Economic fundamentals are strong, the regulatory climate is favorable, and transformation technologies are more readily accessible, powerful, and economical than ever before. A decade after the financial crisis, the global banking industry is on firmer ground. There may be no better time than now for banks to reimagine transformation and pursue strategic change in What are the key trends, challenges, and opportunities that may affect your business and influence your strategy? Discover more Industry Outlooks.
The Contract of Guarantee.
Contract of guarantee is part of the law of contract. See Treitel 10th Edition by G. A guarantee is an accessory contract i. See the case of Moschi v. R at HL per Lord Diplock. Thus,obligations created by a contract are not all of equal importance. But, one term may be of major importance, whose breach could lead to a discharge of the contract; while another term may be a relatively minor one whose breach could result only in damages. See the case of Beta Glass Plc. Commercial banks activities have direct impact on the people who forms the part of their clientele base.
This paper endeavored to know the approaches and progressions of discharging the corporate social responsibilities CSR of the This paper endeavored to know the approaches and progressions of discharging the corporate social responsibilities CSR of the commercial banks in Bangladesh CBBs. The study also attempted to know the perceptions of stakeholders about the corporate social responsibility practices of commercial banks of Bangladesh with the help of non-parametric Mann-Whitney Test. A survey was conducted during the period of December to March to fulfill the objectives. Results showed that the bankers and the clients' perceptions concerning the social responsibility issues of commercial banks of Bangladesh were not significantly different.
The study concludes that corporate social responsibility of Bangladesh commercial bank businesses are progressively changing from the strong economic and legal jurisdiction to the ethical and discretionary features. The paper aims to analyze the impact of interest rates changes made by Central Bank Reserve Bank of India on the profitability of Indian commercial banks by studying the financial statements of major banks during the period to The paper aims to analyze the impact of interest rates changes made by Central Bank Reserve Bank of India on the profitability of Indian commercial banks by studying the financial statements of major banks during the period to From the previous few years, interest rate spread of banking sector in India is rising.
Due to deviations in the interest rate, the savings and investment are depressed and on the other hand it increases the efficiency of banks lending. In this paper interest rate is taken an independent variable and while the bank profitability is a considered as dependent variable.
View Commercial Bank Research Papers on izusajejijus.tk for free. View Banking Research Papers on izusajejijus.tk for free. especially internet banking adoption, has become a vital issue in the business world today.
To examine the impact of interest rate changes on the profitability of commercial banks in India, Pearson correlation method and regression analysis are used. Hence, it has been observed that there is high degree and positive correlation between interest rate and commercial banks profitability. Diese Straftaten Grundgesetzverletzungen unterliegen dem Strafgesetzbuch. Fuzzy logic model of soft data analysis for corporate client credit risk assessment in commercial banking.
This paper deals with the use of fuzzy logic as a support tool for evaluation of corporate client credit risk in a commercial banking environment. It defines possibilistic distribution of soft data used for corporate client credit risk It defines possibilistic distribution of soft data used for corporate client credit risk assessment by applying fuzzy logic modeling, with a major goal to develop a new expert decision-making fuzzy model for evaluating credit risk of corporate clients in a bank. Currently, predicting a credit risk of companies is inaccurate and ambiguous, as well as affected by many internal and external factors that cannot be precisely defined.
Unlike traditional methods for credit risk assessment, fuzzy logic can easily incorporate linguistic terms and expert opinions which makes it more adapted to cases with insufficient and imprecise hard data, as well as for modeling risks that are not fully understood. Fuzzy model of soft data, presented in this paper, is created based on expert experience of corporate lending of a commercial bank in Bosnia and Herzegovina.
This market is very small and it behaves irrationally and often erratically and therefore makes the risk assessment and management decision making process very complex and uncertain which requires new methods for risk modeling to be evaluated. Experts were interviewed about the types of soft variables used for credit risk assessment of corporate clients, as well as for providing the inputs for generating membership functions of these soft variables. Migdat Hodzic. Enis Dzanic. As part of EY's commitment to support the financial industry with information from different types of customers banks, we are launching our research on commercial banks.
It is fundamental to analyze this important group banking customers It is fundamental to analyze this important group banking customers due to their particular relationship nature, which makes it one of the most difficult to attend. For the preparation of this research, we used data referring to obtained by means of interviews with executives from more than 2, companies in 24 countries.
In Brazil, we have the participation of 47 medium to medium-sized companies. The analysis of the sample of Brazil allows to understand how the companies relate to the providing institutions of financial services today and also how they intend to relate in the future, anticipating their needs. There is much similarity between the behavior of Brazilian companies and that of their global counterparts, interesting features in our market, which are presented in this complementary insert to global research.
It is important to note that the satisfaction of Brazilian companies with their banks generates significant leverage in the average number of products consumed by its main financial institution, almost double that observed in the world. In this context, finding ways to improve customer satisfaction is key, and banks should continue to act in a timely manner with companies. Companies also want to do more business with their banks through digital channels, such as customers more and more frequent. In Brazil, we noticed high utilization of this channel, significantly greater than the global average, making the search for usability, functionality and security strategy of serving the segment companies in financial institutions.
As a result of the banks' efforts to operating in Brazil, the satisfaction of Brazilian customers with digital channels is above the world average. The relationship model of the companies with their banks is very concentrated in the figure of the manager of relationship. However, the needs of companies are not homogeneous, and banks must refine their models segmentation using criteria that go beyond traditional revenue, sector and geography filters.
In our analysis, we classify the companies into three distinct groups with well-defined financial demands: "increasingly international "," traditional "and" diverse and dynamic ", the latter group being subdivided according to their use of technology. Based on this segmentation, banks can align their service models customer demands, with greater emphasis on dedicated managers or digital channels.
We hope that this study will help banks in Brazil to further understand the business segment so that they can continue to deliver financial services of excellence. We are on hand to explore the details that could not be included in this insert and the more granular results of our research.
Related Topics. Follow Following. Country of Origin. Bank Performance. Consumer Behaviour. Financial Statement. Hospitality Industry Research Hotel.
Radisson Hotel. In the table above shows that Standard Bank had a higher cost to income between and When the ratio is lower it is better for the bank in terms of efficiency. The above table presents Liquid Assets to Deposits computed data for four commercial banks operating in Namibia between and The liquidity in a bank is like life in human body.
A commercial bank should be at all cost in a position to meet its obligations when demand arises. It is important to have a mixture of liquid and non-liquid asset. Liquid asset can be converted into cash quickly and with minimal impact to the price received. Liquid asset is regarded as cash because its prices are relatively stable when it is sold on the open market and it is good for short term borrowings.
But the higher liquidity may also mean higher risk undertaken from the bank and it may decrease profit. In the table above shows that First National Bank had better liquidity position in than other three banks, with But the overall assessment shows that Standard bank experienced high liquidity position than other banks during the period under study. In this chapter the summary of findings from the data analysis and are presented using graphical presentations.
This section discusses the summary of findings, conclusions derived from the study, recommendation and suggestions of further study. The graphs above show that FNB performed better in the period - The results show that FNB performed better than other three commercial banks in terms of capital level.
Its lowest total capital was It decreased from The least performing bank in terms of total capital ratio in this period was Bank Windhoek. The overall NPL performance shows that standard bank was doing well than other three banks in this period. Non-performing loans have fluctuated over the past six years in all four commercial banks. The overall performance in terms of NPL shows that FNB and Bank Windhoek were having highest amounts of NPL in the period - while Standard Bank had the lowest ratio that was recorded below 1 percent for the period of six years.
The graphs above illustrate that FNB had a highest total assets in both and The overall total assets performance for all commercial banks from to , show that FNB had more assets than other three commercial banks. A low yield on earning assets means that a bank is earning less on its loans. The yield on earning assets for Bank Windhoek was the highest in which confirmed strong performance than other three banks.
Standard Bank produced strong yield performance in with 9. Bank Windhoek paid the highest interest rate of 5. The overall picture shows that Bank. The table above shows that FNB had more profits after tax between and than other three commercial banks.
The overall profit after tax analysis shows that FNB produced the strongest performance in terms of profitability better than other three commercial banks. Net interest margin NIM is a measure of the difference between the interest income generated by banks and the amount of interest paid out to their lenders for example, deposits , relative to the amount of their interest-earning assets.
However, the graphs above presented that Nedbank had the highest net interest margin of 5. FNB recorded a very high net interest margin of 5. This is cash equivalents and others liquid assets owned by a bank that can be easily converted into cash liquidated. The graphs above show that Standard Bank and FNB produced strong performance in terms of liquid assets compared to other two banks during the period - The table above shows that FNB produced strong performance in terms of liquid assets followed by standard Bank in this period.
The study revealed that financial sector of Namibia is made up of two financial systems namely: formal and informal sectors. The formal financial sector is the banking sector while informal sector is for those participating in cash loan and money lenders. Among all these financial institutions in Namibia, commercial banks are dominating and playing a major role. The analysis from the findings has also revealed that all four commercial banks are financially doing well and have adopted prudent policies of financial management. Based on this analysis, the results show that commercial banks in Namibia are playing a major role to materialize most of the financial services happening throughout Namibia.
Therefore, they ensure better services from their part and proved to handle all sorts of internal and external pressures skillfully. So far as results and findings are concerned all four commercial banks have shown significant performance in different areas and are performing above the regulated standard, although among themselves some are much better performer than the others. Based on the findings, it has been recommended that commercial banks in Namibia should engage themselves in following:. Explore other activities that could help them to reduce operational costs.
They need to diversify income sources in order not to depend on interest loans alone. To strengthen credit risk management in order to minimize non-performing loans and loan loss provisions. To initiate new products and services that better than indulging in lending risk loans. The need for future evaluation of financial performance of all banks in Namibia and also banks in Southern Africa is strongly recommended.
More variables that cover all aspects of the banking sector need to be addressed in further evaluation. More econometric models need to be applied and run data regressions for at least 20 years period. The econometric models specified in the literature review 2. More indicators presented in the appendix should be added to strengthen the results of determining the best performing banks.
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