In this paper, the authors analyze the impact of the specific ownership structure of the banking sector in Czech and Slovakia on the performance and applied strategies of particular banks during times of crisis. Did t...In this paper, the authors analyze the impact of the specific ownership structure of the banking sector in Czech and Slovakia on the performance and applied strategies of particular banks during times of crisis. Did the multinational banks pursue a coherent regional strategy to cope with the risks resulting from the crisis, or did they focus on finding local solutions？ The aim of this paper is to find answers to these questions. A case study is going to be used as a basic research method. Two members （Slovak and Czech） of four multinational banking groups are examined in the crisis year 2009, whereby both a qualitative analysis of the annual reports regarding strategic business or risk management decisions and a comparative quantitative analysis of selected financial data and risk indicators are employed. The authors have found that Czech and Slovak banks generally tried to follow the main strategic directions given by their parent banks during the financial crisis. However, particular financial results and risk profiles of respective subsidiaries of multinational banks still differ because of market factors specific to the different countries in which the subsidiaries are located.展开更多
This paper proposes to present an overview of determining factors of the granting of loan to Small and Medium Size Enterprises(SMSE)by the subsidiaries of multinational banks in Cameroon.The analysis of the data colle...This paper proposes to present an overview of determining factors of the granting of loan to Small and Medium Size Enterprises(SMSE)by the subsidiaries of multinational banks in Cameroon.The analysis of the data collected following interviews with banking employees conducted in accordance with the method of thematic content analysis reveals that two categories of factors play a major role in the decision of the banker:parameters relating to the characteristics of the SMSE applying for a loan and elements specific to the context of study.The combination of these factors contributes to the reinforcement of the already transactional attitude of these subsidiary banks in the area of experimentation of the study.展开更多
This paper examines the organizational forms of Islamic banks, corporate governance mechanism, and their effects on organizational behavior, specifically related to managerial expense preferences. The paper opted for ...This paper examines the organizational forms of Islamic banks, corporate governance mechanism, and their effects on organizational behavior, specifically related to managerial expense preferences. The paper opted for an ordinary least square （OLS） cluster regression and followed by a stochastic frontier approach test as a robustness test. Findings of this study indicate that organizational forms of Islamic banks influence managerial expense preferences. A stochastic frontier approach test supports the initial findings and reveals that the average noninterest cost inefficiency of Islamic banks without Shari＇ah Boards is 23% compared to commercial banks. Islamic banks with Shari＇ah Boards are, on average, 28% less noninterest cost inefficient compared to Islamic banks without Shari＇ah Boards, and are on average, 16% less noninterest cost inefficient compared to commercial banks. Shari＇ah Supervisory Boards＇ positive implications for Islamic banks are independent of the expectations of the governing structure or ownership. Specifically when looking at Islamic banks with Shari＇ah Supervisory Boards, managerial propensity to engage in self-serving behavior is reduced. This paper fulfils an identified need to understand how the distinct nature of Islamic banks organizational forms and governance impact managerial behaviour.展开更多
文摘In this paper, the authors analyze the impact of the specific ownership structure of the banking sector in Czech and Slovakia on the performance and applied strategies of particular banks during times of crisis. Did the multinational banks pursue a coherent regional strategy to cope with the risks resulting from the crisis, or did they focus on finding local solutions？ The aim of this paper is to find answers to these questions. A case study is going to be used as a basic research method. Two members （Slovak and Czech） of four multinational banking groups are examined in the crisis year 2009, whereby both a qualitative analysis of the annual reports regarding strategic business or risk management decisions and a comparative quantitative analysis of selected financial data and risk indicators are employed. The authors have found that Czech and Slovak banks generally tried to follow the main strategic directions given by their parent banks during the financial crisis. However, particular financial results and risk profiles of respective subsidiaries of multinational banks still differ because of market factors specific to the different countries in which the subsidiaries are located.
文摘This paper proposes to present an overview of determining factors of the granting of loan to Small and Medium Size Enterprises(SMSE)by the subsidiaries of multinational banks in Cameroon.The analysis of the data collected following interviews with banking employees conducted in accordance with the method of thematic content analysis reveals that two categories of factors play a major role in the decision of the banker:parameters relating to the characteristics of the SMSE applying for a loan and elements specific to the context of study.The combination of these factors contributes to the reinforcement of the already transactional attitude of these subsidiary banks in the area of experimentation of the study.
文摘This paper examines the organizational forms of Islamic banks, corporate governance mechanism, and their effects on organizational behavior, specifically related to managerial expense preferences. The paper opted for an ordinary least square （OLS） cluster regression and followed by a stochastic frontier approach test as a robustness test. Findings of this study indicate that organizational forms of Islamic banks influence managerial expense preferences. A stochastic frontier approach test supports the initial findings and reveals that the average noninterest cost inefficiency of Islamic banks without Shari＇ah Boards is 23% compared to commercial banks. Islamic banks with Shari＇ah Boards are, on average, 28% less noninterest cost inefficient compared to Islamic banks without Shari＇ah Boards, and are on average, 16% less noninterest cost inefficient compared to commercial banks. Shari＇ah Supervisory Boards＇ positive implications for Islamic banks are independent of the expectations of the governing structure or ownership. Specifically when looking at Islamic banks with Shari＇ah Supervisory Boards, managerial propensity to engage in self-serving behavior is reduced. This paper fulfils an identified need to understand how the distinct nature of Islamic banks organizational forms and governance impact managerial behaviour.
