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Статті в журналах з теми "ANZ Bank"
1
FARIZ, FARIZ, and TUTIK WINARSIH. "PERANCANGAN MODEL INTEGRASI PBSC DAN OBSC UNTUK MENENTUKAN PRIORITAS TINDAKAN PERBAIKAN PADA BANK ANZ INDONESIA DIVISI SALES COMMERCIAL BANKING." MAPAN: Jurnal Manajemen Akuntansi Palapa Nusantara 1, no. 1 (January 1, 2017): 9. http://dx.doi.org/10.51774/mapan.v1i1.8.
Повний текст джерелаАнотація:
Setiap perusahaan akan dengan mudah memperoleh sumberdaya yang diinginkan kapan dan dimanapun sumberdaya tersebut tersedia dengan perbaikan kinerja pribadi dan organisasi secara berkelanjutan dimana penerapan Total Performance Scorecard (TPS) melalui PBSC serta OBSC dapat dijadikan sebagai senjata utama bagi Bank ANZ Indonesia Divisi Sales Commercial Banking.Tujuan penelitiannya adalah perancangan model integrasi PBSC dan OBSC untuk menentukan prioritas tindakan perbaikan pada Bank ANZ Indonesia Divisi Sales Commercial Banking dengan penelitian berbentuk Description research dimana memberikan gambaran secara tepat keadaan atas gejala tertentu untuk menentukan adanya hubungan antara suatu gejala dengan gejala yang lain. Perbaikan pribadi karyawan pada perspektif internal yang menjadi prioritas adalah terus melakukan kegiatan, tetapi menetapkan batas waktu secara ketat, sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama yang menjadi prioritas adalah mengatur pengembangan organisasi secara lebih efisien.Perbaikan pribadi karyawan pada perspektif ekternal yang menjadi prioritas adalah mengembangkan pengetahuan dalam bidang manajemen khususnya keuangan dan pemasaran,sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama menjadi prioritas adalah mengembangkan program untuk pemasaran berorientasi tujuan. Tentunya, hal ini dapat dikatakan bahwa pada perspektif internal terdapat keselarasan.Pada perspektif pengetahuan dan pembelajaran yang menjadi prioritas adalah lebih proaktif, lebih efektif, lebih berfokus pada hasil dan bertindak lebih persuasif, sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama menjadi prioritas adalah melakukan wawancara perencanaan, pelatihan dan penilaian dengan karyawan berdasarkan rencana kinerja perorangan dan profil kemampuan. Tentunya, hal ini dapat dikatakan bahwa pada perspektif pengetahuan dan pembelajaran terdapat keselarasan dalam hal pelaksanaan.Pada perspektif keuangan dapat dilihat tindakan perbaikan pribadi karyawan yang menjadi prioritas adalah mencari strategi investasi yang terbukti berhasil, sedangkan pada perbaikan Bank ANZ Indonesia secara organisasi dengan perspektif yang sama menjadi prioritas adalah menutup unit bisnis yang tidak menguntungkan. Tentunya, hal ini dapat dikatakan bahwa pada perspektif keuangan terdapat keselarasan dalam hal pelaksanaan serta tujuan yang ingin hendak dicapai
2
Stockport, Gary J., Michelle Godley, Dion Guagliado, Olivia Leung, Ben Mercer, Gajendra Varma, and Shaun Wong. "ANZ Bank: Building a Strategy for Asia." South Asian Journal of Business and Management Cases 1, no. 1 (June 2012): 31–41. http://dx.doi.org/10.1177/227797791200100104.
Повний текст джерелаАнотація:
This case considers the Super Regional Strategy adopted by the Australian and New Zealand Banking Group (ANZ) under the leadership of CEO Mike Smith from October 2007 to early 2011. The Super Regional Strategy had the goal of deriving 20 per cent of ANZ’s profit from the Asian region by 2012 and between 25 and 30 per cent of profit by 2017. This strategy was a significant departure from the relative safety of the Australian banking sector and necessitated significant organizational changes. Not without risk or critics, ANZ is still in the formative stages of its strategy which will be a decade or more in the making. This article documents some of the changes to date.
3
Winarsih, Tutik. "Perancangan Model Peningkatan Kinerja Pada PT. Bank ANZ Indonesia." JURNAL ILMIAH EDUNOMIKA 5, no. 2 (June 30, 2021): 824. http://dx.doi.org/10.29040/jie.v5i2.2681.
Повний текст джерелаАнотація:
This research abstract aims to design the integrity model of PBSC and OBSC in determining the priority of corrective action at ANZ Bank Indonesia Sales Comercial Banking Division. This study uses qualitative approach with case study method. The type of research used in this study is a type of 'description research'. Design research design of PBSC and OBSC integration model to determine the priority of corrective action at ANZ Bank Indonesia Sales Commercial Banking Division. The results showed that in the external perspective of improvement of ANZ Indonesia Bank organizationally with the same perspective becomes a priority is to develop programs for goal-oriented marketing. In the perspective of knowledge and learning organizationally with the same perspective the priority is to conduct planning interviews, training and assessments with employees based on individual performance plans and capability profiles. In a financial perspective the priority is to close an unprofitable business unit.
Keywords: TPS, Organizational Balanced Scorecard, PBSC, Perspective Internal, External, Knowledge and Learning, Finance
4
Setiawati, Melia Gripin Setiawati. "Analisis Sistem Informasi Aplikasi Online Kartu Kredit Menggunakan Metode SERVQUAL." Jurnal Telekomunikasi dan Komputer 6, no. 2 (February 27, 2017): 103. http://dx.doi.org/10.22441/incomtech.v6i2.1151.
Повний текст джерелаАнотація:
Kemudahan, efisiensi, ketepatan, kecepatan, simple serta flexibilitas menjadi pertimbangan para pelaku kegiatan untuk menggunakan kartu kredit diera globalisasi saat ini. Ada beberapa cara yang bisa dilakukan untuk pengajuan kartu kredit seperti melalui direct selling, telemarketing dan aplikasi online. Dari ketiga cara tersebut aplikasi online menjadi salah satu cara yang paling mudah dalam pengajuan aplikasi kartu kredit Kunci permasalahan pada penelitian ini yakni terkait dengan kualitas layanan yang diberikan apakah cukup memberikan pemahaman terhadap calon customer sehingga terjadi peningkatan dalam kartu kredit di ANZ Bank serta layanan seperti apa yang diharapkan oleh customer.Metode penelitian yang digunakan adalah metode deskriptif analis dengan pengumpulan data dilakukan dengan menyebarkan kuesioner kepada 150 responden, metode pengambilan sampel menggunakan metode servqual, skala likert, SEM amos 18. Berdasarkan analisis yang telah dilakukan didapatkan bahwa kualitas layanan Aplikasi Online seperti tampilan, pelayanan marketing, tarif, teknologi yang digunakan pada aplikasi online sangat mempengaruhi kepuasan customer yang berdampak pada peningkatan customer kartu kredit ANZ.
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Khan, Shahbaz, Nida Baig, Shahzad Hussain, and Ajid Ur Rehman. "Strength of Bank-Firm Nexus: Evidence from Islamic and Conventional Banks." Journal of Islamic Business and Management (JIBM) 10, no. 01 (June 30, 2020): 96–109. http://dx.doi.org/10.26501/jibm/2020.1001-007.
Повний текст джерела
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Taqi, Dr Mohd, and Maj S. M. Mustafa. "Financial Analysis of Public and Private Sector Banks of India: A Comparative Study of Punjab National Bank and HDFC Bank." International Academic Journal of Business Management 05, no. 01 (June 14, 2018): 26–47. http://dx.doi.org/10.9756/iajbm/v5i1/1810003.
Повний текст джерела
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Vaškelaitis, Vytautas. "Nepriklausomas centrinis bankas." Teisė 72 (January 1, 2009): 198–208. http://dx.doi.org/10.15388/teise.2009.0.275.
Повний текст джерелаАнотація:
Straipsnyje analizuojama centrinio banko nepriklausomumo problema istoriniu, teoriniu ir taikomuoju požiūriais. Iškeliami nepriklausomumo argumentai, atskleidžiama jo esmė, apibrėžiamos nepriklausomumo ribos, aptariamas veiklos skaidrumas. Prieinama prie išvados, kad centrinis bankas turėtų būti nepriklausomas nuo vyriausybės, kartu jo veiklą derinant su įstatymų leidžiamuoju ir vykdomuoju valstybės institutais. Tyrimo kontekste nagrinėjami pokyčiai, susiję su Europos ekonominės ir pinigų sąjungos susikūrimu, nepriklausomumo dimensija Europos centrinių bankų sistemos formate. Nustatoma, kad šiomis sąlygomis kai kuriose srityse nacionaliniai centriniai bankai turi savarankiškumą, kitose – Europos centrinis bankas naudojasi nacionalinių centrinių bankų paslaugomis, be to, Europos centrinis bankas veikia visiškai savarankiškai. The article analyzes the problem of central bank independence a historical, theoretical, and practice terms. The independence of the arguments raised, disclosed in its essence, defines the limits of independence, the transparency of the operation in question. Accessible to the conclusion that the central bank should be independent from the government, while its activity in combination with the legislative and executive state institutions. The study examined the context of changes in European economic and monetary union within the independence dimension of the European System of Central Banks in format. Determined that under these conditions in some areas of the national central banks have independence, the other – the European Central Bank uses the services of national central banks, in addition to another – the European Central Bank is fully independent.
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Alzoubi, Tariq. "Determinants of bank profitability: Islamic versus conventional banks." Banks and Bank Systems 13, no. 3 (September 12, 2018): 106–13. http://dx.doi.org/10.21511/bbs.13(3).2018.10.
Повний текст джерелаАнотація:
This research analyzes the determinants of bank profitability by investigating the internal factors that affect the profitability of Islamic banks and conventional banks. It then compares the results from the two types in order to understand how they differ from each other. As previous researchers focus on either Islamic or conventional banks, this research will analyze both by comparing how they are each influenced by profitability factors. Few researches have attempted to compare the profitability of Islamic and conventional banks using a relatively small sample. This research uses a fixed effect panel data analysis on a large sample of 68 banks (42 Islamic and 26 conventional banks) from 13 MENA countries, covering the period of 2006 until 2016. Using several variables, including bank size, equities to assets, loans to assets, deposits to assets, cash to assets and securities to assets, the results show that bank size, equities to assets and deposits to assets have a significant positive effect on Islamic banks’ profitability, while they have a significant negative effect on conventional banks’ profitability; loans to assets and cash to assets have no effect on bank profitability for either Islamic or conventional banks; and securities to assets has a significant negative effect on Islamic banks’ profitability, while it has a significant positive effect on conventional banks’ profitability. The results also show that bank size, equities to assets, deposits to assets and cash to assets contribute more to Islamic banks’ profitability compared to conventional banks, while loans to assets and securities to assets contribute more to conventional banks’ profitability compared to Islamic banks.
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Festić, Mejra. "THE ROLE OF THE FOREIGN BANKS IN THE 5 EU MEMBER STATES / UŽSIENIO BANKŲ VAIDMENS 5 EUROPOS SĄJUNGOS VALSTYBĖSE TYRIMAS." Journal of Business Economics and Management 13, no. 1 (February 21, 2012): 189–206. http://dx.doi.org/10.3846/16111699.2011.620156.
Повний текст джерелаАнотація:
The article tests if foreign banks have lowered their market share in the Baltic States, Romania and Bulgaria during the recent financial crisis after 2007, due to the perception of risk exposure in local markets. It has been proved that, the credit supply by foreign banks in the Baltic States, Romania and Bulgaria has remained relatively stable during the latest crisis by TSLS method. Foreign ownership generally utilizes derivative products more than domestic banks in the NMSs because they have more expertise in hedging and can diversify risks effectively with their larger parent banks in their home country. The reaction of foreign banks abroad depends on the capital adequacy of the parent bank and the business opportunities in the host economies. Santrauka Straipsnyje analizuojamas užsienio bankų vaidmuo penkiose Europos Sąjungai priklausančiose valstybėse – Baltijos šalyse, Rumunijoje ir Bulgarijoje. Autorius tyrimui pasirinko užsienio bankų užimamos rinkos dalies vertinimą ir ekonomikos krizės poveikio nustatymą šių bankų veiklos rodikliams bei rinkos daliai. Gauti rezultatai parodė, kad kreditų pasiūla, teikiama užsienio bankų Baltijos šalyse, Rumunijoje ir Bulgarijoje, išliko palyginti stabili. Tai galima susieti su tuo, kad užsienio bankai taiko ir naudoja išvestinius produktus, motyvuodami tuo, jog turi daugiau patirties ir gali diversifikuoti riziką, efektyviai naudodami juos remiančių savos šalies („motininių“) bankų finansinius išteklius. Tyrimas taip pat parodė, kad užsienio bankų reakcija į rinkos pasikeitimus vienoje ar kitoje valstybėje tiesiogiai priklauso nuo „motininio“ banko kapitalo pakankamumo ir ekonominių verslo sąlygų toje šalyje.
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Febrianto, Hendra Galuh, and Amalia Indah Fitriana. "MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (August 27, 2020): 139–60. http://dx.doi.org/10.36908/isbank.v6i1.135.
Повний текст джерелаАнотація:
ABSTRACT
In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank.
The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations.
This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017.
Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness
ABSTRAK
Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut.
Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru.
Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017.
Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank
Дисертації з теми "ANZ Bank"
1
Mourouzidou, Damtsa Stella. "Three studies on the effects of national culture on bank risk-taking, deposits and profitability." Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/three-studies-on-the-effects-of-national-culture-on-bank-risktaking-deposits-and-profitability(3f54085b-4bd6-420d-a27d-1e47e2086079).html.
Повний текст джерелаАнотація:
These three studies on the effect of national culture on banking aim at advancing knowledge and understanding of bank risk-taking, deposits and profitability by adding culture to their determining factors. Banking is a highly regulated industry, and one would expect informal institutions such as national culture not to influence management decisions. However, it seems that bank managers but also bank customers are susceptible to cultural biases making their influence on risk taking, deposit and profitability levels statistically and economically significant. In the first study, I find that national culture is an important bank-risk determinant. Specifically, I find a positive (negative) association between the cultural values of individualism and hierarchy (trust) and domestic bank risk-taking. This relation weakened during the recent financial crisis and does not hold for global banks, regardless of the period under investigation. In the second study, I report a positive association between trust and deposits which holds for domestic as well as global banks, supporting the popular view that banking is based on trust. Motivated by two relatively new regulations (Net Stability Funding Ratio and Liquidity Coverage Ratio), enforced to safeguard stable liquidity, I use interaction effects to find that high deposit volatility mitigates the positive impact of trust on deposit levels. In the third study, I identify national culture as an important determinant of bank profitability. Looking separately into global and domestic banks, the former are less prone to cultural influences compared to the latter. Furthermore, domestic banks with foreign ownership/management are less susceptible to cultural biases compared to domestic banks with local ownership/management. Finally, banks operating in conservative, hierarchical societies are expected to face more challenges with fintech disturbance, compared to banks operating in egalitarian societies. My results are statistically and economically significant and robust to endogeneity tests mitigating reverse causality and confounding effect concerns.
2
Leung, Wai-kwan Lucia. "Hong Kong's banking crisis in 1991." [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13278800.
Повний текст джерела
3
Čápová, Jana. "Komparace postavení jednotlivých institucionálních typů v současném českém bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-5319.
Повний текст джерелаАнотація:
The major goal of this work is to compare positions of different institutional types active in the banking sector in the Czech Republic. The emphasis is being given to the description of gradual mutual convergence and interactions of particular institutional types in the context of changes undergoing in a transition economy since 1990. The second part of this work analyses the framework for the operation of different institutional types and compares their positions against clients, owners and supervisor. The last part of the work is a comparative analysis of economic indicators for each institutional type in the context of changes in the market and legal environment since 2004.
4
Chan, Chi-ping Eliza. "Hong Kong competitiveness : human resources in financial industry /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1883100X.
Повний текст джерела
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Giwe, Mbunwe Belter. "Factors affecting the usage of banking products and services by low income and under-banked consumers." Thesis, Nelson Mandela Metropolitan University, 2015.
Знайти повний текст джерелаАнотація:
A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.
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Tam, Pui-sun. "The Bank of China Group in Hong Kong : its changing role and future direction /." Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B15967463.
Повний текст джерела
7
Stovrag, Arijan. "Capital requirements and bank profitability : A comparison between the large Swedish banks and niche banks." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Nationalekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-35028.
Повний текст джерелаАнотація:
Purpose: The purpose of this study is to describe and explain the relation of changes in capital requirements on the profitability of Swedish banks. Method: A mixed model approach is used. The quantitative approach is con-ducted through the collection and analysis of statistics from Swe-dish banks and financial institutions. The qualitative research ap-proach is used to obtain further insights into the Swedish banking system and how banks are managing capital requirements. This is conducted through interviews with respondents from a large bank, a niche bank, and the Riksbank. Analysis: The analysis is made on yearly data from 1999 to 2015. Return on equity and net interest margin are individually used as dependent variables. The independent variables are various capital ratios which are defined by the Basel framework. The results from the quantitative analysis are in line with the findings from the qualita-tive interviews. Conclusion: On one hand, capital requirement ratios seem to have a negative and statistically significant correlation with the Return on Equity for both large banks and niche banks. On the other hand, capital re-quirement ratios seem to have a positive and statistically significant correlation with the Net Interest Margin for niche banks.
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Campmas, Alexandra. "Institutional environment and bank behaviour : the case of European banks." Thesis, Bordeaux, 2020. http://www.theses.fr/2020BORD0193.
Повний текст джерелаАнотація:
Nous étudions deux politiques jouant un rôle clé dans l'évolution et la métamorphose du cadre institutionnel et qui sont donc à même d'influencer le comportement des banques, à savoir la politique monétaire et la politique macroprudentielle.Dans le premier chapitre, nous mettons en évidence l'existence du canal de la prise de risque bancaire de la politique monétaire (non)conventionnelle en Europe. Nous démontrons que ce dernier est non linéaire, c'est-à-dire que les effets des taux d'intérêt de la politique monétaire (du total des actifs au bilan des banques centrales) sur le risque bancaire sont plus forts en-dessous (au-dessus) d'un certain seuil.Le deuxième chapitre explore le lien entre l'environnement des taux d'intérêt bas et la rentabilité des banques. Nos résultats suggèrent que le principal outil de la politique monétaire a un effet négatif sur les marges d'intérêt nettes, mais que son effet sur la rentabilité globale n'est pas clair. Néanmoins, lorsque les taux d'intérêt directeurs sont particulièrement bas, il semble que les banques européennes parviennent à accroître leur rentabilité malgré une compression de leurs revenus d'intérêts nets.Le troisième chapitre examine le rôle des outils macroprudentiels dans un environnement institutionnel turbulent. L'apparition de la COVID-19 est de nature à aggraver la capacité des ménages et des entreprises à rembourser leurs dettes. Le chapitre fait le lien entre l'utilisation flexible des instruments macroprudentiels et leurs effets encore inconnus en cas de choc sur les primes de risque des prêts hypothécaires et des prêts aux entreprises. Nos modèles empiriques et théorique corroborent le fait qu'un scénario d'assouplissement des outils macroprudentiels permet d'atténuer les effets négatifs découlant d'un tel choc. En particulier, le modèle DSGE montre une préférence pour l'assouplissement du ratio prêt-sur-valeur au détriment du ratio d'adéquation des fonds propresWe study two policies that are key to shaping the institutional environment and that can therefore influence banks' behaviour, namely monetary and macroprudential policies.In the first Chapter, we evidence the existence of the bank risk-taking channel of (un)conventional monetary policy in Europe. We show that the latter is nonlinear, i.e., the effects of monetary policy interest rates (the total assets on the balance sheet of central banks) on banking risk are stronger below (above) a certain threshold.The second Chapter mainly explores the nexus between the low interest rate environment and bank profitability. Our findings suggest that monetary policy’s main instrument adversely affects net interest margins, but its effect on overall profitability is unclear. Nevertheless, when policy interest rates are particularly low, it seems that European banks succeed in increasing their profitability despite a compression of their net interest income.In the third Chapter, we examine the role of macroprudential tools in a turbulent institutional environment. The outbreak of the COVID-19 is likely to worsen households' and businesses' capacity to pay off their debt. The Chapter bridges the gap between the flexible use of macroprudential tools and their yet unknown effects in the event of a shock to risk premia of mortgages and corporate loans. Both our empirical and theoretical models corroborate that an ease scenario of macroprudential policy allows mitigating the adverse effects stemming from such a shock. In particular, the DSGE model shows preference for relaxing the Loan-to-Value ratio over the Capital Requirement Ratio
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Sasraku, Francis M. "Regulatory Structures and Bank –Level Risk Management in Ghanaian Banks." Thesis, University of Bradford, 2015. http://hdl.handle.net/10454/15021.
Повний текст джерелаАнотація:
This research examines the impact of certain bank-specific variables on bank stability in Ghana, in the context of the existing regulatory structures. The thesis examines this issue along two main themes. The first part of this study examines whether two of the commonly used measures of banking stability, the CAMELS and the Z-Score, provide similar or different results in assessing the stability of banks in Ghana. The results of this study show that the use of the CAMELS and the Z-score measures could lead to different outcomes in terms of bank stability in Ghana. This suggests that the traditional micro-prudential CAMELS framework should be complemented with the Z-score which inherently has both micro and macro-prudential characteristics of signaling weaknesses in bank stability, and to enhance the management of bank stability. The second part of the study examines the impact of some bank-specific variables on bank stability. Using the panel data approach, the results show that while bank size, regulatory governance, regulatory independence and origin impact significantly on the stability score, there was no significant impact in terms of interbank borrowing and non-performing loans. Further analysis using the Blinder –Oaxaca decomposition also suggests that foreign banks in Ghana exhibit relatively higher levels of stability compared to local banks. The policy implications of these findings suggest that the liberalisation of the banking sector should be accompanied by an effective micro- and macro-prudential supervisory regime in order to manage the stability of the constituent banks and the banking sector as a whole.
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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/.
Повний текст джерелаАнотація:
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.
Книги з теми "ANZ Bank"
1
Liew, Jeff. Banking the unbanked in Fiji: The ANZ Bank and UNDP Partnership. Fiji: s.n., 2006.
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2
ANZ bank: A history of the Australia and New Zealand banking group limited and its constituents. Sydney: Allen & Unwin, 1985.
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3
Bank & brokerage back office procedures & settlements. Chicago: Glenlake Pub., 2000.
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4
Trenʹkin, Aleksandr Pavlovich. Nat︠s︡ionalʹnyĭ bank Respubliki Mordovii︠a︡ v sisteme Banka Rossii: Vchera, segodni︠a︡, zavtra 150 let Banku Rossii. Saransk: [s.n.], 2011.
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Akinnola, Yomi. Nigerian banks: Practical guide on bank borrowings. Lagos: Falyom Associates, 1987.
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Fischel, Daniel R. The regulation of banks and bank holding companies. [Toronto, Ont.]: Law and Economics Programme, Faculty of Law, University of Toronto, 1986.
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Bank profitability: Financial statements of banks, 1996-2005. 2nd ed. Paris: OECD, 2008.
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Lapsa, Lato. Parex krahs: Nejēgas, nelgas un noziedznieki. [Rīga]: Atēna, 2009.
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Lapsa, Lato. Parex krahs: Nejēgas, nelgas un noziedznieki. [Rīga]: Atēna, 2009.
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DePrince, Albert Eugene. Shifts in the liability structure of bank balance sheets and implications for community banks' performance. Austin, Tex: Alex eSolutions, 2006.
Знайти повний текст джерелаЧастини книг з теми "ANZ Bank"
1
Peláez, Carlos M., and Carlos A. Peláez. "Bank Concentration and Central Banks." In Financial Regulation after the Global Recession, 63–90. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230251243_4.
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Bindseil, Ulrich, and Alessio Fotia. "Economic Accounts and Financial Systems." In Introduction to Central Banking, 1–9. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-70884-9_1.
Повний текст джерелаАнотація:
AbstractThis chapter introduces the system of accounts of the main sectors of the economy (households; non-financial corporations, the government; banks, and the central bank), describing how these sectors are interrelated through financial claims and liabilities. A financial system, consisting of commercial banks and the central bank, manages flows of funds originating from households, without these flows causing a need for the real sectors to liquidate illiquid real assets. The basic types of assets and liabilities are: real goods, gold, banknotes, deposits, bonds, loans, and equity. We explain how the shortcomings of both IOU and commodity-money based financial systems can be solved via establishing a central bank. A central bank is defined here by its balance sheet and central bank money is the central bank’s basic liability. Both monetary policy implementation and lender of last resort issues relate to liquidity flows within balance sheets. Understanding the logic of basic financial flows is therefore the basis for understanding central banking.
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Goodhart, C. A. E. "Why Do Banks Need a Central Bank?" In Money, Information and Uncertainty, 176–93. London: Macmillan Education UK, 1989. http://dx.doi.org/10.1007/978-1-349-20175-4_8.
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Cohen, Joseph N. "Working the Banks and Non-Bank Lenders." In Investing in Movies, 167–87. 2nd ed. New York: Routledge, 2021. http://dx.doi.org/10.4324/9781003153702-13.
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Bindseil, Ulrich, and Alessio Fotia. "Central Banks." In Introduction to Central Banking, 11–28. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-70884-9_2.
Повний текст джерелаАнотація:
AbstractThis chapter develops further the role of a central bank and its interplay with commercial banks. Together, the two ensure the provision of liquidity to the economy, such that the real sectors are shielded from flows of funds originating from household and investors. We also disaggregate the banking system into two banks to represent deposit flows between banks and their impact on the central bank’s balance sheet, and to distinguish between what we call “relative” and “absolute” central bank intermediation. We then integrate deposit money creation by commercial banks into our system of financial accounts, and revisit some old debates, such as the limits of bank money creation and the role of related parameters that the central bank can set (not only the reserve requirement ratio, but also the collateral framework). Finally, we explain the concepts of “plain money” and “full reserve banking” within the financial accounts, and also discuss in this framework the recent proposals regarding central bank digital currency (CBDC).
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Hicks, John. "Banks and Bank Money." In A Market Theory of Money, 55–63. Oxford University Press, 1989. http://dx.doi.org/10.1093/0198287240.003.0008.
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Bindseil, Ulrich. "Rehabilitation." In Central Banking before 1800, 172–94. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780198849995.003.0008.
Повний текст джерелаАнотація:
This chapter returns to the question who invented what in central banking. The review confirms broader and earlier origins of central banking, with particularly the early banks in Barcelona, Genoa, Naples, Venice, Amsterdam, and Hamburg having all made major contributions and actually having developed all central bank operations that would prevail until the early twentieth century (except discounting trade bills). The Bank of England invented the private ownership model based on a joint stock company, which became the template for most central bank creations in the eighteenth and nineteenth centuries, but has been considered outdated since the mid twentieth century. Moreover, it had the largest balance sheet amongst all central banks in the eighteenth century. The chapter ends with a list of 15 major current central bank topics which all can be traced back to before 1800, showing how relevant the study of early central banking remains.
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Bindseil, Ulrich. "Current Views on the Nature and Origins of Central Banks." In Central Banking before 1800, 8–29. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780198849995.003.0002.
Повний текст джерелаАнотація:
Chapter 1 first restates the present dominant view on the nature and origin of central banking, which can be summarized as follows: (1) Defining central banking is ‘by no means straightforward’; (2) the Riksens Ständers Bank and the Bank of England would have been the first sort-of central banks; (3) early central banks did not have a policy mandate and the orientation towards public objectives would go back only to the nineteenth century; (4) there has been no concept of central banking before 1800; (5) early central banking developed out of the largest commercial banks; (6) the lender of last resort (LOLR) would have developed only in the second half of the nineteenth century or even later. Second, the chapter reviews a recent literature which started again to question this view. It is explained how this book will take up the challenge to correct the myth about the origins of central banking.
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Chen, Naiwei. "Asset Diversification and Efficiency of Islamic Banks." In Growth and Emerging Prospects of International Islamic Banking, 117–40. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-1611-9.ch007.
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This chapter examines the effect of asset diversification (AD) on the efficiency of Islamic banks using conventional banks as the contrast sample. Data Envelopment Analysis (DEA) is used to generate efficiency score as a proxy of bank efficiency and the Tobit panel data model is estimated. A review of banks in three Asian countries with a dual banking system from 2006 to 2012 indicates that AD positively affects bank efficiency, regardless of bank type. In addition, the positive effect of AD on bank efficiency strengthens with bank size, particularly for Islamic banks. Furthermore, any positive effect of AD on the efficiency of Islamic banks is particularly found among those without foreign ownership, whereas ownership type plays no role in determining AD's effect on the efficiency of conventional banks.
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Allosso, Dan. "Peppermint Bank." In Peppermint Kings, 99–133. Yale University Press, 2020. http://dx.doi.org/10.12987/yale/9780300236828.003.0006.
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This chapter recounts how Hiram Hotchkiss opened his own Peppermint Bank in order to avoid the difficulties he continually had with local bankers. It explains how Hiram used his Peppermint Bank primarily as a payment mechanism for his essential oil business. It also discusses how Hiram spent his money in western New York and in Michigan to pay for oil rather than loan his notes into the local market. The chapter traces back free banking, which was the dominant regulatory system for antebellum banks that has taken too much of the blame for economic instability before the Civil War. It also explains that free banking refers to the ability of banks to be established without legislative charters, but the lack of state charters does not imply that the banks were allowed to print money indiscriminately.
Тези доповідей конференцій з теми "ANZ Bank"
1
Agnese, Paolo, and Paolo Capuano. "How are global banks responding to the COVID-19 pandemic?" In Corporate governance: Fundamental and challenging issues in scholarly research. Virtus Interpress, 2021. http://dx.doi.org/10.22495/cgfcisrp4.
Повний текст джерелаАнотація:
The COVID-19 pandemic has put pressure on financial systems and banks, which have had to review their management strategies and adapt them to the new global crisis. Banks’ responses to COVID-19 can be traced back to the introduction of a portfolio of corporate policies, such as: the creation of ad hoc teams for the prevention and control of the effects of the pandemic within the company; the adoption of measures to support the community in which the bank operates; the protection and support of its employees and clients. The goal of this research is to understand how bank governance is reacting to the COVID-19 era, to determine which were the most used measures to contain the crisis. The results of this analysis, in fact, can make it possible to define best practices for the corporate governance of banks in times of pandemic crisis and provide useful elements for reflection to the banking regulatory and supervisory authorities
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Kılıç, Süleyman Bilgin, Kenan Lopcu, and Semin Paksoy. "Artificial Neural Network Models to Build an Early Warning System for Turkish Commercial Banks before and after the 2001 Financial Crisis." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.00963.
Повний текст джерелаАнотація:
The objective of this paper is to measure the failure risk of Turkish commercial banks. Bank failures bring to bear high costs on economies as well as on governments and eventually on the public and the taxpayers. During the past two decades, many developed and developing economies have experienced large scale bank failures, and estimates for average bank restructuring costs range from 6% to 10% of the Gross Domestic Product. In Turkey the amount of restructuring costs is approximately 30% of the Gross Domestic Product. In this study, we use 29 selected financial ratios of banks across 1996-2012 periods and the Artificial Neural Network Models to build an early warning system. If commercial bank failure were a predictable event, bank restructuring costs could be minimized. Additionally, if early warning systems are used effectively, the regulatory actions necessary to prevent banks from failing could be taken in advance or in the least a more orderly process of bank closures could be administered. The results overall indicate that almost all commercial banks currently operating in the Turkish banking sector are quite sound and far from failure.
3
Abbas, Nazar, and ali jafar. "Evaluation of budgetary planning of Iraqi private banks (case Study on a sample of Iraqi Islamic and commercial banks)." In 3rd International Conference on Administrative & Financial Sciences. Cihan University - Erbil, 2021. http://dx.doi.org/10.24086/afs2020/paper.233.
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The success of the budget system depends mainly on the speed of preparing the actual numbers for all financial operations of the bank or economic unit at the end of the period and comparing them with the budget numbers for the same period, trying to identify the reasons for the actual numbers deviation from the planned by monitoring, and the methods that follow to prevent these deviations to take place in the future. The research aims to study the results of the budgetary planning and comparing them with the actual results, and determining their deviations if they are positive (favourable) or negative (unfavourable) for a sample of Iraqi private banks that are Consisting of ( Islamic banks and commercial banks), the SPSS statistical program was used to analyse the results of the deviation, and the study sample were consisted of ( Iraqi Islamic Bank, National Islamic Bank, Baghdad Bank, and the Middle East Bank) for the fiscal years 2016 and 2017, as these banks were chosen because of their publication of discretionary budgets in the financial statements. Among the most important findings of the researchers was ( Islamic banks are better than commercial banks as the rate of application of planning budgets because most of their statistical results are positive (favorable ).
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Wang, Pengfei, Xinyu Wei, and Fuyu Zhao. "Design of Decoupled Mechanical Shim Control System for a Generation III+ Pressurized Water Reactor Based on Feedforward Compensation and Multimodel Approach." In 2018 26th International Conference on Nuclear Engineering. American Society of Mechanical Engineers, 2018. http://dx.doi.org/10.1115/icone26-81142.
Повний текст джерелаАнотація:
The advanced Mechanical Shim (MSHIM) core control strategy employs two separate and independent control rod banks, namely the MSHIM control banks (M-banks) and axial offset (AO) control bank (AO-bank), for automatic reactivity/temperature and axial power distribution control respectively. The M-banks and AO-bank are independently controlled by two closed-loop controllers called the coolant average temperature (Tavg) controller and AO controller. Since the movement of M-banks and AO-bank can both affect the Tavg and AO, the Tavg controller is coupled with the AO controller. In order to avoid the interference between the two controllers, the MSHIM control system adopts an interlock design between them to avoid the simultaneous movement of the M-banks and AO-bank and make sure the priority of the M-bank movement. This design can enhance the stability of the MSHIM control system. However, the control performance is degraded at the same time. In the present study, the feedforward compensation decoupling method and multimodel approach are used to eliminate the coupling effect between the two controllers in the MSHIM control system during a wide range of power maneuvers. A multiple feedforward compensation system is designed with integration of feedforward compensators for the Tavg and AO controllers at five power levels using the multimodel approach. By implementing it in the MSHIM control system, the interlock between the M-banks and AO-bank can be released to realize the independent and decoupled control between Tavg and AO. The effectiveness of the decoupled MSHIM control system is verified by comparing its control performance with that of the original MSHIM control system during typical load change transients of the AP1000 reactor. The obtained results show that superior and decoupled control of Tavg and AO can be achieved with the proposed decoupled MSHIM control system.
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Pavelka, Vivien, Gyöngyi Bánkuti, and Jozsef Varga. "The Comparative Analysis of the Islamic and Conventional Bank System in Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2016. http://dx.doi.org/10.36880/c07.01804.
Повний текст джерелаАнотація:
The aim of our study is the comparative analysis of the Islamic and conventional bank systems in Turkey focusing on the years of the last financial crisis. The financial crisis of 2008 shocked the world and impeached the confidence in the conventional bank systems. It drew the attention to the alternative financial forms like Islamic banking. The best known specialty of the Islamic bank system is the prohibition of interests and speculative transactions. The question is: are Islamic banks more crisis-resistant than the conventional banks? Are they really more stable? We would like to get answers for these questions through analyzing the four Islamic banks and four conventional banks with the same size in Turkey. We set up three hypothesizes:
1. The profitability of the Islamic banks was higher during the crisis than the profitability of the conventional banks.
2. The liquidity of the Islamic banks was higher during the crisis than the liquidity of the conventional banks.
3. The leverage ratio of the Islamic banks was higher during the crisis than the leverage ratio of the conventional banks.
The time horizon of the research is from 2007 to 2013 and we get the data from the annual reports of the banks.
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Ali Abdullah, Hatem. "The relationship between leadership duality and corporate governance characteristics." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/uhdicearnc/15.
Повний текст джерелаАнотація:
The study aimed to identify the nature of the relationship between the characteristics of leadership duality and corporate governance. SMART-PLS3). The study was applied in the field of private banks operating in Iraq, the city of Baghdad in particular, and six banks were selected, namely (International Development Bank, Babel Bank, Gulf Commercial Bank, Trans-Iraq Bank, Trade Bank of Iraq, Union Bank of Iraq), while the community of The study consisted of (department director, assistant director, division director, unit director) and the number of them was (160), from whom an intentional sample was drawn according to the equation (Green, 1990) to be represented by (114) individuals, the questionnaire was distributed to them and (105) questionnaires were retrieved (97). ) of which were valid for analysis. The study concluded that the CEO position as Chairman of the Board of Directors will increase the characteristics of corporate governance in terms of disclosure, transparency, accountability, effectiveness and justice. (Dual leadership) will be reflected on corporate governance, specifically its characteristics.
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Ali Abdullah, Hatem. "The relationship between leadership duality and corporate governance characteristics." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/icearnc/15.
Повний текст джерелаАнотація:
The study aimed to identify the nature of the relationship between the characteristics of leadership duality and corporate governance. SMART-PLS3). The study was applied in the field of private banks operating in Iraq, the city of Baghdad in particular, and six banks were selected, namely (International Development Bank, Babel Bank, Gulf Commercial Bank, Trans-Iraq Bank, Trade Bank of Iraq, Union Bank of Iraq), while the community of The study consisted of (department director, assistant director, division director, unit director) and the number of them was (160), from whom an intentional sample was drawn according to the equation (Green, 1990) to be represented by (114) individuals, the questionnaire was distributed to them and (105) questionnaires were retrieved (97). ) of which were valid for analysis. The study concluded that the CEO position as Chairman of the Board of Directors will increase the characteristics of corporate governance in terms of disclosure, transparency, accountability, effectiveness and justice. (Dual leadership) will be reflected on corporate governance, specifically its characteristics.
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Titko, Jelena. "Bank Soundness in the Latvian Banking Market." In Contemporary Issues in Business, Management and Education. VGTU Technika, 2015. http://dx.doi.org/10.3846/cibme.2015.07.
Повний текст джерелаАнотація:
Bank soundness is crucially important for the stability of the whole financial system. The goal of the paper is to reveal the contributing factors to bank soundness in the Latvian banking market. Multifactor regression analysis was applied as a core research method. Bank soundness was proxied by Risk index calculated for Latvian banks. Profitability, liquidity and asset quality ratios of individual banks extracted from BankScope data warehouse were used as explanatory variables. Research period covers 2007–2014. The regression model was created, based on financials of Latvian banks as for 2013. The reliability of the model was tested, using the financials from 2014 reports.
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Adair, J., A. Kirkpatrick, D. B. Olsen, and H. Gitano-Briggs. "Simulation of the Airflow Characteristics of a Two-Stroke Natural Gas Engine With an Articulated Crank." In ASME 2003 Internal Combustion Engine Division Spring Technical Conference. ASMEDC, 2003. http://dx.doi.org/10.1115/ices2003-0552.
Повний текст джерелаАнотація:
The topic of this paper is the simulation of the airflow characteristics of a large bore two stroke natural gas fueled engine. The modeling was performed with the program WAVE, a computer code developed for engine cycle simulations. The engine studied was a four cylinder Cooper GMV engine. This engine has an articulated crankshaft connecting even and odd bank cylinders. Due to the articulation, the even bank cylinders have different piston profiles, port profiles, and compression ratios than the odd bank cylinders. Due to the non-symmetric timing and articulated geometry of the odd and even banks, the gas flow processes are not the same for each cylinder bank. The different manifold and port pressure profiles result in different amounts of trapped mass in the odd and even banks. The even bank is predicted to have a smaller amount of trapped mass and slightly lower trapping and scavenging efficiencies. Finally, the model predicts that the even bank cylinders attain higher maximum temperatures, which would produce increased NOx.
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Palecková, Iveta. "Cost efficiency of the Czech and Slovak banking sectors: an application of the data envelopment analysis." In Business and Management 2016. VGTU Technika, 2016. http://dx.doi.org/10.3846/bm.2016.14.
Повний текст джерелаАнотація:
The aim of the paper is to estimate the cost efficiency of the Czech and Slovak commercial banks within the period 2010-2014. For empirical analysis the Data Envelopment Analysis input-oriented model with variable returns to scale is applied on the data of the commercial banks. The intermediation approach is adopted to define the inputs and outputs. The Czech commercial banks are more cost efficient than Slovak commercial banks. The development of average cost efficiency is similar in the Czech and Slovak banking industry. The most efficient Czech banks are Ceská sporitelna and Sberbank in the Czech banking sector, the most efficient Slovak bank is Privatbanka with 100% efficiency.
Звіти організацій з теми "ANZ Bank"
1
Morales, Paola, Daniel Osorio-Rodíguez, Juan S. Lemus-Esquivel, and Miguel Sarmiento. The internationalization of domestic banks and the credit channel of monetary policy. Banco de la República, November 2021. http://dx.doi.org/10.32468/be.1181.
Повний текст джерелаАнотація:
How does the expansion of domestic banks in international markets affect the bank lending channel of monetary policy? Using bank-firm loan-level data, we find that loan growth and loan rates from international banks respond less to monetary policy changes than domestic banks and that internationalization partially mitigates the risk-taking channel of monetary policy. Banks with a large international presence tend to tolerate more their credit risk exposition relative to domestic banks. Moreover, international banks tend to rely more on foreign funding when policy rates change, allowing them to insulate better the monetary policy changes from their credit supply than domestic banks. This result is consistent with the predictions of the internal capital markets hypothesis. We also show that macroprudential FX regulation reduces banks with high FX exposition access to foreign funding, ultimately contributing to monetary policy transmission. Overall, our results suggest that the internationalization of banks lowers the potency of the bank lending channel. Furthermore, it diminishes the risk-taking channel of monetary policy within the limit established by macroprudential FX regulations.
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Bolton, Patrick, and Martin Oehmke. Bank Resolution and the Structure of Global Banks. Cambridge, MA: National Bureau of Economic Research, June 2018. http://dx.doi.org/10.3386/w24737.
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Sarmiento, Miguel. Sudden Yield Reversals and Financial Intermediation in Emerging Markets. Banco de la República, October 2022. http://dx.doi.org/10.32468/be.1210.
Повний текст джерелаАнотація:
Banks in emerging market economies rely on cross-border interbank lending to financing firms in the real sector. By matching cross-border bank-to-bank loan level data with domestic bank-to-firm loan level data, and firm-level data, this paper shows that sudden yield reversal observed during the 2013 Fed taper tantrum resulted in a substantial contraction of cross-border interbank lending in emerging markets that significantly reduced the supply of domestic corporate credit and increased the corporate loan rates. Results show that firms with an ex-ante high concentration of credit granted by exposed banks in the cross-border interbank market exhibited low bank credit and substantial real effects, including a decline in imports and exports. The results further indicate that cross-border intra-group lending and domestic unsecured interbank funding contribute to smoothing the effects of sudden yield reversals on the financial intermediation. Overall, the results are consistent with the notion that banks’ exposition in international credit markets contributes to global financial conditions’ transmission to the economy.
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Duro, Miguel, Germán López-Espinosa, Sergio Mayordomo, Gaizka Ormazabal, and María Rodríguez-Moreno. Enforcing mandatory reporting on private firms: the role of banks. Madrid: Banco de España, November 2022. http://dx.doi.org/10.53479/23526.
Повний текст джерелаАнотація:
This paper studies firm-level factors shaping the enforcement of financial reporting regulation on private firms and proposes bank lending as a particularly important one. Our tests are based on a rare combination of data sets, which allows us to construct unique measures of misreporting, notably in the form of underreporting of debt. We observe that private firms with bank debt are more likely to file mandatory financial reports and less likely to file information with irregularities. While we also find evidence that the need for bank financing can induce firms to misreport, this concern is mitigated by additional findings suggesting that banks detect reporting issues within private firms’ financial statements. Critically, we observe that firms with reporting issues obtain significantly less credit, especially when the bank has had previous exposure to debt misreporting and when the bank verifies debt information using the public credit registry. In short, our paper documents important firm-level determinants of private firms’ misreporting and highlights that banks play a significant role in the enforcement of mandatory financial reporting on these firms.
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Andreasen, Eugenia, and Victoria Nuguer. Capital Flow Management Measures and Dollarization. Inter-American Development Bank, December 2020. http://dx.doi.org/10.18235/0002905.
Повний текст джерелаАнотація:
This paper studies from an empirical and theoretical perspective the systemic and bank-level effects of imposing reserve requirements (RR) in foreign currency in an economy with a heavily dollarized financial system. The paper empirically characterizes banks responses to the RR carried out by the Peruvian Central Bank since 2008 with the objective of stabilizing the financial market and meeting its policy targets. The results suggest that the RR is effective in reducing the overall level of credit in the economy and that banks response in terms of credit and deposits is very heterogeneous depending on their ex ante preference for foreign funding ratio, i.e., the ratio of deposits in dollars to total loans. Motivated by the empirical insights, the paper builds a DSGE small-open-economy model with financial frictions à la Gertler-Karadi-Kiyotaki, where bank heterogeneity and financial dollarization are introduced to evaluate the effectiveness of the differential RR in reducing financial dollarization and improving financial resilience.
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Gailani, Joseph, Burton Suedel, Andrew McQueen, Timothy Lauth, Ursula Scheiblechner, and Robert Toegel. Supporting bank and near-bank stabilization and habitat using dredged sediment : documenting best practices. Engineer Research and Development Center (U.S.), August 2022. http://dx.doi.org/10.21079/11681/44946.
Повний текст джерелаАнотація:
In-water beneficial use of dredged sediment provides the US Army Corps of Engineers (USACE) the opportunity to increase beneficial use while controlling costs. Beneficial use projects in riverine environments include bank and near-bank placement, where sediments can protect against bank erosion and support habitat diversity. While bank and near-bank placement of navigation dredged sediment to support river-bank stabilization and habitat is currently practiced, documented examples are sparse. Documenting successful projects can support advancing the practice across USACE. In addition, documentation identifies data gaps required to develop engineering and ecosystem restoration guidance using navigation-dredged sediment. This report documents five USACE and international case studies that successfully applied these practices: Ephemeral Island Creation on the Upper Mississippi River; Gravel Island Creation on the Danube River; Gravel Bar Creation on the Tombigbee River; Wetland Habitat Restoration on the Sacramento-San Joaquin River Delta; and Island and Wetland Creation on the Lower Columbia River Estuary. Increased bank and near-bank placement can have multiple benefits, including reduced dredge volumes that would otherwise increase as banks erode, improved sustainable dredged sediment management strategies, expanded ecosystem restoration opportunities, and improved flood risk management. Data collected from site monitoring can be applied to support development of USACE engineering and ecosystem restoration guidance.
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Fabiani, Andrea, Martha López, José-Luis Peydró, Paul E. Soto, and Margaret Guerrero. Capital Controls, Domestic Macroprudential Policy and the Bank Lending Channel of Monetary Policy. Banco de la República, June 2021. http://dx.doi.org/10.32468/be.1162.
Повний текст джерелаАнотація:
We study how capital controls and domestic macroprudential policy tame credit supply booms, respectively targeting foreign and domestic bank debt. For identification, we exploit the simultaneous introduction of capital controls on foreign exchange (FX) debt inflows and an increase of reserve requirements on domestic bank deposits in Colombia during a strong credit boom, as well as credit registry and bank balance sheet data. Our results suggest that first, an increase in the local monetary policy rate, raising the interest rate spread with the United States, allows more FX-indebted banks to carry trade cheap FX funds with more expensive peso lending, especially toward riskier, opaque firms. Capital controls tax FX debt and break the carry trade. Second, the increase in reserve requirements on domestic deposits directly reduces credit supply, and more so for riskier, opaque firms, rather than enhances the transmission of monetary rates on credit supply. Importantly, different banks finance credit in the boom with either domestic or foreign (FX) financing. Hence, capital controls and domestic macroprudential policy complementarily mitigate the boom and the associated risk-taking through two distinct channels
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Wheelock, David C., and Paul W. Wilson. Why Do Banks Disappear: The Determinants of U.S. Bank Failures and Acquisitions. Federal Reserve Bank of St. Louis, 1995. http://dx.doi.org/10.20955/wp.1995.013.
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Efing, Matthias, Harald Hau, Patrick Kampkötter, and Johannes Steinbrecher. Incentive Pay and Bank Risk-Taking: Evidence from Austrian, German, and Swiss Banks. Cambridge, MA: National Bureau of Economic Research, September 2014. http://dx.doi.org/10.3386/w20468.
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Chauhan, Dharmistha, and Swapna Bist Joshi. The World Bank in Asia: An assessment of COVID-19-related investments through a care lens. Care-responsive investments and development finance. Oxfam, December 2021. http://dx.doi.org/10.21201/2021.8182.
Повний текст джерелаАнотація:
International financial institutions (IFIs) and multilateral development banks have been playing a vital role in the response, recovery and ‘build back anew’ agenda from the COVID-19 pandemic. This is especially true of the World Bank Group (WBG), given its high volumes of committed investments across sectors, especially in low-income and vulnerable countries. This report presents, through case studies, how care-responsive the World Bank’s COVID-19-related investments have been in four member countries: Bangladesh, Cambodia, Nepal and the Philippines. It does so by using the Care Principles and Care-Responsive Barometer for IFIs to assess the nature of the WBG’s post-COVID recovery investments in these select countries, and by building evidence through a gender- and care-responsive budget review. The foundation for care inclusion has already been laid in WBG policy. The report uses this as an entry point to urge it to bring women’s unpaid, underpaid and paid work to the centre of the IFI agenda in order to move towards rebuilding a more gender-just and equal future.