The role of organisational culture in fostering work life balance in business and private banking
- Authors: Gabayi, Simiselo Albert
- Date: 2017
- Subjects: Corporate culture -- Finance , Work-life balance , Banks and banking , Quality of work life
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: http://hdl.handle.net/10948/15204 , vital:28178
- Description: The current socio-economic climate has induced stress on organisations and employees, since they are expected to double their efforts with limited resources. Organisational culture poses a challenge to employees, especially in a high-pressure environment. A highly competitive environment demands organisations that have the ability to change constantly to ensure sustainability. This has resulted in employees feeling that organisational culture has changed to that of sales culture with disregard for people resulting in a lack of work-life balance (WLB). This study intends to contribute to developing a framework of how organisational culture could support work-life balance. When negative in nature, organisational culture can impact negatively on organisational performance and quality of work-life causing best workers to leave. The problem identified by this study is a poor organisational culture in banking that may discourage work-life balance practices. When an organisations’ primary focus is on sales and less on people, this leads to work-life imbalances. A comprehensive questionnaire was developed for this study to establish the perception of employees towards organisational culture and work-life as an aspect of employee wellness. The total sample was forty-four (44) respondents who are from business and private banking space of the four major banks. The results showed that the type of organisational culture that is prevalent in business and private banking is a combination of market and hierarchy culture. Job satisfaction is also positively correlated to organisational culture. Management must ensure that the workforce is satisfied in order to create a positive culture. A positive organisational culture has a positive influence on employees, attaining the desired work-life balance in business and private banking space.
- Full Text:
- Date Issued: 2017
- Authors: Gabayi, Simiselo Albert
- Date: 2017
- Subjects: Corporate culture -- Finance , Work-life balance , Banks and banking , Quality of work life
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: http://hdl.handle.net/10948/15204 , vital:28178
- Description: The current socio-economic climate has induced stress on organisations and employees, since they are expected to double their efforts with limited resources. Organisational culture poses a challenge to employees, especially in a high-pressure environment. A highly competitive environment demands organisations that have the ability to change constantly to ensure sustainability. This has resulted in employees feeling that organisational culture has changed to that of sales culture with disregard for people resulting in a lack of work-life balance (WLB). This study intends to contribute to developing a framework of how organisational culture could support work-life balance. When negative in nature, organisational culture can impact negatively on organisational performance and quality of work-life causing best workers to leave. The problem identified by this study is a poor organisational culture in banking that may discourage work-life balance practices. When an organisations’ primary focus is on sales and less on people, this leads to work-life imbalances. A comprehensive questionnaire was developed for this study to establish the perception of employees towards organisational culture and work-life as an aspect of employee wellness. The total sample was forty-four (44) respondents who are from business and private banking space of the four major banks. The results showed that the type of organisational culture that is prevalent in business and private banking is a combination of market and hierarchy culture. Job satisfaction is also positively correlated to organisational culture. Management must ensure that the workforce is satisfied in order to create a positive culture. A positive organisational culture has a positive influence on employees, attaining the desired work-life balance in business and private banking space.
- Full Text:
- Date Issued: 2017
Relationship marketing in retail banks: superannuated concept?
- Authors: Tait, Madele
- Subjects: Relationship marketing , Banks and banking , f-sa
- Language: English
- Type: text , Lectures
- Identifier: http://hdl.handle.net/10948/20923 , vital:29418
- Description: All business is based on relationships. The firm only has to make them meaningful for its customers – provided that the customers want this (Grönroos 1994). Relationship marketing concerns the facilitation and managing of the relationships between the business and its customers and was developed as a response to the realisation that businesses were spending vast resources in time and money to attract new customers but very little on retaining existing ones. Relationship marketing is particularly relevant when a customer has alternative service providers to choose from, when the customer makes the selection decision and when there is an ongoing desire or need for a product or service, such as in the banking industry (Morgan & Hunt 1999).
- Full Text:
- Authors: Tait, Madele
- Subjects: Relationship marketing , Banks and banking , f-sa
- Language: English
- Type: text , Lectures
- Identifier: http://hdl.handle.net/10948/20923 , vital:29418
- Description: All business is based on relationships. The firm only has to make them meaningful for its customers – provided that the customers want this (Grönroos 1994). Relationship marketing concerns the facilitation and managing of the relationships between the business and its customers and was developed as a response to the realisation that businesses were spending vast resources in time and money to attract new customers but very little on retaining existing ones. Relationship marketing is particularly relevant when a customer has alternative service providers to choose from, when the customer makes the selection decision and when there is an ongoing desire or need for a product or service, such as in the banking industry (Morgan & Hunt 1999).
- Full Text:
Psychological empowerment and organisational citizenship behaviour as predictors of intention to stay among employees in the banking sector in Lesotho
- Authors: Domela-Serobanyane, Malinda
- Date: 2020-06
- Subjects: Psychology, Industrial , Organizational behavior , Banks and banking
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/20263 , vital:45640
- Description: This study investigated the association between psychological empowerment and organisational citizenship behaviour, on the one hand, and intention to stay among employees in the banking sector in Lesotho. A few studies have investigated the relationship between intention to stay and the two independent variables of psychological empowerment and organisational citizenship behaviour individually. However, no study has investigated the relationship between intention to stay and psychological empowerment and organisational citizenship behaviour (combined) as predictors of intention to stay in the banking sector in Lesotho. Investigating psychological empowerment and organisational citizenship behaviour as predictors of employee intention to stay in the Lesotho banking sector has been considered vital for this study. Variables were chosen due to deficiencies in previous research related to the constructs of psychological empowerment; organisational citizenship behaviour and intention to stay explain the necessity for further research, in particular to the banking sector in Lesotho. Utilizing a positivist perspective, the current research used a closed questionnaire to 321 employees from three commercial banks in Lesotho. The response rate was 98 percent (309 responses). To analyse data, the Statistical Package for Social Sciences (SPSS) was used. In particular, this research used exploratory factor analysis, Pearson correlation, and analysis of variance (ANOVA), analysis of moment structures (AMOS) as well as structural equation modelling to address the hypothesised relationships. Overall, the results of this study found that there is no association between psychological empowerment and employee intention to stay in the organisation. Demographic variables were used as control variables in the study and it was found, inter alia, that age positively influences the level of psychological empowerment as a predictor of intention to stay. , Thesis (PhD) -- Faculty of Management and Commerce, 2020
- Full Text:
- Date Issued: 2020-06
- Authors: Domela-Serobanyane, Malinda
- Date: 2020-06
- Subjects: Psychology, Industrial , Organizational behavior , Banks and banking
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/20263 , vital:45640
- Description: This study investigated the association between psychological empowerment and organisational citizenship behaviour, on the one hand, and intention to stay among employees in the banking sector in Lesotho. A few studies have investigated the relationship between intention to stay and the two independent variables of psychological empowerment and organisational citizenship behaviour individually. However, no study has investigated the relationship between intention to stay and psychological empowerment and organisational citizenship behaviour (combined) as predictors of intention to stay in the banking sector in Lesotho. Investigating psychological empowerment and organisational citizenship behaviour as predictors of employee intention to stay in the Lesotho banking sector has been considered vital for this study. Variables were chosen due to deficiencies in previous research related to the constructs of psychological empowerment; organisational citizenship behaviour and intention to stay explain the necessity for further research, in particular to the banking sector in Lesotho. Utilizing a positivist perspective, the current research used a closed questionnaire to 321 employees from three commercial banks in Lesotho. The response rate was 98 percent (309 responses). To analyse data, the Statistical Package for Social Sciences (SPSS) was used. In particular, this research used exploratory factor analysis, Pearson correlation, and analysis of variance (ANOVA), analysis of moment structures (AMOS) as well as structural equation modelling to address the hypothesised relationships. Overall, the results of this study found that there is no association between psychological empowerment and employee intention to stay in the organisation. Demographic variables were used as control variables in the study and it was found, inter alia, that age positively influences the level of psychological empowerment as a predictor of intention to stay. , Thesis (PhD) -- Faculty of Management and Commerce, 2020
- Full Text:
- Date Issued: 2020-06
Learning across projects in the African Development Bank
- Authors: Mukuvari, Itai
- Date: 2014
- Subjects: Development banks , Economic development projects -- Africa , Banks and banking
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9226 , http://hdl.handle.net/10948/d1020974
- Description: In this study, the focus will be on the possibility of a lack of learning during execution of projects, which could lead to poor performance in development effectiveness. This study will particularly look at the lessons learnt by individual road infrastructure projects and examine whether or not the learning points were embraced into other projects. The African Development Bank (AfDB) is an example of a multilateral donor agency that predominantly operates in Africa where there are some challenges with aid effectiveness as described earlier. The study is not an attempt to represent the use of lessons learnt and knowledge management in multilateral agencies in general; it is rather a start from which other researchers can build on in order to answer the question: What can donor agencies do to improve aid effectiveness in their project execution? The major contribution of this study is to encourage donor agencies to look at whether their organisations are learning from their different projects as they seek better development effectiveness.
- Full Text:
- Date Issued: 2014
- Authors: Mukuvari, Itai
- Date: 2014
- Subjects: Development banks , Economic development projects -- Africa , Banks and banking
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9226 , http://hdl.handle.net/10948/d1020974
- Description: In this study, the focus will be on the possibility of a lack of learning during execution of projects, which could lead to poor performance in development effectiveness. This study will particularly look at the lessons learnt by individual road infrastructure projects and examine whether or not the learning points were embraced into other projects. The African Development Bank (AfDB) is an example of a multilateral donor agency that predominantly operates in Africa where there are some challenges with aid effectiveness as described earlier. The study is not an attempt to represent the use of lessons learnt and knowledge management in multilateral agencies in general; it is rather a start from which other researchers can build on in order to answer the question: What can donor agencies do to improve aid effectiveness in their project execution? The major contribution of this study is to encourage donor agencies to look at whether their organisations are learning from their different projects as they seek better development effectiveness.
- Full Text:
- Date Issued: 2014
Fintech and the financial services industry in South Africa
- Authors: Crouse, Johann Jacques
- Date: 2019
- Subjects: Banks and banking -- Data processing , Banks and banking -- Technological innovations , Financial services industry -- Information technology , Banks and banking
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: http://hdl.handle.net/10948/38046 , vital:34311
- Description: A preliminary literature review indicated that little to no research exists on the Fintech phenomena in the South African context. The purpose of this study is to gain the perceptions of South African bankers on the Fintech phenomena and to develop a deeper understanding of the Fintech phenomena in the South African context. An empirical exploratory qualitative approach was employed and an interpretivism research paradigm was utilised. A detailed literature review was conducted into the Fintech phenomena as well as the financial services sector in South Africa. The use of purposive sampling was initiated, and the sample of the study consisted of five individuals who work for the largest South African banks. The data was gathered through in-depth structured interviews which consisted of ten predetermined research questions. Rich data was obtained which was then analysed through the use of content analysis and coding. This enabled the transcription of data and the extraction of codes which assisted in obtaining findings that answered the research question. Authenticity, rigor, trustworthiness and credibility criteria was applied from the onset and throughout the research study. The themes that emerged from the data analysis process were navigated so that findings could be reached by comparing the themes to previous literature. In conclusion, six themes emerged from the data analysis, namely; collaboration can create new markets and create market share, investing in Fintech to overcome legacy infrastructure by going digital, Fintech companies are more customer focused, balance regulation between protecting the industry and creating an innovative environment competition in future will be fiercer, competition is good for the performance of the financial services industry and the Fintech phenomena is positive for the banking industry. Certain findings and conclusions were drawn; regulations in South Africa do allow for innovation, regulation is not biased towards banks, banks innovate and collaborate through Fintech, Fintech is positive for the banking industry, South African banks are investing in preparation for Fintech, South African banks have limited budgets, there is no significant loss of market share for banks due to Fintech companies, market share can be gained by banks partnering with Fintech companies and the future of the financial services industry in South Africa.
- Full Text:
- Date Issued: 2019
- Authors: Crouse, Johann Jacques
- Date: 2019
- Subjects: Banks and banking -- Data processing , Banks and banking -- Technological innovations , Financial services industry -- Information technology , Banks and banking
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: http://hdl.handle.net/10948/38046 , vital:34311
- Description: A preliminary literature review indicated that little to no research exists on the Fintech phenomena in the South African context. The purpose of this study is to gain the perceptions of South African bankers on the Fintech phenomena and to develop a deeper understanding of the Fintech phenomena in the South African context. An empirical exploratory qualitative approach was employed and an interpretivism research paradigm was utilised. A detailed literature review was conducted into the Fintech phenomena as well as the financial services sector in South Africa. The use of purposive sampling was initiated, and the sample of the study consisted of five individuals who work for the largest South African banks. The data was gathered through in-depth structured interviews which consisted of ten predetermined research questions. Rich data was obtained which was then analysed through the use of content analysis and coding. This enabled the transcription of data and the extraction of codes which assisted in obtaining findings that answered the research question. Authenticity, rigor, trustworthiness and credibility criteria was applied from the onset and throughout the research study. The themes that emerged from the data analysis process were navigated so that findings could be reached by comparing the themes to previous literature. In conclusion, six themes emerged from the data analysis, namely; collaboration can create new markets and create market share, investing in Fintech to overcome legacy infrastructure by going digital, Fintech companies are more customer focused, balance regulation between protecting the industry and creating an innovative environment competition in future will be fiercer, competition is good for the performance of the financial services industry and the Fintech phenomena is positive for the banking industry. Certain findings and conclusions were drawn; regulations in South Africa do allow for innovation, regulation is not biased towards banks, banks innovate and collaborate through Fintech, Fintech is positive for the banking industry, South African banks are investing in preparation for Fintech, South African banks have limited budgets, there is no significant loss of market share for banks due to Fintech companies, market share can be gained by banks partnering with Fintech companies and the future of the financial services industry in South Africa.
- Full Text:
- Date Issued: 2019
Factors affecting the usage of banking products and services by low income and under-banked consumers
- Authors: Giwe, Mbunwe Belter
- Date: 2015
- Subjects: Banks and banking , Bank facilities , Bank customers
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:9334
- Description: A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.
- Full Text:
- Date Issued: 2015
- Authors: Giwe, Mbunwe Belter
- Date: 2015
- Subjects: Banks and banking , Bank facilities , Bank customers
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:9334
- Description: A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.
- Full Text:
- Date Issued: 2015
Bank Competition and Economic Growth: The Case of South Africa, Russia and China
- Authors: Sokapase ,Zukile
- Date: 2017
- Subjects: Banks and banking
- Language: English
- Type: Thesis , Masters , MCom (Economics)
- Identifier: http://hdl.handle.net/10353/14120 , vital:39846
- Description: This study examined the relationship between bank competition and economic growth across South Africa, Russia and China. In this regard, the study conducted a comparative analysis which allowed for country differences and thus enhanced the provision of relevant policy guidance given how each of the country’s economic growth is reacting to changes in bank competition. To account for country differences, the study estimated a random coefficient panel (RCP) model using Swamy’s generalised least squares (GLS) estimators for the period 1999 – 2015. Across the three countries, bank competition and economic growth have been found to be positively related. In addition, bank competition has been found to be highly significant in influencing economic growth across the three countries. However, the extent of influence that bank competition has on economic growth differs in each country. Therefore, this study recommends that policies aimed at promoting competition in the banking sector of South Africa, Russia and China should be adopted in order to promote economic growth.
- Full Text:
- Date Issued: 2017
- Authors: Sokapase ,Zukile
- Date: 2017
- Subjects: Banks and banking
- Language: English
- Type: Thesis , Masters , MCom (Economics)
- Identifier: http://hdl.handle.net/10353/14120 , vital:39846
- Description: This study examined the relationship between bank competition and economic growth across South Africa, Russia and China. In this regard, the study conducted a comparative analysis which allowed for country differences and thus enhanced the provision of relevant policy guidance given how each of the country’s economic growth is reacting to changes in bank competition. To account for country differences, the study estimated a random coefficient panel (RCP) model using Swamy’s generalised least squares (GLS) estimators for the period 1999 – 2015. Across the three countries, bank competition and economic growth have been found to be positively related. In addition, bank competition has been found to be highly significant in influencing economic growth across the three countries. However, the extent of influence that bank competition has on economic growth differs in each country. Therefore, this study recommends that policies aimed at promoting competition in the banking sector of South Africa, Russia and China should be adopted in order to promote economic growth.
- Full Text:
- Date Issued: 2017
An analysis of bank risk management and its relevance for the non-bank corporate sector
- Authors: Dietrich, David Roland
- Date: 2007
- Subjects: Bank management , Risk management , Corporations -- Finance , Financial institutions , Banks and banking
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:949 , http://hdl.handle.net/10962/d1002683 , Bank management , Risk management , Corporations -- Finance , Financial institutions , Banks and banking
- Description: This thesis, entitled “An analysis of bank risk management and its relevance for the non-bank corporate sector”, investigates the extent to which financial risk management by the banking sector can be applied to the non-bank corporate sector. As banks’ risk management techniques are more sophisticated than those of the non-bank corporate sector we have endeavoured to ascertain the applicability of these established risk management methods to the non-bank corporate sector. The main objectives of this study were to analyse the banking sectors’ risks and management thereof, and compare them to the risks faced by the nonbank corporate sector. This analysis was then used to present a theoretical financial risk management model for the corporate sector. This analysis was conducted using qualitative research. The thesis engaged in an in-depth investigation of financial risk management through a documentary, literature and media analysis. It was elucidated that not all companies face the same financial risks and therefore each company requires its own unique financial risk management model. Furthermore, it was established that there are several risks that both banks and non-bank corporates are subjected to. However, the management of these risks is not necessarily the same for these two types of institutes. This thesis concludes by putting forward a financial risk management model which presents all the possible financial risks that non-bank corporates may face.
- Full Text:
- Date Issued: 2007
- Authors: Dietrich, David Roland
- Date: 2007
- Subjects: Bank management , Risk management , Corporations -- Finance , Financial institutions , Banks and banking
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:949 , http://hdl.handle.net/10962/d1002683 , Bank management , Risk management , Corporations -- Finance , Financial institutions , Banks and banking
- Description: This thesis, entitled “An analysis of bank risk management and its relevance for the non-bank corporate sector”, investigates the extent to which financial risk management by the banking sector can be applied to the non-bank corporate sector. As banks’ risk management techniques are more sophisticated than those of the non-bank corporate sector we have endeavoured to ascertain the applicability of these established risk management methods to the non-bank corporate sector. The main objectives of this study were to analyse the banking sectors’ risks and management thereof, and compare them to the risks faced by the nonbank corporate sector. This analysis was then used to present a theoretical financial risk management model for the corporate sector. This analysis was conducted using qualitative research. The thesis engaged in an in-depth investigation of financial risk management through a documentary, literature and media analysis. It was elucidated that not all companies face the same financial risks and therefore each company requires its own unique financial risk management model. Furthermore, it was established that there are several risks that both banks and non-bank corporates are subjected to. However, the management of these risks is not necessarily the same for these two types of institutes. This thesis concludes by putting forward a financial risk management model which presents all the possible financial risks that non-bank corporates may face.
- Full Text:
- Date Issued: 2007
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