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Purpose: Today's competitive business world presents unanticipated challenges to enterprises worldwide. So, the well-being of the employees may be a sustained competitive edge for corporations in improving employee performance. Positive psychology served as the foundation for this study, investigating the interplay between employee well-being and task performance by incorporating organizational-specific factors like organizational virtuousness (OV) and individual-specific factors such as Psychological Capital (PsyCap). Design/methodology/approach: In total, 639 dyadic responses were gathered from the banking sector, encompassing employees in both private and public banks in India, along with their immediate supervisors. The hypotheses were subsequently examined by applying Structural Equation Modeling (SEM). Findings: OV and PsyCap are considerably associated with the well-being of employees and task performance, according to the findings. Employee well-being mediates the relationships between the perceptions of Organizational Virtuousness (OV) and task performance, as well as between PsyCap and task performance. Research limitations/implications: The intense competition and series of scandals in Indian banks urge the introduction of some behavioral precautionary measures. Banks need to understand and intervene in positive organizational behavior and help the employees build strong PsyCap to enhance their well-being and task performance to gain a competitive edge. Originality/value: The present study integrated Positive Organizational Behavior (POB) and Positive Organizational Scholarship (POS) to enhance work performance. [ABSTRACT FROM AUTHOR]

AbstractThis article explores Walter Bagehot’s (1826–1877) proposals for improvement of the governance of the Bank of England after the Charter Act (1844). In his book Lombard Street (1873), Bagehot addresses the inherent dilemma faced by the Bank of England since its establishment in 1694. On one hand, it was a joint-stock bank with private shareholders, while on the other, it was entrusted with fundamental responsibilities for the public interest, including lending to the state, restructuring public debt, holding the nation’s gold reserve, and managing liquidity crises. According to Bagehot, if the Bank of England succeeded in solving this dilemma, it was mainly thanks to the implementation of governance principles that he introduced and discussed. The contribution of this article is to highlight Bagehot’s original proposals on central bank governance and their significance in reconciling the interests of the diverse stakeholders of the ‘Old Lady of Threadneedle’. Central bank governance in Bagehot is a topic that has not yet been discussed. [ABSTRACT FROM AUTHOR]

The aim of this study is to analyse the effect of financial development on innovation activity with annual data for the period 1984-2021 in Türkiye. For this purpose, the total number of patents representing the innovation activity and the volume of domestic credit extended by banks to the private sector (% of GDP) representing financial development are used in the study by following the relevant literature. Education expenditures, foreign trade volume and foreign direct capital investments, which are thought to affect innovation activity, are also used as control variables. The stationarity of the variables in the study was determined by Augmented Dickey and Fuller (1979, 1981) and Lee and Strazicich (2003) unit root tests. The long-run and short-run relationships of the regression model of the research are handled by ARDL bounds testing approach. A long-run relationship was found in the model established in the research. The findings show that a 1% increase in financial development increases innovation activity by approximately 0.75%. In the long-run, improvements in financial development are positively reflected on innovation activity, while in the short-run they are negatively reflected. Additionally, in the long run, increases in education expenditures and trade volume positively impact innovation activities, while the effect of foreign direct investment is statistically insignificant. [ABSTRACT FROM AUTHOR]

Copyright of Zeitschrift für Bankrecht und Bankwirtschaft is the property of De Gruyter and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Purpose: This paper aims to examine how the rise of financial technology (Fintech) lending affects bank competition. Moreover, this study also identifies the structure of Indonesian commercial banking sector and the different behaviour of competition among bank groups (based on their size, type and ownership) and the joint impact of COVID-19 due to the rise of Fintech lending. Design/methodology/approach: Using an unbalanced panel data set of 118 commercial banks in Indonesia over the period 2018–2022, both static panel and 2SLS/IV data analysis were used and found that random effect model is the best model. Findings: The results show that the Indonesian commercial banking sector can be considered as monopolistic competition. Moreover, using the Lerner index reveals that the entry of the Fintech lenders increases bank competition. Furthermore, there were different responses to the impact of Fintech lending on bank competition among state-owned banks, private banks, regional development banks and foreign banks. Greater efficiency and stability lead to greater market power. In the meantime, higher level of asset growth, capitalisation and cost-to-income ratio increase the competition. Lastly, higher bank credit growth and lower inflation boost overall bank competitiveness. Practical implications: This study highlights some policy recommendations for commercial banks to be aware of the coming of Fintech lenders because they have started to increase the market competition. The government should create a more collaborative ecosystem between banks and Fintech lending to anticipate unhealthy competition. Originality/value: This study will contribute to the literature by expanding the determinants of bank competition by considering the rise of Fintech lending in the market. [ABSTRACT FROM AUTHOR]

In the past, most of the financing process was to provide cash resources for the purchase of commercial goods, with the complexity of the business process and the way companies operate, the liquidity needs also changed. As a result, traditional financing methods were no longer able to respond to new needs. The expansion and increasing complexity of financing issues, as well as the introduction of new financing tools at the international level, have caused the financial system to require the introduction of new tools in order to achieve its goals. In this research, we seek to explain the pattern of implementing new methods of financing in order to increase the speed and transparency of financial reporting in private banks of the country. In this research, fuzzy Delphi method has been used to prioritize and present the pattern of financing technologies. The statistical population consists of 25 academic experts in the field of accounting and information technology. The results showed that international money transfer technology, money transfer or remittance technology, payment technology, lending and crowd funding technology, insurtech technology, financial management technology and capital markets technology respectively have the greatest effect on increasing the speed and transparency of financial reporting. [ABSTRACT FROM AUTHOR]

After the financial crisis, the Indian banking system has accumulated a mountain of bad loans which has crippled the banking sector and halted the credit flow to the industry. Several immediate causes for the bad loan crisis have been pointed out. However, poor market discipline, the ultimate root cause of the bad loan crisis, has not been paid adequate attention. This study seeks to investigate how effectively the market disciplinary forces, captured through information disclosure, interbank deposits, concentration and ownership structure, incentivise the Indian banks to adopt prudential risk management by enhancing their risk‐weighted capital ratio. The findings of the study show that information disclosure and interbank deposits do not induce prudential risk behaviour among banks in India. However, with increasing concentration in the banking sector, a higher level of information disclosure effectively induces banks to maintain higher capital ratios, but inter‐bank deposits do not have any significant effect on bank capital. We also observe that government banks maintain lower capital ratios as compared to private banks indicating government banks' higher expectation of government bailout. [ABSTRACT FROM AUTHOR]

Copyright of Gazi Journal of Economics & Business is the property of Gazi Journal of Economics & Business and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This study aimed to explore efficiency changes in Taiwan's banking industry before and after the outbreak of coronavirus disease 2019 (COVID-19) by using the maximum slacks-based measure approach. The data, spanning from 2018 to 2021, categorized banks into three systems: state-owned, private, and foreign. Bank performance was measured from two perspectives: single-period evaluation (assessing bank performance in each year individually) and cross-period evaluation (assessing bank performance from 2018 to 2021 collectively). Inter-temporal changes in bank performance across the three banking systems were analyzed. The results indicated that only foreign banks rebounded rapidly after the COVID-19 outbreak, while the average performance of private banks remained stagnant, and state-owned banks performed worse than before the outbreak. Therefore, it is recommended that state-owned banks develop effective and rapid improvement policies to address major emergencies. Additionally, the study found that inefficiencies in banks were due to excessive input resources and/or failure to achieve the output targets. The input–output gap of inefficient banks was also analyzed, providing learning benchmarks and clear improvement targets that can help these banks formulate practical actions to improve their performance. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Aksaray University Faculty of Economics & Administrative Sciences / Aksaray Üniversitesi Iktisadi ve Idari Bilimler Fakültesi Dergisi is the property of Aksaray University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Women entrepreneurs of Bangladesh face strict terms and conditions, high interest rate, and collateral requirements while requesting access to bank finance. This paper investigates the role of banks in promoting micro and small businesses owned by women in Bangladesh in terms of access to bank finance and collateral requirement. Bangladeshi women entrepreneurs were chosen as there are surge in women entrepreneurs in the nation. The study used a close‐ended questionnaire to collect data based on stratified sampling and data health was ensured using the Harman's single factor indicating no presence of common method bias. The sample consists of 60 respondents of pilot study and 150 respondents surveyed by trained enumerators resulting a final sample size of 210. The data were collected based on primary sources from the entire Bangladesh represented by the eight divisions of the country namely Dhaka, Barishal, Chittagong, Khulna, Mymensingh, Rajshahi, Rangpur, and Sylhet. The data were analyzed based on the binary logistic regression model using the IBM SPSS Statistics. Empirical results indicate that women entrepreneurs can be granted bank finance only by the private commercial banks without pledging collateralized assets according to the rules of the central bank of Bangladesh provided they offer personal guarantee, social security and group guarantee and if they default on the loans, security will be used for loan repayment, and they will be deprived of further loan facilities. The findings of the study will help add value to the current literatures and the outcomes will be helpful to the concerned parties. [ABSTRACT FROM AUTHOR]

This research aims to analyze the influence Return on Assets (ROA), Operating Costs to Operating Income (BOPO) and Net Interest Margin(NIM) against Financial Sustainability Ratio(FSR) at National Private Commercial Banks for Foreign Exchange in Indonesia during the period 2018 to 2022. The population in this research is all National Private Commercial Banks for Foreign Exchange in Indonesia during the period 2018 to 2022. The sample selection technique used purposive sampling and 15 banks were selected as research data. The data analysis method used is panel data regression analysis using Eviews 10. The research results show that: Return on Assets (ROA) has a positive and significant effect on the Financial Sustainability Ratio (FSR). Operational Costs on Operating Income (BOPO) and Net Interest Margin (NIM) have a negative and significant effect on the Financial Sustainability Ratio (FSR). The R Square value is 0.957730, indicating that the Financial Sustainability Ratio (FSR) is influenced by Return on Assets (ROA), Operational Costs to Operating Income (BOPO) and Net Interest Margin (NIM) of 95.77%. [ABSTRACT FROM AUTHOR]

In this paper, we have carried out the predictions for growth or spurt in Systemic Risk across the different categories of financial institutions in India relative to the change in the market prices. We have used Bayes Theorem along with Logistic regressions to work out the actual probabilities regarding the growth in Systemic Risk with the fall in stock prices and Wilcoxon Rank sum Test to validate the robustness of the models. In this paper, we have studied the period from July 2007 to December 2020. An important feature observed was any fall in closing prices beyond 30%, is contributing for 90% growth in systemic risk. A policy implication can follow—that it is imperative to monitor a sharp decline in market prices to the tune of 30% or more by regulators to avoid a crisis. We generally presume that state ownership of Banks particularly in India generates public confidence. Our paper has been able to support the theory of public confidence wherein the Public Sector Banks are contributing less towards the growth of Systemic Risk as compared to Private Banks and NBFCs. The NBFCs are the highest contributor of the growth in systemic risk which we have differentiated from our results. So, in coming days NBFCs are to be closely monitored by the regulators and suitable regulatory measures need to be placed. [ABSTRACT FROM AUTHOR]

This study aims to analyze the influence of psychological factors, external factors, financial literacy, hedonic motivation, and utilitarian motivation on impulsive buying behavior using Shopee PayLater in generation Z employees at Private Banks in South Tangerang, South Tangerang. Impulsive buying is a spontaneous and unplanned buying behavior, which is often triggered by a variety of internal and external factors. This study uses a quantitative approach with a survey method to collect data from respondents who are employees of generation Z. Data analysis is carried out using multiple linear regression techniques to determine the influence of each independent variable on impulsive buying behavior. The results showed that psychological factors and hedonic motivation had a significant positive influence on impulsive buying behavior. In contrast, financial literacy had a negative effect, while external factors and utilitarian motivation did not show a significant influence. These findings provide insights for companies to develop effective marketing strategies by considering factors that influence impulsive consumer behavior. [ABSTRACT FROM AUTHOR]

Does financing respond to changes in productive opportunities, even for the world's poor? We answer this question by examining the response of private bank financing to an infrastructure program that brought road access to unconnected Indian villages. This program prioritized roads for villages above specific population thresholds, allowing us to exploit the resultant discontinuities for identification. Using detailed data from a large bank, we find that 75 |$\%$| more villagers get loans, and the average amount lent to them is 30 |$\%$| –35 |$\%$| higher, in villages just above these thresholds. District-level analyses further suggest that roads and loans are complements in the growth process. Authors have furnished an Internet Appendix , which is available on the Oxford University Press Web site next to the link to the final published paper online. [ABSTRACT FROM AUTHOR]

This is a pioneering study that undertakes a comparative analysis assessing the annual intermediation efficiency of public versus private banks in Egypt. Moreover, liquidity risk is a major threat facing banks in their efforts to sustain financial stability. Thus, this study is the first to model the determinants of liquidity risk in public and private banks in Egypt while examining the impact of banks' intermediation efficiencies on their liquidity risk levels. The study employs advanced nonparametric econometric approaches on a sample of Egyptian public and private banks from 2014 to 2022. The data envelopment analysis is used in estimating banks' intermediation efficiency scores, while the quantile regression analysis is applied to examine the impact of bank intermediation efficiency on liquidity risk under different liquidity risk quantiles. The findings indicate that public banks show consistent superiority in terms of their financial intermediation efficiency levels compared to private banks. Moreover, the paper findings demonstrate the negative significant relationship between bank intermediation efficiency and liquidity risk while highlighting the higher significant positive impact of intermediation efficiency on reducing the liquidity risk of banks that are characterized by undertaking high liquidity risk levels. Furthermore, contrary to general assumptions, this study's findings demonstrate that the significance of micro- and macro-level determinants of a bank's liquidity risk is dependent on its prevailing liquidity risk level. Hence, the positive impact of equity capital, asset concentration, size, and growth in gross domestic product and the negative effect of asset quality on bank liquidity risk vary under banks' different liquidity risk quantiles. [ABSTRACT FROM AUTHOR]

Copyright of Environmental & Social Management Journal / Revista de Gestão Social e Ambiental is the property of Environmental & Social Management Journal and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

In this research, based on the historical statistics of the deposits of a private bank (Ansar bank before merging) into four different categories (funds), we are looking for the results and prediction of bank deposits in each of the categories, using machine learning prediction methods for the first time in internal studies. In this forecasting method, the superiority of the machine learning method is confirmed due to the examination of all the time changes of the data in a large volume (from the beginning until now). Forecasting the above deposit statistics for bank decision makers in the future according to the economic conditions can be the basis of macro banking decisions. The results show that partly stable long-term deposit and stable deposit will take a downward trend in the future in the Ansar bank, and unstable and interest-sensitive deposit will also take a downward trend. Qarzol-hasane deposit has an upward trend, although it has always fluctuations similar to sin-cos fluctuations. It should be noted that this machine learning prediction method is a stable method without sensitivity analysis and has high reliability. According to this research, paying attention to long-term and stable deposits as well as Qarzol-ha-sa-ne is of great importance in the bank's budget. [ABSTRACT FROM AUTHOR]

The efficiency of banks in any country is a key factor in the growth and development of that country's economy. Recently, the evaluation and improvement of the efficiency of the banking industry in Iran has received a lot of attention. The purpose of this article is to evaluate the efficiency of selected Iranian banks in 2021. Although in many studies of the banking industry, classical DEA models have been used without considering the internal structure and partial processes of banks. To overcome the limitations of the classic DEA model, the use of network data envelopment analysis (NDEA) models with the Nash bargaining game approach is the innovation of this research. In this model, all the internal components of the process and its overall coherence are considered to evaluate the efficiency of partial processes and to identify the sources of inefficiency of the entire banking system. Another advantage of the results of these evaluations is that they can provide managers with sufficient management information to identify the causes and factors affecting efficiency and gain competitive advantages. The results show that only future banks, Middle East, Mellat Saderat, Tejarat, export development in both stages and the whole performance system are efficient. Bargaining game model has also been used to fairly analyze efficiency and identify the stage that caused inefficiency. According to the private bank's goal to earn profit, banks that do not perform properly have not been able to use their physical resources and capacities optimally to attract deposits and generate more profit. [ABSTRACT FROM AUTHOR]

We document novel evidence on the spillover effect of a corporate control regulation on local mortgage markets. We find that banks directly targeted by the Sarbanes-Oxley Act (SOX) to rectify their internal control weaknesses reduce mortgage originations following the regulation's enactment. This causes mortgage credit to be reallocated toward other banks in the same local markets: while competing public banks expand lending to safer borrowers, private banks increase lending toward risky applicants. Consequently, loans originated by private banks in spillover counties report higher default rates. (JEL E51, G21, G38) [ABSTRACT FROM AUTHOR]

Copyright of Journal of Economics & Administrative Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This article aims to identify the major factors which prove as motivation and influence for a bank while deciding what, when, how and whom to outsource. A survey questionnaire was developed and responses were collected from 434 bank employees from two major groups of public sector banks and private sector banks in India. Exploratory factor analysis has been used to find out the latent factors for outsourcing decisions. Results of the study find Strategic competitive advantage, better customer service, better use of resources, capitalization on technological advancements, and cost-effectiveness as the major motivating factors for outsourcing the IT/IS, HR, marketing services, financial and other services. The present research article will be of great help for banks to measure the impact of outsourcing on the profitability, productivity, liquidity, and market share of the banks. [ABSTRACT FROM AUTHOR]

The article presents a new perspective on the economic and financial history of Latin America, examining the evolution of British, German, French, and Spanish banking in the region. It highlights the importance of local entrepreneurs and governments as clients in credit management. The Spanish experience of banknote issuance in the 19th century is also analyzed, focusing on the transformation from state banking to private banking. The role of the Banco de la Provincia de Buenos Aires in the transition from colonial rule to the new state in Argentina is emphasized. The article concludes by highlighting the relevance of economic history in long-term economic growth. [Extracted from the article]

Copyright of Revista de Ciencias Sociales (13159518) is the property of Revista de Ciencias Sociales de la Universidad del Zulia Venezuela and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Managing nonperforming assets (NPAs) and maintaining them within tolerance level plays an important role in the success of a bank. This study analyzes the extent of efficiency in selected public and private sector banks in India with respect to net nonperforming assets (NNPAs). A careful analysis is carried out to understand the causes of NNPAs, reasons for their rise or fall, effect on profitability over time, their level with respect to advances given, etc. The study investigates the effect of NPAs on the performance of public and private sector banks, examining the year-wise efficiency gap to identify their financial health. It focuses on three public and three private sector banks for a period of 10 years. The study finds a rise in NNPAs and low net profits in three selected public sector banks, and identifies a significant difference between the public and private sector banks with regard to NPAs. [ABSTRACT FROM AUTHOR]

Purpose: This study empirically demonstrates a contradiction between pillar 3 of Basel norms III and the designation of Systemically Important Banks (SIBs), also known as Too Big to Fail (TBTF). The objective of this study is threefold, which has been approached in a phased manner. The first is to determine the systemic importance of the banks under study; second, to examine if market discipline exists at different levels of systemic importance of banks and lastly, to examine if the strength of market discipline varies at different levels of systemic importance. Design/methodology/approach: This study is based on all the public and private sector banks operating in the Indian banking sector. The Gaussian Mixture Model algorithm has been utilized to classify banks into distinct levels of systemic importance. Thereafter, market discipline has been observed by analyzing depositors' sentiments toward banks' risk (CAMEL indicators). The analysis has been performed by employing the system Generalized Method of Moments (GMM) to estimate models with different dependent variables. Findings: The findings affirm the existence of market discipline across all levels of systemic importance. However, the strength of market discipline varies with the systemic importance of the banks, with weak market discipline being a negative externality of the SIBs designation. Originality/value: By employing the Gaussian Mixture Model algorithm to develop a framework for categorizing banks on the basis of their systemic importance, this study is the first to go beyond the conventional method as outlined by the Reserve Bank of India (RBI). [ABSTRACT FROM AUTHOR]

Corporate social responsibility (CSR) is recognised as one of the most significant strategic business practices and has become an indispensable element of long-term corporate strategy worldwide to gain a competitive edge (Aspal et al., 2023; Nuredini & Matoshi, 2022). This research investigates the level of CSR disclosure (CSRD) practices of banking sector companies operating in India. The CSRD practices of banking companies are investigated by employing content analysis techniques for the most current financial year, 2021–2022. Company-specific and domain-specific scores have been calculated for ranking motives. According to our investigation results, India’s banking sector has limited involvement in CSRD. Our study further indicates that the banking sector primarily focuses its CSR efforts on ‘Education and training’, ‘Health and hygiene’, and ‘Rural development’. The study finds no difference in CSRD between public and private sector banks (PVSBs) in India during the reporting period. This study is the first investigation in India to evaluate the level of CSRD in the banking sector after adopting the Companies Act in 2013. The results can help regulators and policymakers make informed decisions and encourage banks to be more responsible by comprehensively disclosing their CSR spending. [ABSTRACT FROM AUTHOR]

Present study is conducted to know the influence of bank-specific and macro-economic variables on bank performance in Indian context. A comparison has been made between public and private sector banks. For the purpose of the study, we have selected 32 commercial banks. Secondary data has been collected from the annual reports of the respective banks for the period 2010-11 to 2020-21. Panel regression model have been employed for the study. Empirical findings show that high operating expenses are not appropriately used to manage financial performance in sample banks especially for public sector banks. Study results also show that credit risk has an inverse association with financial performance. Leverage is negatively related to financial performance for public sector banks only. Deposit ratio, size and Annual GDP growth rate positively related to financial performance in all sample banks. While exchange rate has negative impact on the financial performances. The results show that different bank-specific and macro-economic variables influence differently with bank performance in public and private sector banks. The findings of the study will help policymakers and other stakeholders especially in the financial sector to understand various macro-economic and bank-specific variables impact on bank performances. [ABSTRACT FROM AUTHOR]

This paper aimed to highlight developments in the banking sector and to assess the status, trends and determinants of financial inclusion in Ethiopia. The study used data from the World Bank Findex Database, Commercial Bank of Ethiopia, Development Bank of Ethiopia and National Bank of Ethiopia annual reports. The Ethiopian banking sector, once dominated by public banks before the reform, showed a new era following the 1994 reform. The reform paved the way for the licensing of some private commercial banks. As a result, the market share of public banks declined significantly after the reform and vice versa for private banks. The level of financial inclusiveness in Ethiopia is extremely low even though the government has given a policy priority since 2016 onwards. Gender, age, education, financial literacy, residence, income, religion, preferring formal financial services, distance, GDP and trust in financial service providers were found to be the main financial inclusion determinants. Given that financial inclusion has been greatly improved after the financial reform, the government has to unlock the banking sector to foreign investors as it will further enhance the level of financial inclusiveness. Banks should also provide innovative financial products to customers. [ABSTRACT FROM AUTHOR]

Copyright of Muthanna Journal of Administrative & Economics Sciences is the property of Muthanna Journal of Administrative & Economics Sciences and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Indian banks are continuously facing fund scarcity in meeting loan requirements. They have fewer deposits in comparison to the loan demands, which has led to a decrease in the liquidity of banks and nonbanking institutions. To get rid of this problem, banks use several conventional methods, and securitization is one of them. Securitization is known as the construction of security in any financial transaction. The paper seeks to find out whether securitization process can positively impact Indian banking industry, using selected bank performance parameters. The paper first presents the impact of securitization on banks' performance; then it depicts the hurdles to the growth of securitization in the country. [ABSTRACT FROM AUTHOR]

The public sector banks dominate India's financial sector and play a crucial role. Commercial banks are indispensable in the processes of capital circulation, capital integration, capital resource allocation, and overall societal demand and supply adjustment. But performing these vital roles, the commercial banks are associated with different risks out of which credit risk hampers them a lot. This risk attacks the major pillar of the banking industry i.e., solvency on which the industry survives. In this paper, a modest attempt is made to identify the bank-specific determinants of credit risk in the public sector commercial banks in India. Data was collected from the RBI database for the period 2005 to 2020 for 13 banks. Variables pertaining to credit risk, bank size, capital adequacy ratio, profitability, liquidity and diversification were taken. These variables were analysed with the help of different panel data analytical tools. The size of the bank, represented by the log of total assets, and diversification, measured as the ratio of non-interest income to total income, were found to positively and significantly influence credit risk in public sector commercial banks. The Return on Asset, Loan-deposit ratio, and Capital adequacy ratio were found to be negatively correlated with credit risk. [ABSTRACT FROM AUTHOR]

On one hand, Islamic banking and finance is an aspiration to radically transform banks and the financial system to conform with interpretations of Islamic ethics and morals. On the other hand, such high aspirations patently conflict with the existing global, US$3.6 trillion market dominated by profit‐oriented private banks. These aspirations also potentially conflict with the technical details of how financial products are constructed to be "Shariah compliant." How do Islamic financial practitioners reconcile their vision of the Islamic good society with the products and processes observed at work? One such theological tool and cultural concept is to interpret Islamic financial products as relying on hiyal, a legal stratagem used to provide remedies and alleviate predicaments, to provide an escape from the unlawful to the lawful. This essay summarizes how thinkers in Malaysia are developing the concept of hiyal either to critique or to promote Islamic finance. As a contribution to anthropological and postcolonial theorizing, the essay concludes by exploring how the concept of hiyal can help us understand contrivances, conspiracies, cons, and stratagems. This theoretical tool kit can assist social scientists in exploring the gap between people's economic behaviors and their aspirations for what a good economy should look like. [ABSTRACT FROM AUTHOR]

Professional economists wield considerable power as experts and policymakers. Consequently, economists frequently appear in the media, where they comment on current economic issues and assess economic policy options. Despite the status of economists, little is known about the relationship between economists and the media and how economists use the media to promote economic and political interests. Building on the scholarship on the mediatization of expertise, this article analyzes the mediatization of the economist profession. The article draws on 17 semi-structured interviews with Finnish economists who appear frequently in the news media. The findings reveal how institutions from private banks to research institutes use economists to advance their economic and political interests via the media. It is found that using social media and serving journalists are elemental parts of an economist's job description. Furthermore, economists work closely with communications professionals to advance organizational interests. This article argues that further research should analyze how mediatization intertwines with the work of economic experts. [ABSTRACT FROM AUTHOR]

Purpose: The present study aims to comprehensively examine the impact of the Union Bank of Switzerland (UBS) takeover of Credit Suisse on the banking and financial services sector in the Indian stock market. To fully comprehend the impact of the event, the study separately investigates the response of private sector banks, public sector banks, overall banking companies and financial services companies to the takeover of the second-largest financial institution in Switzerland. Design/methodology/approach: The study employs event study methodology, using the market model, to analyze the event's impact on Indian banking and financial services sector stocks. The data consists of daily closing prices of companies included in the Nifty Private Bank Index, Nifty PSU Bank Index, Nifty Bank Index and Nifty Financial Services Index from the National Stock Exchange (NSE). Furthermore, cross-sectional regression analysis has been conducted to explore the factors that drive abnormal returns. Findings: The empirical findings of the study suggest the event had a heterogeneous impact on the stock prices of Indian banks and financial services companies. While public sector banks experienced a significant negative impact on select days within the event window, the overall Indian banking sector and financial services companies also witnessed notable declines. In contrast, Indian private sector banks were relatively resilient, exhibiting minimal effects. However, the cumulative effect is found to be insignificant for all four categories across different event windows. The study also observed that the cumulative abnormal returns (CARs) were significantly influenced by certain variables during different event windows. Originality/value: To the best of the authors' knowledge, the present study is the earliest attempt that investigates the impact of the UBS takeover of Credit Suisse on the Indian banking and financial services sector using event study methodology and cross-sectional regression model. [ABSTRACT FROM AUTHOR]

This paper intends to examine the role of CSR communication on social media in building consumer company identification (C–C identification) and electronic word of mouth (EWOM) in Indian banking context. Specifically, this study addresses the following three research questions: First, how does consumer perceived CSR orientation of Indian public sector banks in social media (CPBCSRSM) help in spreading positive EWOM and building consumer C–C identification? Second, what are the mediating effects of C–C identification between CPBCSRSM and EWOM? Third, how does user-generated content (UGC) moderate the influence of CPBCSRSM on EWOM? The author analyzed the data obtained from 648 banks' consumers who evaluated consumers' perceived CSR initiatives of those Indian public sector banks which have presence on social media, by using CFA and SEM techniques through SPSS and AMOS. The findings indicate that CPBCSRSM and C–C identification have direct effects on EWOM. The findings also indicate the mediating role of C–C identification and moderating role of UGC between CPBCSRSM and EWOM. Our study significantly contributes to marketing and CSR literature, by adding to limited knowledge on banks' CSR orientation and its communication in social media. The study enriches the extant literature by filling gaps such as improving the generalizability of the findings, providing an integrated framework and using multiple social media platforms in an emerging economy. Our findings will provide a significant forward step to banking professionals regarding the factors influencing EWOM and the role of CSR communication in social media. This study highlights to the policymakers of Indian public sector banks that they need to focus on CSR communication in social media for better consumer engagement, C–C identification, encouraging a favorable UGC and EWOM. [ABSTRACT FROM AUTHOR]

Financial inclusion paves the path towards inclusive growth. The Government of India launched the Pradhan Mantri Jan-Dhan Yojana (PMJDY) in 2014 with a similar aim. The present study measures efficiency of 25 banks using the data envelopment analysis to ascertain how the banks have functioned under the PMJDY scheme. The study has been conducted for a duration of 7 years beginning from the year the scheme was introduced in 2014–2015 till 2020–2021. Results of the empirical analysis have indicated that the performance of public sector banks has been better than the private banks in expanding financial inclusion under the PMJDY programme. Additionally, measurement of projection and shortfall of the outputs of banks has shown that very few banks have performed efficiently in furthering the objectives of PMJDY scheme. Thus, the overall evidences derived from the analysis suggest that the inefficient banks need to expand their banking services for the deprived. Regular assessment of efficiency would assist in identifying and thereby implementing necessary steps to overcome the obstacles in achieving the financial inclusion goals. This would also improve the efficiency level of the banks having low-efficiency scores. Moreover, banks have a social responsibility to properly implement the schemes initiated by the government. [ABSTRACT FROM AUTHOR]

Indian private sector banks are currently showing excellent performance. Their success is largely attributed to strong management practises, customer-centric strategies, technical breakthroughs, and risk management techniques. Indian private sector banks are quickly adopting digital transformation, responding to shifting market circumstances, and providing cutting-edge banking solutions. This has aided in expanding their customer base and raising client contentment. To inspire client confidence, they have also concentrated on enhancing service quality, offering individualised services, and putting in place robust security measures. Policy makers, regulators, and business experts can benefit from studies regarding the performance of Indian private sector banks and a knowledge of the elements that contribute to their growth and success. This makes it possible for them to locate best practises and methods that may be used repeatedly to enhance the general wellbeing and effectiveness of the banking industry. Comparative evaluations with public sector banks are possible by investigating the efficiency of private sector banks. The usefulness of various ownership structures and management philosophies in promoting financial performance, client satisfaction, and general competitiveness is evaluated through this comparison. The Weighted Aggregate Product Assessment (WASPAS) approach is a making decisions methodology which employs the Weighted Sum Model (WSM) as well as the Weighted Product Model (WPM) to rank and evaluate alternatives based on many criteria, each of which is weighted to reflect its relative relevance. An overall rating for each alternative is then determined by evaluating and combining the criteria utilising either additive or multiplicative techniques. This strategy enables decision-makers to consider both the advantages and disadvantages of each criterion among the possibilities. KAL has got first ranking and KMB has got lowest ranking in the Indian private sector banks. In this paper, The Performance of Indian private sector banks KAL has got first ranking and KMB has got lowest ranking. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Economics & Administrative Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Journal of Economics & Administrative Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Journal of Economics & Administrative Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This conversation between Terri Friedline and Matt Remle took place in November 2022. The conversation occurred as private banks were increasing their investments in fossil fuels and organizers were calling to establish new, publicly accountable financial institutions that would not underwrite climate devastation. As a Hunkpapa Lakota man and member of the Standing Rock Sioux tribe, Matt has actively participated in and led fossil fuel divestment and public banking campaigns. He has also protested militarism, wars, economic sanctions, and toxic waste sites. In addition to recognizing many people's long-held appreciation for Matt's perspectives, my intentions in having this conversation were to move the study of financial well-being markedly beyond its common individualized focus and to consider the ways that systems of oppression and domination shape families' financial lives. Along these lines, we talked about settler colonialism, fossil fuel divestment, and public banking advocacy. Our conversation concludes with a call to build authentic relationships, with humility and genuineness, as a path toward truly dismantling settler colonialism. [ABSTRACT FROM AUTHOR]

The present paper examines the reasons that caused the fall of Dena Bank, which led to its merger with Bank of Baroda and Vijaya Bank (the merged bank is now known as Bank of Baroda). This paper measures the extent of deviations in financial performance and profitability of Dena Bank from 2007–08 to 2017–18. The findings of the study indicate that increasing non-performing assets and costs adversely impact the financial position of the fallen bank (Adhana, D., and Raghuvanshi, R. R. 2020. Big Bank Theory: A Study of Amalgamation Plan of 10 Public Sector Banks into 4 Entities. Available at SSRN 3559291). Further post-merger analysis from 2018–19 to 2021–22 shows that Bank of Baroda eventually incorporated the changes well. The finding would be helpful to investors, practitioners, academics, and policymakers to check the financial position of the bank to gain insights into the financial health of the bank and causes that led to its merger (Patel, R. 2018. Pre & post-merger financial performance: an Indian perspective. Journal of Central Banking Theory and Practice 7 (3): 181–200.). [ABSTRACT FROM AUTHOR]

We present a simple model to characterise central bank forward guidance, large‐scale asset purchases and yield curve control. Endogenous yield curve reactions to policy shocks are a key determinant of monetary conditions and can support or offset policy intentions. Alternative monetary policy tools allow the central bank to signal central bank private information to investors when the policy rate is at the effective lower bound, shaping yield curve reactions. Commitments to these tools offer policy certainty but can become time‐inconsistent if the economy recovers sooner than expected. If commitments become time‐inconsistent, endogenous yield curve tightening can offset excess stimulus. The strength of this offset, and the optimality of monetary conditions, improves with the precision of investor inferences of central bank private information. [ABSTRACT FROM AUTHOR]