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1

RETAIL BANKING (Bankowosc detaliczna)

100%
Szafarczyk A.
Contemporary Economics
|
2008
|
issue 3(7)
47-64
EN
The retail banking plays more and more important role in polish banking sector. There are several targets of this article. First of all is retail banking identification, both in Euroland and Poland. The next one - trends, especially household deposits and credits and last - retail banking in particular banks.
2

BANKING REFORM IN CENTRAL EUROPE COUNTRIES

100%
Mikita M.
Myśl Ekonomiczna i Prawna
|
2007
|
issue 1(16)
67-83
EN
The period of 15 years which have passed since the banking reforms started in the Central Europe countries (Poland, Hungary, former Czechoslovakia) generates a question about the effects of the introduced changes. Have the goals been achieved? The aim of the paper is to answer the question whether the banking reforms in the Central Europe countries resulted in the introduction of effectively functioning banking systems in these countries the level of which could be compared to the level of banking in developed countries. The authoress analyses the determiners and statistical data concerning banking sectors of the described countries. The conducted analysis allows her to conclude that the Central Europe countries introduced significant changes in their banking sectors between 1990 and 2005 which should be assessed positively. It does not mean, however, that the period of reforms has been completed. The level of development of banking markets in the Central Europe countries is still inferior to that of the developed countries.
3

BANK UNITS. ASSESSMENT AND DEVELOPMENT TENDENCIES (Oddzialy bankowe, ich ocena i tendencje rozwojowe)

80%
Szafarczyk A.
Contemporary Economics
|
2008
|
issue 1(5)
125-144
EN
There are new trends in development banking sector especially concerning branches. The e-banking has diminished impact the old fashion branches as main tool finance activity. Now we have units (departments) localized at supermarkets and in other strange places. Due to some researches mortgages and insurance policies ought to be sold in traditional branches according to clients preferences. Lafferty Agency researched quality of banking service condition in the UK. Base on this methodology similar case studies were done in Poland.
4

MERGER AND ACQUISITION IN THE BANKING SECTOR

80%
Szewczyk A.
Contemporary Economics
|
2008
|
issue 4(8)
29-44
EN
The article presents situation on mergers and acquisitions (M&A) in banking sector during last twenty years. The main motives are selected and analyzed. All is explained on the base on research reports of the Deutsche Bundesbank and the European Central Bank.
5
Content available remote

Social media jako element strategii banków opartej na budowaniu relacji z konsumentami

80%
Kuchciak I.
Zarządzanie i Finanse
|
2012
|
vol. 4
|
issue 1
349-366
EN
The success of the Web 2.0 is said to lie in its unique feature of user provided content and therefore the empowering of users through sharing, collaborating, recommendation, tagging, trust and tribe building. Social media is a huge opportunity for brands if they learn to influence the collective wisdom of the crowd to be able to build a significant and defensible market position based on solid social acceptance. This study has been able to explore the world of social media and how an organization can derive maximum benefits from the available platforms. Particular attention has been paid to the concept of mass media in the banking sector and pointing to the role that social media play in the process of long-term and beneficial bank - customer relationships as well as improving the competiveness position. To align social media efforts with key business objectives, banks should conduct social media benchmarking to define key performance indicators that can guide a strategic approach to the channel. Not only will this kind of+ strategic engagement provide a wealth of insightful consumer data, it could help improve the customer experience, strengthen loyalty, and attract new business.
6
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Rola komitetów audytu w komunikacji finansowej: doświadczenia z sektora bankowego w Polsce

80%
Spiechowicz P., Słomka-Gołębiowska A.
Prace i Materiały Wydziału Zarządzania Uniwersytetu Gdańskiego
|
2011
|
vol. 2
|
issue 1
393-407
EN
The aim of the study is to analyze what was the role of audit committee in the financial communication based on the data gathered from banks listed on Warsaw Stock Exchange. The results show that audit committees in banks are not yet engaged in the process of financial communication. However, they oversee the process of preparation of financial statements, accounting methods, and management board’s assumptions provided that has financial expertise.
7

Sektory bankowe nowych panstw czlonkowskich Unii Europejskiej

80%
Stefanski M.
Contemporary Economics
|
2010
|
issue 1(13)
21-46
EN
The main goal of his article is to analyze the economic position and financial strength of banking sectors in the new European Union member states (EU-12). The banking sector consists of all banks that operate in a given country except for the central bank and non-operating banks, such as those in the state of insolvency or liquidation. The author discusses EU-12 banking sectors with regard to a number of economic and financial indices, including the size of assets, the degree of their concentration, ownership types, financial results and efficiency. The analysis is followed by an attempt to evaluate those sectors and assess their financial stability and resistance to macroeconomic and banking risks. Action EU-12 banking sectors in the time of financial crisis is presented as well. Analysis is accompanied by the hypothesis, that about further development of UE-12 banking sectors will decide foreign owners of banks.
8

AKTUÁLNE TRENDY RETAIL BANKINGU VO VYBRANÝCH KRAJINÁCH EURÓPSKEJ ÚNIE A ICH POROVNANIE SO SITUÁCIOU V SLOVENSKEJ REPUBLIKE

80%
Belás J.
Ekonomický časopis (Journal of Economics)
|
2005
|
vol. 53
|
issue 8
782-793
EN
Retail banking presents a specific art of banking business, which is especially oriented on selling of bank products and services. Retail banking can be defined as an system, which consists of following subsystems: strategy, culture, product, price, communication, distribution, personal.The target of this article is to present the theoretical aspects of retail banking development and to define the actual trends of retail banking development in the EU countries and to compare these trends with the current situation in Slovakia.
9
Content available remote

GERMAN INVESTMENT IN BANKING SECTOR IN POLAND IN LIGHT OF POLISH-GERMAN RELATIONS

80%
Borowski P. F.
Sprawy Narodowościowe
|
2008
|
issue 32
181-189
EN
The article analyses macroeconomic environment influence on German investment in banking sector in Poland. The Polish-German relationships play very important role in improving investment climate, so one of the most important tasks for State Government is to build the propitious investment climate. Foreign capital play a helpful role in the process of economic growth; it can (1) support domestic development, (2) make the flow of know-how possible, and (3) contribute to increase of knowledge. The collaboration between Poland and Germany is in friendly atmosphere. The sociocultural and political environment creates good climate for investment. The largest number of Germany's foreign investment shows that relationships between our countries promote development and economic growth.
10

MACROECONOMIC, STRUCTURAL, AND BANK-SPECIFIC DETERMINANTS OF NON-PERFORMING LOANS IN CENTRAL AND EASTERN EUROPE

70%
Shala A., Toçi V., Mustafa A.
Ekonomický časopis (Journal of Economics)
|
2022
|
vol. 70
|
issue 5
411 – 429
EN
The study of credit risk has gained significant importance in the aftermath of the global financial crisis of 2007 – 2008. Estimating the determinants of non-performing loans (NPLs), as an important indicator of credit risk in the banking sector, is essential for financial stability policies. The main goal of this research is to examine the determinants of NPLs in Central and Eastern European countries (CEE). This paper analyses macroeconomic, structural, and bank-specific determinants of NPLs for 17 CEE countries for the period 2006 – 2017 by utilizing panel data and the fixed effects model. Although the literature on NPLs is quite extensive, this is the first empirical research with such a large number of countries from the CEE region using country-level data. The baseline analysis suggests that the unemployment rate, inflation rate, credit growth, crisis, bank concentration, and regulatory quality have a significant impact on NPLs. Unexpectedly, the law enforcement of creditor rights, proxied by various indicators, is not a statistically significant determinant of NPLs. The result of the study contributes to the literature on banking regulation and supervision, especially in the context of the CEE region.
11

EFFICIENCY CHANGE OF BANKING SECTORS AND BANKS IN THE FINANCIAL CONGLOMERATES IN VISEGRAD GROUP COUNTRIES

70%
Palečková I.
Ekonomický časopis (Journal of Economics)
|
2017
|
vol. 65
|
issue 1
79 – 92
EN
The objective of this paper is to estimate the efficiency change in the banking sectors of the group of Visegrad countries during the 2009 – 2013 period and to determine whether banks that belong to a financial conglomerate are more or less efficient than other banks in the sector. We used Data Envelopment Analysis and the Malmquist index to analyse the banking efficiency. The positive efficiency change during the 2009 – 2013 periods was primarily due to innovation, superior management and technological growth. There were differences in banks in the financial conglomerates across Visegrad group countries. Several banks from the financial conglomerate were less efficient than other banks in the banking industry.
12

FOREIGN BANK ORIGINS AND EFFICIENCY IN THE CENTRAL AND EASTERN EUROPEAN BANKING SECTOR

70%
Piatkov A., Jiménez-Hernándes I., Sáez-Fernández F. J.
Ekonomický časopis (Journal of Economics)
|
2023
|
vol. 71
|
issue 8-9
536 – 559
EN
The main goal of this study is to analyse whether the source of capital in foreign participation in the domestic banking markets of countries that joined the EU after 2004 influences the evolution of efficiency levels in domestic banks and, consequently, the efficiency levels within these markets. It assesses the level of activity of foreign commercial banks in the aftermath of the 2008 – 2012 financial crises and explores its relationship with banking sector efficiency. The study focuses on 13 countries, including Central European, South-Eastern European and Baltic states. Using the Data Envelopment Analysis (DEA) method, the research aims to determine whether foreign banks have gained or lost influence in these markets and the foreign countries that have the best performing banks in these markets. Further-more, it provides insights into the potential influence of sources of foreign capital on the overall performance of domestic banking markets, indicating how competition could drive high-achieving foreign banks to outperform in their established markets.
13

PROFITABILITY AND CAPITAL ADEQUACY IN CENTRAL AND EASTERN EUROPEAN COUNTRIES IN THE LIGHT OF THE BASEL III REQUIREMENTS – A FORECAST APPROACH

61%
Radulescu M., Banica L.
Ekonomický časopis (Journal of Economics)
|
2018
|
vol. 66
|
issue 5
479 – 502
EN
Previous studies have shown that the banking sector of the Central and Eastern European (CEE) countries performed better than other developed European sectors during the crisis, due to their sound capitalization and a high profitability before the crisis. That is why we consider that it is interesting to see how they will perform in terms of the profitability and capitalization ratios during 2016 – 2017 in the light of the new international capital adequacy regulations. We have used Combinatorial forecasting method and Artificial Neural Networks (ANN) forecasting method for the banking sectors of five Central and Eastern European countries, non-members of the Eurozone, in order to predict the further developments of capital adequacy ratio, return on assets (ROA) and net interest margin during 2016 – 2017. Our results show that the capital adequacy ratio will improve in all five analysed banking sectors. The bank net interest margin will increase in all five banking sectors (except in the Czech banking sector) and ROA will increase a lot in Hungary, but also in Bulgaria and Romania, while in Poland and in the Czech Republic it will slowly increase.
14

ANALÝZA UKAZOVATEĽA LOAN TO DEPOSIT V KRAJINÁCH VYŠEHRADSKEJ SKUPINY

61%
Kočišová K.
Ekonomický časopis (Journal of Economics)
|
2015
|
vol. 63
|
issue 10
1053 – 1075
EN
The main aim of submitted paper was to analyse liquidity risk in the banking sectors in Visegrad group countries (V4) using data at the macro level from 2006 to present. We used regression to analyse the impact of banking sector specific factors and macroeconomic variables to the Loan to Deposit ratio (LTD). The results showed that the LTD of Slovak banking sector was positively related to size and specialisation of banking sector. In case of Czech Republic factor with negative impact was interest rate of central bank; and factors with positive impact were specialisation of banking sector, 3M PRIBOR and gross domestic product in log form. LTD ratio of Poland was negatively related to 3M WIBOR, unemployment rate and gross domestic product in log form; and positively related to size and specialisation of banking sector and interest rate of central bank. In Hungarian banking sector LTD was negatively related to 3M BUBOR and positively related to size and specialisation of banking sector, capital adequacy, interest rate of central bank and long term interest rate.
15

VLIV EXTERNÍHO FINANCOVÁNÍ NA MIKROFINANČNÍ ROZVOJ – MAKROPOHLED

61%
Janda K., Tran V. Q., Zetek P.
Ekonomický časopis (Journal of Economics)
|
2015
|
vol. 63
|
issue 2
115 – 132
EN
Microfinance institutions finance their business activities primary with clients’ deposits, equity and subsidiary or with external funding. The aim of our thesis is to determine whether the external funding, macroeconomic development and the size of banking sector have some impact on a microfinance performance. Our findings reveal that the growth of external sources is positively associated with the number of female borrowers, interest rates or total expenditure. A significant negative effect can appear if the ratio of external funding to total assets is being uncontrollably increased over time.
16

BANKING SECTOR IN THE PROCESS OF EUROPEAN INTEGRATION: HOW DID EU ACCESSION AND EURO ADOPTION AFFECT COST EFFICIENCY OF SLOVAK BANKING SECTOR?

61%
Čupiċ M., Širaňová M.
Ekonomický časopis (Journal of Economics)
|
2018
|
vol. 66
|
issue 2
115 – 138
EN
The aim of this paper is to examine the influence of the accession of Slovakia to the European Union and the Euro zone (Euro area) on the efficiency of Slovak banks. We use data envelopment analysis to estimate bank efficiency, and ordinary least squares and tobit regression to estimate influence of possible bank efficiency determinants. Our analysis shows that the bank efficiency increases both after the accession of Slovakia to the European Union and the Euro zone. We find that the adoption of the Euro has positive impact on bank efficiency in the longer run, although it can have short term negative impact. Our results suggest that efficiency of Slovak banks was not affected by macroeconomic conditions and banking reforms, which is in line with the argument that Slovak banking sector is in the advanced stage of development when influence of these factors is of less importance. We also find that large banks are more efficient than small banks, and foreign banks are more efficient than domestic banks.
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