Download or read book Germany s Three Pillar Banking System written by International Monetary Fund and published by International Monetary Fund. This book was released on 2004-06-21 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: German banks tend to be less profitable than their foreign counterparts. This paper estimates the likely effect of the phaseout of state guarantees for public sector banks, reviews the various ways in which public policy could contribute to their restructuring, and discusses the various arguments for and against public involvement in banking.
Download or read book Banking in China written by V. Cousin and published by Palgrave Macmillan. This book was released on 2011-01-01 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chinese banks have been making headlines recently, but what lies beneath? Banking in China appears different. What explains the current arrangement? What can we expect from such a banking industry in the future? This book answers these two questions in a fully revised second edition and contributes to a new understanding of Chinese banks.
Download or read book Improving Access to Finance for India s Rural Poor written by Priya Basu and published by World Bank Publications. This book was released on 2006-01-01 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation This book examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services, analyzes what lies behind the lack of adequate financial access, and identifies what it would take to improve access to finance.
Download or read book Cooperative Agricultural and Rural Development Banks written by Jaya S. Anand and published by Atlantic Publishers & Dist. This book was released on 1999 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over Nearly Four Decades Of Their Chequered History, Co-Operative Agriculture And Rural Development (Card) Banks Have Been Able To Emerge As An Outstanding Co-Operative Institution, Catering Exclusively To The Investment Credit Needs Of The Rural Areas. The Kerala Card Bank Is Considered To Be The Best Among The Developing Banks Based On Its Outstanding Performance In Terms Of Many Indicators Like The Quantum Of Advances Made, Reserves, Profit, Small Farmer Coverage Etc. It Has Diversified Its Activities So As To Cover And Assist Rural Artisans, Small Scale Industrialists And Has Also Launched The Financing Of Rural Housing.The Study Examines The Role Of The Bank In Meeting The Long Term Credit Requirements Of The Rural Masses In The State. It Has Also Examined The Impact Of Lending, And The Utilisation And Recovery Pattern Of Loan Advanced.The Study Makes A Brilliant Exposition Of All These Issues And Highlights The Real Problem Prevailing At The Beneficiary Level. The Author Has Used Various Statistical Tools To Make The Study Scientific And Accurate. This Book Should Be Of Vital Importance To Policy Makers And Researchers.
Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Download or read book The Basic Analytics of Access to Financial Services written by Thorsten Beck and published by World Bank Publications. This book was released on 2006 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Access to financial services, or rather the lack thereof, is often indiscriminately decried as a problem in many developing countries. The authors argue that the "problem of access" should rather be analyzed by identifying different demand and supply constraints. They use the concept of an access possibilities frontier, drawn for a given set of state variables, to distinguish between cases where a financial system settles below the constrained optimum, cases where this constrained optimum is too low, and-in credit services-cases where the observed outcome is excessively high. They distinguish between payment and savings services and fixed intermediation costs, on the one hand, and lending services and different sources of credit risk, on the other hand. The authors include both supply and demand side frictions that can lead to lower access. The analysis helps identify bankable and banked population, the binding constraint to close the gap between the two, and policies to prudently expand the bankable population. This new conceptual framework can inform the debate on adequate policies to expand access to financial services and can serve as the basis for an informed measurement of access.
Download or read book The Practice of Multinational Banking written by Dara Khambata and published by Greenwood. This book was released on 1986 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: A revised, updated, comprehensive examination of the growth and development of international banking and the role played by large multinational banks in the financial markets. Copyright © Libri GmbH. All rights reserved.
Download or read book Agricultural Finance by Commercial Banks written by Shivaji and published by APH Publishing. This book was released on 2007 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book 'Agricultural Finance by Commercial Banks' is an attempt made by Dr. K. Sivaji, M.Com., M.Phil., Ph.D., to establish the linkage between commercial bank loans and actual requirement by agricultural sectors. Bank finance is an important that the allocation of bank credit must be in accordance with the priorities of the plan. It is recognized that agricultural development pre-supposes a greater flow of inputs as well as institutional and organizational reforms. Agricultural credit is one of the most crucial inputs in all agricultural development programs. New Book
Download or read book Role of Commercial Banks in Rural Development written by Sawalia Bihari Verma and published by . This book was released on 1997-01-01 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: With reference to Muzaffarpur District, India.
Download or read book The Chinese Economy written by Gregory C. Chow and published by World Scientific. This book was released on 1987 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: The main purpose of this book is to apply the basic tools of economic analysis to the economy of the Peoples' Republic of China. It is written for students of economics who would like to understand China, for students of China who would like to understand economics, and for professional economists and lay readers who would like to understand the Chinese economy.The study of the Chinese economy is interesting to economists for several reasons. First, China has a different cultural background and a different set of social and political institutions from the Western countries, in which most of the tools of economic analysis have been developed. It is therefore interesting to see how these tools can be applied to China and how they ought to be further developed or modified in the Chinese context. Second, many drastic changes in economic policy and economic institutions have taken place since the founding of the People's Republic of China. Such important experiments in economics provide rare opportunities to study their results. Third, since the later 1970s much more information on the Chinese economy has become available. It is time for us to digest, to scrutinize, and possibly to help improve the economic data on China.
Download or read book Expanding Access to Financial Services in Malawi written by Kiendel Burritt and published by UN. This book was released on 2006 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report assesses the achievements and challenges for microfinance service delivery in Malawi, with particular attention to rural and agricultural markets. It identifies key elements that influence the development of Malawi's financial system, and provides some recommendations and opportunities for investors, donors, government and private sector entities to support the development of an inclusive financial system.
Download or read book Commercial Banks and Rural Development written by Rama Nand Pandey and published by . This book was released on 1989 with total page 278 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A I D Spring Review of Small Farmer Credit written by United States. Agency for International Development and published by . This book was released on 1973 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Download or read book Beyond Micro credit written by Thomas Fisher and published by Oxfam. This book was released on 2002 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.
Download or read book Rural Banking in Nigeria written by C. Adeniyi Osuntogun and published by Longman Publishing Group. This book was released on 1983 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
