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CORPORATE GOVERNANCE IN BANKING ACTIVITIES
Andra Lavinia NICHITEAN,Mircea ASANDULUI
Scientific Annals of the Alexandru Ioan Cuza University of Iasi : Economic Sciences Series , 2010,
Abstract: In the modern society the banking system occupies a very important place; it can decisively influence the economy as a whole and the quality of our lives. Therefore its proper functioning is of vital importance. For the well being of a society, lending to both retail and corporate sectors is very important. When talking about the lending rules for companies it is much easier to do a cost-benefit analysis, subjectivity occurs mainly in case of retail credit.Taking into consideration the recent bankruptcies that took place all over the world, we consider this to be one of the best moments to speak about banking ethics. This article is aiming to make a comparison between the ways in which corporate governance in banking are applied in emergent economies compared to the developed ones. To achieve this objective we examined some characteristics of corporate governance in banking in general, related to some special features of the developing countries and we made an overview of the Romanian financial system.
Retail Banking
Adam Szafarczyk
Contemporary Economics , 2008,
Abstract: The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one – trends, especially household deposits and credits and last – retail banking in particular banks.
Determination of the Optimal Level of Lending in Turkish Banking Sector  [cached]
Erkan Poyraz
Business and Economics Research Journal , 2012,
Abstract: Banking sector has a great importance in a national economy. Banks provide the vital function of mobilizing savings from those who have it and allocating such savings to those who wish to borrow to invest in economic development. When these two cardinal functions are not effectively provided by a country’s banking institutions, then its economic performance is seriously hampered. Main duty of banks is to accept deposits and channel those deposits into lending activities, either directly or through capital markets. In this study it is tried to determine if there is any correlation between the level of lending and the level of profitability. In addition to that, optimal level of lending is tried to be determined. Total lendings / total assets which is the best indicator of asset quality is accepted as independent variable and net income / total asset (return on assets), net income / equity (Return on equity) are accepted as dependent variable. Between those variables regression and correlation analyse are done .
Banking Sectors in the new European Union Member States
Marek Stefański
Contemporary Economics , 2010,
Abstract: The main goal of his article is to analyze the economic position and financial strength of banking sectors in the new European Union member states (EU-12). The banking sector consists of all banks that operate in a given country except for the central bank and non-operating banks, such as those in the state of insolvency or liquidation. The author discusses EU-12 banking sectors with regard to a number of economic and financial indices, including the size of assets, the degree of their concentration, ownership types, financial results and efficiency. The analysis is followed by an attempt to evaluate those sectors and assess their financial stability and resistance to macroeconomic and banking risks. Action EU-12 banking sectors in the time of financial crisis is presented as well. Analysis is accompanied by the hypothesis, that about further development of UE-12 banking sectors will decide foreign owners of banks.
EUROPEAN RETAIL BANKING INTEGRATION UNDER EMU: FACTS AND CHALLENGES
Andreea Avadanei
Studia Universitatis Vasile Goldis Arad, Seria Stiinte Economice , 2011,
Abstract: The aim of the present paper is to highlight the Economic and Monetary Union (EMU)implications in sustaining European retail banking integration. This research is structuredon three sections, as follows: section one illustrates the limits and perspectives of EuropeanUnion card market developments, the second analyses a set of financial indicators used inorder to assess the level of retail banking integration and the third presents the actual stageof market integration. Our concluding remarks indicate that Eurozone retail banking marketis still fragmented, while the wholesale interbank market and capital market-relatedactivities are characterized by a much higher degree of integration.
Bank Selection Criteria in the Iranian Retail Banking Industry  [cached]
Apena Hedayatnia,Kamran Eshghi
International Journal of Business and Management , 2011, DOI: 10.5539/ijbm.v6n12p222
Abstract: Iranian retail banks need to identify criteria which bank customers consider when they select a bank in order to plan their marketing strategies and survive in an intense competition that exist in this industry. This study designed to examine the bank selection criteria being employed by bank customers in Iran. A total of 798 customers (55.7 percent male and 44.3 percent female) served as a sample for the study. 38 selection factors extracted from relevant literature and interviews with five bank officials. Factors analysis is used to extract important selection criteria and Friedman analysis ranks the factors according to their importance. Findings show that the important factors determining customers' selection are: quality of services and new banking methods, innovation and responsiveness of bank, friendliness of staff and confidence in manager, price and cost, staff attitudes and convenience of bank location and services.
Service Quality Measurement in Indian Retail Banking Sector: CA Approach
J. Clement Sudhahar,D. Israel,M. Selvam
Journal of Applied Sciences , 2006,
Abstract: The present study on Service Quality (SERVQUAL) holds that SERVQUAL primarily determines the customer value which in turn contributes to the customer retention and loyalty. Realising the paramount role of SERVQUAL in services marketing, more specifically in a customer intensive industry like Retail Banking, Allred (2001) has developed a comprehensive scale to measure service quality in banking sector. In this empirical study,, applying the scale developed by Allred, a perceptual map on a set of retail banks in India is drawn through a sophisticated multivariate non-parametric technique called Correspondence Analysis.
BANK LENDING CHANNEL TEST OF MONEY TRANSMISSION - CASE STUDY: IRAN'S BANKING NETWORK  [PDF]
Saeed Samadi,Hadi Amiri,Mahshid Shahchera,Siminosadat Mirhashemi Naeeini
Economics and Finance Review , 2011,
Abstract: During the two recent decades considerable studies have focused on mechanisms of monetary policy transmission to perceive impacts of monetary policy on real economy better. The significant point of these studies is the role of banking system in monetary policy transmission that includes impacts of monetary policy on lending of the banking system. Bank lending channel of monetary policy focuses on bank loans because of monetary policy. Purpose of this paper is to analyze impacts of monetary policy shock on banking network facilities that studies such impacts through bank lending channel. It has been tried in this paper to study such impacts by theoretical explanation, designing a model and by means of generalized method of moments and then analyze empirical impact of this relation. Results of the survey indicate that capital base and liquidation base variables have a significant impact on lending of the banking network in Iran. On the other side, these impacts are intensified with executing of restrictive monetary policy. Indeed existence of bank traditional lending channel and bank capital channel have been confirmed for banking network in Iran, although its impact is little.
Factors Influencing Customer Satisfaction In Retail Banking In Delhi And NCR
Santosh Dev,Yaj Medury,Aayushi Gupta,B.S.Nagi
Indian Streams Research Journal , 2012,
Abstract: This paper attempts to establish that customer satisfaction and retention arecritical for retail banks in India especially in Delhi and NCR. It also tries to investigatethe major factors responsible for customer satisfaction in the retail banking sector. Itidentifies these factors which include tangibles, responsiveness, customer orientation,standard of facility, interest rates and other charges, client participation, funds transfersystem, accessibility and other amenities.
Identifying service quality dimensions as antecedents to customer satisfaction in retail banking  [cached]
Barbara Culiberg,I?a Roj?ek
Economic and Business Review , 2010,
Abstract: This paper explores service quality in a retail bank setting in Slovenia and its influence on customer satisfaction. In previous studies both SERVQUAL and SERVPERF scales have been used for measuring service quality. Based on SERVPERF a 28-item scale has been developed for this study. Through factor analysis four dimensions of service quality have been obtained. The results from regression analysis suggest that all four dimensions of service quality as well as service range influence customer satisfaction. The information provided by this research can be used when designing marketing strategies to improve customer satisfaction in retail banking.
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