scholarly journals SOCIO-DEMOGRAPHIC VARIABLES FORMING A PERCEPTION OF CORPORATE IMAGE BRAND IN THE CROATIAN BANKING INDUSTRY

2020 ◽  
Vol 3 (2) ◽  
pp. 96-111
Author(s):  
Valentina Pirić ◽  
Maja Martinović ◽  
Mirna Koričan Lajtman
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Demographic Variables ◽  
Corporate Image ◽  
Sustainable Competitive Advantage ◽  
Social Variables ◽  
Migration Rates ◽  
Business Profitability

The banking industry is currently at the forefront of the development of technolo¬gy-based service delivery, and the survival of banks depends on their ability to deal with the environmental challenges. Due to these challenges, many banks are faced with an identity crisis and increased customer migration rates that negatively affect the levels of business profitability. Croatian market ads additionally challenge almost 30 banks currently operating with customers that are extremely price sensitive. Research shows that in the banking sector, a favorable image is considered a critical aspect of a company’s ability to maintain its market position, as the image has been related to core attributes of organizational success. This paper studies the dimensions of corporate image, focusing on the corporate image concept in the Croatian banking industry as perceived by consumers and its possible impact on their choice of banks. The purpose of this study is to give an insight and provide a deeper understanding of how the banks, by developing a strong and consistent corporate image using corporate communication activities, ensure a long-term source of sustainable competitive advantage and influence on customers’ end choice. A study was carried out in Croatia during 2019 using 250 respondents-consumers who used different types of banking services in different banks. Series of ANOVA analysis shows how the perception of the corporate image of the bank and its influence on the customer’s choice of the bank, bank loyalty and the quality of the bank services varies depending on some demographic and social variables. Results pose implications for bank communications and service positioning within customer segments. This research raises ideas for future studies as well.

scholarly journals ANALISIS SOLVABILITAS PERBANKAN SYARIAH DI INDONESIA PERIODE 2001 – 2004

IQTISHODUNA ◽  
2011 ◽  
Vol 2 (2) ◽  
Author(s):  
Indah Yuliana, SE., MM.,
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Ratio Analysis ◽  
Descriptive Research ◽  
Religious Rituals ◽  
Bank Management ◽  
Analysis Technique ◽  
Accounting Report ◽  
Conventional Banks

The birth of ‘Syariah Bank’ in Indonesia is really hoped by the Indonesians (especially the Moslems) who think that the interest of the bank       is forbidden in Islam. However actually sharing principle in the accounting institution has been known well both in Islamic and non-Islamic countries. ‘Syariah Bank’ is not related with religious rituals (Islam) but it is about a sharing concept in business between the owner of the capital and the capital manager. Bank management with syariah principle can be accessed and managed by all societies and not only by the Moslems. However, it is not debatable that nowadays in Indonesia ‘Syariah Bank’ is developing within the Islamic societies. From this aspect, the opportunity to develop ‘Syariah Bank’ in Indonesia is big enough, as Indonesia is a country having the biggest Moslem followers. ‘Syariah bank’ as an accounting intermediary institution is hoped to be able to give a better performance than the conventional banks. The goodness and the badness of the ‘Syariah Bank’ can be known from its performance reflected from the accounting report. But the accounting report   on the Syariah Banking sector is to provide an information related to the accounting position, performance and also accounting position, and bank activities that will be useful for the decision making.This research aims to describe the solvability ability of Syariah Bank in Indonesia based on the banking ratio analysis technique. This is a descriptive research and the population of this research is the Syariah Bank that has been doing IPO in BEJ.  The result of the research shows:First, CAR ability from 2001 to 2004 its value is above the determined standard from BI. the CAR that is far above the standard shows that the bank has not used the capital maximally. This can be caused by the bank’s doubt to distribute its capital to the risk ‘assets (aktiva)’. Second, debt to equity from 2001 to 2004 gets increased. It shows that the number of debt year by year gets increased. Third, long term debt to equity from 2001 to 2003 whose values at the syariah banking industry is the smallest   is ‘Syariah Mandiri Bank’. While, in 2004 it is ‘Indonesian Muamalat Bank’. It means ‘Syariah Mandiri Bank’ and ‘Indonesian Muamalat Bank’ are the banks which its long term debt composition is under the industrial average, so that the smaller the long term debt to equity ration, the smaller the bank ‘assets (aktiva)’ financed by the long term debt.

Do Quality of Governance, Remittance and Financial Development affect Growth?

2021 ◽  
Vol 39 (2) ◽  
Author(s):  
Faqeer Muhammad ◽  
Naveed Razaq ◽  
Khair Muhammad ◽  
Rehmat Karim
Keyword(s):  
Stock Market ◽  
Financial Development ◽  
Diagnostic Tests ◽  
Banking Sector ◽  
Market Development ◽  
Stock Market Development ◽  
Quality Of Governance ◽  
The Given

The newly elected government of the Pakistan considered corruption as a main hurdle in long-term development of the country on one hand. On the other hand, it is put emphasis on enhancing remittances to maintain Marco-economic stability in Pakistan. Therefore, the aim of this study is to highlight the effects of remittance, quality of governance and financial development in Pakistan for the time 2000 to 2016 using Ordinary Least Square Method (OLS). The aftermaths of the study has shown the positive influence of remittance, quality of governance and financial development on economic development in Pakistan. Conversely, as expected the sign of inflation is negative with in-significant effect. Furthermore, the present study has categorized financial development into banking sector and stock market development to explore their effects separately. For this purpose, two indicators have chosen for banking sector and two for stock market development. Lastly, this paper uses various diagnostic tests to check the various econometric issues in the given models. The results of the diagnostic tests have showed that residual is normally distributed, homoscedastic and absence of serial correlation in all the given models. Moreover, descriptive statistics also shows that variables of present study are normally distributed. In sum, based on the findings this research recommends that by improving the quality of the governance and by increasing the remittances long-term economic growth is possible in Pakistan. In addition, financial development is also an important determinant of growth in Pakistan. Therefore, government focus on eradicating corruption and increasing remittances are the right policies for economy of Pakistan in the long run. 

Performance of banking industry in Bangladesh: Insights of CAMEL rating

2017 ◽  
Vol 04 (02n03) ◽  
pp. 1750006 ◽  
Author(s):  
Syed Moudud-Ul-Huq
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Banking Sector ◽  
Banking Industry ◽  
Rating System ◽  
Managerial Ability ◽  
Strategic Plans ◽  
Composite Rating ◽  
Asset Quality

This study attempts primarily to measure the financial performance of banking industry of Bangladesh for the periods 2013–2014 and to rate them according to the composite rating system. For this purpose, 10 private commercial banks (PCBs) have been selected from 38 PCBs. CAMEL has critically analyzed the financial performance of these banks. This finds that most of the banks get 2.14 with an average rating of composite range, where only Eastern Bank Ltd. gets “Strong” rating, seven PCBs get “Satisfactory” rating, AB Bank Ltd. and City Bank Ltd. lay middle of the range of composite score. From this ground, it is clearly reflected that most of the PCBs in Bangladesh have performed quite satisfactorily in recent years. The performance of most banks is dependent more on the managerial ability in formulating strategic plans and the efficient implementation of its strategies. Maintenance of asset quality is the major challenge in this year and is feared to remain so in 2014. The banking sector in Bangladesh has passed somewhat an average year regarding governance, profitability and soundness in 2013. Finally, it is recommended that the banks should be more careful to ensure the quality of assets and its uses, and increased their efficiency in managerial grids.

scholarly journals Financial Stability of Banks and Its Monitoring in Ukraine

2020 ◽  
pp. 69-77
Author(s):  
Svitlana Yehorycheva ◽  
Oksana Vovchenko
Keyword(s):  
Financial Stability ◽  
Business Processes ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Bank Management ◽  
The World Bank ◽  
Banking Institutions ◽  
National Bank

The concept of financial stability of banks as a complex and multifaceted category, the content of which is constantly enriched, has been developed. Approaches to determining the financial stability and financial stability of banks, in particular, are considered. It is noted that modern operational, functional, institutional, technological features of banks cannot but affect the content of their financial stability and update the mechanisms for its ensuring. Emphasis is placed on the need for early adaptation of banking institutions to objective transformations of the economic environment through the integration of risk-oriented approach and the use of advanced methods of bank management in all its business processes. The level of financial stability of banks in Ukraine is monitored, for which the main volume indicators of their activity and the Bank Z-score indicator calculated by the World Bank are analyzed. The analysis of indicators of banks’ penetration into the economy shows that the development of the banking sector lags behind the needs of the real sector, so its financial stability is relative, although there are trends to strengthen it. The constant increase in the capital base of Ukrainian banks and their compliance with capital adequacy ratios is particularly positive. However, the quality of banks’ loan portfolios is unsatisfactory, which poses a threat to their financial stability, even given the large amounts of formed provisions for loan impairment. The dynamics of financial stability indicators calculated by the National Bank of Ukraine confirms the existence of prerequisites for its long-term provision, despite the difficult environmental conditions. The directions of monitoring of financial stability offered in the article allow diagnosing its deterioration in time to prevent critical consequences for the national economy.

scholarly journals A Comparative Study on Corporate Governance Standards and Practices with Special Reference to Indian Banking Industry

2016 ◽  
Vol 5 (2) ◽  
pp. 245
Author(s):  
Syed Abdul Hameed
Keyword(s):  
Corporate Governance ◽  
Comparative Study ◽  
Special Reference ◽  
Banking Sector ◽  
Banking Industry ◽  
Listed Companies ◽  
Annual Reports ◽  
Quality Of Reporting ◽  
Clause 49

<div><p><em>The vital constituent of an economy are Banks. The significance of banking sector is highlighted by the fact that it is an internationally regulated industry and the banks are under the purview of financial regulators of the country. It is of pivotal significance that the banks have robust corporate governance. A new clause 49 was introduced by SEBI in the listing agreement before a decade mentioning the principles of corporate governance to be followed by the listed companies. In the following years SEBI revised clause 49 several times after incorporating the recommendation of various committees. After taking into account the various trends and factors related to corporate Governance the topic entitled. "A comparative study of corporate standards and practices with special reference to Indian Banking Industry" has been drafted to assess the structure and processes of corporate governance followed by select banks in India and their effectiveness in the content of substance and quality of reporting of corporate governance activities in the annual reports. The study also looks in to the state of compliance of key governance benchmarks in the select banks and offers suggestions to accomplish better governance standards. </em></p></div>

Do Quality of Governance, Remittance and Financial Development affect Growth?

2021 ◽  
Vol 39 (1) ◽  
Author(s):  
Faqeer Muhammad ◽  
Naveed Razaq ◽  
Khair Muhammad ◽  
Rehmat Karim
Keyword(s):  
Stock Market ◽  
Financial Development ◽  
Diagnostic Tests ◽  
Banking Sector ◽  
Market Development ◽  
Stock Market Development ◽  
Quality Of Governance ◽  
The Given

The newly elected government of the Pakistan considered corruption as a main hurdle in long-term development of the country on one hand. On the other hand, it is put emphasis on enhancing remittances to maintain Marco-economic stability in Pakistan. Therefore, the aim of this study is to highlight the effects of remittance, quality of governance and financial development in Pakistan for the time 2000 to 2016 using Ordinary Least Square Method (OLS). The aftermaths of the study has shown the positive influence of remittance, quality of governance and financial development on economic development in Pakistan. Conversely, as expected the sign of inflation is negative with in-significant effect. Furthermore, the present study has categorized financial development into banking sector and stock market development to explore their effects separately. For this purpose, two indicators have chosen for banking sector and two for stock market development. Lastly, this paper uses various diagnostic tests to check the various econometric issues in the given models. The results of the diagnostic tests have showed that residual is normally distributed, homoscedastic and absence of serial correlation in all the given models. Moreover, descriptive statistics also shows that variables of present study are normally distributed. In sum, based on the findings this research recommends that by improving the quality of the governance and by increasing the remittances long-term economic growth is possible in Pakistan. In addition, financial development is also an important determinant of growth in Pakistan. Therefore, government focus on eradicating corruption and increasing remittances are the right policies for economy of Pakistan in the long run. 

Customer satisfaction and loyalty in the United Arab Emirates banking industry

2015 ◽  
Vol 33 (3) ◽  
pp. 351-375 ◽  
Author(s):  
Hameedah Sayani
Keyword(s):  
United Arab Emirates ◽  
Banking Sector ◽  
Banking System ◽  
Related Factors ◽  
Content Type ◽  
Managerial Implications ◽  
Conventional Banks ◽  
Customer Satisfaction And Loyalty

Purpose – The purpose of this paper is to identify the determinants of consumer loyalty in Islamic and conventional banks in the United Arab Emirates (UAE). The study has relevance and importance in a country with a dual banking system. Since the products and services offered by the banks are largely homogenous, customer loyalty is mostly associated with the quality of certain tangible and intangible dimensions of service. It is important for the banks to understand the factors that lead to higher satisfaction and subsequent loyalty among consumers in the context of the UAE. Design/methodology/approach – More than 300 respondents were surveyed to understand the factors that lead to continuing a relationship with Islamic and conventional banks. The data were analyzed using ANOVA and stepwise regression. Findings – The findings of the study indicate that Islamic banks’ customers are satisfied with the Shariah Advisory Board, convenience-related factors such as number of branches, and efficiency-related factors like handling issues on the phone. However, an inverse relationship is found between advice by the personnel and length of association with the bank. On the other hand, the importance of reputation and efficient handling of issues on the phone is highlighted with respect to conventional banks. Research limitations/implications – The study focusses only on consumers that bank either with Islamic or conventional banks and excludes those who deal with both Islamic and conventional banks simultaneously. Practical implications – The research has several managerial implications, as the findings of the study not only highlight the factors that banking consumers value the most in the UAE banking sector, but also provide insight into the factors which need immediate attention. These decisions have strategic and resource-related implications for banks. This knowledge will allow banks to align services with their long-term objectives and invest into resources and capabilities that will provide them competitive advantage. Originality/value – The study allows identification of factors that are valued the most by banking consumers in a culturally and religiously diverse country with a dual banking system.

Corporate social responsibility: a pathway to sustainable competitive advantage?

2019 ◽  
Vol 38 (1) ◽  
pp. 159-174 ◽  
Author(s):  
Syed Shujaat Ali Shah ◽  
Zia Khan
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Competitive Advantage ◽  
Banking Industry ◽  
Sustainable Competitive Advantage ◽  
Continuance Commitment ◽  
Content Type ◽  
Moderation Effect ◽  
Corporate Social

Purpose The purpose of this paper is to investigate the impact of customers’ perceptions of corporate social responsibility (CSR) on affective and continuance commitment. It analyses the moderation effect of relationship age on the CSR-commitment relationships in the banking industry of an emerging economy. Design/methodology/approach Partial least squares based structural equation modeling was used to test the proposed hypotheses in a sample of 360 respondents collected from the retail banking sector of Pakistan. Findings Customers’ CSR perceptions directly and positively influence affective and continuance commitment. The findings also confirm that relationship age is a positive moderator of the CSR-continuance commitment relationship, but does not influence the CSR-affective commitment relationship. Practical implications Marketers should use CSR activities to enhance customers’ commitment. Given the moderating role of relationship age, marketers should devise different strategies for new and long-term customers. The results clearly show that relationship age affects the CSR-continuance commitment relationship. Long-term banking customers will more likely be in a binding relationship when their banks do CSR activities and disseminate those activities to long-term customers. The study explicitly indicates that maintaining long-term customers’ base through CSR activities helps the marketers in achieving sustainable competitive advantage. Originality/value First, it is the pioneering study to empirically investigate the understudied relationship between CSR and continuance commitment. Second, it examines the moderation effect of relationship age on CSR-commitment relationships in the banking industry of an emerging economy.

Factors influencing consumer loyalty: evidence from the Ghanaian retail banking industry

2019 ◽  
Vol 37 (3) ◽  
pp. 798-820 ◽  
Author(s):  
Osaretin Kayode Omoregie ◽  
John Agyekum Addae ◽  
Stanley Coffie ◽  
George Oppong Appiagyei Ampong ◽  
Kwame Simpe Ofori
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Banking Sector ◽  
Banking Industry ◽  
Retail Banking ◽  
Corporate Image ◽  
Equation Modeling ◽  
Design Data ◽  
Cross Sectional ◽  
Content Type

PurposeThe increasing number of banks in the Ghanaian banking industry has brought about intense competition in the industry. The purpose of this paper is, therefore, to examine the factors that influence retail banking customers’ loyalty intentions.Design/methodology/approachIn order to validate the proposed research model, the study adopts a survey design. Data were collected from 565 customers of the top performing banks in terms of customer deposits. Data analysis employed the partial least squares structural equation modeling (PLS–SEM) using SmartPLS version 3.FindingsResults from the PLS–SEM analysis indicated that satisfaction, service quality and trust had significant effect on loyalty, with satisfaction having the most significant effect. Interestingly corporate image was found to have a significant effect on both satisfaction and trust but not on loyalty. In all, the proposed model accounted for 63.3 percent of the variation in loyalty.Research limitations/implicationsThe current study samples customers from only the top performing banks in Ghana. The use of cross-sectional data makes it impossible to study how customers’ perceptions change over time. Results from this study could, however, help managers of banks in designing strategies aimed at improving customer loyalty in order to consolidate their market share.Originality/valueThis paper adds to existing works that focus on loyalty in the retail banking sector, especially from the context of a developing economy. The study draws attention to the interrelationship among service quality, perceived value, satisfaction, image, trust and loyalty.

scholarly journals CUSTOMERS’ PERCEPTIONS OF SERVICE QUALITY DIMENSIONS IN THE INDONESIAN BANKING INDUSTRY: AN EMPIRICAL STUDY

2015 ◽  
Vol 30 (1) ◽  
pp. 17 ◽  
Author(s):  
Ananda Sabil Hussein ◽  
Raditha Hapsari
Keyword(s):  
Service Quality ◽  
Customer Loyalty ◽  
Banking Sector ◽  
Banking Industry ◽  
Corporate Image ◽  
Brand Engagement ◽  
Proposed Model ◽  
Quality Image ◽  
Quality Dimensions ◽  
Service Quality Dimensions

This study aims to investigate the dimensions of hierarchical service quality in the area of the banking sector as well as to determine its relationships with other constructs, namely corpo-rate image and customer loyalty. One hundred and eleven respondents participated in this study. Partial Least Squares were employed to analyse the data. The inner and outer model evaluations showed that the proposed model was robust. This study found that the interaction quality, outcome quality and physical quality were the dimensions of service quality which were formed in the hierarchical model. In addition, this study indicated that service quality was a robust determinant of corporate image and customer loyalty in the banking sector. Similar to service quality, corporate image was also found to be an essential predictor of customer loyalty as well as the mediator between service quality and customer loyalty. To enhance the under-standing of service quality in the banking sector, further studies might add additional constructs such as brand engagement, perceived value, and customer experience.Keywords: service quality, image, loyalty, bank

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