This book examines impact of e-banking on the performance of banks operating to maximize profit. It covers adoption, acceptance and risks of adopting internet banking. The books also covers e-banking profit maximization theory developed by the author through empirical research on Nigerian Commercial Banks, using empirical data obtained for 12 years. Cost and revenue implications of adopting e-banking is addressed in this book.4850 Руб.
In 1992, the Reserve Bank of India launched banking sector reforms in India to create a more profitable, efficient, and sound banking system.The reforms include the competition enhancing reforms, reforms enhancing role of market forces, prudential reforms, supervisory reforms, institutional and legal reforms, reforms related to the customer service in banks, technological reforms, and the payment and settlement systems reforms.In the context of these banking sector reforms, the present book attempts to discuss the banking sector reforms in India and to analyze and compare the financial performance of commercial banks in India on various aspects such as profitability, liquidity, capital adequacy, assets quality, and off-balance sheet strength in post reforms era. Moreover, it also attempts to extract the financial ratios which significantly predict the financial performance of commercial banks.The book should be especially useful to banking officials, researchers in the area of banking and finance, stakeholders of commercial banks, or anyone else who is interested in understanding the dynamics of financial performance analysis.7678 Руб.
The financial performance of scheduled commercial banks in general and the Bank of India in particular is the focal theme of the present investigation. For this purpose, the study has been started from the basic things like definition and meaning of a bank, history of evolution of banking, important milestones in the growth of Indian banking, classification of banks, various committees worked on banking industry, structure and functions of the banking industry and the like, are examined in detail. Later the study has focused exclusively on the basic information on the Bank of India as it stood on the forefront of development.. In contrast, the present study focuses its attention on the financial performance of public sector banks in general and Bank of India in particular. The study, instead of taking a large number of parameters took only financial parameters to evaluate the efficiency of banks.8432 Руб.
SACCOs operate in financial service industry where today competition for customers is particularly fierce. Therefore this study sought to investigate how competition has impacted on the savings and credit cooperatives financial performance since the liberalization from 2003to2008 when cooperatives were set free to run their own affairs. The study adopted survey technique design with a target population selected from SACCO members and management staffs. Data was collected by the questionnaires which were administered to the respondents. The study used descriptive and inferential statistics to analyse the collected data, which were presented in tables of frequency distributions and figures. The study revealed that Mwalimu SACCO had not been grossly affected by the loans offered by the commercial banks. However, loans granted by the SACCO significantly reduced between the year 2004/2005. This shift did not reflect a proportional change in SACCO share capital.The individuals have benefited from the competition, the study revealed that, Mwalimu SACCO members had benefited a lot as a result of the on-going competition between commercial banks and SACCOs.4763 Руб.
Information Technology and banking performance is one of the most exciting areas of research that has been the focus of intense interest throughout the globe over the decades, but little has been devoted to examine the impact of IT on the profitability of African banks, specially in sub Sahara countries. This empirical study examines the impact of IT investment on the profitability of Ethiopia banking sector along with other bank specific profit determinants. It should be known that In Ethiopian banking sector the context for making IT investment decisions has been altered in the recent years. Currently modern banking services such as ATM services, Mobile banking, Internet and SMS banking are increasingly becoming available. With respect to profitability, Ethiopian banking is booming. Financial results for the 2010 fiscal year show an industry enjoying high growth, high profits, and high dividends. Their profits were up 45 percent and shareholders (at banks open for more than a year) received an average return of 27 percent on their investments.3581 Руб.
This paper is analyzing the financial performance of selected Commercial Banks in Malaysia during the period of 2004-2008, during the financial crisis. It examines the impact of financial crisis to banks financial performance by employing the financial ratio analysis. The results indicate that that the selected commercial banks does not affected much by the financial crisis, it can be prove by finding results shows a significantly increase in the financial performance of commercial banks in Malaysia occurred during world economic turbulence. The paper is important to analyze the performances of commercial bank in Malaysia because the commercial banks are lending of economic growth in Malaysia. Thus the financial performances of commercial banks are positively reflected by the economic changes for the previous economic downturn but in the case of commercial banks in Malaysia, they are a slightly different. It shows that the financial crisis does not hit much to banking sector. This is proved by the statement issued by The Association of Banks in Malaysia (ABM) said that Malaysia’s banking sector remains strong and well capitalized despite the turmoil in the global financial markets.4763 Руб.
This paper investigates the determinants of Ethiopian banks performance considering bank specific and external variables on selected banks’ profitability for the 1990-2012 periods. The empirical investigation uses the accounting measure Return on Assets (ROA) to represent Banks’ performance. The study finds that bank specific variables by large explain the variation in profitability. High performance is related to the ability of banks to control their credit risk, diversify their income sources by incorporating non-traditional banking services and control their overhead expenses. In addition, the paper finds that bank’s capital and liquidity status are not significant to affect the performance of banks. On the other hand, the paper finds that bank size and macro-economic variables such real GDP growth rates have no significant impact on banks’ profitability. However, the inflation rate is determined to be significant driver to the performance of the Ethiopian commercial banks3581 Руб.
Commercial banks are widely recognized as financial institutions that mobilize, allocate, and invest much of every economy savings. Conversely, their activities have substantive repercussions on capital allocation, firm growth, industrial expansion, and economic development. In recent years, the consolidation of banks around the globe has intensified public debates on the influences of market concentration on banking performance. In Nigeria, the CBN 2005 consolidation policy and recapitalization policy as well as post-consolidation reforms have not only led to reduction in the numbers of commercial banks but has also ensured re-alignment of market shares from the “traditional big three” and banking quality. Thus, its implication over banking performance was examined using ten commercial banks listed on the Nigerian Stock Exchange market within the period of 1998-2010. It was observed that the industry is static and collusive in nature, mainly driven by minimum capital base and not service rendered and/or technological innovation, which have led to low rate of entry and high exit. The study provides policy implications based on the outcomes that could move the industry forward.3581 Руб.
My research work is based on phenomenon of privatization adopted by commercial banks in Pakistan to increase their efficiency. The key idea of this study is to vitally examine the impacts of privatization on profitability of commercial banks. The study is based on the performance of relevant variables before and after privatization. Methodology employed here is OLS regression model for which data has been gathered from financial statements of selected banks. Findings show that privatization brought important changes in financial institutions and also has positive impacts on profitability of commercial banks. Privatization has drastically changed the working of today's organizations and is being used both by developed & developing countries for achievement of better performance.4763 Руб.
Sound financial strength of a bank is the assurance & guarantee, not only to its depositors but is equally important for the shareholders, employees, stockholders and for the entire economy as well. Efforts have been made, from time to time, to evaluate the financial position of each bank to manage it efficiently and successfully. In this study, an effort has been made to assess the financial performance of the two major banking sectors i.e. Commercial banking sector and Islamic banking sector, operating in Pakistan. This assessment has been done by using CAMEL Parameters, which are Capital adequacy, Asset quality, Management capability, Earnings & profitability and Liquidity. CAMEL model is the most recent model of financial analysis. The objective of this research was to know about the financial health of the commercial banks vs. Islamic banks of Pakistan in the last 3 years (2007-09), to investigate and examine the financial performance of the banks under study, to carry out those factors which have led to the present financial performance and to propose measures, on the basis of the results of the study, to improve further the financial performance of the banks.6609 Руб.
Corporate Governance is the relationship among various participants in determining the direction and performance of corporations. The book focused the prevailing status of banking governance in Nepal. The study has been especially focusing the Corporate Governance practices and its impact in the following ways: That what is the present scenario of Corporate Governance compliance position of Commercial Banks? Is there any empirical relationship between Ownership concentrations , Board Size , Board Composition, Role Duality , Board Compensation , CEO compensation , and role of Public Directors on Earning per Share , Return on Assets , Return on Equity , and Tobin’s Q ratio ?. The present study seeks to examine and analyze the Corporate Governance practices of the Commercial Banks and their impact on the financial performance. The study directly focused the bankers and common investors in Nepal regarding the governance practices to maintain good governance status of their entity. The study has been divided into nine sections8738 Руб.
Banking is a catalyst in the development and growth of any economy. Regulatory initiatives have suppressed the augmentation of growth of banking sector for many years. LPG has released the spring which led to buoyance in the growth of banking beyond expectations in size, scale, operations and contribution to the economy. Today banks are piercing into the business with the use of cutting edge technologies and human capital. Indian banks stood on par with international banks in relation to customer service and profitability. The study has analyzed the impact of financial sector reforms on the banking sector taking important dimensions like profitability, operational performance, capitalization, adhering to norms and contribution of human capital. Use of growth rates, correlation, ANOVA, Multiple Regression Analysis and Discriminant Analysis of profitability is rich that added good strength to the data analysis. The book will be useful to bankers, policy makers, Government, researchers and academicians in the field of banking and accounting considering the quality of analysis and information.7678 Руб.
The performance evaluation of Islamic commercial banks compared to conventional banks after the financial crisis is very crucial in order to assess their survival. Although the conventional banks still dominate the market share but sharia banks are expected to grow in the next 5-10 years by 10 percent. This study evaluates the interbank performance of Islamic commercial banks from 1999-2004 or after the financial crisis vis-a-vis interest based conventional banks in Indonesia. The performance of shariah banks have reached considerable standard in implementing their role as financial intermediaries in Indonesia. The Islamic interbank study found that Bank Muamalat Indonesia performed better in terms of profitability and liquidity. Meanwhile there is no significant difference in performance between Islamic commercial banks and conventional banks in Indonesia.The analysis should help shed some light on real performance of national banking industry in Indonesia after the financial crisis and should be especially useful to banking practitioners, policy makers as well as academicians.4763 Руб.
Performance Evaluation is one of the key features of any organization. Financial analysis is usually carried out to study the financial position of the company from the point of view of Shareholders, Debenture Holders, Customers, etc. The book has been written in accordance with the requirements of Students pursuing Masters or any research degree in the field of Commerce, Management or Banking Sector. This book is specifically for Researcher who wants to carry in depth research in the CAMEL approach. Present book is based on selected Indian Banks from Public, Private and Foreign sector banks. The book is divided into 5 chapters’ viz. Overview of Indian Banking Industry, Conceptual Framework of CAMEL Approach, Research Methodology, Analysis of Financial CAMEL Ratios and Findings and Conclusion.5735 Руб.
The dawn of a new age of software development is coming. This research work is based on the automated softwares which are used by banks in Pakistan. The most common automated software in banking is E-banking in which customers can access more accurate, quicker and rapid banking services from the computerized banking system. This system has also been adopted by the international banks as well as by the local banks in Pakistan to give efficient services to their elite customers. The purpose of this research work is to know that whether the bank’s profits are dependent upon the type of automated software. The information collect to complete the thesis is only based on questionnaire. I introduce the work of automation and its importance in gaining profits. This technology really has drastically changed the working of today’s organizations and is being used both by developed and developing countries for performance improvements.4763 Руб.
Indian banking sector, which withstood the turmoil of the global financial crisis during 2008-09, started showing some signs of stress during the subsequent period. Performance of Indian banks during the post-crisis period was conditioned to a large extent by fragile recovery of the global financial markets as well as a challenging operational environment on the domestic front, with high inflation and muted growth performance. Bank lending was the principal focus of monetary policy under the credit planning approach adopted in 1967-’68. However, in the wake of banking sector reforms, various restrictions on banks’ balance sheet were withdrawn and direct credit controls largely dismantled, though in a phased manner. Directed investments were also reduced to a significant extent. The system of administered lending rates was also dismantled and various other restrictions on banks’ lending were gradually removed in order to enable banks to operate in a flexible manner. This leads to a structural transformation in the lending and investment operations of the banks. In this backdrop, the researcher has undertaken the research work on “A Study on Advances by Scheduled Commercial Banks”.8738 Руб.