scholarly journals Research and methodological basis for ensuring the financial security of banks in Ukraine

2018 ◽  
Vol 13 (4) ◽  
pp. 143-152
Author(s):  
Ievgen Balatskyi ◽  
Vita Andrieieva ◽  
Olesia Solodovnik ◽  
Volodymyr Lypchanskyi
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Financial Security ◽  
Financial Health ◽  
Growth Vector ◽  
Instrumental System ◽  
Dynamic Resource ◽  
Methodological Approaches ◽  
Strategic Perspective

In an unstable financial and economic, political and social context, a number of Ukrainian banks demonstrate downtrends in their profitability, liquidity, and solvency rates. With that, the financial health and the growth vector of the whole banking sector of the country in the strategic perspective precisely depends on the quality of measures taken to ensure the financial security of a banking institution.The article analyzes the concept of financial security of a bank from the standpoint of protective, dynamic, resource-functional, competitive and systemic approaches. The authors substantiate that the financial security of the banking system as a whole and that of an individual bank is an integral part of the financial security of the country. In addition, three methodological approaches to assessing the financial security of the country's banking sector are identified and described, namely instrumental, system and target-oriented and criterial ones. Based on theoretical and methodological analysis of scientific works and methodological approaches, a system of research and methodological support for the bank's financial security is proposed.

Impact of NPAs on Bank Profitability

2014 ◽  
pp. 399-409
Author(s):  
Saurabh Sen ◽  
Ruchi L. Sen
Keyword(s):  
Banking Sector ◽  
Focal Point ◽  
Negative Relationship ◽  
Banking System ◽  
Data Representation ◽  
Reform Era ◽  
Analytical Perspective ◽  
Observation Method ◽  
Representation Techniques

NPA is a “termite” for the banking sector. It affects liquidity and profitability of the bank to a great extent; in addition, it also poses a threat to the quality of asset and survival of banks. The post-reform era has changed the whole structure of the banking sector of India. Now, the economy is not confined to the domestic boundary of the country. The core intention of economic reforms in India was to attract foreign investments and create a sound banking system. This chapter provides an empirical approach to the analysis of profitability indicators with a focal point on Non-Performing Assets (NPAs) of commercial banks in the Indian context. The chapter discusses NPA, factors contributing to NPA, magnitude, and consequences. By using an analytical perspective, the chapter observes that NPAs affected significantly the performance of the banks in the present scenario. On the other hand, factors like better credit culture, managing the risk, and business conditions led to lowering of NPAs. The empirical findings using observation method and statistical tools like correlation, regression, and data representation techniques identify that there is a negative relationship between profitability measure and NPAs.

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 ISSUES OF FORMING PERSONNEL CAPACITY IN THE CONTEXT OF THE DEVELOPMENT OF THE ISLAMIC BANKING SECTOR IN THE REPUBLIC OF TAJIKISTAN

2020 ◽  
pp. 127-132
Author(s):  
Sh. S. Sharipov
Keyword(s):  
Customer Satisfaction ◽  
Banking Sector ◽  
Banking System ◽  
Training System ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Personnel Training ◽  
Banking Services ◽  
The Republic

The issues of forming personnel capacity in the Republic of Tajikistan, in the context of the launch of the first Bank providing services in accordance with the principles of Islamic Finance have been considered. For the purpose of a comprehensive assessment of the situation, the experience of individual countries in this area of activity, as well as the experience of previous research, ware studied. Conclusions about the state and prospects of development of the Islamic banking system in the current conditions, as well as a description of a number of measures, the implementation of which will ensure the acceleration of formation of the necessary personnel capacity in the Republic of Tajikistan have been given. In particular, the proposed measures address the issues of creating a competitive personnel training system, improving the quality of banking services provided and customer satisfaction.

scholarly journals Investment policy of the banking sector: data from Russia

2021 ◽  
Vol 10 (42) ◽  
pp. 149-162
Author(s):  
Alexei Zverev ◽  
Victoria Mandron ◽  
Tatiana Rebrina ◽  
Maria Mishina ◽  
Yulia Karavaeva
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Investment Policy ◽  
Investment Portfolio ◽  
Investment Activity ◽  
Composition And Structure ◽  
High Volatility ◽  
Investment Portfolios ◽  
Credit Institutions

The growing investment activity of banking sector organisations is an important condition for securing diversification of assets and obtaining additional sources of income, as well as maintaining the required level of liquidity. Economic crises and instability of stock markets affect the investment policy of a bank, the quality of its investment portfolio, and the scope of investment transactions with securities. The purpose of the research is to carry out a comprehensive analysis of the investment mechanism of the Russian banking sector and its organisation, to characterise the investment policy and risks connected with investment activities, to determine the criteria for financial instruments included in the structure of investment portfolios of Russian credit institutions. The authors used the analytical, regulatory, comparative, and statistical methods of research to define the dynamics, composition, and structure of investment portfolios and risks involved in the business of financial and credit institutions, in the course of the formation of investment policy. It was concluded, as a result of the research, that enhanced performance, stability, and liquidity of credit institutions were conditioned by the structure and quality of portfolio investments. Improving the efficiency of the banking investment mechanism is a priority area of development, for strengthening the competitive positions of credit institutions in the national banking system. The article presents conclusions regarding the quality of investment operations and transactions with securities effectuated by banks at the present stage. The authors undertook a comparative analysis of indicators characterising the structure of investment assets of the banking sector, grouped by types of investment portfolio. Proceeding from the above, particular directions were developed for practical use, that allow for efficient selection of stock market instruments for inclusion in the investment portfolio of credit institutions in the conditions of high volatility and uncertainty of the financial market.

CHARACTERISTICS OF THE FINANCIAL SECURITY OF THE BANKING SECTOR IN THE REGION (ON THE EXAMPLE OF THE REPUBLIC OF KOMI)

2021 ◽  
Vol 2 (5) ◽  
pp. 98-108
Author(s):  
M. S. KYZYUROV ◽  
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
The State ◽  
Financial Security ◽  
The Republic

The article presents the characteristics of the financial security of the regional banking sector, examines the threats to the financial state of the banking system in the region. The author's methodology for conducting a point assessment of financial security is proposed, based on the indicative method and the use of the nor-malizing function, as well as the distribution of ratings depending on the points awarded for six security zones. The method is tested on the example of the Republic of Komi. Significant threats to the financial security of the region have been identified, and recommendations for their elimination have been proposed. The meth-odology is proposed to be used when the state authorities and the Bank of Russia monitor the state of the banking sector in the region.

scholarly journals Concentration and Competition in the Albanian Banking Sector

2015 ◽  
Vol 2 (1) ◽  
pp. 168 ◽  
Author(s):  
Eleana Lici ◽  
Irena Boboli
Keyword(s):  
Financial Services ◽  
Banking Sector ◽  
Market Competition ◽  
Banking System ◽  
External Financing ◽  
Low Level ◽  
Banking Market ◽  
The Government ◽  
High Level

Albania has a relatively new financial system, where banking system is the most developed financial service in our country, with a share of 94, 4% of the total financial services. This is a phenomenon of countries with emerging economies, which proves that there is greater reliance on the state economic development of the banking sector, by effecting from the households to the biggest investors and the government. As in any market, competition is important for the banking sector because, it affects the efficiency and the quality of services offered. Furthermore, competition in banking has also implications for other sectors of the economy. So, higher competition in the banking sector is found to be associated with a faster growth of other sectors of the economy that rely on external financing. The main goal of this paper is to understand the characteristics of competition in our banking system and study the relationship between the level of concentration and competition. We are going to measure the concentration by the “H” indices. The “H” (Herfindaflit) indices is a measure of the level of the concentration of the banking system of a country. A high level of the indices shows a high level of concentration and as a consequence a low level of competition. A low level of the indices shows a low level of concentration which is sign of a banking market with a high competition.

scholarly journals Framework to predict NPA/Willful defaults in corporate loans: a big data approach

2019 ◽  
Vol 9 (5) ◽  
pp. 3786
Author(s):  
Girija Attigeri ◽  
Manohara Pai M M ◽  
Radhika M Pai
Keyword(s):  
Big Data ◽  
Banking System ◽  
Synthetic Data ◽  
Significant Rise ◽  
Classification Model ◽  
Critical Parameters ◽  
Financial Health ◽  
Data Platform ◽  
Systematic Identification

Growth and development of the economy is dependent on the banking system. Bad loans which are Non-Performing Assets (NPA) are the measure for assessing the financial health of the bank. It is very important to control NPA as it affects the profitability, and deteriorates the quality of assets of the bank. It is observed that there is a significant rise in the number of willful defaulters. Hence systematic identification, awareness and assessment of parameters is essential for early prediction of willful default behavior. The main objective of the paper is to identify exhaustive list of parameters essential for predicting whether the loan will become NPA and thereby willful default. This process includes understanding of existing system to check NPAs and identifying the critical parameters. Also propose a framework for NPA/Willful default identification. The framework classifies the data comprising of structured and unstructured parameters as NPA/Willful default or not. In order to select the best classification model in the framework an experimentation is conducted on loan dataset on big data platform. Since the loan data is structured, unstructured component is incorporated by generating synthetic data. The results indicate that neural network model gives best accuracy and hence considered in the framework.

scholarly journals IMPROVING CONSUMER LENDING MODEL CLIENTS

2016 ◽  
Vol 2 (1) ◽  
pp. 245-249
Author(s):  
Лычева ◽  
Irina Lycheva ◽  
Молчанова ◽  
Vera Molchanova
Keyword(s):  
User Interfaces ◽  
Banking Sector ◽  
Banking System ◽  
Customer Base ◽  
Consumer Lending ◽  
Banking Market ◽  
The Russian Federation ◽  
Relationship Of ◽  
The Relationship

The dynamism of the ongoing reforms in the domestic banking sector, one way or another, concerns the relationship of banks with their clients. The customer base responds differently to the reform of the banking system: there is a category of clients who do not take the action of the Central Bank of the Russian Federation, they argue that the monopoly of state-owned banks will lead to a deterioration of service, reduction in quality of banking products and riskiness of banking operations. But there is another category of customers who are positive about the changes and consider increasing the state presence in the banking market of the natural course of development. They link these changes with the possibility of increasing the funding the most important sectors of the real sector of the economy: construction, metallurgy, mechanical engineering. The problem of the banking sector today and in previous periods is similar in many respects: banks still continue to search for the elusive Holy Grail - lasting relationships with customers. Despite the high technology, graphical user interfaces and marketing strategy for the implementation of the task is still unclear in many respects.

scholarly journals THE NEED TO DEVELOP PROTECTIVE MEASURES TO MAINTAIN AND SUSTAINABLE FUNCTIONING OF THE BANKING ECOSYSTEM IN RUSSIA

2021 ◽  
pp. 40-47
Author(s):  
Л. Р. Магомаева ◽  
М. М. Абдурахманова ◽  
Т. Р. Магомаев
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Competitive Advantages ◽  
Protective Measures ◽  
Operational Risks ◽  
Complex Information ◽  
New Information ◽  
The Face ◽  
Remote Services

В условиях активного развития экосистем и сближения финансового и нефинансового секторов особую важность приобретает не только качество используемых сервисов, но и контроль за их функционированием на уровне операционных офисов и внутренних структурных подразделений банков. Стратегически важным приоритетом современного банковского сектора выступает поиск новых информационных взаимосвязей, генерирующих не только конкурентные преимущества, но изменение профиля операционных рисков в условиях увеличения объема дистанционных услуг, характера и объемов их предоставления на уровне экосистемы.Развитие глобальных экосистем актуализирует проблемы защиты банковской системы ввиду растущих операционных рисков, оказывающих влияние на капитал. В этой связи целью данной публикации выступает поиск комплексных информационных индикаторов, способных оказать превентивное воздействие на снижение операционных потерь для банков в условиях рисков и неопределенности внешней и внутренней среды. In the context of the active development of ecosystems and the convergence of the financial and non- financial sectors, not only the quality of the services used, but also control over their functioning at the level of operational offices and internal structural divisions of banks, is of particular importance.A strategically important priority of the modern banking sector is the search for new information relationships that generate not only competitive advantages, but also a change in the profile of operational risks in the face of an increase in the volume of remote services, the nature and volume of their provision at the ecosystem level.The development of global ecosystems actualizes the problems of protecting the banking system in view of growing operational risks affecting capital.In this regard, the purpose of this publication is to search for complex information indicators that can have a preventive effect on reducing operating losses for banks in the face of risks and uncertainty in the external and internal environment.

TRANSFORMATION OF THE BANKING SECTOR IN THE CONTEXT OF DIGITALIZATION

2020 ◽  
Author(s):  
Ольга Юрьевна Кузьмина ◽  
Марина Николаевна Кичатова
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Quality Of Services ◽  
Banking Market ◽  
Competitive Relations

В статье рассмотрены основные аспекты происходящей эволюции банковской системы в условиях цифровизации экономики. Сделан вывод о наличии противоречивых тенденций в развитии банковского рынка, усиление процессов монополизации банковского сектора не способствует укреплению конкурентных отношений, что негативным образом отражается на качестве предоставляемых услуг потребителям. The article considers the main aspects of the ongoing evolution of the banking system in the context of digitalization of the economy. The conclusion is made that there are contradictory trends in the development of the banking market, and the strengthening of the processes of monopolization of the banking sector does not contribute to strengthening competitive relations, which negatively affects the quality of services provided to consumers.

Sign in / Sign up

Export Citation Format

Share Document