• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.439-451
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• 2020

This study focused on researching the factors affecting retail banking efficiency of Vietcombank branches in the Mekong-Delta region. By collecting data from financial statements from 15 branches of VCB in the Mekong-Delta Region between 2015 and 2018, the paper applies DEA estimation to measure the effectiveness of retail banking activities and uses the Tobit regression model to identify factors affecting retail banking efficiency. The results demonstrate that the retail banking efficiency of branches averaged 52.5% during the period. The rating result shows the branches in An Giang, Can Tho, Dong Thap, Kien Giang, Long An, Phu Quoc and Tra Noc rank at the top technical efficiency. In group of medium efficiency, there are branches in Soc Trang, Tien Giang and Vinh Long. In the category of the poor efficiency are the branches in Bac Lieu, Ben Tre, Ca Mau, Chau Doc and Tra Vinh. The results also show that bank scale-related factors, capital adequacy, credit quality, time specific and region impact significantly the retail banking efficiency. The research not, only contributes to enriching the empirical research method but also is significant for the management activities in business developing strategies, improving the operational efficiency of Vietcombank in the region.

• Asia Marketing Journal
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• 제15권1호
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• pp.23-42
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• 2013

To overcome the profitability challenge these days, many global banks are increasingly focusing on cost efficiency through more efficient banking processes, such as online and mobile banking, whereas a number of other banks choose to differentiate their services for retaining and attracting the most valuable customer segment (Deloitte, 2011). While global banks in the retail banking industry are adopting either of these two business models as a strategic choice for their long-term growth, KB Kookmin Bank, one of the leading retail banks in South Korea, has begun to operate 'KB Rockstar' as a strategic channel, particularly designed to target college students in the youth market. The new marketing strategy has resulted in a positive impact on its brand image in customers' perception as well as a drastic increase in the number of youth customers. In this study, we analyze the case of 'KB Rockstar' and summarize the key factors for its success from a marketing perspective. First, 'KB Rockstar' is not simply a good channel strategy, but an innovative marketing strategy that aligns place, product and promotion together in order to create a synergy effect, resulting in the successful implementation of the bank's targeting strategy. Second, the strategy effectively establishes 'KB Rockstar' as a brand targeted to youth customers while also competently strengthening the image of the corporate brand, KB Kookmin Bank. The skillful implementation of organically combined marketing mix strategies has enabled the successful launch of the bank's sub-brand. Third, the strategy considers a retail bank branch as not only the place that makes sales transactions in order to generate short-term profits, but also the place that builds a long-term relationship with customers in order to maximize their lifetime values in the long run.

• 유통과학연구
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• 제19권3호
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• pp.15-23
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• 2021

Purpose: This study aims to identify the role of technological progress in the distribution sector in Saudi Arabia. Research design, data, and methodology: The study applies the Autoregressive Distributed Lag (ARDL) approach to estimate the Cobb Douglas production function of the wholesale and retail trade sector in Saudi Arabia, relied on annual data from the General Authority for Statistics from 2005 to 2019. Results: The results show that there is a long run relationship between the production of the wholesale and retail trade sector in KSA and the factors of production labour, capital and technology progress. The elasticity of the wholesale and retail trade production with respect to capital and labour are 0.26 and 0.78 respectively; the coefficients are positive and statistically significant. The wholesale and retail trade sector is operating under increasing returns to scale. The main result indicates that the elasticity of the wholesale and retail production with respect to the technology progress is 4.62%, which is positive and statistically significant. Conclusions: The study concluded that technological progress has a positive contribution to the growth of the distribution sector in KSA. Therefore, the technological progress can improve the productivity and efficiency of the resources allocated to the dis.

• 경영과학
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• 제19권1호
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• pp.75-88
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• 2002

In recent years, it Is necessary to develop an alternative measure, the time efficiency of management activities, as a more measurable and operational tool Instead of traditional accounting measures such as inventories turnover. Therefore the concept of throughput time has got much attention as useful tool for controlling time based management. The purpose of this paper is to investigate the usefulness and adaptability of throughput time. The sample consists of 212 non-banking firms listed on the Korean Stock Exchange. The test Period were 10 years(1989-1998). The regression analysis for this study was performed using the cross-sectional data for the sample, and it was also performed for each Industry. The results show that net Income to tonal assets and labor productivity (value added Per employee) variables in the model was signiflcantly associated with throughput time. On the other hand, the relationship between throughput time and logistics cost to sales do largely not have statistical significance. Especially, it is found that the relationship do not have significance or negative response in food & beverage industry and wholesale & retail industry. In summary, the results show that the measure of throughput time can be an effective managerial Indicator for time based competition and management.

• 대한지리학회지
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• 제30권1호
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• pp.68-92
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• 1995

소매업은 경제, 사회, 문화, 정치를 배경으로 소비자의 요구에 부응하며 발전해 가 기 때문에 지역구조의 이해라는 측면에서 증요한 연구 주제이다. 또한 소매업은 일상생활을 영위하기 위한 기본적인 기능이므로, 이에 대한 이해는 삶의 질 향상이라는 측면에서도 중 요하다. 최근, 우리나라는 주민소득의 향상과 그에 따른 수요의 다양화, 개성화, 그리고 정보 화 사회로의 이행, 대기업 및 외국유통업의 참여, 정부의 유통산업 근대화 작업 등 소매업 환경의 변화와 함께 소매업이 크게 변화하고 있다. 따라서 미래의 변화 예측과 바람직한 발 전 방향이 제시되어야 함에도 불구하고, 이에 대한 연구가 미흡하다. 이에 광주시를 연구대 상지역으로 선정하여, 소매업의 입지와 그에 대한 주민의 이용 행태, 그리고 주민의 바람직 한 이용방안을 분석하였다. 이는 입지행태라는 순수한 학문적기여 뿐 아니라, 지역의 효율성 과 평등성의 실현이라는 응용면에서도 중요한 의의를 지닌다.