While the 2008 financial crisis has come and gone, its effects on the global financial sector still show. Globalisation has since changed the way that banks do business, and increased competitiveness and with it the level of risk within the international banking community. Therefore, because of these prolonged effects of the financial crisis and the rise in the level of risk in banking, regulators deemed it fit to make the global financial sector safer and sounder. As a result, the BASEL III Capital Accord was introduced with tighter capital adequacy and liquidity ratio requirements; as well as also introducing the leverage ratio. In this paper, through the study of the rules and regulations on banks in South Africa, Brazil and China, it was discovered that all three countries have since begun the implementation of the new Accord as from January 2013. While preparatory measures may be different, there is a general sense of regulatory alignment among the three countries. By analysing the capital adequacy, liquidity and leverage ratios of the three countries, it was also established that these ratios are interconnected, with the capital adequacy ratio being the most important one. The study concludes that, with proper implementation of these ratios and effective management, countries implementing the BASEL III regulations would be in a stronger position to achieve soundness in their banking systems. / Gutu, Taurai Fortunate

published_or_final_version / Economics and Finance / Doctoral / Doctor of Philosophy

M.Com. (Business Economics) / By paying more attention to the risks associated with funding, banks will be able to fund themselves more effectively. Of especial importance are liquidity and interest rate risk because of the perceived trade-off that exists between them. This complicates the funding of a bank. To manage the liquidity and interest rate risks effectively requires a comprehensive analysis to ensure that they are properly understood. The causes, origins, inter-relationships with other risks and the measurement of risk are investigated thoroughly. The management of these risks is then examined. With regard to risk management, it is especially important not to focus on anyone risk in isolation, but to manage the multiple risk profile bearing in mind their interrelationships. All the risks a bank is exposed to are ultimately reflected in capital risk. Stringent capital requirements are imposed upon banks and these are being phased in over the period to 1995. Consequently capital risk is also investigated. The relationship that exists between liquidity risk and interest rate risk is investigated. Ways and means to separate these two risks are examined to try and manage them separately. In this way each of these two risks can be managed within acceptable norms. To achieve this goal, the use of the traditional funding instruments, modified funding instruments and derivatives are examined. Each of these are investigated and applied to the funding of a bank. The yield curve is investigated as one of the ways to explain the term structure of interest rates. The different types of yield curves and the meaning of each are dealt with. Thereafter the use of yield curve analyses in forecasting interest rates is assessed with a view to formulating an optimal funding strategy. An asset and liability model was used during the analysis of liquidity risk, interest rate risk and the yield curve.

A research report submitted to the Faculty of Law, Commerce and Management, University of the Witwatersrand, in 50% fulfilment of the requirements for the degree of Master of Management( in the field of Security) / Bank Alpha is one of the commercial banks operating in Botswana. Despite the generally favourable business environment, it was the only bank which experienced a gradually eroding capital base. This state had been prevailing for over five years since 2011. It led to the regulator intervening on two separate occasions to bring stability. The bank also suffered the highest staff turnover and disgruntled customers who faced stiff withdrawal limits. This study sought to investigate the leadership and governance challenges faced by the bank. It examined how they contributed to the current state and what could be done to mitigate the situation. The study used the contingency leadership theory following the balance score card (BSC) framework to investigate and analyse the events. The results point to the lack of business strategy and communication plan. These led to cross purpose departmental strategy and also a directive leadership approach. / GR2018

by Yung Kin Man. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1980. / Bibliography: leaf 50.

Thesis (Ph. D.)--University of Washington, 2004. / Vita. Includes bibliographical references (leaves 119-126).

Thesis (M.B.A.)--University of Hong Kong, 1987.

published_or_final_version / Economics and Finance / Doctoral / Doctor of Philosophy

Not available / text

This thesis examines the link between the top management group and company financial performance in Australian banks, and identifies some of the most important demographic characteristics involved in the relationship. A number of scholars have studied the link between the top management group’s demographic characteristics and various organisational outcomes, such as financial performance, diversification strategy, competitive moves, strategic conformity and persistence and organisational innovation (Bantel and Jackson, 1989; Finkelstein and Hambrick, 1990; Hambrick and D’Aveni 1992, Hambrick, Cho and Chen, 1996; Wiersema and Bantel, 1992). This research is different from previous studies of top management group effectiveness because it combines several methodological features found separately in these studies. The present study uses an inclusive, self nominated, definition of the top management group and a systematic, conceptual approach for selecting the demographic characteristics used to describe the top group. It also collects longitudinal data directly from the field, and is one of few studies of top management effectiveness conducted on organisations outside the USA. (For complete abstract open document)