Linking profits to asset-liability management of domestic and foreign banks in the UK

This paper employs the statistical cost accounting method on a sample of 36 domestic and 44 foreign banks operating in the UK over the period 1996-2002 to examine the relationship between profits and asset-liability composition. The sample was initially split into high and low profit banks by comparing their operating profit with the industry average. The results show that high profit banks experience considerably lower cost of liabilities for most sources of funding, which can cover any losses from the lower rate of return on assets that they experience compared to their lower profit competitors. The sample was then split into domestic and foreign banks. The operating profit that domestic banks experience appeared to be generated by the loans that they hold on their earning assets portfolio and their fixed assets while the operating profit of foreign banks was generated by all the assets that comprise their portfolios. Turning to liabilities, in both cases customer and short-term funding was found to be more costly than other sources of funding. © 2004 Taylor & Francis Ltd

Investigating success of an e-government initiative: Validation of an integrated IS success model

NoThe purpose of this paper is to examine the success (by measuring intention to use and user satisfaction) of the online public grievance redressal system (OPGRS) from the perspective of the citizens of India. The success of this e-government system is examined using an integrated IS success model. The model developed includes the constructs such as system quality, information quality, service quality, perceived usefulness, perceived ease of use, perceived satisfaction, perceived risk, and behavioral intention. The proposed integrated research model of IS was validated using the response taken from 419 citizens from different cities of India. The empirical outcomes provided the positive significant connections between all 12 hypothesised relationships between eight constructs. The empirical evidence and discussion presented in the study can help the government to improve upon and fully utilise the potential of the OPGRS as a useful tool toward a transparent and corruption free country