Search results for "BANKING"
showing 10 items of 282 documents
L'inclusione finanziaria come strumento di cittadinanza degli immigrati
2021
La actual crisis económica, producto de la propagación del COVID-19, que provocó el bloqueo de cadenas productivas enteras, replantea dramáticamente el tema de la inclusión financiera de personas en condiciones de vulnerabilidad económica y social, como los inmigrantes. El fenómeno de la inclusión financiera de los inmigrantes, en general, tiene un carácter multidimensional, estando vinculado a factores sociales, culturales, lingüísticos y religiosos. La definición de inclusión financiera postula una definición previa de la otra cara de la moneda, que es la exclusión financiera, que tiene una estrecha relación con la exclusión social, siendo una la causa de la otra, en una especie de círcul…
Theory and regulation of liquidity risk management in banking
2016
Liquidity risk is now more important than it used to be in the past. The financial crisis has emphasised the importance of liquidity risk to the functioning of banking and financial system. The paper presents a theoretical and regulatory investigation of two types of liquidity risk: funding liquidity risk and market liquidity risk. The paper analyses the different approaches to measure the impact of funding and market liquidity risk in the economics and management of banks. The paper provides also an analysis of the organisational implications of the asset and liability management perspective of liquidity risk. Liquidity risk does not need to be covered by equity but by an adequate volume o…
THE ANALYSIS OF THE ROMANIAN BANKING SYSTEM EVOLUTION IN THE IMPORTANT MILESTONES FROM ITS HISTORY
2014
One of the national systems most often marked by various internal and international macroeconomic evolutions over time was the banking system. In this paper I intend to analyze the main developments of the banking system in the outstanding moments in its history, starting with a brief characterization of the banking system before 1990, moving then towards an analysis of the developments recorded in the watershed years (1992, 1998, 2007) and getting to the current situation using several representative indicators. This analysis allows me to place in historical and current coordinates, the subject of a more extensive research aimed at highlighting the impact that Basel III will have on Romani…
Money, "finance" and interest
1993
The purpose of this paper is to show that there is no such thing as a pure money interest in the usual meaning of the phrase, that is, interest bearing on pure bank money. Basically, money cannot bear interest because it is not a net asset. This does not however imply that banks cannot charge interest on liquidities they have created. The concept of "finance" brings to light the process through which a liquid capital owned by the banks is formed in the economy. It then becomes clearer that what is commonly called "money interest" paid to banks is in fact a macroeconomic cost of production and therefore a net asset for the whole of the economy, including the banks.
Recent Developments in the Finnish Banking Sector
2000
In this paper we discuss recent developments in the Finnish banking sector. Our specific aim is to examine whether and to what extent recent developments in Finland are broadly in line with the trends common to banking sectors in Europe and also worldwide. We focus on developments in banks' profit and loss accounts, balance sheets and the market structure of the banking sector. In addition, technological developments are surveyed. As regards consolidation, the Finnish banking sector is a trendsetter. The emphasis in structural development has moved to cross-border banking and bank assurance. On the other hand, it turns out that it is difficult to track some of the trends that are believed t…
Finanšu pakalpojumu raksturojums SEB bankā
2016
Bakalaura darba tēma ir „Finanšu pakalpojumu raksturojums A/S SEB bankā”. Bakalaura darba mērķis ir izanalizēt SEB bankas produktu klāstu un sniegt priekšlikumus tā pilnveidošanai. Darba pirmajā nodaļā autore apskata SEB bankas vēsturisko attīstību, bankas pakalpojuma jēdzienu un SEB bankas piedāvāto pakalpojumu klāstu. Otrajā nodaļā tiek analizēti SEB bankas norēķinu produkti, noguldījumu un kreditēšanas pakalpojumi, izmantojot statistiskos datus par banku produktu attīstību laika posmā no 2011. gada līdz 2015. gadam. Darba trešajā nodaļā autore apskatīja iespējamās SEB bankas produktu inovācijas perspektīvas. Darba noslēgumā autore sniedz secinājumus un priekšlikumus. Bakalaura darba apjo…
A study on The Factors Affecting Merger and Acquisition Decision In Nepalese Banking Sector
2016
Master's thesis Business Administration BE501 - University of Agder 2016 The main purpose of this study is to find out the factors that would lead to making decision regarding going for merger and acquisition among the banks in Nepalese banking sector. This thesis finds out various factors that would affect merger and acquisition decision in banking sector based upon previous studies, and tries to check whether these are significant in case of Nepalese banking sector or not. Four theories: neo-classical, agency, behavioral and resource dependency; have been taken into consideration for purpose of finding out factors affecting decision to go for merger and acquisition. Based upon the previou…
Blockchain Disrupting Fintech and the Banking System
2021
Nowadays society is profoundly changed by technology, velocity and productivity. While individuals are not yet prepared for holographic connection with banks or financial institutions, other innovative technologies have been adopted. Lately, a new world has been launched, personalized and adapted to reality. It has emerged and started to govern almost all daily activities due to the five key elements that are foundations of the technology: machine to machine (M2M), internet of things (IoT), big data, machine learning and artificial intelligence (AI). Competitive innovations are now on the market, helping with the connection between investors and borrowers—notably crowdfunding and peer-to-pe…
Holes in the Dike: The Global Savings Glut, U.S. House Prices and the Long Shadow of Banking Deregulation
2016
We explore empirically how capital inflows into the US and financial deregulation within the United States interacted in driving the run-up (and subsequent decline) in US housing prices over the period 1990-2010. To obtain an ex ante measure of financial liberalization, we focus on the history of interstate-banking deregulation during the 1980s, i.e. prior to the large net capital inflows into the US from China and other emerging economies. Our results suggest a long shadow of deregulation: in states that opened their banking markets to out-of-state banks earlier, house prices were more sensitive to capital inflows. We provide evidence that global imbalances were a major positive funding sh…
Risk Management Era in European Credit Institutions: Predictable Mutation in XXI Century
2014
Abstract In the market economy, globalization, liberalization and diversification of financial markets, fierce competition between the credit institutions and many of the products and services offered by them are the main factors that have exposed the banking sector to new risks, while leading to multiple challenges. For these reasons it is becoming increasingly important both permanent innovation and risk management techniques tools as well as banking performance. Only a pertinent analysis and a very good knowledge of the new tendencies in banking financial risk management can provide credit institutions in Romania efficient options on their use of management, while obtaining a higher prof…