scholarly journals The universal bank model: Synergy or vulnerability?

2019 ◽  
Vol 20 (4) ◽  
pp. 312-327
Author(s):  
Xi Yang ◽  
Michael Brei
Keyword(s):  
Universal Bank

Chandra Shekhar Ghosh: founding Bandhan

2018 ◽  
Vol 8 (4) ◽  
pp. 1-18
Author(s):  
Surajit Ghosh Dastidar
Keyword(s):  
Social Entrepreneurship ◽  
Social Impact ◽  
Small Time ◽  
Social Entrepreneur ◽  
World Economic Forum ◽  
Content Type ◽  
Academic Level ◽  
World Economic ◽  
Universal Bank ◽  
Global Growth

Learning outcomes To understand social entrepreneurship and a social entrepreneur; to identify a social problem and develop a business idea; to understand the theory of entrepreneurial opportunity recognition; and to understand microfinance and its impact in the lives of the poor. Case overview/synopsis The case traces the journey of its founder Chandra Shekhar Ghosh from being a small time entrepreneur in microfinance to being the owner of a universal bank named Bandhan. Bandhan bank started its operations on August 23, 2015 with 501 branches, 2022 service center and 50 ATMs across 24 states. It had 14.3 million accounts, around 105 billion loan book and 19,500 employees. The founder of Bandhan bank, Chandra Shekhar Ghosh, an Ashoka fellow had won numerous awards such as Entrepreneur with Social Impact Award by Forbes (2014), Entrepreneur of the Year by Economic Times (2014), Skoch Financial Inclusion Award (2011), Entrepreneur of the Year Award (2014) by AIMA to name a few. In 2014, Bandhan was also recognized as Global Growth Company by World Economic Forum. Complexity academic level The case is suitable for analysis in a MBA level course on social entrepreneurship. Supplementary materials Teaching Notes are available for educators only. Please contact your library to gain login details or email [email protected] to request teaching notes. Subject code CSS 3: Entrepreneurship.

Italian multinational banking in interwar east central Europe

2000 ◽  
Vol 7 (1) ◽  
pp. 45-66 ◽  
Author(s):  
LAURA STANCIU
Keyword(s):  
Financial Crisis ◽  
Central Europe ◽  
Banking System ◽  
Investment Decisions ◽  
Universal Banking ◽  
East Central Europe ◽  
East Central ◽  
Universal Bank ◽  
Per Se ◽  
Multinational Banking

Laura Stanciu, Italian multinational banking in interwar east central EuropeThis article examines the interwar development of multinational investment undertaken by the most prominent Italian universal bank — Banca Commerciale Italiana — in Bulgaria, Hungary, Poland and Romania, referred to here as east central Europe. It analyses the extent to which considerations concerning universal banking's development are valid in the case of Italian multinational investment in this region. The article is neither a study of the 1930s financial crisis nor an analysis of the Italian universal banking per se. Instead, it questions the implicit relationship between the fate of the activities of Banca Commerciale Italiana in east central Europe and the general problems of the universal banking system during the early 1930s. Evidence seems to suggest that the bank's withdrawal from the region, beginning in the late 1920s, was more a result of managerial shortcomings and unsound investment decisions than the crisis.

Whom you borrow from matters: universal banks and firm innovation

2019 ◽  
Vol 45 (8) ◽  
pp. 1001-1019 ◽  
Author(s):  
Haizhi Wang ◽  
Desheng Yin ◽  
Xiaotian Tina Zhang ◽  
Xinting Zhen
Keyword(s):  
Capital Market ◽  
Design Methodology ◽  
Bank Lending ◽  
External Funding ◽  
Firm Innovation ◽  
Content Type ◽  
Innovation Activities ◽  
Universal Bank ◽  
Potential Channels

Purpose The purpose of this paper is to empirically investigate universal banks as an important source of external funding and their effects on borrowing firms’ innovation outputs. Design/methodology/approach The authors employ regression analyses including a difference-in-difference approach and a two-sided matching method to ensure the robustness of the findings. The authors further explore some potential channels and boundary conditions for the main findings. Findings The authors find that borrowing from universal banks is negatively associated with the quantity of firm innovation, but not the quality of firm innovation. The authors document that borrowing firms reduce their R&D expenditures and rely more on external partners to produce innovation outputs after loan originations from universal banks. The negative relation between universal bank lending and the quantity of firm innovation is more prominent for unrelated innovation and for financially constrained firms. Research limitations/implications The evidence reveals that universal banks may use their informational advantage and market power to limit their corporate borrowers’ investment in innovation activities. Originality/value The paper extends the line of research on the source of financing and firm innovation, and establishes a robust relationship between capital market and product market.

scholarly journals Global strategies to overcome the spiral of decline in universal bank markets

1998 ◽  
Vol 7 (3) ◽  
pp. 217-232 ◽  
Author(s):  
C.P. Holland ◽  
A.G. Lockett ◽  
I.D. Blackman
Keyword(s):  
Universal Bank ◽  
Global Strategies

scholarly journals The mechanism of integration interaction between a bank and an insurance company (for example "Sovcombank Insurance" JSC)

KANT ◽  
2021 ◽  
Vol 38 (1) ◽  
pp. 51-55
Author(s):  
Marine Selbertovna Оtnyukova ◽  
Andrey Igorevich Smirnov
Keyword(s):  
Large Scale ◽  
Full Range ◽  
Insurance Company ◽  
Business Transformation ◽  
Universal Bank ◽  
Further Development

The article examines the theoretical and practical aspects of the integration interaction between an insurance company and a bank. The process of integrating the resources of "Liberty Insurance" JSC by "Sovcombank" Group is analyzed; the causes and consequences are identified. The directions of further development of the established company "Sovcombank Insurance" JSC, aimed at improving the efficiency and profitability of the business, are listed. The main advantage for "Sovcombank Insurance" JSC is the synergy with all the bank's business lines for further development of products and services. For Sovcombank PJSC, it is the consolidation and completion of a large – scale business transformation, turning into a universal bank that provides a full range of services.

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