scholarly journals Restructuring of the Banking Sector Through Merger: Case of Tunisian Banks

2021 ◽  
Vol 8 (2) ◽  
pp. 22
Author(s):  
Manel Bekri
Keyword(s):  
Banking Sector ◽  
Positive Impact ◽  
Principal Component ◽  
Economic Factor ◽  
Influential Factor ◽  
Documentary Analysis ◽  
Merger Process ◽  
Local Companies ◽  
Acquisition Processes ◽  
The Impact

In the classical economy, the business is always looking for growth. It tries to protect itself against disappearance and to enter new markets to ensure its growth. It resorts to the merger or the takeover of local companies to more easily solve certain problems. Development today by M&A is the most popular mode. In the context of merger acquisition processes, and its relationship with organizational, process, strategic, economic, political and cultural factors, our paper is designed to study the impact of these various factors on the merger-acquisition.To understand these relationships, we used principal component analysis, ANOVA analysis and multiple regression. A questionnaire was designed on the basis of a documentary analysis leading to the collection of 80 observations, collected from functionaries in the Tunisian banking sector during the period 16 December to 6 January 2016.The results show that the various factors have a positive impact on the success of the merger acquisition operation. It should be noted that the organizational factor is the most influential factor on the acquisition merger process and the least influential economic factor.

scholarly journals Restructuring of the Banking Sector through Merger: Case of Tunisian Banks

2020 ◽  
Vol 03 (11) ◽  
Author(s):  
Bekri Manel ◽  
Keyword(s):  
Banking Sector ◽  
Positive Impact ◽  
Principal Component ◽  
Economic Factor ◽  
Influential Factor ◽  
Documentary Analysis ◽  
Merger Process ◽  
Local Companies ◽  
Acquisition Processes ◽  
The Impact

In the classical economy, the business is always looking for growth. It tries to protect itself against disappearance and to enter new markets to ensure its growth. It resorts to the merger or the takeover of local companies to more easily solve certain problems. Development today by M&A is the most popular mode. In the context of merger acquisition processes, and its relationship with organizational, process, strategic, economic, political and cultural factors, our paper is designed to study the impact of these various factors on the merger-acquisition. To understand these relationships, we used principal component analysis, ANOVA analysis and multiple regression. A questionnaire was designed on the basis of a documentary analysis leading to the collection of 80 observations, collected from functionaries in the Tunisian banking sector during the period 16 December to 6 January 2016.The results show that the various factors have a positive impact on the success of the merger acquisition operation. It should be noted that the organizational factor is the most influential factor on the acquisition merger process and the least influential economic factor.

scholarly journals THE EFFECT OF MACROECONOMIC & BANK SPECIFIC FACTORS ON BANKS PROFITABILITY: AN EMPIRICAL EVIDENCE FROM BANKING INDUSTRY OF PAKISTAN

2020 ◽  
Vol 8 (3) ◽  
pp. 635-645 ◽  
Author(s):  
Khurram Sultan ◽  
Ramyar Rzgar Ahmed ◽  
Fairoz Mohammad Ameen ◽  
Mamta Singh
Keyword(s):  
Banking Sector ◽  
Positive Impact ◽  
Research Work ◽  
Economic Factor ◽  
Capital Adequacy ◽  
Secondary Source ◽  
Risk Capital ◽  
Negative Effect ◽  
Asset Size ◽  
The Impact

Purpose of the study: In the emerging environment of the banking sector, profitability is the main principle of the banks.The objective of this study to scrutinize the impact of banks on specific indicators such as asset size, credit risk, capital adequacy, and macroeconomic indicator such as the interest rate on the profitability of banks. Profitability is usually shown as a function of internal and external determinants. Methodology: To consider the determinants of bank’s profitability panel data has been used from 2003 to 2018 which belongs to 17 commercial banks for VIF, LSDVM, and Hausman test. The data is collected from the secondary source through financial reports of the banks. The dependent variable is ROE and the independent variables are in two categories bank-Specific variables and macroeconomic variables and analysis has been carried out in E-views software. Main Findings: The results reveal that the micro-economic factors that are deposits, asset quality, asset size, and liquidity have a significant impact on the bank’s profitability. While macro-economic factor gross domestic product (GDP) has a positive impact on the bank’s efficiency. However capital adequacy ratio, inflation has a negative effect on the bank’s profitability. Ours inspects give the conclusion that the bank's profitability being resolute by the significantly considered the above factors. Application of this study: This study contributes toward the banking sector for policymakers in order to construct the best capital configuration of the firm. This study also suggests that which element is having more importance while making capital configuration for the firm. The originality of this study: Profitability is usually shown as a function of internal and external determinants. The number of studies is available related to other industries but fewer studies are available related to the banking sector of Pakistan so this research work provides the technique while making the best profitability configuration for banks of Pakistan.

scholarly journals The impact of euro-integration processes on strengthening competitiveness of the banking sector

2021 ◽  
pp. 6-12
Author(s):  
I. Aloshyna
Keyword(s):  
Economic Integration ◽  
Capital Market ◽  
Banking Sector ◽  
Positive Impact ◽  
International Competitiveness ◽  
Banking Supervision ◽  
Euro Zone ◽  
Cross Border ◽  
Banking Institutions ◽  
The Impact

The study considers the essence and effects of economic integration on the Euro zone banking sector. The study explains that the intensification of economic integration of European countries provides a competitive environment for banks. The results found that the integration at the macro level increases the international competitiveness of the banking sector by creating a more transparent single secure market and increasing its capacity through the application of common rules and administrative standards for banking supervision and resolution, and on the meso- and micro levels increases the international competitiveness of banking institutions by increasing efficiency and profitability by increasing the volume of cross-border banking activities within the Euro zone. The conclusions suggest the main instruments of ECB’s monetary policy have a positive impact on improving the competitiveness of the banking sector by removing barriers to cross-border competition. Such instruments helped to create a large and transparent capital market, increase banking sector competitiveness by intensifying competition and efficiency of banks.

HRM Practices in Banking Sector of Pakistan

2016 ◽  
Vol 7 (2) ◽  
pp. 25-50
Author(s):  
Roya Rahimi ◽  
Vipin Nadda ◽  
Muhammad Hamid
Keyword(s):  
Performance Evaluation ◽  
Organizational Commitment ◽  
Banking Sector ◽  
Survey Methodology ◽  
Positive Impact ◽  
Pearson Correlation ◽  
Continuance Commitment ◽  
Hr Practices ◽  
And Performance ◽  
The Impact

Current study aims to critically investigate the impact of HR practices on organizational commitment of employees in the Banking Sector of Pakistan. The impact of training, compensation, performance evaluation, and promotion practices have been assessed on affective, normative and continuance commitment of employees via 12 hypotheses. Survey methodology was adopted via using structured questionnaire. A sample of 100 respondents was drawn from the employees working with various branches of the National Bank of Pakistan (NBP) located in Lahore, Pakistan. Collected data was subjected to Pearson Correlation and Regression analysis. The results of Pearson Correlation matrix demonstrated a positive correlation between HR practices and organizational commitment of employees which confirms all proposed hypotheses. Regression results showed a significant positive impact of training and performance evaluation on organizational commitment of employees. However, the significance of compensation and promotional practices could not be proved.

Impact of perceived experiential advertising on customers' responses: a multi-method approach

2020 ◽  
Vol 38 (6) ◽  
pp. 1237-1258
Author(s):  
Caroline Lacroix ◽  
Lova Rajaobelina ◽  
Anik St-Onge
Keyword(s):  
Affective Commitment ◽  
Banking Sector ◽  
Positive Impact ◽  
Structural Equations ◽  
Three Dimensions ◽  
Expression Recognition ◽  
Online Questionnaire ◽  
Content Type ◽  
Brand Credibility ◽  
The Impact

PurposeThis article proposes two studies to demonstrate the impact of three dimensions of perceived experiential advertising – cognitive/affective/sensory advertising, relate advertising and behavioural advertising – on consumer behaviour (brand credibility, affective commitment and emotions) in the banking sector.Design/methodology/approachFor study 1, a total of 506 online panellists of a recognized Canadian research firm were asked to evaluate a local bank advertisement using an online self-reported questionnaire. For study 2, a total of 65 Canadian respondents recruited through Facebook and Google adverts were asked to watch two video advertisements (one more experiential and the other less experiential). After viewing the advertisements on a computer equipped with FaceReader software by Noldus, participants completed a short online questionnaire.FindingsUsing structural equations modelling, the first study shows that brand credibility explains the positive impact of perceived cognitive/affective/sensory advertising (complementary mediation) and perceived behavioural advertising (indirect mediation only) on affective commitment. The second study illustrates that the cognitive/affective/sensory dimension is more important for experiential advertising than experiential advertising. Employing FaceReader facial expression recognition software results indicate that the bank advertisement with a higher score of perceived cognitive/affective/sensory advertising produces a higher level of happiness among respondents.Originality/valueBoth studies provide new insights into perceived experiential advertising and the impact of the latter on consumers. Benefits to scholars and practitioners include an enhanced understanding of advertising effectiveness in the banking sector.

The Impact of Government Intervention in Banks on Corporate Borrowers’ Stock Returns

2013 ◽  
Vol 48 (5) ◽  
pp. 1635-1662 ◽  
Author(s):  
Lars Norden ◽  
Peter Roosenboom ◽  
Teng Wang
Keyword(s):  
Financial Crisis ◽  
Stock Market ◽  
Stock Returns ◽  
Banking Sector ◽  
Positive Impact ◽  
Support Programs ◽  
Government Interventions ◽  
Stock Market Performance ◽  
The Impact ◽  
The U.S

AbstractWe investigate whether and how government interventions in the U.S. banking sector influence the stock market performance of corporate borrowers during the financial crisis of 2007–2009. We measure firms’ exposures to government interventions with an intervention score that is based on combined information on the firms’ structure of bank relationships and their banks’ participation in government capital support programs. We find that government capital infusions in banks have a significantly positive impact on borrowing firms’ stock returns. The effect is more pronounced for riskier and bank-dependent firms and for those that borrow from banks that are less capitalized and smaller.

The Effect of Pleasure and Arousal on Satisfaction and Word-of-Mouth: An Empirical Study of the Indian Banking Sector

2013 ◽  
Vol 38 (2) ◽  
pp. 95-104 ◽  
Author(s):  
Gopal Das
Keyword(s):  
Customer Satisfaction ◽  
Conceptual Model ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Banking Sector ◽  
Positive Impact ◽  
Sampling Procedure ◽  
Equation Modeling ◽  
Public And Private Sector ◽  
The Impact

During the last decade, the Indian banking sector has shown a remarkable advancement in terms of innovation, growth, and value creation. Behind this development of the Indian banking sector, several factors like customer satisfaction and word-of-mouth (WOM) are responsible. Literature has reported that pleasure and arousal play an important role in customer satisfaction. Investigations have been carried out on the influence of pleasure and arousal on behavioural intentions including satisfaction and WOM. However, there has been no such study for the banking sector. This gap in research has motivated this study. This paper suggests a conceptual model in which pleasure and arousal directly influence satisfaction and WOM. It also tests the impact of satisfaction on WOM. Based on prior literature, several hypotheses stating the linkages among pleasure, arousal, satisfaction, and word-of-mouth were developed. Russell�s framework for pleasure and arousal (emotion) formed the basis of the model. For the purpose of the study, face-to-face interviews with a structured questionnaire were conducted to collect data. Participants included customers above 18 years from both public and private sector banks in three cities namely, Kolkata, Durgapur, and Haldia of West Bengal, India. Data collection was done with the use of area sampling procedure. Out of 500 questionnaires administered, about 310 questionnaires were useable for analysis. The data analysis was done with SPSS 19 and AMOS 18. Structural equation modeling (SEM) using AMOS 18 was applied to explore the links between the constructs in the conceptual model. The overall fit of the conceptual model was assessed using several indices furnished in the AMOS output. The fit index results suggested model fitness with the data. The results of the study indicate that: Pleasure has significant positive and negative impacts on satisfaction and WOM respectively. Arousal has significant negative and positive impact on satisfaction and WOM. Satisfaction has positive significant impact on WOM.

scholarly journals The Impact of Macroeconomic variables on the credit provided by Saudi Banks: تأثير المتغيرات الاقتصادية الكلية على التمويل المصرفي في المملكة العربية السعودية (دراسة قياسية شملت البيانات من 1970م – 2012م)

2019 ◽  
Vol 3 (3) ◽  
Author(s):  
Eyas Jafar Abdel Rahim
Keyword(s):  
Banking Sector ◽  
Time Series Data ◽  
Positive Impact ◽  
Government Expenditure ◽  
Series Data ◽  
Macroeconomic Variables ◽  
Distributed Lag ◽  
Bank Deposits ◽  
Long Run ◽  
The Impact

The study aimed to examine the impact of macroeconomic variables of the Saudi economy as in Gross Domestic Product (GDP), Government Expenditure (G), Economic Openness (OPE), Inflation Rate (CPI) and the Bank Deposits (DS) on the credit provided by Saudi banks (BF), on annual time series data between 1970-2012. To investigate this relationship, the study used Autoregressive Distributed Lag method (ARDL) to measure the long-run and short-run impact, At that the E-views 8.1 has been used for analyze the cointegration,the diagnostic, the reliability - stability tests, and the forecasting behavior of the model. The study found that (BF) is affected positively by (GDP) growth rate in the long-run. Also the (BF) has been affected negatively in the short and long-run by inflation rates (CPI) and government expenditure (G). Consequently the Contractionary Fiscal Policy in recent period will not lead to reduce the financial performance of Saudi banks, and the growth of (GDP) in the future will have positive impact on the financing capacity of the Saudi banking sector.

scholarly journals The policy-led sustainability and financial performance linkage in the banking sector: case of Bangladesh

2019 ◽  
Vol 14 (4) ◽  
pp. 89-103 ◽  
Author(s):  
Samiul Parvez Ahmed ◽  
Sarwar Uddin Ahmed ◽  
Mohammad Fahad Noor ◽  
Zaima Ahmed ◽  
Uttam Karmaker
Keyword(s):  
Developing Countries ◽  
Financial Performance ◽  
Banking Sector ◽  
Positive Impact ◽  
Developed Countries ◽  
Influential Factor ◽  
Political Interference ◽  
Policy Guideline ◽  
Research Findings ◽  
Sustainability Initiatives

Researchers in developed countries argue that banks should be free to decide about their sustainability initiatives without the interference from regulators. However, researchers in developing countries tend to think differently. This study aimed to focus on this argument by examining the linkage between sustainability and financial performance (SFP) aided through regulatory policy guidelines. In doing so, a comparative study was conducted between 2012 and 2018 to compare the pre- and post-status of SFP due to implementation of policy measures. Environmental, social and governance (ESG) scores were calculated and related with financial performance (return on assets) through regression analysis. The sample data includes 30 private commercial banks (PCBs) in Bangladesh. The analysis of the data shows that during these years, the overall sustainability performance, i.e., environmental, social and governance scores of the banks increased by 33 percent. However, the transformation of this performance into better financial performance could not been established even when age and size were taken into account. The current turbulent state of the banking sector due to growing non-performing loan has been identified as the single most influential factor for this neutral result. Research findings suggest that policy guideline initiatives do have a positive impact on bank sustainability. However, exogenous factors, such as political interference, may appease, deviate and prolong its impact on financial performance. This work will enhance the understanding of academics and policy-makers about the feasibility and impact of the policy-led sustainability model in the banking sector, particularly in developing countries.

scholarly journals Does Growing Economy And Better Governance Impede Banking Efficiency? A DEA Analysis

2015 ◽  
Vol 31 (6) ◽  
pp. 2213
Author(s):  
Ramiz Ur Rehman ◽  
Junrui Zhang ◽  
Rizwan Ali ◽  
Abdul Qadeer
Keyword(s):  
Corporate Governance ◽  
Interest Rates ◽  
Banking Sector ◽  
Negative Impact ◽  
Positive Impact ◽  
Foreign Banks ◽  
Significant Difference ◽  
Governance Practices ◽  
Growing Economy ◽  
The Impact

The paper estimates the efficiencies of Pakistani banking sector from 1998-2009. The analysis is further extended and regressed estimated banking efficiencies by using Data Envelopment Analysis (DEA), with macro-economic indicators and corporate governance variables of the banking sector. The purpose of this analysis is to determine the impact of overall economic conditions of a country and corporate governance practices on banking efficiencies. The results suggest that the corporate governance practices, like, board size, board independence have positive impact on overall banking sector efficiencies of Pakistan. Also, the GPD growth and interest rates have positive and negative impact on banking efficiencies respectively. The study has not found any significant difference in banking efficiencies of state-owned, private and foreign banks of Pakistan. 

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