scholarly journals MANAJEMEN PERBANKAN BERBASIS NILAI: DAMPAK PADA PENGEMBALIAN PEMEGANG SAHAM

2020 ◽  
Vol 18 (3) ◽  
pp. 482-499
Author(s):  
Ahfi Nova Ashriana
Keyword(s):  
Performance Indicators ◽  
Commercial Banks ◽  
Macroeconomic Factors ◽  
Value Based Management ◽  
Percentage Points ◽  
Before And After ◽  
Banking Institutions ◽  
The 2008 Financial Crisis ◽  
Using Data ◽  
Loan Losses

In this study, we analyzed the drivers of Total Shareholder Revenue (TSR) at commercial banks and evaluated whether non-adopter TSR performed better by Value-Based Management (VBM) banks. TSR models using data from 132 commercial banks registered in Europe and North America are estimated. First, we point out that banking institutions that have publicly implemented VBM in their MCS outperform non-VBM banks. VBM adopters produce annual TSR with an average of 5.8 percentage points. In terms of profitability, growth and liquidity, they also outperform non-VBM banks. Second, we note that banking companies concentrate on key performance indicators (KPIs) such as cost-of-income ratios which are suboptimal TSR indicators. We propose the implementation of indicators closer to TSR, such as asset repayment or the provision of loan losses. In their MCS, to date few banks have considered such KPIs (10 percent -45 percent). The shift to KPIs we propose can further improve the performance of VBM adopters. Our findings stabilized before and after the 2008 financial crisis when we monitored macroeconomic factors.

Do the calendar anomalies still exist? Evidence from Indian currency market

2016 ◽  
Vol 42 (2) ◽  
pp. 136-150 ◽  
Author(s):  
Satish Kumar ◽  
Rajesh Pathak
Keyword(s):  
Least Square ◽  
January Effect ◽  
Currency Markets ◽  
Content Type ◽  
Currency Market ◽  
Before And After ◽  
Calendar Anomalies ◽  
Ordinary Least Square Regression ◽  
The 2008 Financial Crisis ◽  
Using Data

Purpose – The purpose of this paper is to examine the presence of the day-of-the-week (DOW) and January effect in the Indian currency market for selected currency pairs; USD-(Indian rupee) INR, EUR-INR, GBP-INR and JPY-INR, from January, 1999 to December, 2014. Design/methodology/approach – Ordinary least square regression analysis is used to examine the presence of DOW and January effect to test the efficiency of the Indian currency market. The sample period is later divided into two sub-periods, that is, pre- and post-2008 to capture the behavior of returns before and after the 2008 financial crisis. Further, the authors also use the non-parametric technique, the Kruskal-Wallis test, to provide robustness check for the results. Findings – The results indicate that the returns during Monday to Wednesday are positive and higher than the returns on Thursday and Friday which show negative returns. The returns during January are found to be higher than the returns during rest of the year. Further, all currencies exhibit significant DOW and January effects in pre-crisis period, however, post-crisis; these effects disappear for all currencies indicating that the markets have become more efficient in the later time. The findings can be further attributed to the increased intervention in the forex markets by the Reserve Bank of India after the crisis. Practical implications – The results have important implications for both traders and investors. The findings suggest that the investors might not be able to earn excess profits by timing their positions in some particular currencies taking the advantage of DOW or January effect which in turn indicates that the currency markets have become more efficient with time. The results are in conformity with those reported for the developed markets. The results might be appealing to the practitioners as well in a way that they can consider the state of financial market for financial decision making. Originality/value – The authors provide the first study to examine the calendar anomalies (DOW and January effect) across a range of emerging currencies using 16 years of data from January, 1999 to December, 2014. To the best of the authors’ knowledge, no study has yet examined these calendar anomalies in the currency markets using data which covers two important periods, pre-2008 and post-2008.

scholarly journals Business Model as a Concept of Sustainability in the Banking Sector

2019 ◽  
Vol 12 (1) ◽  
pp. 111 ◽  
Author(s):  
Renata Karkowska
Keyword(s):  
Financial Crises ◽  
Commercial Banks ◽  
Business Models ◽  
Banking Sector ◽  
Research Question ◽  
Macroeconomic Factors ◽  
Sustainable Finance ◽  
Points Of View ◽  
Using Data ◽  
Country Specific

The paper presents the concept of a sustainable bank by developing a framework based on performance of different business models. Traditional banking and investment activities, such as trading in securities or securitization, may reduce the risk of commercial banks and provide an attractive approach to sustainable finance. Using the method of assessing the performance of a bank, the study appraises the degree of sustainability of the bank from different stakeholders’ points of view. The aim of the article is to verify the research question: how does diversification of traditional activities of commercial banks affect their sustainability? The analysis has been extended by the importance of country-specific and macroeconomic factors. The survey was conducted on 368 commercial banks from European countries, using data from the period 1998−2015. The study contributes to the ongoing discussion on the recognized profitability and sustainability nexus as an important part of sustainable finance that may be a powerful solution to financial crises.

scholarly journals DETERMINANTS OF COMMERCIAL BANKS PROFITABILITY THROUGH ANALYSIS OF FINANCIAL PERFORMANCE INDICATORS: EVIDENCE FROM KOSOVO

2017 ◽  
Vol 18 (0) ◽  
pp. 160-170 ◽  
Author(s):  
Artor Nuhiu ◽  
Arbër Hoti ◽  
Mejdi Bektashi
Keyword(s):  
Financial Performance ◽  
Performance Indicators ◽  
Commercial Banks ◽  
Banking Sector ◽  
Financial Time Series ◽  
Capital Adequacy ◽  
Macroeconomic Factors ◽  
Determinant Factors ◽  
Net Interest Margin ◽  
Asset Quality

The purpose of this study is to elaborate whether the determinants of commercial banks’ profitability affect the financial performance of commercial banks in Kosovo. Performance evaluation of commercial banks in Kosovo is done through measurement of financial performance indicators such as Return on Average Equity (ROAE), Return on Average Assets (ROAA) and Net Interest Margin (NIM). The study identifies the main factors that affect the profitability of commercial banks through analysis of financial time series and panel data of the banking sector in Kosovo. The study presents three models of financial performance analysis which highlight the influencing factors. The models are based on regression analysis, and the obtained results emphasize the relationship between the determinant factors of commercial banks profitability expressed through analysis of financial performance indicators. The study concludes that commercial banks profitability in Kosovo is driven mainly by internal determinant factors such as capital adequacy, asset quality and management efficiency, while macroeconomic factors have insignificant impact on financial performance of commercial banks.

Impact of the 2008-2009 recession on African-American owned US banks

2015 ◽  
Vol 41 (4) ◽  
pp. 385-395 ◽  
Author(s):  
William Lepley ◽  
Robert Nagy ◽  
Mussie Teclezion
Keyword(s):  
African American ◽  
Commercial Banks ◽  
Peer Group ◽  
Content Type ◽  
Loan Portfolios ◽  
Performance Differences ◽  
Before And After ◽  
The Usa ◽  
Significant Performance ◽  
Banking Institutions

Purpose – The purpose of this paper is to contribute to the literature on minority-owned commercial banks in the USA. Design/methodology/approach – The authors examine performance differences between African-American (AA) commercial banks and other minority (OM)-owned banks. Also, the authors compare AA bank performance with that of their peer-group banking institutions. Findings – Employing data both before and after the recessionary period of 2008-2009, the authors find significant performance differences between minority ownership categories. For example, prior to 2008, AA banks held a significant advantage over OM-owned banks in net interest income as a percentage of average assets. This competitive advantage was somewhat offset by relatively weak loan portfolios and failure to contain costs. The 2008 crisis served to exacerbate the negatives of African-American banks while their positive differences essentially disappeared. Originality/value – The focus is different than the previous studies on minority-owned banks. The authors are especially interested in how AA banks have fared – relative to banking industry peer institutions, but also, relative to OM-owned banks.

Regional banking system in Russia: Trends and factors of spatial distribution

2017 ◽  
pp. 123-141 ◽  
Author(s):  
S. Ageeva ◽  
A. Mishura
Keyword(s):  
Spatial Distribution ◽  
Commercial Banks ◽  
Banking System ◽  
Federal District ◽  
Russian Regions ◽  
Siberian Federal District ◽  
Federal Districts ◽  
Banking Business ◽  
Banking Institutions

We examine the spatial distribution of banks in Russian regions to identify the factors that affect changing territorial architecture of the banking system. The object of the study is dynamics of the number of commercial banks and their branches in 1991-2016. Besides the well-known tendency of concentration of the banking business in Moscow and reducing the number of banks in other regions we analyzed situation in the federal districts taking as an example the Siberian Federal District. This approach allowed us to formulate hypotheses about the causes of differences in the availability of banking institutions in Russian regions.

A Study On Performance Indicators Of Commercial Banks

2011 ◽  
Vol 1 (5) ◽  
pp. 31-33
Author(s):  
Dr. G. Ganesan Dr. G. Ganesan ◽  
◽  
P. Parthasarathy P. Parthasarathy
Keyword(s):  
Performance Indicators ◽  
Commercial Banks

How Collective-Action Failure Shapes Group Heterogeneity and Engagement in Conventional and Radical Action Over Time

2021 ◽  
pp. 095679762097056
Author(s):  
Morgana Lizzio-Wilson ◽  
Emma F. Thomas ◽  
Winnifred R. Louis ◽  
Brittany Wilcockson ◽  
Catherine E. Amiot ◽  
...  
Keyword(s):  
Social Movements ◽  
Collective Action ◽  
Latent Profile Analysis ◽  
Profile Analysis ◽  
Social Identification ◽  
Future Research ◽  
Group Efficacy ◽  
Before And After ◽  
Using Data ◽  
Over Time

Extensive research has identified factors influencing collective-action participation. However, less is known about how collective-action outcomes (i.e., success and failure) shape engagement in social movements over time. Using data collected before and after the 2017 marriage-equality debate in Australia, we conducted a latent profile analysis that indicated that success unified supporters of change ( n = 420), whereas failure created subgroups among opponents ( n = 419), reflecting four divergent responses: disengagement (resigned acceptors), moderate disengagement and continued investment (moderates), and renewed commitment to the cause using similar strategies (stay-the-course opponents) or new strategies (innovators). Resigned acceptors were least inclined to act following failure, whereas innovators were generally more likely to engage in conventional action and justify using radical action relative to the other profiles. These divergent reactions were predicted by differing baseline levels of social identification, group efficacy, and anger. Collective-action outcomes dynamically shape participation in social movements; this is an important direction for future research.

scholarly journals Assessing the impact of case mobility: issues and recommendations from Greece

2021 ◽  
Vol 68 (1) ◽  
pp. 1-12
Author(s):  
Athanasios Thanos Giannopoulos
Keyword(s):  
Performance Indicators ◽  
Evaluation Framework ◽  
Transport Systems ◽  
Intelligent Transport Systems ◽  
Intelligent Transport ◽  
Before And After ◽  
Mobility Matrix ◽  
Living Labs ◽  
The Impact ◽  
The City

AbstractThis paper is concerned with the assessment of future applications of CASE (Co-operative, Autonomous, Shared, and Electric) mobility—a term that is also taken to include the more traditionally known applications of ITS (Intelligent Transport Systems). It sets the objective of making such assessments more holistic and horizontal in nature because future CASE mobility applications will include many technologies and service concepts as an integrated whole serving specific mobility objective. Traditional evaluation methodologies will therefore have to be modified to account for this situation, and to this end, the paper focuses on assessing and adapting such “traditional” methodologies. It draws from the experience gained in Greece in the last decade when a substantial number of ITS applications were implemented and assessed, especially in the second largest urban area of the country, the city of Thessaloniki (part of the EU’s European Network of Living Labs). Four basic methodologies are selected: the use of KPIs (Key Performance Indicators), focused interviews, the CMME (CASE Mobility Matrix Evaluation), and the use of safety audits before and after the CASE mobility application. For the first three, the paper suggests specific indicators and/or content. It also gives an example of the use of CMME based on a use case from Thessaloniki. The contents and recommendations of this paper provide a better understanding of the emerging situation as regards CASE mobility applications and point to the need for establishing a timely and comprehensive CASE mobility evaluation framework at both national and European levels, for future implementations.

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