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Documentary collections as a method of payment in international sale transactions

African Banking Corporation of Botswana v Kariba Furniture Manufacturers & Others (228/2014) [2015] ZASCA 69 (20 May 2015) : a discussion of the meaning of the term “binding offer” in terms of section 153(1)(b)(ii) of the Companies Act

Estimation of loss given default for sovereign exposures

  • Authors: Breedt, Dirk Bezuidenhout
  • Date: 2016
  • Subjects: Banks and banking , Financial risk management , Global Financial Crisis, 2008-2009
  • Language: English
  • Type: Masters (Thesis)
  • Identifier: http://hdl.handle.net/10210/493202 , uj:45073
  • Description: Abstract: The global financial crisis of 2007-2009 illustrated the dependence of the overall stability of financial system and economy on the health of banks. Since banking is inherently risky, the ability to manage risk and associated exposures to losses plays an important role in the health of these banks. The financial crisis highlighted the shortcomings in risk management at banks which arguably contributed to the severity of the recession through the large losses resulting from the riskiness of loans and other investments... , M.Com. (Financial Economics)
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Knowledge sharing tools for a banking institution

  • Authors: Shezi, Guyborn Njabulo
  • Date: 2016
  • Subjects: Knowledge management , Information services , Banks and banking
  • Language: English
  • Type: Masters (Thesis)
  • Identifier: http://hdl.handle.net/10210/237854 , uj:24378
  • Description: M.Com. (Business Management) , Abstract: Banking institutions operate in a sector driven by knowledge as an essential commodity for attaining and retaining a competitive advantage in a highly competitive knowledge economy. This economy is characterised by constant disruptions. Knowledge creation and sharing are essential activities that share a dichotomous relationship needed in shaping the competitive edge of modern banking institutions. Modern business is often characterised by organisational restructurings that bring about a plethora of positive and negative consequences to operations, people and knowledge flow in an organisation. Managing the sharing of knowledge through employing relevant, useful knowledge sharing tools during periods of major restructuring and post restructuring poses a challenge to management. Management may not always have high levels of awareness of the importance of ensuring that knowledge sharing survives major organisational restructuring. Management has to ensure that knowledge sharing continues to play its pivotal role in accelerating the company’s journey of recovery from chaos and moving towards normality and high business performance. The journey of one company, a banking institution, was the focus of this study. A case study was done on the use of knowledge sharing tools in helping a banking institution thrive under different business conditions viz. a period of major restructure and a period that follows a major restructure. The purpose of the study was to make a contribution to modern literature on business management by elevating the essentiality of applying knowledge management by promoting knowledge sharing in a normal business operating climate as well as under turbulent conditions. The empirical study involved interviewing employees at a major banking institution with the aim of gaining insights in the essential variables that must be taken into account when managing knowledge sharing within a banking institution. A questionnaire was used to gather data for an analysis of multiple knowledge sharing tools for their perceived usefulness in fostering knowledge under different business conditions. Though this study was not based on generational theory, it became necessary to understand a generational view on how the various knowledge sharing tools are used in the workplace. The case study participants included employees falling within the baby boomer, generation X and generation Y categories...
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African Banking Corporation of Botswana v Kariba Furniture Manufacturers (Pty) Ltd and others 2015 (5) SA 192 (SCA): a critical analysis of the interpretational glitches of the terms “binding offer” and “reasonable prospect”

Knowledge-mapping of blockchain technology applications for a banking institution

  • Authors: Sewpersadh, Natisha
  • Date: 2019
  • Subjects: Blockchains (Databases) , Banks and banking , Bitcoin , Internet of things
  • Language: English
  • Type: Masters (Thesis)
  • Identifier: http://hdl.handle.net/10210/403012 , uj:33752
  • Description: Abstract : Blockchain technology is a relatively new technology which provides many opportunities for knowledge-mapping. Blockchain technology is best described as a decentralised ledger system that stores information about transactions and uses digital currencies such as Bitcoin. The best possible utilisation of a new technology usually depends on how quickly people can develop and apply new knowledge of the technology. Knowledge is a key component to leverage the most useful features of any new technology. Moreover, it is crucial to know how to avoid the pitfalls of a new technology in order to develop solutions. This study’s unit of analysis is knowledge of blockchain technology, that is, the knowledge possessed by people operating in the banking industry. The banking industry is sternly regulated in all jurisdictions and employee know-how is a valuable resource. The recent wide dissemination of blockchain technology, the popularity of cryptocurrencies, and the Initial Coin Offering have contributed to the fact that financial institutions’ management underline the vast potential of blockchain technology in the financial industry. For example, large banks are conducting tests of decentralised asset technology and implementing decentralised ledger systems in business processes. Banks are investing in projects and start-ups that are developing blockchain-based solutions. Therefore, bank employees with know-how and prior experience with blockchain are essential to create blockchain solutions. The objective of this study is to map the existing know-how and identify knowledge gaps of blockchain technology know-how and its possible application in a South African Banking Institution (SABI). This is done through an analysis of knowledge of how the utilisation of blockchain technology changes the existing operations models of financial institutions. The research methodology consists of an inductive knowledge-mapping strategy and mixed-method approach. The quantitative data collection method involved gathering data via an online questionnaire sent to a purposive sample, namely, SABI’s clients, investors, experts, and individuals with the common denominator: Blockchain technology knowledge interest who had attended the Blockchain Africa Conference. The qualitative data collection method was an interview with individuals who had a specific technical knowledge of blockchain technology, with the common denominator: SABI blockchain knowledge group. iv The data analysis was sequential; the quantitative data analysis was followed by qualitative data analysis. The findings identify categories of knowledge that are needed to inform and build new blockchain technology-based operations models. Knowledge gaps were identified in the SABI. Based on the findings, the study conceptualises a knowledge map and develops a theory, namely: If the blockchain knowledge maps of financial institutions integrate knowledge across their Core Banking Application pillars, then the financial services industry will create an Internet of Value-Exchange advantage for everyone on the network. Further study is required in order to test this theory. A key recommendation is to perform knowledge-mapping of the Core Banking Application pillars as the next step of SABI’s knowledge maturity of blockchain technology. In conclusion, knowledge maturity of blockchain technology is essential to create an Internet of Value-Exchange advantage for everyone within the network. The mapping of knowledge provides a measurement of knowledge maturity. Blockchain technology provides many opportunities for knowledge-mapping. , M.Phil. (Information Management)
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Effect of credit rating announcements on the banking industry of emerging markets

  • Authors: Harilal, Krishna Das
  • Date: 2020
  • Subjects: Credit ratings , Banks and banking
  • Language: English
  • Type: Masters (Thesis)
  • Identifier: http://hdl.handle.net/10210/478352 , uj:43229
  • Description: Abstract: Banks provide several benefits that contribute to the growth of an emerging market economy, such as collecting savings from various sources and enabling borrowers to borrow these funds and invest in profitable sectors (De Ferro, 2013). Banks contribute to the growth of essential sectors of the economy and thereby influence a country's economy. Before making investment decisions, investors use credit ratings to determine the risk of investing in a specific country. This study aimed to define the extent to which sovereign credit rating (SCR) announcements influence the behaviour of bank share prices in the BRICS countries (Brazil, Russia, India, China and South Africa), which are emerging market countries. A quantitative research methodology was used to analyse data from January 2010 to December 2017 using an experimental research design. The data was collected from Bloomberg. The investigation carried out was an event study using the daily share price of banks, and the All Share Total Return Index of each country as the benchmark proxy, to determine whether abnormal returns (ARs) exist following an SCR announcement... , M.Com. (Investment Management)
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Managing economic transformation and organisational change in the banking industry

  • Authors: Geduld, Earl
  • Date: 2020
  • Subjects: Economic development , Organizational change , Banks and banking
  • Language: English
  • Type: Masters (Thesis)
  • Identifier: http://hdl.handle.net/10210/451354 , uj:39767
  • Description: Abstract: Economic transformation is a fundamental principle and important tool in addressing the socio-economic challenges facing South African society. The banking industry, as an integral player in creating the diverse disparities in the country and society, is also an integral player to address these serious anomalies. The industry, with its influential financial and commercial advantage, has a key role in empowering and enabling individuals and communities to social and economic growth. However, efforts to transform the banking industry to support the greater economic transformation of society and the country as a whole, have proven to be lack-lustre and dismal at best. The aim of the study was to identify challenges experienced by banking industry in meeting its transformation objectives to support socio-economic development, and to propose a strategic framework to the industry to address the challenges encountered. A qualitative study was conducted to gain deeper understanding of the issues relating to the study topic and objectives. A purposive non-probability sampling technique was used to select a sample of 13 participants who were directly and indirectly involved in the banking industry. These participants included 8 middle managers from 6 different banks, as well as 5 participants at a senior management level in the finance ministry and National Treasury, the South African Revenue Service, the Ministry for Public Enterprise, the Ministry for Co-operative Governance, and the Banking Association of South Africa. Data was collected from the participants using semi-structured focus group interviews and semi-structured face-to-face interviews respectively. The interviews were recorded and transcribed as permitted by all participants. Data was subsequently analysed using qualitative content analysis... , M.Com. (Business Management)
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The role of big data in decision making in a South African bank

  • Authors: Waide, Eniola Abiola
  • Date: 2020
  • Subjects: Big data , Strategic planning , Banks and banking
  • Language: English
  • Type: Masters (Thesis)
  • Identifier: http://hdl.handle.net/10210/475100 , uj:42846
  • Description: Abstract: In recent years, data has been gradually recognised as an integral part of forming a business strategy, with some business leaders labelling it as the fourth factor of production, as essential as land, labour and capital. In the evolving business landscape, organisations are faced with the challenge of maintaining a competitive advantage, keeping up with the speed of change, mitigating the risks of regulatory fines, identifying new business opportunities, and remaining highly profitable. The decision-makers in these organisations should, additionally, be utilising big data to make good business decisions... , M.Com. (Business Management)
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