Diplomarbeit, Fachhochsch., Wilhelmshaven. / Includes bibliographical references (p. 146-155)

Thesis (Ph. D.)--University of Hong Kong, 2006. / Also available online.

Univ. Saarbrücken, Diss., 2005

The introduction of inflation-targeting frameworks around the world prompts the question whether Central Banks focus solely on inflation. The paper uses the Taylor rule to characterize the Namibian Monetary Policy and to see whether the Bank of Namibia considers the economy in setting the Bank rate. Based on this rule, the Bank rate follows the Taylor rule over the sample period but there are several deviations. My results point to the following: Firstly, the Bank increases the policy rate to counter rising inflation but keeps the rate constant when inflation declines. Secondly, the Bank tends to smooth their rate adjustments. Using the lags of right hand side variables, hints at the fact that past inflation is important for the Bank to adjust the policy rate. Thirdly, the Bank of Namibia seems to focus more on inflation compared to the output gap. This is confirmed by the weight allocation which seems to be larger for inflation. Finally, the inclusion of additional variables that are deemed important in setting the Bank rate, improves the overall fit. Therefore, the model could be utilized to indicate where the policy rate should be.

Orientador: José Dari Krein / Dissertação (mestrado) - Universidade Estadual de Campinas, Instituto de Economia / Made available in DSpace on 2018-08-22T23:22:37Z (GMT). No. of bitstreams: 1 Gehm_TaiseCristina_M.pdf: 2366102 bytes, checksum: be801ff7a9594b0d08ac3b35657ded43 (MD5) Previous issue date: 2013 / Resumo: A presente dissertação objetiva compreender as transformações que ocorreram no trabalho bancário, tendo como referência o Banco do Brasil. À análise começa identificando as mudanças gerais que o sistema bancário sofreu no contexto brasileiro dos anos 1990 e 2000. Alterações de estratégia dos bancos, que vieram com o aprofundamento do processo de automatização, a externalização das atividades (como a terceirização e os correspondentes bancários), a mudança da natureza do bancário como vendedor. A reorganização do trabalho também foi fortemente influenciada pelo estabelecimento de metas, que provocou alterações nas condições de trabalho, gerando relações permeadas por hostilidade. A maior pressão e intensificação impactam na saúde física e mental dos trabalhadores. O conjunto das mudanças também influenciou as relações de trabalho e o perfil dos bancários / Abstract: The present dissertation intends to understand the transformations that occurred on the bank sector. The analysis focus on Banco do Brasil identifying general changes in the bank system during the period of 1990 and 2000, in Brazil. Among the bank strategies which are important to this study we mention: the automation increasing, outsourcing, the bank workers' selling activities. The reorganization of work was strongly influenced by goals' parameters, which has been modifying working conditions. These changes have been provoking hostilities among workers' relationship, due to more pressure and working intensification. This type of environment is directly responsible on workers' physical and mental health / Mestrado / Economia Social e do Trabalho / Mestra em Desenvolvimento Econômico

The thesis assesses bank performance from two aspects: growth sustainability and the externality impact on the growth of non-financial industries. With regard to sustainability, the study considers two issues. One is financial performance with a focus on understanding what determines profitability and stability, particularly the role of market structure in generating profits. The second aspect is that of exploring what drives bank growth. Do banks grow through a competitive process or a noncompetitive one? In the context of externality, the thesis investigates whether bank competition and stability contribute to the growth of non-financial industries. The thesis starts by investigating the effects of market structure on profitability and stability using the sample data of 1929 banks from 40 countries including both emerging and advanced economies over 1999-2008. It attempts to examine which school of theories provide more explanatory power to profitability and stability in banks: the traditional structure-conduct-performance (SCP) or relative-market-power (RMP) hypotheses. The results show that a greater market share leads to higher bank profitability in favour of the RMP theory evidenced in advanced economies; however interestingly there is no evidence in support of these theories in emerging economies. Furthermore, the RMP effect appears more sustainable when compared with the SCP. This suggests that a more concentrated banking system may be more vulnerable to financial stability. Regarding the second aspect of banking sector performance, we look at an issue of competition by employing data from around 5850 banks across 49 economies during 2001-2010. We employ different industrial economics theories to estimate the degree of bank competition. The results show that bank competition varies across countries in terms of competition intensity and process. Some banks compete more intensity for efficiency and some compete less. Interestingly, all indicators show that emerging banking markets are less competitive than their counterparts in advanced economies. Furthermore, the thesis explores whether competition and stability in the banking sector can affect the growth and market structure of nonfinancial industries and hence economic growth. Empirical evidence from 23 industries for 48 emerging and advanced economies shows robustly that a more vigorously competitive and thus efficient banking sector allows financially dependent industries to grow faster through supporting small firms and new entrants that disconcentrate market structure. Policy implication is clear: competition, rather than market structure, is what we need for restructuring our banks that can help economic growth.

No description available.

>Magister Scientiae - MSc / Commercial banks play a dominant role in facilitating the economic growth of a country by acting as an intermediary between the de cit spending unit (borrowers) and the surplus spending unit (lenders). In particular, they transform short-term deposits into medium and long-term loans. Due to their important role in the economy and the nancial system as a whole, commercial banks are subject to high regulation standards in most countries. According to an international set of capital standards known as the Basel Accords, banks are required to hold a minimum level of capital as a bu er to protect their depositors and the nancial market in an event of severe unexpected losses caused by nancial risk. Moreover, government regulators aim to maintain public con dence and trust in the banking system through the use of a deposit insurance scheme (DIS). Deposit insurance (DI) has the e ect of eliminating mass withdrawals of deposits in an event of a bank failure. However, DI comes at a cost. The insuring agent is tasked with estimating a fairly priced premium that the bank should be charged for DI.

Handelsbanken har de senaste trettio åren varit den bank med högst kundnöjdhet av de svenska storbankerna och är även den enda storbank som tillämpar en decentraliserad affärsmodell. Frågeställningen för denna studie lyder därför: Vad för betydelse upplever anställda att en decentraliserad affärsmodell har för en banks kundnöjdhet? Studien genomfördes utifrån ett kvalitativt tillvägagångssätt där intervjuer med anställda inom Handelsbanken jämfördes med det teoretiska ramverk för studien som utgjorde decentralisering, contingency theory, kundnöjdhet i tjänsteföretag och digitalisering. Studien visade att decentraliseringen inom banken leder till både nöjdare och mer motiverade anställda då arbetsuppgifterna är varierande, något som i sin tur leder till nöjdare kunder. Studien visade även att decentralisering leder till en effektivare beslutsprocess, detta eftersom de anställda har befogenheten att snabbt fatta beslut åt sina kunder då en god lokal kundkännedom finns. Huruvida den decentraliserade affärsmodellen är att betrakta som Handelsbankens framgångsfaktor kan studien inte säkert fastställa. Det framgår däremot att affärsmodellen har ett flertal positiva effekter som upplevs vara av betydelse för bankens kundnöjdhet.

This thesis selects data from the financial annual report of 15 different kinds of commercial banks in China from 2016 to 2019. Meanwhile, the bank's return on total assets (ROA) and non-interest income ratio (NIIR) are considered as dependent variables and other variables are considered as the independent variables. The aim of this thesis is to examine the effect of third-party payment developments on the profitability of commercial banks and whether the effect is different due to different types of banks. At the end of the thesis, suggestions are proposed for banks to withstand risks and improve supervision. JEL Classification F12 Keywords third-party payment , commercial bank profitability, bank supervision , regression Title The impact of third-party payment on the profitability of commercial banks.