Determinants of credit risk at Vietnam bank for agriculture and rural developments in Can Tho City

The aim of this study is to investigate factors affecting credit risks of the borrowers (both corporate and individual customers) of Vietnam bank for agriculture and rural development's branch at Can Tho city (lender), thereby proposing several solutions to improve the bank’s operational efficiency in the upcoming years. Simultaneous qualitative and quantitative research methods are applied and secondary data from 102 corporate customers and 2100 individual clients are collected directly from the financial report of the Can Tho branch of Vietnam bank for agriculture and rural development (Agribank) until the end of 2018. A binary logistics model is employed to identify the determinant factors of the credit risk of bank customers. Estimation results reveal that the credit risk of corporate customers is affected by the factors of sales growth, return on sales ratio, Debt to equity ratio, collateral-to-outstanding loan balance ratio, and customer's loan history which are consistent with those of previous studies, whereas the credit risk of individual customers is influenced by the factors of age, educational level, loan purpose, loan maturity, type of collateral, customer income, and customer loan history, which are confirmed by previous studies. The empirical findings of the article imply that the Can Tho branch of Agribank should take precautions in order to limit the credit risk of bank customers. In addition, several governance recommendations are given for bank’s manager to improve the operational efficiency of bank.

Effect of Products and Images on Customer Decisions in Choosing a Sharia Bank with Religiosity as a Moderating Variable (Case Study on Customers of PT Bank Syariah Mandiri Simalungun Trade Support Branch)

This study aims to determine the effect of products and images on customer decisions in choosing a sharia bank with religiosity as a moderating variable. The population in this study were customers of PT Bank Syariah Mandiri Simalungun Trade Support Branch, namely customers who have accounts, funding product accounts or individual financing, not corporate customers and are not customers because they work in a company (such as a payroll account). The population is 2,400 customers. Sampling using cluster sampling. The analytical method used in this study is a descriptive method and the analysis technique used is structural equation modeling-partial least squares (SEM-PLS). The results showed a significant effect of products and images variables on customer decisions in choosing a sharia bank, while religiosity was not significant in moderating the effect of products and images on customer decisions in choosing sharia bank. Keywords: Products, Images, Religiosity, Customer Decisions

Modernization and multipurpose arenas: providing context for tomorrow

PurposeThe purpose of this paper is to identify the historical factors that influenced the design and construction of modern National Hockey League and National Basketball Association arenas between 1990 and 2018. Additionally, this paper seeks to index the characteristics of those modern arenas while forwarding reasonable, informed propositions for future multipurpose arena design.Design/methodology/approachThe historical methodology was applied to the design and construction of modern multipurpose arenas between 1990 and 2018. Modernization theory was utilized as an organizing construct to understand the intentional managerial actions to capitalize on consumer expectations by responding to economic and technological changes.FindingsSport managers responded to decreased median family incomes during the period of the study by building arenas with increasingly commodified spaces and amenities targeting wealthy and corporate customers. New technologies were adopted within facilities to meet the needs and expectations of in-venue and remote consumers.Practical implicationsIn addition to demonstrating the practical utility of modernization theory and applied history for sport management scholars and practitioners, particularly in the Western context, the present study provides a series of propositions for future sport managers to consider to maintain or establish institutional advantage in the arena marketplace.Originality/valueThe paper contributes to the sport management literature by demonstrating the utility of modernization theory and applied history for sport management. In examining the design history of modern multipurpose arenas, the paper identifies the characteristics of modern multipurpose arenas while demonstrating the importance of understanding context and intentionality in managerial decision making.

Interest rate pass through in the deposit and loan products provided by Greek banks

A core input in performing a regulatory stress test is the evolution of interest rates, as it affects the income generated from the assets’ side and the expenses from the liabilities’ side. In this work, we apply an autoregressive model with distributed lags (ADL) to quantify the pass through rates, that is, the degree and speed of incorporation of the changes of money market rates by banks into their customers deposit and loan rates. In doing so, for the liabilities’ side, we differentiate between open and term deposits, as well as between households and non-financial corporates. Our results indicate that for term deposits the long-term pass through rate is very high, exceeding 91% for non-financial corporate customers and 81% for households. For open deposits, the pass through rate dynamics appear less prevalent, amounting to 21% for non-financial corporate customers and 16% for households. When exploring the pass through rate dynamics in the assets’ side of the banks, we observe full long-term pass-through of money market rates, for mortgage and consumer loans. By contrast, the non-financial corporate loans rate is stickier and less reactive to money market rates changes, with long-term pass-through adjustment being approximately equal to 40%. Furthermore, our results provide evidence that the Greek sovereign spread movement has practically negligible pass through rate both for loan and deposit products. In particular, it hardly affects the pricing of new term deposits, with a pass through rate of around 5%. This finding can be attributed, among others factors, to the fact that the Greek sovereign credit spread has approached several times non-tradable territories, which makes it an insignificant variable in determining customer rates.

Improving company communication activity amidst the СOVID-19 restrictions

This study aimed to consider the essence and significance of the company communication activities and identify modern communications tools amidst the COVID-19 quarantine restrictions. The study object is the Like Center LLC communication activity. In the study frameworks, the company organizational structure, the staff list, and the job responsibilities were analyzed. Besides, the SWOT analysis was conducted to disclose the company organization’s activities features. The authors examined the company’s competitive environment using the 4P concept, which allowed identifying the company’s main advantages and searches for solutions to existing problems in the communication activities. The methodology basis involved graphic and structural analysis, logical generalization to substantiate the goals, target audience, and communication strategy of Like Center LLC. The findings allowed developing the suggestions for forming a communication program of Like Center LLC under quarantine the COVID-19 restrictions. The authors emphasized the necessity to implement innovative communication tools for LLC «Like Center» such as 1) creating a chatbot, 2) launching a YouTube channel, 3) introducing educational activities (conferences and training on business education). In the study, the authors determined the main functions of the chatbot. The example of training for regular corporate customers was demonstrated. The feature of this training was using a smartphone as an assistant for quick access to information, control and register customers, a tool for evaluating the company efficiency, and a device for creating activities. After training, the clients could realize the received knowledge and skills into practice. The study proposed the topics for online conferences, determined the target audience. In the study, the authors suggested the YouTube channel action plan to expand the target audience. The obtained results indicated the possible prospects and the company’s efficiency through improving the company communication system.

Exploring Factors in Determining E-Banking Adoption Among Bruneian Corporate Customers

The purpose of this chapter is to investigate the significant factors that contribute towards the adoption and use of e-banking in Brunei. The study focuses on 150 corporate customers of major banks in Brunei Darussalam to explore the behavioral intent of the corporate customers toward e-banking through their attitudes. The conceptual framework was developed through theory of planned behavior (TPB) to understand the intention towards using e-banking. The data was analyzed using SPSS version 21 and PLS smart graph suggests that customers' attitudes toward e-banking is a significant predictor of behavioral intention whereas subjective norms and perceived behavioral control remained insignificant. The model has good parsimony with 52% of the total variance in intention is shared by these independent variables. However, use of e-banking was further supported by the behavioral intention. Based upon conclusion, the study provides the practical implications both for the management and researchers.

Perceived quality and loyalty in service operations: a study in banking segment’s corporate person division

abstract: This study aims to verify the relationship between perceived service quality and loyalty among corporate customers of a bank located in the southern region of Brazil. Two research stages were developed, one qualitative exploratory and the other quantitative descriptive. The qualitative stage aimed to collect managers’ and customers’ perceptions about the bank services. This stage has been developed through semi-structured in-depth interviews, which provided input to improve the collection instrument applied in the quantitative stage. A survey with 48 questions was applied to 129 customers, based on SERVPERF service quality scale, Santos’ loyalty scale (2001) and questions added from qualitative stage. The qualitative stage has contributed with a proposal of scale adapted to the current context of the banking sector, corporate customers . In the quantitative stage, through multiple regression analysis, we have identified that empathy, safety and response factors, in descending order of importance, have had a greater impact on loyalty, with a power of explanation of 62%. Additionally, through ANOVA, the results allow us to conclude that means are higher among customers with a longer relationship with the bank, among customers who operate with credit and who have the bank as the main financial institution in terms of investments.

The Effect of Information Technology on Retailer Satisfaction Through Supply Chain Management Practices and Retailer-Distributor Relationship in Modern Retailer Surabaya

Supply chain management is vital for manufacturing companies in connecting suppliers, manufacturers, distributors, and corporate customers. The company's products will enter the company's distribution system through distributors, retailers, and end customers. This study examines how to enhance retailer satisfaction by taking into account the application of information technology, supply chain management practices, and retailer-distributor relationships. This study surveyed 86 modern retailers using a five-point Likert scale questionnaire. Data processing used PLS. The results showed that the information technology significantly improves the retailer-distributor relationships with a coefficient of 0.303. Also, information technology affects supply chain management practices with a coefficient of 0.527. Information technology has an effect of 0.281 on retailer satisfaction. The company implementing supply chain management practice improves the retailer-distributor relationship by 0.518, and supply chain management practice affects retailer satisfaction by 0.291. The results also showed that the retailer-distributor relationship affects retailer satisfaction by 0.358. This research provides an insight for the practitioner on how to improve the retailer satisfaction. This paper also contributes to the ongoing research in the field of supply chain management.

The Effect of Financial Regulation on Reputation

Recent high profile breaches of regulation by prominent UK financial institutions suggest that self-regulation is ineffective. Intuitively, regulatory breaches should result in a tarnished reputation, but that conjecture is unsubstantiated. With objective measurement of reputation, we demonstrate that reputational damage is not a significant deterrent against regulatory breaches. Imposing regulatory fines is also no deterrent. We speculate that customers are prepared to tolerate large regulatory breaches: retail customers provided they are not affected personally, and corporate customers as long as investments do not devalue. Regulation has not previously been linked to reputation, and this result is significant because it adds to the argument that external regulation remains necessary. Note is also made of recent unsuccessful initiatives on self-regulation.