiled from various sources. Where appropriate, analytical review and synthesis is applied to help create a consistent overall picture of the system. These are not trivial exercises, given the highly fragmented nature of the data that are available in the public domain.
Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Business School
Griffith Business School
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Laviziano, Angiolo. "Benchmarking of the commercial banking system in PR China." Thesis, Hong Kong : University of Hong Kong, 1999. http://sunzi.lib.hku.hk/hkuto/record.jsp?B21254059.

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Lee, Siu-fung Stephen. "Strategic analysis of retail banking business in Hong Kong /." Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B17095281.

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Mathieu, Julien P. "Universal banking in the United States : benefits and risks." Thesis, McGill University, 2003. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=80940.

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The worldwide financial services industry has undergone in the past two decades an unprecedented wave of consolidation within and across its three main sub-sectors: banking, securities activities and insurance. Today's observers assert that in ten years, most of the financial sector will be controlled by a small group of huge diversified banks. By enacting the Gramm-Leach-Bliley Act in 1999, Congress repealed the depression-era "Glass-Steagall" Act of 1933 and thereby officially removed the longstanding legal barriers that insulated banks from securities firms and insurance companies. As promoters of financial convergence have long been claiming that the introduction of universal banks in the United States would produce numerous benefits for themselves, but also for the economy and for their customers, these predictions can be assessed today in the light of empirical analysis. Now that "financial supermarkets" are totally legal in the United States, it is essential to assess whether they are economically and morally viable.

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Cheng, Ka-yee. "The retail distribution strategy for Hongkong Bank /." [Hong Kong : University of Hong Kong], 1993. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13497960.

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Dissertations / Theses on the topic 'Banks and banking – India'

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