Search results for " bank"
showing 10 items of 502 documents
Bank Lending in Project Finance: The New Regulatory Capital Framework
2012
The paper aims to examine the new regulatory framework of project finance in the economics of banking firms. In particular, the paper investigates the uniqueness of the project finance, the significant importance of the project finance in bank activity, and the role of the new bank capital requirements to promote the innovative financial scheme. In the project finance business loans terms and characteristics are primarily based on the assets and quality of the project to be financed. It means that the usual bank rating models for lending business might not been implemented in the project finance lending. Quantitative estimates of credit risk could not be always possible in project finance l…
Notice of Retraction Managing banks' asset and loan portfolios
2011
Given the important role of the banking system in redistributing resources in the economy, a stable banking system is absolutely essential for sustainable development. This paper describes the dynamics of the volume and profitability of assets in Latvian banking system and develops a rating system to evaluate these indicators. After the empirical analysis, it discusses management strategies that Latvian commercial banks can follow to improve their quality of assets in the future.
Banking Risk Management – RCB Strategy
2013
Abstract Risk can have a significant impact on a credit institution, both as an influence that is felt in recorded direct losses, and an influence whose effects are felt on customers, staff, business partners and even the bank authority. Banking risks are those risks that banks face in implementing current operations and not only specific risks of traditional banking. Bank risk is the degree of loss suffered by a bank where the counterparty (the client) bankrupts without being able to pay its obligations to the bank. Given the experience, banks agree that the most important cause of losses was the excessive concentration of risk on a customer, industry or economic sector, a country. It is i…
The World Bank's Early Reflections On Development: A Development Institution Or A Bank?
2008
Until the late 1960s, the World Bank presented itself as an institution devoted to making sound and directly productive project loans. Yet, during its early years, discussions took place within the Bank regarding the possibility of issuing different types of loans, namely (i) loans aimed at tackling social issues (‘social loans’), and (ii) loans aimed at providing foreign currency to address disequilibria in the balance of payments (‘impact loans’). This paper brings together historical analysis and theories of organization development to study the housing issue as a case in point. The analysis reveals that the Bank was unwilling to lend for housing programmes not because these were not sou…
L’integrazione dei Musulmani in Europa e la circolazione della banca e della finanza islamica (Integration of Muslims in Europe and Circulation of Is…
2018
Italian Abstract: Lo stabilizzarsi di comunita islamiche all'interno dell'Unione Europea impone l'attenzione sulle peculiarita legate alla realta islamica. Lo “spazio della sharī'a”, infatti, lungi dal confinarsi nel medio oriente si estende all'Unione Europea attraverso i luoghi di lavoro, le scuole, gli ospedali, i tribunali e i mercati. All’espansione dei modelli normativi islamici hanno contribuito, in particolare, le politiche di “ristrutturazione” dell'ordinamento islamico degli anni '80 del secolo scorso e l'intensificarsi dei flussi migratori a partire degli anni '90, creando un terreno fertile al dispiegarsi delle potenzialita della sharī'a a livello transnazionale, offrendo a sogg…
Project finance in the energy industry: new debt-based financing models
2012
The paper aims to examine the development of new financing models for project finance to attract private investors to finance large European energy infrastructure projects. In particular, the paper investigates the uniqueness of the project finance as a rapidly growing field in finance, the financial characteristics of the project bond market as one of the vehicles for funding energy projects, and the role of the credit support provided by the European Investment Bank and the European Union to promote the bond-based financing schemes. The paper is organized as follows. Section 1 provides a general description of project finance. Section 2 identifies the economic reasons for using project fi…
The development of mobile banking services in a large Finnish financial organization
2018
The chapter, based on an ongoing qualitative study, provides answers to the following questions: what are the case organizations’ rationales in developing mobile banking services? how are customer perspectives considered in developing them? and what are the implications of digitalization and m-banking for the bank and the client? Based on the findings, m-banking is seen to allow ubiquitous availability and efficiency of service provision, offering a sound rationale for their development. The flipside is that digital and m-banking services dilute the human interaction, which challenges the rationale of improving the customer experience. The service development follows the software industry m…
Sustainable and Conventional Banking in Europe
2020
At the end of the 20th century a new banking model, the so-called ethical banking, emerged becoming the maximum exponent of a socially responsible investment. The financial crisis in 2008 led to a distrust of the conventional financial system and consequently investors began to look with interest this new banking, which only invests in ethical activities and products, with social and environmental criteria, total transparency and a democratic management. The aim of this article is to analyze the economic structure of ethical banking, compared to that of conventional banking, by paying attention to its liquidity, coverage and solvency. Specifically, We compare the financial statements of Tri…
Microcredit as a tool for combating financial exclusion in Italy: the differences on a regional and local level
2016
This paper proposes a mapping of microcredit (social and productive) in the period from 2005 to 2013 in three main Italian regions. Later we offer a description of the micro-credit initiatives promoted by cooperative credit banks trying to take advantage of any differences in the initiatives promoted by other types of operators in terms of default rates of loans. The differences will be commented on the basis of the distinctive features of this category of these relationship banks in order to identify a possible way of development of microcredit in Italy
Banca ética y banca cooperativa. Un análisis comparativo a través del estudio de Caixa Popular y de Fiare Banca Ética
2017
Los bancos sociales representan en la actualidad una alternativa a la banca convencional, sobre todo para aquellos clientes que demandan un consumo socialmente responsable. La banca social está formada por dos tipos diferentes de entidades de crédito: los bancos cooperativos y los bancos éticos. Los primeros desarrollan su actividad desde hace ya más de un siglo a través de un modelo de banca de proximidad enfocada al territorio. Los segundos llevan tres décadas aproximadamente de funcionamiento, dirigiéndose a la realización de inversiones socialmente responsables (proyectos sociales y medioambientales). En el presente trabajo se analizan las similitudes y diferencias entre ambos modelos d…