American Finance & Banking Review最新文献

{"title":"ANALYZING THE USES OF DIFFERENT BRAND MANAGEMENT STRATEGIES OF BANK: A STUDY ON PUBLIC BANK","authors":"","doi":"10.46281/amfbr.v6i1.1626","DOIUrl":"https://doi.org/10.46281/amfbr.v6i1.1626","url":null,"abstract":"Brand management strategies are a series of techniques used to increase the perceived value of a product or service. Brand management strategies are a series of techniques used to increase the perceived values of all products or services. The objective of the report is to analyze the uses of different brand management strategies of a public bank in Bangladesh. The paper is more important for marketers to know the significance of the uses of different brand management strategies of the public banks. This paper is most significant for the executives to gain a lot of customers by the use of brand management strategies. This is descriptive when the data is analyzed through a structured questionnaire and it is exploratory when the data is analyzed through in-depth interviews. This study is quantitative and qualitative in nature. The quantitative strategy will be utilized on account of the potential for speculation of discoveries. The targeted population of this study was the clients of public banking in Bangladesh. Data was collected using depth interview questionnaire and survey questionnaire. Data were analyzed quantitatively using SPSS, which was a statistical method for analyzing numerical data. The researcher distributed the questionnaires to 50 executives and employees of the public bank who has been asked through questionnaire and non-probability judgmental sampling was taken from an in-depth interviews w with the customers and also use the survey questionnaire to the 100 customers.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"59 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130155582","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"IMPACT OF ARTIFICIAL INTELLIGENCE AND DIGITAL ECONOMY ON INDUSTRIAL REVOLUTION 4: EVIDENCE FROM BANGLADESH","authors":"Dr. Mohammed Masum Iqbal, N. Zayed","doi":"10.46281/amfbr.v6i1.1489","DOIUrl":"https://doi.org/10.46281/amfbr.v6i1.1489","url":null,"abstract":"This research investigates effects of artificial intelligence and digital economy on the 4th industry revolution from the perspective of Bangladesh. Artificial intelligence affecting the labor market both positively and negatively. Because of artificial intelligence, few existing jobs have been demolished and few new jobs have been emerged as well. Digital economy in Bangladesh is now an emerging issues with the blessings of artificial intelligence. Few employment opportunities will be created in Bangladesh because of emerging digital economy. The objective of this research is to analyze these opportunities and come out with few policy recommendations to implement towards industry revolution 4. Secondary data have been used along with recent relevant literatures to achieve the above stated objective as this is an empirical research. Ideas regarding revised national plan, financial tools, emerging digital economy in Bangladesh are the prominent outcome of this research. The policy recommendations of managing the gap between digital economy and industry revolution 4 regarding artificial intelligence could be helpful to The Government of the Peoples’ Republic of Bangladesh to implement policies.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"170 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125046000","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"RELATIVE STANDING OF ROE AND ROCE IN EFFECTIVE LIQUIDITY MANAGEMENT: EVIDENCE FROM BANGLADESHI COMMERCIAL BANKS","authors":"Dr. Nazneen Jahan Chaudhury","doi":"10.46281/amfbr.v6i1.1459","DOIUrl":"https://doi.org/10.46281/amfbr.v6i1.1459","url":null,"abstract":"This study has been designed for examining the effectiveness of liquidity management through the relative standing of ROE and ROCE of Nationalized Commercial Banks in Bangladesh for the duration of 2008–2018. Six NCBs are selected purposively as sample. The study relies on a balanced panel data set of 66 observations which are gathered from the annual reports of banks and analyzed by random effects regression model. However, the research only examined a few variables. The empirical results reveal that the selected NCBs have been portraying better standing in case of ROE than ROCE in effective liquidity management. The value of R2 of ROE is 75.25%; it signifies that the explanatory measures could clarify 75.25% of the variations in ROE. Among the liquidity measures, Assets/Shareholders Equity has highly significant negative effect; Tier 1 Capital/Risk Weighted Assets has highly significant positive effect; Deposits/Assets have some significant positive and Bank Size in terms of Deposits has some significant negative effect on ROE of the selected NCBs.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"73 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129298884","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"A COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE OF NON-BANK FINANCIAL INSTITUTIONS IN BANGLADESH","authors":"S. Akber","doi":"10.46281/amfbr.v6i1.1455","DOIUrl":"https://doi.org/10.46281/amfbr.v6i1.1455","url":null,"abstract":"NBFIs play an important role in economic development through ensuring proper mobilization of funds in Bangladesh. This study represents a comparison of nine NBFIs operating their business in Bangladesh within the period from 2016 to 2019 through using financial ratios and other measures. To analyze the financial performance this study has used ratio analysis, such as ROA, ROE, ROCE, Institutional size/ Total assets and total equity etc. The outcome of this study says that for generating return the NBFIs performance based on efficiency ratio is different from the performance based on liquidity ratio, capital ratio and other financial measures. This study suggests to NBFIs to be more conscious about loan selection and establish a brand image through providing more efficient services. It also suggests the NBFIs to finds more income generating areas to be more competitive. In the coming years NBFIs will have more prospects that will ensure the economic development of our country.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127152933","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"CUSTOMERS’ ASSESSMENT ON E-BANKING SERVICE QUALITY IN BANGLADESH: CHALLENGES AND STRATEGIES","authors":"D. Barua","doi":"10.46281/amfbr.v6i1.1456","DOIUrl":"https://doi.org/10.46281/amfbr.v6i1.1456","url":null,"abstract":"This paper attempts to investigate to understand customers’ evaluation regarding service quality of e-banking in Bangladesh. It also examines the major challenges and required strategies for promoting e-banking. To conduct the study, a total number of 205 respondents were taken as sample from Chittagong region by using simple judgmental sampling technique. A face-to-face interview method was followed by using a structured questionnaire to collect the data. Five points Likert scale was used to examine the customers’ evaluation on the service quality and through statistical measures it analyze the problem. Garret’s ranking technique was applied to rank the qualitative data for analyzing challenges and required strategies of e-banking. The study reveals that from the customers’ assessment, e-banking saves time and hazard, facilitates quick and easier access to information, speedy transaction, receiving service easily, ensures accuracy, effectiveness and security, provides versatile service, anytime, anywhere banking facility. The study also found that technological disturbance, insufficient infrastructure, unavailability of service in rural areas, high service charge are the major challenges of e-banking service in Bangladesh. The customers suggests to develop infrastructure, upgrade technology, increase security measure, enhance promotion for developing customers’ awareness, introduce innovative initiative of Bangladesh bank, extend service across the country etc.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128533807","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Financial Stability Implications of Stress Testing for Risk Taking and Credit Growth","authors":"Orobah Ali Barghouthi, K. Islam","doi":"10.46281/AMFBR.V5I2.778","DOIUrl":"https://doi.org/10.46281/AMFBR.V5I2.778","url":null,"abstract":"This paper examined the literature on financial stability implication of stress testing for risk-taking and credit growth in banks. \u0000Macro prudential considered one of the most stress testing tools by Applying countercyclical Macro prudential tools to build up capital buffers in good times that can be run down during bad times. But to improve timing, monitories authorities may need to develop a comprehensive framework to monitor Macro prudential conditions and establish appropriate warning and trigger thresholds. Regarding scope, they examine the entire financial system. This entity contributes to fire sales whose default has follow-on effects, or which can exacerbate a credit crunch that is included. Liability Considerations contain a Scale of wholesale funding that is run-prone is paramount. Capital adequacy depends on the health of the overall financial system. For asset Considerations, the test indicates whether the financial system is vulnerable to deleveraging that might amplify adverse shocks, at the end authorities' development guidance about whether to close a bank and when to sell its assets to maximize taxpayer recovery. We have concluded that the financial stability implications of stress tests for risk-taking and credit growth among banks are the following: A reduction in credit is a feature on stress tests. Post-crisis reforms traded the expectation of lower credit growth for reducing the probability that the larger banks would fail. This has a high negative impact on the economy. Higher capital requirements for the larger banks have prompted a reduction in the supply of credit, especially to riskier borrowers. Smaller banks have increased their share of local market-wide lending, and larger businesses have seen quite generous credit availability in bond and leveraged loan markets. Consider the structure of the financial system and its complexity long the levels of economic integration and openness.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126637799","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"USA Income Distribution Counter-Business-Cyclical Trend","authors":"B. Bidabad","doi":"10.46281/AMFBR.V4I2.346","DOIUrl":"https://doi.org/10.46281/AMFBR.V4I2.346","url":null,"abstract":"In this paper, the L1 norm of continuous functions and corresponding continuous estimation of regression parameters are defined. The continuous L1 norm estimation problems of linear one and two parameters models are solved. We proceed to use the functional form and parameters of the probability distribution function of income to exactly determine the L1 norm approximation of the corresponding Lorenz curve of the statistical population under consideration. U.S. economic data used to estimate income distribution. An interesting finding of these calculations is that the distribution of income obeys counter-wise business cycles fluctuations. This finding is a new area for research in the realm of the theory and application of income distribution and business cycles interrelationship.","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"14 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125826282","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Insurance and Chain Bankruptcy Theory","authors":"B. Bidabad","doi":"10.46281/AMFBR.V4I1.288","DOIUrl":"https://doi.org/10.46281/AMFBR.V4I1.288","url":null,"abstract":"Abstract \u0000Purpose: This paper aims to explain the effects of the bankruptcy of one firm in other interrelated companies which are in connection with the bankrupted firm, and shows how the insurance breaks the chain of serial bankruptcy. \u0000Design: By economic analysis of insurance, the “chain bankruptcy” theory is put forward as a new theory. \u0000Findings: Through a mathematical-behavioral model, we will show how insurance breaks the chain bankruptcy in the economy. \u0000Research limitations: We have developed the case with simple modeling based on specific assumptions. In the next step, it would be extended to a more complicated and real set of assumptions. \u0000Practical implications: We show how insurance products can break serial bankruptcy in the economy. \u0000Social implications: It is shown that how insurance stabilizes the economy and make the business cycle oscillation range narrow. \u0000Originality/value: This approach is entirely different and new. \u0000Article Type: Research paper \u0000","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127450890","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"A Small Macro-Econometric Model","authors":"B. Bidabad","doi":"10.46281/AMFBR.V4I1.287","DOIUrl":"https://doi.org/10.46281/AMFBR.V4I1.287","url":null,"abstract":"Different sizes of macro-econometric models are used for different policy purposes. In this paper, we introduce a small macro-econometric model that includes macro-aggregates variables that can be solved dynamically and be used as a sample model to be estimated for other countries. \u0000","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"633 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123078084","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"It-Based Usury Free Financial Innovations","authors":"B. Bidabad, Mahmoud Allahyarifard","doi":"10.46281/AMFBR.V4I1.289","DOIUrl":"https://doi.org/10.46281/AMFBR.V4I1.289","url":null,"abstract":"Despite development and extension of different ways of financing in financial markets, encompassing Islamic and conventional financing, the mechanism of Electronic Funds Transfer (EFT) of  project financing both as borrowed and non-borrowed methods has not been considered at most. Moreover overall IT infrastructures development namely Real Gross Settlement System (RTGS), Automatic Clearing House (ACH), Scriptless Security Settlement System (SSSS) and International Bank Account Number (IBAN) for authentication process and the international meta bank network of Single Euro Payment Area (SEPA) and also international integrated banking networks including the Society For Worldwide Interbank Financial Telecommunication (SWIFT) and Interbank Information Transfer Network (Shetab), and other accomplished endeavors are not efficient in absorbing international contributions for project financing through foreign exchange funds in the different countries, satisfactory E-Payment mechanism in informative portal systems for investment projects are weak. In this way, the role of applying E-Payment systems for attracting foreign investment through retail resources mobilization and design of financial instruments with the capability of transacting in the secondary markets should be reconsidered. In this paper by having a glance at different types of investment project financing, we introduce a new project financing mechanism based on E-Payment with non-usury financial instruments to complete investment project financing chain in the form of Rastin Profit and Loss Sharing (PLS) banking.Sharia compliance of financing instruments in one side and accessibility in absorbing international retail foreign exchange sources on other side are two fundamental discussible items in this paper. In this way by designing a new system of \"Non-Usury Scriptless Security Settlement System\" (NSSSS) with non-usury mechanisms -avoiding legislative (Sharia) circumvention- can provide the two cited goals in designing non-usury financing instruments through IT-based non-usury financial innovations which includes of Rastin Certificates in Rastin PLS banking, and Non-Usury Bonds namely Rastin Swap Bonds. \u0000","PeriodicalId":302703,"journal":{"name":"American Finance & Banking Review","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129863927","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}