Egyptian Commercial Banks Research Articles

The Impact of Country Credit Risk Management on the Egyptian Commercial Banks’ Performance - The Moderating Role of Country Liquidity Risk Management

The Impact of Country Credit Risk Management on the Egyptian Commercial Banks’ Performance - The Moderating Role of Country Liquidity Risk Management

The Impact of UTAUT, trust perspective and bank's reputation on actual use of mobile banking with mediating role of behavioral intention: An empirical study on commercial banks in Egypt.

This research investigates the impact of UTAUT theory, trust perspective and bank's reputation on actual usage of mobile banking mediated by behavioral intention in banking industry in Egypt. The objectives of this research are: Identify the factors driving customers to adopt mobile banking among commercial banks in Egypt; evaluate the role of bank's reputation in enhancing customers' to adopt mobile banking; assess role of cultural dimensions as moderators in enhancing consumers to adopt mobile banking in Egypt ; to develop conceptual framework that explain factors affecting consumers' behavioral intention toward mobile banking and eventually its actual usage using structural equation modeling. The research uses a quantitative approach; an administrated questionnaire is used to gather the required data to test the developed hypotheses, analyzing the data through structural equation model (SEM) using AMOS software version 25. Results of this study show: there is a significant direct effect between UTAUT theory, trust attribute, bank's reputation and actual usage of mobile banking; there is a significant direct effect between UTAUT theory, trust attribute, bank's reputation and behavioral intention toward adopting mobile banking; there is a significant direct effect between behavioral intention toward adopting mobile banking and actual usage of mobile banking. Finally, the study found that Hofestede's cultural dimensions moderates the relationship between behavioral intention and actual usage of mobile banking.

The Relationship between Human Resource Flexibility and Organizational Ambidexterity (An Applied Study on the Commercial Banks in Egypt)

The Relationship between Human Resource Flexibility and Organizational Ambidexterity (An Applied Study on the Commercial Banks in Egypt)

Determinants of Shareholders’ Value Creation in the Listed Egyptian Commercial Banks (2012-2021)

Determinants of Shareholders’ Value Creation in the Listed Egyptian Commercial Banks (2012-2021)

The relationship between internal marketing and Organizational civic virtue An applied study on Egyptian commercial banks

The relationship between internal marketing and Organizational civic virtue An applied study on Egyptian commercial banks

The Moderating Effect of Brand Trust during COVID -19 Pandemic in the relationship between CSR practices and Brand Loyalty of Egyptian Commercial Banks

The Moderating Effect of Brand Trust during COVID -19 Pandemic in the relationship between CSR practices and Brand Loyalty of Egyptian Commercial Banks

The Impact of Accounting Disclosure on Moral Risks in Light of Digitization on Financial Reporting Quality in Egyptian Commercial Banks

The Impact of Accounting Disclosure on Moral Risks in Light of Digitization on Financial Reporting Quality in Egyptian Commercial Banks

Impact of Emotional Intelligence on Word of mouth Mediating Customer retention In Egyptian Commercial Banks

Impact of Emotional Intelligence on Word of mouth Mediating Customer retention In Egyptian Commercial Banks

دور المناخ الأخلاقی فی تحقیق استدامة الموارد البشریة دراسة تطبیقیة على البنوک التجاریة المصریة

يهدف البحث الى التعرف على دور المناخ الأخلاقي في تحقيق استدامة الموارد البشرية بالبنوک التجارية المصرية، وتم استخدام قائمة الاستقصاء کأداة رئيسية لجمع البيانات، وتم استخدام قائمة موجهه للعاملين وبلغ حجم مجتمع البحث 73007 مفردة، وبلغت عينة البحث 383 مفردة ورغبة منا في زيادة نسبة تمثيل العينة لمجتمع البحث فقد قام بزيادتها لتصبح 405 مفردة، ولقد تم استخدام برنامج التحليل الإحصائي (SPSS) لإدخال ومعالجة وتحليل البيانات واختبار الفرضيات. وتوصل هذا البحث إلى مجموعة نتائج أهمها: وجود تأثير إيجابي ذو دلالة إحصائية لبعد المناخ الأخلاقي على استدامة الموارد البشرية، ووجود اختلافات ذات دلالة إحصائية بين أراء المستقصي منهم حول ابعاد استدامة الموارد البشرية حسب نوع ملکية البنک. وقدم البحث مجموعة من التوصيات أهمها: العمل على تحسين المناخ الأخلاقي بالقطاع المصرفي المصري لما لذلک من ارتباط معنوي إيجابي في تحقيق استدامة الموارد البشرية، الاهتمام ببناء مدونات اخلاقية بحيث تکون بمثابة المرشد والموجه لقرارات المديرين وسلوک العاملين في البنک نحو الاعتبارات الأخلاقية، ربط الأجور والمکافأت بمدى التزام العاملين بالسلوکيات الأخلاقية، وتطبيقهم لمعايير الاستدامة، رفع کفاءة وتطوير سياسات إدارة الموارد البشرية بالشکل الذي يمکنها من القيام باختيار افضل العناصر من اجل تحقيق استدامة الموارد البشرية، الاهتمام بنشر تقارير متعلقة بمدى احراز تقدم في تطبيق معايير الاستدامة، ربط الترقيات بمدى احراز العاملين لنتائج في قضيتي المناخ الأخلاقي والاستدامة. Summary The research aims to identify the role of the ethical climate in achieving the sustainability of human resources in the Egyptian commercial banks, and the survey list was used as a main tool for data collection, and a list directed to workers was used and the size of the research community reached 73007 individuals, and the research sample reached 383 individuals and our desire to increase the percentage of sample representation For the research community, it increased to 405 items, and the statistical analysis program (SPSS) was used to enter, process and analyze data and test hypotheses. This research reached a set of results, the most important of which are: The effect of a statistically significant impact of the ethical climate change dimension on the sustainability of human resources, statistics of statistical significance among the respondents' opinions on the dimensions of human resource sustainability according to the type of bank ownership. The research presented a group, the most important of which are: Working to improve the ethical climate, and therefore, investing in the public institution is to create good projects, create a good environment, raise the efficiency of employing human resource management policies in a way that works in making a good opinion in employment for the job opinion of the public opinion, attention to the topic Reports related to progress in implementing sustainability standards, upgrades to ethical climate and sustainability.

Entrepreneurial Orientation and Competitive Advantage in the Egyptian Banking Sector

AbstractWith the increasing competition in today’s dynamic environment, entrepreneurship can be of great importance to achieve better performance and better profits eventually . This research aimed at studying the impact of entrepreneurial orientation on achieving competitive advantage in the Egyptian commercial banks . The researcher applied a complete census method that included top management representatives from the commercial banks in Egypt . A questionnaire was developed and modified from previous literature to measure the dimensions of the variables. SPSS version 23 is used in the analysis of the collected data and presented through descriptive statistics , frequencies , means , validity and reliability measures and correlation analysis for hypothesis testing . This study has contributed to existing literature by providing evidence regarding entrepreneurial orientation in public and private commercial banks in Egypt . Recommendations for the top management of these banks have been provided and also recommendations for future research .

Efficient MCDM Model for Evaluating the Performance of Commercial Banks: A Case Study

Evaluation of commercial banks (CBs) performance has been a significant issue in the financial world and deemed as a multi-criteria decision making (MCDM) model. Numerous research assesses CB performance according to different metrics and standers. As a result of uncertainty in decision-making problems and large economic variations in Egypt, this research proposes a plithogenic based model to evaluate Egyptian commercial banks’ performance based on a set of criteria. The proposed model evaluates the top ten Egyptian commercial banks based on three main metrics including financial, customer satisfaction, and qualitative evaluation, and 19 sub-criteria. The proportional importance of the selected criteria is evaluated by the Analytic Hierarchy Process (AHP). Furthermore, the Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS), Vlse Kriterijumska Optimizacija Kompro-misno Resenje (VIKOR), and COmplex PRoportional ASsessment (COPRAS) are adopted to rank the top ten Egyptian banks based on their performance, comparatively. The main role of this research is to apply the proposed integrated MCDM framework under the plithogenic environment to measure the performance of the CBs under uncertainty. All results show that CIB has the best performance while Faisal Islamic Bank and Bank Audi have the least performance among the top 10 CBs in Egypt.

Enhancing internal auditors' risk assessment through governance and cognition: an Egyptian perspective

The current study investigates the impact of internal auditors' behavioural skills (cognitive style) and technical skills [involvement in information technology governance (ITG)] in assessing risk, namely fraud risk and control risk. A 2 × 2 factorial experimental design was conducted on a sample of 104 internal auditors from Egyptian commercial banks. The results reveal that internal auditors with an analytic cognitive style assessed a significantly higher fraud risk compared to internal auditors with an intuitive cognitive style. On the other hand, internal auditors with an analytic cognitive style assessed an insignificantly higher control risk compared to internal auditors with an intuitive cognitive style. Additionally, internal auditors who were involved in ITG assessed significantly higher fraud and control risks than non-ITG-involved internal auditors. Finally, analytic internal auditors who were involved in ITG assessed significantly higher fraud and control risks compared to intuitive internal auditors who were not involved in ITG. The overall results support the notion that internal auditors need to possess certain behavioural skills and technical skills to be able to engage in more strategic roles and, in turn, add value to their organisations.

Enhancing internal auditors' risk assessment through governance and cognition: an Egyptian perspective

The current study investigates the impact of internal auditors' behavioural skills (cognitive style) and technical skills [involvement in information technology governance (ITG)] in assessing risk, namely fraud risk and control risk. A 2 × 2 factorial experimental design was conducted on a sample of 104 internal auditors from Egyptian commercial banks. The results reveal that internal auditors with an analytic cognitive style assessed a significantly higher fraud risk compared to internal auditors with an intuitive cognitive style. On the other hand, internal auditors with an analytic cognitive style assessed an insignificantly higher control risk compared to internal auditors with an intuitive cognitive style. Additionally, internal auditors who were involved in ITG assessed significantly higher fraud and control risks than non-ITG-involved internal auditors. Finally, analytic internal auditors who were involved in ITG assessed significantly higher fraud and control risks compared to intuitive internal auditors who were not involved in ITG. The overall results support the notion that internal auditors need to possess certain behavioural skills and technical skills to be able to engage in more strategic roles and, in turn, add value to their organisations.

أثر نظم تخطیط موارد المنشأة فى رفع کفاءة أداء البنوک التجاریة المصریة (دراسة تطبیقیة)

جاء البحث کمحاولة من الباحثان لدراسة أثر نظم تخطيط موارد المنشأة في رفع کفاءة أداء البنوک التجارية المصرية، حيث أن القطاع المصرفي من القطاعات الرائدة في استخدام التکنولوجيا الحديثة لما له من دور حيوي في الاقتصاد القومي ، حيث سعت الدراسة الى التعرف على مستوى العلاقة بين استخدام نظم تخطيط موارد المنشأة وکفاءة أداء البنوک التجارية المصرية، وقد توصلت الدراسة الى مجموعة من النتائج من أهمها هناک علاقة إيجابية بين استخدام نظم تخطيط موارد المنشاة وبين کفاءة الأداء في البنوک التجارية المصرية ،وهناک علاقة ارتباط قوية بين نظم تخطيط موارد المنشاة والأداء المتوازن المتمثل في رضا العملاء وکفاءة العمليات الداخلية وعمليات التعليم والنمو والأداء المالى للبنوک التجارية المصرية، ووضع الباحثان مجموعة من والتوصيات من اهمها ضرورة ضروريسة تطبيق نظام تخطيط موارد المنشأة في البنوک المصرية ضمن جميع اقسام العمل وبشکل أکثر کفاءة وفعالية، سعي الإدارة العليا إلي تطبيق البرامج الاستراتيجية التي تساعد علي رفع کفاءة العمل المصرفي . Abstract: It came search attempt by researchers to study the impact of enterprise resource planning systems in raising efficiency of Egyptian commercial banks' performance, as the banking sector is a leading sector in the use of modern technology because of its vital role in the national economy. The study sought to identify the relationship between the level of using planning systems resources established and the efficiency of Egyptian commercial banks' performance. The study found that there is a positive relationship between the use of enterprise resource planning systems and facility resources between the efficiency of performance in the Egyptian commercial banks, and there is a strong correlation between the planning systems of the entity's resources and balanced performance of customer satisfaction and efficiency of operations inside of the processes of education, growth and performance of financial Egyptian commercial banks. The researchers put a set of recommendations for the need to implement the planning system established resources in Egyptian banks in all departments to work more efficiently and effectively, the pursuit of senior management to strategic programs application that helps to raise the banking business efficiency.

Exploring electronic -loyalty antecedents in Egyptian commercial banks; Electronic customer relationship management and banking electronic satisfaction

Exploring electronic -loyalty antecedents in Egyptian commercial banks; Electronic customer relationship management and banking electronic satisfaction

Does Financial Inclusion Improve the Financial Performance of Commercial Banks in Egypt?: Pooled OLS Approach

Financial inclusion is gaining acceptance in Egypt as a prominent policy toward the economic reform during the last few years. However, there is relative dearth of em1 pirical studies examining the impact of financial inclusion on the performance of banks in Egypt. This paper fills this gap. Using Pooled Ordinary Least Square (OLS) of six commercial banks listed in the Egyptian stock market over the period from 2013 to 2018, this study empirically investigate the impact of financial inclusion on the performance of Egyptian banks measured in terms of Return on Assets (ROA) and Return on Equity (ROE). Financial inclusion is measured subject to two main dimensions- the access to financial services and utilization of bank account and its related financial services. Due to the difficulty of getting data, the usage dimension is taken for the side of individuals only and ignores SMEs such as credit card; loan; deposit for SMEs. Results showed that financial inclusion positively contribute to banks’ ROA and ROE.

The Mediating Role of Repositioning on The relationship Between Electronic Integrating Communication Marketing (E-IMC) and Loyalty

This article aims to determine and analyze the impact of E-IMC on improving the positioning towards commercial banks in Egypt, and loyalty as well. To accomplish these objectives, a descrptive method is used. 360 customers of commercial banks in Egypt are randomly selected, which were selected for having used the internet service of these banks. The total response rate was 86.4%. The results showed that this a statistically significant relationship between E-IMC and the mental image of the customers towards the organizations to improve their image and increase the achievement of loyalty to the brand in the commercial banks. Examining the results, a reliable model has been found in managing the mental image of the organizations with their customers.

Using Big Data Analytics to Develop Marketing Intelligence Systems for Commercial Banks in Egypt

Nowadays, Big Data (BD) Analytics is receiving great attention in banking industry, considering the worthy data that have been stored for several decades, to reach the main targets of marketing by increasing the bank’s efficiency of studying their clients, knowing their feedback, in addition to promoting active and passive security systems. This study focuses on utilizing BD analytics to develop marketing intelligence systems. It aims to explore the big data as a valuable resource for Egyptian commercial banks, to improve the customer experience, customer segmentation and profiling, selling products based on profiling, and describing customer behavior. In order to develop the proposed system, data were collected from several banks of transaction performed in 2016, including a report on customer satisfaction, a procedure of analyzing customer satisfaction data, consisting of about 39,000 records of transactions for customers and a collection of about 4,000 records of transaction data for cardholders. These data were analyzed using Apache Hadoop to perform many tasks such as profiling the bank's clients to groups, customer segmentation based on client’s history, interest and habits, predicting customer behavior based on profiling, designing a new marketing strategy, and presenting the right offers to the bank's clients as individuals or as groups. It was concluded that BD analytics were very beneficial for achieving Marketing Intelligence in Banks.

A Mediating Role of Customer Value Between Customer Engagement and Loyalty: An Applied Study in Commercial Banks in Egypt

Purpose: The focus of this paper is providing a suggested approach to the nature of the relationship between the customer engagement and customer loyalty through the mediation role of the customer value.Methodology/approach: Through its selection of commercial banks in Egypt and the use of statistical analysis method SPSS.11. The data was analyzed using the AMOS pathway analysis to identify the nature of the relationships between variables.Findings: An artistic approach to understanding develop a model of the the relationship between customer value and customer loyalty within a mediating role of customer engagement in some commercial banks in Egypt. The research found that CE and CL improve the ability to building more effective customer service.

The Impact of Bank-Specific Characteristics on the Profitability of Commercial Banks in Egypt

The Impact of Bank-Specific Characteristics on the Profitability of Commercial Banks in Egypt