Search results for "BANKING"
showing 10 items of 282 documents
Impacts of sovereign risk premium on bank profitability: Evidence from euro area
2021
We analyse the effects of low and negative interest rates and sovereign risk premium on bank profitability among 154 Eurozone banks during the period 2005–2019. In contrast to some of the results in the previous literature, we find that the euro area banks have not suffered too much from the extremely low and negative interest rate era regarding their net interest margins. However, the overall profitability has lowered clearly during the sample period, and the sovereign risk premium has a robust negative effect on all the overall profitability measures, both with risk-adjustment and without it, but it seems to have an increasing effect on the degree of wholesale funding and loan loss provis…
Revisiting bank failure in the United States: a fuzzy-set analysis
2020
Past financial crises have illustrated the importance of recognising the combinations of factors that can cause financial distress in the banking industry. Accordingly, this study uses fuzzy-set qualitative comparative analysis (fsQCA) to identify the combinations of factors that lead to bank failure. The data consist of 30 annual financial ratio series for 156 U.S. banks over a 15-year period (2001–2015). Identifying combinations of conditions that can produce bank failure is crucial to help regulators and bank managers. The fsQCA presented in this paper sheds light on the relationships between combinations of conditions and bank failure, providing a solution comprising two sufficient and …
Ethical Banking and Conventional Banking. Triodos Bank vs Banco Santander
2019
La crisis financiera de 2008 ha provocado cambios en la estructura bancaria tradicional, generando una desconfianza por parte de los ciudadanos con el sistema financiero tradicional, como consecuencia de ello ha surgido otro tipo de banca, la Banca Ética. El objetivo de este trabajo es estudiar si la Banca Ética puede llegar a ser igual de rentable que la Banca Tradicional, invirtiendo principalmente en valores sociales. Para ello, se realiza un análisis comparativo entre la Banca Ética (Triodos Bank) y la Banca Tradicional (Banco Santander). Para alcanzar el objetivo propuesto se realiza un análisis económico centrado en la actividad financiera de ambas tipologías de bancos durante el perí…
Responsabilidad social empresarial en banca. Su aplicación al caso de la banca cooperativa
2018
El concepto de RSE y las dimensiones que lo componen vienen determinados por las características particulares de las empresas en cada industria o sector económico en el que operan. Esto es así por cuanto la definición de la RSE y su aplicación está condicionada a la operatividad, medición e implantación en el contexto en el cual se lleva a cabo. Por este motivo, para analizar el comportamiento de la RSE en la banca cooperativa, que es el objetivo del presente trabajo, es importante realizar un estudio sobre las implicaciones y las particularidades de ésta en el sector bancario, es decir, en el conjunto de las denominadas entidades de crédito. Los bancos cooperativos, más conocidos en España…
Faktori, kas ietekmē konkurētspēju starp elektroniskās naudas iestādēm Eiropas Savienībā
2020
FAKTORI, KAS IETEKMĒ KONKURĒTSPĒJU STARP ELEKTRONISKĀS NAUDAS IESTĀDĒM EIROPAS SAVIENĪBĀ
Elektronisko norēķinu attīstības analīze
2016
Pasaulē šobrīd elektronisko norēķinu veidi ir plaši pieejami, arī Latvijas bankas aktīvi izplata elektronisko norēķinu palīgrīkus, piedāvājot internetbankas un maksājuma karšu komplektus. Darba autors noskaidro Latvijas elektrisko norēķinu tirgus gatavību pāriet no skaidrās naudas maksājumiem uz elektroniskiem norēķiniem, analizē elektronisko norēķinu attīstības tendences. Autors vispirms aplūko elektronisko norēķinu vēsturisko pusi. Pievērš uzmanību spēkā esošo likumu normatīviem regulējumiem. Veic elektronisko norēķinu tirgus analīzi, atklāj nākotnes attīstības tendences. Sniedz informāciju par elektronisko norēķinu riskiem, norēķinu drošības un risku novēršanas pasākumiem Uz darba gaitā …
The impact of multinational banking on domestic banking
2006
Post-Keynesians have made endogenous money a central argument in their theory of output. Indeed, production cannot be undertaken if access to finance, usually meaning bank credit, does not exist. Such access is needed if wages are to be paid, and inputs of production purchased. In a monetary economy, therefore, money is created at the demand of borrowers, supplied by banks.
Credit reporting e intermediazione creditizia: scelte di “make or buy” tra relationship e transaction banking.
2016
Il presente lavoro prende in esame, con una prospettiva di analisi economico-aziendale, il ruolo del mercato del credit reporting nell’esercizio della funzione creditizia delle banche, nonche il vario articolarsi delle scelte di make-or-buy informativo nella catena del valore dell’intermediazione creditizia, tra approcci di relazione di clientela di tipo relationship banking e transaction banking. In particolare, il lavoro e volto a sistematizzare le teorie ed a comprendere le determinanti del ricorso delle banche al mercato dell’informazione creditizia. Il paper e strutturato nel modo seguente. La sezione 2 introduce il tema dell’economia dell’informazione nel mercato creditizio. La sezion…
Model for Evolution of a Vertical Software Industry
2009
The interaction of the primary and secondary software industries appears to follow a common pattern, which has been described in the model for evolution of a vertical software industry (Tyrvainen et al. 2008). The evolution is seen as iterating through several phases, shown in Fig. 1 and described below.
Banks Digitalization - A Challenge for the Romanian Banking Sector
2019
Abstract The banking system has undergone several transformations since its beginning up to now, some as a result of adapting to customers’ requirements that have become increasingly sophisticated, and others as a result of the economic and political contexts that have passed, which again – have required its adaptation. Regardless of the situation, the banks have undergone a large digitization process, a process that is now in progress and which in the coming years can cause a significant change in the banking we knew about 10-15 years ago. Through this paper, I propose to analyse the situation of the banking system in terms of adapting to these challenges, at the level of Romania, in the c…