scholarly journals Banki spółdzielcze na rynku kredytu na nieruchomości w Polsce

2015 ◽  
Vol 2 (3) ◽  
pp. 163-176
Author(s):  
Renata Papież
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Mortgage Market ◽  
Know How

The main aim of the article is defining the role of co-operative banks – bothin quantitative and qualitative aspects – on the mortgage market in Poland.Residential and commercial mortgage financing in the Polish banking sector isdominated by a big commercial banks. Both the co-operative banks and specializedmortgage banks have a marginal importance in this market. However, cooperativebanks using their attributes, i.e. better knowledge of the local marketand gradually accumulated know how and experience, increase very slowly theirmarket share.

scholarly journals The role of the knowledge economy in the development of banking services in Libya

2020 ◽  
Vol 9 (4) ◽  
pp. 343-355
Author(s):  
Aza Yousef Alhasadi ◽  
Yavuz Demirel
Keyword(s):  
Knowledge Economy ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Banking Sector ◽  
Skills Training ◽  
Economic Incentives ◽  
Service Research ◽  
Eastern Region ◽  
Banking Services

The study focuses on the basic variables of the knowledge economy, where aims to know the role of the knowledge economy in the banking sector and solving the problems facing Libyan commercial banks in the development of banking services. In order to achieve the main purpose of the study, we used the descriptive-analytical method, by using the questionnaire. Where we surveyed a total of 320 employees at six commercial banks operating in the eastern region of Libya. Through incoming questionnaires, we have analyzed 299 questionnaires. The results of the analysis showed a positive relationship between the knowledge economy and the development of banking services and that the knowledge economy plays an active role in the development of banking services, as the sub-variables of the knowledge economy are knowledge, skills, education, IT infrastructure, speed, access to service, research and development, Innovation, institutional regime, economic incentives as well as the sub-dimensions of the developing of banking services that represented in online banking, data transfer services, the use of technology, and customer relations. all of them show a high positive relationship among them. Also, the study includes information on whether there are differences between the knowledge economy and the development of banking services in the banks included in the research. The results of the study showed that knowledge, skills, training, economic incentives, and institutional regime vary according to banks

scholarly journals The role of HRM practices in retaining employees: evidence from the banking sector

2021 ◽  
Vol 7 (4) ◽  
pp. 232-247
Author(s):  
Muhammad Daniyal ◽  
Mrestyal Khan
Keyword(s):  
Performance Appraisal ◽  
Commercial Banks ◽  
Employee Retention ◽  
Banking Sector ◽  
Training And Development ◽  
Working Environment ◽  
The Past ◽  
Convenience Sampling ◽  
And Performance

Banking is one of the fastest-growing sectors because of its contribution to the economy, however, today employee retention is demurring for banks and they are striving to fulfil this challenge. It has been observed from the past few years that it is due to the lack of knowledge related to the proper implementation of HR practices in the commercial banks. The main purpose behind conducting the research is to understand the effect of compensation (C), working environment (WE), training and development (T&D), and performance appraisal (PA) on employee retention (ER). The study used convenience sampling with a sample size of 200 and data was collected from the employees of different commercial banks located in Islamabad and Rawalpindi. The empirical results showed that WE, PA, and COM have a significant positive relationship with the ER whereas T&A has the insignificant one.

scholarly journals Financial and Non-Financial Measures in Evaluating Performance: The Role of Strategic Intelligence in the Context of Commercial Banks in Kenya

2020 ◽  
Vol 13 (10) ◽  
pp. 130
Author(s):  
Blandina Walowe Kori ◽  
Stephen M. A. Muathe ◽  
Samuel Mwangi Maina
Keyword(s):  
Balanced Scorecard ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Annual Reports ◽  
Primary Data ◽  
Balanced Score Card ◽  
Financial Measures ◽  
Strategic Intelligence

This study provides comprehensive discussion on role of strategic intelligence in commercial banks, in Kenyan context. The primary focus was to evaluate the performance of commercial banks using both financial and non-financial performance measurers. The financial measurers comprised return on equity (ROE), while non-financial measures were customer satisfaction, learning and growth, and internal processes. The study was anchored on resource-based view and balanced scorecard model. The target population comprised 40 commercial banks. Additionally, the sample size 181 was selected proportionately through stratified sampling procedure. Data collection instruments comprised closed and open -ended questionnaires and online review. The study used both primary and secondary data, where primary data was obtained from Kenya commercial banks head offices, while secondary data, for the year 2016 – 2018, was obtained from the annual reports of the central bank of Kenya. Data analysis was done using descriptive statistics and linear multiple regression analysis. Findings of the study indicate that strategic intelligence has a statistically significance on the performance of commercial banks in Kenya. Moreover, both financial and non-financial measures of performance are relevant in the banking sector and growth of Kenyan economy. The study recommends that commercial bank in Kenya should integrate their training focus and strategy implementation with investors interests based on balanced score card.

Women Empowerment through Corporate Social Responsibility - The Role of Indian Commercial Banks

2015 ◽  
Vol 9 (1and2) ◽  
Author(s):  
Dr. Padmasree Karamala
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Commercial Banks ◽  
Banking Sector ◽  
Indian Society ◽  
Inclusive Growth ◽  
Net Profit ◽  
Corporate Social ◽  
Ownership Patterns

The Corporate Social Responsibility (CSR) activities have started since 1990s now has become a medium for most of Indian corporate to contribute to inclusive growth of Indian society. Now the companies are participating actively in CSR initiatives by spending 2-5 per cent of their net profits. The new Companies Bill also made it compulsory to spend 2 per cent of net profit of the company towards CSR activities. Consequent to the decision, the Indian Corporate have shifted their focus beyond traditional activities. The present paper focuses on how CSR extends beyond the traditional business to encompass new governmental and social drivers and emphasised on the gender content of CSR in banking sector for the inclusive growth since development and empowerment of women ultimately imperative for the inclusive growth of the nation. The study also emphasised on the comparison of CSR content among different ownership patterns of Indian Commercial Banks in the era of competitive globalisation towards inclusive growth.

scholarly journals Governance, Budget Deficits And Financial Crisis: An Analysis Of Governments Role In The Liberian Banking Crisis

2014 ◽  
Vol 13 (5) ◽  
pp. 1107
Author(s):  
George P. Gonpu
Keyword(s):  
Financial Crises ◽  
Commercial Banks ◽  
Banking Sector ◽  
Political Influence ◽  
Budget Deficits ◽  
Regulatory Standards ◽  
National Bank ◽  
The Government ◽  
Regulatory Powers

The adverse macroeconomic consequences of financial crises have heightened research interests in their causes. However, little is known about the role of political influence as a cause of financial crises in small developing countries. This research explores the role of governance as one of the causes of failures in nine of Liberias twelve commercial banks during the financial crises during the period 1986 to 1999. In particular, this paper explores how the government used appointments primarily based on kinship to influence the banking sector and render the National Bank of Liberia ineffective in implementing its regulatory powers. The research found that regulatory standards, weakened by nepotism, led to corruption and mismanagement in the banking sector. In addition, through the governments political influence over the National Bank of Liberia, it was able to finance unsustainable fiscal deficits by borrowing from commercial banks and the National Bank of Liberia, culminating in severe financial crises.

scholarly journals Affordable Credit Resources to Implement Investment Projects in Industry of Russia

2020 ◽  
Vol 17 (4) ◽  
pp. 24-35
Author(s):  
V. A. Eremkin
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Banking Sector ◽  
Credit System ◽  
Investment Projects ◽  
Industrial Enterprises ◽  
Low Interest Rates ◽  
The Russian Federation ◽  
The Impact

Raising loan finance by industrial enterprises for the development of their investment projects is an important factor for economic growth in Russia. Due to this the problem of credit resource affordability for Russian business becomes more and more topical. The article analyzes possibilities of credit affordability regulation for industrial enterprises by tools of monetary policy of the Central Bank of the Russian Federation. The author aims at indentifying the current problems of the credit system for industrial enterprises and finding the key lines in its improvement. Within the frames of the research the author estimates the impact of high and low interest rates on the volume of industry crediting, analyzes the structure of giving credits to non-financial organizations and studies the problem of long cash affordability for realizing investment projects in industry. The article also investigates the asset concentration in the banking sector and shows the higher role of state and the diminishing number of commercial banks and their branches. Certain important lines of development were identified, which in the future could determine the situation in industry crediting in Russia. Finding of the research can be used for devising the state strategy of developing the system of industry crediting in Russia.

scholarly journals FORMATION OF A COMPREHENSIVE PROGRAM FOR PROVIDING FINANCIAL SECURITY OF COMMERCIAL BANKS OF UKRAINE

2021 ◽  
pp. 65-79
Author(s):  
Oleksandr BARANOVSKYI ◽  
Tetiana PUTINTSEVA
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Conceptual Modeling ◽  
Financial Security ◽  
Comprehensive Program ◽  
Effective System ◽  
Banking Institutions ◽  
Expert Assessments ◽  
The Impact

Introduction. The operation of commercial banks (CB) must be safe. The lack of an effective system of financial security CB (FSCB) causes instability of banking, increasing shadowing of rela-tions in the banking sector, makes impossible for the CB to properly perform its functional purpose, negatively affects the real sector of the national economy and life in any country. Therefore, the formation of this system should be given daily attention of scientists and practitioners, government agencies, market regulators of banking services and self-regulatory organizations and CB. It is important to justify the impact of liquidity on the FSCB, which should find a prominent place in the Comprehensive program of the FSCB. The purpose of the article is to determine the directions of increasing the role of CB liquidity in providing the FSCB in the development of the Comprehensive program for the provision of the FSCB. Results. The article highlights the essence of the FSCB and its varieties, as well as ways to increase the role of liquidity of banking institutions in providing the FSCB in the development of a Comprehensive program to provide the FSCB. Conclusions. Methods of analogies, decomposition and generalization, expert assessments, situational and logical analysis, conceptual modeling are used.

scholarly journals Competition in the Georgian banking sector and its impact on the credit policy of commercial banks

2021 ◽  
Vol 342 ◽  
pp. 08003
Author(s):  
George Abuselidze ◽  
Mariam Sharabidze
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Commercial Banks ◽  
Banking Sector ◽  
Current Situation ◽  
Competitive Environment ◽  
Credit Policy ◽  
The Impact ◽  
The Relationship

Based on the role of banking sector in the development of the country’s economy, we consider it important to study the current situation in this sector. The existence of a competitive environment ensures the efficient functioning of the banking sector. The aim of the study is to estimate the competitive environment in the banking sector, to determine the relationship between competition and interest rates. The research is based on the use of different economic models and indexes. Competition in the banking sector is studied on the example of Georgian banking sector, for that we used HHI Net Loans and H-statistic indicators. The study analyses the impact of competition in the banking sector on the net interest income and interest rate in the same sector.

scholarly journals Role of State in the Evolution and Success of Commercial Banks in China

2018 ◽  
Vol 9 (2) ◽  
pp. 38
Author(s):  
Bhabani Shankar Nayak ◽  
Yilin Gao
Keyword(s):  
Competitive Advantage ◽  
Commercial Banks ◽  
Development Process ◽  
Banking Sector ◽  
Banking Industry ◽  
Commercial Banking ◽  
The State ◽  
Financial Reforms ◽  
Large Joint

The article outlines the role of state in the evolution of commercial banks in China. It looks at different stages of its development process. The paper engages with the deepening of state led financial reforms which led to the competitive advantage of China's commercial banking industry. The state-owned commercial banks, large joint-stock commercial banks, and small private commercial banks keep increasing their strengths due to regulations and monitoring by the Chinese state. Therefore, the article argues that state-owned commercial banks have relatively large market share and dominate in commercial banking sector due to the state.

scholarly journals Performance Evaluation of the Jordanian Commercial Banks Based on Bankometer Parameters

2017 ◽  
Vol 9 (12) ◽  
pp. 249
Author(s):  
Tawfiq Ahmed Mousa
Keyword(s):  
Performance Evaluation ◽  
Financial Crisis ◽  
Commercial Banks ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Stock Exchange ◽  
Model Analysis ◽  
Vital Role ◽  
The Global Financial Crisis

Due to the vital role of banking sector in every country’s economy, the sustainability of this sector became a priority especially in the aftermath of the global financial crisis of 2007-2008. The main objective of this study is to assess the soundness of Jordanian commercial banks listed in Amman’s Stock Exchange (ASE) during the period (2008-2015). The study applied the Bankometer model analysis and concluded that all banks under study are safe in terms of all parameters of the model despite the slowdown of economy and the regional instability.

Sign in / Sign up

Export Citation Format

Share Document