Theses and Dissertations (Finance, Risk Management and Banking)
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- Access to finance as a challenge for Burgersfort small and medium-sized enterprises in tourism Ngoma, Moreblessing R. ( 2023-12-20 ) The objective of the study was to assess financial access as a challenge to SMEs in tourism and in rural areas. The focus was on the relationships between financial access and its determinants, such as, information asymmetry, ...
- Macro and micro-economic determinants of the mining companies’ share returns Moyana, Simbarashe ( 2023-11-08 ) The study examined the macro and micro-economic determinants of the mining companies’ share returns. The system-driven generalised methods of moments was employed to analyse panel data comprising ten listed mining companies ...
- Exploring employee perceptions of the psychological contract, employee motivation and retention in the South African motor industry Nara, Sailesh ( 2024-02-27 ) The historical roots of the employment relationship date back to early civilisations, marked by individuals seeking expertise in exchange for rewards. Unspoken expectations between parties often shape the dynamics of this ...
- Exploring the relationships between foreign direct investment, foreign aid and economic growth : evidence from Africa Wehncke, Francois Cornelius ( 2021-11-08 ) Focusing on African economic panel data from 1990-2018, this study set out to analyse the relationships between foreign direct investment (FDI), official development assistance (ODA) and economic growth. Specifically, the ...
- The nexus between financial inclusion, financial stability and economic growth in Sub-Saharan Africa Meshesha Demie Jima ( 2023-02-03 ) Scholars and several global and international development agencies have been advocating the importance of financial inclusion for financial stability, social welfare improvement and sustainable economic growth. Within this ...
- Operational risk control measures for the Lesotho banking industry to manage a crisis event : a case study of covid-19 Motopi, Matokelo ( 2024-06 ) Banks are essential to any economy because they play an important role in ensuring financial stability. Thus, it is critical that banks always remain functional to be profitable and ensure the country's economic progress. ...
- Framework model for financing sustainable water and sanitation infrastructure in Zimbabwe Mundonde, Justice ( 2022-10-24 ) The specific objectives of this study were three-fold: to analyse global public-private partnerships (PPP) models commonly used in providing water and sanitation services in urban settlements, and assess their applicability ...
- Participation of women in the blue economy and their sustainable economic development Kumadeka, Cynthia Mawufemor Afua ( 2022-08 ) This study sought to investigate women’s participation in the blue economy and its effect on their long-term economic development. The study assessed the challenges faced by the few women participating in the blue economy, ...
- The effects of liquidity and solvency on South African banks’ performance Kumalo, Nokuphiwa Lorraine ( 2023-03-06 ) This study examined the effects of liquidity and solvency on South African banks’ performance. The panel regression approach was used, applying panel data from 13 commercial banks over the period 2012 to 2022. The pooled ...
- The impact of corporate governance on occupational risks in South Africa's mining industry Chikosi, Luke Charles ( 2022 ) Despite implementing various corporate governance (CG) frameworks, guidelines, and laws, mine workers continue to suffer from exposure to occupational health and safety risks. This study examines corporate governance's ...
- The relationship between banking sector and stock market development in selected Southern African countries : A panel data approach (1995-2017) Chikeya, Cloudio Kumbirai ( 2022 ) The study investigated the relationship between banking sector development and stock market development in Southern Africa, with special focus on the Southern Africa Development Community (SADC). Using the Seemingly ...
- Operational risk management guidelines for Ghanaian banks to advance Basel III compliance Grebe, Gerhard Philip Maree ( 2023-01-17 ) The 2007-2008 global financial crisis (GFC) exposed the shortcomings and inefficiencies of the global banking system, and these weaknesses were not limited to only one country or economy. In addition, the financial crisis ...
- Profiling momentum in equity markets De Beer, Johannes Scheepers ( 2023-05 ) This study created a customised model and a custom index to profile momentum in equity markets. The customised model used a momentum term structure grouped into different entry zones to create visual profiles for ...
- The interactions between sectoral credit allocation decisions and economic growth: an empirical study of Zimbabwe Mtetwa, Arnold ( 2022 ) Despite policy measures aimed at improving the performance of commercial banks and their contribution to economic growth, little progress has been made in reviving the Zimbabwean economy. The effective function of banking ...
- The influence of parental financial socialisation on financial literacy of young black African adults in rural and low-income areas in South Africa Ndou, Adam Aifheli ( 2022-06 ) Parental financial socialisation is becoming increasingly important globally, due to low levels of financial literacy amongst young adults, especially those in developing countries, rural and low-income areas, and black ...
- The relationship between unlawful expenditure and municipal financial performance in a South African context Sikhosana, Mxolisi Joe ( 2021-10 ) South African municipalities are experiencing a deterioration in municipal financial performance in addition to proliferated unlawful expenditure. Good municipal financial performance is imperative for social development ...
- The relationship between the liquidity risk, financial leverage and firm financial performance: Evidence from Top-40 Johannesburg Stock Exchange (JSE) firms Matsoma, Ntomolane Lobisa ( 2022-01 ) The focus of the study was to investigate the relationship between liquidity risk, financial leverage and firm’s financial performance with evidence from top-40 JSE firms. Despite the existing literature on the topic, no ...
- Determinants of financial performance of insurance companies: empirical evidence from Kenya Morara, Kamanda ( 2020-12 ) The drivers of financial success of the insurance industry are of interest to several players in any economy including the government, policymakers, policyholders, and investors. In Kenya, there have been relatively few ...
- The effect of financial literacy on financial inclusion: evidence from Uganda Kasozi, Stephen Jason ( 2020-04 ) While a significant portion of the global population remains financially excluded, most empirical studies and policy interventions for increasing financial inclusion appear to focus predominantly on supply-side determinants ...
- Working capital management and financial performance: an empirical study of the South African Retail sector Mandipa, Garikai ( 2021-09 ) The main aim of the study was to determine the relationship between working capital management and the financial performance of South African retail firms listed on the Johannesburg Stock Exchange. The study examined the ...
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AN ASSESSMENT OF RISK MANAGEMENT IN BANKING SECTOR: A STUDY WITH SPECIAL REFERENCE TO PUBLIC AND PRIVATE SECTOR BANKS IN INDIA
2013, IAEME Publication
In banking sector risk management is a key issue connected to the financial system stability. Banking activities is becoming more complex, compounded by exploding technological capabilities, expanding product offerings and deregulation of competition. In other words, banking is a business of risk. For this reason, efficient risk management is extremely required. In this connection, banks have been moving towards the use of sophisticated models for measuring and managing risks. The Indian banking system is better prepared to adopt Basel II than it was for Basel I due to better risk awareness. The Basel II Accord had led the banks to new prudential norms like capital adequacy and identification of bad debts. Recently many banks have appointed senior managers to oversee a formal risk management function. The effective risk management lies with the ability to gauge the risks and to take appropriate measures. In the light of this, an analysis was carried out to highlight the NPAs position of Public and Private Sector Banks in India. The trend of NPAs in public and private sector banks in the last nineteen years shows that the level of NPAs in relation to the total assets has declined. The extent of NPA is comparatively higher in public sector banks compare to the private sector and foreign banks. The study also focuses on the risk management practices of Public and Private Sector Banks after the implementation of Basel II with the help of capital adequacy ratio for a period of 2007 to 2012. Hence an efficient risk management system is needed.
Related papers
In everyday life, risk is about undesired unpleasant, and at times disastrous prospective events associated with human action or inaction. Banking is becoming complex, compounded by exploding technological capabilities expanding product offerings and deregulation of competition. In other words, banking is a business of risk. For this reason, efficient risk management is extremely required. The Indian banking system is better prepared to adopt Basel II than it was for Basel I. The Basel II Accord had led the banks to new prudential norms like capital adequacy and identification of bad debts. Recently many banks have appointed senior managers to oversee a formal risk management function. The effective risk management lies with the ability to gauge the risks and to take appropriate measures. In the light of this, an analysis was carried out to highlight the NPAs position of SBI and associates and also capital adequacy ratio after the implementation of Basel II Accord to focus on the risk management practices in State Bank of India (SBI) and associates for the period of six years from 2007-08 to 2012-13. Hence an efficient risk management system is the need of time.
IJRAR.ORG, 2023
This research paper provides a detailed examination of the trends and challenges associated with Non-Performing Assets (NPAs) in the Indian banking sector from 2010 to 2021. The study focuses on Commercial Banks, including Public Sector Banks, Private Sector Banks, and Foreign Sector Banks, analyzing their Gross and Net NPAs to Gross and Net Advances. The analysis reveals a substantial expansion in lending activities, as evidenced by the impressive Compound Annual Growth Rates (CAGR) of Gross and Net Advances. However, a concerning increase in Gross and Net NPAs over the same period highlights challenges in asset quality management. Public Sector Banks consistently exhibit higher levels of NPAs compared to their private and foreign sector counterparts, indicating potential difficulties in managing troubled assets. The research identifies a negative trend in NPAs from 2018 onwards, with a gradual decline observed across all categories of commercial banks. Standard Deviation values emphasize greater volatility in asset quality management for Public Sector Banks. Insights from Private Sector Banks, with lower average NPAs, suggest more efficient non-performing asset management practices. The paper concludes with recommendations for reducing NPAs, emphasizing comprehensive risk assessments, robust credit risk analysis, diversification of loan portfolios, and efficient recovery mechanisms. Strengthening due diligence, adherence to prudential norms, continuous staff training, and collaboration with regulatory bodies are also proposed strategies. Ultimately, the research highlights the importance of proactive measures to ensure the sustained health of the Indian banking sector.
The Banking sector has a crucial role to play in the development of an economy. It is the key driver of economic growth of the country. In India, the banking sector is very strong at the present but at the same time, banking is considered to be a very risky business. Most often than not root cause of a financial turmoil is inefficient risk management practices adopted by the financial institutions. Banks must thus see risk management as an ongoing and valued activity as it is directly linked to financial system stability of the country. The purpose of this research is to outline various risks posed by the Indian Banks and strategies adopted by them for risk management. The secondary objective is to compare the risk severity and success of risk management practices for the public sector and private sector Indian Banks.
TEST Engineering & Management
There are dangers in every area of life. Yet it is also true that there is no reward without some degree of risk. As a result, every financial institution strives to control these threats in order to maximize profits while avoiding losses. This, however, is easier said than done. Banks confront a wide variety of risks due to the diverse nature of the transactions they process. Attempts to lessen these dangers are not simple. In light of the current economic situation, it is crucial that banks take steps to reduce the many risks they confront. All contemporary banks have dedicated risk management departments that use statistical approaches to reduce the different risks inherent in the banking industry. This article analyzes Indian banks' risk management practices in light of Basel III requirements.
TIJ's Research Journal of Economics & Business Studies - RJEBS, 2013
Gross NPA of both SBI group & Nationalised Banks exhibit an increasing trend except the year 2008 of Nationalised Banks. As risk management becomes more sophisticated, the simple and static rules of 1998 Accord are becoming less relevant, Emphasis needs to be given on innovative banking. Autonomy is a sine qua non of innovation. Which needed a new capital framework and ways to manage risks. To solve these problems, Basel-II framework is an indicator approach for risk management. The study is based on the secondary data. The scope the study is limited to five years data. The study is related to SBI group and Nationalised banks.
Banks have attained a unique and central role in financial markets through their deposit-taking, lending, insurance, securities brokerage and underwriting, mutual funds and many other services. After the global financial crisis, new regulations have emerged. This has led to a major transformation in risk management in banking. The objective of studying risk management in banking is to understand different types of risks being faced by the banks in the ever changing business environment. The risk management practices should ensure public-protection and also foster efficient and competitive banking system. Indian banks will have to manage the new compliance process laid by Basel committee on Banking Supervision (BCBS) and ensure that the RBI norms are fulfilled so that they can themselves face the new competitive financial risk and regulatory era.
Like other corporations, banks want to create value and seek ways to control risk while aiming to enhance productivity and performance. This is achieved by granting credits to customers from the money deposited by the depositor, thus placing them at risk in the case of defaulting. Despite this risk, banks must continually issue credit since it is the key source of its profitability. This research study assesses the impact of credit risk management on Indian public and private banks during the 2009-2012 period. Using pooled OLS, fixed effects and random effects, the study examines credit risk management in seven private banks and seven public banks. The results show that private banks are more capitalized and more profitable than public banks. In addition, in both cases asset quality measured using non-performing assets with negative coefficients significantly influenced bank profitability. The study extrapolates the importance of regulatory capital and the importance of risk managem...
REST Journal on Banking, Accounting and Business Vol: 1(1), 2022 REST Publisher; ISSN: 2583-4746, 2022
The banking business comprises a paramount component of the financial services sector. then the banks and financial institutions play a vital position and crucial role in economic planning such as two faced down of specific goals and assign particular amount of finance that comprise the economic policy of the government. The financial system is necessary for the growth of economy. The Assets quality ratios to using the financial performance public sector banks supervision criterion of banking sector is a significant and significant improvement in public sector bank in India. The tools used this analysis be CAMEL Rating System in Asset Quality parameters. The public sector banks financial performance in COVID 19 situation facing lot of NPAs issues in present economy. The composite Assets quality rank is Bank of Baroda has occupied the top position with least average. IDBI Bank has availed the last position with an average.
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Risk Management is an important aspect of the Bank’s policies. Risk is the. possibility of a decrease in economic bene t in the event of a monetary loss or. an expense or loss related to a ...
A THESIS SUBMITTED TO ST. ... specially the banking sector ... Risk management in banking involves the process of evaluating the risks faced by a bank and
Motivated by these contemporary events, this thesis examines the shaping of risk management in the banking sector. Through the three exploratory field studies in Sweden and Italy, the thesis posits two important contributions. First, the thesis posits a framework, demonstrating how the dynamic shaping of risk management is changing the
First, to investigate how Enterprise Risk Management (ERM) diffuses in the banking sector under a regulatory environment. Second, to explore how this regulatory diffusion triggers incremental change and how banks adapt to this incremental change. Finally, to investigate how this diffusion influences the “MCS (Management Control Systems ...
the main topic of current dissertation is the financial sector’s, specifically the banking sector’s operational risk management practice. In this dissertation – after reviewing the relevant literature – considering the regulation of operational risk management we outline the characteristic of this risk type; the factors
Rudolf Jurvanen. and risk management in the banking sector during uncertain period, Nordea. Bank AbpJyväskylä: Jamk University of Applied Sciences, November 2023, 35 pages.Degre. rmission for open access publication: YesLanguage of publication: EnglishAbstractIn 2020, the outbreak of COVID19-pandemic forced instit.
Operational risk management guidelines for Ghanaian banks to advance Basel III compliance. Grebe, Gerhard Philip Maree (2023-01-17) The 2007-2008 global financial crisis (GFC) exposed the shortcomings and inefficiencies of the global banking system, and these weaknesses were not limited to only one country or economy.
ificance of credit risk management and its effect on performance. Therefore, the purpose of this study is to evaluate the methods used in the Awash. k in the Ethiopian banking sector.1.1.1 Background of Awash BankAwash Bank (AB) was founded on February 13, 1995, by 486.
exposure to the risk(s) (Aven, 2016). Risk management is therefore an extensive topic and covers a wide array of the organisational activities of banks. In the financial sector, risk management is pursued in a very specific manner, based on the combination of risks faced by any given bank. Unfortunately, evidence indicates that many
2017. The Banking sector has a crucial role to play in the development of an economy. It is the key driver of economic growth of the country. In India, the banking sector is very strong at the present but at the same time, banking is considered to be a very risky business.