Thesis: "The stability of banks in the crisis" presents an analysis of the impact of the financial crisis on the banking sector and individual banks and a demonstration of the behavior of banks in crisis situation. The thesis is divided into four chapters. The first chapter deals with the definition of instability and explain the functioning of the financial crisis. The second chapter discusses the issue of deposit insurance and the possibility of compensation payments during the bank's collapse. The third chapter shows the influence and role of central banks as the creator of the banking environment and as the main supervisory authority. The fourth chapter focuses on the stability of banks from different perspectives, that the bank's activity was not significantly affected during and after the financial crisis.

This thesis investigates the effect of income diversification on the performance of Islamic banks in Malaysia, Saudi Arabia, Kuwait, United Arab Emirates, Bahrain and Qatar where they operate alongside conventional banks in a dual banking system. Accounting data was drawn from 68 conventional and 42 Islamic banks from 1997 to 2009. The main focus was to see whether a greater reliance on non-financing income impacts on earnings quality and if so, how this may vary between Islamic and conventional banks. Commission and fee income, trading income and other non-financing income constitute non-financing income. For conventional banks, this is known as non-interest income, but in Islamic banking the payment and receipt of interest is prohibited so this ‘other income’ is referred to as non-financing income (that is, income unrelated to deposit-taking and loan granting). Islamic banks operate as universal banks and offer retail and wholesale financing plus investment banking services. Using various empirical approaches, we find that non-financing income positively influences banks’ risk-adjusted performance on a net overall impact basis, after taking into account, the consequential indirect impact arising from changes in income diversification (provided that the increase in non-financing income is carried out up until the optimal share of non-financing income of 0.5). Greater income diversification on its own, increases income volatility and this negatively impacts bank’s risk-adjusted performance, more so, when income diversification exceeds the optimal score of 0.5. Islamic banks are found to be more focused on deposit/loan financing and less diversified in terms of non-financing income activities compared to conventional banks. We find that Islamic banks appear to be less susceptible to earnings volatility given their lower diversified income source. Islamic banks have lower profitability (on average) on a risk-adjusted basis when compared to their conventional counterparts.

The objective of this thesis is to examine the potential ramifications of allowing Canadian chartered A banks to invest in domestic common equities in excess of current regulations. The need for these investments has been born through attempts by companies to seek new common equity so that they may avoid financial catastrophe. However, as time goes on, it is a practice which can be expected to widen in popularity as chartered banks adjust to their new role as venture-capitalists. We begin our analysis by examining the impact of common equity investments on the financial performance of the chartered banks. Our approach is to conduct simulation studies of chartered bank performance using the Toronto Stock Exchange 300 index as a proxy for common equity behaviour. By adjusting bank financial statements to reflect assumed equity investment levels, we are able to demonstrate the probable impact on a bank's profitability, liquidity, and solvency. The above is followed by an examination of the potential impact of bank common equity holdings on the existing financial markets. In particular, we seek to examine the probable effect on the cost and availability of funds within the debt and equity markets. Finally, we strive to evaluate the public policy issues which are associated with bank common equity investments. These range from fears of potential power abuses derived from the corporate voting-power of common equity, to the impact on corporate bankruptcy costs. Our evaluation is based on a combination of traditional economic theory, along with drawing heavily from the West German experience where bank ownership of common equity has deep historical roots. In general, our findings indicate that chartered bank ownership of common equities should be encouraged subject to several limitations. These limitations are designed to ensure banking system financial stability, as well as to minimize any potential power abuses. In addition, any movement towards bank ownership of common equities should be accompanied by deregulation of traditional banking services so as to ensure minimal disruption to existing markets and services. / Business, Sauder School of / Graduate

M.Com. (Business Management) / In the course of firms serving their own interest of securing financial profit, there is a responsibility to take action in protecting and enhancing the interest of the society in which they operate, with the total endeavour and effect of improving the quality of life. This is often done by giving back to the society in the form of community involvement projects. The main objective of this study is:  To investigate the extent to which the value chain in employee volunteering - community involvement programmes is understood and fully optimised from these stakeholders‟ perspective. There were three types of respondent groups within the entire population of Choma, involved in this study. Firstly, there was a respondent group of five senior CSR managers at Choma who manage and co-ordinate all CSR activities within the bank. They have full knowledge of the scope of Choma CSR stated objectives and what is happening in the context of Choma CSI projects, and can thus give valuable insight to the Choma CSI projects‟ current state, including successes and challenges. Two CSR projects were selected by these senior CSR managers, where one was really outstanding and one was also completed, but not considered as valuable in attaining Choma CSR objectives as good as the first. The first group of respondents are members who were actively involved in Project 1 from Choma RBB operations, while the second group was involved in Project 2, from RBB Choma personal loans. Three employees were interviewed from each project. These projects were executed in two different communities leading to two additional respondent samples drawn from the two communities. Two community members were interviewed from each community. This provides three views of the research problem and a triangulation from three different sources of CSR value to a community. All interviews were face-to-face in the respective offices of the respondents by scheduled appointments.

Orientador: Eduardo Strachman / Resumo: O objetivo geral do presente estudo é examinar o comportamento dos maiores bancos comerciais no Brasil, em um contexto de expansão do crédito, para desenvolver uma compreensão mais profunda a respeito do setor bancário em uma economia monetária da produção. O objetivo específico é identificar padrões de comportamentos dos bancos comerciais brasileiros no período 2003 – 2010. A hipótese principal desta pesquisa é, o papel do sistema bancário como complexo, essencial e ativo na economia; ante um sistema passivo como um simples intermediador entre poupadores e investidores. Deste modo, parte-se da hipótese que a participação ativa do sistema bancário é fundamental na determinação do volume de financiamento do investimento. Este estudo, além de ajudar no aprofundamento da compreensão do papel fundamental que os bancos desempenham no estabelecimento das condições de financiamento e na determinação do nível de atividade econômica, deve ajudar no aprimoramento da discussão literária a respeito das relações bancos públicos e privados. Conclui-se que por causa da crise financeira, ficou evidente a importância da existência e atuação de um sistema bancário misto no Brasil, privado e público, para atuar de forma anticíclica quando a economia começar a desacelerar, de forma a sustentar a demanda por crédito das empresas produtivas em face da contração do crédito privado. Uma vez que por padrão os bancos privados possuem uma alta preferência por liquidez ao menor sinal de desaceleração da... (Resumo completo, clicar acesso eletrônico abaixo) / Abstract: The general objective of the present study is to examine the behavior of the largest commercial banks in Brazil, in a context of credit expansion, to develop a deeper perception of respect for the banking sector in a monetary production economy. The specific objective is to identify patterns of execution of commercial banks in the period 2003 - 2010. The main hypothesis of this research is, the role of the banking system as complex, essential and active in the economy; before a passive system as a simple intermediary between investors and investors. In this way, it is assumed that the active participation of the banking system is fundamental in determining the volume of investment financing. This study, in addition to helping to deepen the understanding of the fundamental role of banks that perform in the establishment of financing conditions and determines the level of economic activity, should help to improve literary discussion and respect public and public relations. He concluded that because of the financial crisis, it became evident the importance of action and a banking system in Brazil, private and public, to execute an anti-cyclical way when an economy started to slow down, in order to sustain a demand for credit from productive companies in the contraction private credit. Since the pattern of private banks has a high preference for liquidity and the slightest sign of a slowdown in the economy. / Mestre

No description available.

The two-phase approach to the problem of reconciling Dominion Bank's FRB account permitted us to satisfy the critical need for improving the manual process, while allowing us to plan a long-term solution. The implementation of the short-term program provided an automated means of keeping track of exception items by allowing the addition and deletion of items in four database files representing "We Debits," We Credits," "FRB Debits, II and "FRB Credits." This eliminated the need to manually transcribe the revised list, initially comprising 1300 items, on a biweekly basis. The migration from a biweekly to a daily reconcilement would have been impossible without the implementation of this program. The short-term program also provided the ability to print reports of exception items in a variety of formats which made it possible to focus on stale items and to report only the relevant items to the originating areas which was made possible by the use of the balancing and report group codes. The balancing phase of the process was also enhanced by the short-term program because it provided the ability to instantaneously calculate net totals of exception items. This feature helped to identify out-of-balance conditions prior to the close of business each day_ The use of the balancing group codes made the balancing process more efficient because out-of-balance conditions could be identified by group, permitting faster resolution of problem conditions. Another feature of the short-term program that enhanced the reconcilement process was the ability to attach descriptive information to the exception items in the database files using a 3D-character description field. Special reports could be generated as needed based on the information in this field, / Master of Science

Thesis (D.B.A.)--Boston University / PLEASE NOTE: Boston University Libraries did not receive an Authorization To Manage form for this thesis or dissertation. It is therefore not openly accessible, though it may be available by request. If you are the author or principal advisor of this work and would like to request open access for it, please contact us at open-help@bu.edu. Thank you. / This dissertation explores the design of delivery systems in a national probability sample of American retail banks. For the purposes of this study, the delivery system is defined as the aggregate of delivery channels through which a retail bank delivers its services. / 2031-01-01

The composition of seed banks of areas on the drained Kissimmee River floodplain (Florida, USA) that are currently pasture and formerly had been wet prairie, broadleaf marsh, and wetland shrub communities was compared to that of seed banks of areas that have extant stands of these communities. The species composition of the seed banks of existing wet prairie and former wet prairie sites were the most similar, with a Jaccard index of similarity of 55. Existing and former broadleaf marsh and wetland shrub communities had Jaccard indices of 38 and 19, respectively. Although existing and former wet prairie seed banks had nearly the same species richness, species richness at former broadleaf marsh and wetland shrub sites was higher than at existing sites. Mean total seed densities were similar in existing and former wet prairies (700 to 800 seeds m2). However, seed densities in former broadleaf marsh and wetland shrub sites were significantly greater than in comparable existing communities (>4,900 seeds m2 at former sites versus 200 to 300 in existing communities). The higher seed densities in former broadleaf marsh and wetland shrub sites was due to over 4,000 seeds m2 of Juncus effusus in their seed banks. Half of the species that characterize wet prairies were found in the seed banks at former and existing wet prairie sites. At existing broadleaf marsh and wetland shrub sites, most of the characteristic species were found in their seed banks. However, only one characteristic broadleaf species was found in the seed banks of the former broadleaf marsh sites, and no characteristic wetland shrub species were found in the seed banks of the former wetland shrub sites. The seeds of only two non-indigenous species were found in the seed banks of former wetland communities at very low densities. For all three vegetation types, but particularly for the broadleaf marsh and wetland shrub sites, re-establishment of the former vegetation on the restored floodplain will require propagule dispersal from off-site sources.

Located in central Washington State, Banks Lake serves as an irrigation storage reservoir for the Columbia Basin Irrigation Project and is home to a diverse fisheries population. The current hydrologic management strategies used for Banks Lake have been chosen to serve two purposes: to adequately store and provide irrigation water for the Columbia Basin Irrigation Project and to maintain a healthy aquatic environment suitable for the growth and habitation of local flora and fauna. Increased needs for irrigation water within arid central Washington poses additional challenges to reservoir managers so that irrigation needs are met without damaging the present aquatic environment within Banks Lake. Future plans by the Washington Department of Ecology to use Banks Lake storage to replenish ground water reserves of the Odessa Subarea aquifer have required an investigation into how increased seasonal drawdown may affect fish growth, fish habitat and overall limnology of Banks Lake. The goal of this project is to produce a hydrodynamic and water quality model of Banks Lake that can predict the impacts of management strategies on the lake's water quality and the linkage of lake management to fish habitat.