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1
Liyanagamage, Champika. "Banking sector competitiveness." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 2 (March 21, 2021): 195–202. http://dx.doi.org/10.20525/ijrbs.v10i2.1062.
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Despite core banking, banks also engage in off-balance-sheet (OBS) market activities. In many developed banking industries, OBS activities have grown to be significant during the last two decades. This paper provides rather scarce evidence on the competitiveness among banks for OBS activities and its impact on the degree of banking sector competition in Sri Lanka. Panzar-Ross H statistic approach employing in this study to estimate bank competition used a comprehensive set of bank-level data of the whole commercial banking sector in Sri Lanka covering the period 1996-2018. The first-round analysis of the study uncovers substantial differences among banks concerning the OBS activities. EGLS panel estimation procedure applied in this study provides evidence for a lower level of competitiveness among Sri Lankan banks for OBS activities. More interestingly, the findings further reveal that the degree of competitiveness for OBS activities has a significant positive impact on the overall competitiveness of the banking sector in Sri Lanka. These results suggest banking institutions re-visit their business models with greater emphasis on nonconventional banking activities in enhancing bank-level efficiency and hence positively contributing to the overall competitiveness of the banking sector.
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Afolabi, Tunde Ahmed. "Competitiveness of Togolese Banking Sector." Theoretical Economics Letters 08, no. 11 (2018): 2497–519. http://dx.doi.org/10.4236/tel.2018.811161.
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Istifadah, Nurul, Heru Tjaraka, and Dwi Ratmawati. "ROLE OF THE FINANCIAL SECTOR TO IMPROVE ECONOMIC COMPETITIVENESS IN EAST JAVA." Jurnal Riset Ekonomi dan Manajemen 16, no. 2 (October 31, 2016): 189. http://dx.doi.org/10.17970/jrem.16.160202.id.
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ABSTRACTGerbangkertasusila (Gresik-Bangkalan-Mojokerto-Surabaya-Sidoarjo-Lamongan) is a center of economic growth in the province ofEast Java. Performance of competitiveness in the Gerbangkertasusila affect to the achievementof the indicators of competitiveness of East Javaprovince. Indicators of regional competitiveness include several aspects, namely: the regional economy, infrastructure, natural resources, human resources, technology, institutional, governmentpolicy, micro-economic management, and the regional financial system. Aspects of the regional economy can be measured by the optimization of the development of the leading sectors, whilethe indicator of the regional financial system is reflected by the ability of the financial system of banking and non-banking in the region in facilitating economic activities that can provide added value. The objectives of this study are to identify the leading sector of each kabupaten/ kota and also analyze the role of the financial system in improving regional competitiveness. Based on the indicators of the leading sector and the role of the financial system, prepared a strategy to improve regional competitiveness in each kabupaten/kota in Gerbangkertasusila. The tools of analysis in this study are shift-share and SWOT analysis.The results showed that the leading sector of city of Surabaya and Mojokerto are the trade sector. The district of Sidoarjo, Gresik, and Lamongan are the industrial sector, while the leading sector of Mojokerto district is the agriculture sector and Bangkalan district is the mining and agriculture sector. Furthermore, to improve the competitiveness of regions in Gerbangkertasusila need to increase the role of the financial system of banking and non-banking especially in building infrastructure at the leading sector.
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Liyanagamage, Champika. "Examining the competitiveness of banking sector in Sri Lanka." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 3 (May 1, 2021): 320–27. http://dx.doi.org/10.20525/ijrbs.v10i3.1095.
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The banking sector in Sri Lanka has been portrayed by significant changes in the past few decades. It is widely perceived that competition in the Sri Lankan banking sector has improved since the introduction of the financial sector reforms in the 1990s. By applying Panzar-Rosse (PR) approach to test the degree of competitiveness, this paper assesses the validity of this claim in the context of the Sri Lankan banking sector during 1996-2018. The sample covers a broader set of bank-level panel data of the whole commercial banking sector which comprised of 25 licensed commercial banks. The EGLS procedure applied in this study revealed that during the stated period, the Sri Lankan banking sector had been moderately competitive. Further analysis also disclosed that there is no significant difference between the state-owned banks and private banks regarding their degree of competitiveness, as well as their temporal dynamics. Another striking observation revealed in this analysis is the lower level of competitiveness among foreign banks compared to the competitiveness of local banks. The Competitiveness of the Sri Lankan banking sector however is characterized by non-price competition, as on many occasions the interest rate depends on government policies. Hence, this study provides new insight into the nature of financial sector competitiveness in underdeveloped countries. The outcome of the research implies the necessity of attempts of all banks towards re-aligning their strategies to attract and retain customers. This would be the major challenge that banks face in accomplishing a higher level of competition in the banking industry in the future.
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Aloshyna, I. "The impact of euro-integration processes on strengthening competitiveness of the banking sector." Bulletin of Taras Shevchenko National University of Kyiv. Economics, no. 215 (2021): 6–12. http://dx.doi.org/10.17721/1728-2667.2021/215-2/1.
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The study considers the essence and effects of economic integration on the Euro zone banking sector. The study explains that the intensification of economic integration of European countries provides a competitive environment for banks. The results found that the integration at the macro level increases the international competitiveness of the banking sector by creating a more transparent single secure market and increasing its capacity through the application of common rules and administrative standards for banking supervision and resolution, and on the meso- and micro levels increases the international competitiveness of banking institutions by increasing efficiency and profitability by increasing the volume of cross-border banking activities within the Euro zone. The conclusions suggest the main instruments of ECB’s monetary policy have a positive impact on improving the competitiveness of the banking sector by removing barriers to cross-border competition. Such instruments helped to create a large and transparent capital market, increase banking sector competitiveness by intensifying competition and efficiency of banks.
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Banya, Roland Mwesigwa, and Nicholas Biekpe. "Bank competition and economic growth." Journal of Economic Studies 44, no. 2 (May 8, 2017): 245–65. http://dx.doi.org/10.1108/jes-09-2015-0169.
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Purpose The degree and impact of competitiveness in the banking sector is of great importance as this has great impact on the financial system and the wider economy. A question of interest here is, does competition in the commercial banking sector boost or hamper economic growth. The purpose of this paper is to test the hypothesis that competitiveness in commercial banking is linked to economic growth. Design/methodology/approach The authors use the Boone (2008) indicator to estimate competitiveness of banking markets in ten frontier countries in Africa from 2005 to 2012. This model measures banking competitiveness by assessing the relationship between relative marginal costs and relative market share. Through a panel data model, the authors examine the effect banking sector competitiveness has on economic growth. Findings The results of Boone (2008) indicator suggest that, to a greater extent, banks in the countries studied have a competitive banking sector. The results of the panel data estimation support the hypothesis that banking sector competition impacts positively on economic growth. Practical implications The paper recommends for more policy geared towards enhancing bank competition. This is because competitive banking system will allocate resources more efficiently to improve economic growth. Originality/value To the best of the authors’ knowledge, this is the first study to test the link between bank competition and economic growth in a cross-section of Frontier African countries.
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Nefedova, K. A., and D. O. Maslakova. "An analysis of competition in the banking sector of the City of Vladimir." Regional Economics: Theory and Practice 18, no. 4 (April 15, 2020): 610–26. http://dx.doi.org/10.24891/re.18.4.610.
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Subject. This article deals with the issues related to the major competitive differentiators of banks, as well as the competitiveness assessment. Objectives. The article aims to develop indicators to assess the competitiveness of banking institutions, conduct a consumer assessment of the attractiveness of the bank, as well as identify leading institutions in the banking services market of the City of Vladimir. Methods. For the study, we used the methods of comparative analysis, and factorial and rating evaluation procedures. Results. The article presents certain methods for assessing the competitiveness in the banking sector. It identifies possible ways to improve the competitiveness of the banks assessed. Conclusions. Comprehensive assessment methods, including methods related to the study and analysis of competitiveness, should be used when forming new areas of development of banking institutions. This will help create an optimal portfolio of services provided and provide higher customer satisfaction. Implementing a timely assessment of the bank's competitiveness should be the basis for its further development and growth.
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Savelieva, Nadezhda K., and Tatiana A. Timkina. "Competitiveness of the Russian Banking System: Cross-Border Aspect." Vestnik of North-Ossetian State University, no. 4 (December 25, 2021): 211–16. http://dx.doi.org/10.29025/1994-7720-2021-4-211-216.
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The processes of globalization and cross-border relations between countries have made it possible to carry out work and provide services in the markets of another country. In the conditions of the banking sector, this process is expressed in the branches of foreign banks or by investing money in the authorized capital of an existing bank. In this case, the management process is located in another country. Foreign investment in all sectors plays an important role in the development of the economy. The classification of commercial banks depends on the source of financing of the authorized capital. The article analyzes the impact of foreign investment on national banking organizations. The growth in the number of commercial banks exacerbates competition in the country. Market participants increase their competitive advantages by introducing additional banking services. The banking sector includes the authorized capital of non-residents, so the bank’s strategy is developed by citizens of another country, taking into account national characteristics. While the foreign banking industry is more likely to overtake domestic technologies, innovations increase the level of competition by adapting foreign mechanisms to Russian markets. The purpose of the study is to analyze the competitive advantages of the national banking sector, taking into account foreign capital. In order to determine whether the policy of a foreign bank affects the atmosphere of the national market, it is necessary to study the industry leaders, measure the share and scale of non-resident banks, using the calculation of the Gerfindahl-Hirschmann market concentration index. The results obtained can reasonably describe the banking market, describe the risks and ways of development of the industry, taking into account the need for an investment fund.
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Fejza-Ademi, Vjosa, Ajtene Avdullahi, Qazim Tmava, and Esat Durguti. "Analysis of the Banking Sector Competition in Kosovo." Studia Universitatis „Vasile Goldis” Arad – Economics Series 32, no. 2 (April 13, 2022): 84–101. http://dx.doi.org/10.2478/sues-2022-0010.
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Abstract This research paper aims to investigate the competition in the banking sector in Kosovo. For the research purpose, the secondary data from the Central Bank and commercial banks of Kosovo are used. Besides, the comparison methodology is used to analyse the banking sector for the years 2013-2017. The participation of commercial banks in the banking sector in Kosovo was compared and described, and the competitiveness of the banking sector was measured, using the HHI index and Concentration Ratio (CR4). Based on the research results, we can conclude that the competitiveness in 2017 was at a moderate level, in 2016 at a low level. Whereas, in the previous years, there was no real competition in this sector.
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Kayawa, T., and A. Amusa. "Concentration in Botswana's banking sector." South African Journal of Economic and Management Sciences 6, no. 4 (November 15, 2003): 822–47. http://dx.doi.org/10.4102/sajems.v6i4.1524.
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This study examines the degree of competition and efficiency within the commercial banking sector of Botswana. By applying the Herfindahl index, the paper provides an empirical methodology for assessing competition and market concentration among commercial banks. The study also utilises alternative measures of bank input and output by developing simple descriptive indices to assess the level of efficiency in Botswana’s banking sector. Overall, the results indicate that the implementation since 1989, of policies to liberalise and reform financial sector activities has contributed to increased competitiveness and efficiency amongst Botswana’s commercial banks.
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Altunina, L. N. "STATE ANALYSIS OF BANKING SECTOR OF KURSK REGION." Education and Science without Limits: Fundamental and Applied Researches, no. 10 (November 25, 2019): 144–46. http://dx.doi.org/10.36683/2500-249x-2019-10-144-146.
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The state policy aimed at banking system stabilization stipulated the urgency of the research. With developed market competition the primary factor of successful work of any bank is the high competitiveness level of its financial products. The state analysis of banking sector of the region (on the example of Kursk region) to reveal the reserves of competitiveness increase of bank products both nationwide, and in the markets of the regions is especially actual at the present stage of bank development.
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Viadrova, I. M., and M. V. Morozov. "Essence of Competitiveness in the Banking Sector: The Status and Problems." Business Inform 11, no. 514 (2020): 324–30. http://dx.doi.org/10.32983/2222-4459-2020-11-324-330.
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The article is aimed at closer defining the content of the concept of «bank competitiveness», as well as analyzing the status and problems of ensuring a competitive environment in the banking system of Ukraine. The essence of banking competition was researched and a critical analysis of approaches to understanding the concept of «bank competitiveness» was carried out. Under the concept of «bank competitiveness», it is proposed to understand the integral characterization, which will reflect the real and potential opportunities of the bank to create and promote competitive products and services that meet all customer requirements, occupy and maintain stable positions in the banking market. The analysis of the competitive environment in the banking sector of Ukraine was carried out. The distribution of net assets of banks by groups: State-owned, foreign, private and separately PrivatBank is also analyzed. The assessment of the level of concentration in the banking sector was carried out by calculating the Herfindahl-Hirschmann Index by the level of total and net assets, as well as by the market of deposits of individuals. According to the identified dynamics, an unambiguous conclusion was made that the banking sector of Ukraine is low-concentrated. In general, the analysis of the competitive environment showed positive tendencies and an increase in the competitiveness of banks. The problems that continue to adversely affect the level of competitiveness of banks are allocated as follows: significant proportion of the State-owned banks; problems in lending to big business, as well as the generally low level of capitalization of Ukrainian banks compared to foreign credit institutions; the insufficient number of products and services offered by banks compared to foreign banking markets.
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Viadrova, I. M., and M. V. Morozov. "Essence of Competitiveness in the Banking Sector: The Status and Problems." Business Inform 11, no. 514 (2020): 324–30. http://dx.doi.org/10.32983/2222-4459-2020-11-324-330.
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The article is aimed at closer defining the content of the concept of «bank competitiveness», as well as analyzing the status and problems of ensuring a competitive environment in the banking system of Ukraine. The essence of banking competition was researched and a critical analysis of approaches to understanding the concept of «bank competitiveness» was carried out. Under the concept of «bank competitiveness», it is proposed to understand the integral characterization, which will reflect the real and potential opportunities of the bank to create and promote competitive products and services that meet all customer requirements, occupy and maintain stable positions in the banking market. The analysis of the competitive environment in the banking sector of Ukraine was carried out. The distribution of net assets of banks by groups: State-owned, foreign, private and separately PrivatBank is also analyzed. The assessment of the level of concentration in the banking sector was carried out by calculating the Herfindahl-Hirschmann Index by the level of total and net assets, as well as by the market of deposits of individuals. According to the identified dynamics, an unambiguous conclusion was made that the banking sector of Ukraine is low-concentrated. In general, the analysis of the competitive environment showed positive tendencies and an increase in the competitiveness of banks. The problems that continue to adversely affect the level of competitiveness of banks are allocated as follows: significant proportion of the State-owned banks; problems in lending to big business, as well as the generally low level of capitalization of Ukrainian banks compared to foreign credit institutions; the insufficient number of products and services offered by banks compared to foreign banking markets.
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Naumovska, Elena, and Violeta Cvetkoska. "Efficiency of the Macedonian banking sector." Yugoslav Journal of Operations Research 26, no. 3 (2016): 317–29. http://dx.doi.org/10.2298/yjor150228019n.
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The subject of this paper is to measure the efficiency of the Macedonian banking sector by applying two approaches: firstly, comparative analysis on the efficiency indicators of the banking sector in the Republic of Macedonia and the countries of Central and Southeastern Europe (CSEE) and secondly, Data Envelopment Analysis (DEA). The aim is to provide directions and guidelines for further strengthening of the Macedonian banking sector. According to the comparative analysis of the efficiency indicators (net interest margin and operating costs) of the Macedonian banking sector and the countries of CSEE, the countries whose banking sector shows lower operating costs are characterized with a higher level of financial deepening and greater degree of financial intermediation. The high interest margins direct towards unsuitable allocation of financial resources and insufficient competitiveness in the domestic banking sector. When applying the DEA approach, it can be stated that the group of large banks marks the highest efficiency within the Macedonian banking sector. The high concentration degree of banking activities within the group of large banks with a leading role in determining the interest rates, results in a rigid interest policy of the banks. In the direction of strengthening the efficiency of the Macedonian banking sector as a whole, the obtained results show that it is necessary for the banks to be further consolidated so as to utilize the advantages of the economies of scale, increase competitiveness, offer a diversified structure of products, invest in new contemporary software solutions that will allow reinforcement of their employees? productivity and long-term reduction of the operating costs, as well.
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Mamedov, Z. F., E. N. Veliyev, and E. N. Veisov. "Digital transformation of the banking sector of Azerbaijan." Information and Innovations 16, no. 3 (October 28, 2021): 10–20. http://dx.doi.org/10.31432/1994-2443-2021-16-3-10-20.
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Currently, the effectiveness of banks’ activities and their competitiveness in the financial market largely depends on the introduction of the latest banking services and technological processes. This article examines trends in the digitalization of the banking sector in Azerbaijan. The main purpose of the article is to identify key prospects for the development of digital banking in Azerbaijan in the context of the digital economy. As a result of the study, the problems and prospects of using digital technologies in the banking sector were identified.
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Kubus, Renata, Juan Mascareñas Pérez-Iñigo, and Sara González Fernández. "Innovation ecosystems in banking and monetary sector: competitiveness versus sustainability." Mercados y Negocios, no. 41 (December 14, 2019): 19–44. http://dx.doi.org/10.32870/myn.v0i41.7512.
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This paper addresses the innovation ecosystems configuration of the banking and monetary sector, checking its innovation orientation for competitiveness and sustainability. To achieve this objective, the actors’ perspective from the reframed Innovation Helix is applied. The main result is that the Banking and monetary authorities are rather centred on short-term system stability, which at the longer term can be counterproductive in terms of sustainability. Industry is mainly centred on competitiveness however increasingly taking into account the ‘green transition’. The society, academia and natural environment visions are strongly focused on sustainability. Currency innovations are envisaged at all the levels, bringing different proposals which can be complementary and that bring the potential of more bottom-up initiatives, collaboration and sustainability in socioecological dimension. Metamodern prospect enriches the standpoint.
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Egbendewe, Aklesso Y. G., and Djoulassi K. Oloufade. "Good institutions and banking sector competitiveness: A semi-parametric evidence." Finance Research Letters 36 (October 2020): 101342. http://dx.doi.org/10.1016/j.frl.2019.101342.
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Grubišić, Zoran, Sandra Kamenković, and Tijana Kaličanin. "Comparative Analysis of the Banking Sector Competitiveness in Serbia and Montenegro." Journal of Central Banking Theory and Practice 10, no. 1 (January 1, 2021): 75–91. http://dx.doi.org/10.2478/jcbtp-2021-0004.
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Abstract Central banks often use certain concentration indices in their official reports to determine the degree of intensity of competition, of which the most common are the concentration ratio and the Herfindahl-Hirschman index. It is important to emphasize that when calculating the value of these indices, the National Bank of Serbia most often uses the absolute value of assets. In addition to the mentioned indices, the values of the Gini coefficient, Entropy coefficient, Rosenblatt index and graphical representation of the Lorenz curve in the period 2015–2019 are presented in this paper, using the balance sheet position loans and receivables from customers, but not including loans and receivables from banks and other financial organizations. The results of the static and dynamic analysis of concentration indicate that, compared to Montenegro, the banking sector of Serbia is characterized by a larger number of banks, less concentration on the market, and stronger intensity of competition. Although market changes are reflected in a reduced number of banks while a change in the dispersion of market shares affected the change in the market structures of the banking sectors, instability and uncertainty of the analysed sector remained unchanged in the case of both countries.
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Chung, Tinfah, and Ariff Mohd. "Whither competition in Malaysia’s banking industry ex post a restructuring." Journal of Economic Studies 45, no. 2 (May 14, 2018): 263–82. http://dx.doi.org/10.1108/jes-01-2017-0009.
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Purpose The purpose of this paper is to report how banking competition has fared ex post a major consolidation exercise completed during 2002-2004, which led to a complete restructuring of the sector in Malaysia. Nothing is known about the competitiveness of banking system ex post a major consolidation of banks in any country including Malaysia, a middle-income economy. Design/methodology/approach The authors apply two models, the Panzar and Rosse (1997) and the Lerner index (1934). The two competitiveness measures are quite refined, well received by researchers, but has yet been applied to measure banking sector competitiveness of a middle-income country to characterize post-merger behavior using post-global-crisis data set. The data were complemented by documentary analysis, including brand documents, descriptions of internal processes and copies of employee magazine articles. Findings The results indicate that, after 11 years of consolidation, the banking sector is not operating under perfect or monopolistic competition. Malaysia’s banking industry continues to benefit the charter holders at increasingly lower level because a cartel-like environment still provides trade-off of competition costs before 2002/2004 with the costs from a cartel-like industry structures now. There is only a weak evidence that, in recent years, the banking sector is moving toward more competition. Research limitations/implications The chosen area of research is to test the response of the banking sector ex post consolidation after a crisis. It enables researcher to compare results with those of other countries and may not be generalizable. Practical implications The findings reported in this study using corroborating measures for the first time, appear to suggest increasing concentration from consolidation may lead to the undesirable cartel-like industry structure where the exercise of market power in the name of stability may not be welfare promoting. Originality/value This paper fulfills an identified need to study how the banking sector has performed ex post consolidation after a crisis.
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Klutse, Senanu Kwasi. "Competitiveness in the European Consolidated Banking Sector After the 2008 Financial Crisis." Review of Economic Perspectives 20, no. 4 (December 1, 2020): 431–44. http://dx.doi.org/10.2478/revecp-2020-0021.
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AbstractThe constitutional conception of market integration within the European Union entails creating a level playing field for competition in the consolidated banking sector. The financial crisis of 2008 brought with it the need to proceed with care as it rolled back the gains of improving competitive conditions in the financial sector. Even though a lot of studies have investigated competitive conditions prior to the crisis, the same cannot be said of periods after the crisis. Using both structural and non-structural measures of competitive conditions, this study found that the consolidated banking sector in Europe shows signs of a monopolistic competitive market structure based on its revenue and cost measures. As five countries – United Kingdom, France, Germany, Spain, Italy – control about 70 per cent of total assets in the consolidated banking sector. The capital expense to fixed assets and total assets in the Europe area were found to be negatively related to measures of profitability in the sector. They were indicating that the accumulation of assets eats into the incomes of banks in the sub-region, whereas bank exposures may be affecting bank profits.
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Semeko, Galina. "Artificial Intelligence in the Banking Sector: Opportunities and Challenges." Social novelties and Social sciences, no. 2 (2021): 81–97. http://dx.doi.org/10.31249/snsn/2021.02.06.
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The article deals with the problems of using artificial intelligence technologies in the banking sector in the world in general and in Russia in particular. Characterizes the potential of artificial intelligence technologies and their role in increasing the competitiveness of banks in the face of in Creasing competition from new high-tech financial providers. Presentes an analysis of the factors hampering the introduction of artificial intelligence technologies in banks.
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Szczepanski, M., and M. Khmelyarchuk. "DETERMINANTS OF COMPETITIVENESS IN THE BANKING SECTOR OF POLAND AND UKRAINE." Financial and credit activity: problems of theory and practice 3, no. 34 (September 30, 2020): 19–31. http://dx.doi.org/10.18371/fcaptp.v3i34.215349.
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Kuznetsov, A. N. "FORMATION OF COMPETITIVE ADVANTAGES IN THE BANKING SECTOR THROUGH THE USE OF CORPORATE ENTREPRENEURSHIP TOOLS." Business Strategies 9, no. 4 (April 13, 2021): 117–32. http://dx.doi.org/10.17747/2311-7184-2021-4-117-132.
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The competitiveness of credit institutions in the retail banking market lies in their ability to conduct business in this market in order to obtain the highest possible market share and profits. Achieving these goals is linked to the level of operational efficiency and strategic positioning or differentiation of banking services. Consider the tools of corporate entrepreneurship that form competitive advantages in the banking sector.
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Vladi, Besarta. "THE OPEN INNOVATION MODEL: EXPLAINING THE FACTORS THAT HINDER ITS IMPLEMENTATION IN THE ALBANIAN BANKING SYSTEM." CBU International Conference Proceedings 1 (June 30, 2013): 69–74. http://dx.doi.org/10.12955/cbup.v1.16.
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The implementation of an open innovation model is considered by many researchers, to be a great opportunity to help profit-making organizations become more competitive and successful. But some sectors, such as the banking sector, are not able to apply this model. In the Albanian banking sector, the concept of an open innovation model is almost unknown to executive directors. The question is: Why does this happen? The implementation of an open innovation model is strongly affected by cost, short term focus, legislative problems, lack of information, and frequently by a lack of interest in cooperation. As a possible solution for this problem, especially during the financial crisis which has impacted Albanian as well as the rest of the world, raising a strong awareness of the importance of this model could be one route to improve the level of competitiveness in the banking sector.
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Radojičić, Jelena, Mirjana Jemović, and Dejan Dragijević. "An Analysis of Concentration and Competition in the Banking Sector of the Republic of Serbia." Economic Themes 59, no. 4 (December 1, 2021): 427–44. http://dx.doi.org/10.2478/ethemes-2021-0024.
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Abstract The degree of the banking sector concentration is a structural variable and refers to the number of banks in the system and the degree of their market power. The importance of measuring concentration in the banking sector stems from the causal relationship between the market structure and the competitive behaviour of market participants. Traditional models measuring the banking sector competition proceed from the market structure and concentration measures. In contrast, modern approaches to measuring competition rely on non-structural models and analysis of the behaviour of market participants. The paper analyzes the degree of concentration and competition in the banking sector of the Republic of Serbia. The traditional and most frequently used indices, the concentration ratio and the Herfindahl-Hirschman index, are used to measure concentration. The values of these indices show low banking sector concentration but a rise in the observed period. The values of the comprehensive industrial concentration index and the entropy coefficient confirm the concentration absence in the banking sector of the Republic of Serbia. In addition to the usual banking sector concentration measures, the authors use the Linda index to assess the banking sector concentration and competitiveness, to show the absence of an oligopolistic structure in terms of total balance sheet assets, lending and deposit activity of banks.
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Đuranović, Gordana, and Sanja Filipović. "The impact of market concentration on competitiveness of the banking sector in Serbia." Industrija 49, no. 3-4 (2021): 25–45. http://dx.doi.org/10.5937/industrija49-36262.
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The concentration level is proof of development and tendencies on the observed market. It determines the existence of competition and fair play among competitors and participants. This paper aims to analyse and measure the concentration level within the banking sector in the Republic of Serbia. The concentration level is measured applying the concentration ratio for four and five biggest banks (Cr4 and Cr5) and Herfindal-Hirschman index (HH index) in the period from 2018 to the third quarter of 2020 for the following banks' balance sheet positions: assets, approved loans, and collected deposits. The banking market is reported to be medium concentrated according to CR5 and low concentrated according to Cr4 and HHI in all observed categories. The empirical research shows that there is competition among banks in Serbia (loose oligopoly), which depends on the concentration level. Furthermore, the acquired results contribute in the comprehension and perception of the direction in which the Serbian banking sector, as an example of an industry in a small emerging country, is progressing towards a modern financial market through bank consolidation.
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Kuznetsov, A., and A. Pushkin. "RECOMMENDATIONS FOR INCREASING THE COMPETITIVE ADVANTAGES OF SBERBANK THROUGH THE USE OF CORPORATE ENTREPRENEURSHIP TOOLS." Business Strategies 9, no. 6 (June 7, 2021): 180–86. http://dx.doi.org/10.17747/2311-7184-2021-6-180-186.
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The article examines the relationship between the use of corporate entrepreneurship tools and their impact on the competitiveness of organizations in the banking sector. Recommendations for Sberbank to improve the main indicators of banking efficiency are presented, which will lead to an increase in the competitive position of the organization.
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Птащенко, Олена Валеріївна. "РОЗВИТОК МАРКЕТИНГУ БАНКІВСЬКОЇ СФЕРИ НА ЗАСАДАХ КЛІЄНТООРІЄНТОВАНОГО ПІДХОДУ." Bulletin of the Kyiv National University of Technologies and Design. Series: Economic sciences 133, no. 2 (August 19, 2019): 70–78. http://dx.doi.org/10.30857/2413-0117.2019.2.6.
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The article considers the principal components of bank marketing along with providing insights into the bank marketing concept and pathways for its improvement. The study identifies the key trends and stages in bank marketing development. It is emphasized that the current mainstream in the banking sector is closely linked to the on-going processes of automation, computerization, globalization, permanently updated technological tools and advanced banking technologies. Innovations have become an integral part of banking activities and encouraged to implement a range of marketing and logistics concepts to boost the competitiveness of a banking product. Marketing approach in the area of banking provides for the use of such modern innovative marketing concepts as the concept of socio-ethical marketing, the greening concept, the concept of individualization and concept of humanization which help to promote a customer-oriented approach in the context of bank activities. This approach ensures the creation of a positive image of bank institutions and contributes to enhance their competitiveness on the bank services market. The key fundamental principles for the use of customer-oriented approach and the overall customer-oriented marketing policy in the banking sector are the following: increased competition on the financial and bank services market, globalization processes in society, building new principles of providing financial and banking services, etc.
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Stojmenović, Marija. "Analysis of market concentration in the banking sector of the Republic of Serbia." Bankarstvo 50, no. 1 (2021): 134–53. http://dx.doi.org/10.5937/bankarstvo2101134s.
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Analysis and measurement of the level of concentration of the banking market is a significant component of the efficient functioning of the economy, an indicator of the development of both the financial and real sectors and an indicator of the degree of competitiveness in the banking sector. This paper focuses on research and analysis of the level of concentration in the banking market of the Republic of Serbia. The main task and goal of this research is to analyze the level of concentration in the banking market of the Republic of Serbia through the prism of two indicators: the concentration ratio of the five largest banks (CR5) and Herfindahl-Hirschman concentration index (HHI), for the period from 2009 to 2019. The results of the research showed the absence of concentration (overall) in the domestic banking market, but also the existence of a trend (growth of market share of the five largest banks) which indicates that, in the future, there could be distortions of competition.
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Poshakwale, Sunil S., and Binsheng Qian. "Competitiveness and Efficiency of the Banking Sector and Economic Growth in Egypt." African Development Review 23, no. 1 (March 2011): 99–120. http://dx.doi.org/10.1111/j.1467-8268.2010.00275.x.
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MAIBA, Yuliya. "COMPETITIVENESS OF THE BANKING SECTOR OF UKRAINE: ITS NATURE AND FORMATION MECHANISM." CHERKASY UNIVERSITY BULLETIN: ECONOMICS SCIENCES, no. 2 (2020): 53–66. http://dx.doi.org/10.31651/2076-5843-2020-2-53-66.
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Maltsevich, Natallia, Тatiana Рrokhorova, and Elena Oshurkevich. "DIGITAL PATH TO SUSTAINABILITY THE BANKING SECTOR OF BELARUS." Economic discourse, no. 1-2 (May 31, 2021): 82–91. http://dx.doi.org/10.36742/2410-0919-2021-1-9.
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Introduction. The article examines the functioning of digital technologies in the banking sector of the Republic of Belarus; the emphasis is on the development of remote banking services and the formation of a national model of secure payments. The necessity of introducing banking innovations in the digital economy to transform the format of banking services is substantiated and promising areas of digital transformation that contribute to the sustainable development of the banking system of Belarus are analysed. Methods. The methods of theoretical generalization and empirical methods were applied in the course of the research to determine the foundations for building approaches to the digital path of sustainable development of the banking sector at the present stage; the systemic and structural method was applied to highlight the current positions of the digital transformation of the banking sector and ways to increase its stability and efficiency. The task of this scientific work is to find relevant directions for the development of banking activities in the context of the introduction of inno-vations in the modern digital economy. Results. The key dominants of the introduction of banking innovations in the digital economy are evaluated, taking into account the directions of the formation of cross-channel banking infra-structure. The necessity of introducing banking innovations in the digital economy to transform the format of banking services aimed at ensuring sustainable development has been substantiated. Discussion. The need to implement and actively apply banking innovations in the digital econ-omy to transform the format of banking services in order to ensure sustainable development of the banking sector in Belarus. In the future, the sustainable development of the banking system in the direction of introducing innovations will ensure the competitiveness of banking products and services in comparison with neobanks and fintech projects, taking into account the substantiated directions for the development, regulation and implementation of banking innovations in the digital economy. Keywords: banking services, digital technologies, innovative trends in banks.
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Kholiavko, N. I., and O. M. Kozlianchenko. "Global Trends in the Banking Sector Digitalization." PROBLEMS OF ECONOMY 2, no. 48 (2021): 217–24. http://dx.doi.org/10.32983/2222-0712-2021-2-217-224.
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The article is aimed at identifying global trends in using modern information technologies in the banking sector, which were formed under the influence of digitalization of the economy. Digitalization is one of the main trends in global economy. Digital transformation has become relevant for business in various areas of economic activity, and the banking sector is not any different. The introduction of a bank card is considered to be the initial stage of the banking sector digitalization. At the present stage of development, banks have a wide range of tools to digitalize their activities, from office operations to customer service, to credit portfolio management, and to risk management. Today, the world's leading banks of various ownership forms can create digital currencies. The most widespread digital technologies in the banking sector are: mobile technologies, "big" data, blockchain, "cloud" technologies, artificial intelligence, the Internet of Things. The application of the outlined technologies allows banks to optimize work processes, reduce operating costs, provide high service rate and convenience for customers, and also generate innovations and bring new banking products on the market. Digitalization makes it possible to track the customer base in real time, to form personalized sets of services for consumers, to restructure revenues and manage the bank’s credit risks. The authors conclude that digitalization is a non-alternative way for a modern bank to develop. Digitalization, introduction of information technologies, and the creation of innovative products are the factors determining a bank's competitiveness in the modern market.
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Stolarska, Agnieszka. "Innovative products and services in the Polish banking sector." Zeszyty Naukowe Wyższej Szkoły Humanitas Zarządzanie 19, no. 2 (June 30, 2018): 35–47. http://dx.doi.org/10.5604/01.3001.0012.2037.
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Competition requirements and the desire to succeed are encouraging banks to continually seek new products and services. Technology development enables banks to in¬troduce new technologies, optimize delivery processes, and create the basis for information exchange and sales across all distribution channels. It is often the brake of innovation that ensures the right level of security. This is mainly due to the specificity of the institution, which is the bank and the need to maintain the confidence of the public. The aim of the study is to analyze selected banking innovations on the example of banks. The types of inno¬vations in the banking sector will be discussed and their significance for the competitiveness of the bank will be assessed.
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Vasilenko, O. A. "Trends and Prospects of Development of Financial Innovations in the Russian Banking Business." World of new economy 13, no. 2 (December 8, 2019): 80–89. http://dx.doi.org/10.26794/2220-6469-2019-13-2-80-89.
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The relevance of the article is because the modern development of the Russian banking business takes place in the context of increased competition and crisis phenomena in the financial markets. The policy of constant innovations is one of the main factors for the successful development of banking activity. Financial innovation is a crucial factor in the competitiveness and sustainable development of the banking sector. Of particular relevance is the study of trends, based on which the development of the innovative activity of banks and non-bank credit organisations is currently taking place, as well as the determination of the specifics of the innovation process in the banking sector.The purpose of the article is to conduct research on the current state of the most popular at the present stage financial innovations in the banking sector, identify trends in their development, and determine the future directions for the development of financial innovations in the Russian banking business. In this paper, we analysed analytical information, which allowed us to identify trends in the development of financial innovations in the banking sector, and determine their role in the development of the banking sector in Russia. In the course of the study, the author used the methods of analysis, synthesis, the complexity of the approach, comparison, consistency, and other methods of cognition. Based on the research results and personal experience in the development and implementation of new banking products at Unistream CB, the author predicts the future directions of development of financial innovation in the banking business.The author concludes that their introduction has an influence on the transformation process in the real and financial sectors of the Russian economy, and contributes to the organisation of their effective interaction, accelerates the development of the entire economic system of the country.The main objectives of the development of financial innovations in the banking sector at the present stage are the development and implementation of new banking products. It requires further study of the theoretical and practical aspects of introducing financial innovations, a detailed analysis of domestic and foreign experience, and needs implementation of knowledge gained in practice to modernise and organise productive interaction financial and real sectors of the Russian economy.
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Shageeva, Gulnara R. "CORPORATE GOVERNANCE IN THE BANKING SECTOR UNDER SANCTION RESTRICTIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4/1, no. 124 (2022): 54–59. http://dx.doi.org/10.36871/ek.up.p.r.2022.04.01.006.
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The article describes the real economic situation faced by the Russian Federation as a result of the special operation in Ukraine. The United States and the EU have imposed unprecedented sanctions that destroy the economic structure of the Russian state, as well as imposing restrictions in such areas and spheres as sports, education, science, health and culture. The greatest emphasis is placed on what sanctions financial and credit institutions had to face. The principles of corporate governance in economic challenges and crisis situations for a more effective response to risks and problems are described. A well-structured policy against sanctions, the development of its own industry, as well as an effective corporate governance strategy will help not only preserve state sovereignty, but also strengthen the state, increase its competitiveness on the world stage.
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SHIRINYAN, Aram, and Lada SHIRINYAN. "COMPETITIVENESS OF UKRAINE’S BANKING SERVICES MARKET: SCALE FACTOR." Economy of Ukraine 2019, no. 2 (February 16, 2019): 37–48. http://dx.doi.org/10.15407/economyukr.2019.02.037.
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The need for effective development of Ukraine’s banking services market under conditions of expansion of foreign capital and international business rules requires the presence of competitive advantages of the national suppliers of banking services. In this context and from the point of view of the European integration processes in Ukraine’s economy, the development of modern tools of prudential supervision by the authorized bodies is becoming relevant. The authors for the first time define the concept of competitiveness of the banking services market and analyze this competitiveness from the standpoint of estimation and comparison of the market indicators set of one country over aggregate indicators of corresponding markets of other countries. A new unified methodology of complex estimation of the competitiveness of the banking services market based on the system of quantitative assessments and criteria is developed. The presented research covers the following points of the analysis of the market: territorial borders, capacity and scales; density and compactness of banks and branches; openness of the market; capacity and importance of services; density of income and services; entry and exit barriers; capitalization limits of banks; level of development of innovative services. The approach with regard to the scale factor analysis of Ukraine’s banking services market for 2007–2017 is approved. The comparison of data and quantitative indices of Ukraine’s banking services market with the corresponding indices of other commensurate countries of euro-zone and world countries is performed. The place of Ukraine’s banking services market at the international level is determined. Such a comparison is provided in the context of markets in the countries with developed and transition economies. It is found that at the world level and within the euro-zone, Ukraine’s banking services market corresponds to a small scale; the heterogeneity and disproportionality of services within the country are present; there exist approximately equal influences of residents and foreign owners of banks; the market has high entry barriers for new players and is at the beginning stage of the digital revolution. Bankruptcy of the largest bank will be tangible for the banking sector of Ukraine, but not destructive for the financial system of the country.
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Voinova, Yevheniia. "The competitiveness of Ukraine’s banks in the world banking market." Herald of Ternopil National Economic University, no. 4(90) (December 12, 2018): 81–98. http://dx.doi.org/10.35774/visnyk2018.04.081.
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The article examines the market of banking services in Ukraine through comparing indicators of competitiveness of Ukrainian banks and banks with foreign capital in the domestic market and global market. Taking into account the network-type structure of banks, six groups of banks are determined according to the degree of branching, namely: systemically important banks, all-Ukrainian equilibrium banks, all-Ukrainian concentrated banks, regional banks, local individual banks, closed banks. A particular emphasis is placed on a range of banking services and pricing policies of banks groups. The classification of factors developed by M. Yokoi-Arai and N. Yoshino is used in order to assess the competitiveness of Ukraine’s banks in terms of effectiveness and volume of services provided, information technology and resource management. About fifty indicators of banking activites performed by groups of banks with domestic and foreign capital are compared, and also best-performing banks in these groups are described based on the analysis of 82 operating banks in Ukraine. The article presents evidence that, under current conditions in Ukraine, banks with domestic and foreign capital are represented in all categories of banking services. It is pointed out that the highest competitiveness of Ukraine’s banks is observed in developing the network of ATM terminals, promoting Internet banking and, thus, a wide coverage of banking services. It is noted that Ukraine’s banks are less competitive in providing services for big businesses, international companies, funding projects, innovations and start-ups. The findings of the research paper can be useful for educational purposes as well as for professionals in the banking sector.
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Hendrawan, Riko, and Azhar A. Nasution. "Assessing Banking Profit Efficiency Using Stochastic Frontier Analysis." Journal of Finance and Banking Review Vol. 3 (4) Oct-Dec 2018 3, no. 4 (December 10, 2018): 67–76. http://dx.doi.org/10.35609/jfbr.2018.3.4(5).
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Objective - The banking sector plays an important role in the Indonesian economy. The sustainability of the Indonesian banking sector will depend on the ability of every banking institution to maintain their competitiveness. Banking competitiveness is reflected in the level of efficiency of the banking system itself. Methodology/Technique - The purpose of this research is to assess the efficiency of 21 banks on the IDX between 2008-2017 using Stochastic Frontier Analysis. Findings - The findings of this research show a maximum efficiency score of 0.69 and the bank's average score among the research sample with the input and output allocation which can generate profits is 0.69 - 0.43 = 0.26. Overall, the banking sector in the Indonesian capital market between 2008 - 2017 recorded an efficiency score of 0.43. With this score, the banking system in the Indonesian capital market is still considered to be inefficient (0.43 <0.5). The results also demonstrate that the distribution of efficiency scores polarized in two poles. In the first pole, there were 11 banks that had a relatively good efficiency score (> = 0,5) and in the second pole, there were 10 banks with low efficiency scores (less than 0.5). Novelty – From the results, it can be concluded that several output variables, such as total loans (Y1) and securities (Y3), and input variables such as prices of labor (W2) and inflation (Z), have a significant effect on banking profits. Meanwhile, input variables such as the price of fund variables or the total funds (W1) and the price of physical capital were reflected in the depreciation of fixed assets (W3), and the output variables of income and interest (Y2) had an insignificant effect on bank profits. Type of Paper - Keywords: Bank Efficiency; IDX, Stochastic Frontier Analysis, Indonesia. JEL Classification: G10, G14, G19.
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LEE, BOON L., ANDREW C. WORTHINGTON, and WAI HO LEONG. "MALMQUIST INDICES OF PRE- AND POST-DEREGULATION PRODUCTIVITY, EFFICIENCY AND TECHNOLOGICAL CHANGE IN THE SINGAPOREAN BANKING SECTOR." Singapore Economic Review 55, no. 04 (December 2010): 599–618. http://dx.doi.org/10.1142/s0217590810003948.
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By the end of the 1990s, the Singaporean government had recognised the need to open up its banking sector so as to remain competitive in the global economy. The Monetary Authority of Singapore (MAS) thus began deregulation of the banking sector in 1999 to strengthen the competitiveness of local banks relative to their foreign competitors through mergers. This paper employs a nonparametric Malmquist productivity index to provide measure of productivity, technological change and efficiency gains over the period 1995–2005. The findings reveal some total factor productivity growth associated with deregulation and scale efficiency improvement largely from mergers amongst the local banks.
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Truong, Khanh Van, and Loc Bich Tram. "Unsolved Problem in Human Resources Qualities of Vietnamese Banking Industry in Integration." Journal of Business and Economics 9, no. 5 (May 20, 2018): 433–38. http://dx.doi.org/10.15341/jbe(2155-7950)/05.09.2018/005.
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Economic integration become the inevitable trend of all countries around the world brings not only opportunities but also challenges for all aspects of society, especially the banking sector. Meanwhile, workforce in Vietnamese banking sector has been not only insufficient but also leftovers, which creates unsolvable problems for unemployment in the current period and for the competitiveness of the sector in near future. After conducting research in many different aspects, this paper finds out the main reasons why banker resources have not met the requirements of society, which can be summarized as follows: management methods of State agencies have only been implemented for form’s sake and their development planning is not appropriate for economic environment; most of training facilities focus on scale rather than the quality; the way of doing business of some banks creates a lot of potential risk but they have no appropriate management mechanism; and students majoring in banking sector have negligent learning attitude and deviant thinking of their career in future.
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Shcherbakova, Natalia. "Digital Technologies in the Russian Banking Sector: Main Features and Associated Risks." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 2021, no. 1 (March 31, 2021): 136–46. http://dx.doi.org/10.21603/2500-3372-2021-6-1-136-146.
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The present paper features Russian loan banks that use new information and digital banking technologies. The research involved various methodological approaches, including a systematic approach to the analysis of modern banks. The method of comparative analysis made it possible to interpret various indicators of the activities of loan banks. The method of dynamic analysis helped to identify the main trends in the development of the Russian banking sector. The research objective was to identify the main trends and key problems in the digitalization of the Russian banking sector and the risks that accompany the process. The author believes that digital technologies will increase the country's competitiveness and boost its economic development. Digital economy involves the introduction of new technologies in the banking sector, e.g. e-money, digital signature, contactless payment, blockchain technology, the Internet of things, etc. The usual approaches to customer service are being replaced by advanced practices, as the traditional bank is gradually turning into a multifunctional IT company. However, cyber risks are also growing, and their management requires new approaches.
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SHIRINYAN, Aram, and Lada SHIRINYAN. "COMPETITIVENESS OF UKRAINE’S BANKING SERVICES MARKET: SCALE FACTOR (the end)." Economy of Ukraine 2019, no. 3 (April 2, 2019): 35–51. http://dx.doi.org/10.15407/economyukr.2019.03.035.
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The need for effective development of Ukraine’s banking services market under conditions of expansion of foreign capital and international business rules requires the presence of competitive advantages of the national suppliers of banking services. In this context and from the point of view of the European integration processes in Ukraine’s economy, the development of modern tools of prudential supervision by the authorized bodies is becoming relevant. The authors for the first time define the concept of competitiveness of the banking services market and analyze this competitiveness from the standpoint of estimation and comparison of the market indicators set of one country over aggregate indicators of corresponding markets of other countries. A new unified methodology of complex estimation of the competitiveness of the banking services market based on the system of quantitative assessments and criteria is developed. The presented research covers the following points of the analysis of the market: territorial borders, capacity and scales; density and compactness of banks and branches; openness of the market; capacity and importance of services; density of income and services; entry and exit barriers; capitalization limits of banks; level of development of innovative services. The approach with regard to the scale factor analysis of Ukraine’s banking services market for 2007–2017 is approved. The comparison of data and quantitative indices of Ukraine’s banking services market with the corresponding indices of other commensurate countries of euro-zone and world countries is performed. The place of Ukraine’s banking services market at the international level is determined. Such a comparison is provided in the context of markets in the countries with developed and transition economies. It is found that at the world level and within the euro-zone, Ukraine’s banking services market corresponds to a small scale; the heterogeneity and disproportionality of services within the country are present; there exist approximately equal influences of residents and foreign owners of banks; the market has high entry barriers for new players and is at the beginning stage of the digital revolution. Bankruptcy of the largest bank will be tangible for the banking sector of Ukraine, but not destructive for the financial system of the country.
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Anđelinović, Mihovil, Mihaela Milec, and Ksenija Dumičić. "Analysis of the Assets, Credits and Deposits Concentration within the Croatian Banking System based on Selected Concentration Indices." Journal of Central Banking Theory and Practice 11, no. 1 (January 1, 2022): 131–50. http://dx.doi.org/10.2478/jcbtp-2022-0006.
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Abstract This paper analyses the concentration of the banking system in Croatia and the impact of concentration on stability of the economic system as a whole over the period since 2002 to 2017. The level of concentration is usually related to the competitiveness of a particular sector, in this case the banking system, which affects the development and health of the country's entire economic system. The banking system, as the basis for the development of all other sectors of the economy, has been analysed here in the context of the concentration trend and efficiency in the selected time period using selected concentration indices: Concentration Ratio, Herfindahl-Hirschman Index, the Gini coefficient and the entropy measure using the variables of total assets of banks, loans granted, and received deposits. This research concludes that in the considered period of nearly 20 years, Croatia was among the EU countries with increased concentration level of the banking system.
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Osei Boakye, Augustine, Joseph Fiakpornu, Samuel Yeboah, and Prince Addai. "Effect of Job Demand and Support on Work-Family Conflict in Selected Banking Institutions in Ghana." SEISENSE Business Review 2, no. 1 (January 17, 2022): 1–12. http://dx.doi.org/10.33215/sbr.v2i1.757.
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Purpose: This study investigated the effect of job demand and job support on employees' work-family conflict. Of paramount interest was to verify whether work-family conflict differed among male and female employees in the banking sector of Ghana. Design/Methodology: This study used a descriptive survey design and a quantitative approach to collect data from banking institutions with the help of a standardized questionnaire. The independent sample t-test and multiple regression were used to analyze the data. Findings: The study results showed that job demand had a positive effect on work-family conflict while job support also had a negative effect on work-family conflict. The study also revealed no significant difference in the experience of work-family conflict among males and females in the banking sector of Ghana. Practical Implications: The study's findings indicate that for employees in the banking sector of Ghana to contribute their quota towards the competitiveness of their banks, there is the need for their work-family interface to be aligned appropriately through family-friendly policies, realistic job targets, and substantial work-resources.
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Winnefeld, Christoph H., and Anja Permantier. "FinTech - The digital (R)Evolution in the German Banking Sector?" Business and Management Research 6, no. 3 (September 20, 2017): 65. http://dx.doi.org/10.5430/bmr.v6n3p65.
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During the last years, the German banking sector has faced major changes due to significant progress in the technological sector and hence an increased digitalization in many areas. Changing consumer behavior and customer needs force credit institutions to adjust to these developments in order to maintain their competitiveness. An enlarged number of new financial technology (FinTech) corporations started providing financial services comparable to the ones conventional banks offer. In this context, especially the topic of robo-advice is becoming more and more relevant. Robo-advisors can be defined as digital platforms that provide automated, algorithm-driven financial planning services with little to no human supervision. In our article, we investigate robo-advisors as part of the FinTech movement and in particular analyze the eligibility of digital investment advisory service as potential alternative to conventional asset management. We specifically emphasize the influence that FinTech companies and innovations have on the German banking sector.
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Sitnikova, Elvira, Tatyana Kolmykova, Irina Tretyakova, and Darya Lobacheva. "Assessment of Competitiveness Factors of an Agent of the Financial Environment: Methodology and Comparative Analysis." SHS Web of Conferences 110 (2021): 01006. http://dx.doi.org/10.1051/shsconf/202111001006.
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The functioning of the banking sector of the economy in the world is characterized by a decrease in its capital intensity due to a decrease in the concentration of foreign capital, a deterioration in the quality of the loan portfolio, an outflow of urgent deposit resources and the receipt of significant losses by banking institutions during the COVID-19 pandemic. Taking into account the current trends in the spread of the virus, the development and implementation of fundamentally new approaches to anti-crisis management in the banking sector of both the world economy and Russia is of great importance today. The COVID-19 pandemic came as a big shock to the global and European economies. While banks are not hit by the pandemic as directly as other retail institutions, they are in the public eye as they provide funding to corporations and individuals. Their stability is crucial for maintaining the efficiency of the entire economic system, not only of a particular country, but also of the world. Currently, the need for a comprehensive study of the competitiveness of a commercial bank is determined by the objective modern conditions of the life of banks operating in a competitive environment. The article proposes the author’s methodology for assessing the competitiveness of a commercial bank, which includes five groups of indicators, which makes it possible to identify not only problematic, but also stable areas of activity. The proposed method for calculating the integral indicator for assessing the competitiveness of a commercial bank has been tested on the example of Russian Agricultural Bank and Sberbank, and a set of measures has been developed to increase the level of competitiveness of a commercial bank.
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Petrović-Ranđelović, Marija, Snežana Colić, and Branka Stojanović-Ranđelović. "The importance of socially responsible business of the banking sector for achieving sustainable development: The example of the Republic of Serbia." Economics of Sustainable Development 6, no. 1 (2022): 11–24. http://dx.doi.org/10.5937/esd2201011p.
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The strategic approach to socially responsible business is necessary for increasing competitiveness and achieving sustainable development goals. Banks as intermediate financial institutions play a significant role in respecting all principles and mechanisms of socially responsible business. In modern business conditions, sustainable banking has become a global phenomenon. The concept of sustainable development effects the banking reorientation towards provision of new banking services and creating new, green, banking operations. Green banking contributes to achieving both profit and expanding social and environmental goals. Therefore, the focus of this paper is on the analysis of the development level of green banking and finance in the Republic of Serbia, as part of the strategy of socially responsible business and sustainable development of banks in Serbia. The goal is to point out the current level of development of social responsibility and environmental awareness of banks and their clients, on the activities that banks conduct environmentally, but also on the development of green banking development in the domestic financial market.
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OBRIMAH, OGHENOVO ADEWALE, and CHIDINMA EDITH EBERE. "CONSOLIDATION WITHIN THE BANKING SECTOR AND SAVINGS DEPOSITS: EFFECTS ON LIQUIDITY, OUTPUT, AND PROFITABILITY WITHIN THE NIGERIAN ECONOMY." Annals of Financial Economics 10, no. 01 (June 2015): 1550001. http://dx.doi.org/10.1142/s2010495215500013.
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In this study, we find savings deposits have contributed significantly to the effectiveness of regulation induced consolidation within the banking sector in so far as improvements in banking system structure, output, profitability and competitiveness are concerned. Specifically, we find savings deposits are key parameters in the transition from a banking structure within which profitability is primarily determined by liquidity during the pre-consolidation period (2007–2008) to a banking structure within which profitability is primarily a function of loan portfolio growth (output) during the post-consolidation period (2010–2012). In spite of the increase in importance of savings deposits for banking system competition, output, or profitability during the post-consolidation period, savings deposit rates have decreased by about 50% between the pre- and post-consolidation periods. Interest rates on savings deposits also do not lie on the efficiency frontier for loan production. Combined, our findings indicate the benefits of consolidation that accrue from savings deposits have yet to translate into social welfare benefits for banks' retail customers.
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Cipovova, Eva, and Jaroslav Belas. "Assessment of Credit Risk Approaches in Relation with Competitiveness Increase of the Banking Sector." Journal of Competitiveness 4, no. 2 (June 30, 2012): 69–84. http://dx.doi.org/10.7441/joc.2012.02.05.
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