Search results for "pankit"
showing 10 items of 56 documents
Rahoitusmarkkinainformaatio BRIC-maiden laajennetussa Taylorin säännössä
2017
Tutkielmassa tarkastellaan BRIC-maiden harjoittamaa rahapolitiikkaa vuosina 2005-2015. Tutkielman päämääränä on selvittää, ovatko keskuspankit reagoineet rahapolitiikallaan inflaation ja tuotantokuilun lisäksi myös rahoitusmarkkinainformaatioon. Aineistona on käytetty reaaliaikaista aineistoa inflaation ja tuotantokuilun osalta. Rahoitusmarkkinainformaatiolla tarkoitetaan tutkielmassa kohdemaan valuuttakurssia ja keskimääräistä osinkotuottoa. Rahapolitiikkaa on arvioitu sekä sen hetkisten että eteenpäin katsovien Taylorin sääntöjen avulla. Rahoitusmarkkinainformaation roolia on tutkittu estimoimalla erilaisia rahoitusmarkkinainformaatiolla laajennettuja Taylorin sääntöjä ja arvioimalla laaj…
Social Space for Self-Organising: An Exploratory Study of Timebanks in Finland and in the UK
2018
The article examines the challenges to self-organisation and upscaling of alternative economies from the viewpoint of defending and negotiating social space. Timebanks in Finland and the UK are presented as examples, analysing the difference of defending such social space in the contexts of a traditional welfare state (in the case of Finland) and an austerity-driven government with a “Big Society” ideology (in the case of UK). Both systems of government present different kinds of pressures on timebanks, pushing them to a given ontological categories and to action in accordance with pre-defined political goals. This difference, along with timebank reactions and the question of prospects of o…
Social Network Banking : A Case Study of 100 Leading Global Banks
2018
Social media is widely recognized as a challenging new communication technology in both economic and social contexts. The present article explores how banks have exploited this technology in the range of consumer retail banking services offered by 100 leading global banks on the three major social networking sites (SNS): Facebook, Twitter, and YouTube. Viewing social network (SN) banking as a separate delivery channel and offering a working definition of SN banking, the article shows that banks have been more cautious than other businesses in using SNS. The available services are classified on nine main dimensions: marketing, financial education and advice, information support, customer sup…
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…
Keep the faith in banking : New evidence for the effects of negative interest rates based on the case of Finnish cooperative banks
2021
This paper analyses the profitability of Finnish cooperative banks during the period of negative nominal interest rates. Contrary to expectations, the continuous decline in money market interest rates between 2009 and 2014, and the following negative rate era, did not have adverse effects on the profitability of banks at the beginning of negative interest rate period. Based on especially using a risk-adjusted measure for bank profitability, these results contrast with previous findings. In our findings, the increasing wholesale funding (WSF) ratio seems to be an important factor. However, after 2017 the banks have not been able to improve especially their risk-adjusted profitability so stro…
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…
Exploring the nexus between financial sector reforms and the emergence of digital banking culture – Evidences from a developing country
2017
Several financial and banking sector reform programs were instituted in different countries over the last three decades. The underlining purpose of these reforms was largely to improve banking sector supervision and regulation, introduce bank privatization mechanism, introduce clearance and settlement systems, infuse competition and to stimulate financial innovation. The objectives of this study are to 1) review the relevant published literature and market survey reports on the financial & banking sector reforms undertaken in Pakistan and elsewhere, 2) analyze how these reform programs develop digital banking culture and increase financial inclusion in the country and 3) guide future resear…
Hyvä ja huono johtajuus suomalaisessa pankkiorganisaatiossa
2017
Tämän tutkimuksen fokus on hyvässä ja huonossa johtajuudessa suomalaisessa pankkiorganisaatiossa. Tutkimuksen tarkoituksena on etsiä hyvän ja huonon johtajuuteen tekijöitä organisaation kolmella eri tasolla: ylimmässä johdossa, keskijohdossa ja alimmalla tasolla. Lisäksi tutkimuksen tarkoituksena oli selvittää, löytyykö organisaation eri tasoilla eroja tai yhtäläisyyksiä näkemyksistä hyvästä ja huonosta johtajuudesta. Teoreettisena viitekehys koostuu monista eri johtajuuden tunnetuista teorioista. Viitekehys on jaettu kahteen osaan: hyvän ja huonon johtajuuden teorioihin. Hyvän johtajuuden teoriat ovat johtajuuden tutkimuskentän merkittävimpiä teorioita, jotka tuovat eri näkökulmia johtajuu…
Banks’ unfairness and the vulnerability of low-income unbanked consumers
2018
This paper’s objective was to explore low-income unbanked consumers’ perceptions of bank fairness and the way these perceptions were linked to consumer experiences of vulnerability. Qualitative data were used to analyse low-income consumers’ perceptions about banks’ services and communications. The study finds that although consumers’ financial inclusion is partially hindered by their personal circumstances, the perceived unfair treatment by banks has an even more negative impact on their financial inclusion. Low-income unbanked individuals report banks avoiding them, discriminating against them and impeding their financial inclusion. Banks’ perceived unfairness towards low-income consumers…
Performance of Finnish biobanks in nationwide pulmonary carcinoid tumour research
2019
Finnish hospital-integrated biobanks administer millions of formalin-fixed paraffin-embedded tissue samples collected within the clinical diagnostics. According to the Finnish Biobank Act, these samples can be coupled with patients’ clinical follow-up data and the data retrieved from national health registries. We collected a nationwide pulmonary carcinoid tumour series from Finnish biobanks to study prognostic factors as well as to explore how the number of tumours found in the Finnish biobanks corresponds to the number of tumours registered by the Finnish Cancer Registry (FCR). Finnish biobanks identified 88% of the tumours registered by the FCR and were able to deliver 63%. The main reas…