The relationship between business model description and financial performance of selected South African banks
- Authors: Mothabine, Thabe
- Date: 2021-10-29
- Subjects: Banks and banking South Africa , Business planning South Africa , Organizational effectiveness South Africa , Banks and banking Econometric models , Rate of return South Africa , International Integrated Reporting Council , CAMELS (Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity) Rating System model
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10962/191876 , vital:45174
- Description:
The aim of this study was to explore the relationship between South Africa’s top seven bank’s business model description and their financial performance. Research has highlighted that there is a relationship between business models and performance, however, a limited amount of studies have provided empirical evidence to this effect. The study followed a deductive approach by firstly assessing and analysing the components of the banks business model according to the IIRC’s International
Framework, and then comparing the components focus of each bank for every year of this study; followed by an assessment, analyses and evaluation of each banks financial performance using the CAMELS Rating System model. Once these analyses were done for both business model description and financial performance, the study attempted to assess if the banks with the richest business model description yielded the best financial performance. The findings revealed that the banks with the richest business model description were not necessarily the best performing banks, in actual fact, these banks had low ratings for their performance, and the banks with the lowest rating for their business model description had the highest financial performance rating. However, other factors contributed to these ratings, such as some banks had low ratings for their business model description due to their business models not following the Framework. Conversely, for a more detailed and an in depth analysis and to distinguish whether there is a relationship between business model description and financial performance, the study applied correlation coefficient by using the business model description scores and financial performance components scores for each bank for the three years. The results revealed that there was a strong positive correlation between 2017 and 2018, and a weak positive correlation in 2019. This meant that indeed there was a relationship between the business model description and the bank’s financial performance. While the limitations of this study have been acknowledged, the study has contributed to the knowledge of understanding the relationship between business models and financial performance in a South African context. However, further research could be conducted on more banks in order to deduct a broader view on the relationship between business model description and financial performance of South African banks. Moreover, it would be of greater significance to conduct the various analyses over a longer period of time, because with a broader scope of data, for a longer period, more conclusive findings could be possible. , Thesis (MBA) -- Faculty of Commerce, Rhodes Business School, 2021 - Full Text:
- Date Issued: 2021-10-29
- Authors: Mothabine, Thabe
- Date: 2021-10-29
- Subjects: Banks and banking South Africa , Business planning South Africa , Organizational effectiveness South Africa , Banks and banking Econometric models , Rate of return South Africa , International Integrated Reporting Council , CAMELS (Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity) Rating System model
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10962/191876 , vital:45174
- Description:
The aim of this study was to explore the relationship between South Africa’s top seven bank’s business model description and their financial performance. Research has highlighted that there is a relationship between business models and performance, however, a limited amount of studies have provided empirical evidence to this effect. The study followed a deductive approach by firstly assessing and analysing the components of the banks business model according to the IIRC’s International
Framework, and then comparing the components focus of each bank for every year of this study; followed by an assessment, analyses and evaluation of each banks financial performance using the CAMELS Rating System model. Once these analyses were done for both business model description and financial performance, the study attempted to assess if the banks with the richest business model description yielded the best financial performance. The findings revealed that the banks with the richest business model description were not necessarily the best performing banks, in actual fact, these banks had low ratings for their performance, and the banks with the lowest rating for their business model description had the highest financial performance rating. However, other factors contributed to these ratings, such as some banks had low ratings for their business model description due to their business models not following the Framework. Conversely, for a more detailed and an in depth analysis and to distinguish whether there is a relationship between business model description and financial performance, the study applied correlation coefficient by using the business model description scores and financial performance components scores for each bank for the three years. The results revealed that there was a strong positive correlation between 2017 and 2018, and a weak positive correlation in 2019. This meant that indeed there was a relationship between the business model description and the bank’s financial performance. While the limitations of this study have been acknowledged, the study has contributed to the knowledge of understanding the relationship between business models and financial performance in a South African context. However, further research could be conducted on more banks in order to deduct a broader view on the relationship between business model description and financial performance of South African banks. Moreover, it would be of greater significance to conduct the various analyses over a longer period of time, because with a broader scope of data, for a longer period, more conclusive findings could be possible. , Thesis (MBA) -- Faculty of Commerce, Rhodes Business School, 2021 - Full Text:
- Date Issued: 2021-10-29
Working inside Bank 4.0: analysing the impact of the 4IR on the organization of work in the banking sector of South Africa
- Authors: Moshime, Kabelo Katlego
- Date: 2021-10-29
- Subjects: Industry 4.0 South Africa , Banks and banking South Africa , Banks and banking Technological innovations South Africa , Organizational change South Africa , Bank employees South Africa , Job security , Labour process theory
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10962/192386 , vital:45221
- Description: The main objective of the study is to analyse the impact of the 4IR on the organization of work processes in the banking sector of Pretoria, South Africa. The Fourth Industrial Revolution (4IR) is an extension of the digital revolution based on the interconnectedness of machinery and cyber- physical systems that intelligently produce and control production. The South African banking sector has not been immune to the changes brought on by the 4IR in other sectors, as many financial institutions in the country have digitized the bulk of their services, in order to make banking quicker and more efficient. Additionally, the latest COVID-19 pandemic has accelerated the emergence of digital solutions and e-commerce across different sectors worldwide, thus showing that 4IR is here to stay. On the surface, the adoption of various technological innovations within the banking sector seems like a logical step towards building a more efficient banking system, with minimal deficiencies and upskilling opportunities for banking employees, thus providing an improved and convenient banking experience for customers. On the other side, however, one can see general trends that may not be in the best interest for people employed within the banking sector. For example: the introduction of new technologies has reduced the number of employees in banks; the skills upgrade that some bankers have experienced as a result of new technologies, have come at the cost of the many job losses in the sector; also, the control methods in the banks have become more centralised, thus ensuring extreme monitoring of staff. Additionally, new technologies have eliminated the spaces for deficiencies, and have given consumers a greater role in their banking experiences, instead of being assisted from a-z in their local branches. In light of these changes, one has to question the real impact of these changes on the people that have chosen banking as a career, as ‘machines’ have taken over their banking institutions. Using the Labour Process Theory (LPT), this study examined the impact of the 4IR processes on the organization of work and the general employment experiences of employees in the banking sector of Tshwane, in the Gauteng province, of South Africa. This study found the following outcomes: technologies facilitate greater monitoring of the workplace, enable flexible specialisation for workers, reduces foot-flow in bank branches, and shifts the bankers’ work into the hands of the customers. , Thesis (MSocSci) -- Faculty of Humanities, Sociology, 2021
- Full Text:
- Date Issued: 2021-10-29
- Authors: Moshime, Kabelo Katlego
- Date: 2021-10-29
- Subjects: Industry 4.0 South Africa , Banks and banking South Africa , Banks and banking Technological innovations South Africa , Organizational change South Africa , Bank employees South Africa , Job security , Labour process theory
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10962/192386 , vital:45221
- Description: The main objective of the study is to analyse the impact of the 4IR on the organization of work processes in the banking sector of Pretoria, South Africa. The Fourth Industrial Revolution (4IR) is an extension of the digital revolution based on the interconnectedness of machinery and cyber- physical systems that intelligently produce and control production. The South African banking sector has not been immune to the changes brought on by the 4IR in other sectors, as many financial institutions in the country have digitized the bulk of their services, in order to make banking quicker and more efficient. Additionally, the latest COVID-19 pandemic has accelerated the emergence of digital solutions and e-commerce across different sectors worldwide, thus showing that 4IR is here to stay. On the surface, the adoption of various technological innovations within the banking sector seems like a logical step towards building a more efficient banking system, with minimal deficiencies and upskilling opportunities for banking employees, thus providing an improved and convenient banking experience for customers. On the other side, however, one can see general trends that may not be in the best interest for people employed within the banking sector. For example: the introduction of new technologies has reduced the number of employees in banks; the skills upgrade that some bankers have experienced as a result of new technologies, have come at the cost of the many job losses in the sector; also, the control methods in the banks have become more centralised, thus ensuring extreme monitoring of staff. Additionally, new technologies have eliminated the spaces for deficiencies, and have given consumers a greater role in their banking experiences, instead of being assisted from a-z in their local branches. In light of these changes, one has to question the real impact of these changes on the people that have chosen banking as a career, as ‘machines’ have taken over their banking institutions. Using the Labour Process Theory (LPT), this study examined the impact of the 4IR processes on the organization of work and the general employment experiences of employees in the banking sector of Tshwane, in the Gauteng province, of South Africa. This study found the following outcomes: technologies facilitate greater monitoring of the workplace, enable flexible specialisation for workers, reduces foot-flow in bank branches, and shifts the bankers’ work into the hands of the customers. , Thesis (MSocSci) -- Faculty of Humanities, Sociology, 2021
- Full Text:
- Date Issued: 2021-10-29
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