Banking Sector
Falguni Kesaria
222087
Work-life Balance
Sania Khan, et al states that the increasing job pressure on employee deals with many circumstances epically with women who have faced the difficulties with their work life balance (WLB) and personal life (PL) .The study of women of Larkana city, Pakistan .According to a survey the women life is divided as professional and personal life which include professional as a long working hours, packages, workload pressure, and where as personal life include children care, spouse corporation, and other responsibilities. As this issue of larkana’s banking sector was facing a major problem so they would introduce a new policies for working women’s to improve their conditions of both WLB and PL.
Portuguese banking sector
Magalhães, Carla Marisa, et al stays that this study is the analysis of feeling of loneliness in leadership in the Portuguese banking sector seeking to identify the different variables which includes age, gender, qualification, working hours, positions, which motivates the decision making of a leader .the loneliness in leadership in the Portuguesa studies that the gains even more strength when they face a circumstances in the pandemics which caused a greater isolation in a general way according to a leadership a leader is a motivator to a individual who can change a career, values, beliefs, behaviour and can change a ones attitude. For the banking sector, this study is of considerable relevance, as there is no knowledge of other studies that have been dedicated to this theme in this sector, particularly in the Portuguese context. Another practical contribution is to understand that it is necessary to analyse the relationship between loneliness and leadership by sector, as this study suggests that the results may be specific to the banking sector, as some of them contradict the literature regarding studies carried out in other sectors of the economy.
Baking sector of Germany
Khan, Naveed Ahmad, et al states that the relationship between employee performance measures, training, and the labour market in the banking sector of Germany. While I don’t have access to specific research articles beyond my knowledge cut-off of September 2021, I can provide you with a general understanding of how training and the lab or market can influence employee performance measures in the banking sector.
CRM (CUSTORMER RELATIONSHIP MANAGEMENT)
CHATURVEDI, et al States that current environment of increased competition, technological innovations and empowered clients; “Customer Relationship Management” has become unavoidable for the growth and the profitability of the banks. CRM methods are used to gain better understanding of customers in order to design products, segment them, target them appropriately, manage campaigns, and to maintain long-term lucrative and mutually beneficial relationships. ‘Relationship Marketing’ and ‘Technology’ are the two key issues that are the focus of evolving practices and policy in the current Indian banking scenario. These refer to the transformative influence of technology on banking services and procedures. Due to the near-commoditization of banking services, ‘Relationship Marketing’ is seen as the only distinguishing feature. Client interaction and satisfaction can be greatly improved using banking CRM software. In today’s society, customers want to be catered to and cared for. CRM may help banks achieve that goal by allowing them to take the customer interactions to the next level. Despite the fact that all Indian banks understand and apply Relationship Marketing techniques such as optimizing and maintaining customer connections across diverse customer categories, technology-enabled CRM is still in its infancy. Different banks are at various phases of CRM adoption and implementation, with the majority of them still in the early stages. Operational CRM is the most common, but collaborative CRM is most visible in internet banking, mobile banking, ATM features, POS devices, and in the services like pass book printing machines that allow customers to update their passbooks themselves. SMS alerts are also becoming more popular for several crucial customer service events. Although analytical CRM is used by some banks, it is not used by all. How well a bank collects, organizes, and uses client data determines how well it can recognize customer needs, segment customers, and construct accurate customer profiles. Banks must recognize the types of data they require, collect it properly, store it securely, keep it up to date, and utilize it proactively to cross sell, improve customer experience, and deepen relationships. Data availability is no longer a problem; banks now have access to a wealth of client data; yet, the challenge remains in turning this knowledge into a competitive advantage. This means CRM must bridge the gap between data and customer insights, allowing profitable customer relationships to flourish across. It emphasizes the importance of training at all levels, as well as cooperation and communication between departments.
Ghanaian Banking
Senanu et al, states that Banking sector reforms can have a significant impact on customer switching intentions, as customers may become dissatisfied with their current bank and look for alternative options. In the Ghanaian banking industry, there have been a number of reforms in recent years, including the implementation of new regulations and the consolidation of the industry through mergers and acquisitions.
Research on customer switching intentions in the Ghanaian banking industry has found that these reforms have had a significant impact on customer behavior. For example, a study published in the International Journal of Bank Marketing found that the consolidation of the industry through mergers and acquisitions had led to increased customer switching
intentions. Customers who were unhappy with the changes resulting from the mergers and acquisitions were more likely to switch.
Ethical Banking
Guzmán et al, states that Ethical banking in Spain refers to a banking model that prioritizes social and environmental responsibility, transparency, and ethical practices. This model is often contrasted with conventional banking, which is seen as prioritizing profit over social and environmental considerations. Research on ethical banking in Spain has explored whether there is an organizational identity that distinguishes ethical banks from conventional banks. One study published in the Journal of Business Ethics found that ethical banks in Spain do have a distinct organizational identity, which is based on their values, practices, and relationships with stakeholders. The study found that ethical banks in Spain prioritize social and environmental responsibility, transparency, and ethical practices. They also tend to have more participatory decision-making processes and stronger relationships with their customers and communities. These values and practices are reflected in the way that ethical banks communicate with their stakeholders, both internally and externally. Overall, the study suggests that ethical banks in Spain do have a distinct organizational identity that sets them apart from conventional banks. This identity is based on their values, practices, and relationships with stakeholders, and is reflected in the way that they communicate with their stakeholders.
Economies
Saliba et al, states that Country risk refers to the potential political, economic, and social risks associated with investing in a particular country. These risks can have an impact on the banking sector, as they can affect the creditworthiness of borrowers and the likelihood of loan defaults. Non-performing loans (NPLs) are loans that are in default or at risk of default, and they are a key indicator of the health of the banking sector. Research on the impact of country risk on NPLs in BRICS emerging economies has found that there is a significant relationship between the two. For example, a study published in the International Journal of Emerging Markets found that country risk, as measured by the sovereign credit rating, was a significant predictor of NPLs in the banking sector in BRICS countries. The study found that higher country risk was associated with higher NPL ratios in the banking sector. This was particularly true in countries where the banking sector was dominated by state-owned banks, as these banks may be more exposed to political and economic risks.
Indian Banking
Chauduary et al, states that the banking sector in India is highly competitive, and banks need to develop effective marketing strategies in order to attract and retain customers. Research on practitioners’ perspectives on marketing strategies in the Indian banking sector has identified a number of key factors that are important for strategy formulation. One study published in the International Journal of Bank Marketing developed a framework for strategy formulation in the Indian banking sector, based on interviews with marketing practitioners. Overall, this framework can provide a useful starting point for banks in the Indian banking sector to develop effective marketing strategies. By focusing on these key factors, banks can develop marketing strategies that are tailored to their specific customer needs and preferences, and that help them to differentiate themselves from competitors in the market.
Credit Risk
Kanazir et al, states that Credit risk cyclicality refers to the tendency for credit risk to increase during economic downturns and decrease during economic upturns. Research on credit risk cyclicality in the Serbian banking sector has found that this phenomenon is present in the country, and that it can have significant implications for banks’ risk management practices. One study published in the Journal of Central Banking Theory and Practice examined the cyclicality of credit risk in the Serbian banking sector between 2008 and 2017. The study found that credit risk was strongly procyclical, meaning that it increased during economic downturns and decreased during economic upturns.The study also found that the procyclicality of credit risk was more pronounced for larger banks, banks with higher levels of non-performing loans, and banks with higher levels of foreign ownership. This suggests that these factors can exacerbate the effects of economic cycles on credit risk in the Serbian banking sector.
Islamic Banking
Mai et al states that, Efficiency is an important indicator of the performance of the banking sector. In the case of Islamic banking, efficiency can be particularly important due to the unique features of this sector, such as profit and loss sharing arrangements and restrictions on interest-based transactions. Research on the efficiency of the Islamic banking sector has used various analytical methods, including two-stage data envelopment analysis (DEA) double frontiers analysis. One study published in the Journal of Business Research used two-stage DEA double frontiers analysis to evaluate the efficiency of the Islamic banking sector. The study analyzed data from 25 Islamic banks operating in 12 countries over the period from 2007 to 2016. The first stage of the analysis involved measuring the technical efficiency of the banks, based on their inputs (such as labour and capital) and outputs (such as deposits and loans). The second stage of the analysis involved measuring the scale efficiency of the banks, based on their ability to optimize their size and operations.
References
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CHOUDHURY, A. P. et al. Practitioners’ perspectives on the marketing strategies in Indian banking sector: a framework for strategy formulation. Journal of Financial Services Marketing, [s. l.], v. 28, n. 1, p. 146–177, 2023. DOI 10.1057/s41264-022-00142-3. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=acfaed95-c25a-38f4-b02e-6b5b830ff8d4. Acesso em: 12 maio. 2023.
GUZMÁN, C.; SAVALL, T.; SOLÓRZANO-GARCÍA, M. Ethical Banking in Spain: Does an Organisational Identity Exist That Distinguishes It from Conventional Banking? Journal of Social Entrepreneurship, [s. l.], v. 14, n. 1, p. 1–28, 2023. DOI 10.1080/19420676.2020.1821752. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=b7de520b-effa-31f4-b5be-e50fb6182756. Acesso em: 12 maio. 2023.
KANAZIR, S. D. Credit risk cyclicality in Serbian banking sector. Applied Economics, [s. l.], v. 55, n. 22, p. 2505–2520, 2023. DOI 10.1080/00036846.2022.2103083. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=1dcbd125-dd95-3bb8-9273-da3b3c2e5a65. Acesso em: 12 maio. 2023.
KHAN, N. A. et al. Employee Performance Measures Appraised by Training and Labor Market: Evidence from the Banking Sector of Germany. Administrative Sciences (2076-3387), [s. l.], v. 12, n. 4, p. 143, 2022. DOI 10.3390/admsci12040143. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=ee4ca50a-34aa-3a82-9a52-4a02c2acc25b. Acesso em: 12 maio. 2023.
Khan, Sani ;Thomas, George; Kunbhar, Bisharat Ali ;Mohamed, Noha Hamdy Mostafa. Impact of Work–Life Balance on Working Women in the Banking Sector. Administrative Sciences (2076-3387), [s. l.], v. 13, n. 1, p. 7, 2023. DOI 10.3390/admsci13010007. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=ab97600e-e673-3356-968a-ff9bd19142e1. Acesso em: 9 maio. 2023.
MAGALHÃES, C. M.; MACHADO, C. F.; NUNES, C. P. Loneliness in Leadership: A Study Applied to the Portuguese Banking Sector. Administrative Sciences (2076-3387), [s. l.], v. 12, n. 4, p. 130, 2022. DOI 10.3390/admsci12040130. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=88964319-ab35-3dd3-a578-ed23fd0a6d86. Acesso em: 12 maio. 2023.
MAI, X. T. T. et al. Efficiency of the Islamic Banking Sector: Evidence from Two-Stage DEA Double Frontiers Analysis. International Journal of Financial Studies, [s. l.], v. 11, n. 1, p. 32, 2023. DOI 10.3390/ijfs11010032. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=41d98088-5388-3d72-b6f1-06b588880ca6. Acesso em: 12 maio. 2023.
SALIBA, C.; FARMANESH, P.; ATHARI, S. A. Does country risk impact the banking sectors’ non-performing loans? Evidence from BRICS emerging economies. Financial Innovation, [s. l.], v. 9, n. 1, p. 1–30, 2023. DOI 10.1186/s40854-023-00494-2. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=2aae56f8-93ff-30e2-ab20-278ee727b4e1. Acesso em: 12 maio. 2023.
SENANU, B.; NARTEH, B. Banking sector reforms and customer switching intentions: evidence from the Ghanaian banking industry. Journal of Financial Services Marketing, [s. l.], v. 28, n. 1, p. 15–29, 2023. DOI 10.1057/s41264-021-00135-8. Disponível em: https://discovery.ebsco.com/linkprocessor/plink?id=2f70816d-bf43-3730-9824-c6d62e590ef4. Acesso em: 12 maio. 2023.