Bank Deposits Research Articles

Destabilisation of Bank Deposits Across Destinations: Assessment and Policy Implications

Destabilisation of Bank Deposits Across Destinations: Assessment and Policy Implications

ОЦЕНКА ВЛИЯНИЯ ЧАСТНЫХ ИНВЕСТОРОВ НА ТЕНДЕНЦИИ РАЗВИТИЯ РОССИЙСКОГО ФИНАНСОВОГО РЫНКА

This article examines the activities of individuals in the Russian financial market. Today, they account for more than 40% of the assets traded on the Moscow Stock Exchange. At the same time, stable trends of competition between investments in stock market instruments and bank deposits remain. Investors’ behavior is largely determined by their personal cognitive distortions and perception of external factors. This is largely due to the increased interest of individuals in the financial market. Due to the massive influx of individuals into the Russian stock market, a fairly large share of exchange-traded assets began to be allocated to their share.

Is Maturity-Transformation Risk Priced into Bank Deposit Rates?

Is Maturity-Transformation Risk Priced into Bank Deposit Rates?

Features of the ownership right to a bank deposit

Features of the ownership right to a bank deposit

Bank-specific determinants of deposit banks profitability in a highly dollarised economy: evidence from Turkey

Bank-specific determinants of deposit banks profitability in a highly dollarised economy: evidence from Turkey

Effects of Work-Life Balance on Organisational Performance: A Study of Selected Deposit Money Banks in Makurdi Metropolis, Nigeria

This study looked at a few deposit money institutions in the Makurdi Metropolis to see how work-life balance affected organizational performance. The study aimed to accomplish the following goals: to ascertain how work-life balance affects the organizational performance of a few selected deposit banks in Makurdi. The study concentrated on the employees of a few selected deposit money institutions in the 606-person Makurdi metropolis. The Taro Yamane formula was used to calculate the sample size, which resulted in a sample size of 252 people. The study used first-hand information. The major data collection tool was a questionnaire. Regression and correlation analysis were the methods utilized to analyze the data, and the Statistical Packages for Social Sciences (SPSS 21) was used to assess the hypotheses that were developed. Tables and straightforward percentages were used to portray the raw data that was taken from the primary source. According to the study, certain deposit money banks in the Makurdi metropolis perform significantly better when they have flexible working arrangements, wellness programs, family responsibilities, and work-life conflicts, all of which have beta coefficients of 0.203, 0.468, 0.269, and 0.293, respectively. According to the beta coefficient, wellness programs had the highest beta values, with a beta value of 0.468. In summary, the study found that work-life balance issues, family responsibilities, and flexible work schedules all benefited certain deposit money institutions in the Makurdi metropolis. The study’s ultimate finding is that effective wellness initiatives offered by banks are essential for raising staff productivity and organizational effectiveness.

Human Resource Outsourcing and Performance of Deposit Money Bank in Anambra State, Nigeria

The study investigates human resources outsourcing and performance of deposit money bank in Anambra State, Nigeria. Four research questions and four hypotheses guided the study. Relevant conceptual, theoretical and empirical literature were reviewed taking cognizance of the problem of the study. The study is anchored on resources-based view theory of outsourcing. Survey research design was adopted in this study. The study was carried out in Anambra State. The population of the study comprised of 2633 employee of money deposit bank in Anambra State, Nigeria, while the sample consists 517 employee of money deposit bank in Anambra State. Borg and Gall was used to obtain the sample size. Face and content validity method was used to ensure validity of the instrument. The reliability of the instrument was achieved through test re-rest method and Cronbach’s Coefficient of 0.73 was obtained. Simple percentage analysis was employed to answer the research questions. Linear regression analysis was used in testing the hypotheses. The result of the analyses showed that human resource outsourcing for reduction of cost has a significant positive effect on return on net profit of deposit money bank. Human resource outsourcing for employee competence has a significant positive effect on return on owner equity in deposit money bank. Human resource outsourcing for knowledge transfer has a significant positive effect on operational effectiveness in deposit money bank in Anambra State Nigeria. Therefore, the study concluded that human resource outsourcing has a significant positive effect on the performance of deposit money bank in Anambra State Nigeria. The study recommended that banking industries should offer better terms of service and proper training to help improve employee competence and reduce costs of outsourcing its human resources functions for better performance. Banking industries should outsource only necessary aspects of business to avoid reduction in profit levels. Banking industries should investigate background check before knowledge transfer outsourcing and organizations should have a backup system to avoid losing vital data as a result of incompetence on the part of the external supplier.

BANKALARIN PİYASA RİSKİNE DUYARLILIK RASYOLARI ÇERÇEVESİNDE GRUPLANDIRILMASI

Foreign capital banks operating in a country have positive and negative aspects to the country's financial system and banking activities. One of the negativities is that banks with foreign capital are not prepared for certain risks and crises; and they tend to leave the country in the face of social and political problems in the country. The aim of this study is to analyze the sensitivity of foreign banks to market risk and to test whether these attitudes of foreign banks have changed despite the impositions of globalization. In line with this determined purpose, it is investigated by cluster analysis whether public, private and foreign capital deposit banks operating in Turkey differ from each other in terms of market risk sensitivity ratios. In other words, their risk groups are investigated by cluster analysis.
 
 Results of the analysis, for the period 2018-2020 which includes the pandemic crisis have emphasized that the banks with foreign capital did not differ significantly from other deposit banks. On the contrary, there exist similarities with other banks. This shows that the banking sector has adapted to the globalization phenomenon and does not perform much differently than local banks in terms of sensitivity to market risks.

FINANCIALISATON OF SAVINGS: THE SUBTLE POWER OF NUDGES IN SHAPING PERSONAL FINANCE

The Indian financial services landscape has evolved and transformed in the last decade . The use of technology and policy push has catalysed the evolution. In the evolving landscape of personal finance, the shift from traditional saving methods to financialized saving strategies represents a significant behavioural and economic transition . This paper examines how the application of nudge theory has been instrumental in steering this transformation. As individuals increasingly move from conventional savings like bank deposits to more complex financial vehicles such as stocks, mutual funds, and retirement accounts, understanding the role of behavioural nudges in this shift becomes crucial. The study explores the application of nudge theory as proposed by Thaler and Sunstein(2008), exploring its practical implementation in personal finance. The study explores the awareness level of college students for financial inclusion schemes.. Employing a qualitative approach also compiles the inputs of experts and stakeholders to understand the impact of these nudges on personal saving habits. The papers explores how subtle modifications in choice architecture and policy design, such as automatic enrolment in pension plans, default fund options in investment schemes, and simplification of financial choices, effectively nudge individuals. It conclusively underline the need for Nudging for broadening the investor base with the balance of informed decision making to safeguard financial stability and financial wellbeing.

EVALUATION OF DEPOSIT BANKS OPERATING IN TURKEY WITH CAMELS ANALYSIS

The banking sector fulfills many important roles such as growing the financial sector, increasing economic welfare, promoting investments and supporting all other segments of society. Due to these aspects, it is very important to closely monitor the sector and analyze its performance continuously. In this study, CAMELS method is preferred to analyze the performance of 12 deposit banks operating in the banking sector between 2011 and 2021. According to the results obtained, it was determined that the performance of Ziraat Bank, Halkbank and Vakıflar Bank, which are publicly owned banks, followed a poor course in general, while private capital banks generally have a good outlook, and Akbank and Citibank are the private capital banks with the best performance.

Mobilization of Deposit in Commercial Banks of Ethiopia: Conceptual Model development through Literature Review

The purpose of this study is to provide a conceptual framework and determine the factors influencing deposit mobilization in Ethiopia's commercial banks using the literature that is currently accessible. The bank's yearly incremental deposit plan, which calls for the easy mobilization of a sizable sum of money from the communities, is no longer the optimum method for undertaking deposit mobilization. The literature relating to factors influencing deposit mobilization at Ethiopia's commercial banks is presented in this overview of the literature. As a result, there are three sections to the literature review. The introduction linked to overviews of deposit mobilization in Ethiopian commercial banks and factors affecting deposit mobilization is covered in the first portion of the literature review. The second portion looks at empirical concerns regarding the factors influencing deposit mobilization. The conceptual framework for deposit mobilization is shown in the third section, followed by the literature gap of the evaluated literature. Researchers framed the conceptual framework for the research's future course using the most recent available literature.

SOCIAL ASSISTANCE FOR INTERNALLY DISPLACED PERSONS: PROBLEMS OF IMPLEMENTATION AND EFFICIENCY

Objective. The objective of the article is the study of the problem of implementation and effectiveness of social assistance provided to internally displaced persons in Ukraine. Methods. Solving the set tasks is carried out using such methods as the analysis and generalization of scientific, popular scientific literature and legal acts that provide certain material benefits to internally displaced persons in Ukraine. Results. The author substantiates and analyzes the effectiveness of social assistance provided to internally displaced persons and proposes to apply certain changes and additions to the current legislation, which regulates the procedure for calculating, determining and paying social assistance to internally displaced persons in Ukraine, namely to cancel certain norms that deprive internally displaced persons of their right to receive social assistance. First, to cancel Part 3 of Clause 7 of the Procedure for Providing Accommodation Assistance to Internally Displaced Persons, approved by the Resolution of the Cabinet of Ministers of Ukraine of March 20, 2022 No. 332 "Some Issues of Payment of Accommodation Assistance to Internally Displaced Persons", which provides grounds for refusing to provide social assistance to an internally displaced person if such person has funds in the deposit bank account(s) in the total amount exceeding UAH 100,000. Secondly, to cancel Part 4 of Clause 7 of the "Procedure for providing accommodation assistance to internally displaced persons", approved by the Resolution of the Cabinet of Ministers of Ukraine of March 20, 2022 No. 332 "Some issues of payment of accommodation assistance to internally displaced persons", which provides grounds for refusing provision of social assistance to an internally displaced person, execution by such person of a transaction for the purchase of non- cash and/or cash foreign currency (except currency received from charitable organizations or purchased for payment of medical (including rehabilitation, prosthetics) social and/or educational services), as well as bank metals for a total amount exceeding UAH 100,000. Thirdly, to cancel part 2 of paragraph 1 of the resolution of the Cabinet of Ministers of Ukraine "Some issues of support for internally displaced persons" No. 709 of July 11, 2023, which provides that the reason for refusing to provide social assistance to an internally displaced person is the departure of such a person abroad. In author’s opinion, such regulations firstly bring a negative economic effect, and secondly, they deprive internally displaced persons of material support in a very difficult time for them.

BİST BANKA ENDEKSİNDEKİ ŞİRKETLERİN MADDİ OLMAYAN DURAN VARLIKLARI İLE NET KÂR İLİŞKİSİNİN KUKLA DEĞİŞKEN KULLANILARAK İNCELENMESİ

This study aims to investigate the relationship between intangible assets and net profit of banks listed on the Borsa Istanbul (BIST) Bank Index (XBANK) through a dummy variable. The data of 10 banks included in the Bank Index from 2007 to 2022 was examined for this purpose using the panel data approach. According to the findings, assets variable and participation bank dummy variable are significant in explaining net profit, while intangible assets variable and development and investment bank dummy variable are meaningless. Intangible assets positively increase net profit, but when individual factors are included, they lose all statistical significance. On the other hand, assets variable has a positive effect on net profit and is statistically significant. Only one of the study's dummy variables for the participation bank and the development and investment bank produced findings that were statistically significant. The coefficient of the dummy variable created for participation banks, where deposit banks are taken as the base class, is negative, but statistically significant. Alternatively put, it may be claimed that deposit banks generate more profits than participation banks. As a result, it has been found that deposit banks, as a category of bank, significantly affect the model's net profit. Besides, the coefficient of the dummy variable created for development and investment banks, where deposit banks are taken as the base class, is negative and statistically meaningless. In light of this, it cannot be argued statistically that deposit banks make more profit than development and investment banks.

A HYBRID APPROACH TO FINANCIAL SOLVENCY: A COMPARISON OF CONVENTIONAL AND ISLAMIC BANKING IN TURKEY

In this study, the financial soundness indicators of both conventional banks (referred to as deposit banks) and Islamic banks (referred to as participation banks) operating in Turkey are analyzed using different methods. The research utilizes financial ratios from the years 2017 to 2022, with the chosen financial ratios aligned with the Bankometer method. Ranking methods such as ARAS, CoCoSo, COPRAS, MABAC and TOPSIS are applied, and the ranking results are combined with the Borda Count method. The findings reveal a robust and healthy level of financial soundness among the analyzed banks, notably highlighting the superior performance of private conventional banks in financial soundness rankings. Importantly, this research makes a valuable contribution by showcasing the financial stability exhibited by both the conventional and Islamic banking sectors in Turkey, even when subjected to different methods, even in the face of adverse global conditions, such as those observed during the COVID-19 pandemic.

Bütünleşik MPSI-MARA Modeliyle Çok Şubeli Bankaların Finansal Performans Analizi: Türkiye Örneği

In this research, the financial data of multi-branch deposit banks operating in Türkiye were analyzed with MPSI-MARA integrated ranking model and seven different financial ratios were selected as performance criteria. According to the analysis made according to the MPSI weighting method, it was understood that the criterion that most affected the financial performance of the banks was "Number of Branches/Net Period Profit". The second most important criterion was determined to be the "Net Period Profit/Total Assets" criteria. The most important result of the research is the finding that Akbank is the bank with the highest financial performance according to the MARA ranking method integrated with the MPSI weight method. This successful bank was followed by Garanti Bankası and Yapı ve Kredi Bankası. It has been determined that state-owned banks are not successful in 2022.

Electronic Payment Systems and Money Deposit Banks’ Deposits Mobilisations in Nigeria

This study examined the effect of electronic payment systems on money deposits banks’ deposits mobilizations in Nigeria. The study modelled deposits mobilizations of banks in Nigeria as a function of two key variables; money supply (M2) and Remita payment transaction value, with payment transaction values of NIBSS (Nigeria Inter-Bank Settlement System) instant payments (NIP) and National Electronic Fund Transfer (NEFT) as control variables. Secondary data were sourced from Central Bank of Nigeria (CBN) Statistical Bulletin. The study employed ordinary least square (OLS) regression method to analyze the data. Findings from the study revealed that Remita payment transaction value is not good predictor of deposits of banks Nigeria with p-values = 0.3732 >0.05 critical value as it had a negative linear relationship with money deposit banks’ deposits mobilizations. NEFT payment transaction value is not good predictor of deposits of banks Nigeria with p-values = 0.4434 >0.05 critical value as it had a negative linear relationship with money deposits banks’ deposits mobilizations. However both money supply and National Instant Payment (NIP) recorded positive linear relationship with deposits of banks in Nigeria. Furthermore, the findings from the causality test indicated no directional causality between money supply, NEFT, NIP and deposits of banks in Nigeria but causality runs from Remita payment transaction value to deposit of banks in Nigeria. Consequently, the study concluded that, there is no significant linear relationship between electronic payment systems and deposits mobilizations of deposits money banks in Nigeria. Thus, the study recommended that Federal Government of Nigeria as part of her current modifications in monetary and fiscal policies should mandate all states and local governments to adopt Treasury Single Account (TSA) policy and subsequently patronize Remita payment channel as done by the Federal Government of Nigeria.

ISSUES OF PROTECTING CITIZENS' RIGHTS IN THE FIELD OF FINANCIAL SERVICES

Today, in the Russian Federation, situations of violating the rights and interests of consumers of financial services are quite often allowed, which negatively affects the economic situation of citizens and undermines confidence in the banking system of the state. The purpose of the study is to analyze the judicial practice and to develop recommendations for consumers of savings services and services on providing borrowed (credit) funds, compliance with which will significantly reduce the risks arising from concluding and executing bank deposit and loan agreements. Materials and methods. The materials of the reports made for the International Confederation of Consumer Societies on the state of protecting the rights and interests of consumers of the savings services market in Russia were used. General and specific methods were used as research methods, including system-legal, logical, structural-functional ones and others. Study results. Based on the analysis of modern legislation, law enforcement and judicial practice of the Russian Federation, the authors have identified the most typical violations of consumer rights in the market of savings services and services for providing borrowed (credit) funds. Of particular interest are cases related to toughening the requirements for personal identification and security of banking operations in the context of digitalization of the economy, which cannot but affect traditional procedures for processing and withdrawing funds under a bank deposit agreement. The article analyses the most common situations of violating the rights and legitimate interests of consumers of savings services and services for providing borrowed (credit) funds in Russia during execution of bank deposit agreements and loan agreements. The issues that require regulation in order to avoid violation of the rights and interests of the parties to the above-mentioned agreements have been studied. Recommendations are also proposed to reduce risks when implementing protection of savings services consumers, which was the ultimate goal of the study. Conclusions. Realization of the citizens' constitutional right to judicial protection of banking services, on the one hand, reveals acute and obvious problems in this area, on the other hand, contributes to optimization of banking and civil legislation. In the context of financial services digitalization, the interests of citizens are not sufficiently protected. However, solution to the problem should be comprehensive, since cases of cybercrime are often associated with mobile communications; therefore, they depend on the effectiveness of control and supervision in this area. It is important to provide the consumer with preliminary structured information that enables him to realistically assess the risks and, on this basis, make a well-founded decision about opening or managing an account.

A Systematic Literature Review and Research Agenda of Financial Literacy, Investment Behavior and Risk Tolerance of Indian Women Investors

Purpose: This article systematically reviews the literature published in the last 20 years on Financial Literacy, Investment Behavior, and Risk Tolerance of Indian Women Investors and other related topics. The paper emphasizes recognizing and addressing gaps in existing research by posing specific queries for future studies. Methodology: A systematic literature review (SLR) has been conducted on a considerable amount of peer-reviewed research articles that were published over a span of two decades. This research article's significance is determined by analyzing the journal publication, year, statistical techniques used, citation analysis, and text analysis on the literature related to relevant areas. The survey on literature focuses on significant aspects such as financial literacy, investment behavior, risk tolerance levels, and preferred investment avenues for Indian women investors. Finally, both the research gap and research agenda are scrutinized for further studies. Findings/Result: Most studies have shown that Indian female investors are risk-averse and not willing to take significant risks. Indian women investors tend to prioritize safety over high returns when investing their funds. Their preferred investment options are ornamental gold and bank deposits because these investors have a poor level of awareness regarding the stock market and mutual fund investments. Originality/Value: This is one of the few significant studies on this topic as per the best knowledge of the author. This article is valuable in understanding the present status and the existing gap in the literature for academicians, researchers, and professionals in capital markets. Paper Type: Literature Review

Road Ahead: Post Collapse of Punjab and Maharashtra Cooperative Bank

This case is about challenges faced by the depositors and the entire banking system following the collapse of the Punjab and Maharashtra Cooperative Bank. The Deposit Insurance and Credit Guarantee Corporation insured the bank deposits, and the earlier deposit insurance coverage was $74 million, which was increased to $370 million in the Union Budget of 2020. This increase was attributed to the collapse of the Punjab and Maharashtra Cooperative Bank, where 0.3 million people lost their money.

WHAT DRIVES MOVEMENTS IN THE INCOME VELOCITY OF MONEY? A CASE STUDY OF THE U.S.

In their efforts to stabilize the price level, central banks often rely on the growth rate in the stock of money as an intermediate target variable. Usually, the premise underlying this approach is that the income velocity of money, defined as the ratio of nominal GDP to the stock of money, either randomly fluctuates around a constant mean or can, at least, be predicted with sufficient accuracy. The purpose of this paper is to put this assumption to the test. We do so by applying a first-order autoregressive model, supplemented by a set of lagged exogenous regressors, to the quarterly changes in velocity in the U.S. Our results confirm previous findings that dynamic dependencies exist between changes in the income velocity of money over successive periods of time. They also support the assertion that rising long-term interest rates lower the demand for money. Perhaps most importantly, however, we find that all else being equal, the degree of financialization in the economy, measured by the ratio of financial assets to GDP, has a positive and statistically significant effect on velocity. A possible explanation of this finding is the increasing availability of tradable, non-monetary financial instruments that are close substitutes for bank deposits.