Chartered Banks Research Articles

A Comparative Study of Non-Performing Assets of Foreign and Local Banks in Ghana: The Case of GCB Bank Ltd and Standard Chartered Bank in Ghana.

The Ghanaian banking system plays an important role in the development of a country’s economy and its financial stability by acting as an intermediary between depositors who have excess funds and borrowers who are in need of funds. In recent times banks have become cautious in extending advances as a result of the rise in non-performing assets. A non-performing asset (NPA) is a debt obligation where the borrower has not paid any previously agreed upon interest and principal repayments to the designated lender for a period beyond 90 days thus not yielding any income to the lender in the form of principal and interest payments. The study employed quantitative research design with secondary data for the period 2008-2017. An attempt was made to study the trend of total advances, net profit, Gross Non-Performing Asset and Net Non-Performing Asset of GCB Bank Limited and Standard Chartered Bank Ghana Limited. The results showed a general increasing trend of Total advances, Gross Non-Performing Asset and Net Non-Performing Asset for both banks over the past 10 years. In addition, there was a positive relationship between the Net profit and Non-Performing Asset of GCB Bank Limited whilst a negative relationship existed between the Net profit and Non-Performing Asset of Standard Chartered Bank Ghana Limited.

An Impact of Profitability Indicators of Standard Chartered Bank Nepal Limited (SCBL)

This study has complemented in the field of study of the dissertation research results of the study indicated the “Impact of Earning Per Share, Return on Assets, Return on Equity, Net Profit Margin and Price Earnings Ratio on Market Value Per Share of Standard Chartered Bank Nepal Limited (SCBL)” and Standard Chartered Bank Nepal Limited (SCBL) in overall financial profitability position and its statement and financial events in the real service life of service provide bank. This dissertation research report work is different from other research work as this work is on effectiveness utilization and management of profit in the expansion of bank challenges on a particular sector. The main objective of this study is to analyze the trend, structure of Earning Per Share, Return on Assets, Return on Equity, Net Profit Margin and Price Earnings Ratio on Market Value Per Share significance relation through hypothesis and the study made over the period 2017/18 to 2021/22 taken as a sample year. The statistical methods of trend analysis and descriptive statistics like mean, standard deviation, coefficient of variation and hypothesis test were used to analyze the study outcomes.

Corporate Criminal Liability

The idea that criminal activity is exclusive to humans is false. In addition to being a distinct legal entity, a company can be an artificial person in criminal activity. At first, in the 16th and 17th centuries, it was thought that a company was incapable of committing any crimes. The idea that a company is a distinct legal entity has been met with some difficulties; yet a company lacks a soul and body of its own. They are therefore incapable of committing any offenses or crimes for which they could be held accountable. However, the idea of corporate criminal liability has evolved progressively because of several rulings, such as Standard Charter Bank V. Directorate of Enforcement. Any act's criminal culpability stems from the Latin maxim Actus non facit reum mens sit rea, which states that in order to hold someone or anything accountable, it must be proven that they committed an act or omission that is prohibited by law and that they have mens rea, which is defined as having a guilty mentality for legal purposes. It is included in the list of white-collar crimes. The article discusses the significant transformation of corporate criminal liability from its undeveloped state to a well-established legal doctrine. This article further explores the ideas and theories that underpin the idea that companies are criminally responsible for crimes, looking at ideas like the identification doctrine, corporate mens rea, and vicarious liability. The importance of imposing criminal sanctions for the corporate crime committed by the company in the form of fine and imprisonment is further discussed.

Performance and Efficiency Analysis of Selected Private Sector banks in India

This paper discusses the performance and efficiency analysis of selected private sector banks in the light of tough competition and technology up gradation. Right from the establishment of Royal Chartered bank, Indian banking sector has seen a magnanimous growth especially after independence. The nationalization of banks in 1969 and 1980 had added fuel to the growth. The New Economic policy, 1991 has totally changed the facets of the banking sector. The doors are open to the private and foreign banks to India and the services are scattered and spread to various areas like wealth management, insurance, mutual funds, forex trading, financial services etc apart from the primary objective of accepting deposits and lending loans. This research paper focuses on evaluation of the performance and efficiency analysis of selected private sector banks with respect to some of the key indicators such as Total deposits, Total advances, Total Assets, Net Profit & Non-Performing Assets of last 10 years. The absolute figures and the average annual growth rates (AAGR) were calculated for each indicator over a period of 10 years and accordingly the rankings were assigned based on performance and efficiency analysis. Key area findings of the research were found and so incorporated in the study. The research found that has been performing well among the given three banks when compared with other two banks.

Corporate Social Responsibility Practices: A Study on Foreign Commercial Banks in Bangladesh

Corporate Social Responsibility (CSR) is an important portion of an enterprise, bank or other industry. Corporate social responsibility increases the growth and success of a firm. Corporate Social Responsibility means responsibility for the people of the society about the country. The development of a society or a country happens only when the financial institutions like the bank of the country properly maintain their corporate social responsibility. Furthermore, there is a positive relationship between corporate social responsibility and customer perceptions towards the corporations. In our paper, we discussed the theoretical framework of the CSR. The theoretical framework includes bright sides of the CSR and limitations of the CSR. We also analyze 5 commercial banks Bank Al- Falah, Habib Bank Ltd., HSBC, Commercial Bank of Ceylon, and Standard Chartered Banks CSR contribution in corporate social responsibility. We compare their contribution in 2018 and 2019 year. We see that some areas of contribution decrease in 2019 as compared to 2018. There is no contribution to infrastructure development. At last, we recommend foreign commercial banks to increase CSR contribution in some specific areas. Keywords: Corporate Social Responsibility, Foreign Commercial Banks, Social Contribution, Welfare. DOI: 10.7176/EJBM/12-21-16 Publication date: July 31 st 2020

Risk and return analysis of listed financial companies in Ghana (a study of Cal Bank, Ecobank GH Ltd, Ghana Commercial Bank ( GCB) and Standard Chartered Bank (SCB))

ABSTRACTGlobally, Investors as well as business men and women are very optimistic about the future and therefore defer current use of resources for use at a later period with a higher expected rate of return. This is not so different in the case of Ghana. The main objective of the study is to analyse the risk and return of listed financial companies in Ghana. A sample of four financial companies listed on the Ghana Stock Exchange (Cal Bank Limited, Ecobank Ghana Limited, GCB Bank Limited and Standard Chartered Bank Ghana Limited) were selected and financial ratio (return on equity, return on asset, current ratio, quick ratio and financial leverage) computed using excel and analyzed using STATA. The study fitted a Pooled Ordinary Least Square (OLS) and Least Square Dummy Variable (LSDV) regression model with fixed effect model since fixed effect was tested to be statistically significant in the model. Empirical analysis of the data revealed that Banks with high risk levels proved to have a higher profitability as compared to the other banks under study. Standard Chartered Bank Ghana Limited and Ecobank Ghana Limited showed the highest levels of profitability, with Standard Chartered Bank Ghana Limited topping the charts in most years. However, on average, Cal Bank Ghana recorded the lowest rates of profitability.Also, a positive relationship existed between profitability (return on equity) and current ratio and financial leverage whilst an inverse relationship between return on equity and quick ratio. Overall model for both the Pooled OLS and the LSDV regression model tested to be statistically significant and a greater percentage (99.99%) of the total variability in return on equity was explained by the independent variables (return on asset, current ratio, quick ratio and financial leverage).Key words: Risk, Return, Pooled OLS regression model, LSDV regression model.

Charter Value and Bank Stability Before and after the Global Financial Crisis of 2007-2008

We investigate how bank charter value affects risk for a sample of OECD banks by using standalone and systemic risk measures before (2000-2006), during (2007-2009) and after (2010-2013) the global financial crisis. Prior to the crisis bank charter value is positively associated with risk-taking and systemic risk for very large “too-big-too-fail” banks and large U.S. and European banks but such a relationship is inverted during and after the crisis. A deeper investigation shows that such a behavior before the crisis is mostly relevant for very large banks and large banks with high growth strategies. Banks' Business models also influence this relationship. In presence of strong diversification strategies, higher charter value increases standalone risk for very large banks. Conversely, for banks following a focus strategy, higher charter value amplifies systemic risk for very large banks and both standalone and systemic risk for large U.S. and European banks.

The Role of Rewards and Recognition in Increasing Customer Oriented Citizenship Behaviors

Using survey responses from 3,508 service employees of a large Canadian charter bank, we tested the impact of employee perceptions of rewards and recognition on customer oriented citizenship behaviors. Using a set of questions we developed during semi-structured interviews, we found that rewards and recognition programs influence attitudes and behavior through three main mechanisms: (1) Employees perception of manager recognition; (2) peer recognition; and (3) employees’ understanding of the rewards system. As employees’ positive impressions of these behaviors increased, more customer oriented citizenship behavior was reported. Rather than a direct effect as would be predicted by traditional reinforcement theory, the effect of recognition from direct managers indirectly affected the incidence of citizenship behaviors through its effects on perceived organizational support and leader-member exchange. These results confirm the importance of recognition in service organizations.

The US government dual banking regulation levels, transaction costs and HSBC's strategy in acquiring Marine Midland Banks, Inc., 1978–80

This paper undertakes a case study of HSBC acquiring Marine Midland Banks, Inc. (MMBI) in the US between 1978 and 1980, a historic incident that had a catalytic impact on the whole debate about foreign banking in the US and re-examination of the restrictions on the US banks' inter-state operations. This paper explores the impact of the US government's financial regulatory structure on HSBC's acquisition and how HSBC dealt with difficulties caused by the US government regulations. We find that the structure of the US government financial regulation caused political hazards which further influenced HSBC's contractual hazards and business transaction costs. We have established that the different attitudes of the federal and state regulatory authorities toward HSBC's acquisition were closely related to their interests, regulatory capability and resources. Our analysis also confirms that HSBC's commitment strategy did help it to earn the federal regulatory authorities' support and MMBI's cooperation, which facilitated the conversion of Marine Midland Bank (MMB), a principal subsidiary of MMBI, to the status of a national chartered bank and allowed HSBC to circumvent the NYBD's regulation.

Attitudes Of Subordinates Toward Women In Leadership Position

The \"study investigated how women in leadership position are perceived accepted and evaluated by their subordinates. In an attempt to elicit subjects\' response, the subordinates attitude questionnaire scale was constructed and was administered to 222 workers consisting of 111 males and 111 females drawn from University of Ibadan, Oyo State Secretariat, Nigerian Bottling Company, National Bank of Nigeria, First Banks Nigeria, Chartered Bank, and Cooperative Bank. The t-test of independent sample was used to analyse the research data. The findings revealed that: (a) Male subordinates have negative attitude toward women leader; (b) Subordinates with higher educational qualification have positive attitude towards women leaders; (c) Young subordinates have negative attitudes toward women in leadership position; (d) Christian subordinates have positive attitude toward women in leadership positions than their Moslem counterparts.Gender & Behaviour Vol. 6 (2) 2008: pp. 1785-1792

First Charter Corp.

AbstractCommercial Banking (MIC: SIC: 6021 NAIC: 522110)First Charter is a bank holding company. Co.'s principal asset is the stock of its banking subsidiary, First Charter Bank, which provides a range of banking products, as well as commercial, consumer, real estate, residential mortgage, and home equity loans. As at Dec 31 2007, Co. operated 60 financial centers, four insurance offices, and 137 automated teller machines throughout North Carolina and Georgia and also operated loan origination offices in Asheville, NC and Reston, VA. Co.'s primary market area is located within North Carolina and is centered primarily around the Charlotte Metro region. As of Dec 31 2007, Co. had total assets of $4.86 billion and total deposits of $3.22 billion.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)First Charter is a bank holding company. Co.'s principal asset is the stock of its banking subsidiary, First Charter Bank, which provides a range of banking products, as well as commercial, consumer, real estate, residential mortgage, and home equity loans. As at Dec 31 2007, Co. operated 60 financial centers, four insurance offices, and 137 automated teller machines throughout North Carolina and Georgia and also operated loan origination offices in Asheville, NC and Reston, VA. Co.'s primary market area is located within North Carolina and is centered primarily around the Charlotte Metro region. As of Dec 31 2007, Co. had total assets of $4.86 billion and total deposits of $3.22 billion.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)First Charter is a bank holding company. Co.'s principal asset is the stock of its banking subsidiary, First Charter Bank (the Bank). As of Dec 31 2006, the Bank and Co.'s Gwinnett Bank subsidiary, both full service banks, collectively operated 59 financial centers and four insurance offices, as well as 139 ATMs in North Carolina and Georgia and operated loan origination offices in Asheville, NC and Reston, VA. Co.'s primary market area is located within North Carolina and is centered primarily around the Charlotte Metro region, including Mecklenburg County and its surrounding counties. As of Dec 31 2006, Co. had total assets of $4.86 billion and total deposits of $3.25 billion.

Charter Value, Bank Risk and Deposit Insurance Increase in the US

Charter Value, Bank Risk and Deposit Insurance Increase in the US

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)First Charter is a bank holding company. Co.'s principal asset is the stock of its banking subsidiary, First Charter Bank (the Bank). As of Dec 31 2006, the Bank and Co.'s Gwinnett Bank subsidiary, both full service banks, collectively operated 59 financial centers and four insurance offices, as well as 139 ATMs in North Carolina and Georgia and operated loan origination offices in Asheville, NC and Reston, VA. Co.'s primary market area is located within North Carolina and is centered primarily around the Charlotte Metro region, including Mecklenburg County and its surrounding counties. As of Dec 31 2006, Co. had total assets of $4.86 billion and total deposits of $3.25 billion.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)First Charter is a bank holding company. Co.'s principal asset is the stock of its banking subsidiary, First Charter Bank (the Bank). As of Dec 31 2006, the Bank and Co.'s Gwinnett Bank subsidiary, both full service banks, collectively operated 59 financial centers and four insurance offices, as well as 139 ATMs in North Carolina and Georgia and operated loan origination offices in Asheville, NC and Reston, VA. Co.'s primary market area is located within North Carolina and is centered primarily around the Charlotte Metro region, including Mecklenburg County and its surrounding counties. As of Dec 31 2006, Co. had total assets of $4.86 billion and total deposits of $3.25 billion.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)First Charter is a bank holding company. Co.'s principal asset is the stock of its banking subsidiary, First Charter Bank (the Bank). On Dec 31 2006, the Bank and Co.'s Gwinnett Bank subsidiary, both full service banks, collectively operated 59 financial centers and four insurance offices, as well as 139 ATMs in North Carolina and Georgia and operated loan origination offices in Asheville, NC and Reston, VA. Co.'s primary market area is located within North Carolina and is centered primarily around the Charlotte Metro region, including Mecklenburg County and its surrounding counties. As of Dec 31 2006, Co. had total assets of $4.86 billion and total deposits of $3.25 billion.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)First Charter is a regional financial services company with assets of S4.23 billion as of Dec 31 2005. Co. is the holding company for First Charter Bank, which operates 55 financial centers and four insurance offices, as well as 137 ATMs (automated teller machines) throughout North Carolina. The Bank also operates loan origination offices in Asheville, NC and Reston, VA. Co. provides businesses and individuals with a broad range of financial services, including banking, financial planning, funds management, investments, insurance, mortgages and employee benefit programs.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)First Charter is a regional financial services company with assets of $4.43 billion as of Dec 31 2004. Co. is the holding company for First Charter Bank, which operates 53 financial centers, one mortgage origination office, and seven insurance offices and 110 ATMs located in 18 counties throughout the piedmont and western half of North Carolina. Co. also operates one mortgage origination office in Virginia. Co. provides businesses and individuals with a broad range of financial services, including banking, financial planning, funds management, investments, insurance, mortgages and employee benefit programs.

First Charter Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)First Charter is a regional financial services company with assets of $4.43 billion as of Dec 31 2004. Co. is the holding company for First Charter Bank, which operates 53 financial centers, one mortgage origination office, and seven insurance offices and 110 ATMs located in 18 counties throughout the piedmont and western half of North Carolina. Co. also operates one mortgage origination office in Virginia. Co. provides businesses and individuals with a broad range of financial services, including banking, financial planning, funds management, investments, insurance, mortgages and employee benefit programs.