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  1. 2 Studia Ekonomiczne

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  1. 1 2014

  2. 1 2013

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  1. 1 Klimontowicz M.

  2. 1 Stodulny P.

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Model referencyjnej stopy procentowej w działalności kredytowej banku

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Stodulny P.
Studia Ekonomiczne
|
2013
|
vol. 154
103-112
EN
The paper presents the conception and method of estimating the internal reference rate for loans granted by banks. It's based on the structure of the bank's assets and liabilities, sources of financing and the cost of raising funds, the bank's capital needs, capital costs, and other items of the financial result. Presented method can be used particularly when the bank realizes strategy of variable interest rates depending on the internal decision of the Board in respect of the interest assets and liabilities. This strategy is commonly used by the co-operative banks. The paper contains the model of the cooperative bank, described by mathematical equations that indicate relationships between the parts of the balance sheet, income statement and capital adequacy calculation. The resulting formula for the calculation of the internal reference rate for loans may be used for ongoing monitoring of the bank's operations and strategic planning.
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Kapitał klienta we współczesnych modelach biznesowych banków

100%
Klimontowicz M.
Studia Ekonomiczne
|
2014
|
vol. 186 cz 1
268-281
EN
Polish banking sector is changing constantly. Nowadays the bank's sustainable market position, performance and the ability of profits' increase makes banks to rethink their market strategies and implement changes in their business models. Fortunately some changes have already been done. The consumers' satisfaction, including the fulfillment of their current and future needs, has become the key factor of bank's market success. A new business model requires creating client capital as one of bank's strategic resources and source of sustainable competitive advantage. The paper presents the role of client capital in the process of creating banks' competitiveness, its position in current business models and some remarks and challenges connected with flexible adjusting banks' business models to consumers' needs and expectations.
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