scholarly journals Assessment of Competitiveness Factors of an Agent of the Financial Environment: Methodology and Comparative Analysis

2021 ◽  
Vol 110 ◽  
pp. 01006
Author(s):  
Elvira Sitnikova ◽  
Tatyana Kolmykova ◽  
Irina Tretyakova ◽  
Darya Lobacheva
Keyword(s):  
Commercial Bank ◽  
Banking Sector ◽  
Capital Intensity ◽  
Loan Portfolio ◽  
The Public ◽  
Current Trends ◽  
The World ◽  
Banking Institutions ◽  
European Economies

The functioning of the banking sector of the economy in the world is characterized by a decrease in its capital intensity due to a decrease in the concentration of foreign capital, a deterioration in the quality of the loan portfolio, an outflow of urgent deposit resources and the receipt of significant losses by banking institutions during the COVID-19 pandemic. Taking into account the current trends in the spread of the virus, the development and implementation of fundamentally new approaches to anti-crisis management in the banking sector of both the world economy and Russia is of great importance today. The COVID-19 pandemic came as a big shock to the global and European economies. While banks are not hit by the pandemic as directly as other retail institutions, they are in the public eye as they provide funding to corporations and individuals. Their stability is crucial for maintaining the efficiency of the entire economic system, not only of a particular country, but also of the world. Currently, the need for a comprehensive study of the competitiveness of a commercial bank is determined by the objective modern conditions of the life of banks operating in a competitive environment. The article proposes the author’s methodology for assessing the competitiveness of a commercial bank, which includes five groups of indicators, which makes it possible to identify not only problematic, but also stable areas of activity. The proposed method for calculating the integral indicator for assessing the competitiveness of a commercial bank has been tested on the example of Russian Agricultural Bank and Sberbank, and a set of measures has been developed to increase the level of competitiveness of a commercial bank.

scholarly journals Problems of qualitative evaluation of commercial bank loan

2020 ◽  
pp. 15-19
Author(s):  
Nadiia SOLOVEI ◽  
Ihor SKRYPNYCHENKO
Keyword(s):  
Commercial Bank ◽  
Financial Stability ◽  
Risk Index ◽  
Maximum Yield ◽  
Bank Loan ◽  
Credit Policy ◽  
Loan Portfolio ◽  
Banking Institutions ◽  
Credit Portfolio

The article defines the nature of the loan portfolio, as well as the problems in the assessment and analysis of the commercial bank loan portfolio. In order to improve the existing credit portfolio of the bank, the dynamics, categories of the borrower ratio and the quality of the loan portfolio are analyzed, based on the obtained data, significant factors influencing the formation and management of the analyzed bank's loan portfolio are determined. Generation of a loan portfolio is usually subject to issuance of loans with maximum yield on the same terms. The profitability of a loan transaction is determined by the amount of the interest rate on the specific loan, the duration of the loan and the accepted system of calculation of interest payments. Practice shows that the success of managing the efficiency of banking investments and the formation of an effective structure of the bank's credit portfolio depend to a large extent on the skills of managing the banking institutions that carry out optimal formation, management of the credit portfolio and good management to ensure the efficiency of activities with the least possible risk and maximize results. The quality of the loan portfolio is analyzed using the coefficient method based on the calculation and analysis of trends in the development of relevant quantitative indicators. In the economic literature, the indicators that we can use to assess the quality of a bank's loan portfolio are divided into two groups: the credit portfolio risk index and the profitability of the credit business. The results of the analysis allow us to draw conclusions about the level of risk and profitability of the bank's loan portfolio and to develop measures to improve the effectiveness of the bank's credit policy. Based on the analysis of the structure and quality of the loan portfolio, the Bank's management is given an opinion to consider in order to determine the priority instructions for the placement of credit resources, limit the concentration and diversification of the loan portfolio and set limits on the execution of individual loans. It is concluded that prudent credit policy with an increase in rates, constant monitoring of the components of the credit portfolio, urgent management measures of banking institutions in the field of risk management should lead to an increase in lending and improve the quality of the portfolio management system. It is noted that the implementation of mainly quality measures to improve the structure of the loan portfolio will inevitably affect the financial stability of the bank and business efficiency, as well as increase its competitiveness and operational security.

CURRENT TRENDS IN THE BANKING CREDIT MARKET OF UKRAINE

InterConf ◽  
2021 ◽  
pp. 29-36
Author(s):  
Lidiia Avramchuk ◽  
Oleksii Muravskyi
Keyword(s):  
Interest Rates ◽  
Banking Sector ◽  
Foreign Currency ◽  
Credit Market ◽  
Current Trends ◽  
Loan Portfolios ◽  
Banking Institutions ◽  
Banking Credit

In recent years, the banking sector of Ukraine has witnessed low lending standards and insufficient protection of creditors' rights. In addition, there were two crises in the country and, as a result, borrowers were unable to repay funds in time. At the same time the quality of loan portfolios deteriorated, therefore more than 50% of all loans became "problematic". Due to the increase in interest rates, most borrowers began to take loans for up to 3 years and in the national currency, because they are less risky. According to statistics, only about 25% of all loans are long-term. In order to encourage borrowers to take long-term loans and borrowings in foreign currency, banking institutions have reduced interest rates on these types of loans, but these actions have given only a slight increase in such loans.

scholarly journals DYNAMICS OF MAIN INDICATORS OF THE CANADIAN BANKING SYSTEM

2020 ◽  
Vol 6 (3) ◽  
pp. 136-142
Author(s):  
Maryna Korol
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Banking System ◽  
Practical Significance ◽  
Loan Portfolio ◽  
The World ◽  
The Stability ◽  
Canadian Banking

Relevance of research. During the global financial collapse of 2008–2009, Canadian banks demonstrated stability and vastly avoided the international crisis. There was a view that Canada’s banking system was strict and overly risk-oriented, but after the crisis, it was recognized as logical in terms of lending, which required careful government supervision and regulation based on the principles of security and reliability. In fact, the World Economic Forum recognizes Canadian banks as the most stable in the world. So, all mentioned above prompted us to study the dynamics of the main indicators of the Canadian banking system. The aim of the study is to summarize and characterize the existing trends of banking system evolution in Canada. Methodological basis of the study is based on the analysis of the study of the Canadian banking system according to the indicators of the number of banking institutions, their profitability / loss, the quality of the loan portfolio and analysis of the largest banks in the country. A systemic analysis of the quantitative and qualitative composition of the above-mentioned banking indicators, synthesis and generalization were used to generalize and formulate conclusions. Scientific results. This article is devoted to the study of the dynamics of the main indicators of the Canadian banking system during the period from 2000 to 2019 inclusively. It is argued that the number of commercial banks has had a positive dynamics during the analyzed period, even the period of the global financial crisis of 2008-2009 has not reduced their number, which indicates the stability and prudent policy of commercial banks and the Central Bank as a whole. It has been established that 2019 is the year of the historical maximum assets of the Canadian banking system (more than 277% of Canada’s GDP). It is shown that the assets of eight largest banks in Canada account for 91% of the total assets of the banking sector. A record decline in the bank’s profits was recorded in 2009. The quality of the loan portfolio of commercial banks in Canada since 2009 shows a significant decrease in the share of outstanding loans. The practical significance of the study is to rate the strengths and weaknesses of the Canadian banking system. Significance / originality. The results achieved form an integrated view of the functioning of the Canadian banking system. The following studies will focus on methods and models for verifying the stability of banking systems, including the Canadian banking system.

scholarly journals Evidence based medicine? Access to information & medicines regulation in New Zealand

2021 ◽  
Author(s):  
◽  
Amy Hill
Keyword(s):  
New Zealand ◽  
Regulatory Regime ◽  
Pharmaceutical Companies ◽  
Evidence Based ◽  
Access To Information ◽  
The Public ◽  
The World ◽  
Medicines Regulation ◽  
Based Medicine

<p>This paper explores one very important issue in the regulatory regime for medicines in New Zealand and around the world- the deficit of information about medicines available to doctors, patients and independent researchers. Much of the information about safety, efficacy and quality of drugs is held and controlled by pharmaceutical companies and regulators. The public is entitled to this information in full.</p>

scholarly journals Educational Philosophy in the Effect of Globalization on Agriculture

2020 ◽  
Vol 1 (1) ◽  
pp. 7-10
Author(s):  
Aslan Riyadh
Keyword(s):  
Educational Philosophy ◽  
Agricultural Sector ◽  
The Public ◽  
Technology Sector ◽  
Technological Advances ◽  
The World ◽  
Rapid Flow ◽  
Vertical Relationship ◽  
Negative Impacts

Technological advances due to the rapid flow of globalization, change the pattern of teaching in the world of education. The philosophy of education shows a vertical relationship, up or down with the branches of education. It is hoped that the public can better understand the importance of globalization so that the negative impacts that have an impact can be minimized and it is also hoped that the realization of positive activities towards education will be even better. Education contributing to the success of development in the agricultural sector is not solely determined by development in the technology sector but is determined by the development of the quality of human resources, aspects of human personality, which include knowledge, values, attitudes and skills. The influence of globalization encourages education in the agricultural sector to be increasingly encouraged by stakeholders to always be improved so that the agricultural sector becomes more productive.

Oligarchizacja mediów w Czechach na przykładzie koncernu Mafra Andreja Babiša

2021 ◽  
Vol 24 (324) ◽  
pp. 183-200
Author(s):  
Katarzyna Giereło-Klimaszewska
Keyword(s):  
Public Debate ◽  
The Public ◽  
Media Companies ◽  
Political Interests ◽  
The World ◽  
The Media ◽  
Political Decisions

The contemporary functioning of the media is inextricably linked with what is happening in the world ofpolitics. The case of the Mafra corporation and the behaviour of its owner Andrej Babiš shows how throughthe interrelations of these two spheres the media can influence the shaping of political decisions, opinionsor preferences in the elections. The penetration of business and political interests, related informal layoutsand dependencies as well as high media instrumentation allow us to claim that today the process ofoligarchisation of the Czech media is highly advanced. This is connected with the increasing concentrationof ownership of media companies and intervention of the owners into the published content, but also withchanges in journalism itself. The media cease to be a “watch dog” controlling the authorities and caringabout the quality of public debate. Instead, they are creating reality, more and more openly, attemptingto manipulate the public, which results in less and less trust on their part and poses a serious threat todemocracy.

scholarly journals Effects Rahn, Ijaroh, Customer Satisfaction Through Quality of Service in. PT. Sharia Rural Bank Syarikat Madani

2018 ◽  
Vol 7 (2.29) ◽  
pp. 1026
Author(s):  
Chablullah Wibisono ◽  
Rahmad Budi Harto
Keyword(s):  
Customer Satisfaction ◽  
Banking Sector ◽  
Banking System ◽  
Path Coefficient ◽  
Test Results ◽  
Strategic Investment ◽  
The Public ◽  
Credit Financing

Community desire of a product needs the companion for business credit financing, disposal venture capital partners for micro s and macro businesses and banking sector needs to increase every year, so the role of the strategic investment partner is so decisive.  As the products business development, Since 1991 Islamic banking system has served the public with "Syariah" products. To achieve these objectives, the role of the corporate world become extremely important to give influences in society economy, so better services to achieve customer satisfaction in banking area is needed.The data in this research was conducted by spreading some questionnaires and taking the entire sample of 150 respondents of PT. SRB SayrikatMadani, and then the Data were tested by using Path analysis. The test results showed that the variable of Rhan (X1) Customer Satisfaction (Y) through Quality Services (X3) has path coefficient value 0554 t-count = 0223 while t-table 1661 (α = 0.05) and 2367 (α = 0, 01). It showed that the value of t-count <t table, it can be concluded that the path coefficient is not significant. Ijaroh (X2) The customer Satisfaction (Y) through Services Quality (X3) has path coefficient 0.315 t-count = 0.016 while t-table 1661 (α = 0.05) and 2367 (α = 0.01). in this case, t count <t table, it can be concluded that the path coefficient is not significant.  

scholarly journals Property rights institutions and bank performance across countries

2015 ◽  
Vol 41 (1) ◽  
pp. 80-101 ◽  
Author(s):  
Walaa Wahid ElKelish ◽  
Jon Tucker
Keyword(s):  
Property Rights ◽  
Cost Efficiency ◽  
Banking Sector ◽  
Income Group ◽  
Policy Implications ◽  
Bank Performance ◽  
Political Structure ◽  
Content Type ◽  
The World

Purpose – The purpose of this paper is to investigate the relationship between the quality of property rights institutions (PRIs) and bank financial performance in an empirical study of 136 countries over the period 1999-2006. Design/methodology/approach – The quality of PRIs and financial accounting-based measures of bank performance are obtained from the Economic Freedom of the World Project (Gwartney et al., 2006), the Polity IV Project, the World Bank data indicators database, and the International Monetary Fund. Several multiple regression analyses are conducted to test the study hypotheses. Findings – The results reveal that the quality of legal structure and security of PRIs positively (negatively) affects both bank cost efficiency (inefficiency) and profitability. The presence of a quality political structure negatively (positively) affects bank cost efficiency (inefficiency). The quality of political structure has no direct impact on bank profitability. The impact of PRIs on bank cost efficiency is more evident in the upper middle and high income group of countries than in the low and lower middle income group of countries. An appropriate level of PRI quality is essential to achieve both competition and development. Practical implications – The paper highlights policy implications for international policy makers, regulators, and the management of banks who are interested in banking sector development across countries. Originality/value – The study investigates the fundamental importance of PRI quality in its effect on the banking sector and extends the largely US-focused literature to a broader international setting.

scholarly journals THE OVERHEATING OF FIVE EU NEW MEMBER STATES AND CYCLICALITY OF SYSTEMIC RISK IN THE BANKING SECTOR

2009 ◽  
Vol 10 (3) ◽  
pp. 219-232 ◽  
Author(s):  
Mejra Festić ◽  
Sebastijan Repina ◽  
Alenka Kavkler
Keyword(s):  
Economic Activity ◽  
Banking Sector ◽  
Foreign Currency ◽  
Baltic States ◽  
Economic Activities ◽  
Loan Portfolio ◽  
Tradable Sector ◽  
The Baltic ◽  
Productivity Gains

Rapid credit growth has been one of the most pervasive developments in recent years in Central and Eastern Europe. We tested for the significance of macroeconomic and banking sector variables that condition non‐performing loan ratios and the hypothesis of procyclicality between economic activity and improving banking‐sector results in the Baltic States, Bulgaria and Romania. The theory of procyclicality between economic activity and the non‐performing loan ratio was proven. The increased economic activity improved the loan portfolio quality of the banking sector, as indicated by a lower NPL ratio. Due to a high share of loans denominated in a foreign currency and the fact of productivity gains in the tradable sector, the appreciation of the real exchange rate contributed to an improvement in loan portfolio quality. The procyclicality of banking sector performance and high economic activities growth could be a signal of an economy overheating and therefore a slowdown in economic activity is likely to accelerate the growth of the non‐performing loan ratio in the Baltic States, Bulgaria and Romania.

scholarly journals PROVISION OF ENGLISH-MEDIUM INSTRUCTION: TRENDS AND ISSUES

2020 ◽  
pp. 11-21
Author(s):  
OLGA KVASOVA ◽  
CAROLYN WESTBROOK ◽  
KEVIN WESTBROOK
Keyword(s):  
Language Proficiency ◽  
English Language ◽  
Native English Speakers ◽  
English Speakers ◽  
British Council ◽  
Current Trends ◽  
The World ◽  
Teachers And Students ◽  
English Medium Instruction

The article addresses the current trends of teaching subjects through the medium of English which has been boosting in the world and in Ukraine. Introduced due to globalization processes, teaching in English as a Medium of Instruction (EMI) has become an essential part of internationalization policies of universities. The increase in numbers of international students is viewed as an indication of quality of education provided by universities; it contributes to universities’ higher ratings and competitiveness. The introduction of EMI has been sustainably promoted by the British Council. Nonetheless, EMI providers across the world keep encountering similar issues and challenges. Amongst those, the most essential is low English language proficiency of non-native English speakers – both teachers and students. The article aims to examine the training provided to Ukrainian teachers who deliver EMI courses. The authors surveyed 28 EMI teachers in two universities in the country. The results imply the necessity to reprofile linguistic and pedagogical courses for EMI teachers, including training them in implementing innovative and interactive teaching techniques. The prospects of further research arouse from the need to develop a quality system of assessing students’ learning outcomes.

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