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Chargeout system for data processing services: a case study on Standard Chartered Bank, HKLam, Hon-yin, Hymen., 林漢賢. January 1987 (has links)
published_or_final_version / Business Administration / Master / Master of Business Administration
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商業銀行資產管理理論與台灣之實證研究謝玉玲, XIE, YU-LING Unknown Date (has links)
第一章為緒論,闡述本論文研究的動機與目的,在於銀行與一國的經濟有相當密利的
關係,而銀行的資產負債管理行為,則關係著一銀行的收益性、風險性與流動性,亦
即關係著銀行經營的成敗,故對於銀行資產管理行為有以研究易必要與價值。第二章
則是銀行資產管理理論的概述,將各學者的論點做一綜合性的敘述。第三章則是建立
銀行資產管理的實證模型,並進而以台灣商業銀行之實際資料,加以實證分析研究。
第四章則為結論。
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Leadership and management styles of bank managers within First National Bank in GautengModzuka, Bertha Erica. January 2016 (has links)
M. Tech. Business Administration / Leadership and management style play a crucial role in an organization, yet not all leaders and managers are good. The purpose of this study was to investigate the dominant leadership and management style at First National Bank (FNB) in Gauteng. A quantitative, sample-based research method was used. An MLQ questionnaire instrument was used to collect data. A random sample comprising 150 FNB managers was selected. Of the 150 questionnaires distributed, 69 were completed which comprises 46% of the population. SAS Software version 9.2 was used to describe and cluster respondents & biographical variables. The General Linear Model was used to test the effect of each demographic variable.
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The impact of Mzansi on the performance of ABSA.Matsoha, Edith Likeledi. January 2010 (has links)
The purpose of this study was to determine the impact of Mzansi account initiative
on the performance of the Amalgamated Banks of South Africa (ABSA). Mzansi
account is a national entry level bank account that was launched in October 2004.
The Mzansi bank account was established to cater for the previously
disadvantaged people, living in remote and rural areas of South Africa.
The Mzansi account is a product of the voluntary commitment by the Financial
Services Sector as a response to the Government effort to address inequalities of
the past. Historically, banks among other service providers did not actively offer
banking services to poor people, especially those who lived in the rural and remote
areas.
This study examined how ABSA, in particular, reacted to Mzansi account
conceptualization. The study also looked at the financial and non-financial impact
of the implementation of the Financial Services Charter Initiative since 2004 until
2008. While the study focused on the charter since its conceptualisation, it also
tracked the performance of ABSA a year before the charter which is the year 2003.
Lastly, the study intended to evaluate the performance of ABSA, its macro and
micro environment and the present day business environment within the FSC
initiative scenario.
The data collection for the study was acquired through literature review,
observational study and case study research methodology. Findings of this study
show that Mzansi initiative was found to have been a worthwhile initiative that has
reached millions of low income people, who now have access to banking facilities
and a formal banking instrument. However, the Mzansi initiative has not added a
markedly value to the performance of ABSA bank. / Thesis (MBA)-University of KwaZulu-Natal, Westville, 2010.
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Competencies as a predictor of work performance for branch managers in a banking institutionPema-Mistry, Deepa January 1900 (has links)
An essential blend between competencies, personality and skill is sought after for successful branch managers in today’s banking world in order to achieve a high level of quality, on-time delivery, as well as customer and employee satisfaction and loyalty. In this study the predictive relationship between competencies (as a portrayal of personality and abilities) and work performance was investigated among the branch managers.
The scores on the essential Universal Competency Framework competencies, the Person- Job Match and performance data for three years were used to conduct correlation and regression analyses. The study was conducted among 95 branch managers at a banking institution in South Africa.
A theoretical relationship was determined, and this was supported by the significant relationship that was evident between the identified essential competencies of the branch managers and their work performance. The regression model summary indicated significance when using all essential competencies combined against the overall criterion score. / Industrial and Organisational Psychology / M.A. (Industrial and Organisational Psychology)
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Fatores comportamentais e tecnológicos como determinantes na adoção de modelo de relacionamento bancário digital para micro e pequenas empresasReichert, Taís Araldi 21 December 2017 (has links)
A disponibilização de serviços bancários digitais é crescente, mediante a necessidade de acompanhar a evolução da tecnologia no setor de serviços. No entanto, para o sucesso das estratégias bancárias no fornecimento de serviços e produtos de forma digital, é primordial analisar a aceitação e adoção deste modelo de atendimento por parte de seus usuários. Sendo assim, esta dissertação avaliou a percepção de usuários em relação a adoção de serviços bancários digitais, por meio da investigação de um Modelo de Relacionamento Bancário Digital, proposto para o atendimento de cliente micro e pequenas empresas, selecionados pelo Banco Beta. Diante desta perspectiva, este estudo propôs como objetivo geral analisar as relações existentes entre fatores comportamentais, embasados por meio da teoria UTAUT (Teoria Unificada de Aceitação e Uso da Tecnologia), e fatores tecnológicos, contidos no modelo teórico de TTF (Modelo Ajuste da Tarefa-Tecnologia), como determinantes para a adoção de um modelo de relacionamento bancário digital. Os procedimentos metodológicos consistiram quanto a abordagem do problema, em uma pesquisa quantitativa, de caráter descritivo, adotando-se como estratégia para coleta de dados o método survey, com 156 respondentes. A análise dos dados foi realizada a partir da aplicação das técnicas de estatística multivariada, com a utilização da Modelagem de Equações Estruturais, com o propósito de analisar e compreender as relações propostas no modelo teórico da pesquisa. Para esta pesquisa foram propostos três modelos teóricos, investigando-se individualmente os modelos UTAUT e TTF e posteriormente a unificação dos modelos para uma visão integrada. Para o modelo teórico de TTF, os resultados apontam que as características da tarefa influenciam significativamente e positivamente as características da tecnologia; as características de tecnologia influenciam significativamente e positivamente o ajuste do modelo, o qual por sua vez influencia significativa e positivamente a intenção comportamental. Para o Modelo Teórico de UTUAT foram evidenciadas relações de influência significativas e positivas, da expectativa de desempenho para a intenção comportamental, da expectativa de esforço para antenção comportamental, do hábito para a intenção comportamental e do hábito para o comportamento de uso. Quanto ao Modelo Teórico integrado, as relações de influência significativas e positivas se confirmam da expectativa de desempenho para intenção comportamental, do hábito para a intenção comportamental, das características da tecnologia para o ajuste. Este estudo contribui para o entendimento das percepções de usuários, fornecendo evidências empíricas das relações comportamentais e tecnológicas como determinantes na adoção da tecnologia de serviços bancários digitais / Submitted by cmquadros@ucs.br (cmquadros@ucs.br) on 2018-02-15T12:56:36Z
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Previous issue date: 2018-02-15 / The availability of digital banking services is increasing, with the need to follow the evolution of technology in the service sector. However, for the success of banking strategies in the provision of services and products in digital form, it is essential to analyze the acceptance and adoption of this service model by its users. This dissertation evaluated the perception of users in relation to the adoption of digital banking services, through the investigation of a Digital Banking Relationship Model, offered to micro and small companies, which are customers of Banco Beta. In this perspective, this study proposed as a general objective to analyze the existing relations between behavioral factors, based on the UTAUT theory (Unified Theory of Acceptance and Use of Technology), and technological factors, contained in the theoretical model of TTF ( Task-Technology Model Fit), as determinants for the adoption of a model of digital banking relationship. The methodological procedures consisted of a quantitative research, of a descriptive character, adopting as strategy for data collection the survey method, with 156 respondents. Data analysis was performed using the multivariate statistical techniques, including the Structural Equation Modeling, with the purpose of analyzing and understanding the relationships proposed in the Theoretical Model of the research. For this research three theoretical models were proposed, investigating individually the UTAUT and TTF models and later the unification of both models as an integrated vision. For the theoretical model of TTF, the results show that the characteristics of the task influence significantly and positively the characteristics of the technology; the characteristics of technology significantly and positively influence the adjustment of the model, which in turn influences significantly and positively the behavioral intention. For the UTUAT Theoretical Model, significant and positive influence relationships were evidenced, from performance expectancy to behavioral intention, from expectation of effort to behavioral intention, from habit to behavioral intention and from habit to behavior of use. As for the Integrated Theoretical Model, the positive and significant influence relationships are confirmed from the performance expectancy for behavioral intention, from habit to behavioral intention, from the characteristics of the technology to the adjustment. This study contributes to the understanding of user perceptions, providing empirical evidence of behavioral and technological relations as determinants in the adoption of digital banking technology.
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Fatores comportamentais e tecnológicos como determinantes na adoção de modelo de relacionamento bancário digital para micro e pequenas empresasReichert, Taís Araldi 21 December 2017 (has links)
A disponibilização de serviços bancários digitais é crescente, mediante a necessidade de acompanhar a evolução da tecnologia no setor de serviços. No entanto, para o sucesso das estratégias bancárias no fornecimento de serviços e produtos de forma digital, é primordial analisar a aceitação e adoção deste modelo de atendimento por parte de seus usuários. Sendo assim, esta dissertação avaliou a percepção de usuários em relação a adoção de serviços bancários digitais, por meio da investigação de um Modelo de Relacionamento Bancário Digital, proposto para o atendimento de cliente micro e pequenas empresas, selecionados pelo Banco Beta. Diante desta perspectiva, este estudo propôs como objetivo geral analisar as relações existentes entre fatores comportamentais, embasados por meio da teoria UTAUT (Teoria Unificada de Aceitação e Uso da Tecnologia), e fatores tecnológicos, contidos no modelo teórico de TTF (Modelo Ajuste da Tarefa-Tecnologia), como determinantes para a adoção de um modelo de relacionamento bancário digital. Os procedimentos metodológicos consistiram quanto a abordagem do problema, em uma pesquisa quantitativa, de caráter descritivo, adotando-se como estratégia para coleta de dados o método survey, com 156 respondentes. A análise dos dados foi realizada a partir da aplicação das técnicas de estatística multivariada, com a utilização da Modelagem de Equações Estruturais, com o propósito de analisar e compreender as relações propostas no modelo teórico da pesquisa. Para esta pesquisa foram propostos três modelos teóricos, investigando-se individualmente os modelos UTAUT e TTF e posteriormente a unificação dos modelos para uma visão integrada. Para o modelo teórico de TTF, os resultados apontam que as características da tarefa influenciam significativamente e positivamente as características da tecnologia; as características de tecnologia influenciam significativamente e positivamente o ajuste do modelo, o qual por sua vez influencia significativa e positivamente a intenção comportamental. Para o Modelo Teórico de UTUAT foram evidenciadas relações de influência significativas e positivas, da expectativa de desempenho para a intenção comportamental, da expectativa de esforço para antenção comportamental, do hábito para a intenção comportamental e do hábito para o comportamento de uso. Quanto ao Modelo Teórico integrado, as relações de influência significativas e positivas se confirmam da expectativa de desempenho para intenção comportamental, do hábito para a intenção comportamental, das características da tecnologia para o ajuste. Este estudo contribui para o entendimento das percepções de usuários, fornecendo evidências empíricas das relações comportamentais e tecnológicas como determinantes na adoção da tecnologia de serviços bancários digitais / The availability of digital banking services is increasing, with the need to follow the evolution of technology in the service sector. However, for the success of banking strategies in the provision of services and products in digital form, it is essential to analyze the acceptance and adoption of this service model by its users. This dissertation evaluated the perception of users in relation to the adoption of digital banking services, through the investigation of a Digital Banking Relationship Model, offered to micro and small companies, which are customers of Banco Beta. In this perspective, this study proposed as a general objective to analyze the existing relations between behavioral factors, based on the UTAUT theory (Unified Theory of Acceptance and Use of Technology), and technological factors, contained in the theoretical model of TTF ( Task-Technology Model Fit), as determinants for the adoption of a model of digital banking relationship. The methodological procedures consisted of a quantitative research, of a descriptive character, adopting as strategy for data collection the survey method, with 156 respondents. Data analysis was performed using the multivariate statistical techniques, including the Structural Equation Modeling, with the purpose of analyzing and understanding the relationships proposed in the Theoretical Model of the research. For this research three theoretical models were proposed, investigating individually the UTAUT and TTF models and later the unification of both models as an integrated vision. For the theoretical model of TTF, the results show that the characteristics of the task influence significantly and positively the characteristics of the technology; the characteristics of technology significantly and positively influence the adjustment of the model, which in turn influences significantly and positively the behavioral intention. For the UTUAT Theoretical Model, significant and positive influence relationships were evidenced, from performance expectancy to behavioral intention, from expectation of effort to behavioral intention, from habit to behavioral intention and from habit to behavior of use. As for the Integrated Theoretical Model, the positive and significant influence relationships are confirmed from the performance expectancy for behavioral intention, from habit to behavioral intention, from the characteristics of the technology to the adjustment. This study contributes to the understanding of user perceptions, providing empirical evidence of behavioral and technological relations as determinants in the adoption of digital banking technology.
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A study of Washington Mutual a formidible competitor in the Southern California marketBoni, Margaret Mary 01 January 2003 (has links)
This project examines the Southern California and Inland Empire banking environment during the period from 1992 to 1997. It includes an analysis of Washington Mutual's market strategy, and financial strategy for entering this fiercely competitive environment. Washington Mutual's competitive advantages and weaknesses will be analyzed to understand its approach to capturing strong market presence.
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Managerial Decentralization in Nigerian Banks: Case Studies of Selected BanksOttih, Leonard Okonkwo 08 1900 (has links)
The purposes of this study were to ascertain the status of managerial decentralization in several types of Nigerian banks, to identify the training needs for managerial decentralization, and finally to develop a model for managerial decentralization for the banks studied if the findings warranted it. The study utilized the "Multiple Case Studies Approach" and four banks were studied. Included in the group of banks was one of the three largest banks in the country, one commercial bank with the full allowable foreign participation, one government owned bank, and one other indigenously owned bank. There were ten manager interviewees at each of the four banks. An interview guide was designed and used to seek information pertaining to six major research questions.
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A modelling process of short-term interest rate risk management for the South African commercial banking sectorSun, Jiaqi 03 1900 (has links)
Thesis (MComm (Business Management))--University of Stellenbosch, 2011. / ENGLISH ABSTRACT: This study focuses on banking book interest rate risk management, more specifically shortterm
interest rate risk management problems. This type of risk is induced by the inflation
targeting policy of the South African Reserve Bank. As a result, inflation leads to an uncertain
interest rate cycle and a period of uncertain interest rate levels as it relates to lending and
borrowing products in the South African commercial banking sector.
The lending rates of most South African commercial banks are tied to the prime overdraft
rate. The borrowing rates are linked to the money market rates such as the Johannesburg
Interbank Agreed Rate (JIBAR) which is indirectly affected by the prime overdraft rate.
Hence, lending and borrowing rates are related to the repo-rate. Furthermore, a fixed
relationship exists between the prime overdraft rate and the repo-rate. The monetary policy
committee meets every two months during the year to make inflation and repo-rate
adjustments, as stipulated in the inflation targeting policy. A subject portfolio containing
fixed-rate loans, advances and floating-rate deposits is exposed to the change of the repo-rate.
This short-term banking book interest rate risk is defined based on the fact that the repo-rate
adjustment occurs every two months, the banking book risk management is short term
focused, and hedging instruments against interest rate risk are short term dated contracts. Such
a short term risk may have a negative impact on the bank’s profitability.
The study starts with a review of the bank risk management processes, and then discusses the
enterprise risk management framework that guides the formation of the risk management
processes and systems. In order to benchmark against international risk management practices,
a comparative analysis is carried out to evaluate the risk management tendencies of bank risk
management in South Africa and globally.
The empirical findings reveal that most banks (i.e. eighty per cent of all local banks) manage
the short-term interest rate risk by following the same process as the interest rate risk in
general. The key elements (risk identification, measurement, mitigation and monitoring and
reporting) of the banking book interest rate risk management are not linked together as a
systematic process. This is not in line with the Basel II Accord to manage market risks
through a process approach.
The study also proposes a generic short-term interest rate risk management framework and in doing so, addresses some of the weaknesses of current risk management practices. Based on
this framework, the South African banks may develop their own processes to manage such
short-term banking book interest rate risk exposure.
Some of the problems of bank risk management that come to light from the empirical findings,
are summarised in the last chapter and may be considered for future research. / AFRIKAANSE OPSOMMING: Hierdie studie fokus op die probleme van die bankboek rentekoersrisikobestuur, meer
spesifiek die korttermyn rentekoers risikobbestuursprobleme. Hierdie tipe risiko word deur
die inflasieteikenraamwerk beleid van die Suid-Afrikaanse Reserwebank veroorsaak. Dit
veroorsaak ‘n tydperk van onsekere rentekoersvlakke veral sover dit uitleen- en leenprodukte
in die Suid-Afrikaanse kommersiële banksektor aangaan.
Die uitleenkoerse van die meeste Suid-Afrikaanse kommersiële banke is aan die prima
bankoortrekkingskoers gekoppel. Die leningstariewe is aan die geldmarkkoerse soos die
Johannesburgse Interbank Ooreengekome Koers (JIBOK) gekoppel wat indirek geraak word
deur die prima bankoortrekkingskoers. Uitleen- en leenkoerse is redelik afhanklik van die
repo-koers waar laasgenoemde ‘n redelike vaste verwantskap met die prima
bankoortrekkingskoers het. Die monetêre beleidkomitee vergader elke twee maande van die
jaar om inflasie en repokoers aanpassings te maak, ooreenkomstig die inflasieteiken beleid. 'n
Bepaalde portefeulje met vasterente lenings, voorskotte en vlottende koers deposito’s is
blootgestel aan die verandering in die repokoers. Hierdie korttermyn rentekoersrisiko van die
bankboek word gedefinieer op grond van die feit dat die repo-koers aanpassing elke twee
maande gebeur. Die bankboek risikobestuur het ‘n korttermyn fokus, en
verskansingsinstrumente teen rentekoersrisiko is korttermyn kontrakte. So 'n korttermyn
risiko kan 'n negatiewe impak op die bank se winsgewendheid hê.
In hierdie studie word bankrisikobestuur prosesse beskou. Die risikobestuursraamwerk wat
die basis vorm van die risikobestuursprosesse en stelsels word aangespreek. Om 'n idee te
vorm van die huidige internasionale risikobestuurspraktyke of tendense by banke, word die
state van internasionale en oorsese banke kortliks beskou.
Die empiriese bevindinge uit die opname dui daarop dat die meeste banke (d.w.s tagtig
persent van alle plaaslike banke) die korttermyn rentekoersrisiko nie afsonderlik van
rentekoersrisikobestuur in die algemeen bestuur nie. Die sleutelelemente van die
risikobestuursproses (risiko identifisering, mitigasie, implementering, monitering en
verslagdoening) kom wel voor maar die bankboek rentekoersrisikobestuur is nie gekoppel as
'n sistemastiese proses nie. Dit blyk dat hierdie situasie na alle waarskynlikheid nie in lyn is
met die Basel II akkoord om markrisiko's deur 'n prosesbenadering, te bestuur nie. Die studie stel ook ‘n generiese raamwerk voor vir die bestuur van korttermyn
rentekoersrisiko wat dan ook van die swakhede van die huidige risikobestuurspraktyke
aanspreek. Op grond van hierdie raamwerk, kan die Suid-Afrikaanse banke dit oorweeg om
hul eie prosesse te ontwikkel vir die bestuur van bankboek rentekoersrisiko blootstelling.
Sommige navorsingsprobleme van bank risikobestuur wat uit die empiriese bevindinge aan
die lig gekom het, word in die laaste hoofstuk opgesom en kan vir verdere navorsing in die
toekoms oorweeg word.
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