scholarly journals Organizational and Managerial Aspects of Individualization of Services for Corporate Clients in the Client-Oriented Policy of a Commercial Bank

2018 ◽  
Vol 28 (4) ◽  
pp. 674-681
Author(s):  
Dmitry Shevchenko
Keyword(s):  
Staff Development ◽  
Customer Service ◽  
Commercial Bank ◽  
Management Tools ◽  
Banking Services ◽  
Organization And Management ◽  
Banking Business ◽  
Corporate Clients ◽  
Selection Of

Under conditions, when there is very intense competition, individualization of services is the most reasonable way to implement the client-oriented approach in banking. The article emphasizes the following organization and management tools needed for the successful individualization of corporate customer service in a commercial bank: deep market segmentation along with a selection of key clients considering their actual and potential importance for the bank, the development of flexible banking packages for sub-segments as part of banking services, the adoption of the institution a personal client's manager, staff development at all levels of the bank organizational structure in pursuit of internal marketing. The systematic use of these tools will allow a commercial bank to build partnerships with corporate clients, to raise the level of customers' satisfaction and loyalty, to ensure sustainability of interaction with the key customers that determine the essential characteristics of the banking business in the long term.

scholarly journals Appraisal of Financial Performance of Regional Rural Banks with Special Reference to Assam Gramin Vikash Bank, Maharashtra Gramin Vikash Bank and Karnataka Gramin Vikash Bank

2021 ◽  
Vol 3 (12) ◽  
pp. 191-196
Author(s):  
S Selvakumar ◽  
D Abima
Keyword(s):  
Financial Performance ◽  
Special Reference ◽  
Financial Planning ◽  
Regional Level ◽  
Short Term ◽  
Banking Services ◽  
Banking Business

Regional Rural Banks are functioning at regional level in different States and Union Territories of India. These banks are rendering both fundamental and modern banking services. Finance is one of the most important aspects of banking business. Without proper financial planning an enterprise is unlikely to be successful in managing money. For the proper financial planning, analysis of the financial performance is required. Hence, an attempt has been made to analyse the performance of the Assam Gramin Vikash Bank, Maharashtra Gramin Bank and Karnataka Vikash Gramin Bank in terms of short term solvency, long term solvency and profitability. It is concluded that the financial performance of the Assam Gramin Vikash Bank, Maharashtra Gramin Bank and Karnataka Vikash Gramin Bank are good.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA (Studi Kasus pada Bank Umum Syariah di Indonesia Tahun 2009 –2012)

2016 ◽  
Vol 3 (2) ◽  
pp. 143 ◽  
Author(s):  
Rima Yunita
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Commercial Bank ◽  
Regression Coefficient ◽  
Explanatory Power ◽  
Financial Ratios ◽  
Test Results ◽  
Term Survival ◽  
Banking Business

Research on financial ratios and its effect to the profitability of banks in Indonesia have been carried out by several researchers, but research results are inconsistent. Profitability has essential means for long-term survival of banking business, because the profitability of the business showed good prospects in the future. This study intends to examine the effect of CAR, FDR, NPF, ROA, and ROA REO against Islamic bank in Indonesia. This explanatory research was conducted at the Islamic Commercial Bank at Bank Indonesia. Data collection was carried out inthe documentation, in the form of financial ratios data from the financial statements of Islamic Banks gained per month of Islamic Commercial Bank Statistical Report published by Bank Indonesia in 2009-2012. The samples are 48 financial ratios of data taken by purposive sampling. Descriptive statistics are used to see an overview of researchdata individually, and multiple linear regression was used to test the hypothesis, where the previous requirement that the classical assumptions include normality, multicollinearity, heteroscedasticity, and autocorrelation have been fulfilled. The results of multiple linear regression showed the CAR regression coefficient on ROA is 0.026 withp = 0.024; FDR regression coefficient on ROA is 0.009 with p = 0.007; NPF on ROA regression coefficient is 0.042 with p = 0.368, regression coefficient on ROA REO by -1.53 with p = 0.000, and the regression coefficient on ROA ROA of -0.029 with p = 0.000. The test results demonstrate F value 17.893 with p = 0.000, and the test results adjusted R2 0.642 shows the explanatory power of the five independent variables in this study was 64.2% on ROA; remaining 35.8% is influenced by other factors are not included in the regression model. Concluded that partially CAR and FDR, respectively have a positive and significant effect to ROA, whereas BOPO and REO have a negative and significant effect to ROA, but NPF have no significant effect on ROA.

scholarly journals Banking Ecosystems: Development Specifics

2021 ◽  
Vol 11 (3) ◽  
pp. 47-60
Author(s):  
V. D. Smirnov
Keyword(s):  
Customer Service ◽  
Qualitative And Quantitative Analysis ◽  
Scientific Publications ◽  
Technological Transformation ◽  
Banking Services ◽  
Qualitative And Quantitative ◽  
The Face ◽  
Banking Business ◽  
Banking Institutions ◽  
Credit Institutions

The topic of the research is the phenomenon of ecosystems created by banks, as well as related technological innovations introduced by credit institutions in order to increase their efficiency and obtain new opportunities for cooperation with non-financial organizations. One of the strategically important management decisions which affect the bank's business model is to determine the specifics of ecosystem growth. The study's goal is to figure the optimal balance between traditional activities and non-banking services of credit institutions. This suppose to strengthen their position in the face of penetration of digital competitors into banking operations (Internet banks, financial and large technology companies, telecoms). The theoretical and methodological basis of the research was formed by the scientific works of foreign scientists and experts on improving the efficiency of banking institutions. There were used methods of qualitative and quantitative analysis of scientific publications, analytical materials of well-known consulting companies, statistical data. As a result, the author found a technological transformation is required using such approaches to customer service (retail and corporate) that reflect their needs in banking with the intensive use of relevant competencies in cash management, means and risks. That will cause to protect the banking business from digital competitors and increase its market capitalization. All these measures will be able to induce clients to use more extensively the banks opportunities and help them to increase investments in their core business, thereby contributing to its growth. The author concludes that being developed ecosystems, it is advisable for banks to focus on services close to their core work, as well as on increasing the efficiency of their own activities and providing new services. Meanwhile, the marketplaces development within the banking ecosystems does not give the latter advantages in the competition in the banking services market.

Functioning of the Fast Payment System in Russia

2021 ◽  
pp. 23-28
Author(s):  
A. Zverev ◽  
Viktoria Valerievna Mandron ◽  
A. Sereda
Keyword(s):  
Customer Service ◽  
Financial Services ◽  
Payment System ◽  
Financial Industry ◽  
Banking Services ◽  
Customer Base ◽  
Market Participants ◽  
New Information ◽  
Banking Business ◽  
Remote Interaction

Digital transformation is the main direction of development of the national financial industry. Traditional banking services are being transferred to online services, especially in the context of the rapid growth of e-commerce. The introduction of new information channels of remote interaction allows credit institutions to reduce their costs, improve the quality and speed of customer service, balance active and passive operations, expand the «line» of banking products and financial services, stabilize and expand the customer base. The development of the banking business based on the introduction of a fast payment system is becoming a necessity for all categories of retail and corporate clients. The creation and development of the infrastructure of the fast payment system is a priority project of the Bank of Russia for the development and expansion of non-cash payments. This project is aimed at developing the availability of financial services in remote regions of Russia and reduces the costs of market participants.

Women's Participation in Politics: Ukrainian Case

2014 ◽  
Vol 2013 (3) ◽  
pp. 53-66
Author(s):  
Skovikov Alexey
Keyword(s):  
Political Culture ◽  
Separation Of Powers ◽  
Party Competition ◽  
Political Life ◽  
Ruling Class ◽  
Political Actors ◽  
Women's Participation ◽  
Democratic Transformation ◽  
Selection Of

AbstractThe international practices takes into account the question of women's participation in the political life of modern Ukraine. The selection of the state was due to the dynamic process of democratic transformation - the separation of powers, the formation of multi-party competition among political actors in the electoral process, the activity women in the various institutions of civil society. The position was claimed on the basis of empirical data range of academic institutions and reputable sociological centers, and also interviews with experts who said that the creation of real conditions for self-realization by women's interest in politics is only possible for long term. The process is controversial and caused by political culture, traditions and interests of the ruling class represented mainly by men.

Evidence for a single mechanism gating perceptual and long-term memory information into working memory

2020 ◽  
Author(s):  
Sam Verschooren ◽  
Yoav Kessler ◽  
Tobias Egner
Keyword(s):  
Working Memory ◽  
Long Term Memory ◽  
Sources Of Information ◽  
Term Memory ◽  
Source Selection ◽  
Single Mechanism ◽  
Gating Mechanism ◽  
Opening And Closing ◽  
Selection Of

An influential view of working memory (WM) holds that its’ contents are controlled by a selective gating mechanism that allows for relevant perceptual information to enter WM when opened, but shields WM contents from interference when closed. In support of this idea, prior studies using the reference-back paradigm have established behavioral costs for opening and closing the gate between perception and WM. WM also frequently requires input from long-term memory (LTM), but it is currently unknown whether a similar gate controls the selection of LTM representations into WM, and how WM gating of perceptual vs. LTM sources of information relate to each other. To address these key theoretical questions, we devised a novel version of the reference-back paradigm, where participants switched between gating perceptual and LTM information into WM. We observed clear evidence for gate opening and closing costs in both cases. Moreover, the pattern of costs associated with gating and source-switching indicated that perceptual and LTM information is gated into WM via a single gate, and rely on a shared source-selection mechanism. These findings extend current models of WM gating to encompass LTM information, and outline a new functional WM architecture.

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