A Comparative Study of Fundamental and Technical Analysis on Private Sector Banks

All investment is the allocation of money to assets that are expected to yield some gain over a period of time. One of the best high risk and return investments was buying shares in stock exchange. Through these fundamental and technical analysis helps to reduce the risk. The fundamental analysis is used to understand the trend and growth of the economic, industry and company. For this analysis investor used many tools like EPS, PE ratio, Book value, ROE, etc. The technical analysis is used to understand price moment of the stocks and index. For this analysis investor used many tools like Trend, Support and Resistance, RSI, MACD, etc. From this study investors can able to understand and find low risk stocks in Nifty Private Bank. There is no analysis tools and strategy to find the risk free stock. This analysis helps to find the profitable stocks in Nifty Private Bank.

YES Bank Fiasco: Arrogance or Negligence

The present case study is based on the nation’s biggest-ever banking failure of India’s fastest-growing private bank, YES Bank. The YES Bank fiasco showcases the prevalent flaws of uprising NPAs and mounting bad debts in the financial sector. Post Asset Quality Review (AQR) conducted by RBI elucidate that the NPA of YES Bank is seven times higher than the actual reported amount in their audit book. The sudden trauma reflected the events unfolding in the bank as the share market plummets drastically and the losses enlarged exponentially. To stymie further deterioration, the Reserve Bank of India (RBI) stepped in and took over YES Bank management. The economy is already set to decelerate to an 11-year low following demonetization and the outbreak threatens to delay a revival in an emerging economy like India. The subject that this case will fit in is Capital Structure, Corporate Governance and Ethics and Auditing.

The Adoption of Cloud Computing Among Private Banks Employees in Libya

The adoption of cloud computing (CC) by individuals and banking institutions garnered little attention. The goal of this study is to examine the factors that influence the adoption of CC by Libyan private bank personnel. According to the findings, employees' behavioral intention (BI) to adopt CC is significantly influenced by individual elements (performance expectation (PE), effort expectation (EE), social influence (SI), attitude (AT), and IT knowledge (ITK), among others. User happiness with cloud computing has been proposed to moderate the impact of individual elements on BI (SaaS). A total of 309 Libyan bank workers were randomly selected to participate in the study. Analyses of Moment Structures were used in the study (AMOS). The findings of the study show that the BI's use of CC is influenced by a variety of personal circumstances. It was partially mediated by satisfaction in BI's decision to employ CC. Employees at private banks will be more likely to use CC if they focus on their own needs.

Evolution of Cryptocurrency: Changes in the Use and Consumer Demand for Digital Transactions

The quick advancement of cryptographic forms of money has caused to notice this specific market, with financial backers attempting to comprehend its conduct and analysts attempting to clarify it. The development of digital currencies' costs showed a sort of air pocket and an accident toward the finish of 2017. In view of this occasion, and on the way that Bitcoin is the most perceived digital currency, we propose to assess the infection impact among Bitcoin and other significant cryptographic forms of money. Utilizing the Detrended Cross-Correlation Analysis connection coefficient and looking at the period after and before the accident, we discovered proof of an infection impact, with this specific market being more incorporated now than in the past something that ought to be considered by current and likely financial backers. Cryptocurrency like Bitcoin have developed from being related only with geeks and revolutionaries to being considered by national banks as an innovation to carry out advanced cash. Digital forms of money exist just in computerized shape and can be moved totally between advanced addresses. This is both not normal for traditional electronic cash as perceived by laypersons which goes about as an obligation guarantee on a store with a confided in monetary foundation, for example, a private bank and dissimilar to ordinary bodily cash which might be truly moved by. This implies that any lawful rights related with holding digital forms of money should be diverse in spite of it being staying not entirely clear. In this , we take a gander at the different medicines of cash in the lawful detect and talk about the dangers related with each by drawing on genuine models. We presume that extortion through hacking might actually represent an issue to broad reception of cryptographic forms of money as the shortfall of plan of action against an outsider, for example, a bank amasses hazard in holders of digital currencies. Clients should hence practice alert and comprehend the dangers prior to putting resources into digital currencies. This admonition requires accentuation as many gatherings misunderstand the cryptography inside the innovation as shielding them from such misrepresentation when truth be told it does nothing of the sort. Keywords: Cryptocurrency, Cryptography, Digital Currencies, Bitcoin, Blockchain.

Analisis Perbandingan Kinerja keuangan Bank Pemerintah dan Bank Swasta Nasional yang Terdaftar di Bursa Efek Indonesia Tahun 2014-2019

Financial performance is the result or description of the operational activities that the company has carried out in a period. Every company listed on the Indonesian stock exchange must publish a complete financial report so that it can describe the company's financial performance. The problem in this study is that ownership of a bank has differences in determining goals and decisions, government banks have the goal of prospering the public and providing public services to the public, while private banks are more oriented towards achieving high profits so that this has an influence on the achievement of financial performance obtained each bank. This study, comparing the financial performance of government banks and private banks listed on the Indonesian stock exchange in 2014-2019. This study uses the RGEC method. Where the research results show that when viewed from the ratio of NPL, LDR, GCG, ROA and NIM there is no significant difference between the financial performance state banks and national private banks. When viewed from the CAR ratio, there is a significant difference between the financial performance of government banks and national private banksKeywords : financial performance, government bank, private bank

THE ROLE OF TENURE AND INCENTIVES ON EMPLOYEE BEHAVIOR

Every company needs to pay attention and regulate employee behavior in the workplace so that the stability of organizational life is maintained in a conducive manner. Various efforts have been made to achieve this, such as providing incentives. By paying attention to the adaptation of employees in the work environment based on years of service. The purpose of this study is to determine the role of tenure and incentives that shape employee work behavior. The selected population is all employees who work at a private bank branch office in Surabaya. All employees other than the leadership at the bank were sampled as many as 49 people. Regression analysis to answer the purpose of this study with the help of SPSS. The results obtained are the length of service and incentives together and individually proven to have a role to shape employee work behavior. The variable of tenure is more dominant in shaping employee work behavior.

Are suspicious activity reporting requirements for cryptocurrency exchanges effective?

This study analyzes the impact of a newly emerging type of anti-money laundering regulation that obligates cryptocurrency exchanges to report suspicious transactions to financial authorities. We build a theoretical model for the reporting decision structure of a private bank or cryptocurrency exchange and show that an inferior ability to detect money laundering (ML) increases the ratio of reported transactions to unreported transactions. If a representative money launderer makes an optimal portfolio choice, then this ratio increases further. Our findings suggest that cryptocurrency exchanges will exhibit more excessive reporting behavior under this regulation than private banks. We attribute this result to cryptocurrency exchanges’ inferior ML detection abilities and their proximity to the underground economy.

JOB SATISFACTION IN PUBLIC AND PRIVATE BANKING SECTOR EMPLOYEES

This study finds out the effect of Job satisfaction on Cadre of Employees and Length of Service and interaction between cadre of employees and length of service. 240 subjects were used as sample of the research, 120 subjects were of Public Sector Bank and 120 of Private Bank of Meerut Region. Each group of 120 individuals consisted of 60 Officers and 60 Clerical staff. Each group of 60 bank employee consisted of 30 employee of below 5 years and 30 employee of above 10 years. Effects of this independent variable cadre have two categories officer (A1) and Clerical (A2). Second variable length of service has two categories i.e., below 5 years (B1) and above 10 years (B2). Job Satisfaction Scale: This test was developed by Prof. S.K. Srivastava of Gurukul Kangri University; Haridwar. As the design of the study examine the effect of one dependent variable on job satisfaction and two independent variables were, Cadre (A), Length of Service (B). ANOVA was used as statistical technique to analyze the data followed by Mean.

La Caja Nacional de Ahorros y la banca estatal: un caso exitoso de economía asociativa entre cajas financieras en Chile, c. 1920-1950

Este trabajo examina los lazos entre la Caja Nacional de Ahorros y otros bancos estatales como la Caja de Crédito Hipotecario y la Caja de Crédito Agrario entre fines del siglo XIX y la primera mitad del siglo XX. Los permanentes vínculos financieros, la cooperación operativa y el Consejo Directivo compartido entre las ‘cajas’, explican el éxito y la permanencia en el mercado de las tres firmas estatales. En adición, este trabajo evidencia la relevancia de la Caja Nacional de Ahorros en el mercado del ahorro chileno: en el año 1922 más del 50% de las personas en Santiago y más del 25% de la población del país tenía una libreta de ahorro de la ‘caja de ahorros’, es decir, prácticamente todas las familias del país tenían una cuenta de ahorro en esta institución. La amplia presencia de oficinas de la Caja Nacional de Ahorros en ciudades y localidades donde ningún banco privado tenía sucursales y su sistema de visitas en terreno le permitieron capturar a una gran cantidad de clientes, sobre todo de la clase obrera, la cual estaba dispuesta a ahorrar en el sistema financiero formal. Por último, la trayectoria de estrechas relaciones entre estas empresas es uno de los principales factores que explican por qué estas instituciones fueron fusionadas en 1953 para formar el Banco del Estado de Chile. This work examines the links among the Caja Nacional de Ahorros (National Savings Bank) and other state-owned banks such as the Caja de Crédito Hipotecario (National Mortgage Bank) and the Caja de Crédito Agrario (Agricultural Credit Bank) from the end of the nineteenth-century to the first half of the twentieth-century. The permanent financial links, the operative cooperation, and the shared Board of Directors among the “cajas” explain the success and permanence in the market of the three state-owned firms. In addition, this work shows the relevance of the Caja Nacional de Ahorros in the Chilean savings market: in 1922 more than 50 percent of the people in Santiago and more than 25 percent of the country’s population had a savings account of the ‘National Savings Bank‘ , that is, practically all the families in the country had a savings account in this institution. The wide presence of offices of the Caja Nacional de Ahorros in cities and towns where no private bank had branches and its system of field visits allowed it to capture many customers, especially the working class, who were willing to save in the formal financial system. Finally, the history of close relationships among these companies is one of the main factors that explain why these institutions were merged in 1953 to form the Banco del Estado de Chile.

Loan Officer and the Evolution of Bank-SMEs Relationship in Tunisia

This paper empirically investigates the role of the loan officer in the evolution of the bank-SMEs relationship and its motivation for studying credit demand, its level of alignment to the hierarchy and its participation in the decision-making process. Based on a survey of 160 loan officers from two large Tunisian commercial banks: the ‘Société Tunisienne de Banque’ (STB) – as a public bank, and the ‘Banque Internationale Arabe de Tunisie’ (BIAT) – as a private bank, data analysis shows that self-esteem, need for success, autonomy in performing duties, and participation in the decision-making process are motivating factors at work for loan officers at both banks. The number of visits to the premises of the SME and the average length of interviews with its manager are considered important for the acquisition of soft information. Regarding the decision-making power, while a certain delegation has been instituted at the regional level in the BIAT, it is more the responsibility of the central committees in the STB. The decision of evolution depends more on the hierarchical superiors in a private bank that is why the BIAT officers are closer to their superiors than those of the STB.