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Customers Categories and Types of Banking Services
Dimitriu, Daniela Simona - In: Annals of the University of Petrosani, Economics 12 (2012) 2, pp. 127-134
For a bank it is advantageous to have different types of clients because, as will receive deposits and provide loans … profit, following recovery, by the bank, business development potential offered by customers, resulting in advantages for … both bank and customer. Customer benefits can be considered: the safety of deposits held at banks; interest received for …
Persistent link: https://www.econbiz.de/10011066974
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Does Competition for Novice Borrowers Hurt Access to Finance? An Analysis in a Context of High Risk and Low Outreach
Balzarotti, Verónica; Anastasi, Alejandra - In: Ensayos Económicos 1 (2013) 69, pp. 101-149
distribution both on that access and on subsequent bank switching by borrowers. We represent such dynamics with a simple model that …
Persistent link: https://www.econbiz.de/10010849648
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Retail as a bank business: threats and opportunities to catch up
Omarini, Anna - In: BANCARIA 07 (2012) August
The financial services turmoil and consumers change have created market fragmentation and are putting high emphasis on price. Consequently, the ability to provide products and services on a cost-effective basis may not always increase margins but also exacerbate a price competition. As a result...
Persistent link: https://www.econbiz.de/10010857934
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The determinants of the ratings of European listed banks. An empirical analysis
D'Apolito, Elisabetta; Pacelli, Vincenzo - In: BANCARIA 03 (2013) March
This paper analyzes the methods of rating attribution of the major international agencies (Moody’s, Fitch and Standard & Poor’s) between 2005 and 2010 for a sample of Italian and European listed banks and tests empirically, through the multivariate analysis of Ols, the possible relations of...
Persistent link: https://www.econbiz.de/10010857941
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The credit license, a tool for measuring credit performance
D'Acunto, Rocco; Gatto, Antonino Del; Pallotta, Marcello - In: BANCARIA 12 (2013) December
Advanced credit risk measurement models, although statistically accurate and predictive, can not completely replace the human factor, which can develop more effective credit decisions, based on specific positions and the reference context.The credit license is a tool for objective measurement of...
Persistent link: https://www.econbiz.de/10010857943
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Safety and robbery indicators in the Italian banking network
Gioia, Giovanni; Iaconis, Marco; Mazziotta, Matteo; … - In: BANCARIA 03 (2012) March
Bank robberies are deemed to cause serious impacts on employees and customers. For an effective prevention it is … necessary to carefully monitor the robbery risk, measured by the number of events per 100 bank branches, and its intensity, that …
Persistent link: https://www.econbiz.de/10010857948
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Current Changes in the Role of the Insurance Sector
Danhel, Jaroslav; Duchackova, Eva - In: ACTA VSFS 7 (2013) 1, pp. 31-45
The authors analyze changes resulting from impacts of the globalization process and the crisis on the financial markets, particularly on the conservative insurance sector, which is forced to accelerate the dynamics of structural changes. The adequacy of the current regulatory measures for the...
Persistent link: https://www.econbiz.de/10010860154
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Geographical Distance and Moral Hazard in Microcredit: Evidence from Colombia
Presbitero, Andrea Filippo; Rabellotti, Roberta - Money and Finance Research group (Mo.Fi.R.) - 2012
Recent years have seen an intense and critical debate about the impact of microcredit on entrepreneurial activities and poor households' welfare. This paper suggests that information asymmetries in the ex-post loan arrangement between the microfinance institution (MFI) and local borrowers could...
Persistent link: https://www.econbiz.de/10010878447
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Who Listened? Unappreciated Teachings of New Institutional Economics Related to the Financial Crisis of 2008
Richter, Rudolf - In: Credit and Capital Markets 42 (2009) 4, pp. 473-486
Who was listening before the Financial Crisis of 2008 to Arrow’s warnings and the teachings of Coase? Due to transaction costs, incomplete foresight and bounded rationality not all risks that would be desirable to shift can be shifted through the market. Financial firms and other institutions...
Persistent link: https://www.econbiz.de/10010883550
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The Role of Ownership Concentration, its Types and Firm Performance: A Quantitative Study of Financial Sector in Pakistan
Rashid, Kashif; Nadeem, Seep - In: Oeconomics of Knowledge 6 (2014) 2, pp. 10-61
, individual and family ownership and bank and institutional ownership improve the value of shareholders in the selected market …
Persistent link: https://www.econbiz.de/10010886062