scholarly journals Are Private Banks More Efficient than Public Banks? Evidence from Russia

2008 ◽  
Author(s):  
Alexei Karas ◽  
Koen J. L. Schoors ◽  
Laurent Weill
Keyword(s):  
Private Banks ◽  
Public Banks

scholarly journals Service Performance in Public, Conventional Private and Specialized Private Banks in Bangladesh

2018 ◽  
Vol 14 (3) ◽  
pp. 100
Author(s):  
Md Abu Saleh
Keyword(s):  
Research Field ◽  
Service Performance ◽  
Future Research ◽  
Limited Attention ◽  
Competitive Edge ◽  
Area Of Interest ◽  
Private Banks ◽  
And Performance ◽  
Public Banks ◽  
Private Banking

Banking services play a key role in present competitive edge. Accordingly, service quality, satisfaction and performance have become an area of interest in such research field. An extensive review of literature revealed that very limited attention has been given to explore the borrower customers’ perspectives regarding the conventional public, private and specialised private banking. Therefore, this research strives to accommodate a developing perspective where conventional and non-conventional Islamic banks are operating and providing services to their customers. Data have been collected from 78 borrower customers to examine their perceived quality, satisfaction and performances of banks. The study revealed that service performance by the Islamic and conventional private banks were found well-organized in providing services and better than public banks. The study finally addressed the limitations and future research directions.

scholarly journals Bank Selection Criteria and Performance of Public and Private Banks of Sri Lanka: A Comparative Study

2020 ◽  
Vol 2 (2) ◽  
pp. 197-215
Author(s):  
M. S. Nilam
Keyword(s):  
Sri Lanka ◽  
Foreign Banks ◽  
Competitive Environment ◽  
Sri Lankan ◽  
Technological Advancement ◽  
Public And Private ◽  
Financial Deregulation ◽  
Private Banks ◽  
And Performance ◽  
Public Banks

Financial deregulation and technological advancement have led the sri lankan banking industry to highly competitive environment. In sri lanka, the competition is not only among the local banks, but also from foreign banks. To stay competitive and strong, a bank’s customer retention is crucial. In this context banking institutions would like to know how the customers select their bank and how they perceive the performance of banks in such competitive environment. The researcher selected sample of 468 banking customers from public and private banks of sri lanka. Responses were analyzed and presented through descriptive, correlation and regression analysis. The findings showed that the security and service quality were the two most crucial factors when selecting a bank in sri lanka. Significant gender and education level factors in bank selection were observed. Study concludes that sri lankan private banks perform better on those factors than the public banks in sri lanka.

Financial misconduct in Indian banks: what matters and what doesn’t?

2020 ◽  
Vol 21 (2) ◽  
pp. 57-76
Author(s):  
Saibal Ghosh
Keyword(s):  
Fixed Effects ◽  
Extended Period ◽  
Content Type ◽  
Factors Affecting ◽  
Private Banks ◽  
Bank Behavior ◽  
Financial Misconduct ◽  
Indian Banks ◽  
Public Banks ◽  
Fixed Effects Regression

Purpose While several facets of financial misconduct have been explored, one aspect which has largely bypassed the attention of researchers is the factors affecting such misconduct behavior in banks. To investigate this in detail, this paper aims to use disaggregated data on Indian banks for an extended period to understand the factors driving such behavior. Design/methodology/approach Given the longitudinal nature of the data, the author uses fixed effects regression methodology which enables us to control for unobserved characteristics that might affect the dependent variable. Findings The analysis indicates that both bank- and board-specific factors are important in driving financial misconduct, although their importance differs across ownership. In particular, while size and capital are relevant for public banks, liquidity is more of a concern for private banks as compared with their public counterparts. In addition, the relevance of bank boards is important only in case of private banks. These results hold after controlling for the structure of the banking industry and the macroeconomic environment. Originality/value To the best of the author’s knowledge, this is one of the earliest studies for India to carefully examine the interface between financial misconduct and bank behavior in a systematic manner.

scholarly journals On Identifying the Systemically Important Tunisian Banks: An Empirical Approach Based on the △CoVaR Measures

Risks ◽  
2019 ◽  
Vol 7 (4) ◽  
pp. 122 ◽  
Author(s):  
Wided Khiari ◽  
Salim Ben Sassi
Keyword(s):  
Systemic Risk ◽  
Value At Risk ◽  
Banking Sector ◽  
Financial Institution ◽  
Herd Behavior ◽  
Financial Difficulties ◽  
Private Banks ◽  
Close Supervision ◽  
The Difference ◽  
Public Banks

The aim of this work is to assess systemic risk of Tunisian listed banks. The goal is to identify the institutions that contribute the most to systemic risk and that are most exposed to it. We use the CoVaR that considered the systemic risk as the value at risk (VaR) of a financial institution conditioned on the VaR of another institution. Thus, if the CoVaR increases with respect to the VaR, the spillover risk also increases among the institutions. The difference between these measurements is termed △CoVaR, and it allows for estimating the exposure and contribution of each bank to systemic risk. Results allow classifying Tunisian banks in terms of systemic risk involvement. They show that public banks occupy the top places, followed by the two largest private banks in Tunisia. These five banks are the main systemic players in the Tunisian banking sector. It seems that they are the least sensitive to the financial difficulties of existing banks and the most important contributors to the distress of the other banks. This work aims to add a broader perspective to the micro prudential application of regulation, including contagion, proposing a macro prudential vision and strengthening of regulatory policy. Supervisors could impose close supervision for institutions considered as potentially systemic banks. Furthermore, regulations should consider the systemic contribution when defining risk requirements to minimize the consequences of possible herd behavior.

Ownership structure and auditor selection

2020 ◽  
Vol 35 (8) ◽  
pp. 1121-1142
Author(s):  
Curtis M. Hall ◽  
Benjamin W. Hoffman ◽  
Zenghui Liu
Keyword(s):  
Ownership Structure ◽  
Banking Industry ◽  
Audit Fees ◽  
High Quality ◽  
Public And Private ◽  
Content Type ◽  
Industry Expert ◽  
Big 4 ◽  
Private Banks ◽  
Public Banks

Purpose This paper aims to investigate the effect that ownership structure (public vs private) has on the demand for high-quality auditors, specifically in the US banking industry. Design/methodology/approach The authors predict that public banks are more likely to hire a high-quality auditor than private banks and pay a higher audit fee premium for that high-quality auditor (due to higher agency costs, more demand for financial information and higher litigation risk). The authors analyze 2008–2014 banking data from the Federal Reserve using probit and OLS regression analysis to examine if there is a higher probability that public banks choose higher quality auditors and pay higher audit fees when they do so. Findings The results show that private banks are less likely to hire Big 4 auditors and industry-expert auditors than public banks. The authors also find that both private and public banks pay higher audit fees for Big 4 and industry-expert auditors, and that public banks pay a higher premium for Big 4 auditors and industry experts than private banks. Research limitations/implications The findings may not be fully generalizable to other types of firms, as banking is a heavily regulated and complex industry. However, inferences from this study may be generalizable to other similar industries such as insurance or health care. Practical implications The results of this paper imply that public and private banks have differing priorities when hiring their financial statement auditor. This may be of interest to investors and auditing regulators. Social implications The findings of this paper underscore the value of hiring an industry-expert auditor in an industry that is highly complex and regulated. This may be of interest to managers and policymakers. Originality/value Due to data restrictions, the emphasis of prior literature on the banking industry has been on public banks. This study is the first to analyze the differences between public and private banks’ demand for audit services.

scholarly journals Tarım Üreticilerinin Bankacılık Sistemi Bağlamında Kredi Kullanımı ve Üretimin Finansmanı Analizi: Bafra Örneği

2021 ◽  
Vol 9 (3) ◽  
pp. 615-620
Author(s):  
Ali Kahramanoğlu
Keyword(s):  
Significant Relationship ◽  
Work Experience ◽  
Public Support ◽  
Effective Communication ◽  
Public Institutions ◽  
Agricultural Insurance ◽  
Private Banks ◽  
Credit Cooperatives ◽  
Public Banks ◽  
Economic Developments

The main channels used in financing agriculture are Agricultural Credit Cooperatives, Public Banks, Private Banks and the manufacturer’s environment. Producers choose financing channels; they vary depending on their work experience, traditional behaviour, education level, openness to innovations, following economic developments and taking out agricultural insurance. In this study, face-to-face interviews were held with 153 agricultural manufacturers operating in Bafra, and data were collected through interviews and open-ended questions. As a result of the analysis, a significant relationship was found between the increase in the ratio of manufacturers’ education, being open to innovations and following economic developments towards private banks other than public institutions. In terms of using financing resources other than public institutions, manufacturers; While a significant relationship was determined between social security status and agricultural insurance usage levels; on the other hand, when age is evaluated with traditional behaviours, the relationship turns out to be meaningless. As the work experience of the manufacturer increases, the tendency to obtain funds from the unorganized environment increases. Effective communication channels should be established for the manufacturer to be aware of and implement innovations and to have the infrastructure to determine the financing method suitable for them. In order to ensure effective communication, agricultural enterprises should be cleansed from wrong financing practices and their financial structures should be preserved, especially by increasing public support and publications and activities.

scholarly journals Socioeconomic development of Brazilian municipalities: The role of public and private banks

2021 ◽  
Vol 38 (77) ◽  
pp. 147-185
Author(s):  
Greisson Almeida Pereira ◽  
Emilson Caputo Delfino Silva
Keyword(s):  
Socioeconomic Development ◽  
Social Role ◽  
Public And Private ◽  
Great Probability ◽  
Private Banks ◽  
Physical Presence ◽  
Public Banks ◽  
High Level ◽  
The Impact

The economic literature has discussed the role of public banks regarding their performance as drivers of socioeconomic development, highlighting their social role when compared to private banks. This paper contributes to this discussion and analyzes the impact of the physical presence of public and private commercial banks on the Firjan Index of Municipal Development (FMDI) of Brazilian municipalities. The results of a logit panel model show that public banks have greater impact on the FMDI rather than private banks, taking into account where the municipality is located and the externalities caused by the neighboring municipality. There is great probability of a municipality being in a high level of development if it has the physical presence of commercial public banks.

scholarly journals Assessing The Relationship Between Liberalization, Ownership And Performance: The Case Of Turkish Banks

2011 ◽  
Vol 3 (1) ◽  
Author(s):  
Ihsan Isik ◽  
Lokman Gunduz ◽  
Osman Kilic ◽  
Dogan Uysal
Keyword(s):  
Financial Liberalization ◽  
Malmquist Index ◽  
Foreign Banks ◽  
Public And Private ◽  
Index Approach ◽  
Private Banks ◽  
And Performance ◽  
Public Banks ◽  
The Impact ◽  
Productivity Gains

This paper employs a DEA-type Malmquist index approach to evaluate the impact of financial liberalization on the productivity changes of public, private and foreign banks in Turkey during the period between 1981 and 1990. The results indicate that all forms of banks have benefited from financial liberalization. However, foreign banks were found to be the most productive, followed by private banks and public banks respectively. The major source of productivity gains is scale changes for public and private banks and technical progress for foreign banks. It also seems that productivity growth indices of all banks converge towards the end of liberalization period.

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