scholarly journals Polish versus European banking sector − characteristics, consolidation, ownership changes

2019 ◽  
Author(s):  
Anna Pyka ◽  
Aleksandra Nocoń
Keyword(s):  
Comparative Analysis ◽  
Ownership Structure ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Rapid Development ◽  
Synthesis Method ◽  
Secondary Data ◽  
Bank Capital ◽  
Main Research ◽  
Depth Analysis

Purpose – the main aim of the study is an assessment of the banking sector in Poland, including the size of the sector, banking institutions forming the sector and consolidation processes taking place in the sector against the background of banking sectors in other countries. The paper also indicates ownership changes as a consequence of consolidation processes in the banking sectors after the global financial crisis of 2008−2012. Research methodology – the following research methods were used: cause and effect analysis, comparative analysis, case studies, observation method, secondary data analysis, and synthesis method. Findings – the research allowed to find out that the banking sector in Poland is growing at a rate significantly exceeding the growth rate in other European countries. However, rapid development does not mean a radical increase in the importance of this sector in Europe. Concentration ratios of the Polish banking sector show continuous but slight increases, although their level is still quite low compared to other European Union countries. Moreover, in Poland, a decreasing number of banks, observed in recent years, reduces a share of foreign investors in the structure of the sector. This means a high activity of domestic investors in taking over bank capital. Research limitations – the main research limitation is that the study mainly focuses on changes as well as comparative analysis of the concentration ratio (CR5). While further research should be expanded by more measures to compare ownership structure and the profitability of Polish and the European Unionʼs banking sectors. Practical implications – the results might be useful for central banks and supervisory authorities when it comes to their role in changes in the ownership structure of banking sectors. Originality/Value – the main value of the article is the in-depth analysis of the ownership structure of the Polish banking sector in the background of the European ones

The macroeconomic impact of shocks to bank capital buffers in the Euro Area

2019 ◽  
Vol 20 (1) ◽  
Author(s):  
Derrick Kanngiesser ◽  
Reiner Martin ◽  
Laurent Maurin ◽  
Diego Moccero
Keyword(s):  
Euro Area ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Decomposition Analysis ◽  
Bank Lending ◽  
Empirical Literature ◽  
Bank Capital ◽  
Macroeconomic Impact ◽  
The Global Financial Crisis ◽  
The Impact

Abstract While the global financial crisis revealed a need for macroprudential policy tools to mitigate the build-up of risk in the financial system, the impact of such policies on the banking sector and the macroeconomy remains largely uncertain. We contribute to the empirical literature that estimates the impact of shocks to bank capital buffers on bank lending and the macroeconomy by estimating a Bayesian VAR model identified with sign restrictions. We use bank-level data for large euro area listed banks to construct an aggregate bank capital buffer for the euro area, which is included as another variable in the model. We estimate three shocks affecting the euro area economy, namely a demand shock, a monetary policy shock and a shock to bank capital buffers. We find that banks curtail lending and reduce their relative exposure to riskier assets in response to a shock to the bank capital buffer. Historical shock decomposition analysis shows that shocks to bank capital buffers have contributed to impair bank lending growth and to widen bank lending spreads, hence depressing economic activity.

scholarly journals Financial Stability – Comparative Analysis: Montenegro, Serbia and the Netherlands

2015 ◽  
Vol 4 (1) ◽  
pp. 63-93 ◽  
Author(s):  
Milena Vučinić
Keyword(s):  
Comparative Analysis ◽  
The Netherlands ◽  
Financial Stability ◽  
Global Economy ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Financial System ◽  
System Stability ◽  
Major Influence ◽  
The Global Financial Crisis

Abstract The global financial crisis has had far-reaching effects on financial systems and economies all over the world, thus putting the importance of safeguarding financial stability in the focus of interest of the global economy. This paper presents the importance of safeguarding financial stability and building a strong financial system with developed early identification and successful management of risks, i.e. a system resilient to shocks and capable of overcoming them. The paper focus is on the issue of financial stability of Montenegro, given through comparative analysis of the financial stability safeguarding frameworks in the Netherlands and the Republic of Serbia. The paper aims to present the regulatory institutional framework for safeguarding financial stability, and the measures that the countries take in order to achieve stability of their macroeconomic environment and financial system. The comparison of the characteristics and the approach to safeguarding the banking sector is particularly emphasised due to its major influence on the financial system stability.

scholarly journals The Bank Card Market: a Comparative Analysis of Ukraine and its Neighboring Countries

2018 ◽  
Vol 21 (4) ◽  
pp. 25-44 ◽  
Author(s):  
Olena Sobolieva-Tereshchenko
Keyword(s):  
Comparative Analysis ◽  
Financial Market ◽  
Banking Sector ◽  
Research Question ◽  
Depth Analysis ◽  
Payment Cards ◽  
Bank Card

The purpose of this study is to define the major determinants of the bank card market to investigate the banking sector of different countries. Using three models of ranking, we discuss what can be used to rank the financial market and how it translates into the ranking of the bank card market. We use comparative analysis to verify our assumption, referring to a total of 8 countries: Ukraine and its neighboring countries. Afterward, we conduct a more in‑depth analysis of two cases (Poland and Ukraine) as two similar bank card markets. The research question is founded on the assumption that for a comparative analysis, it is necessary to use a system of interrelated indicators of bank payment cards, ATMs and POS terminals as the explicative variables.

scholarly journals Fintech and its challenge for banking sector

2021 ◽  
Vol 6 (1) ◽  
pp. 55
Author(s):  
Diyan Lestari ◽  
Basuki Toto Rahmanto
Keyword(s):  
Service Sector ◽  
Banking Sector ◽  
Service Industry ◽  
Rapid Development ◽  
Secondary Data ◽  
Digital Age ◽  
Financial Service ◽  
Innovative Strategy ◽  
Financial Transaction ◽  
And Performance

Abstract: The rapid development of technology has shifted consumer behavior which impact on business, including banking sector. It is expected that technology can be optimized to improve productivity and performance. In banking sector, technology plays important role to ease the financial transaction and minimize cost. In the digital age, most of individual activities are conducted by technology, including completing their financial transaction. Technology also helps to promote financial inclusion. Furthermore, the Covid-19 pandemic has leveraged the digital adoption into different level due to the social distancing practice. This study aims to investigate the fintech strategy to enter the financial service sector, and how bank response the fintech development. This study is a qualitative research which implemented depth interviews and content analysis. Moreover, this paper utilized both primary and secondary data in order to provide valid investigation. This study found that fintech is basically innovative, and promotes innovative strategy to enter the financial service industry, while banks have already prepared to compete in the digital age. Several strategies were formulated by banks to win the competition, including investing in software, hardware, and even in financial technology companies.       Kata kunci: fintech, banking, innovation

scholarly journals Studi Empiris Kekuatan Stabilitas Keuangan Perbankan Syariah di Indonesia

2019 ◽  
Vol 8 (2) ◽  
pp. 147
Author(s):  
Elok Heniwati
Keyword(s):  
Banking Sector ◽  
Global Financial Crisis ◽  
Stock Exchange ◽  
Secondary Data ◽  
Annual Reports ◽  
Islamic Banking ◽  
Insolvency Risk ◽  
Conventional Banks ◽  
The Stability ◽  
The Global Financial Crisis

The study aims to examine the stability of Islamic banking in Indonesia after the global financial crisis. This study is significant, considering the rapidly growth of Islamic banking in Indonesia and uniqueness of its operating systems and products. By using secondary data from the annual reports of the banking sector listed on the Indonesia Stock Exchange (IDX) for the period from 2013 to 2016, regression analysis with the ZSCORE function (insolvency risk) as the dependent variable and a number of predictor variables (firm-specific, macroeconomic and governance) are used as tools for achieving research objectives. To check the robustness of the research findings, a model with different specifications has been used. The results indicate that profitability and firm size have a significant influence on the insolvency risk (ZSCORE) of banks and empirical factors that influence these risks differ between Islamic banks and conventional banks.

scholarly journals Bank Capital Structure Dynamics and Covid-19: Evidence from South Asia

2021 ◽  
Vol 3 (3) ◽  
Author(s):  
Khalil Ullah Mohammad ◽  
Mohsin Raza Khan
Keyword(s):  
Capital Structure ◽  
South Asia ◽  
South Asian ◽  
Economic Activity ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Bank Capital ◽  
Structure Dynamics ◽  
The Impact ◽  
The Capital Structure

The severity in terms of economic activity of the Covid-19 crisis was higher than the global financial crisis. Covid-19 has not only challenged the economic activity across the world but has put to test how the bank operates under the global crises. The objective of this paper is to identify the impact of the Covid-19 crisis on the South Asian banking sector. We investigate if South Asian banks have target leverage and how the Covid-19 crisis impacted their capital structure dynamics. To fulfill the objective, past data on all banks of South Asian countries listed in the Thomson Reuter Refinitiv were considered. The sample ended up including quarterly data of banks from India, Pakistan, Bangladesh, Sri Lanka, Bhutan Nepal and Afghanistan. Engle-Granger's two-step procedure for error correction and two-step GMM estimation was employed to measure the speed of adjustment and the impact of Covid-19 on bank capital. The study found that the capital structure determinants favor the static trade-off theory for South Asian banks. It is also observed that South Asian banks’ capital was negatively impacted by Covid-19. The analysis supports the view of leverage convergence for the capital structure. This study improves our understanding of the capital structure dynamics of banks in response to exogenous shocks in South Asia.

scholarly journals Scientific research on the improvement of commercial banks and application of innovations

2019 ◽  
Vol 81 (2) ◽  
pp. 280-284
Author(s):  
Ayxan Nizami Ayvazli
Keyword(s):  
Service Sector ◽  
Banking Sector ◽  
Rapid Development ◽  
Marketing Research ◽  
Global Changes ◽  
Bank Capital ◽  
Institutional Economic ◽  
Expert Opinions ◽  
Service Information ◽  
Market Relations

It should be borne in mind that the global changes taking place in the world have led to significant innovation changes in financial institutions, one of the main mechanisms in the information economy, and have had a significant impact on the rapid development of the banking sector and the specialization of modern requirements. Proper regulation of market relations has always been a private and public sector. In particular, the study of the globalization processes and the problems that arise as a result of the activities carried out in the banking sector are on the agenda. The elimination of problems in the banking sector and further development and improvement of the service sector will always remain relevant. The new requirements for economic conditions to adapt to the requirements of the modern era come in parallel, respectively. To apply new banking products, strategy and policy based on the bank's marketing service information and materials should be prepared. Bank's strategy and policy should be formulated specifically in the plan for preparation, supply and sale of banking products. Each bank should make decisions on modification of the banking product based on marketing research and develop a long-term business plan for the introduction of new banking services. High level of production relations dynamics, special attention to the formation of commodity-market relations, necessitates the development of a clear tactic and strategy for modern monetary and credit policy and banking business management. Modern analysis and monitoring indicate that the institutional economic problems arising from monetary policy can be resolved either through the level of credit investments, concentration of bank capital, the average interest rate on loans and deposits, the ability to attract resources or many other factors. In the context of new economic relations, modeling based on mathematical statistical methods, and expert opinions should be used in the development of the scenario of banks behavior.

scholarly journals Loan portfolio and nonperforming loans in Western Balkan Countries

2019 ◽  
Vol 7 (4) ◽  
pp. 10-20
Author(s):  
Qazim Tmava ◽  
Ajtene Avdullahi ◽  
Besë Sadikaj
Keyword(s):  
Developing Countries ◽  
Comparative Analysis ◽  
Financial Crisis ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Controversial Issues ◽  
Loan Portfolio ◽  
Nonperforming Loans ◽  
Balkan Countries ◽  
Macroeconomic Indicators

Non-performing loans (NPLs) present one of the most controversial issues in both developed and developing countries. The main purpose of this paper is to analyze and compare the loan portfolio and NPLs in the Western Balkan countries: Albania, Bosnia and Herzegovina, Kosovo, Macedonia, Montenegro, and Serbia for the period 2008-2015. Besides, this research aims to make a comparative analysis of some other macroeconomic indicators and industry factors that affect them such as GDP, banking sector assets, loan portfolio, asset participation in GDP, credit participation in GDP, deposit credit ratio, the NPL report on total loans. The results show that the NPL have had a growing trend in the post-global financial crisis, with different variations. In this regard, the highest rate of NPL reflects Serbia, Albania, followed by Montenegro, B&H, and Macedonia, while the lowest rate is in Kosovo.

scholarly journals How important is culture?

2020 ◽  
Vol 25 ◽  
pp. 113-131
Author(s):  
Romina Gurashi ◽  
Andrea Grippo
Keyword(s):  
Educational System ◽  
Economic Performance ◽  
Secondary Data ◽  
Labour Markets ◽  
Academic Field ◽  
Main Research ◽  
Depth Analysis ◽  
Specific Outcome ◽  
Recent Graduates ◽  
Research And Education

In a globalised world where competitiveness represents the keystone of modern capitalist society and thus of economic health and prosperity, knowledge and expertise express the very differentiating element between successful and unsuccessful economic performance. In a systemic perspective, the ever-changing character of our society imposes a continuous reorientation of the processes of knowledge transmission to tackle the increasing challenges posed by interrelated labour markets. In the academic field, this involves the use of multi- and transdisciplinary approaches in research and education. In the light of the assumption that the economy is not a self-standing subject but it dialectically interacts with the socio-cultural phenomena, the researchers will provide an in-depth analysis of the most recent data on the relationship between economics and culture. This article is the result of analytical research, conducted by using the mixed research methodology. The primary and secondary data are used, as well as do an extensive bibliographic research. The analysis offered is functional, in order to determine a correlation between economics and culture. By examining the specific outcome of the educational system, the researchers will give important insights into the capacity of the Italian educational system to address new needs of labour markets, i.e. to support the employment rate of recent graduates. This work further aims to verify the hypothesis of a positive correlation between economic performance and educational level. The main research limitation might be related to the fact that this study offers a national overview of the phenomenon, leaving aside any regional or local specificity. The original value of this work lays in the test of the theory recognizing a connection between changes in the labour market and in Italian educational system.

Financial Market Development and Bank Capitalization Ratio

Paradigm ◽  
2017 ◽  
Vol 21 (2) ◽  
pp. 126-138 ◽  
Author(s):  
Oyebola Fatima Etudaiye-Muhtar ◽  
Rubi Ahmad ◽  
Taiwo Azeez Olaniyi ◽  
Bilqees Ayoola Abdulmumin
Keyword(s):  
Banking Sector ◽  
Global Financial Crisis ◽  
Financial System ◽  
Financial Sector ◽  
Bank Capital ◽  
African Countries ◽  
Macroeconomic Factors ◽  
Banking Sector Development ◽  
Dynamic Panel Regression ◽  
The Stability

Financial sector liberalization in many African countries, set in a series of financial sector reforms, aimed at developing the system. Theoretically, reforms that develop the banking sector are expected to improve banks’ performance and reduce excessive bank-risk taking by enhancing bank capital ratio in addition to maintain the stability in the system. Nonetheless, literature also shows that the health of the financial system may be at risk following a liberalization process in the form of contagion effects of financial markets integration. A recent example is the global 2007/2008 global financial crisis. Against this background, this article examines the extent to which banking sector development in selected African countries affect the commercial banks’ capitalization ratio. Employing a dynamic panel regression technique for the examination while controlling for bank-specific and macroeconomic factors over the period 2000–2014, this article finds that banking sector development in the selected countries improves bank capital ratio consistent with the aims of banking sector reforms and the maintenance of stable financial system.

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