Islamic vs. Conventional Banking: Business Model, Efficiency and Stability

CFA Digest ◽  
2013 ◽  
Vol 43 (2) ◽  
pp. 45-47
Author(s):  
Natalie Schoon
Keyword(s):  
Business Model ◽  
Banking Business ◽  
Model Efficiency

scholarly journals Islamic vs. conventional banking: business model, efficiency and stability

2010 ◽  
Author(s):  
Thorsten Beck ◽  
Asli Demirgüç-Kunt ◽  
Ouarda Merrouche
Keyword(s):  
Business Model ◽  
Banking Business ◽  
Model Efficiency

scholarly journals Islamic vs. conventional banking: Business model, efficiency and stability

2013 ◽  
Vol 37 (2) ◽  
pp. 433-447 ◽  
Author(s):  
Thorsten Beck ◽  
Asli Demirgüç-Kunt ◽  
Ouarda Merrouche
Keyword(s):  
Business Model ◽  
Banking Business ◽  
Model Efficiency

scholarly journals The Effects of Business Model on Bank’s Stability

2021 ◽  
Vol 9 (3) ◽  
pp. 46
Author(s):  
Thuy Thu Nguyen ◽  
Hai Hong Ho ◽  
Duy Van Nguyen ◽  
Anh Cam Pham ◽  
Trang Thu Nguyen
Keyword(s):  
Business Model ◽  
Business Models ◽  
The Philippines ◽  
Policy Implications ◽  
Model Choice ◽  
Econometric Methods ◽  
Banking Business ◽  
Asean Countries ◽  
Negative Impacts ◽  
The Stability

The literature shows little evidence of the effects of business models upon the volatility of banks in developing and fast-growing economies. Hence, this study examines the effects of business model choice on the stability of banks in ASEAN countries. Using GMM and other robust econometric methods on the sample of 99 joint stock commercial banks, we find significant and negative impacts of a diversification model in which banks shift toward non-interest and fees-based activities. We also find that the impacts are different between two groups of countries. For Vietnam, Indonesia and the Philippines, the diversification entails negative impacts on stability while demonstrating positive impacts for Thailand and Malaysia. Based on these findings, we draw policy implications for more sustainable development in the ASEAN banking business.

Banks and Misconduct

2020 ◽  
pp. 193-250
Author(s):  
Richard S Collier
Keyword(s):  
Business Model ◽  
External Control ◽  
Control Mechanisms ◽  
Half Century ◽  
Significant Incidence ◽  
Banking Market ◽  
Banking Business ◽  
Tax Systems ◽  
The Impact

This chapter deals with the issues and implications of misconduct scandals involving banks and the inter-bank market. The discussion begins by surveying the significant incidence of misconduct by banks across the globe and then presents an explanation for this based on systemic features of the banking market. This includes an account of the impact of a number of profound changes to the banking business model which have taken place in the last half-century as banks have shifted to a highly transactional business model and discovered that tax systems around the globe present fertile opportunities for exploitation. The discussion includes an analysis of why it is considered that the banks’ internal and external control mechanisms have materially failed.

Reimagining the Banking Business Model

2021 ◽  
pp. 155-185
Author(s):  
Lalitagauri Kulkarni ◽  
Vasant Chintaman Joshi
Keyword(s):  
Business Model ◽  
Banking Business

scholarly journals The Future of Banking System and Economic Development in Nigeria

2015 ◽  
Vol 20 (1) ◽  
Author(s):  
Olu Ajakaiye ◽  
M. Adetunji Babatunde
Keyword(s):  
Economic Development ◽  
Business Model ◽  
Commercial Banks ◽  
Banking System ◽  
Bank Lending ◽  
Real Sector ◽  
The Real ◽  
Access To Credit ◽  
The Future ◽  
Banking Business

This study examined the future of banking system and economic development in Nigeria in the context of the demand following hypothesis. Although, the Nigerian economy has witnessed steady growth, the productive base of the economy is narrow. This therefore requires that banks must engage in an effective financial intermediation process to aid the transformation of the real sector as an engine of growth. However, while the deposits mobilized and assets base of the commercial banks has increased in leap and bounds, the real sector access to credit is on the decline. Rather, the bulk of the funds are invested on government short term securities given their risk free characteristics which reflect the lazy bank syndrome. Prohibitively high cost of credit and existence of hidden charges also inhibit real sector access to commercial banks loan. Hence, to reconnect the banking system with the real sector, there is a need to discourage armchair banking business model and encourage supportive banking business model, lending and secure appropriate maturity profile of loans to the real sectors, promote modified collateral bank lending model, and encourage specialization of bank branches. These are expected to aid the growth of the real sector and fast track the process of economic development in Nigeria.

scholarly journals Bank business modeling and levels of non-performing loans:Perspectives of international risk factors in Ukraine

2019 ◽  
Vol 6 (2) ◽  
pp. 282-296 ◽  
Author(s):  
Olha Vovchak ◽  
Serhij Reverchuk ◽  
Viktoria Rudevska ◽  
Yaroslav Khlan
Keyword(s):  
Risk Factors ◽  
Business Model ◽  
Business Models ◽  
Banking Crisis ◽  
Econometric Models ◽  
Business Modeling ◽  
Banking Business

This article identifies five different banking business models using the k-means method and demonstrates how banks carried out the migration between defined clusters during the banking crisis. The article identifies and links the banks with the business model they are most exposed to in terms of risk of insolvency. The factors that influence the rate of non-performing loans are defined. Developed econometric models will allow banks with certain business models to improve their activity with non-performing loans. The article also analyzes how the amount of loans to related parties can be injected into the amount of non-performing loans.

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