scholarly journals Assessing Market Structure in Iranian Banking Sector Based on the Multiproduct Approach

2016 ◽  
Vol 11 (2) ◽  
pp. 79
Author(s):  
Kamran Mahmodpour ◽  
Mohammad Nabi Shahiki Tash ◽  
Mohammad Hassan Fotros
Keyword(s):  
Cost Saving ◽  
Market Power ◽  
Banking Sector ◽  
Structural Model ◽  
The Other ◽  
Economies Of Scope ◽  
Market Penetration ◽  
Primary Level ◽  
Basic Services ◽  
Bank Concentration

This article’s first aim is to find, the primary level of poly-product in Iranian banking section that causes the layout of the market between the banks become lower and bank concentration higher. To do that we use, the instance of Omni-product banks which is one of the most common approach developed by Penza & Rosse (1987). The first strand is related to bank cost function; and the other one to earnings multiproduct approach.In evaluating this experience-based examination and defining the effects of Omni-production on market penetration, we have applied a structural model to estimate demands on deposit services with study’s result like banks presenting traditional services such as loans and ATM cards. Additionally same modern facilities like brokerage services and capital bonds are of further market power versus those with only basic services. The economies of scope degree is sized via cost saving in scale of percentage which is produced through added figures of fruitful activities in comparison with only individual yield of product. Thus, so as to empirically distinguish economies of scope in poly-product banks, no.1 level of our investigation include modeling and speculating the function of bank’s cost.

scholarly journals Estimating Platform Market Power in Two-Sided Markets with an Application to Magazine Advertising

2021 ◽  
Vol 13 (2) ◽  
pp. 35-67
Author(s):  
Minjae Song
Keyword(s):  
Market Power ◽  
Structural Model ◽  
Network Externalities ◽  
The Other ◽  
Two Sided Markets

In two-sided markets, two groups of agents interact through platforms. Because agents’ decision to join a platform is affected by the presence of agents on the other side, their interactions create indirect network externalities and make platforms’ strategies different from those of firms in one-sided markets. In this paper, I use a structural model to show that platforms may take a loss on one side of the market to make a profit on the other side and that platform mergers may benefit some agents by lowering prices or attracting more agents on the other side of the market. (JEL D62, G34, L82, M37)

Collusion in the Turkish Banking Sector

2012 ◽  
Author(s):  
Resul Aydemir
Keyword(s):  
Banking Sector ◽  
Structural Model ◽  
Banking Industry ◽  
Market Concentration ◽  
Regulatory Agencies ◽  
Sample Period ◽  
Conjectural Variation ◽  
Average Mark ◽  
Market Conduct ◽  
Variation Approach

In this paper, I consider the Turkish Banking Industry, which is dominated by a few large banks. Using a conjectural variation approach, I estimate a structural model to examine the market conduct of the largest banks for the period 1988-2009. Estimation results suggest that the Turkish banks colluded in the loan market during the sample period where the average mark-up is estimated to be in the range of 44% to 86% depending on the empirical specification. This evidence demonstrates a conflict between market concentration and competition in the Turkish banking industry. Thus, regulatory agencies should be cautious against attempts to increase concentration in the banking industry.

scholarly journals Na3Co2(As0.52P0.48)O4(As0.95P0.05)2O7

2013 ◽  
Vol 69 (12) ◽  
pp. i85-i86 ◽  
Author(s):  
Youssef Ben Smida ◽  
Abderrahmen Guesmi ◽  
Mohamed Faouzi Zid ◽  
Ahmed Driss
Keyword(s):  
Solid State ◽  
Solid State Reaction ◽  
Title Compound ◽  
General Position ◽  
Structural Model ◽  
Three Dimensional ◽  
The Other ◽  
Coordination Polyhedra ◽  
Bond Valence Sum ◽  
Full Occupancy

The title compound, trisodium dicobalt(II) (arsenate/phosphate) (diarsenate/diphosphate), was prepared by a solid-state reaction. It is isostructural with Na3Co2AsO4As2O7. The framework shows the presence of CoX22O12(X2 is statistically disordered with As0.95P0.05) units formed by sharing corners between Co1O6octahedra andX22O7groups. These units form layers perpendicular to [010]. Co2O6octahedra andX1O4(X1 = As0.54P0.46) tetrahedra form Co2X1O8chains parallel to [001]. Cohesion between layers and chains is ensured by theX22O7groups, giving rise to a three-dimensional framework with broad tunnels, running along thea- andc-axis directions, in which the Na+ions reside. The two Co2+cations, theX1 site and three of the seven O atoms lie on special positions, with site symmetries 2 andmfor the Co,mfor theX1, and 2 andm(× 2) for the O sites. One of two Na atoms is disordered over three special positions [occupancy ratios 0.877 (10):0.110 (13):0.066 (9)] and the other is in a general position with full occupancy. A comparison between structures such as K2CdP2O7, α-NaTiP2O7and K2MoO2P2O7is made. The proposed structural model is supported by charge-distribution (CHARDI) analysis and bond-valence-sum (BVS) calculations. The distortion of the coordination polyhedra is analyzed by means of the effective coordination number.

scholarly journals An Empirical Analysis of Factors Affecting Bank Interest Margins: Evidence from the South East European Countries

2018 ◽  
Vol 21 (2) ◽  
pp. 81-98
Author(s):  
Mehmed Ganić
Keyword(s):  
Interest Rate ◽  
Empirical Analysis ◽  
Banking Sector ◽  
Output Growth ◽  
The South ◽  
Factors Affecting ◽  
East European ◽  
Interest Margins ◽  
See Region ◽  
Bank Concentration

This paper provides an empirical analysis of factors affecting Bank Interest Margins in eight countries of the South‑East European (SEE) region between 2000 and 2014. The purpose of this paper is to examine and investigate the main drivers of Bank Interest Rate Margins across selected countries throughout the SEE region. Also, the study explored the relationship between the dependent variable Interest Rate Spread (IRS – as a proxy variable for measuring variation in Bank Interest Rate Margins) and a set of selected banks’ specific variables in SEE by employing panel data estimation methodology. This research is based on aggregate data for the whole banking sector of each country. In line with some expectations, our findings confirm the importance of credit risk, bank concentration operative efficiency, and inflation expectations in determining Bank Interest Rate Margins. Interestingly, in contrast to the majority of recent empirical research, the study found an inverse relationship between the bank concentration variable and Bank Interest Rate Margins as well as between the operational efficiency variable and Bank Interest Rate Margins. Also, the study could not find statistically significant evidence that Bank Interest Rate Margins are determined by output growth, bank profitability (measured by ROA) or liquidity risk.

scholarly journals Studi Komparatif Kinerja Bank Syariah Dan Bank Konvensional Dalam Menghadapi Krisis Global Berdasarkan Rasio Keuangan

2009 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Rohmawati Kusumaningtias
Keyword(s):  
Financial Crisis ◽  
Economic Crisis ◽  
Banking Sector ◽  
T Test ◽  
The Other ◽  
Other Hand ◽  
Better Than ◽  
Productive Employment

AbstractAt the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis.

scholarly journals Transformation of the Banking Sector of Ukraine: Reasons and Consequences

2017 ◽  
Vol 1 (13) ◽  
pp. 33-48
Author(s):  
Myroslava Khutorna
Keyword(s):  
Economic Development ◽  
Banking Sector ◽  
Financial System ◽  
Market Concentration ◽  
The Other ◽  
Real Economy ◽  
The Real ◽  
Other Hand ◽  
The One

This paper is devoted to the consideration of the preconditions and results of the banking sector of Ukraine transforming, its influence on the sector’s productivity, stability and significance for the real economy. It’s grounded that banking sector of Ukraine has seriously weakened its potential for the economic development stimulation. On the one hand, due to the banking sector clearance from the bad and unscrupulous banks the system has become much more sensitive to the monetary instruments and its state is going to be more predictable and better controlled. But on the other hand, massive banks’ liquidations have caused the worsening of the confidence in financial system and radical increasing of the market concentration the highest degree of which is observed in the householders’ deposit market.

scholarly journals Does Market Power Affect Banking Dividend Policy? Evidence from Nepal

2021 ◽  
Vol 1 (4) ◽  
pp. 297-306
Author(s):  
Sahadev Bhatt
Keyword(s):  
Market Power ◽  
Banking Sector ◽  
Market Competition ◽  
Influencing Factor ◽  
Commercial Banking ◽  
Agency Conflicts ◽  
Dividend Payment ◽  
Lerner Index ◽  
Asset Growth ◽  
Structural Measure

We attempt to explain how market power impacts bank dividend payment behaviors in Nepal by taking the sample from the commercial banking sector employing a panel data regression model. Using the Lerner Index (LI), a non-structural measure of market power or lack of competition, we found that market power inversely but statistically insignificantly affect dividend payment. This finding leads us to conclude that market power-a proxy of more or less competition is not an important and influencing factor to the dividend decisions in commercial banking sectors signifying that competition does not seem helpful in mitigating agency conflicts. It is also concluded that banking dividend payouts are not the result of the punitive influence of product market antagonism. Further, among other firm-specific determinants, bank size and leverage significantly positively whereas asset growth significantly negatively affect the dividend decision. However, profitability is found insignificant determinant of dividend payment. The paper enriches and contributes to the literature on banking dividend payout and helps to identify the key factors that affect banking dividend decision-making.  Keywords : Banks, Market competition, Market power, Lerner Index, Nepal

scholarly journals FINTECH SEBAGAI SALAH SATU SOLUSI PEMBIAYAAN BAGI UMKM

AdBispreneur ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 89
Author(s):  
Muhamad Rizal ◽  
Erna Maulina ◽  
Nenden Kostini
Keyword(s):  
Banking Sector ◽  
Small And Medium Enterprises ◽  
Peer To Peer ◽  
The Other ◽  
Financial Resources ◽  
Financial Industry ◽  
Loan Fund ◽  
Classic Problem ◽  
Peer Lending ◽  
Medium Enterprises

ABSTRACTIn 2017, more than 40 new fintech businesses is born, this financial business have emerged that have tried their luck in the Indonesian financial landscape along with the other 140s of startup that have stood before. Indonesia's fintech industry has become one of the prima donna that attracted so much attention from the financial industry actors. Investment on startup fintech began to attract a lot of interest, even some startup managed to get series A of investment this year. The fintech sectors are beginning to develop and many new products are launched.Meanwhile, the Ministry of Cooperatives and Small and Medium Enterprises (Ministry of Small and Medium Enterprises) launched 3.79 million micro, small and medium enterprises (SMEs) already utilizing online platform in marketing their products. This number is around 8 percent of the total perpetrators of SMEs in Indonesia, which is 59.2 million.The problem of sources of financing is a classic problem that is a barrier to the growth of SMEs who do not get financing facilities from the banking sector. Lack of financial resources makes SMEs unable to develop innovations to increase production. However, the rapid growth of financing business of fintech, such as peer-to-peer lending can now be another alternative for loan fund raisers. peer-to-peer lending is a financing business that targets the middle to lower market sectors  ABSTRAKSepanjang tahun 2017, setidaknya muncul lebih dari 40 bisnis fintech baru yang mencoba peruntungan di lanskap keuangan Indonesia bersama dengan 140-an startup lain yang telah berdiri sebelumnya. Industri fintech Indonesia memang menjadi salah satu primadona yang menarik perhatian begitu besar dari para pelaku industri keuangan. Investasi pada startup fintech mulai banyak diminati, bahkan beberapa startup berhasil mendapatkan investasi seri A di tahun ini. Sektor-sektor fintech mulai berkembang dan produk-produk baru banyak diluncurkan.Sementara itu, Kementerian Koperasi dan Usaha Kecil Menengah (Kemenkop UKM) melansir sebanyak 3,79 juta usaha mikro, kecil, dan menengah (UMKM) sudah memanfaatkan platform online dalam memasarkan produknya. Jumlah ini berkisar 8 persen dari total pelaku UMKM yang ada di Indonesia, yakni 59,2 juta.Masalah sumber pembiayaan merupakan masalah klasik yang menjadi penghambat pertumbuhan UMKM yang tidak mendapat fasilitas pembiayaan dari sektor perbankan. Kurangnya sumber dana menjadikan UMKM tidak dapat mengembangkan inovasi untuk meningkatkan produksinya. Namun demikian pesatnya pertumbuhan bisnis pembiayaan FinTech seperti peer-to-peer lending  sekarang ini bisa menjadi alternatif lain bagi para pencari dana pinjaman. peer-to-peer lending merupakan bisnis pembiayaan yang menyasar sektor  pasar menengah ke bawah.

scholarly journals The Impact of Human Capital on Stocks Performance in Emerging Markets: Evidence From Egypt

2020 ◽  
Vol 10 (1) ◽  
pp. 73
Author(s):  
Walid Abouzeid ◽  
Sharihan Mohamed Aly
Keyword(s):  
Human Capital ◽  
Emerging Markets ◽  
Banking Sector ◽  
The Other ◽  
Common Stock ◽  
General Tendency ◽  
Other Hand ◽  
The Common ◽  
The Impact ◽  
Statistical Results

This study attempts to investigate the impact of human capital on the common stock's return. The population of the study is Egyptian companies listed at the Egyptian exchange (EGX) due to 2014-2018. The statistical results indicate that there is a general tendency to change common stock's hold return to the corporation's human capital, and it is significant at 0.01 levels. In other terms, it can be stated that the corporation's human capital has a significant impact on common stock's hold return in the Egyptian corporation, and according to Adjusted R-squared the corporation's human capital explain a 57.8% from the change common stock's hold return.so; led to the impact of human capital on creating value of common stock. This can be traced back to investing in "the development and researches" on the other hand besides training, therefore medicine and technology companies get affected through these fields of development researches areas; however companies in industrial and banking sector get impacted by training field.

A Strategic Approach to Global Financial Crisis in Banking Sector

2018 ◽  
pp. 2183-2205
Author(s):  
Hasan Dinçer ◽  
Ümit Hacıoğlu ◽  
Serhat Yüksel
Keyword(s):  
Financial Crisis ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Fuzzy Topsis ◽  
The Other ◽  
Fuzzy Anp ◽  
Strategic Approach ◽  
The World ◽  
Strategic Goals ◽  
Privately Owned

Financial crisis affected many people and companies in the world negatively in terms of job loss and bankruptcy. Owing to this aspect, today many banks developed strategies in order to minimize the effects of any potential crisis which might be occurred in the future. Present study aims to evaluate the strategies of Turkish banks to minimize the effects of financial crisis by using fuzzy ANP and fuzzy TOPSIS methods. The study identifies that capital injection is the most significant strategy whereas the strategy of decreasing interest rate has the weakest importance. In addition to this aspect, it was also determined that privately-owned banks are the most successful banking group of Turkey with respect to the achievement of strategic goals during a financial crisis. On the other hand, state-owned banks have the lowest degree regarding this concept. The study recommends that Turkish banks should mainly focus on increasing capital amount in order to minimize the negative aspects of the crisis

Sign in / Sign up

Export Citation Format

Share Document