The banks’ response to their changes in leverage ratios is examined and evaluated in this paper. This reaction can be interpreted as if the coefficient of total debts to equity (lev1) and total assets to equity (lev2) are positive as anticipated in the banking network of Iran. The paper uses data from 31 Iranian banks’ annual databases during the course of 2006-13 in order to estimate an empiri...

This paper considers the design and properties of two-channel alias-free finite-impulse response (FIR) filter banks where the analysis filters are optimized by using the peak-constrained least squares (PCLS) optimization criterion. All the alias-free twochannel filter banks proposed in the literature are under consideration. For the proposed PCLS designs, the maximum of the stopband energies of...

Interest income is the most important source of revenue for most of the banks. The aim of this paper is to assess the impact of di erent interest rate scenarios on the banks' interest income. As we do not know the interest rate sensitivity of real banks, we construct for each bank a portfolio with a similar composition of its assets and liabilities, called 'tracking bank'. We evaluate the e ect...

Objectives The recent shift, from merely traditional approach providing only financial services to the new trend implying banks can be considered as business partners meeting their whole financial needs and creating a win-win relationship, in customers’ opinion towards banks has made banks try to apply banking marketing strategies to help attract more customers and respond to their needs. Hence...

We examine the prudential implications of the co-existence between the standardized approach and the internal ratings-based (IRB) approach, as defined in the new Basle Accord. We consider a model in which sophisticated banks, eligible for the IRB approach, and unsophisticated banks, eligible for the standardized approach, allocate their loan portfolio between high-risk and lowrisk borrowers. We...

Financial system of B&H is “bank dominated”, which means that banks (credit institution) is dominated financial institutions in the financial system. Banks have major role in financial intermediation process between deficit and surplus money unites. Having on mind specific features of financial systems in Bosnia and Herzegovina it’s important to analyses characteristics each segment of fi...

Purpose – The aim of the paper is to assess role banks and non-banks in payments from a global perspective using comprehensive approach. considerations are also focused on determinants possible changes this area future.Research method research methods applied study include literature review critical analysis available empirical results field payment intermediation. analy-sis based desk trends o...