Екатерина Петровна Рамзаева ◽  
Оксана Викторовна Кравченко

В статье рассмотрены основные аспекты развития коммерческих банков в условиях цифровизации экономики. Основной целью данной публикации является определение роли цифровизации как фактора повышения конкурентоспособности банковских систем. The article discusses the main aspects of the development of commercial banks in the digital economy. The main purpose of this publication is to determine the role of digital advertising as a strategy for the competitiveness of banking systems.

2021 ◽  
Vol 1 (12) ◽  
pp. 69-77
Аleksey V. Zverev ◽  
Marina Yu. Mishina ◽  
Andrey V. Novikov ◽  

This article reflects the peculiarities of the psychological connection between a financial fraudster and his potential victim. The process of forming a stressful situation depending on the type of financial fraud is described, the reasons for its occurrence and the result of implementation associated with a decrease in critical thinking are indicated. The essence is also revealed, including from the perspective of the relationship between the fraudster and the potential victim, and the types of financial fraud and practical examples of their manifestation are considered. The psychological portrait of a financial fraudster and his transformation in connection with the changing preferences of consumers of financial services are described. The role of the Bank of Russia in reducing the activity of financial fraud and ensuring the stability of the financial market is reflected.

2020 ◽  
Vol 8 (6) ◽  
pp. 75-82
A. Novikov ◽  
A. Zverev ◽  
M. Mishina

A significant role of the banking system in ensuring the functioning of the entire economy, by means of organizing the movement of borrowed capital between individual industries and the implementation of financial needs is achieved only if this system, and therefore its constituent elements, are stable. In this regard, the stability of the banking system should be considered as a fundamental internal characteristic, which ensures the existence and stable development of the Bank in a market economy under the influence of external and internal factors. In 2020, commercial banks were faced with the impact of the coronavirus pandemic on the Russian economy and the banking system in particular. At the same time, the current situation of banks ' functioning is characterized not only by the presence of a corona crisis, but also by the internal development of the system itself, which, following the uberization of the world economy, dictates to commercial banks the need to develop and implement financial technologies and form ecosystems. In these conditions, the need for commercial banks in financial resources increases, which is reflected in the increasing role of profit in the Bank's activities and development. This article focuses on the impact of the coronavirus pandemic on the banking system of the Russian Federation and the economy as a whole, and also identifies the features of profit formation and the specifics of the functioning of commercial banks in the coronavirus crisis period.

Aza Yousef Alhasadi ◽  
Yavuz Demirel

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

2021 ◽  
Grigore Duhlicher ◽  

The banking sector is constantly affected by a multitude of risks, which jeopardize its stability and performance. The multiplication, diversification and continuous intensification of banking risks emphasizes the need to define, identify, analyze and manage these phenomena, this process having a major impact on the stability of national banking systems and global financial balance. Efforts to this end must maintain the stability of financial-banking systems, characterized by a lack of major imbalances, which could lead to systemic financial crises, the inability of financial institutions to conduct financial operations, or the collapse of financial markets.

2015 ◽  
Vol 2 (3) ◽  
pp. 163-176
Renata Papież

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.

2021 ◽  
Vol 7 (4) ◽  
pp. 232-247
Muhammad Daniyal ◽  
Mrestyal Khan

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.

2020 ◽  
Vol 13 (10) ◽  
pp. 130
Blandina Walowe Kori ◽  
Stephen M. A. Muathe ◽  
Samuel Mwangi Maina

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.

2019 ◽  
Vol 71 ◽  
pp. 02008
V.A. Manyaeva ◽  
S.V. Rykov ◽  
M.B. Tershukova ◽  
L.N. Milova

Under current market conditions, the problem of attracting available cash assets of natural and legal persons to bank deposits is one of the urgent tasks in the banking sector of the Russian Federation. Under circumstances of high competition and instability in financial markets, the issue of formation, implementation and objective assessment of deposit policy in commercial banks is becoming increasingly important. Reasonable deposit policy should take into account the selected priorities for further growth and improvement of quantitative and qualitative indicators of bank activity, its customers’ characteristics, and socio-economic conditions in the country. Deposit policy has a great impact on the liquidity and bank ability to meet payments. The authors studied the modern scientific idea to form and implement deposit policy of commercial banks in the process of flexible management of banking passives under the real state of the Russian financial market, and identified directions to improve formation and implementation of deposit policy in Russian commercial banks.

2015 ◽  
Vol 9 (1and2) ◽  
Dr. Padmasree Karamala

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.

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