Governance and the Success of U.S. Community Banks, 1790-2010: Mutual Savings Banks, Local Commercial Banks, and the Merchants (National) Bank of New Bedford, Massachusetts

In this paper we aim to find out whether bank specialization and bank capitalization affect the relationship between loans growth and capital ratio, both in expansions and in contractions. We hypothesize that the impact of bank capital on lending is relatively strong in cooperative banks and savings banks. We also expect that this effect is nonlinear, and is stronger in “low” capital banks than in “high” capital banks. In order to test our hypotheses, we apply the two-step GMM robust estimator for data spanning the years 1996–2011 on individual banks available in the Bankscope database. Our analysis shows that lending of poorly capitalized banks is more affected by capital ratio than lending of well-capitalized banks. Loans growth of cooperative and savings banks is more capital constrained that lending of commercial banks. Capital matters for the lending activity in contractions only in the case of savings and “low” capital banks.

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A case study of National Bank of Pakistan: From 2007 to 2016

Open Journal of Science and Technology ◽

10.31580/jmis.v1i1.148 ◽

2018 ◽

Vol 1 (1) ◽

pp. 12-14

Author(s):

Muzayyab Taqdees

Keyword(s):

Commercial Banks ◽

Regulatory Authority ◽

Annual Reports ◽

Board Size ◽

Financial Variables ◽

The Past ◽

Earnings Per Share ◽

Leadership Structure ◽

National Bank

National Bank of Pakistan is one of the largest commercial banks in the country. This case study is a general review of the managerial and financial aspects of the bank. The leadership structure and board size are considered as a variable of management side and pre-tax profit and earnings per share are used as financial variables. Some figures extracted from the annual reports are provided as the evidence of what happened in the respective year. From year 2007 to 2016 leadership structure of national bank of Pakistan change from dual leadership structure to non-dual and again to dual. Also in the past decade the bank hits its financial height in 2016 but it also touches the bottom in 2013. This review concluded that the developing country like Pakistan needs to have a strong judicial and regulatory authority. Also the non-dual leadership structure can be more profitable and board size should be at least average if not large.

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Progress of Self Help Group-Bank Linkage Programme in India

Shanlax International Journal of Economics ◽

10.34293/economics.v9i2.3735 ◽

2021 ◽

Vol 9 (2) ◽

pp. 41-51

Author(s):

N Muthu

Keyword(s):

Commercial Banks ◽

Banking Sector ◽

Bank Loans ◽

Statistical Tools ◽

North West ◽

Self Help ◽

The Poor ◽

National Bank ◽

Self Help Group ◽

Remarkable Progress

In this paper an attempt has been made to analyse the progress of SHG-Bank linkage programme in India during the period between 2007-2008 and 2019-2020. The progress of SHG-Bank linkage programme has been analyzed in terms growth of savings of SHGs with banks and growth of bank loans disbursed to SHGs. For this purpose the data required for the study were collected from the official publication of National Bank for Agricultural and Rural Development (NABARD), different published reports, journals and existing available literature. This study employed simple statistical tools such as percentage analysis and averages to analyze the data. The result of the study shows that there is significant raise in the amount of savings of SHGs with banking sector and amount of loans disbursed to SHGs, During this study period. However the agency-wise analyses of savings of SHGs and loans disbursed to SHGs show that the Commercial banks lead in getting savings of SHGs and loans disbursed to them followed by Regional Rural Banks and Co-operative banks. Not with standing the remarkable progress, geographically there has been skewed development of SHG-Bank linkage programme in India. There is wide regional disparity in the spread of SHGs, savings of SHGs with banks and loans disbursed to SHGs under this programme. The outreach of this programme is spectacular in Southern region while North, West and Eastern regions are lagging behind. In view of the large outreach, predominant position and the possible benefits to the poor, it is very important to see the benefits of this programme to reach across all sections of the society and regions. So far the SHG movement is India is mostly South-Centric and it is yet to take off the real sense in other regions of India.

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