Bank Management

Centre for Management and Economic Research (CMER) Lahore University of Management Sciences (LUMS) Opposite Sector 'U', DHA, Cantt, Lahore, 54792 Pakistan URL:http//ravi.lums .edu.pk/cmer ... Abid. A. Burki Director CMER Associate Professor, Economics School of ...

We investigate the relationship between banks' capitalization and risktaking behavior. The conventional wisdom is that well-capitalized banks are less inclined to increase asset risk, because the option value of deposit insurance decreases with capitalization. There are, however, at least three shortcomings in the existing theories that cast doubt on the validity of the conventional wisdom. First, many studies neglect agency problems arising from the separation of management and ownership. Second, past studies rely on limited risk-return profiles of the asset choice set and do not consider profiles in which higher risk is associated with higher return.

Companies voluntary embody social and environmental actions via Corporate Social Responsibility (CSR). In this paper we indicate CSR polic ies in banking sector in Greece and we study the banks customers' perceptions regarding their banks' CSR polic ies. We present the ten biggest banks in Greece and we ind icate the charitab le programs and sponsoring that they offer in general during the last years in Greece. The present study empirically investigates the customers' perception regard ing CSR polic ies of banks; we study if they have really understood the meaning of CSR. Specifically, it is estimated whether customers believe that banks really wish to help society and the environment or they just wish to improve their sales and increase their profits. Under this framework, the results of empirical research are presented and the relevant find ings are d iscussed.

When major commercial Banks are now looking towards the emerging markets of rural India, Regional Rural Banks (RRBs), which were set-up specifically for the rural sector, have had a bitter experience on the very same market. For many years, RRB’s performance and service quality both remained a cause of concern. To strengthen the functioning of these RRBs, many reform measures, including amalgamation, have been initiated in the recent past. As considerable time and effort have been given on this reforms-measure, time has come to assess whether ‘amalgamation’ of RRBs has helped in improving its working-efficiency and the service-quality, provided by the banks. Paper studies the evolution and growth of RRBs and then tries to find, how demographic variables influence the service-quality in rural banking. The study is made on the newly formed Odisha Gramya Bank (OGB), made by amalgamation of existing RRBs, those operated in 13 districts of Odisha. Both primary and secondary data are used...

world's total annual milk supply. India has witnessed an increasing trend of goat milk production with a growth rate of 3.82 per cent during 2015-16 (www.nddb.org). Caprine milk fat have smaller fat globules, it is easier to digest than cow milk. Further, the exact composition varies according to many factors like breeds, individual animal, lactation, health condition, environmental condition etc. (Yadav et al., 2016). Caprine milk and its products are highly nutritious, health benefits

The issue of the conflicting interest between liquidity and profitability of banks has always been a lingering issue in the Nigerian banking system. The broad objective of this study was to assess the effects of liquidity management on performance of deposit money banks (DMBs) in Nigeria. Four specific objectives were made from the broad objective which includes: to determine the relationship between liquidity ratio and profitability, to ascertain the relationship between cash to deposit ratio and profitability among others. To address the objectives, research questions and stated hypotheses, relevant data were gathered from CBN and NDIC annual publications for 16years covering 2000-2015 The data were presented in tables and based on the models specified; the hypotheses were tested using regression analysis by employing a statistical package E-view 8.0. The result of the OLS showed that there is a negative and significant relationship between liquidity ratio and DMBs’ profitability ...

In the past, knowledge is created and transcribed in the textual records. Hardcopy books, newspapers and notes are some of the major channels which share the knowledge. In the knowledge explosion era, the World Wide Web provides another new channel which even spread the news, knowledge and information in a faster and quicker way. Whilst the banks in the old days mainly sell business, modern banks also sell knowledge. Banks with the most updated information will successfully retain their competitive edge. This paper aims at reviewing the knowledge management, sharing and creation in the developing countries' banking industry via extensive journal articles review.

KATA PENGANTAR

Beberapa hal yang baru selalu muncul mengikuti perkembangan dunia yang semakin cepat berubah karena adanya teknologi-teknologi terkini yang hadir.  Perubahan itu suatu hal yang pasti tanpa seorangpun bisa mencegahnya. Lihat saja kehadiran ponsel canggih (smartphone) telah mengubah seluruh wajah dunia dalam satu genggaman.  Semuanya ada di dalam genggaman termasuk informasi-informasi mengenai bank dan lembaga keuangan.  Saat ini seorang dosen dituntut untuk berkreativitas dan berkoneksitas dengan teknolgi canggih dibidangnya jika ingin maju dan tidak ketinggaln zaman.
Dalam bidang perbankan ada perubahan yang cukup signifikan yaitu hadirnya Otoritas Jasa Keuangan (OJK) sebagai lembaga independen yang mengawasi bank mengantikan posisi yang dulu ada ditangan Bank Indonesia.  Tidak itu saja, OJK juga hadir sebagai lembaga pengawas lembaga keuangan non bank yang sebagian dulu berada dibawah kendali BAPEPAM-LK.  Kehadiran OJK sebagai lembaga baru dibidang pengawasan bank dan lembaga keuangan non bank mengubah banyak hal pada buku-buku teks tentang bank dan lembaga keuangan non bank yang  beredar saat ini. Begitu juga dengan kehadiran Lembaga Penjamin Simanan(LPS) sebagai lembaga penjamin simpanan nasabah di bank.
Penulis mencoba menyelami dan mengambil suatu kesempatan untuk mencoba menulis buku  sesuai kondisi terkini di bidang perbankan dan lembaga keuangan mengikuti perubahan-perubahan yang sedang  terjadi.  Perubahan-perubahan yang juga sangat terasa itu diantaranya dengan kehadiran Fintech sebagai salah satu pemain baru di bidang penyaluran kredit secara online berbasiskan internet (branchless) yang otomatis menjadi lembaga keuangan non bank yang berada dibawah asuhan OJK.  Disamping itu  juga kehadiran Lembaga Keuangan Mikro baik konvensional maupun syariah yang tentunya menunggu regulasi dari pemerintah dan lembaga yang mengawasinya yakni OJK. .
Pada bagian pertama buku ini yang terdiri dari sembilan bab yang membahas tentang lembaga keuangan bank yang teridiri dari (1). Overciew Lembaga Keuangan, (2). Sejarah Bank, (3). Bank Indonesia, (4). Bank Umum, (5). Kegiatan Menerima Dana, (6). Kegiatan Menyalurkan Dana, (7). Kegiatan Layana Jasa,  (8). Bank Syariah, dan (9). BPR.  Dalam bab ini Penulis mencoba menghadirkan suatu hal yang baru dengan memadukan pengalaman dibidang profesional sebagai seorang karyawan di industri perbankan, finance dan pasar modal yang dikombinasikan dengan pengalaman sebagai akademisi dibeberapa perguruan tinggi selama belasan tahun lamanya. 
Pada bagaian kedua buku ini yang terdiri dari sebelas bab, yang membahas tentang lembaga keuangan non bank yang terdiri dari (1) Fintech, (2) Perusahaan Pembiayaan Insfrastruktur, (3) Leasing, (4). Anjak Piutang, (5). Kartu Kredit, (6). Modal Ventura, (7). Pegadaian,  (8). Asuransi, (9). Pasar Modal, (10). Pasar Uang dan Valuta Asing,  dan  (11) Dana Pensiun yang  juga tidak terlepas dari pengalaman penulis sebagai seorang profesional di bidang keuangan seperti di perusahaan Leasing, di bidang pasar modal, di bidang asuransi dan bidang keuangan lainnya yang pernah bersentuhan dengan pekerjaan yang lalu. 
Pada pembahasan bab 3 buku ini terdiri dari dua bab yang membahas tentang lembaga keuangan independen merupakan suatu hal yang baru secara terpisah dari lembaga keuangan bank dan non bank. Penulis menambahkan lembaga keuangan independen sebagai salah satu unsur dalam lembaga keuagan yang secara fungsinya tidak melakukan kegiatan menerima dana (saving), menyalurkan dana (lendingg/financing) dan melayani jasa  (service). Lembaga keuangan independen menjalankan fungsinya sebagai pengaturan, pengawasan, pemeriksaan dan penyidikan  serta penjamin kegiatan lembaga keuangan bank dan non bank.  Lembaga keuangan independen ini terdiri dari; (1).  Otoritas Jasa Keuangan (OJK) dan (2). Lembaga Penjamin Simpanan (LPS)). Penulis sangat menyadari bahwa buku ini belum sempurna dan setiap pekerjaan itu pasti ada kekurangannya, termasuk dalam hal penulisan buku ini. Masih  banyak  yang harus  penulis pelajari dan kuasai.   
Buku ini hadir setelah dua tahun berjalan dalam proses penulisannya. Terkadang energi menulis ini begitu besar, teradang juga surut  karena berbagai hal. Dengan kehadiran buku ini, penulis sangat mengharapkan dukungan doa dan pemikirannya untuk kembali menyiapkan buku tentang pengalaman sebagai Account Officer di perbankan syariah.  Semoga buku ini bermanfaat bagi seluruh pembaca yang budiman.  MERDEKA
Banjarmasin,  Desember 2019

SYAFRIL

Page 1. WILEY NAUTICAL Peter Aitken and Tim Davison The ma Lifeboats Mirror Book Mirror Sailing from Start to Finish Page 2. International Bank Management Dileep Mehta and Hung-Gay Fung Page 3. Page 4. International Bank Management Page 5. Page 6. ...

“BANK DAN LEMBAGA KEUANGAN MODERN LAINNYA”

Buku ini dirangkum berdasarka pengalaman penulis selama mengajar nahasiswa untuk mata kuliah “Bank dan Lembaga Keuangan Lainnya” di Perguruan Tinggi. Dari pengalaman mengajar tersebut diketahui  telah terjadi beberapa perubahan kebijakan dan aturan mengenai lembaga keuangan bank maupun lembaga keuangan non bank di Indonesia, misalnya pengawasan bank yang semula berada di bawah pengawasan Bank Indonesia kini sudah beralih ke Otoritas Jasa Keuangan, disamping  itu juga hadirnya lembaga keuangan baru seperti Financial Technology yang masih sedikit referensinya.  Untuk  menambah pengetahuan dan wawasan penulis mencoba untuk menghadirkan buku ini. 
Mahasiswa dan msyarakat umum bisa menjadikan buku ini sebagai  salah satu referensi  untuk mengenal  berbagai lembaga keuangan, baik itu bank maupun non bank.  Disamping  itu,  buku ini tentunya  tidak terlepas dari berbagai kekurangan dan membutuhkan  saran  dari pembaca yang budiman.


Syafril, SE,.MM  lahir di Pekanbaru dan menyelesaikan pendidikan dasar dari SD, SMP dan SMEA jurusan Tat Buku di kota Pekanbaru – Riau.  Melanjutkan pendidikan sarjana (S1) Akuntansi di Sekolah Tinggi Ilmu Ekonomi (STIE) Widya Wiwaha Jogjakarta, dan menyelesaikan pendidikan pascasarjana (S2)  Magister Manajemen konsentrasi Manajemen Pemaasaran  di Universitas Lambung Mangkurat Banjarmasin.  Saat ini menjadi Direktur di perusahaan milik  sendiri  dan juga menjadi  dosen di  ASMI Citra Nusantara dan Universitas Islam Negeri Antasari Banjarmasin.  Penulis mempunyai pengalaman berkerja sebagai  Internal Auditor di PT. Salim Indoplantation, dan pada beberapa posisi dan daerah penempatan di PT Bank Syariah Mandiri, dan juga pernah berkerja kurang dari setahun di perusahaan finance dan pasar modal.

The high utilization rate of Automated Teller Machine (ATM) has inevitably caused the phenomena of waiting for a long time in the queue. This in turn has increased the out of stock situations. The ATM utilization helps to determine the usage level and states the necessity of the ATM based on the utilization of the ATM system. The time in which the ATM used more frequently (peak time) and based on the predicted solution the necessary actions are taken by the bank management. The analysis can be done by using the concept of Data Mining and the major part are analyzed based on the predictive data mining. The results are predicted from the historical data (past data) and track the relevant solution which is required. Weka tool is used for the analysis of data based on predictive data mining.

2.3. Relative posizioni dei singoli stati europei 2.4. Regolamentazione da parte delle autorità cinesi 3. Shadow banking e moneta virtuale 3.1. Bitcoin: la moneta che sfida le banche 4. Caratteristiche e modalità d'uso della cyber moneta 4.1. Meccanismo del mining 4.2. Istituti di Exchange 4.3. La questione della fiducia 4.4. Crollo del mercato Mt.Gox 4.5. Vantaggi e somiglianze con la moneta tradizionale 4.6. Possibilità di utilizzo 4.7. La critica di Paul Krugman 5. Bitcoin come investimento 5.1. Derivati sui bitcoin Documenti Sitografia

Recently banks witnessed rising non-performing credit portfolios and these significantly contributed to financial distress in the banking sector. Banks collect deposits and lends to customers but when customers fail to meet their obligations problems such as non-performing loans arise. This study evaluates the impact of credit management on financial performance of Nigerian banks, with particular reference to UBA Plc. Financial ratios as measures of bank performance and credit indicators were the data collected from secondary sources mainly the annual reports and accounts of sampled banks from 2004 -2008. Descriptive, correlation and regression techniques were used in the analysis. The findings revealed that credit management has a significant impact on the profitability of Nigeria banks. Therefore, it is recommended that management need to be cautious in setting up a credit policy that might not negatively affects profitability and also they need to know how credit policy affects the operation of their banks to ensure judicious utilization of deposits.

The study critically examines the factors that influence the profitability level of commercial banks in Nigeria. Panel data method was employed to analyze time series and cross-sectional data gathered from 2000 to 2013 on a sample of fourteen banks. Profitability is measured with return on assets as a function of some internal and external determinants, which includes; capital adequacy ratio, asset quality, management efficiency, liquidity ratio, inflation, and economic growth. The findings revealed that asset quality, management efficiency, and economic growth are the determinants of commercial banks’ profitability. They were found to be statistically significant on profitability in both the fixed effect and random effect models. Asset quality was highly significant in all the models; thus concluding that credit risk is a major determinant of commercial banks’ profitability.

The study examines the effect of bank management on rural economic development with particular reference to commercial bank credit and rural economic development in Nigeria. The presence of a unit root in the time series data was tested using Augmented Dickey-Fuller (ADF) test, within the context of Ordinary Least Square (OLS) framework, and a double-log equation. Estimated regression model indicates that there is a positive and significant relationship between rural contribution to GDP (RGDP), a surrogate for rural economic development, and commercial banks credit to agriculture. The paper also reveals a passive commitment of the bank to financing SMEs and its weak drive for rural deposit mobilisation. The paper therefore, underscores the relevance of bank finance to enhancing rural and SMEs development to the nations' economy. The paper recommends that monetary authority in Nigeria should ensure that banks adhere to monetary policy targets in order to enhance the campaign for rural economic development, and deepen financial inclusion of rural dwellers and small scale businesses, otherwise failure of which will continue to hurt rural lending and SMEs financing. Realizing that not so much have been achieved in the area of rural deposit mobilization, the paper also makes a campaign for an aggressive rural deposit mobilization by commercial banks.

This paper was presented at the National Conference of Entreprenuerial, Engineering and Education on 25-26 September 2010 at Kelantan Trade Centre, Malaysia. The Conference was jointly organised by UTHM in collaboration with UMK.

Abstrak:  Sistem rujukan kredit merupakan sistem yang digunakan di institusi kewangan bagi menyemak status kredit pelanggan sebelum sesuatu pinjaman itu diluluskan. Sistem rujukan kredit ini akan memudahkan lagi  kerja pegawai kredit dalam menyemak status kredit dan kebolehan peminjam samaada individu atau perniagaan dapat membayar balik pinjaman dengan hanya memasukkan nombor kad pengenalan pelanggan kedalam sistem rujukan kredit seperti CCRIS dan CTOS. Namun begitu, ada juga masalah yang timbul dari penggunaan sistem ini. Ini disebabkan ada maklumat yang disediakan itu ada yang tidak tepat dan tidak dikemaskini. Kajian ini dilakukan bagi mengenalpasti peranan sistem rujukan kredit. Kaedah kajian kes yang telah digunakan  melibatkan temubual dan tinjauan ke institusi kewangan di sekitar Parit Raja dan Batu Pahat. Hasil daripada kajian ini  dianalisiskan dan  peranan sebenar sistem rujukan kredit dilapurkan. Secara terperincinya, didapati bahawa tanggungjawab untuk menjaga rekod yang baik adalah terletak pada individu atau perniaga itu sendiri. Satu perkara yang  dapat di setujui  adalah Malaysia perlu ada biro sistem rujukan kredit yang telus pada kedua-dua pembayaran balik pinjaman yang baik ataupun buruk untuk keyakinan pada sistem kewangan.

Katakunci: sistem rujukan kredit, pinjaman bank, CTOS, CCRIS, disenarai hitamkan
DOI: 10.13140/RG.2.1.1893.5768

Achieving of sustainable economic growth of Sri Lanka essentially depends on the Banking sector contribution which plays a vital role. Sri Lankan banking sector after the post war boom in 2009 is playing in a stable platform at present. This has created an intensified competition among the banks and unless competitive strategies are formed sustaining and increasing market share has become a remote target. The target population of this research consisted of 41,098 staff members, employed by the selected 11 Domestic Commercial Banks of Sri Lanka. The sample size was arrived at 381. The purposive sampling on convenience basis was used to obtain and gather reliable information and considering the knowledge required to answer questionnaire pertaining to strategies in the right manner.

Segmentation and targeting are cited as being a core part of marketing strategy for any organisation.  This paper examines whether the top ten Australian Banks have successfully managed to segment the market and target consumers with different profiles.  A sample of 52000 Australian households from the Roy Morgan Single Source Survey was utilised to profile users of Australia’s top ten banks by market share.  The results suggest that there has been little difference in profiles of consumers across most Australian banks.  The results challenge the ability of financial service companies to successfully implement segmentation.

Social Islami Bank Limited (SBL) is a private commercial bank in Bangladesh registered under the Companies Act, 1994. SIBL incorporated in 5th July 1995 and being into its commercial operation on 22nd November with a view to provide exclusive service facilities to its client and accordingly meet the demand of banking service all over Bangladesh. During the short span of its operation the bank had been widely acclaimed by the business community from small business persons to industrial conglomerates for forward looking business outlook and innovative financial solution. The study has been conducted for around three month. In the three month I prepared a report which consists of several Parts & Chapters. I discussed about the objective, scope, limitation of the studying the introduction part. I also discussed about the organization and overall history of SIBL, their product information, Strength, Weakness and their major competitors. During the internship period, the scope of the work was fast as I was assigned to work in every department of the bank in Maijdee Branch, I have tried to observe and understand the all banking activities especially general banking activities and other day to day functions performed in this branch. During my working on SIBL Maijdee Branch, I have found some lacking from my observation. I have tried to recommend some solution to solve these problem and conclusion based on my study. Through the report I mainly try to critically review the General Banking Activities especially Account opening and bills& clearing section at Maijdee Branch of Social Islami Bank Limited Bangladesh.

The business needs innovation in bank products and the banks should not be so traditional and conservative anymore. In order to hold and attract customers banks should innovate their products, processes and organization. The purpose of this paper is to present and summarize the innovative business bank products on the Bulgarian market, which were launched during the last several years. The innovative bank products will be grouped in new categories to support their future development and diversification. The paper is also going to present brand new bank products, which have not been provided in the local bank-business sector yet. For those two purposes an extensive research on the leading banks' product range as well as interviews with top bank managers has been conducted. The results show strong focus on innovations in bank products, organization and processes, which is provoked mainly by the increasing customers' requirements. The research concludes that the business requires innovative bank products to respond to its expanding needs.

Cross selling can be a highly effective tool for acquiring new clients to the bank and encouraging multiple product holdings by an individual customer. This study investigates the extent to which the different components of attitudes affect towards motivation to product cross selling of banking sector in Sri Lanka. Three main components as cognitive, affective and behavioral attitudes were identified as independent variables and statistically analyzed to establish their relationship with motivation to product cross selling. The sample covers 230 front line bank employees working in Colombo District branches. The data was collected through a structured questionnaire. Results of the univariate analysis reveal that all three components in relation to attitude have positive associations with motivation to cross selling. More interestingly, the multivariate regression results of our analysis reveal that behavioral attitudes of front line staff is the most influencing attitude component which affect product cross selling. Hence, the results of the study highlight the importance of making past cross selling efforts of employees a positive experience in order to further motivate them towards cross selling.

This is an age of technology. Now, all types of organizations are adopting the modern technology for providing efficient services to the customers. This study is an attempt to find out the significant factors that affecting the customer " s satisfaction in ATM (Automated Teller Machine) service in Dhaka city. The results of reliability test, factor analysis, and regression analysis focuses that cost of services of ATM, ATM network, security in transactions of ATM, location of ATM Centers, and maximum withdrawal limit per day are the most vital factors in customers satisfaction of ATM services. Finally , it is evident from the study; overall 62% of the customers are satisfied by using ATM services in Dhaka city.

Bangladesh Bank Important General Knowledge for Bank Recruitment Test (Part 2)
1)The headquarter of CIRDAP is in Dhaka 2) The first parliamentary election of Bangladesh was held in-1973 3) The governance structure of Bangladesh is parliamentary. 4) Bangladesh Bank was established in-1971 5) Dhaka division consists of-17 districts 6) Bangladesh got the membership of the United Nations is in-1974

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Web site: https://time4learningschools.blogspot.com/

This current research aims to identify the most important factors affecting Iraqi commercial banks using the CAMELS model. The research was based on a sample of (13) Iraqi commercial banks listed in the Iraqi Stock Exchange. The CAMELS, which consists of (30) equation, was used for the research. The economic inflation and other economic factors affecting the distribution of the financial ratios of the equations on five levels within the CAMELS standard were considered. An algorithm was adopted in the MATLAB program, in addition to adopting statistical categories method, taking the large differences between one ratio and another and adjusting the categories according to the standards of (CAMELS). The research found that Iraqi banks suffer from weaknesses in some sensitivity aspects of market risks and unable to handle the heavy shocks in market risks as well as its low management, other details are mentioned in the summary.

The CBN Governor noted that the vision or prospect of the CBN and the Federal Government of Nigeria is a banking system that is part of the global change, and which is strong and reliable. It is a banking system which must be efficient, depositors can trust and investors can rely upon. Using descriptive approach, this paper provides an in-depth analysis of the causes, consequences and implication of the policy thrust of the recent bank capitalization/consolidation of the Nigerian deposit money banks (formerly known as Commercial banks). The implications of this paper amongst others, is that reforms, remain a major tool for banking soundness, especially in the light of the recent global financial meltdown.

This study investigates the determinants of African bank profitability while controlling for bank capital regulation. Using static and dynamic panel estimation techniques, the findings indicate that that bank size, total regulatory capital and loan loss provisions are significant determinants of the return on assets of listed banks compared to non-listed banks. Also, regulatory capital has a more significant (and positive) impact on the return on assets of listed banks than non-listed banks particularly when listed banks have sufficient regulatory capital ratio. We also find that higher regulatory thresholds have a negative impact on the return on asset of non-listed banks. JEL Code: E44, G21.