Role of the Commercial Bank in Financing Offshore Mineral Exploitation

1970 ◽  
Author(s):  
C. Thomas Houseman
Keyword(s):  
Commercial Bank

The Role of the Commercial Bank

1945 ◽  
Vol 11 (2) ◽  
pp. 386
Author(s):  
James E. Drew
Keyword(s):  
Commercial Bank

scholarly journals ROLE OF COMMISSION RECEIPTS IN FORMATION OF THE REVENUE OF THE COMMERCIAL BANK

2019 ◽  
Vol 4 (31) ◽  
pp. 22-30 ◽  
Author(s):  
I. A. Kosach ◽  
A. V. Zhavoronok ◽  
M. F. Fedyshyn ◽  
A. S. Abramova
Keyword(s):  
Commercial Bank

scholarly journals Local and international dimensions of credit provision by commercial banks in Kenya

2017 ◽  
Vol 12 (3) ◽  
pp. 87-99
Author(s):  
Roseline Misati ◽  
Anne Kamau
Keyword(s):  
Interest Rates ◽  
Commercial Bank ◽  
Home Ownership ◽  
Bank Lending ◽  
Bank Loans ◽  
Foreign Banks ◽  
Interest Rate Spread ◽  
Bank Ownership ◽  
Main Determinants

Although considerable research has focused on the determinants of credit to the private sector, the issue still remains controversial, particularly with respect to the role of foreign banks in emerging markets. This study sought to understand the factors that affect lending of commercial bank loans both in form of foreign and local loans. It used panel data methods on quarterly bank-specific data covering the period from 2000 to 2013. In general, the results reveal that the ownership structure, housing variable and the size of the bank are the main determinants of aggregate commercial bank lending. This conclusion is maintained even when the determinants of foreign loans and local loans are specifically examined separately. However, the role of the liquidity measure is in not consistent in the different specifications while the role of interest rates is largely in line with expectation in most of the specifications. Implicitly, the results seem to suggest a need for mergers of small banks, policy focus on incentives for more local bank ownership and continued efforts on minimization of interest rate spread, which not only promote mortgage financing and home ownership, but also overall credit growth.

Moderating Effect of Marketing Mix Strategy on the Relationship Between Service Quality and Customer Satisfaction of Commercial Bank Customers, Nairobi Kenya

2017 ◽  
Vol 3 (1) ◽  
Author(s):  
Victor Lusala Aliata ◽  
Patrick B. Ojera ◽  
Jairo K. Mise
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Commercial Bank ◽  
Banking Industry ◽  
Marketing Mix ◽  
Product Price ◽  
Negative Results ◽  
Marketing Mix Strategy ◽  
The Relationship

Marketing strategy remains a critical driver of customer satisfaction and competitiveness in the banking industry globally. Despite this, Commercial banks in Kenya are yet to attain required customer satisfaction levels. This is evident in the low average customer satisfaction index (CSI) which dropped from 67% in 2011 with a downward trend to 60% in 2015 way below the Kenyan Banking industry benchmark of 77%. Studies on the relationship between service quality and customer satisfaction revealed both positive and negative results. These suggest that the relationship may be affected by other factors such as marketing mix strategy. Previous studies have not addressed the role of marketing mix strategy comprising of product, price, promotion, place, people, process and physical evidence in the relationship between service quality and customer satisfaction. The role of a moderating variable like marketing mix strategy can have a strong influence on the strength of the relationship thus it’s needed for the study. The main purpose of this study was to analyze the effect of marketing mix strategy on the relationship between service quality and customer satisfaction of commercial bank customers in Nairobi, Kenya.

scholarly journals Does e-HRM improve labour productivity? A study of commercial bank workplaces in Pakistan

2018 ◽  
Vol 40 (2) ◽  
pp. 281-297 ◽  
Author(s):  
Naveed Iqbal ◽  
Mansoor Ahmad ◽  
Matthew M.C. Allen ◽  
Muhammad Mustafa Raziq
Keyword(s):  
Service Quality ◽  
Commercial Bank ◽  
Structural Equation ◽  
Large Scale ◽  
Labour Productivity ◽  
Content Type ◽  
Mediating Role ◽  
Hrm Practices

Purpose Drawing on data from a unique, large-scale survey, the purpose of this paper is to examine the links between e-HRM and perceived labour productivity both directly and through the mediating role of HR service quality amongst commercial-bank workplaces in Pakistan, many of which have introduced e-HRM. Design/methodology/approach The authors use partial least squares structural equation modelling to examine the direct links between e-HRM and productivity as well as the mediated links between e-HRM, perceived HR service quality and productivity. Findings The authors show that e-HRM practices have a statistically significant, positive effect on managers’ perceptions of labour productivity. The authors also reveal that e-HRM practices influence the quality of HR service, and that the quality of HR services fully mediates the relationship between e-HRM practices and managers’ perceptions of labour productivity. Practical implications The results highlight the importance of designing and implementing e-HRM systems so that they support organisation workflow and enable workers to carry out a range of HR and non-HR activities more efficiently. In particular, this study suggests that managers should focus on how e-HRM impacts on HR service quality in a holistic way, as this is the “route” via which e-HRM can improve labour productivity. Originality/value Existing research has demonstrated a link between e-HRM and the quality of HR services; however, these studies downplay the potential impact of e-HRM on labour productivity, a key organisational outcome and one that e-HRM aims to improve. This study contributes to the HRM literature by identifying how e-HRM can improve labour productivity by enhancing the perceived HR service quality. This study, therefore, provides the basis for future theory developments in this area.

On the Signalling Role of Debt Maturity

2006 ◽  
Vol 6 (1) ◽  
Author(s):  
Robert Lensink ◽  
Thi Thu Tra Pham
Keyword(s):  
Commercial Bank ◽  
Debt Maturity ◽  
Short Term ◽  
Debt Contracts ◽  
High Quality ◽  
Model Simulations ◽  
Secured Debt ◽  
Unsecured Debt

This paper focuses on the signalling role of debt maturity. The main novelty of the paper is that it analyzes a setting in which high quality firms use collateral as a complementary device along with debt maturity to signal their superiority. Model simulations suggest a non-monotonic relationship between firm quality and debt maturity, in which high quality firms have both long-term secured debt and short-term secured or non-secured debt and low quality firms have long-term unsecured debt. We provide some empirical evidence for this result based on debt contracts of the Asia Commercial Bank.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) PADA PT. BANK MANDIRI (PERSERO) PERIODE 2015 - 2018

2020 ◽  
Vol 20 (3) ◽  
pp. 1
Author(s):  
Pingkan Aprilia Maramis
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Commercial Bank ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Self Assessment ◽  
Public Funds ◽  
Good Corporate Governance

ABSTRAK Dunia perbankan begitu penting dalam masyarakat maupun dalam memajukan perekonomian suatu Negara. Bank dijadikan sebagai tempat untuk melakukan berbagai transaksi yang berhubungan dengan keuangan seperti, tempat mengamnkan uang, melakukan investasi, pengiriman uang, melakukan pembayaran atau melakukan penagihan, Kasmir (2014:2). Menyadari pentingnya peranan bank, maka kesehatan bank harus terjaga karena bank mengelola dana masyarakat yang dipercayakan kepada bank. Berdasarkan Peraturan Bank Indonesia No. 13/1/PBI/2011 tentang Penilaian Tingkat Kesahatan Bank Umum dengan Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital yang selanjutnya disebut dengan metode RGEC. Penelitian ini bertujuan untuk mengetahui penilaian tingkat kesehatan Bank Mandiri Periode 2015-2018 dilihat dari factor Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Dalam penelitian ini penilaian pada factor Risk-Profile dilihat dari risiko kredit diukur dengan rasio NPL dan risiko likuiditas diukur dengan rasio LDR, factor Good Corporate Governance (GCG) diukur dengan penilaian self assessment bank, factor Earning diukur dengan rasio ROA, dan factor Capital diukur dengan rasio CAR. Hasil penelitian yang telah dilakukan menunjukan Bank Mandiri selama periode 2015-2018 pada factor Risk Profile dengan rasio NPL mendapatkan predikat Sehat, dengan rasio LDR mendapatkan predikat Cukup Sehat, pada factor GCG mendapatkan predikat Sangat Baik, pada factor Earnings mendapatkan predikat Sangat  Sehat, dan factor Capital mendapatkan predikat Sangat Sehat. Kata Kunci: profil risiko, GCG, Rentabilitas, Permodalan, Kesehatan Bank             ABSTRACT Banking is very important in society as well as in advancing the economy of a country. Banks are used as a place to carry out various financial-related transactions such as, a place to deposit money, make investments, send money, make payments or make collections, Kasmir (2014: 2).Recognizing the important role of banks, bank health must be maintained because banks manage public funds entrusted to banks. Based on Bank Indonesia Regulation No. 13/1 / PBI / 2011 concerning Evaluation of Commercial Bank Health Levels with Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital , hereinafter referred to as the RGEC method. This study aims to determine the level of soundness of Bank Mandiri for the period of 2015-2018 seen from thefactors Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital. In this study the assessment on factors Risk-Profile views of credit risk is measured by the ratio of NPL and liquidity risk is measured by the LDR, factor Good Corporate Governance (GCG) was measured with the assessment of self-assessment of banks, the factor Earning measured by ROA, and factors Capital is measured with a CAR ratio. The results of research that have been done show that Bank Mandiri during the 2015-2018 period on thefactor Risk Profile with the NPL ratio received the title of Healthy, with the LDR ratio getting the Pretty Healthy predicate, the GCG factor received the Very Good predicate, thefactor Earnings earned the Very Healthy predicate, and the factor Capital gets the title of Very Healthy. Keywords: risk profile, GCG, Profitability, Capital, Bank Health

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