Risk management in banking sector is a key issue linked to financial system stability and its importance has been elevated by technological developments and emergence of new financial instruments. In this paper, we improve the model previously defined for quantifying internal control impact on banking risks by automatizing the residual criticality estimation step of FMECA. For this, we defined ...

This paper investigates the competitive aspects of multi-product banking operations. Extending Panzar and Rosse’s (1987) model to the case of a multi-product banking firm, we show that higher economies of scope in multi-product banking are associated with lower Panzar–Rosse measures of competition in the banking sector. To test this empirical implication and determine the impact of multi-produc...

The explicit or implicit protection of banks through government bail-out policies is a universal phenomenon. We analyze the competitive effects of such policies in two models with different degrees of transparency in the banking sector. Our main result is that the bail-out policy unambiguously leads to higher risk-taking at those banks that do not enjoy a bail-out guarantee. The reason is that ...

This paper documents the introduction of triple-bottom-line reporting to an organisation within the banking sector. Particular focus is placed on the implementation and reporting of the social responsibility aspects of triple-bottom-line reporting. The case study examines the management of the change from a practical and strategic perspective. Impact of the introduction is examined internally t...

The issue of retail banking is extremely important and topical. Across the globe, retail lending has been a spectacular innovation in the commercial banking sector in recent years. The growth of retail lending, especially, in emerging economies, is attributable to the rapid advances in information technology, the evolving macroeconomic environment, financial market reform, and several micro-lev...

tions of an independent developing nation. In this context, as in other developing countries, an important function of the Government and the CBSL was to promote the development of the country’s financial system. In the 1960s and 1970s, the major emphasis was on localising and expanding the financial system into remote areas with state support and participation. The Government intervened in the...

With developing countries now gaining access to modern banking services for their customers, research is needed to understand how developing countries will adapt to these changes. Since the 1980s, in the Arabic region, technological expansion has occurred with a focus on trade and services offered by industries – recently the banking sector has started to develop banking services through mobile...

We establish a fundamental relationship between the return on the banking sector’s assets and each banker’s willingness to supply liabilities that facilitate payments and settlement (private money). In particular, we show that the regulation of lending practices is necessary for the optimal provision of private money. In an environment in which bankers cannot commit to their promises, an unregu...

To be competitive and capture new customers, banks must develop continuous innovations that can reduce costs, enhance existing service quality, expand current service offerings, and increase market share. This article proposes a typology of different types of innovation in the retail banking sector on the basis of a case study of the leading French credit institution, Crédit Agricole. This bank...

79 The European banking sector is currently undergoing rapid changes due to recent financial market developments and the introduction of new legislation, such as the Capital Requirements Regulation/Capital Requirements Directive IV. This study aims to identify emerging patterns of these changes in the European banking sector via clustering analysis. There is a broad stream of literature analyzi...