Search results for "banking"
showing 10 items of 282 documents
Technological Districts and the Financing of Innovation: Opportunities and Challenges for Local Banks
2015
The paper deals with the role that local banks (especially credit cooperative banks) might play in financially supporting the development of technological districts and innovative firms. After introducing the concept and features of technological districts, it focuses on the relations between districts and local banks and between the adoption of innovation and local banking. The central part is an econometric exercise aimed at measuring the weight of high value financial services over the income of a sample of Italian credit cooperative banks. Taking into account the cultural, managerial and organizational requirements of local banks, the work provides insights into how this category of ban…
Finansinis stabilumas ir koncentracija: besivystančios Europos tyrimas
2016
Šiame straipsnyje tiriamas bankų sektoriaus koncentracijos poveikis finansiniam stabilumui naudojant 134 komercinių bankų iš 17 Vidurio ir Rytų Europos šalių 2007-2012 m. laikotarpio duomenis. Empirinio tyrimo rezultatai pabrėžia vadinamąją „koncentracijos trapumo“ hipotezę, parodydami, kad aukštas koncentracijos lygis bankų sektoriuje yra siejamas su didesne bankų, ypač mažesniųjų, įsipareigojimų neįvykdymo tikimybe. Taip pat parodoma, kad neigiamas koncentracijos poveikis gali būti sumažintas taikant griežtą priežiūros sistemą. Pirmiausia - griežtas oficialus bankų sektoriaus priežiūros įgaliojimas. Antra - skirtingi priimančiosios šalies ir buveinės šalies priežiūros įgaliojimai gali žym…
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…
New Tendencies of Management and Control of Operational Risk in Financial Institutions
2013
Abstract Nowadays, financial institutions highly recognize a great influence of effective risk management on profit abilities. Therefore risk management became an important part of the financial instrument. According to the latest researches, there still remain problems related to the management of various types of risks. For instance, the Basel Committee of the Bank of International Settlements imposes financial institutions for more intensive devoting their attention to operational risk management problems. Due to the increased intensity of performed financial operations, financial institutions became very vulnerable to operational risks. In many cases, the high level of operational risks…
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…
Indigent consumers’ protection at the financial services market
2016
Opracowanie stanowi próbę odpowiedzi na pytanie, czy ochrona osób niezamożnych na rynku usług finansowych powinna być realizowana odrębnie w stosunku do powszechnie obowiązujących zasad oraz jakie elementy powinna obejmować ta ochrona? Ponadto – jakie podmioty powinny jej udzielać – czy te, które już istnieją na rynku, czy inne, nowe? Problem ochrony osób niezamożnych wynika stąd, że w dużej mierze osoby te są wykluczone z rynku podstawowego (mainstream market), objętego ochroną prawną. Część osób korzysta z oferty rynku alternatywnego, czy wręcz nieformalnego. Wydaje się więc, że dodatkowa ochrona osób niezamożnych powinna być ukierunkowana na te właśnie obszary rynku usług finansowych. Th…