Banks and Bank Systems最新文献_第9页

The relationship between return on investment and Jordanian banks value 投资回报率与约旦银行价值的关系

Banks and Bank Systems Pub Date : 2023-03-20 DOI: 10.21511/bbs.18(1).2023.12

Mohammad Fawzi Shubita

{"title":"The relationship between return on investment and Jordanian banks value","authors":"Mohammad Fawzi Shubita","doi":"10.21511/bbs.18(1).2023.12","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.12","url":null,"abstract":"Bank stakeholders such as investors, creditors, and other stakeholders of a bank, expect full disclosure to evaluate banks’ financial statements. To achieve this goal, bank managers can increase the value of a bank by enhancing the return on their investments. This study examines the impact of financial performance on the market value of Jordanian public shareholding banks. The study model examines the effect of return on investment (ROI), debt ratio, dividend policy, and current ratio while controlling for bank size. Bank value is measured using the market value. The sample is Jordanian banks listed on the Amman Stock Exchange between 2005 and 2020. To investigate the link between the study variables, the random effect model, panel least squares approach, correlation analysis, and descriptive measures are used. The findings indicate that banks own 3.025 JD from current assets for each JD from current liabilities. In addition, the debt ratio is 38.4% from total assets. Adj R2 for the study model is 22.1%. The results show that profitability, leverage, and bank size significantly affect the value of Jordanian banks, while dividend policy and liquidity do not have a significant impact.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47732473","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}

引用次数: 1

Modeling Indian Bank Nifty volatility using univariate GARCH models 使用单变量GARCH模型模拟印度银行Nifty波动

Banks and Bank Systems Pub Date : 2023-03-17 DOI: 10.21511/bbs.18(1).2023.11

N. M. N., S. Chakraborty, L. B. M., Sanket Ledwani, Satyakam

引用次数: 0

Perspectives by green financial instruments – a case study in the Hungarian banking sector during COVID-19 绿色金融工具的视角——2019冠状病毒病期间匈牙利银行业的案例研究

Banks and Bank Systems Pub Date : 2023-03-09 DOI: 10.21511/bbs.18(1).2023.10

Anita Boros, C. Lentner, Vitéz Nagy, D. Tőzsér

{"title":"Perspectives by green financial instruments – a case study in the Hungarian banking sector during COVID-19","authors":"Anita Boros, C. Lentner, Vitéz Nagy, D. Tőzsér","doi":"10.21511/bbs.18(1).2023.10","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.10","url":null,"abstract":"Recently, the management of the green financial sector has been widely influenced by global socio-economic concerns such as the COVID-19 pandemic and the energy crisis. The purpose of this paper is to evaluate, besides their environmental attitude, what opinions and experiences the affected stakeholders have about the sustainability-related processes in the Hungarian banking sector in the early 2020s. To assess this subject extensively, two questionnaire surveys were conducted in two consecutive years (2020/2021 and 2021/2022), involving 600 and 1,600 participants randomly chosen from banking databases, respectively. The results indicate that both residential and corporate participants have various but broadening knowledge of green financial instruments. Hungarian residential customers have pointed out the inconveniences of the most popular green loan product (Green Home Program), while there appears a distinct difference in green investment preferences between the two groups of respondents. Hungarian stakeholders are quite eco-conscious, and so are banks adopting sustainability and climate risk assessment actions, however, the implementations have much potential to exploit. Respondents also identify the energy crisis-related risks, while their trust in the banking system remains high even under volatile circumstances. These findings demonstrate that the Hungarian green banking sector has a high degree of crisis resistance with residential and corporate stakeholders behind giving trust and thereby the driving force toward the successful green transition.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45969246","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}

引用次数: 5

Brand loyalty as a competitive advantage for South African banks 品牌忠诚度是南非银行的竞争优势

Banks and Bank Systems Pub Date : 2023-02-28 DOI: 10.21511/bbs.18(1).2023.09

C. Bisschoff, Dries Els

{"title":"Brand loyalty as a competitive advantage for South African banks","authors":"C. Bisschoff, Dries Els","doi":"10.21511/bbs.18(1).2023.09","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.09","url":null,"abstract":"This study investigates the role of brand loyalty in South African banking. More specifically, the study identifies brand loyalty factors in South Africa’s banking industry. Brand loyalty can significantly impact a bank’s competitiveness. Loyal customers do not switch banks and use more banking products; this earns a better income for a bank in the long run (such as home loans). The study’s primary aim is to identify factors of brand loyalty in South African banks. Data were gathered from South African banking customers using a Google Forms digitized format questionnaire with a 5-point Likert scale. More than 1,000 questionnaires were distributed, and 150 completed questionnaires were returned (representing a 15% response rate). The results show that the data are suitable for multivariate analysis. It has an adequate sample (Kaiser, Meyer and Olkin measure > 0.70), acceptable sphericity (p ≤ 0.05), and satisfactory reliability (α ≥ 0.70). The exploratory factor analysis identified four factors explaining a cumulative variance of 55%. These factors are: 1) customer service and satisfaction (34%); 2) negative publicity (7.5%); 3) regulatory compliance and trust (7.1%); and 4) trust and reputation (6.5%). South African bank managers can use the results to focus their brand loyalty strategies on their quest to be more competitive to face the strong competition in the banking industry.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-02-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45345060","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}

引用次数: 2

Effect of financial access on cashless economy: The case of Ukraine 金融准入对无现金经济的影响：以乌克兰为例

Banks and Bank Systems Pub Date : 2023-02-17 DOI: 10.21511/bbs.18(1).2023.08

Y. Bublyk, Yuliia Shapoval, Oleksii Shpanel-Yukhta, S. Brus

{"title":"Effect of financial access on cashless economy: The case of Ukraine","authors":"Y. Bublyk, Yuliia Shapoval, Oleksii Shpanel-Yukhta, S. Brus","doi":"10.21511/bbs.18(1).2023.08","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.08","url":null,"abstract":"The pandemic and wartime in Ukraine confirmed the importance of cashless payments for financial stability. The purpose of the paper is to examine the effect of technological infrastructure and financial access factors on cashless economy development. The impact of the infrastructure factor is assessed in case of Ukraine, using NBU’s data on payment infrastructure during 2001–2022. The hypothesis of the boosting effect of financial access towards a cashless economy has been tested using the method of correlation between M0/M3 and different indicators of financial access (usage of essential technologies, financial services) based on data of World Bank, IMF, and Triple-A in 2021. The study’s results show that globally there is an almost linear relationship between the number of open financial accounts and the increase in the level of cashless (0.954). It is also revealed that the rise of the share of the population making electronic payments decreases the share of cash in the economy. It is determined that the spread of the crypto-assets has a significant impact on the reduction of cash in the economy (an increase in the share of the population operating with cryptocurrencies by 1% reduces the share of cash by 0.5%). Regarding regulatory policies, it is proposed to stimulate the coverage of the population with open financial accounts, making mandatory payments with electronic payment systems and developing their infrastructure.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-02-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49345598","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}

引用次数: 4

The impact of COVID-19 and bank capital ratio on loan changes of ASEAN-5’s banking industry 新冠肺炎疫情和银行资本充足率对东盟五国银行业贷款变化的影响

Banks and Bank Systems Pub Date : 2023-02-17 DOI: 10.21511/bbs.18(1).2023.07

Michael Abraham Hukom, Arief Wibisono Lubis

{"title":"The impact of COVID-19 and bank capital ratio on loan changes of ASEAN-5’s banking industry","authors":"Michael Abraham Hukom, Arief Wibisono Lubis","doi":"10.21511/bbs.18(1).2023.07","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.07","url":null,"abstract":"The COVID-19 pandemic has affected economies around the world, including the banking industry, and this depends on various factors. The aim of this study is to understand the influence of COVID-19 independently and through the moderation of bank capital ratios on changes in loans of Association of Southeast Asian Nations 5 (ASEAN-5) banking industry players. The study uses a sample of 86 banking companies listed on the stock markets of Indonesia, Malaysia, the Philippines, Singapore, and Thailand from the first quarter of 2018 to the fourth quarter of 2020 by employing the panel data regression technique. The results showed that COVID-19 had a significant negative effect on changes in bank lending. However, a bank’s capital ratio was not found to play a role in moderating the effect of COVID-19 on changes in bank lending. These findings have three main implications: (i) the role of the government in recapitalization and liquidity injection can eliminate differences in behavior between banks with the classification of capital ratios; (ii) there are no signs of zombie lending in ASEAN-5’s banking industry; and (iii) regulating incentives to change bank lending behavior in future crises must take into account that bank capital categorization will not be effective.\u0000AcknowledgmentThis study was made possible with the support of a research grant by Universitas Indonesia number NKB-533/UN2.RST/HKP.05.00/2022.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-02-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45994296","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}

引用次数: 1

Nexus between information technology investment and bank performance: The case of Jordan 信息技术投资与银行绩效的关系:以约旦为例

Banks and Bank Systems Pub Date : 2023-02-15 DOI: 10.21511/bbs.18(1).2023.06

A. Al-Amarneh, H. Yaseen, Anas Ahmad Bani Atta, Lubna Khalaf

{"title":"Nexus between information technology investment and bank performance: The case of Jordan","authors":"A. Al-Amarneh, H. Yaseen, Anas Ahmad Bani Atta, Lubna Khalaf","doi":"10.21511/bbs.18(1).2023.06","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.06","url":null,"abstract":"Bank stakeholders, such as creditors, investors, regulators, and other bank stakeholders, expect continuous performance improvement. To achieve this goal, bank managers can use information technology (IT) as a strategic resource to improve their bank’s capabilities and accordingly gain competitive advantage. In this study, the profitability and efficiency of commercial banks in Jordan are compared to investment in information technology (IT). Return on equity (ROE), return on assets (ROA), and net interest margin (NIM) are used to measure bank profitability while controlling for bank size and financial leverage. Cost efficiency is measured using the cost efficiency ratio. The study sample consists of 13 commercial banks listed on the Amman Stock Exchange between 2010 and 2021. To determine the relationship between the variables, descriptive statistics, correlation analysis, the panel least squares approach, and fixed effects multiple regression models are used. The findings show that banks, on average, spend 0.61 percent of their total assets on information technology (hardware and software). Additionally, banks that invest in IT are predicted to perform better over time, as evidenced by their increased profitability and efficiency. Small banks have more IT investment as a percentage of assets than larger banks. In comparison to highly leveraged banks, less leveraged banks typically have a greater IT investment to asset ratio (0.69%). The findings show that profitable banks (measured by ROE) invest more than 1.1% of their total assets in IT. Meanwhile, highly efficient banks also invest more in IT (0.65%) compared to less efficient banks.\u0000AcknowledgmentWe are indebted to the Middle East University (MEU) - Jordan ) for the financial support needed for this article.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-02-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43328284","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}

引用次数: 4

Determinants of external auditor selection and firm performance from a commercial bank manager’s perspective: Evidence from Vietnam 商业银行经理视角下外部审计师选择与公司绩效的决定因素:来自越南的证据

Banks and Bank Systems Pub Date : 2023-02-10 DOI: 10.21511/bbs.18(1).2023.05

Ha Nguyen Van, Hai Phan Thanh, Giang Ha Hai

{"title":"Determinants of external auditor selection and firm performance from a commercial bank manager’s perspective: Evidence from Vietnam","authors":"Ha Nguyen Van, Hai Phan Thanh, Giang Ha Hai","doi":"10.21511/bbs.18(1).2023.05","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.05","url":null,"abstract":"Financial statements of Vietnamese commercial banks must be audited annually by an auditing firm according to the Government’s regulations. This study identifies factors associated with firm performance and external audit selection. The decision to choose an auditing firm is considered an intermediate variable to determine the degree of impact of some factors on the performance of commercial banks. This study was conducted by interviewing 265 managers holding high positions as CEOs and CFOs at 30 commercial banks in Vietnam. The non-probability sampling method was applied. The survey was produced using Google Forms and sent directly to participants. Structural Equation Modeling (SEM) is applied to test hypotheses. The results show that except for the complexity of a firm, the factors such as legal environment, audit fees, audit firm size and reputation, bank governance, audit experience, and relationship positively impact external auditor selection. Besides, external auditor selection significantly affects firm performance. This study’s conclusions from the viewpoints of bank managers open the door to promising and timely future research. It is necessary to deepen and broaden academic understanding of the ideas and determining elements influencing external auditor selection and firm performance. More research is needed to fully comprehend this problem and move towards a policy solution.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42045252","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}

引用次数: 1

Payment and settlement system in Saudi Arabia: A multidimensional study 沙特阿拉伯的支付和结算系统：多维研究

Banks and Bank Systems Pub Date : 2023-01-13 DOI: 10.21511/bbs.18(1).2023.04

Anis Ali, Anas A. Salameh

{"title":"Payment and settlement system in Saudi Arabia: A multidimensional study","authors":"Anis Ali, Anas A. Salameh","doi":"10.21511/bbs.18(1).2023.04","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.04","url":null,"abstract":"A country’s payment and settlement system refers to payment means or instruments, procedures, supportive and technical services of clearance, fund transfer, and final settlement. To study the various dimensions of the payment and settlement system, an online survey was administered and 240 responses were collected from Saudi and non-Saudi nationals, while secondary data were obtained from the SAMA (Saudi Arabian Monetary Authority) website. Index numbers, percentages, ranks, Average Trend Growth Rate, and payment weights means are applied to get the mutual growth trend, average growth, and contribution of specific means in payment and settlement in Saudi Arabia. There are negative trends in the traditional payment and settlement system in Saudi Arabia. Based on the value (amount) of transactions, Mada (Debit card) and E-payment (SADAD – a payment system, and SARIE – Saudi Arabian Riyal Interbank Express) are the most significant contributors to online payment (51.63%), while POS (point of sale) is the fastest-growing (158%) means of payment and settlement in Saudi Arabia. The means of traditional payment and settlement negligibly (< 1%) contribute to the payment and settlement system in Saudi Arabia. The analysis of responses reveals that payment and settlement users were unsatisfied with the various dimensions of security (39%) and traceability (35%) of the payment and settlement systems in Saudi Arabia. All dimensions of security and traceability must be considered to increase the degree of satisfaction with payments and, in particular, settlements in Saudi Arabia.\u0000Acknowledgment The authors are grateful to the Deanship of Scientific Research, Prince Sattam Bin Abdulaziz University, Alkharj, Saudi Arabia, for providing funding to complete this project (Project No. 2021/02/18709).","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46543497","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}

引用次数: 3

Impact of business enablers on banking performance: A moderating role of Fintech 业务推动因素对银行绩效的影响:金融科技的调节作用

Banks and Bank Systems Pub Date : 2023-01-10 DOI: 10.21511/bbs.18(1).2023.02

Ayman Abdalmajeed Alsmadi, Najed Alrawashdeh, Anwar Al-Gasaymeh, Heba Al-Malahmeh, Amer Moh’d Al_hazimeh

{"title":"Impact of business enablers on banking performance: A moderating role of Fintech","authors":"Ayman Abdalmajeed Alsmadi, Najed Alrawashdeh, Anwar Al-Gasaymeh, Heba Al-Malahmeh, Amer Moh’d Al_hazimeh","doi":"10.21511/bbs.18(1).2023.02","DOIUrl":"https://doi.org/10.21511/bbs.18(1).2023.02","url":null,"abstract":"The main purpose of this paper is to examine the impact of business enablers and financial technology (Fintech) on the banking industry in order to determine whether it is an opportunity or a disruption. The applied research design is quantitative, and the hypotheses and the model were tested. To achieve the objectives, the study used a questionnaire to collect data. 150 managers in Saudi Arabia banks were surveyed. The participants provided 130 substantial and valid responses, and the PLS-SEM technique was used. Based on the analysis, it was concluded that the presence of business enablers facilitated Fintech progress, which led to the increase in bank performance, from the economic, social and environmental point of view. In addition, Fintech also plays a mediating role, by increasing the positive impact of business enablers. Therefore, Fintech provides several opportunities, not a disruptive technology, for the banking industry. The research paper explains the importance of Fintech progress in Saudi Arabian banking. Many have viewed Fintech as a disruptive technology, but this study found that it presents various opportunities for the Saudi Arabian banking industry.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46956392","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}

引用次数: 9