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Search Results: 1 - 10 of 813 matches for " Banking "
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The treatment of SMEs loans in the New Basel Capital Accord: some evaluations
Fabrizio Fabi,Sebastiano Laviola,Paolo Marullo Reedtz
PSL Quarterly Review , 2004,
Abstract: In April 2003 the Basel Committee on Banking Supervision issued a third consultative paper on the new Basel Capital Accord (Basel II). The document contains substantial changes with respect to the previous proposal of January 2001, on which improvements were requested, among other aspects, regarding the too severetreatment foreseen for loans to small and medium sized enterprises (SMEs). The aim of this paper is to analyse the treatment of SME loans under the Basel II framework and to provide an empirical evaluation of the impact of the different proposals on a large hypothetical portfolio of Italian corporations. Our simulations indicate that the prudential treatment of SME loans foreseen in the last consultative document of theBasel Committee is not penalizing with respect to the current situation. Therefore, we should not expect a reduction of credit or an increase in interest rates on loans to this type of borrowers.
Measuring the Severity of a Banking Crisis and Finding Its Associated Factors: How Are the Factors Different for Simple and Severe Banking Crises?  [PDF]
Anichul Hoque Khan, Hasnat Dewan
Theoretical Economics Letters (TEL) , 2014, DOI: 10.4236/tel.2014.49109
Abstract: This study measures the severity of a banking crisis by using its duration and the cost. Using this new methodology, we find that the factors associated with a severe banking crisis are not quite the same as those associated with a simple banking crisis. An ordered logit model and a large panel data set were used for this study. One of our major findings is that there exists a four-year time lag between an economic boom, or financial system liberalization, and the occurrence of a severe banking crisis in a country. This indicates that banking problems start much earlier than the time when they are revealed as banking crises. This study also finds that the lower the remains of a past banking crisis, the higher the probability of a severe banking crisis. It could be due to less-attentiveness of banking sector policy-makers with elapsed time. A high rate of inflation, existence of an explicit deposit insurance scheme, and a weak institutional environment are found to be common factors positively associated with both simple and severe banking crisis.
Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited  [PDF]
Agbemabiese George Cudjoe, Patrick Amfo Anim, Joseph Gerald Nii Tetteh Nyanyofio
Journal of Computer and Communications (JCC) , 2015, DOI: 10.4236/jcc.2015.32001
Abstract: The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.
Measuring the Systemic Risk of Regional Banks in Japan with PLS-SEM  [PDF]
Necmi K. Avkiran
Theoretical Economics Letters (TEL) , 2018, DOI: 10.4236/tel.2018.811132
Abstract: I embark to measure the systemic risk of regional banks in Japan through shadow banking (microlevel and macrolevel linkages) using partial least squares structural equation modeling (PLS-SEM). Non-parametric PLS-SEM is used for the first time in the context of Japanese banks. I collect indicator-based data from Orbis Bank Focus but do not find all the indicators suggested by theory. Results indicate systemic risk is explained by 12.5% of shadow banking. I use generalized structured component analysis (GSCA) for robustness test because it belongs to the same family of methods as PLS-SEM; PLS-SEM results are confirmed by GSCA. Regulators need to collect more data regarding shadow banking activities in relation to regional banks in Japan. The missing indicators are critical for explaining systemic risk in regional banks through shadow banking. Once more data are available, researchers can explore whether shadow banking has a substantial effect on the systemic risk of regional banks in Japan.
Innovation in Banking Industry: Achieving Customer Satisfaction  [PDF]
Clement Achimba, Jared Opiyo Ongonga, Samson Mecha Nyarondia, Amembah A. Lamu Amos, Michael Okwara
Open Journal of Business and Management (OJBM) , 2014, DOI: 10.4236/ojbm.2014.24031
Abstract: This paper examines the effects of technology in the banking industry. Based on an expansive review of literature, the paper describes various factors in this area. Technology has a direct effect on the functioning of the banks. With technological advancement, the customers benefit and the bank gains by getting more clients. Most businesses desire to offer the best services, products and customer relations to their customers because these activities increase the retention rate of customers. These activities also have a direct effect on customer satisfaction. But it’s the complexity of this process that brings a challenge to marketers. The paper looks at technological aspect of the process. This is because for any marketer or business practioner to succeed at managing a good customer relationship program, there is need for the adoption of supportive technology. This type of technology assists in the managing of the process through the maintainance of a customer data base, implementation and monitoring. Using a case study approach [1] shows that one of the business units she studied was able to achieve a 270% increase in business unit profits (above target) by implementing several straightforward Customer Relationship Management (CRM) measures. The paper analyses the nature of the banking industry and the role of technology in the Customer Relationship Management process and its implementation.
Learning, Lending, and Laws: Banks as Learning Organizations in a Regulated Environment  [PDF]
Marissa Martineau, Kelly Knox, Paul Combs
American Journal of Industrial and Business Management (AJIBM) , 2014, DOI: 10.4236/ajibm.2014.43021

The concept of American banks as the most innovative in the world is difficult to reconcile with the reality that banking in the US is also a highly regulated industry with detailed and focused regulators and whose rules and regulations are constantly changing. While innovation inherently entails a need for freedom to experiment, laws and regulations inherently entail a certain degree of constraint. On the one hand, organizational learning may be defined as the ability of an organization to gain insight and understanding from experience through experimentation, observation, analysis, and a willingness to examine both successes and failures. On the other hand, a common goal of bank regulation is to prevent failures from ever occurring in the first place, and although in recent decades there has been significant deregulation in many industries, a sector that remains heavily regulated is banking. This paper examines the adequacy and applicability of Peter Senge’s theory of a learning organization’s five disciplines to the banking industry, the role of laws and regulations in promoting or discouraging US banks to become learning organizations, and recommendations for steps that US banks may take towards becoming learning organizations.

Competitiveness of Togolese Banking Sector  [PDF]
Tunde Ahmed Afolabi
Theoretical Economics Letters (TEL) , 2018, DOI: 10.4236/tel.2018.811161
Abstract: Development of a country depends on its economic growth which depends also on several factors which can be both micro and macroeconomic. The financial sector is the lung of the economy; more exactly the banking sector contributes in a non negligible part to this growth. The competitiveness, effectiveness and efficiency of banking sector make it reliable to the economy. Unfortunately, evidences have shown that most Sub-Saharan countries don’t rely much on their financial sector, mainly due to challenges they face. This paper aims to analyze the competitiveness and the driving factors in Togolese banking sector with macroeconomic development using Structure-Conduct and Performance (SCP) framework and regression models. The research covers a period of sixteen years (from 2000 to 2015), with ten banks. This research proxies the asset in a panel A and profit in a panel B for the bank’s competitiveness. The results are of panel regressions with fixed effects and robust standard errors. Considering the Panel A, the variables Inter-Banks loans, customers loans, Inter-Banks Debts, Customers Debts are the driving factor of the competitiveness. However, the size of the bank proxied by profit has no impact on the competitiveness. The result suggests that the reform which has started since 1990 should be completed; there should be organizational and financial restructuring.
The Role of Commercial Banks on Financial Inclusion in Malawi  [PDF]
Onelie Nkuna, Angella Faith Lapukeni, Paxon Kaude, Grant Kabango
Open Journal of Business and Management (OJBM) , 2018, DOI: 10.4236/ojbm.2018.64061
Financial inclusion is said to be a panacea for lowering poverty and income inequality. In most developing countries, commercial banks are considered to be the traditional channel of including the unbanked into the formal financial system. This study aims to investigate the role of commercial banks in financial inclusion in Malawi. The study used both primary and secondary data in which a qualitative questionnaire was administered to all banks. Using a combination of stratified and judgement sampling methods, data were collected from 16 bank branches. The results of the study reveal that over the past years there has been dismal performance in terms of expansion of commercial banks’ branch network, though the number of ATMs has significantly increased. The study also reveals that agent banking has significantly expanded even in the rural areas suggesting that banks have significantly contributed to reaching the unserved population. The study further finds that most banks provide financial literature to their customers, set very low minimum or zero balance requirements for certain categories of accounts, have consumer protection mechanisms and are also engaged in various initiatives aimed at enhancing financial inclusion. Nonetheless, the study finds that customer fees and charges, distance to bank outlets, Know Your Customer (KYC) requirements and low literacy levels, in that order are perceived by most banks as major barriers to financial inclusion.
Competition in the Brazilian loan market: an empirical analysis
Lucinda, Claudio R;
Estudos Econ?micos (S?o Paulo) , 2010, DOI: 10.1590/S0101-41612010000400004
Abstract: the aim of this paper is to review some of the existing tests for competition in brazilian banking, as well as to propose an alternative. after the description of the institutional setting of the brazilian banking system on this period, the competition tests on the literature were reviewed, beginning with the test proposed by panzar and rosse (1987). the market does not seem to be in long-run equilibrium, implying only the market does not seem to find itself in collusive outcome. the next step was to try a new methodology, applied by moreno, martínez and ruiz (2006) for the spanish banking market. on this methodology, in which the assumption of equality of conduct parameters between firms and time periods is relaxed, the results indicate that, for some firms and in some time periods, a cooperative conduct in fact is present.
Free Banking and the Structure of Production: A Contrast of Competing Banking Systems
Dan Mahoney
Libertarian Papers , 2011,
Abstract: In this paper we extend an argument originally developed in Hülsmann (2009) to analyze changes to the structure of production that occur when the demand for money changes. In particular, we show that Hülsmann’s argument, which contrasted such changes under commodity and fiat systems, applies as well to the case of 100% reserve systems contrasted with fractional reserve free banking systems (FR/FB). Specifically, we argue that under a 100% reserve system, the structure of production will change in response to a change in demand for money, and that it will not under FR/FB. In fact, such changes are beneficial. Since one of the central arguments in defense of FR/FB is precisely the fact that it avoids such changes to the structure of production (at least more readily than 100% reserve systems), we conclude that this argument amounts to comparing different mechanisms for attaining different equilibrium states, and hence is invalid as a defense of that mechanism (FR/FB) as such.
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