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Profitability and Bank De-branching in the Digital Age: Evidence from Russian Regions
HSE University
,
2022.
No. WP BRP 90/FE/2022.
Bank de-branching is one of the key trends in banking sectors all over the world. This paper
explores the conditions in which de-branching brings more profits to the bank. This issue is
attracting considerable interest due to recent technological developments and increasing
competition, including from fintech companies. Using the data from 84 Russian regions over the
period of 2010–2020, we test whether the adoption of internet technologies and financial digital
literacy (FDL) are positively related to bank de-branching and whether they add to bank de-
branching efficiency in terms of bank profitability. We show that a higher degree of adoption of
technological innovation and higher levels of FDL are positively related to bank de-branching.
Furthermore, we observe that banks closing their branches in regions exhibiting higher levels of
internet development and FDL gain more profits from de-branching. The results are robust to
various model specifications.
Bondarchuk P. K., Управление в кредитной организации 2008 № 5 С. 88-105
В предыдущем номере были рассмотрены содержание, принципы и задачи управления операционным риском в коммерческом банке. В этом номере речь пойдет о классификации факторов данного риска по категориям (типам) и источникам, о способах и методах работы по выполнению задач управления операционным риском. ...
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Schoors K., Fungáčová Z., Solanko L. et al., / Bank of Finland, Institute for Economies in Transition. Series 8/2020 "BOFIT Discussion Papers 8/2020 ". 2020.
State-owned banks tend to increase lending before elections for the purpose of boosting the reelection odds of incumbent politicians. We employ monthly data on individual banks to study whether Russian banks increased their lending before presidential elections during 2004–2019, a period covering four presidential elections. In contrast to the literature, we find that both state-owned ...
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Davydov V., Халилова М. Х., Финансы и кредит 2016 № 31(703) С. 2-14
Subject The article considers the classification of methods to settle toxic assets and select the best option in a particular situation. Objectives The goal of the research is to streamline standard methods and tools to settle bad debts of credit institutions. Methods The study employs methods of theoretical learning, logic and comparative analysis. Results We ...
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Yurik M., Калугина С. А., Путеводитель предпринимателя 2015 № 26 С. 160-167
This article is devoted to studying of processes of interaction between banks and insurance companies in the process of selling their services within bancassurance system ...
Added: March 11, 2015
Khon O. D., Известия Санкт-Петербургского государственного экономического университета 2013 № 3 С. 133-136
The article deals with corporate loans: securities lending, mortgage and pledge of movables. Analyzes the constructive questions of corporate loans. ...
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Prosvirkina E. Y., Российское предпринимательство 2014 № 1(247) С. 70-77
В данной статье рассматриваются ключевые теоретические подходы к оценке производительности в банковском секторе. Оценка производительности в банках, оперирующих на российском рынке, проведена с помощью двух наиболее часто используемых подходов, в частности расчета отношения чистой прибыли к численности персонала и отношения административных расходов к операционным доходам. Выборка исследования состоит из двух-сот банков. Данные исследования базируются на ...
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Rasskazova A. N., Управленческое консультирование 2013 № 7 С. 58-65
In this paper we define the elements of the Russian banking system of management by the level of its development in the post-Soviet period. Identify the characteristics of the evolution of the structure of planning the bank's cooperation with corporate clients. A mechanism that allows you to explore those aspects of the problem, which is ...
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Yasnitsky L., Иванов Д. В., Липатова Е. В., Бизнес-информатика 2014 № 3 С. 49-56
Object of this research is the Russian banking system. The work purpose – creation of the comput-er program of an assessment of probability of bankruptcies of banks because of revocation of li-cense of banks and use of this system as mathematical model for detection of some regularities of the Russian bank sphere. The instrument of ...
Added: March 2, 2015
Rozanova N. M., М. : Либроком, 2013
Инновационное учебное пособие в образовательной области «Экономика» знакомит студентов с разнообразными сторонами деятельности главных агентов современной экономики - фирмы и банка, начиная от выбора цели их деятельности и найма работников и до выявления источников финансирования расходов и определения места фирмы и банка в экономике. Как выбрать сферу деятельности, чтобы она приносила прибыль; как подобрать подходящих ...
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Malakhov D., Риск-менеджмент в кредитной организации 2015 № 4(20) С. 72-88
The structure of banking industry is highly connected with risks of defaults (Acemoglu, Ozdaglar, Tahbaz-Salehi (2015)). Thus, unexpected and abrupt changes of distributions of banking assets, credits as well as deposits can be good predictors for crisis events in the banking industry. This paper considers the structure of Russian banking industry. The industry structure has ...
Added: October 16, 2015
Penikas H. I., Анохина М. В., Банковское дело 2014 Т. 10 С. 82-91
The increased role of financial institutions in the economy leads to a need to determine those that are systemically important. The bankruptcy of such institutions creates negative effects for the economy on the global scale. The aim of this article is to identify important financial coefficients that can be used in the methodology of identification ...
Added: November 21, 2014
Yusupova O., Финансовая аналитика: проблемы и решения 2016 № 10 (292) С. 54-66
Importance Considering a decrease in real income of the population, business profitability and increase in non-performing loans, it is very reasonable to address issues of effective handling bad debts. Objectives The research outlines a model for handling non-performing loans in the commercial bank during the crisis. Methods I analyzed overdue loan balance in the national ...
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Balkovskaya D., Filneva L., International Journal of Business Excellence 2016 Vol. 9 No. 1 P. 48-67
In this study, we employ ‘step-by-step’ algorithm for constructing a strategy map of the balanced scorecard (BSC) for banking institutions using the example of one of the Russian regional banks. The key evaluation indicators of banking performance are selected through the relevant literature analysis while considering the peculiarities of a sample bank. Further, the decision ...
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Yurik M., Журнал Новой экономической ассоциации 2015
The subject of the article is the study of interaction processes between banks and insurance companies within bancassurance system. The author shows the actuality of bancassurance theme for development of financial sector of Russia’s economy – banking and insurance. The author is describing the features of the bancassurance as a business model an also the ...
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Penikas H. I., Andrievskaya I. K., Model Assisted Statistics and Applications 2012 Vol. 7 No. 4 P. 267-280
According to the strategy of the banking system development until 2015, the Central Bank of Russia is going to implement Basel II Internal-Ratings-Based (IRB) approaches in 2015, while Basel III is planned to be introduced in full starting from 2019. Taking into account the effects of the Basel II regulation during the crisis 2008-2009, in ...
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Malakhov D., Pilnik N., Radionov S., Экономический журнал Высшей школы экономики 2015 Т. 19 № 4 С. 395-422
The issue about relevancy of usage of concepts of representative and aggregate agents in modern economic science is very actual. The theoretical model [Malakhov, Pospelov, 2014] showed that the distribution of banks on proportions of assets is stable over time. If this result is correct for real data, then it will be another argument to ...
Added: October 16, 2015
Yurik M., Актуальные проблемы современности 2015 № 2(8) С. 162-168
Дается обзор понятий термина «bancassurance», а также предлагается собственное определение с учетом мирового опыта. Систематизирован и обобщен материал, касающийся видов ресурсов банка и страховой компании в рамках взаимодействия по схеме «bancassurance». Рассматриваются возможные формы сотрудничества банка и страховой компании и дается анализ этих форм. Описываются основные виды банковско-страховых продуктов. ...
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Berzon N. I., Abramov A., Buyanova E. A., М. : Academia, 2011
Практикум по финансовому менеджменту предназначен для закрепления учащимися теоретических знаний, полученных при изучении курса «Финансовый менеджмент». Данное учебное пособие базируется на учебнике «Финансовый менеджмент» под редакцией профессора Берзона Н.И., изданного издательством «Академия» в 2011г. Практикум содержит более 300 тестов и задач по основным направлениям теории финансов и финансового менеджмента, которые позволяют освоить как теоретические, так ...
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Bondarchuk P. K., Управление в кредитной организации 2008 № 4 С. 93-99
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Iakimenko I., Semenova M., Zimin E., / HSE University. Series WP BRP "HSE University Series: Financial Economics ". 2021. No. WP BRP 85/FE/2021.
Correctly estimating borrower credit risk is a task of particular and growing importance for banks all around the globe. Formal information sharing mechanisms are aimed to reduce information asymmetry in the credit markets and to enhance the precision of those estimates. In the literature, however, whether more, and more detailed, borrower information shared by credit ...
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Ayvazyan S. A., Andrievskaya I. K., Penikas H. I. et al., Review of Applied Socio-Economic Research 2011 Vol. 1 No. 1 P. 70-80
The world financial crisis of 2008-2009 has shown that the existence of systemically important financial institutions (SIFIs) poses serious policy challenges to both developed and developing economies’ authorities. As for now there are different approaches to identifying SIFIs focused on contagion, concentration, correlation and conditions effects. The paper aims at testing a new approach to ...
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Prosvirkina E. Y., Просвиркин Н. Ю., Управленец 2017 № 2 С. 36-46
The article looks at corporate values in the Russian banking sector and evaluates the correlation between them and net profit of banks. To collect data necessary for the research, the authors checked official websites, codes of ethics, codes of corporate behaviour, press releases and public statements of senior executives of 50 largest banks in Russia. ...
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Volkova O. N., Львова И. В., Экономическая политика 2016 Т. 11 № 1 С. 177-195
This paper presents results of an empirical study which explores Russian banks’ ratings by the econometric modeling method. The nexus was examined between ratings assigned by Moody’s, S&P and Fitch agencies in 2010-2013 years and banks’ financial indicators. Several hypotheses concerning the most promising ways to influence bank rating are tested. According to the research, ...
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Teplova T., Демидов П. А., Корпоративные финансы 2017 Т. 11 № 3 С. 59-78
The analysis of financial reporting for banks is of great interest for risk assessment and for understanding the potential
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