thesis on bank performance

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THE IMPACT OF E-BANKING ON BANK PERFORMANCE

This is a final year project on E-Banking and how it's going to affect the bank performance in United Arab Emirates.

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Impact of E-Banking on Traditional Banking Services

Anar Quliyev

Now a day's due to the emerging world economy, e-commerce and e-business became increasingly a necessary component of business strategy and a powerful catalyst for economic growth. The integration of information and communications technology in business has revolutionized relationships within organizations and those between and among organizations and individuals. The new information technology for the financial services industry and in particular the further development of the banking industry is becoming an important factor. As well as according to health recommendations, one of the most effective ways to contain the current COVID-19 epidemic is to avoid personal contact. This means reducing the movement of people and increasing the time they spend at home as much as possible. In line with these indications, most banks in the affected countries have reduced the opening hours of their branches and they recommend their customers use online banking. At the same time, the adoption of e-banking provides a framework to assess the factors taken. With the emergence of the global economy, e-business has increasingly become a necessary component of business strategy and a powerful catalyst for economic growth. Online-banking has become popular because of its convenience and flexibility, and also transaction related benefits like speed, efficiency, accessibility, etc. It also provides easy transfer, faster operation, lower cost and time-saving. Results from this study indicate that a number of advantages to electronic banking is a service of the Azerbaijanian banking sector, at the same time, research shows that the banking sector in Azerbaijan submitted by customers regarding electronic banking do have enough information.

Journal of Public Administration and Governance

Syed Tauqeer Ahmad

The proliferation and penetration of internet has opened new horizons and scenarios for the retail banking industry. The retail banks are now providing their products and services through the electronic medium; e-banking. E-banking is considered to have a substantial impact on banks’ performance. The aim of this paper is to examine the impact of e-banking on the profitability of Pakistani banks, in particular. This paper covers twelve banks across Pakistan. The study is qualitative in nature which examines different objectives which determine the performance of banks mainly in terms of profitability. It also discusses the effect of customers’ literacy on provision of services from banks’ perspective. It also discusses the basic motive of banks to adopt e-banking services. The study is done through taking interviews from the managers of these banks.The results show that e-banking has increased the profitability of banks, it has enabled the banks to meet their costs and earn profits e...

ramit shetty

IAEME PUBLICATION

IAEME Publication

Electronic Banking has become the heart of banking sector, while banking industry is the heart of every robust economy. E-banking has revolutionized the lives of all individuals of present times and is considered to be a wave of information revolution after the agricultural and industrial revolution Internet banking, mobile banking, Automated Teller Machine, electronic funds transfer, and smart cards etc. are the services provided by banks under Electronic Banking. Through this research paper, an attempt has been made at examining the impact of electronic banking on the performance of Banks. Electronic Banking has resulted in reduction in transaction costs, increased productivity, increase in volume of deposits, increase in net operation margin and reduction of operational costs of the banks, thereby improving the efficiency in the banking operations. Through this paper, it has been found that Electronic Banking has tremendously improved the performance of banks.

ASUE ESELEM Valence

This research study seeks to measure the impact of e-banking on commercial banking operations. With our case study being UBA Bank Cameroon, we will set out to examine the relationship between e-banking services and the profitability of the banking institution and also to identify the difference between those who use E-banking Services and Counter Service. We will use the T-test model and a simple correlation model to establish a relationship between e-banking services and the profitability of the banking institution whilst also establishing the difference between customers who use e-banking services and customers who use the counter service. In conducting this research, we will use both primary and secondary data. Furthermore, quantitative and descriptive methods of analysis will be adopted to examine the impact of e-banking services on the profitability of the banking institution.

2010 Fourth International Conference on Digital Society

A. I Al-Aqeel

Mohammed Abba

The resultant of technological innovation has been the transformation in operational dimension of banks over some decades. Internet technology has brought about a paradigm shift in banking operations to the extent that banks embrace internet technology to enhance effective and extensive delivery of wide range of value added products and services. However, the fact that e-banking is fast gaining acceptance in Nigerian banking sector does not assuredly signify improved bank performance nor would conspicuous use of internet as a delivery channels make it economically viable, productive or profitable. Whether progression is made in the use of internet technology (e-banking) or not, there should be parameter to empirically assess its impact over specified period of adoption. Consequently, the study examined the impact of electronic banking on banks’ performance in Nigeria. Panel data comprised annual audited financial statements of eight banks that have adopted e-) and retained their bra...

International Journal of Scientific Engineering and Technology

Oyewole S Oginni

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Clarity on Swiss Private Banks

Turbulent financial markets made 2022 an extremely challenging year. The effects were felt across Switzerland’s private banking sector, which remains highly dependent on market movements. This led to a performance-driven fall in assets under management (AuM), limited M&A activity, and lower net new money (NNM) – seeing AuM fall back to 2020 levels. Higher interest rates proved to be a savior for many banks, providing a much-needed boost to interest income and profitability.

As banks seek to achieve the next level of profitable growth, they must contend with the cost and complexity of cross-border business, a shortage of talent, lack of sizeable M&A opportunities, and ongoing geopolitical tensions. Strengthening their ability to generate organic growth will be key. Incremental performance improvements are becoming more difficult, but banks must find a way to overcome the hurdles and achieve greater profitability and growth.

Read more about how Switzerland’s private banks performed, and what the future might hold for the strongest and weakest among them.

Christian Hintermann

Partner, Financial Services

KPMG Switzerland

The Big 8 banks perform strongly while small banks improve

Switzerland's Big 8 private banks were hit hardest by last year's challenging conditions, but still put in strong performances. Some small banks also did well, seeming to have turned their businesses around in recent years by keeping costs stable and limiting a decline in commission income. The number of small banks classed as weak performers fell from 15 in 2021 to nine last year.

A rise in interest income saved many poorly performing banks from making losses or being classed as weak. Poor C/I and RoE persists at 97% and 0.1% respectively at weak banks, however. While many have escaped consolidation for the moment, they may not be able to avoid it for much longer.

Interest income provides a critical revenue boost

As commission income fell significantly amid last year's turbulent financial markets, the rise in interest income will have come as a relief. It jumped by more than 50%, or about CHF 1.4bn, overall. The median interest margin rose from 10bps to 18bps, returning to pre-financial crisis levels of 18bps in 2007 and 19bps in 2008.

In many cases, interest income more than compensated for a number of other difficulties: AuM that has fallen by more than 10% back to 2020 levels, declining mandate penetration, limited client activity alongside deleveraging, and clients holding more in cash. 

M&A slows as the number of banks remains steady

Despite 2022 delivering massive turmoil and challenge, it caused little structural change. The number of private banks decreased from 92 at the end of 2021 to 89 at the end of March 2023, with the disappeared banks being exclusively small weak banks. Most M&A activity involved Independent Asset Managers, with only minor impacts on industry AuM.

As banks seek to improve profitability, medium-sized banks in particular are struggling and some may need to look for a buyer or strategic partner. This will lead to more M&A going forward, as will the fact that we expect more weak small banks to exit the market. Activity will rise also as larger banks look for opportunities abroad to reignite growth.

NNM drops but small banks outperform their bigger rivals

Industry NNM hit its lowest level since 2018, following a record high of CHF 131bn in 2021. Its fall to CHF 45bn in 2022 was driven by a dramatic CHF 80bn drop in NNM at large banks. By contrast, small banks performed impressively. Despite holding only 6% of the industry's AuM, they generated 17% of its NNM last year. 

Given Switzerland's status as a safe haven, this fall in NNM was unexpected in such turbulent times. As the wealth of the world's richest continues to grow, Swiss banks are struggling to capture their fair share. 

Cost-income remains stubbornly high for many

Despite last year's fall in AuM, small and medium-sized banks posted resilient profits, and were even able to significantly increase gross profit as a whole. Median C/I also rose, however, from 80.6% to 81.3%. This remains stubbornly at the higher end seen in recent years. C/I varies significantly between clusters, such as 60.6% at strong banks and 97.2% at weak ones, but has stayed surprisingly stable for most clusters over the past five years. 

Considering whether banks have reached their tolerance on C/I, the question is whether they can improve further by adapting their business models. Whether this could be through growth, economies of scale or greater efficiencies to unlock their upside potential is open to debate, but one thing is clear: it may require more radical changes that the incremental steps we have seen in the past few years. 

Discover how Swiss private banks have performed in 2022

Number of private banks and m&a.

Industry performance

Industry performance by bank size

Median bank's performance

Would you like us to send you the full Clarity on Swiss Private Banks publication?

Business Talk with CEOs of three Swiss private banks

CEO's of Julius Bär, Syz Group and the Privatbank Bellerive discuss how banks achieved strong results in the difficult banking environment.

HSG's deep-dive into performance over the past 12 years

For the 12th year in a row, HSG has contributed to our study “Clarity on Swiss Private Banks” and has produced their detailed analysis of Swiss private banks that complements and reinforces our own. This year, it focuses on the longer-term performance of banks over the disruptive period 2010-2021. Looking at key indicators including return on equity and cost-income ratios, it distinguishes the performance of Switzerland's eight largest private banks from smaller clusters.

Containing some fascinating insights into how Swiss private banks have developed over the 12 years, and how differing strategies have led to different degrees of success, the publication also draws a connection between banks' number of FTEs and average profitability.

Longer-Term Performance of Swiss Private Banks 2010-2021

KPMG Digital Benchmarking Tool

Our proprietary digital benchmarking tool contains data from 82 private banks across Switzerland and Liechtenstein. Banks can use the tool to undertake a detailed comparison with their peers using unique KPI drill-down capabilities.

Ours experts are pleased to help you identify areas of performance enhancement for your bank and how they can be delivered practically and efficiently.

Meet our experts

We would be happy to share our thoughts on the implications for your organization. Contact us to discuss our findings.

Philipp Rickert

Partner, Head of Financial Services, Member of the Executive Committee

Guido Rosenast

Senior Manager, Financial Services, Deal Advisory

To the overview of our banking expertise

Kpmg's banking expertise.

Nvidia stock has another 24% to climb as it looks poised to dominate the computing market for the next decade, Bank of America says

• Nvidia's stellar stock rally isn't close to over, according to Bank of America.
• The bank reiterated its $1,500 price target this week, implying another 24% upside for the stock.
• Nvidia will continue to dominate the computing market in the next upgrade cycle, the bank said.

Nvidia shares have more room to climb even after its latest rally to record highs, as the chipmaker appears to be on track to dominate the computing market for years to come, according to Bank of America.

The bank reiterated its "buy" rating on the stock in a note on Wednesday, adding that the firm led by Jensen Huang remains a top pick in the IT sector . BofA strategists have a 12-month price target of $1,500 a share, implying another 24% upside from where the stock was trading late Thursday morning.

"NVDA best positioned to enable the $3 Trillion IT industry toward delivering AI services. Despite claims by rivals (AMD, Intel, custom chips, or ASICs) we see NVDA with a multi-year lead in performance, pipeline, incumbency, scale and developer support," strategists said in the note.

Vivek Arya, a senior semiconductor analyst for the bank, added that he believed the stock would dominate the computer market for the next decade. That's because the IT sector undergoes "multi-decade infrastructure upgrade cycles," and markets are witnessing the start of the next decadelong cycle, Ayra said.

"We think that the spending could be anywhere between $250-$500 billion a year, and Nvidia is leading the charge," he told Yahoo Finance this week.

Nvidia's stock has been unstoppable in the last 18 months, ever since OpenAI released ChatGPT and set off an artificial intellilgence arms race. Nvidia chips have been effectively the only game in town when it comes to powering the AI models that have captured the attention of consumers and Wall Street investors.

On Wednesday, the stock hit fresh records, with the company's total market cap vaulting past that of Apple to become the world's second most valuable company.

Nvidia stock undergo a 10-for-1 split on Friday, a move that could be a catalyst for further gains as a lower share price helps draw more attention from retail investors.

Bearish Nvidia calls are rare, though some forecasters doubt whether the company can keep up its wild growth. The stock could eventually see a steep decline as it faces waning demand and increasing competition in the GPU market, analysts have warned.

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The Unique Burial of a Child of Early Scythian Time at the Cemetery of Saryg-Bulun (Tuva)

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Pages:  379-406

In 1988, the Tuvan Archaeological Expedition (led by M. E. Kilunovskaya and V. A. Semenov) discovered a unique burial of the early Iron Age at Saryg-Bulun in Central Tuva. There are two burial mounds of the Aldy-Bel culture dated by 7th century BC. Within the barrows, which adjoined one another, forming a figure-of-eight, there were discovered 7 burials, from which a representative collection of artifacts was recovered. Burial 5 was the most unique, it was found in a coffin made of a larch trunk, with a tightly closed lid. Due to the preservative properties of larch and lack of air access, the coffin contained a well-preserved mummy of a child with an accompanying set of grave goods. The interred individual retained the skin on his face and had a leather headdress painted with red pigment and a coat, sewn from jerboa fur. The coat was belted with a leather belt with bronze ornaments and buckles. Besides that, a leather quiver with arrows with the shafts decorated with painted ornaments, fully preserved battle pick and a bow were buried in the coffin. Unexpectedly, the full-genomic analysis, showed that the individual was female. This fact opens a new aspect in the study of the social history of the Scythian society and perhaps brings us back to the myth of the Amazons, discussed by Herodotus. Of course, this discovery is unique in its preservation for the Scythian culture of Tuva and requires careful study and conservation.

Keywords: Tuva, Early Iron Age, early Scythian period, Aldy-Bel culture, barrow, burial in the coffin, mummy, full genome sequencing, aDNA

Information about authors: Marina Kilunovskaya (Saint Petersburg, Russian Federation). Candidate of Historical Sciences. Institute for the History of Material Culture of the Russian Academy of Sciences. Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail: [email protected] Vladimir Semenov (Saint Petersburg, Russian Federation). Candidate of Historical Sciences. Institute for the History of Material Culture of the Russian Academy of Sciences. Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail: [email protected] Varvara Busova  (Moscow, Russian Federation).  (Saint Petersburg, Russian Federation). Institute for the History of Material Culture of the Russian Academy of Sciences.  Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail:  [email protected] Kharis Mustafin  (Moscow, Russian Federation). Candidate of Technical Sciences. Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected] Irina Alborova  (Moscow, Russian Federation). Candidate of Biological Sciences. Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected] Alina Matzvai  (Moscow, Russian Federation). Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected]

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