Top Management Of Banks Research Articles

PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI KEGUNAAN, DAN PERSEPSI KESENANGAN TERHADAP LOYALITAS NASABAH MOBILE BANKING

This research aims to prove the influence of perceived ease of use, perceived usefulness, and perceived enjoyment on satisfaction, then prove the influence of satisfaction on loyalty which is mediated by users' love for mobile banking. The type of research carried out was hypothesis testing which was analyzed using the Structural Equation Modeling (SEM) tool with the AMOS program. The research sample taken using a purposive sampling technique with individual analysis units. Primary data collected by distributing questionnaires to 262 respondents. The research results show that there is a positive influence of perceived ease of use, perceived usefulness, and perceived enjoyment on brand satisfaction, there is a mediating role of brand love in the influence of brand satisfaction on brand loyalty. This research is limited to customers who use mobile banking from banks in KBMI IV. Future researchers can examine customers who use mobile banking from banks in general. This research contributes to providing input to the top management of banks in Indonesia regarding what factors can help increase and manage customer loyalty, especially when using mobile banking.

Enterprise risk management and sustainability of banks performance

PurposeThis study investigates firm attributes (namely level of capitalisation, scope of operation, organisational structure, organisational lifecycle, systemic importance and size) affecting the robustness of enterprise risk management (ERM) practice, the extent to which ERM affects the performance of banks and the impact of ERM on the long-term sustainability of banks in Nigeria. This was against the backdrop that the 2012 banking reform was a major regulatory intervention that mainstreamed ERM in the Nigerian banking sector.Design/methodology/approachThe study employed a mixed methodology of content, trend and quantitative analyses. Ex post facto research design was deployed to analyse performance differential of banks, with respect to the implementation of ERM, over a 10-year period (2008–2017). A disclosure checklist developed from the COSO ERM integrated framework was used to assess the robustness of ERM by content-analysing divulgence on risk management in published annual reports. The banking reform periods were dichotomised into pre- (2008–2012) and post- (2013–2017) reform periods. Jonckheere–Terpstra test, independent sample t-test and Mann–Whitney test were applied to analyse a total of 1,036 firm-year observations over the period 2008–2017.FindingsResult shows that bank attributes significantly affecting the robustness of risk management practice are level of capitalisation, scope of operation, systemic importance and size. Performance of banks improved slightly during the post-2012 banking reform period. This suggests that as banks consolidate on the gains of ERM, benefits of the regulatory policy on risk management may be realised in the long run. Result also shows that ERM enhances long-term performance, connoting that effective risk management could serve as a competitive strategy for surviving turbulence that typically characterises the banking sector.Practical implicationsThe emergence of level of capitalisation, scope of operation, systemic importance and size as determinants of ERM provides empirical evidence to support the practice of reviewing the capital requirements for banking business from time to time by regulatory authorities (i.e. recapitalisation policy) as a strategy for managing systemic risk. Top management of banks may consider instituting mechanisms that will ensure risk management is given prominence. A proactive approach must be taken to convert risks to opportunities by banks and other financial institutions, going forward, to cope with the vicissitudes of financial intermediation.Originality/valueThe originality of the study stems from the consideration that it provides some new insights into the impact of ERM on banks long-term sustainability in a developing country. The study also contributes to knowledge by exposing the factors determining the robustness of risk management practice. The study developed a checklist for assessing ERM practice from annual reports and other risk management disclosure documents. The paper also adds to the scarce literature on risk governance and risk management.

Relationship between Job Crafting, Work Engagement and Psychological Empowerment in Pakistan

The study tests if job crafting could positively stimulate the engagement of work to employees in Pakistan. The relationship between job crafting and work engagement was investigated. In addition, the possible moderating effect of psychological empowerment was taken into account. Data was collected from 320 bank employees of Pakistan which included the top management of banks, through questionnaires. Results revealed significant positive relationships between job crafting, work engagement and psychological empowerment. Psychological empowerment was a significant moderator and enhanced the relationship between job crafting and work engagement. This study would be beneficial in the field of organizational psychology and would help to understand the concern of employees regarding their workplace productivity. This study has also helped in understanding that there is a need to pay attention to employee psychological empowerment, and what changes should be made in the organization to get employees more engaged at work.

Does Emotional Intelligence Contribute to Quality of Strategic Decisions? The Mediating Role of Open Innovation

Purpose—The purpose of this research is to explore the direct relationship between the emotional intelligence of top management and the quality of strategic decisions they take for their companies. This relationship is further examined by the mediating role of open innovation in the context of intelligent information systems that can impact the way top managers take decisions. This research adopted a survey design as cross-sectional data were taken through questionnaires from top management of the UAE national banks. A final sample size of 213 questionnaires completed by managers was obtained and analyzed. As predicted, there was a strong, positive relationship between managers’ emotional intelligence and the quality of their strategic decisions. Open innovation has revolutionized the way top managers of banks take decisions that are later transformed into policies. Decision-makers are required to possess the skill of decision-making by being vigilant of their surroundings. Hence, they have emotional intelligence and intelligent information systems (IIS) only enhances the trait. IIS is the glorified version of open innovation that further contributes to the decision-making process and the quality of decisions. This research is one of a kind as no one has explored these dimensions of emotional intelligence in the UAE.

The influence of corporate social responsibility activities on customer value co-creation: the mediating role of relationship marketing orientation

PurposeThis paper aims to investigate the impact of external stakeholders-related corporate social responsibility (CSR) activities (local community and suppliers) on customer value co-creation behavior. This study also aims to examine the mediating role of relationship marketing orientation (RMO) on the relationship of CSR activities and customer value co-creation behavior.Design/methodology/approachThe main problem of dichotomy between customers and the management was existing in banking sector so that’s why through purposive sampling, banking customers were selected for data collection through a self-administered questionnaire. Structural equation modeling was used to test the proposed hypotheses.FindingsThe present study found that both local community-related and supplier-related CSR activities have a positive impact on customer value co-creation behavior. Relationship marketing orientation mediates between the link of CSR activities and customer value co-creation behavior. The strength of RMO in CSR supplier and customer value co-creation behavior is found to be more dominant.Research limitations/implicationsThis study is restricted to one country under-investigation; therefore, it can be replicated with a larger and more geographically diverse sample.Practical implicationsThis study offers insights to the banking sector that local community-related CSR activities contribute to the value co-creation behavior and minimize the social problems of Pakistan.Originality/valueThe findings of this study highlight that top management of banks can enhance the customer’s participation in services by using valuable CSR activities. The results imply the importance of interactions between the recipient of services and service providers. Stakeholder theory has previously been applied to examine stakeholders’ value maximization; this study uses stakeholder theory to examine shareholders’ value co-creation.

Развитие корпоративной банковской отчетности в целях внутреннего аудита и контроля финансовой безопасности

Based on the analysis of corporate reporting formed today in commercial banks, the author identifi ed the need for its development to improve management efficiency, including internal audit organized by owners, as well as monitoring financial security conducted by top management of banks. Particular attention is paid to the organization of IT technologies and their control in order to ensure the fi nancial security of commercial banks, including in the system of preparing corporate management reporting, which together with the compliance with Basel III standards is aimed at solving the problem of reducing banking risks.

Deciphering drivers of efficiency of bank branches

PurposeThe purpose of this paper is to empirically assess the efficiency (transaction efficiency, intermediation efficiency and profit efficiency) of the retail branches of a large bank and identify the driver parameters of the same.Design/methodology/approachThe authors use the non-parametric data envelopment analysis approach to analyze the financial performance of 247 branches in 2014, spread over 14 states of a country. After checking for possible misspecification bias, the authors use the fractional regression approach in the second stage of the analysis to assess possible drivers of the efficiency of bank branches in terms of the size of business, funding mix, per employee contribution to business and profit and business per transaction. In addition, the authors included spatial parameters like economic condition and competitive position of branches in their analysis.FindingsThe authors find that on an overall basis, there might be a deliberate initiative of the top management of the bank to over-branch in order to improve the output at the aggregate level which is above the level of cost minimization. The study clearly indicates to the top management that low-cost deposit is a significant driver of branch efficiency apart from business per transaction, income per employee. Moreover, it is found that branches located in areas of high branch concentration are more efficient, and local economic condition does drive efficiency of branches.Practical implicationsThe authors address the dilemma faced by the top management of banks in arriving at an appropriate scientific benchmark to assess the performance of branches based on the drivers of efficiency and initiate suitable strategic interventions to improve their efficiency.Originality/valueThe integrated assessment of the efficiency of bank branches and arriving at the drivers of efficiency using the fractional regression model framework are likely to prove beneficial in the benchmarking exercise of the performance of bank branches.

A comparative study of the application of systems thinking in achieving organizational effectiveness in Malaysian and Pakistani banks

The present work is a comparative study of the banking industry of Malaysia and Pakistan. The paper aims to measure the impact of individual systems thinking on the overall organizational effectiveness. Skilled individuals are considered as an asset of the organization especially when these individuals exhibit systems thinking capabilities that helps in achieving effectiveness. The sample consisted of 368 respondents belonging to lower and middle tier levels in the banking sector of both countries. The results indicate that Malaysian banking employees are ahead of their counterparts in Pakistan while applying systems thinking. The study is significant in enhancing the understanding of the importance of systems thinking for organizational effectiveness. The study has managerial implications for the top management of banks.

NON-PERFORMING ASSETS IN INDIAN BANKING AND THE ROLE OF ASSET RECONSTRUCTION COMPANIES

Reform in the banking industry in India is not anything new. It is true that the financial sectoral reforms have resulted in giving a new direction in the industry because of the significant impact that it led to. In recent times, following the financial crisis of 2008 and the economic slowdown worldwide since then, including a slump in the domestic country, non-performing assets are in the focus. It has severely impacted the industry performance because of the need for higher provisioning. To be more specific, the effect on the public sector has been more severe. The policy regulator and top management of banks have expressed their worries since it is affecting the stability of the banks. In this regard, it can be mentioned that in spite of the SARFAESI Act passed in the beginning of the last decade, the problem of rising non-performing assets (NPAs) has not been arrested yet to a substantial extent in spite of the setting up of the asset reconstruction companies (ARCs) in the country. The present study focuses not only on the NPA trends in the sector during the period 2005-06 to 2014-15 but also critically analyses the role of the ARCs and the issues pertaining to them.

Market Orientation of Saudi Banking Sector by MKTOR Market OrientationMeasure Scale

Many studies conducted in different context have shown the importance of market orientation for the companies and have used Narver and Slater‘s market orientation measure scale to evaluate it. However, the market orientation has never been studied and evaluated using MKTOR in an Arab culture context. This study evaluated the market orientation of Saudi banking sector, women’s branches in Al Qassim region. Data from 50 banks’ managers were collected using the MKTOR scale after translation in Arabic. The factor analysis shows that the market orientation of women’s branches is moderate. It is therefore recommended that the top management of banks should focus on the co-operation between the different functions/departments within the organization and ameliorate the information’s coordination. It should take care of assessing customer needs and competitors’ strengths and weaknesses. To be market oriented those banks should have a strategy and objectives driven by customer satisfaction which require the commitment of top management.

ANALISIS TINGKATAN STRES DAN PENGARUHNYA TERHADAP KINERJA PIMPINAN CABANG BANK SWASTA NASIONAL DI SURABAYA

After facing some problems for the last few years and along with the monetary crisis in Indonesia, now days, especially concerning with the top management of bank, in running banking activities comes to surface. The activities are close to demand/ target assigned to them which surely affects their stress level. In the end, it also affects their performance. This research was conducted in June 2003 to private bank in Surabaya that enter into an alliance with "Perbanas" (National Private Bank Association). It aimed at knowing to what extend the level of stress undergone by the bankers and its impacts upon it. The research was conducted to 51 banks its recorded in “Perbanas" secretariat by means of list of questions. The list had been standardized and formulated through scoring of stress level and the degree offreedom 5% Chi-Square (Q2) with out. if the were the impacts of the stress level