Banking Activities Research Articles

Zeuxias’ Monetary Deposits at the Sanctuary of Olympia

This bronze plaque, found in 1879, contains two monetary deposits made by an individual named Zeuxias at the sanctuary of Olympia in the second half of the fifth century BC. It constitutes one of the few preserved documents of this type, making it a valuable testimony of banking activities at Panhellenic sanctuaries. Due to the fragmentary status of the text, a comparison with other analogous inscriptions and literary testimonies is here offered, with the aim of casting some light on the reason behind the deposit, and the formulaic language used.

Sistem Pembiayaan Mitraguna Berkah pada PT Bank Syariah Indonesia KCP Medan Setia Budi

Financing and activity of a sharia bank in disbursing funds to parties other than banks based on sharia principles. Raise the money What the World Bank has to offer helps meet people's needs. Fund distribution in the form of financing is carried out in good faith. Transferred from the owner of the funds to the user. One of them is Doctor And retirement. The purpose of this discussion is to find out how the system works. Mitraguna Berkah Financing Funding, further requirements for Submission of Mitraguna Blessing Financing, and Constraints and solutions in the financing process Mitraguna Berkah. Syariah Indonesia is Mitraguna Berkah with components - Cooperation agreements and components to conclude my agreement to take action at Bank Syariah Indonesia Kcp. Medan Setia Budi Namely with Bank Syariah Indonesia The process of distributing funds to companies or agencies, then to employees. Furthermore, there are requirements for the financing system of Bank Syariah Indonesia Mitraguna Berkah. Keywords: disbursing funds, financing, sharia bank

Threats to the security of banking activities in modern Russian practice

Among other sectors of the Russian economy, the banking sector is one of the most dynamically developing. Consequently, its resistance to various shocks and possible threats will be one of the central points of support for the economic security of the state. Modern statistics show an increase in various types of incidents in the financial sector. Regular monitoring and detailed analysis of fraudulent schemes will minimize the possibility of criminal manipulation, thereby significantly reducing the number of risks and the amount of financial losses.The presented article provides a structural and geographical analysis of incidents in the financial sector recorded in 2023, and a sketch of the modern landscape of possible threats is compiled. The optimal approach to the formation of information and economic security of personal and financial data, in particular, and banking activities in general, involves comprehensive protection measures both from the point of view of the individual user and from the position of representatives of the banking community and the regulator.

Assessing the Effect of Strategic Alliances on Organizational Performance of Commercial Banks in Nigeria

This study was carried out to examine the effect of Strategic Alliances on Organizational performance of commercial banks in Nigeria. The study adopted a cross-sectional survey design with primary data generated through self-administered questionnaire. The population for this study was five (5) commercial banks in South-South, Nigeria. The study however focused mainly on their regional offices located in Asaba, Delta State, Nigeria. Six regional managers for each bank were used as the study respondents giving a total of 30 respondents. Census sampling was adopted since the study sample was small. The reliability of the instrument was achieved by the use of the Cronbach Alpha with all the items scoring alpha coefficient above 0.70. The hypotheses were tested using the spearman rankorder correlation co-efficient with the aid ofstatistical package for social sciences (SPSS). The tests were carried out at a 95% confidence interval and a 0.05 level of significance. The study findings revealed that there is a significant relationship between strategic alliances on revenue performance, cost efficiency performance and on the profitability of commercial banks in South-South, Nigeria. The study recommends that commercial banks should invest in modern technologies to effectively integrate all the banks functions and activities to minimize operational costs. The top management team should invest more on financial innovations so that customers will have a wide scope of banking products to choose from leading to customer satisfaction and improve value addition which in turn enhances financial performance.

Prospects for the development of foreign economic activities of the Russia banking sector in China

Relevance. In modern conditions of economic uncertainty and difficulties of doing business in connection with the application of sanctions, banks need to look for effective tools and ways to increase the effectiveness of mutual cooperation with other states to overcome the prevailing circumstances. During the work, the main aspects of opening and functioning of a bank branch in China were considered, as well as competitors at both the macro and micro levels were analyzed. Based on the SWOT analysis, the paper identifies the strengths and weaknesses, opportunities and threats of introducing a branch of a Russian bank into the Chinese banking market. The study identifies promising regions for the development of foreign economic activity and forms a range of banking services that contribute to the sustainable development of the branch of the Russian bank in the foreign market.The purpose of the study is to substantiate the need to develop the foreign economic activity of a Russian commercial bank in China.Objectives: Based on a comprehensive analysis and acceptability of the Chinese banking services market, an assessment of the current state of PJSC Expobank, an analysis of competitors in the proposed region and the specifics of a specific location, to develop a plan for opening a bank branch in China.Methodology. The study is aimed at achieving this goal and is based on a review of scientific research by both domestic and foreign economists, as well as an analysis of a number of requirements for opening a bank branch in China.Results. In the course of the work, the process of opening a bank branch in China for carrying out activities was analyzed, the advantages and disadvantages of expanding the boundaries of presence were identified, and promising areas for starting foreign economic activity were proposed.Conclusions. The conducted research gives grounds to conclude that the expansion of the geographical presence in China will allow PJSC Expobank to gain access to world economic centers and expand the boundaries of its activities.

From Financialization to Sustainability: The Impact of Climate Risks on Shadow Banking Activities in Non-Financial Firms in China

Climate risks are increasingly shaping corporate strategies, raising important considerations for sustainability. This study explores the impact of climate risks on the shadow banking activities of non-financial firms, examining how these risks influence sustainable financial practices. Analyzing a sample of Chinese listed firms from 2010 to 2022, this study finds that climate risks are negatively associated with shadow banking activities, reflecting a shift towards more sustainable financial management. This finding remains robust through various robustness checks and tests for endogeneity. Heterogeneity results indicate that the reduction in shadow activities due to climate risks is more pronounced in firms with higher dependence on external financing and weaker profitability. Mechanism results suggest that climate risks amplify cross-sectional risks for firms, increasing risk sources. Simultaneously, companies enhance their preference for holding cash to address potential risks. The combined effect of these factors leads to a decrease in shadow banking activities among non-financial firms, aligning with a shift towards sustainability. This study provides new insights into understanding how climate risks drive sustainable financial decision-making and enriches the research on the determinants of firm financialization.

Prinsip Kerahasiaan dan Prinsip Kehati-Hatian dalam Perlindungan Data Nasabah Bank Syariah

Islamic banks conduct their business activities in accordance with the provisions of the Sharia Banking Law, adhering to the principles of confidentiality and prudence, which are fundamental to gaining customer trust. The business activities of Islamic banks involve the collection of funds (funding) and financing (lending) based on customer trust. In addition to trusting the bank with their funds, customers also trust the bank with their sensitive personal data, which must be protected as bank confidentiality according to Article 41 of the Sharia Banking Law. This study employs a normative juridical method to examine the principles of confidentiality and prudence in the business activities of Islamic banks in protecting personal data. The study utilizes primary and secondary legal materials, reviewing literature from previous research and conducting interviews. The research findings indicate that a data breach caused by a ransomware attack experienced by BSI threatens the bank's reputation. BSI must implement data protection measures to restore customer trust through confidentiality agreements. BSI also standardizes all banking systems used. Customers affected by data breaches can file complaints with BSI and the Financial Services Authority (OJK) as the supervisory body, and the bank must protect customers as stipulated by the regulations.

A Study on fund management in Canara Bank Aralapura, Thirthahalli

A study on cash management in Canara bank in this title focused on management of cash. In a banking activity anything is done by financial requirements

Digital tax enforcement and shadow banking of non-financial firms: Evidence from China's Golden Tax Project III

Digital tax enforcement (DTE) is an important external monitoring and governance mechanism for firms. We leverage the pilot of China's Golden Tax Project III as a natural experiment of DTE to investigate its impact on non-financial firms’ shadow banking. Using a sample of Chinese firms from 2007 to 2022, we document that DTE restrains shadow banking activities of non-financial firms by improving corporate transparency and mitigating agency problems. Additional analyses suggest that the effect is more salient for firms in regions with weak financial supervision, low-quality media monitoring, low-quality auditor, or weak internal control.

Banking financial technologies: Evolution of development in Russia

Subject. This article examines financial technologies used in the banking sector. Objectives. The article aims to analyze the practices of using financial technologies in the banking sector and determine the areas for their further development. Methods. For the study, I used description and classification, and the methods of cognition, including analysis and induction. Results. The article defines the level of development of financial technologies in Russia, their role in the functioning of the banking sector, the stages of development of banking financial technologies in Russia, and the main trends in the application of technological innovations in the activities of banks. Conclusions and Relevance. Financial technologies represent a huge potential for innovation in the banking sector. The results obtained can be useful for professionals in the field of banking and management, as well as for researchers interested in the impact of innovative technologies on the banking sector.

Assessing the impact of environmental component on the development of Russian banks applying ESG policy

Subject. The article discusses operations of steadily developing Russian banks in the context of environmental component. Objectives. The aim is to identify patterns in functioning of Russian banks, applying ESG policy in their activities, under the influence of environmental factors, to improve the management of their development. Methods. The study employs regression analysis. We selected 26 Russian banks based on ESG ratings, formed an empirical base for 2011–2020 from open sources (financial and economic indicators and macro-level indicators characterizing the environmental impact by the activities of economic entities), built a linear regression model in MS Excel. Results. The constructed regression model helped reveal that the indicator “Recycling and disposal of production and consumption waste in the Russian Federation” has a significant positive impact on the pretax profit of banks applying ESG policy. However, a negative trend in the impact of banks on the environment was identified in terms of connection between the resulting indicator and the indicator “Primary energy intensity level”. This suggests that the internal capacity of banks to implement the environmental component is not sufficiently developed and used. Conclusions. The findings can be used both at the macro and micro level when generating the strategy and tactics for ESG banking development. The offered regression modeling technique can be used to analyze the role of environmental component in the activities of banks in other countries, which implement ESG policy.

Digitalization Management in the Corporate Banking Sector of Ukraine

Introduction. Digitalization in trendy banking services requires changing their relationships with corporate clients within the framework of an individual approach to each client in the context of the development of the latest information and communication technologies and Internet marketing. Therefore, improving the business customer service system based on innovative technologies in banks to increase their competitiveness and profitability remains relevant. Aim and tasks. This study aims to examine the trends in banks’ service of corporate clients in the context of the latest financial technology development and to determine the directions for forming a digitalization strategy in corporate banking in Ukraine. Results. The growth of corporate clients in the banking system of Ukraine in 2022-2024 became possible due to the digitalization of management and the implementation of electronic payment systems, which contributed to the growth in the number of open accounts, which increased by 27%, while the growth of remote servicing increased from 78% to 89% of business clients. The top 10 banks in Ukraine account for 75% of the funds in corporate clients’ accounts. Along with high reliability, the clients of these banks have come to value the digital services that banks provide that meet global standards. As a result of the growth in the volume of banking services provided to corporate clients in 2023 using digital technologies, the volume of fee and commission income of the Ukrainian banking system increased by 13% compared to 2022. Conclusions. The banking system of Ukraine is in the process of digital transformation that promotes the transformation of financial institutions into high-tech platforms capable of creating new algorithms for generating profit from digital technologies. Implementing digital transformation in the banking sector increases the number of banks` corporate clients and their satisfaction with banking products and services. This leads to an increase in the efficiency of banking activities and banks’ profitability through increased commission income. The forecasting of commission income of Ukraine’s banking system conducted in this study showed that further introduction of digitalization into corporate banking could contribute to their growth by at least 8% annually.

THEORETICAL APPROACHES TO THE ASSESSMENT OF THE FINANCIAL STABILITY OF BANKING INSTITUTIONS

The article considers the essence of the concept of ‘financial stability of a banking institution’. The external and internal factors of influence on the activities of commercial banks in the current socio-economic conditions of Ukraine are identified. It is noted that the leading role in ensuring financial stability belongs to the bank, subject to effective regulation and the use of internal methods to ensure financial stability. The existing methodological approaches to assessing the financial stability of banks used in domestic practice are analysed. It is noted that in order to ensure financial stability, it is necessary to regularly monitor and analyse vulnerabilities and risks of the financial system based on macroeconomic and prudential indicators, as well as to respond to them in a timely manner with appropriate measures. It is determined that the use of integrated approaches and the latest methods, such as econometric modelling, fuzzy set methods and graphical methods, allows obtaining a more detailed and accurate picture of the financial condition of banks and ensuring their effective management. It has been shown that the development and implementation of new methods and improvement of existing tools for analysing financial stability are extremely important for ensuring the stability and development of the banking sector. Effective financial stability management requires the use of modern methods and approaches that allow timely and accurate risk assessment and adaptation to dynamic conditions

Improving the Performance of Islamic Banking through Technological Innovation and Human Resource Management

This study base on few islamic banks those aplicate syariah law in runing their business. And the question is what the reason the principal of syaria would be executed? Which human resources those will be prepared to for running syariah bank activities? How the application of technology in assistance of bank syariah performance? The results of study are those; many syaria bank run its system not much different from commercial banks. Just change many terms in arabic language. This happen cause the commercial bank system easier and safer than syariah system. To run the syaria system, so be required better quality resources in running of businesss more than comercial banks. So, it need some analysis experts and business supervisors those more professional, to reduce the level of loses. Beside that, with the assistance of technology can help in coordination and communication with other people, especiallly between shohibul mal. Mudharib and partnership

АНАЛІЗ ДІЯЛЬНОСТІ БАНКІВ НА ФІНАНСОВОМУ РИНКУ УКРАЇНИ

The article analyzes the activity of domestic banks in Ukraine's financial market and examines the state and dynamics of the banking system's assets, capital, and liabilities for 2020-2023. Ukraine's financial market is experiencing significant challenges due to martial law, but these hard conditions also driving radical change and innovation in the sector. Due to the specificity of their activity, banks occupy a special place in the market economy and have a significant impact on the development of the financial market and the economy of the country. The integration of the national banking system into the world financial space is one of the leading directions of economic globalization, which strengthens the requirements for domestic banking institutions to increase their competitiveness and efficiency in providing financial services. This makes it necessary to study the essence and peculiarities of the functioning of banking institutions in the financial market of Ukraine in the modern, changing conditions of the development of economic relations between subjects of the national and international economy. The trend of consolidation of the banking system and withdrawal from the market of unreliable banks or banks whose capital belongs to under-sanctioned owners has been revealed. It was determined that despite the decrease in the number of these institutions, there was no significant deterioration of the main quantitative and qualitative indicators of the bank's activity, which indicates the stability of the efficiency of their activity. The state, dynamics, and quality of the banking system's credit portfolio were studied, and banks' compliance with NBU prudential regulations regarding credit risk was analyzed. The consistently high value of 45% of the share of bank assets in GDP confirms the overall efficiency of these financial institutions. A positive thing is the reduction of NPL before the full-scale invasion, but with its onset, this indicator increased again. A characteristic feature of the activity of domestic banks at present is a significant increase in the interest of institutions in investments in securities, in particular, military government bonds, the share of investments in these securities in the total assets of banks is rapidly increasing. To stabilize the financial state of the country's economy under the influence of "force majeure" circumstances, the banking system must constantly adapt its activities on the financial market, acting as an intermediary in the circulation of capital and financial resources

Affordable Care Act Medicaid expansion, access to health care, and financial behavior of the United States adults.

The access to care benefits of Affordable Care Act (ACA) Medicaid expansions are important for 45-64-year-old adults who are living below 100% of the Federal Poverty Level, a particularly vulnerable group in the United States (US). Gaining coverage from Medicaid expansions should improve access to healthcare and affect social determinants of health, including financial behavior. We analyzed data from 2009 to 2018 from the National Financial Capability Survey (NFCS) and utilize a difference-in-differences model to compare outcomes changes in states with and without expansion before and after the ACA Medicaid expansions. Overall, Medicaid expansion was associated with increased healthcare access for 45-64-year-olds, potentially resulting in better healthcare experience. Results indicate effects of the Medicaid expansion on the financial behavior of45-64-year-olds, with evidence of credit card bills being paid in full, higher banking activities, and better financial preparedness. These findings have important implications for financial regulators and healthcare policymakers.

To the question about the features of banking services

In market conditions, banking institutions occupy one of the leading positions in ensuring economic growth. Proper development of the domestic economy is impossible from the proper functioning of the banking system, providing a range of specific services that would satisfy the needs of the client (consumer). This article discusses certain features of banking services. In the system of development of the modern banking services market, despite the already existing positive experience in the implementation of actions to provide banking services, there are still difficulties that negatively affect legal relations in this area. The main problem is that there is no legal definition of the concept of “service” and its characteristics. An analysis of the current legislation regulating legal relations in the provision of banking services was carried out. The Law of Ukraine “On Banks and Banking Activities” defines what “banking activities” and types of banking services are, but the very concept of “banking services” and its characteristics are absent. It is determined that banking services have common characteristics of services as objects of civil law, and attention is also drawn to the fact that banking services are characterized by certain features. The importance of a clear understanding of the “banking service” and its features is important for the reason that their absence leads to the fact that entities engaged in banking activities are interpreted differently. The article examines the issue that when concluding certain types of agreements on the provision of banking services, in particular a loan agreement, the banking institution is the creditor and at the same time the performer of the banking service, and the debtor is, accordingly, the customer of this type of service. In general, the theoretical research conducted is aimed at increasing the clarity of understanding of the basic categories in the field of banking.

EFFICIENCY OF MONETARY POLICY IMPLEMENTATION AS A BASIS FOR CENTRAL BANK STABILISATION POLICY UNDER MARTIAL LAW (UKRAINIAN AND ISRAELI PRACTICES)

The purpose of the paper is to summarise and present the anti-crisis practices of a central bank during martial law in the country, based on the experience of the National Bank of Ukraine and the Bank of Israel. The research methodology is based on an analysis of reports, guidelines, statistical data, scientific articles, legislation bases, and other relevant materials. One of the methodological aspects of this study is a comparison of the knowledge acquired about the regulations implemented by the two central banks after the introduction of martial law in the countries. The objective is to identify potential lessons learned for the banking regulations of Ukraine and the State of Israel. The results of the study show that the practical implementation of stabilisation measures by central banks is crucial for achieving financial stability of the state both during and after wartime, as well as the ability to predict possible deepening of crises and minimise their consequences. The tools and methods used by these central banks differ. In particular, the NBU's main monetary policy instrument was foreign exchange interventions, while the BoI actively used the key policy rate. The proper formation of international currency reserves and the possibility of using them during a war-related crisis is critical for both countries. This fact confirms that crisis management has different types of scenarios. Each anti-crisis scenario is unique. This paper highlights the practical need for interaction between monetary and macroprudential policies of the central bank in wartime. It demonstrates various combinations of methods and instruments of the central bank's monetary policy. This study also shows the interdependence of the economies of these two countries. Practical implementation. This analysis provides insight into the anti-crisis activities of central banks during unpredictable periods in a country's life, namely, during martial law. At the present stage, banking systems do not often face the challenges of war. Therefore, studying each case is important for improving theoretical knowledge and deepening practical research. Value / Originality. The author of the study collected the experience and practices of stabilisation activities of the central banks of Ukraine and Israel during the war.

ANALYSIS OF INVESTMENT ACTIVITIES IN THE AGRICULTURAL SECTOR OF UKRAINE: DETERMINATION OF FACTORS AND WAYS OF ITS ACTIVATION

The purpose of the article is to study the theoretical aspects of investment activity, analyse the current level of investment activity in the agricultural sector of Ukraine's economy and identify factors and methods of its increase. Methodology. The theoretical and methodological basis of the study is the fundamental principles of national economic management, investment activity and development of agricultural production entities. The research used the following scientific methods: axiomatic (to establish basic definitions that clarify the essence of the study), systematic (to identify components within the agricultural production sector), institutional (to construct the subject-object framework of the institutional environment for investment activity in agricultural production), correlation-regression analysis (to identify key predictors influencing investment activity in the agricultural sector), abstraction (to prioritise the stimulation of investment activity in agricultural production), and reproductive (to substantiate alternative strategies for attracting investment in agricultural enterprises). The results of the study show that diversification of investment sources and modernisation of technological infrastructure of agricultural production are important prerequisites for institutional reforms in the agricultural sector of the country. Increasing investment activity in agricultural enterprises can be achieved by creating a favourable investment climate. This includes government initiatives to create a transparent and stable regulatory framework, simplify bureaucratic processes, and ensure legal and financial stability. Another key aspect is to facilitate access to financial instruments such as low-interest loans, grants and subsidies to support the development of agricultural enterprises. The results of the study are presented in the form of tables, figures, graphs, diagrams and charts. Practical implications. Given the high level of integration of the domestic agricultural sector into the global food market, it is worth exploring the potential of using customs instruments to stimulate investment processes. Such instruments could include a zero VAT rate for investment agricultural goods and measures to prevent double taxation. Value / Оriginality. Investment activity in Ukraine can be intensified under the following conditions: ensuring financing for innovations; developing and implementing a system of measures to increase the investment activity of commercial banks; promoting the development of the stock market and venture capital; developing investment infrastructure; borrowing the best international experience in assessing the efficiency of business centres and business incubators; forming an investment and innovation culture in society, etc.

Towards zero extinction—A case study focusing on the plant genus Begonia in Thailand

AbstractPlant species with small habitat ranges and specific edaphic requirements are highly vulnerable to extinction and thus require enhanced attention in biodiversity conservation. This study was designed to explore the challenges of protecting such plant species by evaluating the in situ and ex situ conservation capacities available for Thailand's species of the mega‐diverse plant genus Begonia L. A comprehensive assessment of occurrence records across the country was conducted to evaluate the spatial distribution of Begonia diversity in Thailand, identify biodiversity hotspots, assess the extinction threats faced by the 60 Begonia species known in the country, and identify existing conservation capacities and potential gaps. The results show that 78% of Begonia species in Thailand are vulnerable to extinction, with the Northern floristic region identified as both a Begonia species hotspot and a region with major conservation gaps. While in situ conservation efforts have been successful in covering over 88% of the species, they have failed to provide the protection required to achieve zero extinction. Ex situ conservation capacities are poorly developed, with only 13% of species present in botanical gardens, and no seed banking or other related activities have been initiated. This evaluation presents a sharply contrasting message: on one hand, Thailand has assembled substantial capacities to protect these plants through established national parks and other protected areas, but on the other hand, essential capacities are still lacking to render the zero extinction target achievable. We advocate for the implementation of a multi‐component conservation strategy to enable Thailand to move towards zero species extinction, even for plant species with narrow habitat ranges and high edaphic specialisation.