scholarly journals An Analysis of the Determinants of Systemic Banking Crises in Southeast European Countries

2018 ◽  
Vol 7 (2) ◽  
pp. 165-186
Author(s):  
Željka Asanović
Keyword(s):  
Banking Crisis ◽  
Banking System ◽  
Banking Crises ◽  
European Countries ◽  
Global Trends ◽  
Crisis Period ◽  
Banking Systems ◽  
Logit Regression ◽  
Macroeconomic Indicators

Abstract The purpose of this paper is to determine potential indicators of systemic banking crises in five Southeast European countries. Although signal horizon in the literature usually implies a period of 12 months before and 12 months after a crisis outbreak, models in this paper imply a 24-month pre-crisis period. Probability of a banking crisis occurrence is calculated using logit regression. Results have shown that banking system indicators have higher impact on probability of systemic banking crisis occurrence compared to macroeconomic indicators, and that the banking systems of these countries are significantly exposed to global trends.

scholarly journals Glimpse of interaction between traditional and digital banking instruments

2021 ◽  
Vol 2021 (1) ◽  
pp. 101-107
Author(s):  
Oleg Usherovich Avis ◽  
Vladimir E. Kosarev
Keyword(s):  
Customer Service ◽  
Banking System ◽  
Special Importance ◽  
Successful Operation ◽  
Banking Services ◽  
Global Trends ◽  
Banking Systems ◽  
Banking Service ◽  
Global Trend ◽  
Bank Employee

The article is focused on studying the global trends in banking systems: development of digital banking, displacement of traditional banking - banking of branches (affiliates). Within the framework of this global trend, a hybrid banking service model is noticed to be forming, where traditional and digital banking systems complement each other. The concepts of traditional and digital banking are given a detailed consideration. The element of traditional banking – a “live” dialogue between a client and a bank employee - is a very important aspect for the efficient customer service and banking system on the whole. The models of the banking system of modern Russia, Germany, Switzerland and other countries of continental Europe are largely homogeneous. The interaction of traditional and digital banking instruments develops according to the general principles. There has been analyzed the research of the German economists and bankers. There has been mentioned the successful operation of banks in Switzerland, Germany and other banks using the banking systems of the continental model for building new cooperatives of banking instruments. A special importance is given to another global trend - the creation of financial and banking ecosystems, which today mean the combination of banking and non-banking services in the interests of developing a client-oriented approach. There has been justified the hypothesis of the inevitability of building a hybrid model of traditional and digital banking, its actual implementation into actively developing financial and banking ecosystems.

scholarly journals Banking Crises: Identification Problems and Resolution

Upravlenie ◽  
2017 ◽  
Vol 5 (2) ◽  
pp. 9-15
Author(s):  
Ларина ◽  
O. Larina
Keyword(s):  
Banking Sector ◽  
System Analysis ◽  
Banking Crisis ◽  
Banking System ◽  
Banking Crises ◽  
State Control ◽  
State Involvement ◽  
Support Organization ◽  
State Participation ◽  
The Government

This article examines crisis developments in the banking system and contains a classification of banking crises. Banking crises have many common characteristics, but often their course is different. They can vary in nature spread of the crisis in the national economy, the depth and severity, the number of affected financial institutions, among other symptoms. The most dangerous and devastating condition is called systemic banking crisis, a crisis that affected the entire national banking system. The author used method of system analysis, method of comparison and clusterization method. We will analyze resolution strategies and specific anti-crisis tools used in Russia and abroad, and applicable to different conditions. Identification of the crisis is needed to develop and adopt strategies to overcome it. Banking crises can cause different and sometimes completely contradictory factors. Practice shows that there is no universal strategy for normalizing the situation in the banking sector, but in any case it is necessary to note the importance of state participation in the process of overcoming the banking crises. In the absence of government intervention banking crises have serious consequences for the economy. The form of state participation in the process of overcoming a banking crisis and the extent of state involvement in solving the problems of insolvency of banks can be different: the government may restrict the measures to promote and support organization of private capital, to prefer the formal financial support of some banks, to take the banks under state control (control) or eliminate part of banks.

scholarly journals The policy of minimizing of fallouts of banking crisis in Ukraine

2011 ◽  
Vol 8 (2) ◽  
pp. 102-110
Author(s):  
Oksana Gyrba ◽  
Iurii Galych ◽  
Yaroslav Khomutenko
Keyword(s):  
Financial Crisis ◽  
Regulatory Authority ◽  
Banking Crisis ◽  
Banking System ◽  
Sharp Decrease ◽  
Foreign Markets ◽  
National Legislation ◽  
Foreign Experience ◽  
Macroeconomic Indicators

Ukrainian economy faced sharp decrease in 2008, which was characterized by general deterioration in macroeconomic indicators. Such situation and influence of foreign markets led Ukraine to the financial crisis which started in banking system. Ukrainian banking crisis was accompanied by changes in national legislation. There are 3 ways of minimizing of fall-outs of banking crisis in Ukraine. They are as follows: temporary administration, nationalization and liquidation. Ukrainian anti-crisis steps, which were implemented, were compared with foreign experience. The question is whether these steps were as successful as some of foreign ones or not. Analysis which was made showed imperfection of national legislation, lack of interaction between state regulatory authority and lack of effective long-term strategy.

scholarly journals Quantifying the Probability of a Banking Crisis and the Implications for Sovereign Risk

2020 ◽  
Vol 3 (4) ◽  
pp. 11-19
Author(s):  
Adina-Ionela Străchinaru
Keyword(s):  
Logistic Regression ◽  
Risk Premium ◽  
Analytical Framework ◽  
Banking Crises ◽  
European Countries ◽  
International Level ◽  
Sovereign Risk ◽  
Macroeconomic Imbalances ◽  
Macroeconomic Indicators ◽  
Economic Collapse

Identify and validate tools that anticipate the influence of macroeconomic indicators, whose history has indicated, at international level, episodes of economic collapse are the main objective of the paper. Using a logistic regression, I captured a model for quantifying the probability of banking crises, integrating indicators of the scoreboard on macroeconomic imbalances, as well as the sovereign risk premium for European countries. In this sense, the results show the premises underlying the elaboration of the analytical framework for the propagation of sovereign risk at the level of credit institutions.

Russian Banking System under Conditions of Global Crisis

2009 ◽  
pp. 4-14 ◽  
Author(s):  
G. Gref ◽  
K. Yudaeva
Keyword(s):  
Banking System ◽  
Commodity Prices ◽  
Financial Sector ◽  
Banking Crises ◽  
Economic Recovery ◽  
Balance Sheets ◽  
Current Economic Crisis ◽  
Risk Appetite ◽  
The Us ◽  
The Face

Problems in the financial sector were at the core of the current economic crisis. Therefore, economic recovery will only become sustainable after taking care of the major weaknesses in the financial sector. This conclusion is relevant both for the US and UK - the two countries where crisis has started, and for other economies which financial institutions turned out to be fragile in the face of the swings in the risk appetite. Russia is one of the countries where the crisis has revealed serious deficiency in the financial sector. Our study of 11 banking crises during the last 25-30 years shows that sustainable economic recovery and decrease in the dependence on commodity prices will be virtually impossible without cleaning of balance sheets and capitalization of the financial sector.

Stress-testing Russian Banking System: Will Banks Need Government Assistance Again?

2010 ◽  
pp. 61-81 ◽  
Author(s):  
O. Solntsev ◽  
A. Pestova ◽  
M. Mamonov
Keyword(s):  
Stress Testing ◽  
Banking Sector ◽  
Stress Test ◽  
Banking System ◽  
Government Assistance ◽  
Methodological Issues ◽  
Loan Portfolio ◽  
Macroeconomic Indicators ◽  
Remote Stress ◽  
Capital Injections

The article analyzes factors that affect growth of the share of non-performing loans in the loan portfolio of Russian banks and proposes approaches for this share forecasting on the basis of dynamics of macroeconomic indicators. It also deals with methodological issues of remote stress-test of lending agencies. Using the results of conducted stress-test of Russian banks the authors assess their perspective capital needs in 2010 and estimate the share of government assistance in capital injections. Furthermore, the authors define the scale of vulnerable banks groups in the Russian banking sector.

Bankers and politicians: mutual interests and contradictions (the historical experience of different countries)

2018 ◽  
Author(s):  
Ирина Юдина ◽  
Irina Yudina
Keyword(s):  
Political Science ◽  
Political Institutions ◽  
Economic History ◽  
Banking System ◽  
Main Idea ◽  
The Political ◽  
Historical Experience ◽  
Banking Systems ◽  
Analysis Tools ◽  
Political Game

This work is an attempt to explain the political roots from which banking systems have evolved in different countries and how they have evolved at different times. For this purpose, materials and analysis tools from three different disciplines were used: economic history, political science and Economics. The main idea that is set out in this paper is the statement that the strength and weakness of the banking system is a consequence of the Great political game and that the rules of this game are written by the main political institutions.

scholarly journals Assessing the Impact of Corporate Governance Index on Financial Performance in the Romanian and Italian Banking Systems

2021 ◽  
Vol 13 (10) ◽  
pp. 5535
Author(s):  
Marco Benvenuto ◽  
Roxana Loredana Avram ◽  
Alexandru Avram ◽  
Carmine Viola
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Banking Sector ◽  
Research Question ◽  
Interactive Effect ◽  
Banking System ◽  
Capital Adequacy ◽  
Banking Systems ◽  
Governance Index ◽  
The Impact

Background: Our study aims to verify the impact of corporate governance index on financial performance, namely return on assets (ROA), general liquidity, capital adequacy and size of company expressed as total assets in the banking sector for both a developing and a developed country. In addition, we investigate the interactive effect of corporate governance on a homogenous and a heterogeneous banking system. These two banking systems were chosen in order to assess the impact of corporate governance on two distinct types of banking system: a homogenous one such as the Romanian one and a heterogeneous one such as the Italian one. The two systems are very distinct; the Romanian one is represented by only 34 banks, while the Italian one comprises more than 350 banks. Thus, our research question is how a modification in corporate governance legislation is influencing the two different banking systems. The research implication of our study is whether a modification in legislation, thus in the index of corporate governance, is feasible for two different banking sectors and what the best ways to increase the financial performance of banks are without compromising their resilience. Methods: Using survey data from the Italian and Romanian banking systems over the period 2007–2018, we find that the corporate governance has a significant, positive and long-lasting effect on profitability and capital adequacy in both countries. Results: Taking the size of the company into consideration, the impact of the Index of Corporate Governance (ICG) on a homogenous banking system is positive while the impact on a heterogeneous banking system is negative. Conclusions: Our study provides evidence of the impact of IGC on financial performance and sheds light on the importance of the size of the company. Therefore, one can state that the corporate governance principles applied do not encourage the growth of large banks in heterogeneous banking sectors, thereby suggesting new avenues of research associated with new perspectives.

Sign in / Sign up

Export Citation Format

Share Document