Bank Branches Research Articles

Providing bank branch ranking algorithm with fuzzy data, using a combination of two methods DEA and MCDM

Providing bank branch ranking algorithm with fuzzy data, using a combination of two methods DEA and MCDM

Digital finance reduces urban carbon footprint pressure in 277 Chinese cities

As global warming's impact on humanity surpasses initial predictions, numerous countries confront heightened risks associated with escalating urban carbon footprints. Concurrently, digital finance has flourished, propelled by advancements in digital technology. This convergence underscores the urgency of exploring digital finance's role in mitigating urban carbon footprint pressures. This study analyzes data spanning 277 Chinese cities from 2011 to 2020, yielding several key findings: Firstly, we developed a dataset detailing the carbon footprint pressures in these cities, revealing that variations in these pressures predominantly correlate with economic growth. Secondly, our analysis indicates that digital finance has a significant impact on reducing urban carbon footprint pressures, through mechanisms such as reducing the number of physical bank branches and enhancing residents' environmental awareness. Thirdly, the study identifies that the efficacy of digital finance in reducing carbon footprint pressures varies according to factors like sunshine duration and geographic location. The insights from this research aim to contribute substantively to strategies for sustainable urban development.

Performance evaluation of bank branches in the atmosphere of grey uncertainty

Purpose As some data to evaluate the efficiency of bank branches is qualitative or uncertain, only grey numbers should be used to calculate the efficiency interval. The combination of multi-stage models and grey data can lead to a more accurate and realistic evaluation to assess the performance of bank branches. This study aims to compute the efficiency of each branch of the bank as a grey number and to group all branches into four grey efficiency areas. Design/methodology/approach The key performance indicators are identified based on the balanced scorecard and previous research studies. They are included in the two-stage grey data envelopment analysis (DEA) model. The model is run using the GAMS program. The grey efficiencies are calculated and bank branches have been grouped based on efficiency kernel number and efficiency greyness degree. Findings As policies and management approaches for branches with less uncertainty in efficiency are different from branches with more uncertainty, considering the uncertainty of efficiency values of branches may be helpful for the policy-making of managers. The grey efficiency of branches of one bank is examined in this study using the two-stage grey DEA throughout one year. The branches are grouped based on kernel and greyness value of efficiency, and the findings show that considering the uncertainty of data makes the results more consistent with the real situation. Originality/value The performance of bank branches is modeled as a two-stage grey DEA, in which the efficiency value of each branch is obtained as a grey number. The main originality of this paper is to group the bank branches based on two grey indexes named “kernel number” and “greyness degree” of grey efficiency value.

Bank Competition and Bank Risk: Evidence from an Emerging Economy

This paper investigates the relationship between banks’ competition and nonperforming loans (NPLs), considering GDP per capita, gross savings, and domestic bank credit to the private sector. The study utilizes comprehensive secondary data from 1994 to 2022, scrutinizing diverse banking environments and revealing significant findings. The analysis reveals a significant positive correlation between the number of banks and the NPL ratio, indicating that increased competition leads to higher NPL. Nonetheless, banks' domestic credit to the private sector has little effect on NPLs. The analysis also reveals a significant positive correlation between gross savings and the NPLs. Furthermore, higher NPLs ratio is linked to reduced commercial bank branches, lower capital adequacy ratios, and diminished bank liquidity reserves, posing potential financial stability risks. Even if large NPLs initially lower inflation rates, their long-term impacts depend on successful policy interventions. Additionally, NPLs significantly impact banks' return on assets and net interest margins, necessitating effective profitability and risk management strategies. The study offers crucial insights for regulators, politicians, and banking professionals to understand the complexities of risk management and competition in the banking industry and create plans to lower NPLs.

Move a Little Closer? Information Sharing and the Spatial Clustering of Bank Branches

Abstract We present a model of credit market competition to derive key hypotheses about how information sharing between banks influences the spatial clustering of their branches. We then test these hypotheses using data on 56,555 branches owned by 614 banks across 19 countries. We find that information sharing incentivizes banks to establish branches in localities that are new to them but that are already served by other banks. The resultant branch clustering is associated with reduced spatial credit rationing, as information sharing enables firms to access credit from more distant banks. These findings underscore how information sharing makes it more important for banks to move closer to each other rather than closer to their borrowers.

Job Stress Health and Coping Strategies among Bank Branch Managers

Job Stress Health and Coping Strategies among Bank Branch Managers

Foreign bank branch participation and U.S. syndicated loan contract design

I examine whether and how foreign bank branch participation in U.S. loan syndicates influences loan contract design. I predict that foreign bank branches’ dollar funding liquidity risk and information frictions increase renegotiation costs and affect loan contract design. I find that loan contracts with greater foreign bank branch participation include fewer flexibility-reducing covenants, such as capital expenditure and balance sheet covenants, that restrict borrowers from making positive net present value investments. I document similar results using matched sample and plausibly exogenous variation in foreign bank branch participation. Additionally, loan contracts with greater foreign bank branch participation are more likely to feature split control rights, which give banks in revolving lines of credit the exclusive right to renegotiate. In contrast, foreign bank branches are more likely to be included in covenant-lite term loans. Overall, I show that foreign bank branch participation affects U.S. syndicated loan contract design through renegotiation costs.

The Effect of Women in Business on the Performance of Commercial Banks in Calabar, Nigeria

This research paper investigates the impact of women in business on the performance of commercial banks in Calabar, Nigeria. The paper explores how the presence of women in various business roles, particularly in leadership and management, affects the financial and operational success of the banking sector. A survey research design was adopted. A sample size of fifty-four (54) respondents was selected from the total population of sixty-two (62) women employees using simple random sampling technique in all the 13 branches of the banks. Data were collected through a structured questionnaire and were analyzed using descriptive statistics and a simple linear regression was used to test the hypotheses via SPSS. The research findings showed that the women in business have significant effect on organizational performance in commercial bank branches selected for the study. Specifically, the study revealed that there is a significant and positive effect of women in business on organizational productivity, financial stability, customer satisfaction, employee engagement, and innovation. Arising from the findings, the study recommended that organizations whether manufacturing or servicing should ensure gender diversity in their team which will bring unique perspectives and experiences to the table, which can lead to more effective problem-solving and new ideas for improving productivity and innovation. The study also recommended that organizations should encourage women participation in the leadership role as they are often known for their strong communication and empathetic skills, which can lead to higher service quality and improved organizational effectiveness to enhance performance.

Improving the KYC Onboarding Process Using Business Process Re-Engineering: A Case Study of a Foreign Bank in Indonesia

The Know-Your-Customer (KYC) onboarding component in the customer acquisition process became an issue in an Indonesian branch of a prominent global bank. In 2023, the branch received a significant complaint from one of its major clients, noting the inefficiency of its KYC onboarding process, thus garnering attention from local senior management. From 2019 to 2023, there was a steady increase in client dissatisfaction rate and the number of new clients dropping their requests during the KYC onboarding stage. This research aims to identify the pain points in Magnolia Bank’s KYC onboarding process and propose solutions using the Business Process Re-engineering (BPR) approach. Fifteen respondents, including 10 bank employees and 5 corporate clients, were interviewed. Thematic analysis of interview results was conducted and it revealed three major pain points of the process: difficulty in document submission, challenges in requirements, and communication issues. The root cause of these pain points were then analyzed using the fishbone diagram, from which three root causes were discovered: inadequate technology infrastructure, lack of transparency in the process, and insufficient guidance that clients receive from the bank. The BPR approach was taken to fix the problems, the project focused on improving the guidance to clients, enhancing technology infrastructure, and developing a system for clients to track their onboarding progress. The proposed business solution for this research is for Magnolia Bank to develop a dedicated KYC onboarding platform, allowing prospective clients to submit the requirements directly, experience a one-window communication system, and track their KYC onboarding status.

Disentangling the influence of CSR initiatives on the performance of banking institutions

This study aims to investigate the effects of different corporate social responsibilities (CSR) on the organizational performance of the banking sector. The target population of this study was bank employees working at various bank branches in Bangladesh. In this investigation, the data gathering procedure was conducted utilizing a Google Form distributed via email, accompanied by a cover letter, to facilitate participation among bank employees. The study collected data from the current bank employees of several banking institutions in Bangladesh. They were sent a survey invitation to participate, and after their approval, their responses were gathered. A five-point Likert scale was used to determine the item-wise questionnaire, with ‘1’ indicating ‘Strongly Disagree’ and ‘5’ indicating ‘Strongly Agree’. The final sample size was 263. Moreover, to evaluate the hypothesis, a 5% significance level and SPSS software were used to analyze the data for research purposes. The outcome of this study shows that internal and external CSR activities have a positive and significant impact on the organizational performance development of Bangladesh’s banking sector. These factors can account for 52.70% of the variability observed in forecasting the performance of bank organizations. External CSR initiatives (β = 0.318; t = 5.937) have the highest effect on a bank’s performance. Additionally, a substantial correlation coefficient (r = 0.436) is present between internal CSR and bank performance. This study might provide significant clues to the management committees of the banking sector that can severely influence a bank’s performance development.

FINANCIAL INCLUSION AND POVERTY IN NIGERIA

This study examined the effect of financial inclusion on poverty alleviation in Nigeria from 1982 to 2020. It highlights the importance of financial inclusion as a tool to combat poverty, emphasizing the significant impact of poor financial inclusion on the inability of the poor to access financial services, thereby exacerbating poverty levels. The study utilized data from the Central Bank of Nigeria (CBN, 2022) statistical bulletin and the World Development Indicators (World Bank, 2022). The study employed descriptive statistics, correlation analysis, unit root tests (Augmented Dickey Fuller and Phillips-perron tests), and the Auto Regressive Distributed Lag (ARDL) model to analyze the data and assess the relationship between financial inclusion and poverty. The findings revealed both short-term and long-term negative relationships between financial inclusion and poverty in Nigeria. Specifically, variables such as the number of commercial bank branches, loans by rural bank branches, and credits to the private sector were found to have a negative association with poverty. Conversely, lending rates were positively correlated with poverty levels. Additionally, while credits to the private sector and loans by rural bank branches were statistically insignificant, the number of commercial bank branches showed significance at a 5% level. Based on the findings, the study recommended several policy measures to enhance financial inclusion and alleviate poverty in Nigeria. These recommendations include expanding the Small and Medium Enterprises Development Fund (MSMEDF), reducing lending rates, and lowering the cost of delivering financial services to improve access to financial services for the poor. Keywords: Credits, Credits to private sector, Financial inclusion, lending rates, per capita income, poverty.

The Influence of Digital Transformation on Customer Service, Employee Roles, and Regulatory Compliance in Branch Banking: Evidence from ICICI Bank, Vidarbha Region

The Influence of Digital Transformation on Customer Service, Employee Roles, and Regulatory Compliance in Branch Banking: Evidence from ICICI Bank, Vidarbha Region

Власть и сельскохозяйственная кооперация России в начале XX века

The article examinestherelationship between government and agriculturalcooperation in Russia.First of all,the oppressive activities of the central office, which was represented by various ministries and departments, as well as the activities of the local administration, represented by the Institute of governors, provincial committees on small loans, inspections of small loans at local branches of the State Bank, zemstvo chiefs, and the police are being investigated.

Knockin' on the bank's door: The impact of U.S. bank branch closures on self‐employment dynamics

AbstractThe U.S. bank branch network has contracted since the 2010s, limiting borrowers' access to credit institutions. This paper analyzes the changes in banks' branch concentration and their effect on borrowers' choices of being self‐employed. To evaluate the impact of the bank branch closings, I use a shift‐share research design to assess self‐employment exits using zip code variation in preexisting bank market shares. I disaggregate the self‐employed into two categories: entrepreneurs whose businesses depend on business loans (incorporated self‐employed) and other self‐employed individuals (unincorporated self‐employed). Using a Community Advantage Panel Survey, I find that the proximity of credit market institutions has heterogeneous effects on self‐employment exits. While bank branch closures lead to a decline in incorporated businesses, particularly within a five‐mile radius, unincorporated businesses appear insignificantly affected.

Investigation into the Nexus between Workplace Spirituality and Employee Performance in Indian Banks: The Interplay with Mental Health as a Mediat-ing Factor in the Context of West Bengal, India.

Purpose – The purpose of the study was to develop an additional perspective on when and why workplace spirituality predicted employee performance through employee mental well-being. It was hypothesized that spiritually motivated employees were better able to motivate themselves at work, establishing a connection with their inner selves and personal lives during work. Aims(s) – The primary objective of this research was to elucidate the causal relationship between workplace spirituality among banking employees and its impact on employee performance. Design/methodology/approach – The sample comprised of 400 employees who were employed in different bank branches across West Bengal, India. The author conducted an Exploratory Factor analysis to find out the other factors of workplace spirituality and used structural equation modeling on SPSS AMOS 22 to test the hypotheses. Findings – The study's implications for the banking sector, facing staff turnover and low morale, highlighted the interplay of workplace spirituality, mental health, and employee performance. Positive findings underscored the mediating role of mental health, showcasing the significance of inner-life, connectedness, and meaning in fostering a united environment. Limitations of the study – Practical implications – The study posited that such spirituality enhanced mental well-being, fostering cordial employee relations, and thereby contributed to heightened performance outcomes. Originality/value Through workplace spirituality, employees improved their mental clarity, emotional resilience, and problem-solving abilities. Spirituality played a crucial role in ethical decision-making, fostering trust and honesty. The study emphasized prioritizing workplace spirituality to enhance employee well-being and performance, promoting a positive work environment.

Enhancing Audit and Compliance in Branch Banking: The Impact of Digitization and Artificial Intelligence at ICICI Bank, Vidarbha

Enhancing Audit and Compliance in Branch Banking: The Impact of Digitization and Artificial Intelligence at ICICI Bank, Vidarbha

Economic Determinants of Financial Service Accessibility

This study investigates the influence of economic factors in ensuring access to financial services. Financial service accessibility is assessed using metrics such as the number of bank branches and ATMs per 100,000 people, as well as an index derived from these indicators. Drawing from existing literature, a set of economic variables - namely, employment, inflation, gross domestic savings, remittances, bank credit to deposits, and urbanization - are examined using data from 179 countries over eighteen years spanning from 2004 to 2021, with projections extending to 2023. The findings indicate that employment, remittances, bank credit to deposits, and urbanization exert statistically significant effects on access to financial services. These results are robust across alternative definitions of financial access, subsamples categorised by economic development, and exercises addressing endogeneity concerns.

Financial Inclusion and Human Development: Evidence from African Countries

Africa is a continent that has experienced significant economic and developmental challenges, including high levels of poverty, income inequality, and limited access to financial services. According to a report by the World Bank in 2020, Africa has the lowest rate of financial inclusion in the world. Financial inclusion is important in that it contributes to the achievement of 7 out of 17 sustainable development goals provided by the United Nations. Apart from having low levels of financial inclusion, African countries are also ranked lowest in terms of human development. There is a growing consensus that financial inclusion is essential for economic growth and human development. This study examined the effect of financial inclusion on human development in African countries. To achieve the research objective, the study employed a panel longitudinal research design that involved collecting secondary data for the period between 2011 and 2020 on an annual basis for each of the 54 African countries. Findings indicate that financial inclusion, measured by bank branches, ATMs, deposit accounts, and loan accounts, has a positive and significant effect on human development in African countries. The study concludes that fostering financial inclusion is crucial for promoting human development in African countries. Policy implications include the need to enhance access to banking services, along with developing supportive regulatory frameworks. The study also emphasizes the need for policymakers to prioritize inclusive finance and implement targeted interventions to address the specific challenges and opportunities within each context.

Indicators of banks and economic indicators on non-cash payments in ASEAN-7 countries

This research explores the intricate relationship between digitalization, economic development, and non-cash payments in the ASEAN-7 countries over a ten-year period from 2011 to 2020. Focusing on factors such as commercial bank branches, broad money, and inflation, the study employs panel data regression analysis to investigate their impact on automated teller machine (ATM) usage. The findings reveal that commercial bank branches significantly influence ATM usage, emphasizing the role of accessibility, services, and technological preferences. Broad money also shows a significant impact on ATM transactions, reflecting the interplay between fund availability and non-cash transactions. However, inflation does not exhibit a direct influence on ATM usage. The research underscores the importance of maintaining service quality and security in the banking sector to enhance digital financial inclusion. Future research opportunities include exploring diverse non-cash payment methods and extending studies to countries with significant global economic impacts. This research contributes valuable insights to policymakers aiming to enhance digital financial inclusion policies, ultimately fostering economic growth through the digital economy in the ASEAN-7 region.

A COMPARATIVE STUDY ON EMPLOYEE SATISFACTION AND PRODUCTIVITY AT DIFFERENT HDFC BANK BRANCHES

The primary objective of this research is to examine employee happiness and productivity in different branches of HDFC Bank and determine the key factors influencing these indicators. This study looks at many branches in an effort to identify trends and differences in worker satisfaction and operational effectiveness. This research will employ both quantitative and qualitative methods of data gathering, such as surveys and interviews. The study will evaluate factors including work environment, managerial support, and resource availability to find out how these affect employee happiness and productivity levels. In order to assess consistency and efficacy among branches, the research will also compare operational performances using industry benchmarks that have been developed. It is anticipated that the results will offer practical perspectives and suggestions to improve worker productivity and overall organisational effectiveness at HDFC Bank. In addition to adding to the body of knowledge in human resources management, this study supports HDFC Bank's strategic planning and implementation of programmes aimed at increasing productivity and employee happiness.