Central Banking System - A Bench Marking Study of India and Sweden

2008 ◽  
Author(s):  
S.K. Kumar Rai
Keyword(s):  
Banking System ◽  
Central Banking ◽  
System A

NPLs — The Solution Recipe for Albania

2015 ◽  
Vol 3 (1) ◽  
pp. 48
Author(s):  
Elona Shehu ◽  
Elona Meka
Keyword(s):  
Interest Rate ◽  
Negative Relationship ◽  
Banking System ◽  
Gdp Growth ◽  
System A ◽  
Analysis Technique ◽  
Recent Financial Crisis ◽  
The Stability ◽  
Asset Quality ◽  
Macroeconomic Determinants

The quality of the loan portfolio in Albanian banking system is facing many obstacles during the last decade. In this paper we look at possible determinants of assets quality. During the recent financial crisis commercial banks were confronted with deteriorating asset quality that threatened not only the banking industry, but also the stability of the entire financial system. This study aims to examine the correlation between non-performing loans and the macroeconomic determinants in Albania during the last decade. NPLs are considered to be of a high importance as they represent the high risk exposure of banking system. A solid bank with healthy assets increases the market efficiency. Our approach is based on a panel data regression analysis technique from 2005-2015. Within this methodology this study finds robust evidence on the existing relationship between lending interest rate, real GDP growth and NPLs. We expect to find a negative relationship between lending interest rate and asset quality. Further we assume an inverse relationship between GDP growth and non-performing loans, suggesting that NPLs decrease if the economy is growing. Furthermore this study proposes a solution platform, which looks deeper into the possibility of creating a secondary active market for troubled loans, restructuring the banking system or implementing the Podgorica model. This research paper opens a new lieu of discussion in terms of academic debates and decision-making policies.

scholarly journals Stability analysis of the banking system: a complex systems approach

2017 ◽  
Vol 10 (3) ◽  
pp. 273-284
Author(s):  
Alan Karaev ◽  
Marina Melnichuk ◽  
Timur Guev ◽  
Grzegorz Mentel
Keyword(s):  
Stability Analysis ◽  
Complex Systems ◽  
Systems Approach ◽  
Banking System ◽  
System A

scholarly journals Bank Stability Measures in Dual Banking System: A Critical Review

2019 ◽  
Vol 5 (2) ◽  
pp. 59
Author(s):  
Norzitah Abdul Karim ◽  
Amirul Afiff Muhamat ◽  
Azreen Roslan ◽  
Sharifah Faigah Syed Alwi ◽  
Mohamad Nizam Jaafar
Keyword(s):  
Global Financial Crisis ◽  
Financial Institution ◽  
Banking System ◽  
Banking Supervision ◽  
Basel Committee ◽  
System A ◽  
Overall Stability ◽  
Regulatory Bodies ◽  
Banking Stability ◽  
Definition Of

The 2007-2009 Global Financial Crisis showed that despite reported as ‘healthy’ financial institution prior to crisis had indeed suffered many problems including liquidity during the crisis. Thus, there is confusion on the healthy financial institutions, leading to loss of confidence on the overall stability of the banking system. Thus, there is an urgent need to review the current measures of financial as well as banking stability. This paper aims to look at the definition of ‘stability’ used in the academic researches and by different regulatory bodies, like International Monetary Fund, Basel Committee for Banking Supervision (BCBS) and central banks in selected countries with dual banking systems. It is then, critically review indicators used as measures of financial as well as banking stability. This review is hope to identify areas of strengths as well as weaknesses of the current measures of stability and serves as foundation for further research in future.

Credit risk in dual banking systems: does competition matter? Empirical evidence

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mohsin Ali ◽  
Mudeer Ahmed Khattak ◽  
Nafis Alam
Keyword(s):  
Credit Risk ◽  
Banking System ◽  
Islamic Banks ◽  
Content Type ◽  
Panel Data Estimation ◽  
System A ◽  
Size Groups ◽  
Conventional Banks ◽  
Fierce Competition ◽  
Data Estimation

PurposeThe study of credit risk has been of the utmost importance when it comes to measuring the soundness and stability of the banking system. Due to the growing importance of Islamic banking system, a fierce competition between Islamic and conventional banks have started to emerge which in turn is impacting credit riskiness of both banking system.Design/methodology/approachUsing the system GMM technique on 283 conventional banks and 60 Islamic banks for the period of 2006–2017, this paper explores the important impact of size and competition on the credit risk in 15 dual banking economies.FindingsThe authors found that as bank competition increases credit risk seems to be reduced. On the size effect, the authors found that big Islamic banks are less risky than big conventional banks whereas small Islamic banks are riskier than small conventional banks. The results are robust for different panel data estimation models and sub-samples of different size groups. The findings of this paper provide important insights into the competition-credit risk nexus in the dual banking system.Originality/valueThe paper is specifically focused on credit risk in dual banking environment and tries to fill the gap in the literature by studying (1) do the Islamic and conventional banks exhibit a different level of credit risk; (2) does competition in the banking system impact the credit risk of Islamic and conventional banks and finally (3) do the big and small banks exhibit similar levels of credit risk.

scholarly journals Przedsiębiorczość w warunkach integracji europejskiej na przykładzie firmy Leadership Management Polska

2010 ◽  
Vol 6 ◽  
pp. 170-174
Author(s):  
Mateusz Bisikiewicz
Keyword(s):  
Free Market ◽  
Banking System ◽  
Eu Accession ◽  
Process Of Change ◽  
Foreign Companies ◽  
Leadership Management ◽  
System A ◽  
Before And After ◽  
Post War ◽  
Investment Growth

This paper aims to depict the conditions of running a business in Poland before and after EUaccession. The author presents the business situation in Poland in the post-war period andcharacterizes the changes of the 1980’s as well as their continuation before EU accession andafterwards.He draws attention to the continuing process of change as the free market economy developed,including the changes in the banking system. A separate, but equally significant issueis the growing confidence of foreign companies that has resulted in a higher index of businessactivity initiatives in Poland, as well as an investment growth that is mainly due to an improvementin Poland’s international rating. The abovementioned processes shall be presented usingthe example of the Leadership Management Polska’s experiences and development.

scholarly journals Extending OpenID Connect Towards Mission Critical Applications

2018 ◽  
Vol 18 (3) ◽  
pp. 93-110 ◽  
Author(s):  
R. Deeptha ◽  
Rajeswari Mukesh
Keyword(s):  
Security Analysis ◽  
Banking System ◽  
Central Banking ◽  
Security Requirements ◽  
Impersonation Attack ◽  
Banking Services ◽  
Single Sign On ◽  
Authentication Mechanism ◽  
Mission Critical ◽  
Identity Provider

Abstract Single Sign-On (SSO) decreases the complexity and eases the burden of managing many accounts with a single authentication mechanism. Mission critical application such as banking demands highly trusted identity provider to authenticate its users. The existing SSO protocol such as OpenID Connect protocol provides secure SSO but it is applicable only in the consumer-to-social-network scenarios. Owing to stringent security requirements, the SSO for banking service necessitates a highly trusted identity provider and a secured private channel for user access. The banking system depends on a dedicated central banking authority which controls the monetary policy and it must assume the role of the identity provider. This paper proposes an extension of OpenID Connect protocol that establishes a central identity provider for bank users, which facilitates the users to access different accounts using single login information. The proposed Enhanced OpenID Connect (EOIDC) modifies the authorization code flow of OpenID Connect to build a secure channel from a single trusted identity provider that supports multiple banking services. Moreover, the EOIDC tightens the security mechanism with the help of SAT to avoid impersonation attack using replay and redirect. The formal security analysis and validation demonstrate the strength of the EOIDC against possible attacks such as impersonation, eavesdropping, and a brute force login. The experimental results reveal that the proposed EOIDC system is efficient in providing secured SSO protocol for banking services.

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