To see the other types of publications on this topic, follow the link: Commercial bank.
Dissertations / Theses on the topic 'Commercial bank'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 dissertations / theses for your research on the topic 'Commercial bank.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse dissertations / theses on a wide variety of disciplines and organise your bibliography correctly.
1
Anwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia." Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
Full textAbstract:
Indonesia is one of the emerging economies, which has been adopting a bank-based system in the economy. It is very important to investigate the Indonesian commercial banks’ performance given their substantial contribution to the development of the country. This thesis aims to measure and analyse the performance of Indonesian banks in terms of their efficiency and lending propensity over the period 2002-2010. The period testifies the recovery phase after the turmoil caused by the Asian Financial Crisis of 1997-98 as well as the revocation of the regulation of minimum threshold on commercial banks’ small business loans (finance) in 2001. This thesis employs frontier methods in estimating bank efficiency where both parametric and non-parametric linear programming approaches are used, namely Data Envelopment Analysis (DEA) and Stochastic Frontier Analysis (SFA). The former is used to estimate the technical efficiencies and the latter is used to estimate the cost efficiencies of Indonesian banks over the period 2002-2010. This thesis also examines the lending propensity of Indonesian banks reflected by the tendency of their total loans and small business loans over the study period. The findings suggest that the technical efficiency of Indonesian banks tends to decrease whilst the opposite tendency is associated with their cost efficiency during the period. The downward trend of their technical efficiency stems from the fact that the period was the post-crisis of 1997-98 where banks were still unsteady to maintain high level of outputs over inputs. While the upward trend of their cost efficiency reflects their intensity to operate more economically in employing their resources during the period. The latter result testifies that Indonesian bank management took lessons learnt from the failure of their previous operations during the crisis. In addition, their total lending propensity is prone to increase over time during the period albeit they have not reached yet the optimum proportions. In contrast, their lending propensity to small businesses witnessed a diminishing pattern over the period. A regulatory change in 2001 seems to discourage Indonesian banks to lend to small businesses. Loans to deposits or lending proportions emerges to be the most important factor enhancing bank efficiency, whilst bank size and bank deposits are the foremost factors influencing the lending propensity of Indonesian banks over the study period.
2
Jiang, Chunxia. "Analysis of bank efficiency of Chinese commercial banks and the effects of institutional changes on bank efficiency." Thesis, Middlesex University, 2008. http://eprints.mdx.ac.uk/8108/.
Full textAbstract:
This study contributes to the well-established efficiency literature with respect to transition economies and developing counties. Although bank efficiency has been a popular research area in both developed countries and less developed nations, it has been scarce in China mainly due to the lack of data. This study is considered as the first study that comprehensively investigates bank performance using multiple methodologies of financial ratio analysis and stochastic frontier analysis for the period of 1995-2005. The effects of a variety of governance changes have also been differentiated in order to providing policy recommendations for the on-going banking reform. Meanwhile, this study has addressed a number of methodological issues and has developed a more comprehensive stochastic distance function model by combining advantages of existing models, approaches, methods and procedures. Having experienced fundamental banking reforms for more than a quarter of century, the Chinese banking System has stridden towards a modem banking System with significant improvements in profitability, capitalization, and assets quality. Despite of these observed improvements, the banking system is still associated with relatively low profitability and capitalization, poor asset quality, and less liquidity, when benchmarking to 7 selected international renowned banks. One of the most impressive progresses has been the significant decrease in both outstanding NPLs balance and NPL ratio. However, it has noticed that the threat of NPLs problem to the economy as a whole remains unsolved. This study has rationalized economic foundations for the banking reform in China being the principal-agent theory and the budgetary constraint theory. The performance of Chinese banks has been improved and the estimated effîciency level is consistently at 75% in terms of technical efficiency, cost efficiency and profit efficiency. Employing the method of Berger et al. (2005), this study has jointly analyzed the static, selection and dynamic effects of governance changes. Joint-stock ownership has resulted in outstanding performance, while state ownership has been associated with low technical efficiency and profit efficiency but high cost efficiency. Foreign banks are more profit efficient but less cost and technical efficient (static effects). Foreign investors have rationally made their investment decisions by selecting more cost and technical efficient domestic banks, while less profitable domestic banks have been chosen for going public in line with government intension of reforming the unprofitable SOCBs (selection effects). Attracting foreign strategic investors and encouraging banks going public are two major partial privatization strategies, which have been generally proved as effective reform measures. The former tends to have positive impacts on technical efficiency and cost efficiency, while significant short-term gains in profit efficiency have faded in the long-term. The expected profit advantage of foreign ownership seems to take an even longer time to be realized. Going public strategy has resulted in performance improvement in the long-term after short-term losses (dynamic effects). We can not form a conclusion on whether the reform has succeeded, while what we can conclude is the reform is on the track with right direction. It is important to construct good corporate governance, but it is more important to ensure the good governance functioning. If those deep-rooted problems, such as government intervention and NPL problem, can not be dealt with properly in the near future, the chance of success is very small. Thus, our policy recommendations include consolidating up-to-date reform achievements, improving bank's managerial and operational skills, and reducing state's share in banks to lessen government interventions. Estimated efficiency is found to be sensitive to the differences in the definitions of outputs and inputs, especially in the presence of high level of NPLs. The income-based model is superior to the earning assets-based model in the estimation of technical efficiency. Similarly, profit efficiency appears to be more appropriate performance measures over cost efficiency. However, we suggest the use of multiple models and measures to reveal more valuable information. Moreover, in estimating cost function and alternative profit function, market average input prices are found to be more appropriate than banks' specific input prices.
3
Mawocha, Tineyi Emmanuel. "The disintermediation of commercial banks by non-bank financial institutions in Swaziland." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/985.
Full textAbstract:
Thesis (MDF (Development Finance))--University of Stellenbosch, 2009.ENGLISH ABSTRACT: This research is influenced by and starts from the work carried out by the IMF in Swaziland, wherein they comment about the significant growth in the use of savings and credit co-operatives compared with that of commercial banks. They also report the lack of growth of the financial sector resulting in sluggish economic growth. This report sets out to establish through a survey, the attitude of the Swazi public towards commercial banks, and to establish if indeed there is a deliberate move away from commercial banks to non-bank financial institutions in general. In the process the reasons for migrating from commercial banks are established. In addition, the ultimate use of funds borrowed in general, is also investigated. Specifically for those people who use non-bank financial institutions (NBFIs), the research further probes the uses of such funds, and whether or not such funds are likely to affect economic growth. The survey is augmented by results from questionnaires responded to by selected microfinance institutions (MFIs) as a means of cross-checking and validating results obtained from the public survey. Findings are that in Swaziland, while the growth of savings and credit co-operatives (SACCOs) is acknowledged, there does appear to be a tendency to still use commercial banks by the economically active population. Borrowing tends to be for school fees, followed by the purchase of building materials for constructing rural homes on ancestral land, as well as for personal use and business activities. It also appears that the majority of users of financial intermediaries are civil servants, which comes as no surprise as government is the largest employer. The conclusion is that Swaziland’s problems with sluggish economic growth appear to be from more than a shallow financial sector, but a myriad of other reasons that have not been explored in this study.
AFRIKAANSE OPSOMMING: Die navorsing is gebaseer op die uitkoms van die werk uitgevoer deur die Internasionale Monetêre Fonds (IMF) as vertrekpunt, waarin hulle meer beduidende groei in die gebruik van spaar en krediet-kooperatiewe gevind het in vergelyking met die trae groei in die gebruik van kommersiële banke. In dieselfde verslag haal hulle ook aan dat die gebrek aan voldoende groei in die finansiële sektor onderliggend is aan die stadige ekonomiese groei. Hierdie verslag bepaal deur middel van ‘n opname, die gesindheid van die Swazi-publiek teenoor kommersiële banke om vas te stel of daar ‘n opsetlike voorkeur vir nie-finansiële instellings is, bo kommersiële banke. Die studie ondersoek ook die spesifieke gebruik en toepassing van fondse verkry vanaf nie-finansiële kooperatiewe en of die gebruik daarvan ‘n negatiewe impak op ekonomiese groei het. Die uitkoms van hierdie ondersoek word bevestig deur die bevindinge van vraelyste wat deur geselekteerde mikro-finansiële instellings voltooi is, te vergelyk met die bevindinge van publieke opnames. Die bevindinge vir Swaziland is dat alhoewel daar groei is in die spaar-en krediet-kooperatiewe, daar steeds ‘n tendens onder die ekonomies aktiewe populasie is om gebruik te maak van kommersiële banke. Lenings word hoofsaaklik gebruik vir die befondsing van skoolgelde, daarnaas vir die aankoop van boumateriaal vir die konstruksie van landelike huise in voorvaderlike gebiede wat deur stamleiers toegeken word, sowel as vir persoonlike gebruik en besigheidsfinansiering. Dit wil ook voorkom asof die meerderheid van die leners staatsamptenare is. Dit is te verwagte, aangesien die regering die grootste werkgewer is. Die gevolgtrekking van die ondersoek is dat Swaziland se trae ekonomiese groei meer onderliggende beperkende oorsake het as bloot net die oppervlakkige uitwerking van die (kommersiële) finansiële sektor. Hierdie onderliggende redes word nie verder ondersoek as deel van hierdie studie nie.
4
Morton, Kenneth. "Exploring Bank Managers' Strategies for Developing Millennials for Leadership Roles in Commercial Banks." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2416.
Full textAbstract:
Understanding strategies to prepare Millennials for leadership roles in commercial banks is critical to ensure organizational stability and success and to avoid knowledge gaps and leadership deficiencies created by large numbers of retiring Baby Boomers. Guided by learning network theory and generational theory, the purpose of this multiple case study was to explore the strategies that 3 bank managers in North Carolina and South Carolina used to prepare Millennials for leadership. These 3 bank managers had a minimum of 2 years of experience leading teams of employees which included Millennials. The study included semistructured interviews to elicit detailed narratives from the bank managers on their experiences in preparing Millennials for leadership roles. Additional data included a review of public and private documents containing developmental activities and leadership program details used with Millennials. All data were analyzed and coded to identify recurring themes. Methodological triangulation was used to identify 5 key strategies used by managers to help prepare Millennials for leadership including structured development processes, generational alignment and engagement, coaching and mentoring, leveraging technology, and communications. Bank managers could use these findings to implement successful strategies to help Millennials prepare for leadership roles. Doing so promotes positive social change by identifying these strategies for bank managers to prepare key talent for leadership roles within organizations.
5
Safa, Mohammad Faisal As. "Essays on Commercial Bank Risk, Regulation and Governance." ScholarWorks@UNO, 2013. http://scholarworks.uno.edu/td/1703.
Full textAbstract:
I analyze the effect of various risks faced by commercial banks on the executive compensation in banking industry. Commercial bank executives are risk averse due to the regulatory pressure in addition to board governance mechanism. Commercial banks face various risks because of the regulatory mechanism and unique asset structure of the firm. So, it is expected that they should associate their own pay and pay-performance sensitivities (PPS) with the risks their banks face.
I find that bank executives associate their performance based pay with both idiosyncratic risk and systematic risk. But they associate their fixed pay only with systematic risk. The risk based PPS is also affected by the idiosyncratic risk but not by the systematic risk. Both asset return risk and insolvency risk have significant positive effect on PPS.
Bank executives put significantly higher emphasis on the fixed compensation in terms of salary and bonus, and significantly lower emphasis on the performance based compensation. They also put minimum emphasis on the risk based PPS although they put significant emphasis on return based PPS. These indicate the risk-averse nature of the bank executives due to the regulatory pressure in addition to board governance mechanism.
6
Fei, Yue. "Women managers' careers in a Chinese commercial bank." Thesis, University of Leicester, 2017. http://hdl.handle.net/2381/39667.
Full textAbstract:
China’s rapid economic growth since 1978 has made the country an important place to examine. This growth, though raising 800 million people out of poverty, has also created challenges for the state, one of which is how to integrate China into the global economy, and how to create understanding between distinct business practices. Increasing trade between China and the rest of the world has made it necessary to understand different cultural business practices to avoid conflict and misunderstandings. Another challenge for China is the increasing economic independence of women, which has resulted in the need to address gender inequality in the workplace in terms of women’s experience in their careers. This is a micro-ethnographic study of a Chinese bank in a medium sized city on the east coast of China, and I collected the data between July to September 2012. This includes over 492 hours of observation in the working practices of the bank, examination of 164 documents, and interviews with 51 managerial employees. The study focuses specifically on woman managers in the bank, and examines how they made their decision to work in banking, how their career developed and how they understand gender equality in the bank. It also examines whether they experience discrimination because of their gender, in what is usually regarded as a male dominated career. The study found that the women managers negotiate their gender positions moving between the established feminine and masculine characteristics in their role as managers depending on the context. However more relevant to the female managers is the cultural context of working in a Chinese bank. Guanxi was a prominent feature in this study; this was in terms of recruitment, promotion, discrimination and job allocation. The study argues that guanxi has adapted to the political, social and economic development of China, but continues to be essential for understanding Chinese culture and gender relations in the bank, which would be relevant in other industries in China. The implication is that to work with Chinese companies, other countries need to have a deeper understanding of how guanxi operates if they are able to successfully operate in a Chinese context. Furthermore, this study also postulates that traditional Chinese cultural values promote informal flexible work for women, protect their career progress during their maternity leave, encourage cooperation at work, and encourage commitment to the bank. This study contributes to the discussion on Chinese women’s career in management and argues that categories such as collectivism, individualism, feminism, and masculinity are too narrow for the complexity of the modern Chinese professional woman.
7
Frizell, Julie Dolan. "The Causes and Effects of Commercial Bank Participation in the Federal Home Loan Bank System." Diss., Virginia Tech, 2002. http://hdl.handle.net/10919/29347.
Full textAbstract:
The 1990s saw significant increases in commercial bank membership in the Federal Home Loan Bank (FHLB) System and extensive growths in FHLB assets and outstanding advances. Since FHLB policies may enable risk-taking behavior by the System's member institutions, this research evaluates the impact of the FHLBs on community bank members, local consumers, and local markets.
Results suggest that commercial bank liquidity is enhanced by and managed with the use of System advances, and investments in loans and mortgage-related assets increase with FHLB participation, particularly by small bank members. Credit quality and bank financial conditions improve after participating in the FHLB program, and cost savings from borrowing System funds may contribute to higher rates paid on deposits in local markets. However, banks with greater exposure to interest rate risk are more likely to become FHLB members, and interest rate risk exposure further increases after membership attainment, as the amount of advances borrowed increases, and the longer members remain in the FHLB program. Long-term advances have not been used to lengthen liability duration to offset growth in long-term asset investments, which makes the FHLB System more highly susceptible to rising rates.Ph. D.
8
Li, Yancan. "The Effects of Ownership on Bank Performance: A Study of Commercial Banks in China." Scholarship @ Claremont, 2012. http://scholarship.claremont.edu/cmc_theses/515.
Full textAbstract:
Many Chinese commercial banks have experienced ownership transitions during the past decade, along with significant improvements in performance. In order to examine the effect of ownership on bank performance, an empirical study of Chinese commercial banks is performed. A dataset covering 16 Chinese commercial banks over the period of 2002 — 2011 is tested using linear regression model and principle component analysis. It is found that being a Joint-Stock Commercial Bank has a positive effect on earnings per share (EPS), and being a City Commercial Bank increases return on assets (ROA). On the contrary, operating as a Stated-Owned Commercial Bank affects both EPS and ROA negatively. The empirical results also indicate that undergoing initial public offering on the Hong Kong Stock Exchange helps a bank to improve performance, while the listing in Mainland China does not.
9
Turton, WE. "The centralisation of administration in commercial relationship banking." Thesis, Cape Technikon, 2001. http://hdl.handle.net/20.500.11838/960.
Full textAbstract:
Thesis (MTech(Business Administration)--Cape Technikon, Cape Town, 2001During the last decade, commercial banking competition has intensified for a variety of reasons. With shareholders requirements to satisfY and, at the same time to provide ''value for money" to i!s clients, banks restructured themselves to serve niche market segments, increase critical mass by growing volume business or a combination of both. With the change in political dispensation, the urgency for banks to evolve intensified for the following prime reasons: I. The increased number offoreign banks ~ntering the South African market and cherry-picking the commercial banks' best clients and employees. This was facilitated by the foreign banks low cost of entry and low overhead cost structure coupled with cheaper availability of offshore funding for South African businesses. 2. Increased emigration rates reducin6 the availability ofskilled and trained bank employees. 3. The stagnation ofthe economic emironment resulting in low organic growth of the business client base from the traditional white o\\ned segment. 4. The largely neglected black business segment which became politically. if not economically. attractive to the local banks. Against this background. commercial ban:,s strategies changed involving restructuring the internal organisation to refocus the banking industr.. efforts in achieving its profit objectives. satisfYing and keeping its clients and attracting new clients. primarily, from the local competitor banks.
10
Dunn, Jessica. "Golden Handshakes at Commercial Banks." OpenSIUC, 2013. https://opensiuc.lib.siu.edu/dissertations/671.
Full textAbstract:
Compensation systems are designed by boards of directors to encourage manager performance. Severance packages are intended to provide insurance for the CEO's human value. Frequently, however, severance packages are increased upon termination by boards of directors at will. These non-contractual severance payments are called discretionary severance pay. This study investigates discretionary severance pay at financial institutions surrounding the financial crisis. Financial institutions are of particular interest as they faced unique regulations limiting the amount of severance payable to departing CEOs. There is evidence that the boards of directors engaged in regulatory arbitrage by increasing payments for the consulting and non-compete component of severance pay and decreasing payments for other components of discretionary severance pay.
11
Yokomaku, Katsunori. "The pursuit of sustainability by a global commercial bank." Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/59154.
Full textAbstract:
Thesis (M.B.A.)--Massachusetts Institute of Technology, Sloan School of Management, 2010.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 112-119).
"What is Corporate Social Responsibility?" "How can it be achieved?" These questions have been central themes in business management for the last decade. In particular, protecting the global environment is now recognized as common wisdom throughout the world. In fact, many companies worldwide have initiated steps to challenge environmental issues, and various methods have been developed to measure the impact. It must be said, however, that most companies have not directed their attentions to economic and social issues, such as human rights and poverty, on which companies can exert enormous influence. This thesis examines the next courses of action for the commercial banking industry in its efforts to pursue global sustainability. Already commercial banks have as their primary mission to circulate money in a global society. In this thesis, I explore a revolution in global banking in terms of habits of thought and action, and habitual artifacts. First, I address current discussions among international organizations about global sustainability, including the serious impacts stemming from the current world financial crisis, and the policies and activities of commercial banks. Second, I research recent examples of multinational companies and NGOs that are striving to understand and mitigate the negative impacts to society. Finally, I explore how to design a global commercial banking system that helps commercial banks achieve their goal of sustainability.
by Katsunori Yokomaku.
M.B.A.
12
Li, Hui. "The wealth effects of commercial bank securities issuances announcement." Thesis, University of Glasgow, 2016. http://theses.gla.ac.uk/7846/.
Full textAbstract:
Banks are often excluded in corporate finance research mainly because of the regulatory concerns. Compares to non-bank firms, banks are heavily regulated due to its special economic role of money and the uncertainty. Heavy regulation on banks could reduce the information asymmetry between the managers and investor by limiting the behaviour of banks at the time of the Seasoned Equity Offering (SEO), and by increasing the incentive for banks to avoid excessive risk-taking. Therefore, the market may be less likely to assume that bank issued securities signal information that the bank is overvalued compared to their non-bank counterparts. The objective of this thesis is therefore to examine commercial banks issued securities announcement effect. Three interrelated research questions are addressed in this thesis: 1) What is the difference in convertible bond announcement effect between banks and non-banks firm? 2) What is the difference in SEO announcement effect between banks and non-banks? 3) How do the stringency levels of bank regulation impact on the announcement effects of bank issued SEO? By using the U.S. convertible bond and SEO data from 1982 to 2012, I find that the bank issued a convertible bond and SEO announcement experience higher cumulative abnormal return than non-bank. This is consistent with the view that bank regulation reveals positive information about banks. Since banks are heavily regulated, the market is less likely to assume that the issuance of the convertible bond and SEO by banks signals information that is overvalued. These results are robust after controlling for a number of firm-, issue-, and market-specific characteristics. These results are robust by considering the different categories of non-bank industries by undertaking tests in relation to the differences in the CARS upon convertible bond/ SEO across industries, as well as the unbalanced sample between banks and non-banks by using the matched sample analysis. However, the relation between the stringency level of bank regulation and bank issued securities announcement effect may be nonlinear. As hypothesised, I find that bank regulation has an inverted U-shaped relation with the announcement effect of bank SEO by using the SEO data across 21 countries from 2001 to 2012. Under a less bank regulation environment, the market reacts more positively to the bank SEO announcement for an increase in the level of bank regulation. However, the bank SEO announcement effects become more negative if the bank regulation becomes too stringent. This inverted U-shaped relationship is robust after I use the exogenous cross-country, cross-year variation in the timing of the Basel II adoption as the instrument to assess the causal impact of bank regulation on SEO announcement effects. However, the stringency of regulation does not have a significant impact on the announcement effects of involuntary bank equity issuance.
13
Demirguc-Kunt, Asli. "Modeling large commercial-bank failures: a simultaneous-equations analysis." The Ohio State University, 1990. http://rave.ohiolink.edu/etdc/view?acc_num=osu1279558772.
Full text
14
Demirgüç-Kunt, Asl? "Modeling large commercial-bank failures : a simultaneous-equations analysis /." The Ohio State University, 1990. http://rave.ohiolink.edu/etdc/view?acc_num=osu1487678444257508.
Full text
15
Wan, Qun. "A legal perspective on the disposition of non-performing loans and bank restructuring : a study of China's state-owned commercial banks /." View the Table of Contents & Abstract, 2006. http://sunzi.lib.hku.hk/hkuto/record/B35082690.
Full text
16
Hua, Dong. "Nordea Bank versus Industrial and Commercial Bank of China : A comparison of internet banking adopting." Thesis, University of Gävle, Department of Business and Economic Studies, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-6514.
Full textAbstract:
Banking can be viewed as one of the most traditional and sophisticated sectors in the economy and business markets. However, over the past decades, developments in technology has been changing dramatically the way that retail banks conduct their business and this change has also been accelerated due to the introduction and evolution of internet banking. The aim of this thesis is to get a better understanding about what factors are important to have impact on the internet banking implementing.
17
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.
Full text
18
Stráníková, Martina. "Analýza marketingových komunikací vybraných nových bank na českém trhu." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113161.
Full textAbstract:
The aim of this master thesis is to analyze marketing communication of new banks which entered the Czech market in 2011. The first part of the thesis contains the theoretical background regarding marketing in services, marketing communication and methodology of market research. The practical part deals with the analysis and comparison of marketing communication of Zuno, Air Bank and Equa bank. The practical part contains own quantitative and qualitative market research focused on perception of marketing communication of these banks by the public and their clients. Based on this research and SWOT analysis the possibilities of improvement in the future are presented at the end of the thesis.
19
Kipper, Lukas, and Mohammed Imad Albarbari. "Commercial Bank Profitability in a Negative Interest Rate Environment : A study on the relationship between negative interest rates and commercial bank profitability in Denmark." Thesis, Internationella Handelshögskolan, Jönköping University, IHH, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-48900.
Full textAbstract:
Background: Denmark, along with other European countries, has decided to cut its policy interest rate into negative territory to meet macroeconomic objectives. This has historically been thought of as impossible and impacts commercial banks significantly. As a consequence, concerns have been raised about commercial bank profitability, which is a primary indicator of the banking industry’s soundness. Purpose: The purpose of this thesis is to investigate the relationship between persistently negative interest rates and commercial bank profitability in Denmark, covering an extended timeframe (2011 – 2018, 165 bank years, 21 commercial banks). Method: Bank profitability is measured using the Return on Average Assets (ROAA) and the Net Interest Margin (NIM). The thesis follows a simple form of mixed-methods approach –quantitatively focused, followed by a supplementary qualitative study. For the quantitative part, data is collected through the Orbis database, which provides global company data. We utilized a Fixed Effects Model with strongly balanced panel data, covering 59% of the Danish banking industry’s assets. Semi-structured interviews were then conducted with professionals working in the industry to interpret the quantitative findings. Conclusion: The findings of this study show that in the time period observed: Interest rates are not correlated with the NIM; The duration of consecutive negative interest rates (in years) is negatively correlated with the NIM; Interest rates are not correlated with the ROAA; The duration of consecutive negative interest rates (in years) is not correlated with the ROAA; The duration of consecutive negative interest rates seems to be more significant since it takes time for the profitability-reducing effect of negative interest rates to materialize. The ROAA is not impacted by the (years in negative) interest rates, as it is mainly determined by factors under management control.
20
NGU, BRYAN, and Tsegaye Mesfin. "MEASURING COMMERCIAL BANK PERFORMANCE AND EFFICIENCY IN SUB-SAHARAN AFRICA." Thesis, University of Skövde, School of Technology and Society, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-3736.
Full textAbstract:
This paper offers to measure efficiency of banks in Sub Saharan Africa and its determining input andout put factors on two fonts. At this purpose, we applied the first font; Data Envelopment Analysis(DEA) for assessing efficiency level. The actual and target level of inputs/outputs to foster efficiencyare shown in the results. Secondly, the banks ratio analysis measuring banks performance throughreturns volatility for each bank, asset utilization and provision for bad and doubtful debts over thestudy period are all used as tools for this analysis. Our results suggest that Sub Saharan AfricanBanks are about 98.35% efficient. We are aware that the level of efficiency could be subject to up anddown swing if environmental factors influencing banks efficiency where taken into consideration.Finally, our result (DEA) is more sensitive to loans, other liabilities, other non interest expense,securities and deposit.
21
Cerasi, Vittoria. "Banking competition and the internal organization of a commercial bank." Thesis, London School of Economics and Political Science (University of London), 1996. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.244504.
Full text
22
Duenes, Laura. "Community development lending : case studies of commercial bank lending programs." Thesis, Massachusetts Institute of Technology, 1989. http://hdl.handle.net/1721.1/73308.
Full textAbstract:
Thesis (M.C.P.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 1989.Title as it appeared in M.I.T. Graduate List, June 1989: The role of private lenders in financing community economic development.
Includes bibliographical references (leaves 52-55).
by Laura Duenes.
M.C.P.
23
Rocha, Joana Isabel Pereira da. "The determinants of Bank Lending in Commercial Banks." Master's thesis, 2017. http://hdl.handle.net/10400.14/23625.
Full textAbstract:
Esta tese desenvolve e estima um modelo de procura de forma a avaliar os determinantes da escolha dos consumidores de serviços de empréstimos bancários em bancos comerciais. De acordo com a literatura de escolha discreta, os consumidores respondem tipicamente ao preço e às características dos produtos. Utilizando dados do setor bancário dos E.U.A. de 2011 a 2015, os resultados sugerem que os consumidores respondem negativamente a um aumento nas comissões de serviço e nas taxas de juro. Além disso, indicam que os consumidores preferem bancos mais recentes e que o risco de crédito do banco não influencia o processo da tomada de decisão.This thesis develops and estimates a demand model for commercial bank loan services to assess the determinants of consumer bank lending choice involving commercial banks. Following the discrete choice literature, consumers typically respond to price and product characteristics. Using data from the U.S. banking industry from 2011 to 2015, the results suggest that consumers respond negatively to an increase in service fees and in loan interest rates. Furthermore, they indicate that consumers prefer younger banks and that asset risk does not influence the decision-making process.
24
Yang, Wen-Yi, and 楊文怡. "A Study of Service Attitude Satisfaction of Taipei Consumers of First Commercial Bank,Hua Nan Commercial Bank and Chang Hwa Commercial Bank." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/75113821661884684981.
Full textAbstract:
碩士淡江大學
國際貿易學系國際企業學碩士在職專班
97
The international finance environment is getting tough due to the subprime mortgage crisis happened in 2007. The credit risk issues are appearing in many nations and the financial organizations. However the conservative First Commercial Bank, Hua Nan Commercial Bank and Chang Hwa Commercial Bank (the three former national business banks) obtain the consumers’ favor these days. In order to understand the consumer behavier, this research is aiming at Taipei area consumer to survey the satisfaction degree at the three business banks’ services. This research adopts the convenience sampling. 400 questionnaires were submitted. 325 of them are effective questionnaires. This research investigates consumers’ satisfication at banks’ service attribute and also reviews the gap between consumers’ expectation and satisfication at service. Finally the Importance Performance Analysis (IPA) is adopted to provide the banks with the advice to improve the service quality.
25
Fonseca, Gonçalo Tavares Ferreira Ciravegna da. "Does bank credit risk impact deposit allocation in commercial banks? : the case of US commercial banks." Master's thesis, 2017. http://hdl.handle.net/10400.14/31364.
Full textAbstract:
In the last years, with the occurence of many financial banking crises worldwide, bank credit risk has been a focus of the market. This thesis aims to analyse whether depositants do care about bank credit risk when they allocate their deposits in commercial banks or not. The literature rarely focuses on this crucial relationship between bank credit risk and deposit demand.
In order to further develop this topic, a demand model was defined and estimated applying the characteristic methodology and using multinomial logit and nested multinomial logit specifications. Many bank observed characteristics were included, such as deposit interest rate, service fees, number of branches, number of employees, bank size and bank credit risk.
Using a sample of US commercial banks between 2009 and 2015, findings suggest that depositors react to deposit interest rates and bank size in a positive and statistically significant way when choosing a bank. In addition to that, consumers do care about banks geographic diversification, but they do not consider bank credit risk in a statistically significant way, when deciding their deposits allocation.Nos últimos anos, com a ocorrência de várias crises bancárias por todo o mundo, o risco de crédito dos bancos tornou-se um foco para o mercado. Este Trabalho Final de Mestrado tem como objetivo analisar se os depositantes têm em consideração o risco de crédito dos bancos quando decidem alocar os seus depósitos. De facto, este tópico raramente é o foco da análise de pesquisas no setor bancário, que apresentam poucas conclusões neste âmbito. Com vista ao desenvolvimento deste trabalho, um modelo de procura de depósitos foi definido e estimado, aplicando a metodologia das características e especificações multinomial logit e nested multinomial logit. Várias características observáveis dos bancos foram incluídas na nossa análise, como por exemplo a taxa de juro de depósitos, comissões de serviço, número de balcões, número de empregados, tamanho do banco e risco de crédito. Tendo por base a análise de bancos comerciais americanos entre os anos 2009 e 2015, as conclusões sugerem que os depositantes reagem à taxa de juro dos depósitos e ao tamanho do banco de uma forma positiva e estatisticamente significativa. Para além disso, os depositantes também têm em consideração a diversificação geográfica dos bancos, mas não reagem ao risco de crédito de uma forma estatisticamente significativa, no momento de alocar os seus depósitos.
26
Lin, hsaingching, and 林香靜. "Using CAMEL indicators to explore the performance of subsidiary banks of financial holding companies - Hua Nan Commercial Bank, Mega International Commercial Bank, and First Commercial Bank are taken as case study." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/39016449896563495320.
Full textAbstract:
碩士正修科技大學
經營管理研究所
100
Financial institutions are indispensable support and forces behind all industrial development. In Taiwan, early on the public banks were primarily functional banks that focused on policy objectives, such as economic development and financial stability. Later, in order to cope with the intense free market competition in Taiwan and abroad as well as industrial demands, many private banks were permitted to open. In 1997, the Asian financial crisis exposed the problems in many domestic banks such as weakened constitution and excessive debts caused by negative competition. In addition, starting in 2000, the first and second financial reforms were promoted in 2000 and 2004, which emphasized the mergers between lower-level financial institutions and the permission to form financial holding companies. These policies were administered in hopes of achieving the benefits of mergers and decreasing negative competition in a saturated domestic financial market, in order to create a more suitable environment for investment. As it has been ten whole years since the financial sector of Taiwan has entered the age of financial holding companies, the purpose of this study is to understand whether subsidiary banks under financial holding companies have achieved positive performance in operations and profitability. After filtering the samples, this study chose as the research sample three subsidiary banks under financial holding companies with public stock – Hua Nan Commercial Bank, Mega International Commercial Bank, and First Commercial Bank. This study uses the CAMEL indicators used by the United States Federal Financial Institutions Examination Council to assess bank performance, along with the financial soundness indicators published by the Central Bank of the Republic of China. Among them, 14 financial performance ratios are selected to serve as the standards for research on bank performance. Results show: 1. The business model of the financial holding company does have a positive composite performance in regards to the operations of subsidiary banks. In this study, Mega International Commercial Bank outperformed the other two banks in terms of CAMEL indicators. The three primary reasons for this are: (1). Higher ratio of equity capital, (2). Longer period as privatized bank, and (3). Expansion of foreign currency business.
27
Chen, Hsiu-Lan, and 陳秀蘭. "A Study of Lifestyle and Market Segmentation：A Case Study of Taipei Customers of First Commercial Bank﹐Hua Nan Commercial Bank and Chang Hwa Commercial Bank." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/93519268854603402830.
Full textAbstract:
碩士淡江大學
國際商學碩士在職專班
97
Facing the impact of financial liberalization and internationalization, the survival of the banking industry in the fierce competitive financial market has become the most pressing issue for the banks. Based on the theory of market segmentation to separate different consumer groups, this research provides a marketing strategic reference for the banking industries. Using the lifestyle variables as segmentation bases, a total of 327questionnaires were collected from customers who opened an account with First Commercial Bank and Hua Nan Commercial Bank and Chang Hwa Commercial Bank in Taipei . The study questionnaire was divided into two major parts; first part was on the lifestyle and the second part was on the demographic variables. ANOVA analysis, chi-square test, factor analysis and cluster analysis of statistical methods were used to analyze the applications. The research findings are as follows： 1. Using the 23 questions from the lifestyle (AIO) questionnaires, five factors namely, “popular novelty”, “socialization activity”, “pragmatic factors shopping”, “fashion brand”, and “rational and independent” were obtained through the factors analysis of extraction. 2. Using Cluster and Discriminated analysis, respondent samples can be segmented into three market segments, namely, “Fashion shopping”, “External – Control brand”, and “rational and pragmatic social group.” A significant differences were found in both the three market segments and five lifestyle factors. 3. Significant differences were found in “gender,” “age,” “occupation,” and “personal average monthly income,” in the three market segments.
28
Kuo, Chin-Kuei, and 郭錦貴. "A Study on the Feasibility and Consequence of Bank Merger Project of First Commercial Bank, Dah Ann Commercial Bank and Pan Asia Bank." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/62710066993886396132.
Full textAbstract:
碩士國立交通大學
經營管理研究所
89
Abstract Due to the acceleration of international economic integration in our global village, liberalization and globalization of financial institutions became the unavoidable trend. In order to respond quickly to the rapidly growing competitions among industry, large international banks tend to merger since the beginning of the 90’s. Bank of America merged with NationsBank. Travelers Group tied the knot with Citicorp. Nippon Trust Bank Limited and the subsidiary of The Bank of Tokyo Mitsubishi, Ltd., Tokyo Trust Bank merged under the aegis of Mitsubishi Trust Bank and established the Mitsubishi Trust Bank. These are all very well known cases. The increased merger and acquisition activities are to decrease business risk and lower the operation cost in order to pursue more profit. Banks in Taiwan, like those in any other countries, must face server competitions nowadays. The competition is even worse after new banks establishment was de-regulated by the government. In order to stay in the market and compete with a large number of financial institutions. Banks tend to have extension of loans but ended up with failed loans that drives down profit margins. Indirect financing became less employed. Most banks, once dominated business lending, struggled to survive from competition with non-bank lenders like life insurance, brokerage, and finance companies. Banks in Taiwan must not only provide more professional and diversified service, but also seek suitable partners to merge. In recent two years, Ministry of Finance encouraged banks to have corporate combination in order to increase their efficiency and become more competitive. Just recently, Taiwan Banks, Land Bank of Taiwan and Central Trust of China were planning the merger project. Besides, there are other merger cases such as ICBC-United World Chinese Commercial Bank-The Shanghai Commercial & Saving Bank, Ltd.; First Commercial Bank-Dah Ann Commercial Bank and Pan Asia Bank. For efficiency gained from exploiting scale economies, banks tend to have corporate combination with others of similar scale and constitution. Little studies were done to comprehend the relationship between the scale of banks, operating characteristics and the feasibility of merger. Therefore, the study is to have a case study on the merger of three banks--First Commercial Bank-Dah Ann Commercial Bank and Pan Asia Bank. The study addresses seven financial indicators and characteristics of target banks as the variables to evaluate the business performance of the banks and the possible consequence may occur after the merger. The complementary of business operation of the three banks would also be analyzed, for whether the merger may enhance the weakness of each bank generally speaking may be one of the motives of merger. According to the study result, there is not much similarity in business scale or scope between these three banks. It seemed that no complementary effect would be employed after consolidation. The possibility of a success merger may not be obvious. However, the merger would definitely increase the scale of the bank. On the other hand it some how solves some problems of financial institutions, for the government sake.
29
PatchrabhonLimpiti and 林海峰. "Effecting Factors of Cardless Technology Adoption: Comparing Commercial Bank and Non-Commercial Bank mobile payment User." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/y24uqs.
Full textAbstract:
碩士國立成功大學
國際經營管理研究所
106
Coming of Technology age, many business sectors implement different innovation to support their business and service to fulfill changing in behavior of their customers, as well as financial cluster, where mobile phones become an essential part for banks and customers for many interactions. Cardless technology is one of the latest innovations which allows users to withdraw cash from ATM without requiring traditional ATM card with expecting this could enhance and create new channel to users to interact and manage transaction on mobile banking application. Aim of this study is to define those factors which could affect customers in terms of adoption behavior by comparing two groups of mobile payment users, commercial bank mobile payment users, and non-commercial mobile payment users-Fintech. Mixed method-qualitative study and quantitative are employed in this study to define factors which could influence customers where qualitative is interviewing based on grounded theory, and quantitative is survey.
30
Hueiling, Chen. "Decisions of Commercial Bank Analyst Coverage." 2004. http://www.cetd.com.tw/ec/thesisdetail.aspx?etdun=U0001-0505200517185300.
Full text
31
Chen, Hueiling, and 陳慧玲. "Decisions of Commercial Bank Analyst Coverage." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/55206953221948330851.
Full textAbstract:
博士國立臺灣大學
會計學研究所
93
This study examines sell-side analysts’ decisions to follow a bank. We specifically investigate whether analysts’ decision to follow a commercial bank is related to their characteristics. We also investigate whether the forecast horizon and coverage intensity associate with analysts’ characteristics. Both difficulty of assessing asset portfolio value and leverage are variables to the volatility of the commercial bank share prices. We decompose costs of analyst following a bank into difficulty and leverage. The empirical results show that analyst coverage is significantly greater for banks with greater difficulty proxied by risk-weighted assets scaled by total assets, but it is insignificantly smaller for a bank with higher asset growth. We also find that analyst coverage is greater for firms with higher Tier I leverage ratio. This study also posits and shows that high ability analysts choose to follow commercial banks with low leverage regardless of whether the headquarter of the commercial bank and the branch offices/headquarter of the brokerage house are at the same region. High ability analysts also prefer to cover banks with high asset risk when the commercial banks and brokerage house are at the same region. However, contrary to our predictions, high ability analysts do not choose to follow a commercial bank with high asset growth. Moreover, we find that analysts’ ability and forecast horizons are significantly positively correlated. This study also demonstrates that high ability analysts prefer to issue longer-term earnings forecasts. Finally, analysts’ ability is found to be significantly positively associated with coverage intensity. Consistent with the notion that high ability analysts better specialize in collecting and interpreting information than low ability analysts, high ability analysts appear to revise their earnings forecast more frequently.
32
WANG, TING-CHEN, and 王亭蓁. "The Effects of Revenue Diversification and Bank Regulation on Bank Performance: Evidence from Asian Commercial Banks." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/39948437141636469142.
Full textAbstract:
碩士國立臺北大學
經濟學系
102
The purpose of this study is to examine the effects of revenue diversification and bank regulation on bank performance using 476 commercial banks cross 10 Asian countries during 2004 to 2012 by the Panel Data Analysis. The major findings are as follow. First, diversification between interest and non-interest income do positively affect bank performance, however, diversification among non-interest incomes has little effect on bank return. Banks involving in non-traditional activities, especially those fees, commissions, and trading incomes, can create higher returns. Second, by considering activities restriction, capital regulation, and supervision capability as the proxies of bank regulation variables, empirical results show that activities restriction has little effect on bank performance, while capital regulation helping bank to accumulate higher capital will have a positive impact on bank performance. Stricter financial supervision, however, will reduce bank returns and part of the negative impacts may come from inefficient government governance. Lastly, impacts of bank regulation on bank performance are found to be significantly different from those periods of before, during, and after the financial crisis. Periods of during and after the financial crisis, the positive impact of capital regulation on bank performance is found to turn to negative, while the negative impact of supervision capability on bank returns is found to be lessened. Results above indicate that bank regulations may have interfered banks to find ways to avoid loss and thus lowered bank returns during and after periods of the financial crisis.
33
Chen, Jun-Wei, and 陳俊煒. "Exploring Competitive Strategies of Taiwan Domestic Commercial Banks-- A Case of the United World Chinese Commercial Bank." Thesis, 1998. http://ndltd.ncl.edu.tw/handle/17181095877933419643.
Full textAbstract:
碩士國立交通大學
管理科學研究所
86
In Taiwan, the environment of the banking industry has dramatically changed lately as liberalization, internationalization and information automation continue reshaping the whole industry. Consequently many banks cannot sustain their previous competitive advantages. Therefore it becomes more and more important for individual banks to rethink how to effectively lever their core competence to create their unique competitive advantages.Our study has adopted a two-stage design. In the first stage, we conduct the principal component analysis to formulate an index that measures banks'' performances aggregately. Then the 25 Taiwan domestic commercial banks are compared with one another from 1992 to 1996 using the aggregate index. The United World Chinese Commercial Bank has been regarded as the most innovative and profitable domestic commercial bank from reports both domestically and abroad. The same ranking result is obtained in our study. In the second stage, we further interview the top managers of the bank to explore what and how they do to make them so outstanding.From the in-depth interview and our empirical study, we can summarize as follows:1. Taiwan''s domestic commercial banks compete against one another no longer basing on their size, number of branch office and history alone.2. A bank''s capabilities of continuously innovating have determined whether it can sustain its competitiveness over dynamic environmental changes. The United World Chinese Commercial Bank has first adopted innovative human resources management practices such as profit sharing and job rotation which have highly motivated its employees. Strategic and operational innovation have successfully created effective entry barriers and enormous profits via collaboration among different business.3. Dramatic environmental changes caused by liberalization, internationalization and information technology continue reshaping many industries. The adaptation has driven Taiwan''s domestic banks to reformulate their business strategies. The similar adaptation process is occurring in many industries globally such as the automobile industry, the telecommunication industry, the information technology industry and so on. From the findings obtained in our study we concluded a firm has to continue creating values via innovating itself in order to survive and prosper.
34
HONG, KUO WEI, and 郭維鴻. "Competitive Strategies of the Commercial Bank Against the Financial Holding Company－A Case Study of C Commercial Bank." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/63597118977648002798.
Full textAbstract:
碩士大葉大學
事業經營研究所碩士在職專班
95
The commercial bank is an important financial institution in Taiwan economic society. The global financial environment change structurally due to the banking liberalizations, internationalization and Information Technology. Taiwan financial market become more opening and competition. This research intends to explore how Taiwan’s banking to utilize resources, creative its outstanding management. This research also tries to achieve the following research goal: First, we explore present situation and challenge in commercial bank. Second, we explore the development strategy of the bank belonging to finance holding company in Taiwan. Third, from resources viewpoint, we explore which strategy the commercial bank will adopt when they face challenge of the bank belonging to finance holding company. We take C bank for granted. C bank adopts a strategy of small and beautiful "the specialized bank" . According to the external environment resources condition, it is difficult for C bank to lead to establish finance holding company and expand market share with its capitalization and business scale. If the the bank belonging to finance holding company finance holding company, it is difficult to create competitive advantages due to low cost and Cross selling. If C bank adopts strategy, although the overall resources is not superior to the bank belonging to finance holding company, it is competitiveness in regionalization middle Taiwan. C bank adopts a strategy of centralism and difference. Key Words :business Bank,competitive strategy,resource-based
35
Chiang, Yueh-Ching, and 江月青. "Study on Taiwan Commercial Bank Operational Performance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/04559765685348428424.
Full textAbstract:
碩士淡江大學
國際行銷碩士在職專班
103
Small and medium enterprises thrived during initial development of Taiwan industry, leading Taiwan economic growth. The banking industry also played an important role in offering financial services; hence, the stability of a banking system is crucial to Taiwan industry. Since the government vigorously loosened banking laws and restrictions, Taiwan banking entities have experienced a rapid expanding period, which in the end they found themselves facing a vicious and competitive banking environment. Due to the excessive number of banks, profits from savings and loan narrowed dramatically. In order to survive, banks chose to expand their overseas business to seek higher returns; also many mergers and acquisition activities went up. Because banks are relying more on their overseas branches, global economy affects banks’ returns greatly. Evaluation on banks’ relative operation performance, therefore, became much more important. This study uses Data Envelopment Analysis (DEA), let total asset, operation expense and interest expense as input variables, and interest income and non-interest income as output variables, and perform correlation analysis on relative operation performance of sample banks, and use Windows analysis as computing model on cross-year relative operation performance in order to increase the stability of the result among compare sample banks. In the end, this study will promote further discuss the possible ways of development of sample banks.
36
Lin, Tze-Yi, and 林姿儀. "Commercial Bank Market Efficiency in Financial Crisis." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/68067230953044562705.
Full textAbstract:
碩士國立臺灣大學
財務金融學研究所
98
Abstract In recent years, there has been a dramatic proliferation of research concerned with market efficiency while recent global financial crisis has led to renewed criticism of the hypothesis. The main purpose of our study is to investigate commercial bank market efficiency in financial crisis. First, we use a multi-regression model to examine the relation between returns and contemporaneous as well as lagged order imbalances. We divide our sample into overall effect, autocorrelated effect and cross-correlated effect situation to discuss separately. The empirical result shows that the contemporaneous order imbalances have a significantly positive impact on returns in all three situations, and the lagged-one imbalances also have a positive impact on returns disregarding the contemporaneous imbalances in overall effect condition and cross-correlated effect condition, but the positive relation is not as significant as the empirical result of Chordia and Subrahmanyam (2004). Once we condition on the contemporaneous imbalances, most of the coefficients of lagged-one imbalances turn to be significantly negative, which is consistent with Chordia and Subrahmanyam (2004). Besides, we adopt GARCH(1,1) model and observe positive relation between contemporaneous order imbalances and returns. We also find there exists the convergence process toward efficiency. In addition, we examine the relation between volatility and order imbalances by using a GARCH(1,1) model. We observe low connection between order imbalances and price volatility, and it could be explained that market makers have good control on commercial banks’ price volatility. Finally, we form an intraday trading strategy based on the sign of large order imbalances to test if the trading strategy can beat the market or not. We find our trading strategy cannot beat the market.
37
Jen, Tien-I., and 任天一. "The Research on Commercial Bank Customer’s Profitability." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/14430695194353801618.
Full textAbstract:
碩士國立高雄第一科技大學
風險管理與保險所
94
ABSTRACT This study is mainly on the basis of the Customer Profitability from Customer Relationship Management, CRM; furthermore, it will aim to eventually clarify the difference of Customer Profitability between the bank’s customers of personal loan’s and personal investment and wealth management by statistics of regression analysis. Here are the major conclusions below in accordance with the empirical survey :The dimensions of Customers’ characteristics in relation to Customer Profitability are, namely:personal annual income ,the amount of children and working experience.According to the empirical evidences show, the higher figures the above datum get, the more positive feedback toward Customer Profitability it will be.The dimensions of customers’ dealing records among the financial institutions in relation to Customer Profitability are, namely:the more enquiries the JCIC make and the more Mortgages’account balance of the whole financial institutions guarantee, the more negative feedback toward Customer Profitability of personal credit loan it will be.Highly emphasizing the importance of a great quantity of customers’ credit cards makes a positive contribution to Customer Profitability. Meanwhile, this study is found that the more the commercial items are sold, as far as the cross- selling at bank is concerned, the more the bank will benefit from.
38
Chiou, Der-Shiou, and 邱德修. "The Financial Ratio Annalysis of Commercial Bank." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/89662250933712385852.
Full textAbstract:
碩士世新大學
經濟學研究所(含碩專班)
93
This paper uses financial ratio analysis method to analysis the efficiency of commercial bank A during year 2000 to 2002 .We compare the deposit , loan , B/S , I/S of bank A of different years to see it’s efficiency performance .We focus CAMELS Rating to analysis bank efficiency . We find bank A’s unusual write of it NPLs in year 2002 , to the result of financial ratio analysis may be biased . Therefore we do the financial ratio analysis by assumig if bank A to write off bank’s NPLs equally during 2000 - 2002 .We find the ROA , ROE and net profit after tax (NPT) of bank A in year 2000 and year 2002 are lower then that of year 2001 before the NPLs adjustment , but all of values in after adjustment year 2002will increase .
39
Yi-Chen, Liu, and 劉伊甄. "Bank Diversification Discount or Premium:Evidence from Commercial Banks in the Islamic World." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/w63pvm.
Full textAbstract:
碩士逢甲大學
國際貿易學系
102
Due to its great oil reserves and advanced construction techniques, the Islamic world has enjoyed much prosperity over last several decades. Because of Islamic religious restriction, Islamic banking was less affected than the rest of the world during the 2008 global financial crisis. This study reviews banking samples from Indonesia, Malaysia and Pakistan from the data period of 2006 to 2012 using BANKSCOPE. Through the CAMEL model, we compare the operating performance of commercial banks and Islamic banks after the 2008 financial crisis, and show that the results indicate there are no different between the performance of commercial banks and Islamic banks. If commercial banks hope to attract more customers than Islamic banks, they will need to diversify. Therefore, by the following the methodology of Laeven and Levine(2007), we found that divarication provides positive impact for commercial banks but has negative impact for Islamic banks. By combining the data for both commercial and Islamic banks, we found that diversification is generally good for balks. By adding loan-loss ratio and cost income ratio into our data, we found that after diversification, risk management of commercial banks is more stable than with Islamic banks. However, while more stable, the cost of risk management is increasing.
40
Shie, Ying-Chang, and 謝穎昌. "The Impact of Bank Provision on Capital Adequacy Rate for Commercial Banks." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/98115749121572136874.
Full textAbstract:
碩士輔仁大學
會計學系碩士班
101
In order to meet the BaselⅡcapital adequacy ratio and increase the ability to lend ,commercial banks often use (a) loan loss provisions and write-offs; (2) Issue of ordinary shares; (3) disposal of securities (4) operation of derivative financial instruments (5) operating loan transaction time and other methods to adjust their own BIS. The empirical result showed that the bank with lower capital adequacy ratio will use LLR to manipulate the capital adequacy ratio. Especially when LLR is higher than1.25% of risk-weighted assets. The study also investigate the bank adjusting LLR when they face recession or losses. The empirical results confirm that banks in the face of recession will reduce LLR, in order to maintain earnings volatility; banks face losses, will choose to set aside less allowance for doubtful accounts to stabilize the discretionary surplus.
41
Al-Naimi, Ahmad A. O. "Bank liquidity risk and asset and liability management at Jordanian commercial banks." Thesis, 2019. https://arro.anglia.ac.uk/id/eprint/705255/1/Al-Naimi_2019.pdf.
Full textAbstract:
The relatively large size of the commercial banks in Jordan compared to other sectors in the economy as well as the turmoil in the MENA region motivated me to explore these organisations’ asset liability management framework. This thesis utilized quantitative methods to study bank liquidity risk and asset and liability management (ALM) in Jordanian commercial banks over the period 2004 to 2015. The thesis evaluates the impact of the ALM framework on Jordanian commercial banks during 2017/2018 using questionnaires that explored the current framework of the ALM, the role of the asset liability committee (ALCO), and its effect on risk-management techniques in terms of liquidity, interest rate, credit, and market risks. It also investigates the tools used by commercial banks to estimate and set their risk exposures.
The results of the questionnaires indicate the existence of the ALM process in all of Jordan’s commercial banks whereas ALCO only had limited authority in terms of identifying and setting risk exposures. The findings of this study show liquidity risk to be one of the most significant risks that Jordanian commercial banks have to mitigate against most of these banks rely on central bank guidelines to manage and set their liquidity and funding liquidity risk limits. The breadth of commercial banks’ activities in Jordan as regards financing most of the economic sectors in the country through their role as financial intermediaries marks the importance of shielding them from liquidity risks.
The thesis analysed the impact of internal bank factors such as profitability, capital, credit, size and quality of management on liquidity risk for thirteen Jordanian commercial banks while controlling for the regulatory and macroeconomic environment using a panel data model. The econometric results show that profitability has a positive impact on liquidity risk whilst the existence of an efficient management has a negative impact on liquidity risk. Finally, the impact of capital and credit on liquidity risk had an ambiguous effect due to the interactions between the different factors.
42
Nyoka, Charles Jabulani. "Bank capital and profitability : an empirical study of South African commercial banks." Thesis, 2017. http://hdl.handle.net/10500/23243.
Full textAbstract:
Bank capital has a critical role in banking business the world over. Capital is a principal aspect of regulation and will determine how long a bank remains in business from a regulatory point of view. Its cost and the regulatory amount have an impact on the competitiveness of an institution and will influence the rate of expansion of a bank.
The contribution of capital to the profitability and survival of a commercial bank remain an unresolved empirical issue.
Prior research on the relationship between capital and profitability has largely focused on developed economies, especially the USA, and Europe. However, the results have been inconclusive.
There is no evidence of such kind of a research done to date that focuses on an emerging economy such as South Africa.
The seemingly conflicting finding coupled with regulations imposing equity capital adequacy from the Basel 11 Accord present an opportune platform for further research on the relationship between capital and profitability.
Using South Africa as a unit of analysis and using the Generalised Methods of Moments (GMM), and Panel Two Stage Least Squares (2SLS) or Pooled IV method as the estimation techniques, this study tested the hypothesis that there is a positive and statistically significant relationship between bank capital and profitability.
The results from the study provide evidence of a positive relationship between capital ratio (CAR), return on equity (ROE) and return on assets (ROA) and supported the generally held notion that there is a positive relationship between bank capital and profitability.
This research output provided new insights into the long-run impact of bank capital on profitability and survival. From a bank specific strategic decision-making perspective, this would assist financial institutions and investors in tailoring investment decisions in response to policy decisions that relate to bank capital. From the public policy perspective, this would assist both governments and regulators in formulating better- informed policy decisions regarding the importance of bank capital.Business Management
D. Com. (Business Management)
43
HUANG, WAN-SHUI, and 黃萬水. "The Effects of Internationalization on Bank Performance：Cases of 4 Domestic Commercial Banks." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/6n5hkj.
Full textAbstract:
碩士東海大學
高階經營管理碩士在職專班
107
Title of Thesis：The Effects of Internationalization on Bank Performance：Cases of 4 Domestic Commercial Banks Name of Institute：Tunghai University Executive Master of Business Administration Program Graduation Time：（June/2019） Student Name：Huang Wan-Shui Advisor Name：Dr.Chang Yung-Ho Abstract：Before 1980, the financial sector in Taiwan was under a stricter supervision system led by the authority. The business strategies of banking industry thus were more conservative. However, as entering the era of bank globalization, many Taiwan industries become internationalized to seek for foreign markets, cost reductions, raw material supply and clients’ demands for being more competitive and making better profits. To support offshore companies and increasing oversea business activities, with the encouragement of government policy, financial institutions more toward internalization and liberalization as well. This study focuses on the effects of internationalization on bank performance: 4 domestic commercial banks are selected to collect their data from 2012 to 2017 for multiple regression analysis. Variables indicating the degree of internationalization are measured by foreign income as a percentage of total income and foreign assets as a percentage of total assets. Variables that represent bank performance are measured by return on asset (ROA) and return on equity (ROE). The finding suggests that the effect is positive: the higher foreign income ratio, the better bank performance. In other words internalization enhances bank performance.
44
Chen, Jie-Yu, and 陳玠宇. "Commercial Bank Risk Taking After Financial Crisis -the example of Taiwan Banks." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/07663280351276061385.
Full textAbstract:
碩士亞洲大學
經營管理學系
105
This research mainly focuses on the influence about the risk-taking of the banks and the individual bank with independent characteristics. We take 15 banks in Taiwan are as samples and the sample period is from 2008 to 2015. Generalized Method of Moment, we use GMM model to prove the monetary policy does influence the risk-tolerance of the bank. Furthermore, the higher rate of liquidity causes the lower risk-tolerance. As to the macroeconomics, the increase of rate mortgages results in the increase of risk-tolerance.
45
Ching, Yao Jui, and 姚瑞慶. "Business Strategy Formulation for Commercial Banks: A case study on Bank C." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/30143717533423931797.
Full textAbstract:
碩士淡江大學
國際貿易學系碩士在職專班
92
Title of Thesis: Business Strategy Formulation for Commercial Banks: A case study on Bank C Key word: banks, elements of shaping,competitive strategy, mission statement Name of Institute: Graduate Institute of International Business, Tamkang University Graduate Date: June, 2004 Degree Conferred: Master Name of Student: Yao Jui Ching Advisor: Dr. Jyh-Horng Lin 姚 瑞 慶 林志鴻 博 士 Dr. Chin-Chang Lai 賴錦璋 博 士 Abstract: Based on productive approach, the research analyzes the C bank through study of relatively representations, collection of secondary data, and profound interviews. The research takes advantage of the past and current, competitive situation of domestic banks to estimate competitive strategy that a commercial bank will conduct. Moreover, the ultimate goal of this research is to find relationship between competitive strategy and elements of shaping the competitive strategy. Through analyzing and estimating the C bank, the research will assist the banking industry to understand external and internal, environmental elements. Furthermore, this research would provide a reference for the banking industry on decision-making as well as on business strategy. The conclusions shall be contributed as the following: 1.The mission statement of the C bank includes providing global financial services, becoming a global bank of Chinese people and listed in top 100 world bank. The research which estimates external and internal elements as a whole, aims to provide a reference for the C bank on short-term and long-term competitive strategy. 2.Besides tangible assets, a corporation has to balance every element of mission statement, intangible assets, including mission statement, internal environmental elements, company culture, and employees. In this way, a corporation shall implement business strategy smoothly. 3.The research tries to improve competitive strength of domestic banks under such a complicated and competitive environment through shaping and revising competitive strategies.
46
Chang, Ya-Ching, and 張雅晴. "Diversification, Competition, Regulations, and Bank Risk-Taking: Evidence from Asian Commercial Banks." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/76067576872969613181.
Full textAbstract:
碩士國立臺北大學
經濟學系
102
This study utilizes the Panel Data Analysis to 445 commercial banks of 10 Asian countries for the period of 2004-2012 to analyze the effects of diversification, competition, and regulations on bank risk-taking. Z-score, non-performing loan ratio, and liquidity ratio are used to measure bankruptcy, credit, and liquidity risk of bank, respectively. Major findings of the study are as follows. First, income diversification can significantly reduce the bankruptcy risk, but not the credit and liquidity risk, while asset diversification can significantly reduce the liquidity risk, but not the bankruptcy and credit risk. Results above indicate that income or asset diversification may not necessarily lead to a lower risk-taking by banks, especially for the credit risk. Therefore, banks involving some more nontraditional and/or off-balance-sheet activities may be necessary in the future. Second, bank regulations represented by better quality of regulation, higher degree of financial trust, and stricter requirements of capital adequacy will lead to lower bank risk-taking, while market concentration has significantly positive effect on bank risk. Results indicate that government regulation and market competitiveness will induce bank to have a lower risk-taking. Lastly, by further investigating the income and asset diversification effects on bankruptcy risk among periods of before, during, and after the financial crisis, we find that bankruptcy risk is reduced significantly the most by diversification in the period of before crisis, followed by the period of during and then after the financial crisis. However, no significantly different effect of diversification on bankruptcy risk is found between commercial banks on developed and developing countries in Asia.
47
Jahangir, Nadim. "The relationship between managers' use of power and employees' work variables in nationalised commercial banks in Bangladesh." 2003. http://dlibrary.acu.edu.au/digitaltheses/public/adt-acuvp33.29082005/index.html.
Full textAbstract:
Thesis (PhD) -- Australian Catholic University, 2003.Submitted in total fulfillment of the requirements for the degree of Doctor of Philosophy. Bibliography: p. [230] - 262. Also available in an electronic format via the internet.
48
I-HsienCheng and 鄭義憲. "The Determinants of Bank Loan Default-The Case of Taiwan Commercial Bank." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/45345476357144028288.
Full textAbstract:
碩士國立成功大學
國際管理碩士在職專班
98
This study examines the determinants factors of loan default in the case commercial bank in Taiwan. The result after using Logit analysis to define determinants of credit default for overall samples shows that operating cash flow ratio of the Solvency factor、 financial fee ratio of financial structure factor、organizational management、 affects by the affiliated company、 transaction credit status with bank of the management administration factor are main factors that influence credit risk. The result shows that the above factors are all critical for the bank loan will default or not. As we know the essences of the Commercial Banks are gaining the profits from risk taking and financial services providing. A good risk control will decide the success of the banking business running and performance. Especially in the Taiwan financial market, the banking industry is owing to the highly competitive environments and dozens of banks providing the same quality financial products. The study result shows some important factors which are all significant for the bank loan default. There are the operation cash flow ratio of solvency、financial fee ratio of financial structure、Organizational management、affects by the affiliated company and transaction credit status with bank of management administration factor. I hope these results can provide as a reference for the bank administration level when granting the loan.
49
Lin, Hao-Yu, and 林豪宇. "Performance Analysis of Commercial Bank Branches - A Case Study of S Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/672jkz.
Full textAbstract:
碩士國立臺北科技大學
經營管理系碩士班
106
The present study employs data envelopment analysis (DEA) to research the operational performance of the 65 branches of S Commercial Bank from 2013 to 2017. A viewpoint inclining toward the intermediation approach is chosen, in which the input variables consist of average loans and the number of employees while the output variables are comprised of net interest income, fee income and earnings before taxes. Pearson’s correlation coefficient is first used to test whether the selected inputs and outputs are suitable, and then numerical formulas are applied for simulation analysis. The results of empirical research revealed the following: (1)Efficiency analysis carried out using CCR and BCC models shows that, during the period from 2013 to 2017, Yung Ho Branch’s total technical efficiency was evaluated to be relatively efficient for four years, and it ranked top in constant returns to scale; this is followed by four branches, i.e. East Taipei, Cheng Chung, Min Sheng and Chung Kang, with their total technical efficiency evaluated as being relatively efficient for three years, and they ranked second in constant returns to scale. (2)The best and worst branches determined using CCR and BCC models were different from those resulting from the internal performance evaluations conducted by the Head Office of S Commercial Bank. The main reason was that the performance evaluation considered not only “surplus” but also “services of the corporate finance division” (e.g. volume of import/export business), “services of the personal banking division” (e.g. dimensions of personal banking risk), “audit/internal control execution” (e.g. assessment of law abidance), and “goal of strategy management” (e.g. e-bank penetration rate). Moreover, the performance evaluation emphasized the growth rate and goal achievement rate. The annual surplus differed among branches because of group categorization, so a specific amount was added (for example, an amount of 15 million was added to the surplus of branches in Group A, 9 million to Group B, and 5 million to Group C). There were also few special circumstances in which the branches lower the surplus budget.
50
Lin, YuHsin, and 林郁馨. "Commercial Bank in Investment Bank Underwritings: Certification Effect or Conflicts of Interest." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/60792323251748961872.
Full textAbstract:
碩士國立臺灣大學
商學研究所
89
This study discusses the reasons for and against banks'' extending securities power, especially underwriting activities. We discuss several reasons alleged by proponents of extending bank powers and explore the empirical literatures that examine the real effect of above reasons. The empirical results show that most of the alleged effects in extending bank powers are not significant. In addition, we discuss the conflicts between commercial banking and investment banking and explore the empirical literatures that examine the conflicts of interest effect in banks'' underwriting activities. This study focuses on the certification effect and conflicts of interest effect in Taiwan''s banks’ underwriting activities. We conduct t-test and OLS regression to examine the certification effect and conflicts of interest effect in bank underwritings comparing to securities firm underwritngs. We find that the certification effect of commercial banks in underwritings is not significant by using t-test. The results of multiple regression show that more underwriters could lead to reduction in returns. There is no significant evidence of the differences in yields between bank underwritings and securities firm underwritings.