Feb'21
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The IUP Bank Management
ISSN: 0972-6918
A 'peer reviewed' journal indexed on Cabell's Directory,
and also distributed by EBSCO and Proquest Database
Management is a quarterly journal that focuses on risk management, forex markets, retail banking, HRD and leadership, banking, supervision, convergence of financial services and E-Banking.
Corporate Strategy and Firm Performance: Case for Multinational Banks in Sub-Saharan Africa
Various studies have empirically examined the effect of corporate strategy on firm performance, but this paper differs in its methodological scope regarding time, geographic, and variable constructs. To achieve external validity of the research findings, this paper uses a more modern estimation procedure-the system Generalized Method of Moments (GMM)-on a panel data (2007-2017) for multinational banks in sub-Saharan Africa. It adopts more relevant corporate strategy constructs for firms with operations in many environments. The paper investigates the role of corporate strategies-geographic diversification, debt and equity financing-on firm's performance as indicated by Return on Assets (ROA). The key question behind this inquiry is: Does it profit a firm to have operations in many countries, or through raising funds from debt or equity financing? Such corporate strategies are expected to have positive returns. The findings show that corporate strategy affects the profitability of multinational banks. Specifically, unlike debt financing strategy, geographical diversification and equity financing positively affect bank's profitability in terms of ROA. The underlying implication for researchers, investors and corporate managers is that corporate decisions regarding where to invest and source of funds should be well planned if banks are to be successful in a multinational environment.
Implications of Slippage, Provisioning and Write-offs on the Profitability of Scheduled Commercial Banks (SCBs): A Comparative Study
Indian banking industry is plagued by continuously increasing Non-Performing Assets (NPAs). Fresh accretion to NPAs is an important reason for its poor performance as it requires higher provisioning and also higher write-offs-both affecting the overall performance adversely. In this backdrop, this paper examines the financial implications of slippage, provisioning and write-offs on the profitability of three groups of Scheduled Commercial Banks (SCBs), viz., public sector banks, private sector banks and branches of foreign banks, in India using their performance statistics from 2007-08 to 2018-19. For analysis and testing the hypotheses, t-test and correlation, besides descriptive statistics, are used. The study finds difference in the influence of three determinants, viz., fresh accretion to NPA, provisioning and write-offs on the profitability of domestic SCBs and branches of foreign banks, and between two groups of domestic SCBs, viz., public sector banks and private sector banks.
The Role of Deposit Guarantee Schemes (DGSs) Within the Crisis Management Framework
The present study undertakes an overview of the role of Deposit Guarantee Schemes (DGSs) within the banking crisis management framework. It first discusses the policy objectives of DGSs, namely protection of depositors and contribution to the stability of the banking system and then their functions (mandates). The study focuses then on DGSs' role within the economic and the financial system and, finally, on the liability of states when establishing DGSs and the problems arising from the operation of DGSs.
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