scholarly journals Bank Crisis: the Current Scenario of Merger and Acquisition in India

2020 ◽  
Vol 8 (5) ◽  
pp. 3147-3153
Keyword(s):  
Financial Institution ◽  
Debt Crisis ◽  
Stakeholder Involvement ◽  
Banking System ◽  
Product Regulatory ◽  
Credit Score ◽  
Government Aid ◽  
Current Scenario ◽  
Regulatory Interventions ◽  
Indian Banks

Banks are the pillars that support the financial structure of a modern economic system. Their successes and screw ups are inextricably connected to the Indian economy. Indian banks have additionally had their proportion of troubles with consequences for the country. Bank runs, awful debt, etc, are a number of the persistent issues confronted with the aid of banking structures globally. The study focus on how the banking crisis impact on the economy. These days, the banking system in India has been beset through a big terrible debt crisis, which is crimping credit score to the productive sectors of our economy. This weakening in financial institution credit score has dampening impact on domestic funding, leading to subdued increase in employment and Gross domestic Product. Regulatory interventions and oversight of central banks, government aid and stakeholder involvement arise widely a success in preserving stability, even though punctuated with obtrusive disasters. However, it may be the best time to reconsider the primary design of the banking device and restructure it by addressing the flaws in its present day shape through mergers and acquisitions. Furthermore the paper concludes that merger is a helpful strategy through this bank can expand their operations and the overall growth.

scholarly journals Internet Banking Need of Current Scenario

2012 ◽  
Vol 1 (2) ◽  
pp. 67-72
Author(s):  
Jaspreet Singh ◽  
Neena Brar
Keyword(s):  
Customer Service ◽  
Banking Sector ◽  
18Th Century ◽  
Banking System ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
International Banks ◽  
Current Scenario ◽  
Indian Banks ◽  
It Revolution

Banking in India originated in the last decades of the 18th century. The IT revolution influenced the Indian banking system a lot. The use of computers had led to existence of online banking in India. The use of modern innovation and computerisation of the banking sector of India has increased many folds after the economic liberalisation of 1991 as the country's banking sector has been exposed to the world's market. The Indian banks were finding it hard to compete with the international banks in terms of the customer service without the use of the information technology and computers. Internet banking as a medium of delivery of banking services and as a strategic tool for business development, has gained wide acceptance internationally and is fast catching up in India with more and more banks entering the fray. In the light of this background, the objective of this paper is to study the perceived usefulness of Internet Banking. This paper tries to know the level of awareness among customers. This paper also tries to check the perception of risks closely connected with Internet Banking and study the scope of Internet Banking, so that companies can fulfill their duty in an appropriate and suitable manner.

European Economies Stability Faced With Potential Outburst of Sovereign Debt Crisis. An Empirical Study Using Neural Network

2013 ◽  
Vol 12 (2) ◽  
pp. 3255-3260
Author(s):  
Stelian Stancu ◽  
Alexandra Maria Constantin
Keyword(s):  
Neural Network ◽  
Sovereign Debt ◽  
Debt Crisis ◽  
Banking System ◽  
Sovereign Debt Crisis ◽  
European Level ◽  
Continuous Growth ◽  
Economic Context ◽  
European Economies ◽  
The Impact

Instilment, on a European level, of a state incompatible with the state of stability on a macroeconomic level and in the financial-banking system lead to continuous growth of vulnerability of European economies, situated at the verge of an outburst of sovereign debt crises. In this context, the current papers main objective is to produce a study regarding the vulnerability of European economies faced with potential outburst of sovereign debt crisis, which implies quantitative analysis of the impact of sovereign debt on the sensitivity of the European Unions economies. The paper also entails the following specific objectives: completing an introduction in the current European economic context, conceptualization of the notion of “sovereign debt crisis, presenting the methodology and obtained empirical results, as well as exposition of the conclusions.

Same Story, Different Place?

2018 ◽  
Author(s):  
Viral V. Acharya ◽  
Tim Eisert ◽  
Christian Eufinger ◽  
Christian Hirsch
Keyword(s):  
Banking Sector ◽  
Debt Crisis ◽  
Banking System ◽  
Policy Implications ◽  
Balance Sheets ◽  
System P ◽  
Loan Supply ◽  
European Banking ◽  
European Debt Crisis

This chapter compares the recapitalizations of the Japanese banking sector in the 1990s with those in the ongoing European debt crisis. The analysis points to four main policy implications. First, recapitalizing banks by insuring or purchasing troubled assets alone is not likely to solve the problem of banks’ weak capitalization, as this measure is not able to adjust the extent of the recapitalization to the banks’ specific needs. Second, the amount of the recapitalization should be based on actual capital shortages and not risk-weighted assets to avoid banks decreasing their loan supply. Third, banks should face restrictions regarding the amount of dividends they are allowed to pay out. Finally, banks must be induced to clean up their balance sheets and reduce the amount of bad (non-performing) loans to rebuild confidence in the European banking system.

scholarly journals PANDEMIC CRISIS AND ITS EFFECTS ON BULGARIAN BANKING SYSTEM’S EFFICIENCY

2021 ◽  
Author(s):  
Gergana Mihaylova-Borisova ◽  
Keyword(s):  
Growth Rate ◽  
Interest Rates ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Negative Impact ◽  
Debt Crisis ◽  
Parametric Method ◽  
Banking System ◽  
Data Envelopment ◽  
The Global Financial Crisis

The economies are once again facing the challenges of another crisis related to the spread of coronavirus in 2020. The banking sector, being one of the main intermediaries in the economies, is also affected by the spread of the new crisis, which is different compared to the previous crises such as the global financial crisis in 2008 and the European debt crisis in 2012-2013. Still, the banking sector in Bulgaria suffers from the pandemic crisis due to decelerated growth rate of loans, provided to households and non-financial enterprises, as well as declining profits related to the narrowing spread between interest rates on loans and deposits. The pandemic crisis, which later turned into an economic one, is having a negative impact on the efficiency of the banking system. To prove the negative impact of the pandemic crisis on the efficiency of banks, the non-parametric method for measuring the efficiency, the so-called Data envelopment analysis (DEA), is used.

scholarly journals Savings Level Determinants and Sustainability of Commercial Banks in Rwanda: A Case of I&M Bank Rwanda

2022 ◽  
Vol 6 (1) ◽  
pp. 10-27
Author(s):  
Aimable Nshimiyimana ◽  
◽  
Eugenia Nkechi Irechukwu ◽  
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Financial Institution ◽  
Secondary Data ◽  
Income Level ◽  
Access To Credit ◽  
Credit Score ◽  
Descriptive Research ◽  
Specific Objective ◽  
Finance Department

The purpose of this study was to investigate the effect of savings level determinant on sustainability in I&M Rwanda. The specific objectives were to establish the effect of interest rate, income level and access to credit on the sustainability of I&M Bank. This study implemented a descriptive research design and utilized coefficient of correlation to assess the effect of each specific objective on the sustainability of the Bank. The population comprised of 12,057 including 12,050 customers and 7 staff of finance department of I&M Bank Rwanda. A sample size of 99 was calculated using Yamane (1967) simplified formula. To accomplish this aim, both primary and secondary data are used. The researcher used simple random and purposive sampling techniques. A questionnaire and interview have used to collect data. Quantitative data was obtained using questionnaire while a financial statement of I&M Bank covering 2016-2020 was used as secondary data. Descriptive and inferential statistical analysis showing mean, standard deviation, correlation and regression was used statistical Package for Social Sciences (SPSS) version 26.0 to analyze statistical information while content analysis used to analyze qualitative information. The findings and recommendations for this study addressed to the I & M Bank Rwanda, for decision-making and policies. The study found that interest rates, income level and access to credit have significant positive effect on sustainability of commercial banks in Rwanda at 78%, 90.5% and 92.9% respectively. The relationship among saving level determinants and sustainability of business bank was also determined to be linear with increase in get admission to credit score by means of clients. The researcher concluded that saving degree and get admission to credit volatility had more effect on sustainability of banks. The study endorsed that guideline to be installed vicinity to boom financial institution lending and ensure monitoring the same. Keywords: Savings Level Determinant, Sustainability, Commercial Banks, I&M Bank, Rwanda

scholarly journals Analysis of the Impact of External Shocks on the Russian Banking System in the XXI Century

2019 ◽  
Vol 13 (4) ◽  
pp. 51-61
Author(s):  
O. S. Kochetovskaya
Keyword(s):  
Banking Sector ◽  
Debt Crisis ◽  
Banking System ◽  
Capital Inflows ◽  
External Financing ◽  
External Shocks ◽  
The Usa ◽  
European Debt Crisis ◽  
Favorable Conditions ◽  
The Impact

The main objective of the study was the identification of the key channel of impact of positive and negative external shocks on the Russian banking system for the period from 2000 to 2017. In conducting the study the author used systematic and statistical methods of analysis. Throughout the named period, the banking sector of Russia was always under the influence of one or another external shock: rising and falling oil prices; favorable conditions for obtaining financing on the global capital market; the global financial and economic crisis; the European debt crisis; the tapering of the quantitative easing policy in the USA; sanctions imposed on Russia by the Western countries. In the pre-crisis period, capital inflows became the main channel for the transmission of external shock. In the course of the European debt crisis, problems with attracting external financing became a key channel for the transfer of external shock. During the global crisis and the crisis of 2014–2016 the channels of transmission of external shocks to the banking sector of Russia, despite various causes, were in many ways similar. So, the main channels were the outflow of capital, the restriction of external financing, the collapse of the ruble exchange rate, and the state of confidence in the banking sector.

scholarly journals Bank Stability Measures in Dual Banking System: A Critical Review

2019 ◽  
Vol 5 (2) ◽  
pp. 59
Author(s):  
Norzitah Abdul Karim ◽  
Amirul Afiff Muhamat ◽  
Azreen Roslan ◽  
Sharifah Faigah Syed Alwi ◽  
Mohamad Nizam Jaafar
Keyword(s):  
Global Financial Crisis ◽  
Financial Institution ◽  
Banking System ◽  
Banking Supervision ◽  
Basel Committee ◽  
System A ◽  
Overall Stability ◽  
Regulatory Bodies ◽  
Banking Stability ◽  
Definition Of

The 2007-2009 Global Financial Crisis showed that despite reported as ‘healthy’ financial institution prior to crisis had indeed suffered many problems including liquidity during the crisis. Thus, there is confusion on the healthy financial institutions, leading to loss of confidence on the overall stability of the banking system. Thus, there is an urgent need to review the current measures of financial as well as banking stability. This paper aims to look at the definition of ‘stability’ used in the academic researches and by different regulatory bodies, like International Monetary Fund, Basel Committee for Banking Supervision (BCBS) and central banks in selected countries with dual banking systems. It is then, critically review indicators used as measures of financial as well as banking stability. This review is hope to identify areas of strengths as well as weaknesses of the current measures of stability and serves as foundation for further research in future.

Marketing of Banking Services in India

2017 ◽  
pp. 107-133
Author(s):  
Rakhi Arora
Keyword(s):  
Banking Sector ◽  
Technological Development ◽  
Banking System ◽  
Foreign Banks ◽  
Indian Society ◽  
Reserve Bank ◽  
Nationalised Banks ◽  
The Government ◽  
Indian Banks ◽  
Reserve Bank Of India

Banking sector plays an important role in Indian Financial Sector.It has a long history that has gone through various stages of development after Liberalization, Privatization, and Globalization (LPG) has taken place. The Indian banking sector is broadly classified into scheduled banks and non-scheduled banks. The scheduled banks are those included under the 2nd Schedule of the Reserve Bank of India Act, 1934. The scheduled banks are further classified into: nationalised banks; State Bank of India and its associates; Regional Rural Banks (RRBs); foreign banks; and other Indian private sector banks, which are controlled and governed by Reserve Bank of India (Central Bank of India) and Ministry of Finance. In this era, the government has issued licenses to the new entrants to establish new banks to serve the Indian society. This chapter focuses on to show the various undergone phases of Indian banking system, growth of deposits and credits, technological development in Indian banking sector, services provided by the Indian banks, benefits and challenges faced by the Indian banks.

Consumer Acceptance of Internet Banking

2017 ◽  
pp. 42-56 ◽  
Author(s):  
Fandy Boy Haking ◽  
Chee Hou Chin ◽  
Azan Shah Ambo Abdul Raoff ◽  
Mohd Rahmat Masri Kahar ◽  
Jeffry Benjamin ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Financial Institution ◽  
Banking System ◽  
Sampling Technique ◽  
Analysis Data ◽  
Internet Banking ◽  
Hierarchical Regression ◽  
Future Research ◽  
Use Of Technology ◽  
Internet Banking System

The purpose of this research is to investigate the main factor that influences the usage of internet banking in Malaysia. This study applies the concept of Unified Theory of Acceptance and Use of Technology (UTAUT) in internet banking context. This research implements hierarchical regression for All the bank company should be alert in customer satisfaction for their system and not just focus for the profit. The framework will be useful for bank to improve their system to more systematic and efficient. data analysis. Data was collected from 210 students of public higher learning institution in Federal Territory of Labuan, Malaysia via convenience sampling technique. The result of this study give impacts towards the future research in technology acceptance. The empirical results will be useful for financial institution or bank in order to improve the internet banking system that they currently used.

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