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Thesis (M.Com.)--University of Adelaide, Dept. of Commerce, 1999. / Includes bibliographical references (leaves 137-142).

Thesis (Ph. D.)--University of Wisconsin, 1971. / eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references (leaves 482-485).

Thesis (Ph. D.)--University of Wisconsin--Madison, 1967. / Typescript. Vita. Includes bibliographical references.

Thesis (Ph. D.)--Cornell University, 1995. / Vita. Includes bibliographical references (leaves 114-121).

Thesis (PhD)--University of South Australia, 1997

Thesis (Ph. D.)--West Virginia University, 1999. / Title from document title page. Document formatted into pages; contains vi, 175 p. : ill. Includes abstract. Includes bibliographical references (p. 173-175).

The nature of the Thai banking system in the pre-crisis era has been of great interest in the aftermath of Thailand’s 1997 financial crisis. Scores of studies have put great emphasis on the factors contributing to the crisis. There has been scant prior research on how Thai banks operate in practice since the crisis and the researcher was interested in better understanding this, particularly how the banks deal with information-related problems. The main objective of the research is to give an insight into the actions that Thai bankers carry out and how their activities are perceived by corporate borrowers, auditors, regulators and the bankers themselves. In dealing with informational problems, Thai banks employ screening techniques, collateral requirements, loan covenants, monitoring, and their relationships with borrowers in an attempt to mitigate the costs of both adverse selection and moral hazard problems. The study finds that there have been significant improvements in the banking system which has made Thai banks more compliant with internationally accepted lending practice. However, there is still room for further studies on how to create incentives to improve financial disclosure among small and medium enterprises (SMEs), how to establish sound corporate governance of banks, and how to minimise political interference in Thai state-owned banks.

A dissertation submitted to the Faculty of Commerce, Law and Management University of the Witwatersrand Business School In fulfillment of the requirements for the degree of Master of Management in Finance and Investment Johannesburg, 2016 / This study uses a dynamic panel data method to examine the sensitivity of non-performing loans (NPLs) and bank capital buffer (BCB) to macroeconomic variables. This approach is motivated by the hypothesis that says macroeconomic variables have an effect on the bank’s balance sheet, and this effect varies across developed and emerging economies. The results show that NPLs are sensitive to GDP growth, interest rate, public debt, sovereign debt and unemployment in developed economies. However, NPLs are sensitive to GDP growth, exchange rate, interest rate, sovereign debt, unemployment and volume of imports in emerging economies. Public debt is not statistically significant in explaining the sensitivity of NPLs in emerging economies. Similarly, exchange rate and volume of imports have no significant influence on NPLs in developed economies. In relation to the BCB we find GDP growth, exchange rate, interest rate, sovereign debt, unemployment and volume of imports as significant macroeconomic variables driving the sensitivity of capital buffer in emerging economies. Conversely, interest rate, sovereign debt and unemployment are macroeconomic variables responsible for the sensitivity of the buffer in developed economies. GDP growth, exchange rate and volume of imports have no significant influence. Considering the liquidity risk imposed to the banks’ balance sheet by this set of macroeconomic variables. It seems plausible that their dynamics should be given attention when conceiving any policy mix to cope with credit expansion. Without such exercise, the goal of financial stability in the global banking system will be difficult to achieve. / MT2016

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