Este trabalho objetivou compreender e elucidar a aplicabilidade da noção de liderança na Gerência Média nas agências da Regional Caxias do Sul do Banco Delta, liderança esta que pode ser de pessoas, de negócios ou de processos, para os resultados da empresa. Para tanto, em um estudo de caso qualitativo, levantou-se a visão destes gerentes com relação ao mercado bancário para a necessidade de liderança (fatores do ambiente bancário que favorecem tal atitude e ainda quais os fatores que desfavorecem o exercício da liderança); como o Banco Delta apresenta a necessidade de liderança para sua Gerência Média e se existe espaço para atuação como líder, proporcionado pelo Banco ou mesmo através de sua própria iniciativa. Através de entrevistas, de pesquisa a documentos internos e de observação, procurou-se identificar situações do dia a dia que retratam a atuação desses Gerentes, bem como conhecer as condições das agências. Os questionamentos e as observações também foram dirigidos aos superiores (Gerentes Gerais) e subordinados (escriturários) do público pesquisado, haja vista que estes profissionais igualmente fazem parte deste processo de atuação da Gerência Média. Como principais resultados tem-se que as agências pesquisadas são grandes, com ótimos potenciais de negócios e um grande número de funcionários, o que indica que os setores internos necessitam de uma liderança localizada, não dependendo apenas do Gerente Geral. Os negócios acontecem nas carteiras, nos setores, e sem esta liderança o atingimento dos objetivos fica comprometido. Observou-se a existência de espaço para tal exercício, mesmo diante de alguns argumentos de demandas urgentes quanto a vendas, com desafios diários, metas pontuais na semana ou cobranças exageradas. Os perfis de cada gerente determinam o tamanho e a qualidade desta liderança. São, contudo, desfavoráveis ao exercício da liderança as mudanças repentinas de foco, com desafios “relâmpago” e cobranças “intradia”, o que retira parte do planejamento já elaborado pela agência e pelo setor. / This study aimed to understand and clarify the applicability of the concept of leadership in the Middle Management in the Caxias do Sul Regional branches of Banco Delta. This leadership might include people, businesses or processes for the results of the company. Therefore, a qualitative case study was carried out to investigate the vision of these managers regarding the banking market, the need of leadership (the banking environment factors that favor such an attitude and also which factors are against the exercise of leadership); How Banco Delta presents the need for leadership to their Middle Management; and also whether there is room for acting as a leader, provided by Banco Delta or through their own initiative. Through interviews, research of internal documents and observations, we sought to identify situations of everyday life that depict the performance of these managers, as well as to know the conditions of the agencies. The questions and observations were also directed to superiors (General Managers) and subordinates (clerks) of the researched public, given that these professionals are also part of this process of Middle Management performance. The main results are that the agencies surveyed are large, with great business potential and a large number of employees, which indicates that internal sectors need a located leadership, depending not only on the general manager. Business happens in the portfolios, sectors, and without this leadership the achievement of objectives is compromised. It was observed that there is room for such an exercise, despite some arguments that there are urgent demands as sales, with daily challenges, specific goals in the week, or exaggerated charges. The profiles of each manager determine the size and quality of this leadership. Sudden changes of focus, with "Lightning" challenges and charges "intraday" are, however, unfavorable to the exercise of leadership, which removes part of the planning already prepared by the agency and the sector.

The current study aims to contribute to Corporate Governance CG and Risk Management RM literature by providing empirical evidence of the relationship between the three construct: CG, RM and Bank Performance BP within the GCC banking sector. Furthermore, the Islamic data and conventional data have been separated to investigate the association between CG, RM and BP. To do so, 90 active banks (30 Islamic – 60 conventional) banks have been selected as a sample for ten years period from (2003 – 2012), and subsequently used the regression analysis (Ordinary Least Square OLS) for the four selected models as follows; Regarding the empirical results of Model (1) which investigate the relationship between CG’s variables and BP measured by ROE and ROA for all banks’ data; Islamic data and conventional data, the result indicate that the board size, gender diversity, role duality and audit committee are insignificantly associated with bank performance measured by ROE in all types of banks. In addition, in Islamic banks the Non-Executive Board Member NEBM and credit and investment committee are negatively and significantly associated with ROE, however, this association is insignificant in conventional banks. The capital ratio is positively and significantly associated with ROA in all types of banks. Furthermore, the gender diversity is insignificantly associated with bank performance measured by ROA in both Islamic and conventional banks. Interestingly, bank size is significant and positive with bank performance measured by both of ROE and ROA in all types of banks. Model (2) investigates the relationship between RM’s variables and BP measured by ROE and ROA for all banks’ data; Islamic data and conventional data. The results indicate that capital risk and liquidity risk are insignificant with BP measured by ROE in all types of banks. The association between non-performing loan and credit risk with ROE are insignificant in Islamic banks, however, this association is significant and negative in conventional banks. Interestingly, the capital adequacy ratio is positively and significantly associated with ROE and ROA in all types of banks. Furthermore, as per Model (3) which investigate the relationship between both of CG and RM’s variables and BP measured by ROE and ROA for all banks’ data; Islamic data and conventional data, it can be concluded that the NEBM is significantly and negatively associated with BP measured by ROE and ROA in all types of banks. In this model, it was noted that some variables are insignificantly associated with bank performance in both Islamic and conventional banks, those variables are gender diversity, role duality, Loan to Deposit Ratio LDR, NPL, credit risk, capital risk and liquidity risk. In Model (4) which investigate the relationship between CG and RM measured by NPL for all banks’ data; Islamic data and conventional data. It can be concluded that NEBM and CEO-turnover are insignificant with NPL in all types of banks. Furthermore, board size, Role duality, LDR and Risk committee are negatively and significantly associated with NPL in conventional banks, however, they are insignificant in Islamic banks. The gender diversity in all types of banks is negative and significantly associated with NPL. In addition to the above, the current study provides evidence that the determinants of bank performance in the GCC banking sector vary among the different independent variables. No single variable could explain the bank performance, this conclusion highlights that there is a need for additional analysis of the three constructs in different periods.

The main aim of this thesis is to find regularities and patterns of banking branches distribution in particular regions. In the first part of the work there is a detailed overview of location behaviour of the selected banks in the Czech regions and districts. The second part represents simple process of finding ideal location for future bank branches establishing. This process is also applied to case studies, which are part of this thesis as well. The results show that geographical distribution of selected banks corresponds to the urban system of the Czech Republic. The capital city of Prague proved to be exceptional considering urban structure of the Czech republic. The analysis shows quite high differences in bank branches distribution in Czech districts. Very high concentration in relation to number of inhabitants was recorded in border districts of Plzeňský region and Jihočeský region. On the other hand, Most district and Ústí nad Labem district still offer high potential for bank branches expansion. We can expect continuing of bank branches expansion, because branches still have irreplaceable position regarding bank operations and creating new bank accounts.

This diploma thesis deals with loyalty and tools which could deepen the loyalty of customers. The thesis provides theoretical background of the theme and outlines essence of the customer loyalty for consequent proposition of tools for its creation. At the beginning of this thesis the conception of loyalty is supported by basic facts of marketing theory, e.g. marketing communication, marketing mix and brand. The thesis continues with essence of loyalty, aspects of loyalty, its drivers, possibilities of satisfaction and loyalty meassurement and effects of loyalty with focus on banking sector. Further this part defines the banking sector, specifics of banking product and developement trends in banking. Partially the influence of current economical crisis on customer loyalty is taken into account. Practical part is focused on description and practical examples of each tool which extends customer loyalty to bank institution in Czech republic and abroad as well. Tools are divided by marketing mix elements according to prevalent characteristics corresponding with the given element. Next are mentioned suggestions to proposition of new loyalty program. The thesis set 3 possible ways of future developement of customer loyalty creation.These ways are focus on simple program resembling to sales promotion, complex program creating real customer loyalty and focus on soft elements (e.g. service quality and pleasant surrounding). At the conclusion is given recommendation for future developement of customer loyalty creation in Česká spořitelna.

Guanxi, the Chinese term for social connections, has long been a key subject of interest in Chinese management research. Despite the conceptual and empirical efforts of earlier studies to address the nature, instrumentality, and managerial implications of guanxi, the extent to and the ways in which guanxi is deployed in the actual decision-making process in contemporary Chinese organisations remains ambiguous. Cont/d...

Magister Commercii - MCom / The South African banking industry is relatively sound and adequately capitalized high-tech service industry. It provides services to 51% of the economically active population. In the late 2001, 2002 and,2003, a number of small banks failed·due to liquidity crises, which subsequently spurred the momentum of consolidation in the industry. During this period, a great deal of mergers and acquisitions has taken place in the industry. The regulatory environment is in line with the Bank of International Settlements (BIS) guidelines. The regulations regarding foreign banks are evidently a barrier to foreign bank entry, which could spur the level of competition in the industry In this thesis the level of market concentration is calculated using concentration ratios, CR. and CRs, for four product markets. The concentration ratio R. ranges from 77% for investment products, 79% for deposit market, 89% for installment sales market to 95% for credit card markets. The Herfindahl-Hirschman Index (RH!) as calculated by reserve bank is 1750 by the end of year 2002, compared with the thresholds set by American Department of Justice; this falls short by only 50 from the range of the highly concentrated markets, which is above 1800 points. The methodology used to test competition, one of the new empirical industrial organization models, is the Panzar-Rosse reduced form revenue function. The P-R reduced form revenue function estimates the competitive conduct by the extent to which changes in factor price is reflected in revenue. The reduced form revenue function is estimated based on unbalanced panel of 15 banks for the period of 1993 to 2002 using fixed effects panel data econometrics. The estimated H-statistic is 0.516,

The role of banks in sustainable development has been growing with prominence internationally. Therefore, research was undertaken to ascertain the approach of South African banking sector in respect of corporate sustainability or sustainable banking. The purpose of this research was to further explore the business case thereof in the SA context and specifically where it pertains to product and market innovation. A qualitative research methodology comprising an exploratory research design was applied, consisting of in-depth interviews and secondary data research of a sample of SA banking organisations. Findings indicated that SA banks primarily view corporate sustainability from an integrated approach. The South African macro-environment and national priorities play an important role in determining corporate sustainability initiatives. Accordingly, risks and opportunities are manifest (as part of a regulated and compliance-driven industry). Considering the national context and unique needs of stakeholders, there was evidence of a relationship between corporate sustainability and product and market innovation. However, not all opportunities from a business case perspective and in product and market types have been exhausted in this space. Copyright / Dissertation (MBA)--University of Pretoria, 2010. / Gordon Institute of Business Science (GIBS) / Unrestricted

A thesis submitted in fulfillment of the requirements for the degree of Master of Arts in Communication Science at the University of Zululand, South Africa, 2012. / Relationship in banking has become very competitive in the recent past, more especially in the aftermath of the recent global economic meltdown. Most of the major banks in South Africa are not only striving to improve the quality and quantity of their clientele but also to maintain their survival in the corporate market. Most relationship in banks focus on customer satisfaction and customer loyalty, however, the issue of language barrier is being neglected in many banking halls. South Africa hosts eleven official languages and it is obviously not feasible for one particular bank to embrace all these languages for customer service, however, there can be varied strategies for individual banks to cater for clients in specific locations. This thesis examines how particular banks cater for the language needs of its immediate community. The primary goal of this study is to examine the current quality of service offered by the banking sector in South Africa especially in terms of service delivery proposed by the banking code of practice (ABSA COBP).The clients and staff of a bank in Zululand (KwaZulu-Natal) provided valuable information for this study. The data was collected through the use of structured interviews of clients and staff members. The study is informative and insightful in that it infiltrates the responsibilities policy makers in communicating with clients. Furthermore, the study exposes provocative and controversial issues in communication policy and hopes to stir awareness within the banking sector to improve relationship banking. This ground-breaking study also demonstrates how challenges faced by the clients cause banks to fail to meet its intended purpose. This study also exposes provocative and controversial challenges which place our banking sector at risk of total annihilation if left unattended. The study speaks to issues of accountability such as: planning and decision making and the plight of the people of our nation.

京都大学 / 0048 / 新制・課程博士 / 博士(経済学) / 甲第20653号 / 経博第553号 / 新制||経||282(附属図書館) / 京都大学大学院経済学研究科経済学専攻 / (主査)教授 矢野 剛, 教授 劉 徳強, 教授 三重野 文晴, 准教授 高野 久紀 / 学位規則第4条第1項該当 / Doctor of Economics / Kyoto University / DFAM

No description available.