research topics for banking and insurance

Research Topics & Ideas: Finance

120+ Finance Research Topic Ideas To Fast-Track Your Project

If you’re just starting out exploring potential research topics for your finance-related dissertation, thesis or research project, you’ve come to the right place. In this post, we’ll help kickstart your research topic ideation process by providing a hearty list of finance-centric research topics and ideas.

PS – This is just the start…

We know it’s exciting to run through a list of research topics, but please keep in mind that this list is just a starting point . To develop a suitable education-related research topic, you’ll need to identify a clear and convincing research gap , and a viable plan of action to fill that gap.

If this sounds foreign to you, check out our free research topic webinar that explores how to find and refine a high-quality research topic, from scratch. Alternatively, if you’d like hands-on help, consider our 1-on-1 coaching service .

Overview: Finance Research Topics

• Corporate finance topics
• Investment banking topics
• Private equity & VC
• Asset management
• Hedge funds
• Financial planning & advisory
• Quantitative finance
• Treasury management
• Financial technology (FinTech)
• Commercial banking
• International finance

Corporate Finance

These research topic ideas explore a breadth of issues ranging from the examination of capital structure to the exploration of financial strategies in mergers and acquisitions.

• Evaluating the impact of capital structure on firm performance across different industries
• Assessing the effectiveness of financial management practices in emerging markets
• A comparative analysis of the cost of capital and financial structure in multinational corporations across different regulatory environments
• Examining how integrating sustainability and CSR initiatives affect a corporation’s financial performance and brand reputation
• Analysing how rigorous financial analysis informs strategic decisions and contributes to corporate growth
• Examining the relationship between corporate governance structures and financial performance
• A comparative analysis of financing strategies among mergers and acquisitions
• Evaluating the importance of financial transparency and its impact on investor relations and trust
• Investigating the role of financial flexibility in strategic investment decisions during economic downturns
• Investigating how different dividend policies affect shareholder value and the firm’s financial performance

Investment Banking

The list below presents a series of research topics exploring the multifaceted dimensions of investment banking, with a particular focus on its evolution following the 2008 financial crisis.

• Analysing the evolution and impact of regulatory frameworks in investment banking post-2008 financial crisis
• Investigating the challenges and opportunities associated with cross-border M&As facilitated by investment banks.
• Evaluating the role of investment banks in facilitating mergers and acquisitions in emerging markets
• Analysing the transformation brought about by digital technologies in the delivery of investment banking services and its effects on efficiency and client satisfaction.
• Evaluating the role of investment banks in promoting sustainable finance and the integration of Environmental, Social, and Governance (ESG) criteria in investment decisions.
• Assessing the impact of technology on the efficiency and effectiveness of investment banking services
• Examining the effectiveness of investment banks in pricing and marketing IPOs, and the subsequent performance of these IPOs in the stock market.
• A comparative analysis of different risk management strategies employed by investment banks
• Examining the relationship between investment banking fees and corporate performance
• A comparative analysis of competitive strategies employed by leading investment banks and their impact on market share and profitability

Private Equity & Venture Capital (VC)

These research topic ideas are centred on venture capital and private equity investments, with a focus on their impact on technological startups, emerging technologies, and broader economic ecosystems.

• Investigating the determinants of successful venture capital investments in tech startups
• Analysing the trends and outcomes of venture capital funding in emerging technologies such as artificial intelligence, blockchain, or clean energy
• Assessing the performance and return on investment of different exit strategies employed by venture capital firms
• Assessing the impact of private equity investments on the financial performance of SMEs
• Analysing the role of venture capital in fostering innovation and entrepreneurship
• Evaluating the exit strategies of private equity firms: A comparative analysis
• Exploring the ethical considerations in private equity and venture capital financing
• Investigating how private equity ownership influences operational efficiency and overall business performance
• Evaluating the effectiveness of corporate governance structures in companies backed by private equity investments
• Examining how the regulatory environment in different regions affects the operations, investments and performance of private equity and venture capital firms

Asset Management

This list includes a range of research topic ideas focused on asset management, probing into the effectiveness of various strategies, the integration of technology, and the alignment with ethical principles among other key dimensions.

• Analysing the effectiveness of different asset allocation strategies in diverse economic environments
• Analysing the methodologies and effectiveness of performance attribution in asset management firms
• Assessing the impact of environmental, social, and governance (ESG) criteria on fund performance
• Examining the role of robo-advisors in modern asset management
• Evaluating how advancements in technology are reshaping portfolio management strategies within asset management firms
• Evaluating the performance persistence of mutual funds and hedge funds
• Investigating the long-term performance of portfolios managed with ethical or socially responsible investing principles
• Investigating the behavioural biases in individual and institutional investment decisions
• Examining the asset allocation strategies employed by pension funds and their impact on long-term fund performance
• Assessing the operational efficiency of asset management firms and its correlation with fund performance

Hedge Funds

Here we explore research topics related to hedge fund operations and strategies, including their implications on corporate governance, financial market stability, and regulatory compliance among other critical facets.

• Assessing the impact of hedge fund activism on corporate governance and financial performance
• Analysing the effectiveness and implications of market-neutral strategies employed by hedge funds
• Investigating how different fee structures impact the performance and investor attraction to hedge funds
• Evaluating the contribution of hedge funds to financial market liquidity and the implications for market stability
• Analysing the risk-return profile of hedge fund strategies during financial crises
• Evaluating the influence of regulatory changes on hedge fund operations and performance
• Examining the level of transparency and disclosure practices in the hedge fund industry and its impact on investor trust and regulatory compliance
• Assessing the contribution of hedge funds to systemic risk in financial markets, and the effectiveness of regulatory measures in mitigating such risks
• Examining the role of hedge funds in financial market stability
• Investigating the determinants of hedge fund success: A comparative analysis

Financial Planning and Advisory

This list explores various research topic ideas related to financial planning, focusing on the effects of financial literacy, the adoption of digital tools, taxation policies, and the role of financial advisors.

• Evaluating the impact of financial literacy on individual financial planning effectiveness
• Analysing how different taxation policies influence financial planning strategies among individuals and businesses
• Evaluating the effectiveness and user adoption of digital tools in modern financial planning practices
• Investigating the adequacy of long-term financial planning strategies in ensuring retirement security
• Assessing the role of financial education in shaping financial planning behaviour among different demographic groups
• Examining the impact of psychological biases on financial planning and decision-making, and strategies to mitigate these biases
• Assessing the behavioural factors influencing financial planning decisions
• Examining the role of financial advisors in managing retirement savings
• A comparative analysis of traditional versus robo-advisory in financial planning
• Investigating the ethics of financial advisory practices

The following list delves into research topics within the insurance sector, touching on the technological transformations, regulatory shifts, and evolving consumer behaviours among other pivotal aspects.

• Analysing the impact of technology adoption on insurance pricing and risk management
• Analysing the influence of Insurtech innovations on the competitive dynamics and consumer choices in insurance markets
• Investigating the factors affecting consumer behaviour in insurance product selection and the role of digital channels in influencing decisions
• Assessing the effect of regulatory changes on insurance product offerings
• Examining the determinants of insurance penetration in emerging markets
• Evaluating the operational efficiency of claims management processes in insurance companies and its impact on customer satisfaction
• Examining the evolution and effectiveness of risk assessment models used in insurance underwriting and their impact on pricing and coverage
• Evaluating the role of insurance in financial stability and economic development
• Investigating the impact of climate change on insurance models and products
• Exploring the challenges and opportunities in underwriting cyber insurance in the face of evolving cyber threats and regulations

Quantitative Finance

These topic ideas span the development of asset pricing models, evaluation of machine learning algorithms, and the exploration of ethical implications among other pivotal areas.

• Developing and testing new quantitative models for asset pricing
• Analysing the effectiveness and limitations of machine learning algorithms in predicting financial market movements
• Assessing the effectiveness of various risk management techniques in quantitative finance
• Evaluating the advancements in portfolio optimisation techniques and their impact on risk-adjusted returns
• Evaluating the impact of high-frequency trading on market efficiency and stability
• Investigating the influence of algorithmic trading strategies on market efficiency and liquidity
• Examining the risk parity approach in asset allocation and its effectiveness in different market conditions
• Examining the application of machine learning and artificial intelligence in quantitative financial analysis
• Investigating the ethical implications of quantitative financial innovations
• Assessing the profitability and market impact of statistical arbitrage strategies considering different market microstructures

Treasury Management

The following topic ideas explore treasury management, focusing on modernisation through technological advancements, the impact on firm liquidity, and the intertwined relationship with corporate governance among other crucial areas.

• Analysing the impact of treasury management practices on firm liquidity and profitability
• Analysing the role of automation in enhancing operational efficiency and strategic decision-making in treasury management
• Evaluating the effectiveness of various cash management strategies in multinational corporations
• Investigating the potential of blockchain technology in streamlining treasury operations and enhancing transparency
• Examining the role of treasury management in mitigating financial risks
• Evaluating the accuracy and effectiveness of various cash flow forecasting techniques employed in treasury management
• Assessing the impact of technological advancements on treasury management operations
• Examining the effectiveness of different foreign exchange risk management strategies employed by treasury managers in multinational corporations
• Assessing the impact of regulatory compliance requirements on the operational and strategic aspects of treasury management
• Investigating the relationship between treasury management and corporate governance

Financial Technology (FinTech)

The following research topic ideas explore the transformative potential of blockchain, the rise of open banking, and the burgeoning landscape of peer-to-peer lending among other focal areas.

• Evaluating the impact of blockchain technology on financial services
• Investigating the implications of open banking on consumer data privacy and financial services competition
• Assessing the role of FinTech in financial inclusion in emerging markets
• Analysing the role of peer-to-peer lending platforms in promoting financial inclusion and their impact on traditional banking systems
• Examining the cybersecurity challenges faced by FinTech firms and the regulatory measures to ensure data protection and financial stability
• Examining the regulatory challenges and opportunities in the FinTech ecosystem
• Assessing the impact of artificial intelligence on the delivery of financial services, customer experience, and operational efficiency within FinTech firms
• Analysing the adoption and impact of cryptocurrencies on traditional financial systems
• Investigating the determinants of success for FinTech startups

Commercial Banking

These topic ideas span commercial banking, encompassing digital transformation, support for small and medium-sized enterprises (SMEs), and the evolving regulatory and competitive landscape among other key themes.

• Assessing the impact of digital transformation on commercial banking services and competitiveness
• Analysing the impact of digital transformation on customer experience and operational efficiency in commercial banking
• Evaluating the role of commercial banks in supporting small and medium-sized enterprises (SMEs)
• Investigating the effectiveness of credit risk management practices and their impact on bank profitability and financial stability
• Examining the relationship between commercial banking practices and financial stability
• Evaluating the implications of open banking frameworks on the competitive landscape and service innovation in commercial banking
• Assessing how regulatory changes affect lending practices and risk appetite of commercial banks
• Examining how commercial banks are adapting their strategies in response to competition from FinTech firms and changing consumer preferences
• Analysing the impact of regulatory compliance on commercial banking operations
• Investigating the determinants of customer satisfaction and loyalty in commercial banking

International Finance

The folowing research topic ideas are centred around international finance and global economic dynamics, delving into aspects like exchange rate fluctuations, international financial regulations, and the role of international financial institutions among other pivotal areas.

• Analysing the determinants of exchange rate fluctuations and their impact on international trade
• Analysing the influence of global trade agreements on international financial flows and foreign direct investments
• Evaluating the effectiveness of international portfolio diversification strategies in mitigating risks and enhancing returns
• Evaluating the role of international financial institutions in global financial stability
• Investigating the role and implications of offshore financial centres on international financial stability and regulatory harmonisation
• Examining the impact of global financial crises on emerging market economies
• Examining the challenges and regulatory frameworks associated with cross-border banking operations
• Assessing the effectiveness of international financial regulations
• Investigating the challenges and opportunities of cross-border mergers and acquisitions

Choosing A Research Topic

These finance-related research topic ideas are starting points to guide your thinking. They are intentionally very broad and open-ended. By engaging with the currently literature in your field of interest, you’ll be able to narrow down your focus to a specific research gap .

When choosing a topic , you’ll need to take into account its originality, relevance, feasibility, and the resources you have at your disposal. Make sure to align your interest and expertise in the subject with your university program’s specific requirements. Always consult your academic advisor to ensure that your chosen topic not only meets the academic criteria but also provides a valuable contribution to the field. 

If you need a helping hand, feel free to check out our private coaching service here.

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CXO perspectives: A conversation on the future of bancassurance

For many banks in Europe and Latin America, insurance is now “the need” to expand relationships with customers. Over the past few years, many bancassurance partnerships have successfully developed their positioning, reputations, and customer bases. Insurance fee income has gained relevance in light of a continued low-interest environment and, more recently, the outbreak of COVID-19, which heightened stress on credit products , such as consumer loans.

Our interview with industry leaders from BBVA and Crédit Agricole Assurances reinforces evidence of certain themes that are expected to shape the industry:

• Nonlife insurance and stand-alone sales are gaining relevance with banks, aiming to capture a broad share of customers’ wallets.
• New services are steadily being deployed to differentiate solutions for customers and to raise customer engagement.
• Banks are increasingly customizing insurance propositions to individual needs through the targeted use of public and banking data.
• Digital marketing and analytics tools are enabling a more scientific sales approach. Such an approach employs effective, personalized, data-driven leads across all channels, including the branch network and digital and remote channels, and allows banks to reach the “right” customers at the “right” moments with the “right” offers.
• Claims processes will increasingly leverage digital technologies to provide the best possible customer service, and technical excellence in the portfolio will indicate enhanced retention and pricing, with the latter becoming increasingly transparent in the digital shift.
• Operating models between bank and insurer need to adapt to a fast-changing environment that requires more frequent interactions and seamless coordination in an omnichannel approach. Partners are also accelerating the pace or facilitating innovation, including by offering seamless access to service providers directly through the banking channel.

For many banks in Europe and Latin America, insurance is now “the need” to expand relationships with customers.

These changes will not only challenge how banks and insurers integrate and work with one another on a bilateral basis but will also define the role they play in the larger picture as new direct and platform models likely emerge.

The following text is an edited transcript of McKinsey’s Bancassurance Forum 2021 Fireside Chats, which was held remotely in January 2021.

McKinsey: What’s your perspective on the current bancassurance environment?

Guillaume Oreckin biography

Guillaume has been the head of the international division of Crédit Agricole Assurances since 2017. Guillaume first joined Pacifica, the nonlife company of Crédit Agricole Assurance in France, in 2007 as deputy chief executive officer. He was previously a partner at KPMG Peat Marwick's insurance practice in Paris. He graduated from HEC Paris in 1987.

Crédit Agricole Assurances (CAA)

CAA generates a premium income of approximately €29 billion (70 percent of which comes from savings and retirement products) and manages around 30 million policies with 4,700 employees in eight European countries, as well as Japan. Aside from its captive network, it now serves more than 50 financial institutions outside of the Crédit Agricole Group retail networks.

CAA built its early success on distributing products through banks in domestic markets and subsequently extended its historical model to consumer finance and leasing domains, even outside the traditional banking model. This enabled the company to pursue noncaptive partnerships outside of France and grow internationally. As a result, it was able to generate additional value and create long-term partnerships or distribution agreements with nongroup banks.

Guillaume Oreckin: In the past five years, we saw rising interest in developing nonlife insurance, which can bring value to the franchise in addition to the financial domain. We believe there is no reason why the banking customer should get their insurance from somewhere else. This is a radical change. Previously, the idea was to define a penetration rate, and now the ambition is to move from one-off sales to capturing the full share of wallet and to say, “How can we show to every customer who is already banking with us that we are also the right partner to address their insurance needs?”

As far as life insurance is concerned, the trend is different. Recently, there has been a certain reluctance toward guaranteed savings products, for example, as well as a refocusing on portfolio quality instead of volumes. A lot of investment in our banking partners has been to help raise awareness among their customers that guaranteed savings is not the only way to save for the future. For example, customers are shown simulations to demonstrate how they could additionally benefit by using unit-linked solutions rather than guaranteed savings products. We want to democratize the access to wealth-management services, bringing enabling tools to our advisers and to regular customers—not only to affluent or private banking customers.

Jorge Matuk Chijner biography

Jorge is the insurance head of Banco Bilbao Vizcaya Argentaria (BBVA). He joined the company in 2000 as chief commercial officer of BBVA’s pension business in Peru and has subsequently held senior positions at BBVA in markets such as Bolivia, Chile, Colombia, the Dominican Republic, and Spain. He received a master’s degree in business administration from Universidad Católica de Santa María (Peru) and a master’s degree in law from Universidad Nacional de San Agustin de Arequipa (Peru), and he graduated from the strategy, marketing, and development business program at Wharton.

Banco Bilbao Vizcaya Argentaria (BBVA)

BBVA Insurance generates a premium income of approximately €5 billion and manages a portfolio of more than 13.5 million policies with around 1,100 employees across eight countries. Aside from its home market in Spain, BBVA serves customers in Turkey and in Latin American countries such as Argentina, Chile, Colombia, Mexico, Peru, Uruguay, and Venezuela.

BBVA’s bancassurance model aims to improve its clients’ financial health and help customers transition toward a sustainable future. BBVA’s model also pursues operational excellence on the banking side, working with the best, most engaged insurance teams and emphasizing data and technology.

Jorge Matuk Chijner: I agree with Guillaume on the dynamics between life and nonlife and the approach for value creation. In the current situation, we see an opportunity to accelerate change. Customers are clearly more active in digital channels, for research and contracting as well as for servicing. A recent survey shows that customers’ preference for digital sales in insurance increased from 38 percent before the pandemic to 44 percent after its onset. 1 According to McKinsey’s online survey conducted with more than 3,000 individuals during sessions in October 2019 and April 2020. In this environment, BBVA—and the industry in general—had to develop additional tools to meet these expectations. As part of our innovation efforts, we created an entirely new solution: a personal finance and expense-tracking application called Bconomy. This application allows customers to analyze all their expenditure data from different sources, such as credit cards or direct debits, as well as spending on insurance. Currently, all our 37 million digital customers have access to this solution. In this context, we determined that the key processes to enhance were not only for digital sales but also for other activities along the value chain, such as servicing, product modularization, and data usage.

McKinsey: How do you both see your ambitions and priorities evolving as we enter the next normal?

Guillaume Oreckin: Digital channels and the ability to distribute without the presence of the customer are becoming key. We have invested a lot in leveraging banking and insurance data to find patterns either for pricing or for commercial purposes. The data we hold are a key asset. As we increasingly diversify our business into nonlife, we believe that—apart from the insurance coverage—the services we can bring to our customers are also important. The role of banks is shifting toward value-added services and expanding from purely financial needs, focusing on addressing customers’ daily-life needs. Insurance is the entry point into the business of providing additional services to customers.

Today, we offer a lot of services at the moment of the claim—but tomorrow, we believe we can extend this to global service offerings along the customer life cycle. For example, in our branches in France, we sell home-surveillance cameras that are connected to a call center. The idea is to convey the message that we protect, we insure, and, if there is a problem, we will handle the claims. Furthermore, in the claims area, we are focused on providing services rather than merely writing checks. As an example, we created our own network of repairers for home insurance.

Jorge Matuk Chijner: We see a lot of changes in the market and in customer behaviors in terms of product preferences. Customers are showing greater sensitivity to health and life insurance, employment, and emerging risks such as cybersecurity. All these needs are emphasized by the pandemic, as well as other factors such as sustainability and climate change. We also see that the borders between life and nonlife businesses are becoming increasingly blurred, which represents an opportunity for BBVA to strengthen our value proposition.

In this space, we’ve seen interesting phenomena. In terms of the customer profile, there is an increasing propensity for younger people to buy insurance. There is also the expectation that customers will receive consistent experiences when they visit branches or use other channels—a true omnichannel approach. This means that customers can do things entirely on their own or via a contact center, but they can also start a journey in one channel and continue it in another. Our remote assistance app, Blue, helps in this respect, as it can provide a more specialized experience than a call center. We also offer video capabilities in Mexico to connect with customers.

In terms of data, banks have wide access, some of which can be transformed into insights for insurance companies, but we need new capabilities to do this. We recently introduced a new pricing model in Turkey based on banking data with the aim of creating specific pricing for clients who want auto insurance. We combine the banking and transactional data of customers and factor those numbers into a highly specific risk assessment. This is the value we can offer both customers and banks.

McKinsey: Both of you have mentioned the relevance of the digital shift. Guillaume, how is Crédit Agricole positioning its distribution channels to be successful?

Guillaume Oreckin: We are working on several aspects to face this challenge. First, products. We already had the idea that products in the bancassurance landscape should be very simple, but this is even more true in the digital space. The personalization aspect is not only in the price but also in the way we approach customers. A complex product is adapted neither to the branch nor to the digital channel. With this in mind, we moved to simple, prepackaged offers that can cover most of the cases but do not require a lot of explanations. We also reduced the number of questions asked to the customer materially. We can sometimes get the same information by using publicly available data or can use public data to predict responses to prefill a form. This also depends on the country, of course. France is quite advanced with regard to publicly published data.

Next, we are also working on the digital-acquisition side of the business, which has been quite tricky. We need to be fully aligned with the bank. We also need to define the right strategy to generate digital leads at sustainable acquisition costs. We are strengthening our teams to create joint business units with our banking partners that are dedicated to traffic generation and channel conversion. Operating separately doesn’t work—and it can even result in internal overbidding for the sole benefit of search engines. Customers also expect a lot regarding the services we can provide on the claims side. Most customers still expect human contact when making claims, but we also see a growing share of the population that prefers self-care. We need to invest a lot in that area.

McKinsey: Jorge, BBVA was one of the earliest players to recognize the significance of the digital shift. How do you foresee the insurance business repositioning to take advantage of the subsequent changes to the distribution model?

Jorge Matuk Chijner: We identified the fact that there is no trade-off between branches and digital growth. Our branches are advice centers for our customers. Customers buy insurance either through digital channels or physical branches but doing so at the branch enables us to provide a more qualified sales team to help them. The digital channel is not an enemy of the branches. There are complementary solutions for both sides: we share quotes with the branches and the digital channels, increase our accessible customer base, and have more satisfied customers. For example, customers who start the journey online can later be contacted by phone—or vice versa. This allows the bank to follow up on leads using both offline and digital tools.

We are addressing this topic across our important partnership agreements. In Spain, we partnered with Allianz for nonlife and Bupa for health. We also have partnerships with Vitality in Mexico and Rimac in Peru. The products are similar in terms of suitability for digital channels and branches, but we have different approaches depending on customer preference. For example, we are working on contextual insurance in Spain—particularly travel insurance—which had a nearly double-digit conversion rate before the pandemic (such as when a ticket for a flight is purchased on a credit card or a customer orders foreign exchange). The branches can always advise customers on traditional products. However, as we create new products, digital channels become increasingly important support to complement the branches.

Would you like to learn more about our Financial Services Practice ?

In terms of partnerships, we work with Bupa in Spain on telemedicine and on health prevention—for example, by adding some features directly to our app and by providing a seamless transition into Bupa’s app without the need for the customer to log in again. In Mexico, we work with Vitality on life insurance, particularly when customers change life stages or adjust their types of insurance. Part of this is knowing our customer base and recognizing the opportunity to grow—for instance, working with Telefonica in Spain and leveraging our mobile app in Xiaomi mobile phones.

McKinsey: Continuing with this topic of change, what elements of innovation around product offerings are you observing, and will those be important in your strategies moving forward?

Guillaume Oreckin: I strongly believe that innovation will be in the services we can offer customers. That’s why we created a joint venture with Europ Assistance. We did not have our own assistance arm, and strategically, we thought that was a mistake. Many innovations from the past ten or 15 years came through assistance and services, either because we extended their use or because new services became necessary.

If you take, for example, auto or home insurance, it is not so easy to differentiate the offering from competitors; it has not changed much. Where you can make the difference is in the services you provide and in the way you handle claims. One element is also in the way you support the banks: the tools you give to the bank networks, either in the digital, call-center, or physical channel. We have invested a lot in giving our banking partners the best possible tools to approach customers’ needs and give the right advice at the right moment.

Jorge Matuk Chijner: We are strong believers in continuous innovation. We are always seeking to define what is important in terms of knowledge all along the value chain, including claims handling, policy servicing, and data management. In our case, we have focused our innovation efforts on claims, which is the moment of truth in insurance. Good operators can help banks save money in addition to ensuring the best possible customer experience.

We recently partnered with Bdeo, a start-up in Mexico that provides technology for remote claims verification in our auto insurance products. We’re also working closely with Allianz’s corporate venture capital fund to spur innovation and enable access to a larger insurance ecosystem. Finally, we’re working with Bupa on medical expenses. All that said, innovation is a trial-and-error process, often spanning multiple countries. You need to choose where the priorities are. In our case, it was claims.

McKinsey: Finally, Guillaume, what is your perspective on the threat of direct players to bancassurance?

Guillaume Oreckin: Banks can bring the best of both worlds, and direct is not an unknown attacker to us. We already sell a lot of insurance through bank websites, which are among those that have the strongest traffic. This is a strong advantage for us. The value of the brand also makes me optimistic. At one time, we thought the brand would lose value on the internet because many new brands would appear. That has not been the case. If anything, a strongly established brand is still an incredibly important asset, and it is much easier to build on the value of a brand such as BBVA or Crédit Agricole than to have a brand that is not as well established. Many people will try to enter the direct market, but few will succeed in establishing a strong brand.

Comments and opinions expressed by interviewees are their own and do not represent or reflect the opinions, policies, or positions of McKinsey & Company or have its endorsement.

This article represents edited comments from the Global Bancassurance Forum 2021 CXO interviews, which were hosted on January 28, 2021, by Bruno Dinis , a partner, and Rui Neves , a senior partner, in McKinsey’s Lisbon office; Florian Fuchs , a consultant in the Munich office; and Francesco Passera , an associate partner in the Milan office.

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The relationship between insurance and banking sectors: does financial structure matter?

• Published: 27 May 2019
• Volume 44 , pages 569–594, ( 2019 )

Cite this article

• Guan-Chun Liu 1 &
• Chien-Chiang Lee 2 , 3  

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This paper employs panel data of 36 countries over the period from 1980 to 2015 to investigate whether financial structure matters for the linkage between the insurance and banking sectors. Panel co-integration tests find that the significant relationship varies across different financial structures. Specifically, a developed financial system and market-based structure reinforce their long-run linkage. Panel Granger causality tests show that the market-based structure strengthens the insurance–bank nexus for the financially underdeveloped group of countries and that a financially developed system is conducive to realising a short-run dynamic linkage for a bank-based economy. More importantly, the linkages between insurance and banking sectors can be complementary or substitutive, depending on the relative importance of risk transfer and capital allocation in the insurance market. These findings offer useful insights into achieving the two sectors’ co-evolution and further provide some evidence from the market-based and financial services viewpoints.

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International Money Markets: Eurocurrencies

The Credit Suisse bailout in hindsight: not a bitter pill to swallow, but a case to follow

Systemic Banking Crises Database II

Hannan ( 1991 ) proposes a model to derive formally and thereby assess critically the most commonly tested relationship between market structure and various aspects of bank conduct and performance as implied by the structure-conduct-performance paradigm. Differing from this work, our paper examines the effects of financial structure on the insurance–banking long- and short-run relationships.

Most existing works applying traditional panel VAR or VECM models ignore the country-specific time effects in the model. In other words, without taking the country-specific macro shocks into consideration the estimation results may not be reliable.

When measuring insurance premiums for each country, foreign insurance volumes are also included.

According to Swiss Re (2016), life and non-life insurance activities are categorised according to standard EU and OECD conventions, whereas accident and health insurance activities are both counted as part of non-life insurance.

In this paper domestic credit provided by the banking sector includes all credit to various sectors on a gross basis, with the exception of credit to the central government, which is net. The banking sector includes monetary authorities and deposit money banks as well as other banking institutions where data are available (including institutions that do not accept transferable deposits but do incur liabilities such as time and savings deposits). Examples of other banking institutions are savings and mortgage loan institutions and building and loan associations.

For more details on the construction procedure of financial structure see Demirgüç-Kunt and Levine ( 2001 ) and the classification of countries shown in Table  1 . Note that foreign stocks listed are also included in the respective measures of stock market capitalisation and trading volumes.

From the perspective of economic growth, previous literature discusses the relative merits of bank-based versus market-based financial systems. In this paper we obtain the conclusion from the viewpoint of the relationship between insurance activities and banking credit.

The estimation results for the co-integration relationship and Granger causality in the different groups before and after 2008 are not provided herein.

Allen, F., and A.M. Santomero. 2001. What do financial intermediaries do? Journal of Banking & Finance 25 (2): 271–294.

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Guan-Chun Liu

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Department of Finance, National Sun Yat-sen University, Kaohsiung, Taiwan

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Liu, GC., Lee, CC. The relationship between insurance and banking sectors: does financial structure matter?. Geneva Pap Risk Insur Issues Pract 44 , 569–594 (2019). https://doi.org/10.1057/s41288-019-00135-9

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Published : 27 May 2019

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Agile transformation in banking and insurance

Featured topics, july 15, 2021.

There’s no blueprint for scaling agile models across an enterprise. But our research has identified an agile operating model that will help financial services organizations accelerate agile transformation.

Why use the agile model?

We live in a digital economy where the pace of change is ever accelerating. Consumer expectations are shifting, and companies are moving faster to keep up. The more agile an organization is, the quicker it will react to customer expectations and market opportunities.

The Agile Manifesto , written by a team of consultants and innovators, was first released in 2001 and started revolutionizing software development. Slowly, these practices spread and over time agile transformation has become the operating model of choice for organizations in most industries.

Our research shows that the main reason organizations are adopting agile transformation models is to accelerate the delivery of new products and services to the market.

Consumer expectations are shifting, and companies are moving faster to keep up.

Agile finance and insurance companies often outperform their peers in time to market, new client acquisition and Net Promoter Score. They also tend to save money, because they focus on making their teams more efficient and allocating resources to activities that create more value for their clients.

But most organizations, even if they’re relying on some agile transformation principles, have yet to deploy agility at scale. 97% of companies have failed at transforming a scaled agile operating model.

What’s holding these companies back?

Quite simply, it’s culture.

The importance of culture in agile transformation

There’s no single definition of agile. And there’s no single way to scale an agile model.

Most definitions — or perhaps perceptions — of agile sell it short. Agile isn’t just about squads, tribes, scrums, Kanban or any other jargon. Agile can be defined as a customer-centric, cross-functional, iterative method that delivers new or enhanced products and services more quickly, with less risk and higher customer satisfaction than traditional models.

Agile transformation puts humans, and the interactions between them, at the center of the production model. It recognizes that empowered teams address risk better and adapt to uncertainty better than top-down, sequential, process‑centric approaches.

To succeed in scaling agile transformation, you must get your leaders and people on board with the right mindset to embrace a thoughtfully designed method and organization model. It’s easier said than done. Our research shows that culture is the major roadblock to agile transformations. That’s because agile is a cultural revolution, not a methodology.

How do you create a culture that embraces agile in a highly conservative industry like banking or insurance? You need a sound methodology that focuses on the human aspect of business.

Our 4M methodology for scaling agile models

At Korn Ferry, we take a radically human approach to scaling agile that relies on four things: your model, method, mindset and movement.

• Model: Your agile model must address the working context of agile teams. You’ll have to address the structure and scaling of teams and performance management . You should design, test and iterate units until they work efficiently across all dimensions, including job architectures and performance management systems.
• Method: Select, train, test and adapt the most effective methods and standards for your agile operating model.
• Mindset: To change mindsets, you have to change how people think and behave on several dimensions. You need to rewire their beliefs to focus on what will make them and the organization successful. For example, you must teach your people to become more customer-centric, which will require them to switch from an internal focus to a cross-practice approach. You’ll have to start with your customer and work backward into the organization. And you’ll need to go beyond the classroom setting to teach someone how to change their attitude. You’ll need learning opportunities that immerse your people in experiences that help them think and behave differently.
• Movement: The only way to change your culture and mindset at scale is to create a movement — and that starts with your leaders. First, you must imagine the method, agile model and culture that you want and link it to a big, bold future aspiration. Then, leaders must spread the desired beliefs and behaviors through the organization at scale.

Some consultants suggest that organizations should design a method, run a pilot and then refine and improve it as you scale. But we believe the more effective approach is to build agile transformation through a series of projects across your organization.

Each project should embody your new agile model and deliver tangible benefits to both your customers and your organization. Getting quick wins will demonstrate to leaders and employees alike that your new agile operating model is delivering on its promise. That will build momentum to continue moving forward.

How financial services firms and insurance companies can accelerate agile transformation

Our work helping financial services firms and insurance companies around the world build agile cultures has yielded best practices that can speed the transformation journey. Here are just a few.

Set a clear course for your transition

Depending on your starting point, you may have a long journey ahead. If your organization isn’t a digitally-based company, and few in banking and insurance industries are, it’s important to be realistic. The key to speed the transition toward agile is ensuring that you have a clear direction for your transformation efforts. Be transparent about the new way of working and your objectives, scope and the resources and investment required for success.

Focus on alignment

To scale agile throughout your organization, you have to align from the top to the bottom on the future state of your organization, particularly its culture . Make sure you’ve aligned your top team on your objective and intended business outcomes for the transformation, the timeline for reaching your goals and the method and agile model.

Assess your leaders

Our experience shows that successful scaled agile initiatives have a few things in common: leaders with deep organizational and business expertise, a strong business transformation track record, courage, authenticity, ambition and a unique balance rewarding performance and empathy.

To uncover your leaders’ strengths and weaknesses, use an assessment. If you discover that your leaders aren’t equipped with these skills, create a development plan to foster these competencies. You should also institute a training program for employees to foster their digital mindset, leadership and skills.

Redesign your reward and performance management processes to support agility

Behavior aligns with reward. So, your performance management processes will need to operate on shorter feedback cycles to facilitate quicker outcomes.

Build a clear change management strategy

To support your movement and ensure company-wide adoption, you’ll need to broadcast news of your quick wins and through both formal and informal influencer networks.

To learn more best practices when it comes to scaling an agile model, download our article, An agile operating model across the enterprise . And to discuss how we can work together to shape a talent profile, assess your leaders, build a new job architecture and create an agile transformation blueprint for your organization, get in touch .

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Yale Hosts Deposit Insurance Conference, Offering New Perspectives on Research and Policy

Deposit Insurance is the most significant explicit government guarantee to the financial sector, and in the wake of recent bank failures, there have been multiple proposals to reform the deposit insurance system in the United States.

To advance our understanding of the trade-offs and considerations that shape the design of deposit insurance schemes, Yale’s Tobin Center for Economic Policy and the Wharton Initiative on Financial Policy and Regulation recently convened over 60 leading researchers and policymakers for the ‘ Rethinking Optimal Deposit Insurance ’ Conference.

The full day conference featured researcher presentations on bank fragility and failure, as well as new approaches to deposits and insurance. According to conference organizers Eduardo Dávila (Yale) and Itay Goldstein (Wharton), the day brought about many fruitful debates on the optimal split between bank supervision and regulation, the desirability of insuring deposits used for business payment purposes, and the interaction between deposit insurance and lender-of-last-resort policies.

Paper presentations spanned many different methodologies, and combined both empirical work and theoretical modeling. Dávila noted several research highlights, including Jose Luis Peydro's presentation, which included new and detailed disaggregated data on the impact of changes in deposit insurance policies in Denmark, as well as Emil Verner's presentation, which leveraged historical data to determine the ultimate cause of bank failures and banking crises, and whether these can be appropriately predicted.

The keynote panel, titled ‘New Perspectives for Policy,’ brought together both research and policy viewpoints, and included discussion of the FDIC’s 2023 “ Options for Deposit Insurance Reform ” analysis, which outlines three options to reform the nation's deposit insurance system. The panel, as well as all thoughtful discussions of each of the papers, were designed to draw practical conclusions and present open questions for the design of deposit insurance policies.

Panelists, from left to right: Larry White (New York University), Eva Hüpkes (International Association of Deposit Insurers), Patrick Mitchell (Federal Deposit Insurance Corporation), Anna Kovner (Federal Reserve Bank of New York), Anil Kashyap (University of Chicago), Itay Goldstein (Wharton)

Participants spanned a diverse group of policy institutions, among them:

• Federal Deposit Insurance Corporation (FDIC)
• International Association of Deposit Insurers (IADI)
• Canada Deposit Insurance Corporation
• Office of the Comptroller of the Currency (OCC)
• Federal Reserve Board
• Federal Reserve Bank of New York
• Federal Reserve Bank of Boston
• Federal Reserve Bank of Atlanta
• Bank of England

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How do banks manage risks in their credit card portfolios?

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Fiscal Consequences of Central Bank Losses

In response to the Global Financial Crisis, central banks engaged in large-scale asset purchases funded by the issuance of reserves. These “unconventional” policies continued during the pandemic, so that by 2022 central banks’ balance sheets had grown up to ten-fold. As a result of rapidly increasing interest rates, these massive portfolios began producing substantial losses. We interpret these losses as fiscal policy consequences of quantitative easing and stress that they must be balanced against the prior benefits of implementing purchase policies. Importantly, losses differ qualitatively depending on whether the central bank chooses to buy domestic or foreign assets, thus resulting in transfers either within or between countries. Effects of losses may differ due to accounting rules (when losses are realized) and when the fiscal authority compensates for losses (the structure of indemnification agreements). Data from the Federal Reserve, the Eurosystem, and the Bank of England show that maximum annual losses are between 0.3 and 1.5 percent of GDP. By contrast, the Swiss National Bank is sustaining losses up to 17 percent of GDP.

Cecchetti is Professor and Rosen Family Chair in International Finance at the Brandeis International Business School, Senior Research Consultant at King’s College London Business School, Chair of the Advisory Scientific Committee of the European Systemic Risk Board, Research Associate at the NBER, and Research Fellow at the CEPR; Hilscher is Professor of Agricultural and Resource Economics at the University of California, Davis. This paper was prepared for the workshop on “Central bank capital in turbulent times,” sponsored by De Nederlandsche Bank in Amsterdam on 11-12 April 2024. We thank Nazim Belhocine, Ashok Vir Bhatia, Jan Frie, Andrew Levin, Fergal Shortall, and Christina Paragon Skinner, for helping us with the data; Swarali Havaldar for research assistance; seminar participants at King’s Business School, the London Business School, and UC Davis, as well as David Aikman, Ricardo Reis, Kim Schoenholtz, and Jeremy Stein for comments and discussions. All errors are our own. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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Banking and Finance Dissertation Topics – Selected for Business Students

Published by Owen Ingram at January 2nd, 2023 , Revised On August 16, 2023

Looking for an interesting banking and finance research idea for your dissertation? Your search for the best finance and banking dissertation topics ends right here because, a t ResearchProspect, we help students choose the most authentic and relevant topic for their dissertation projects.

Bank taxes, financial management, financial trading, credit management, market analysis for private investors, economic research methods, the economics of money and banking, international trade and multinational business, the wellbeing of people and society, principles and practices of banking, management and cost accounting, governance and ethics in banking, investment banking, introductory econometrics, and capital investment management are among the many topics covered in banking and finance.

Without further ado, here is our selection of the besting banking and finance thesis topics and ideas.

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The following dissertation topics for banking will assist students in achieving the highest possible grades in their dissertation on banking finance:

List of Banking and Finance Dissertation Topics

• A Comprehensive Analysis of the Economic Crisis as It Relates to Banking and Finance
• A Critical Review of Standard Deviation in Business
• The Political and Economic Risks Involving National Bank Transactions
• A Study of Corporate Developments in European Countries Regarding Banking and Finance
• Security Measures Implemented in Financial Institutions Around the World
• Banking and Finance Approaches from Around the World
• An in-depth study of the World Trade Organization’s role in banking and finance
• A Study of the Relationship Between Corporate Strategy and Capital Structures
• Contrasting global, multinational banks with regional businesses
• Preventing Repetitive Economic Collapse in National and Global Finances
• The Motivations for Becoming International Expats All Over the World
• The Difference Between Islamic Banking and Other Religious Denominations in Banking and Financial Habits
• How Can Small-Scale Industries Survive the Global Banking Demands?
• A Study of the Economic Crisis’s Impact on Banking and Finance
• The Impact of the International Stock Exchange on Domestic Bank Transactions
• A 2025 Projected Report on World Trade and Banking Statistics
• How Can We Address the Issue of the Government’s Financial Deficit in Banking?
• A Comparison of Contemporary and Classic Business Models and Companies’ Banking and Financial Habits
• Which of the following should be the principal area of money investment that has arrived at the bank in the form of deposits?
• How to strike a balance between investing money in various plans to generate a profit and managing depositor trust
• What are banks’ responsibilities to their depositors, and how may such liabilities be managed without jeopardising depositor trust?
• How the new banking financing laws enacted by governments throughout the world are better protecting depositors’ rights?
• What is the terminology related to banking finance, which oversees the investment of deposited funds as well as the banks’ responsibilities to depositors?
• Explain the most recent developments in research related to the topic of banking finance
• How research in the banking finance industry assists governments and banking authorities in properly managing their finances?
• What is the most recent credit rating software that assists in determining the rewards and dangers of investing bank funds in the stock market? 
• How banking finance assists the world’s top banks in managing consumer expectations and profit?
• The negative impact of a manager’s poor management of a bank’s banking financing
• Is it feasible to conduct a banking firm without the assistance of banking finance management?
• What are the most significant aspects of banking financing that allow businesses to develop without constraints?

The importance of banking finance cannot be overstated. These are only a few of the most extensive subjects on which you may write a banking and finance dissertation. Remember that if you want to succeed in your studies, you must be able to offer reliable numbers and facts on the history and current state of banking and finance throughout the world. Otherwise, you will very certainly be unable to justify your study effectively. We hope you can take some inspiration and ideas from the above banking and finance dissertation topics .

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120+ Creative Insurance Project Topics For Students In 2023

Insurance plays a pivotal role in safeguarding individuals and businesses from unforeseen risks, offering a protective financial cushion in times of need. However, in academia, students often delve into the intricacies of insurance through dedicated projects. These insurance projects serve as essential tools for grasping the nuances of risk management, finance, and more.

But what exactly is an insurance project? It’s a comprehensive exploration of various facets of insurance, shedding light on principles, practices, and real-world applications. The importance of such projects for students cannot be overstated, as they provide a practical understanding of a vital industry.

In this blog, we’ll delve into the world of insurance projects, discussing their types, 120+ creative insurance project topics for students in 2023, essential components of a quality project, and the challenges and opportunities that await. Stay tuned with us to explore the dynamic realm of “insurance project topics.

What Is An Insurance Project?

Table of Contents

An insurance project is like a special school assignment where you learn about how insurance works. It’s a bit like when you study history or science, but here, you’re studying how insurance helps people and businesses. You look at things like how insurance companies calculate prices, why people need insurance, and how they pay when something goes wrong.

In an insurance project, you might also investigate different types of insurance, like car insurance or health insurance. It’s a bit like exploring different flavors of ice cream – each type of insurance is unique, and you get to understand how they work. Overall, an insurance project is like a learning adventure where you become a detective, figuring out how to protect people from bad things that can happen in life.

Types Of Insurance Projects

Insurance projects encompass a wide range of endeavors designed to provide individuals and organizations with financial protection against various risks and uncertainties. These projects are essential in mitigating potential losses and promoting economic stability. Here are some common types of insurance projects:

1. Life Insurance Projects

Projects involving life insurance entail drafting policies that, in the case of the policyholder’s passing, give beneficiaries financial support. These policies can be term life insurance, whole life insurance, or universal life insurance, each with distinct features and benefits.

2. Health Insurance Projects

Health insurance projects focus on developing and managing policies that cover medical expenses, ensuring individuals have access to quality healthcare. These projects often include collaborations with healthcare providers and regulatory compliance.

3. Property and Casualty Insurance Projects

Property and casualty insurance projects deal with protecting individuals and businesses against property damage, liability, and legal expenses. Examples include homeowners’ insurance, automobile insurance, and liability insurance.

4. Commercial Insurance Projects

Commercial insurance projects cater to the unique needs of businesses, providing coverage for property, liability, and other specialized risks. This category includes commercial property insurance, business liability insurance, and workers’ compensation insurance .

5. Reinsurance Projects

Reinsurance projects involve insurance companies seeking coverage for their own risk exposure by transferring a portion of their policies to other insurers. This helps manage their financial stability and protect against catastrophic losses.

Importance Of Insurance Projects For Students

Here are some importance of insurance projects for students: 

1. Practical Learning

Insurance projects provide students with hands-on experience, helping them understand how insurance works in the real world. It’s like learning to ride a bike by actually riding one – students get to see insurance principles in action, making their knowledge more practical.

2. Risk Management Skills

These projects teach students about handling risks wisely. Just like a superhero who knows how to protect people from danger, students learn to protect businesses and individuals from financial risks by studying insurance.

3. Financial Literacy

Insurance projects help students become money-savvy. They learn how insurance can save people from big financial problems and how to manage their own money better in the future. Additionally, the advent of bizinsure Insurance Fintech is revolutionizing how these financial challenges are approached and resolved.

4. Problem-Solving Abilities

Students develop problem-solving skills when they explore different insurance scenarios. It’s like a puzzle where they figure out how to make things right when something goes wrong.

5. Career Opportunities

Understanding insurance through projects can open doors to various job opportunities in the insurance industry. It’s like having a map that shows them different paths to take in their future careers, making it an important step for their professional growth.

In this section we will discuss 120+ creative insurance project topics for students in 2023:

Life Insurance Project Topics

• Actuarial Analysis of Life Insurance Policies
• Consumer Behavior and Life Insurance Choices
• The Impact of Medical Underwriting on Life Insurance Premiums
• Assessing the Role of Life Insurance in Estate Planning
• Evaluating the Tax Implications of Life Insurance Products
• Analysis of Mortality and Morbidity Trends in Life Insurance
• Innovation in Life Insurance Products: Trends and Implications
• Market Penetration of Life Insurance in Developing Countries
• Customer Retention Strategies in the Life Insurance Industry
• Risk Management in Life Insurance Companies

Health Insurance Project Topics

• Comparative Analysis of Health Insurance Plans
• The Affordable Care Act’s Effect on Health Insurance Markets
• Health Insurance Fraud Detection and Prevention
• Telemedicine and Its Role in Health Insurance
• Mental Health Coverage in Health Insurance Plans
• Health Insurance and Healthcare Utilization Patterns
• Long-Term Health Insurance: Needs and Challenges
• International Perspectives on Health Insurance Systems
• Health Insurance and Healthcare Disparities
• Health Insurance and the Aging Population

Property and Casualty Insurance Project Topics

• Catastrophic Risk Modeling in Property and Casualty Insurance
• Claims Management and Fraud Detection in P&C Insurance
• Data Analytics and Predictive Modeling in Property Insurance
• Automobile Insurance Pricing and Risk Assessment
• Climate Change’s Effect on Property Insurance
• Cybersecurity Risks and P&C Insurance
• Liability Insurance for Businesses: Coverage and Trends
• Reinsurance Strategies in Property and Casualty Insurance
• Telematics and Usage-Based Insurance in the Auto Industry
• Emerging Risks in Property and Casualty Insurance

Commercial Insurance Project Topics

• Risk Assessment in Commercial Property Insurance
• Business Interruption Insurance: Claims and Controversies
• Workers’ Compensation Insurance and Occupational Health
• Liability Insurance for Small Businesses
• Insurance Needs of the Hospitality Industry
• Supply Chain Risk Management and Commercial Insurance
• Insurtech Innovations in Commercial Insurance
• Key Considerations for Commercial Property Valuation
• Business Continuity Planning and Commercial Insurance
• Commercial Fleet Insurance and Vehicle Safety

Reinsurance Project Topics

• Reinsurance Market Dynamics and Trends
• Risk Management Strategies for Reinsurance Companies
• Catastrophe Bonds and Alternative Risk Transfer
• Reinsurance Underwriting and Risk Selection
• Retrocession and Its Role in Reinsurance
• Reinsurance Pricing Models and Actuarial Methods
• The Impact of Regulatory Changes on the Reinsurance Industry
• Reinsurance and Solvency II Compliance
• Mergers and Acquisitions in the Reinsurance Sector
• Role of Reinsurance in Managing Emerging Risks

Specialty Insurance Project Topics

• Specialty Insurance Products and Market Niche
• Environmental Liability Insurance: Challenges and Opportunities
• Kidnap and Ransom Insurance: Trends and Case Studies
• Fine Art and Collectibles Insurance: Valuation and Coverage
• Space Insurance and Coverage for Satellite Launches
• Event Cancellation Insurance in the Entertainment Industry
• Specialized Insurance Needs in the Energy Sector
• Identity Theft and Cyber Insurance Coverage
• Political Risk Insurance in International Trade
• Unique Risks and Innovative Solutions in Specialty Insurance

Crop and Agriculture Insurance Project Topics

• Crop Yield Risk Assessment and Insurance
• Weather Index Insurance in Agriculture
• Impact of Climate Change on Crop Insurance
• Government Subsidies and Crop Insurance Participation
• Crop Insurance and Sustainable Agriculture Practices
• Challenges in Insuring Specialty Crops
• Livestock Insurance and Disease Outbreaks
• Precision Agriculture and Its Role in Crop Insurance
• Agricultural Insurance and Food Security
• Risk Management in Organic Farming and Agriculture Insurance

Marine and Aviation Insurance Project Topics

• Maritime Insurance: Cargo and Hull Coverage
• Marine Pollution and Liability Insurance
• Aviation Insurance: Covering Aircraft and Airlines
• Terrorism Risk and Aviation Insurance
• Space Exploration and Insurance for Spacecraft
• Drone Insurance and Regulatory Challenges
• Maritime Piracy and Kidnap Insurance for Seafarers
• International Shipping Risks and Marine Insurance
• Aviation Underwriting and Risk Management
• Environmental Liability in Maritime and Aviation Insurance

Environmental and Pollution Insurance Project Topics

• Environmental Liability Insurance in Industrial Settings
• Pollution Cleanup Costs and Insurance Coverage
• Insurance Solutions for Environmental Contractors
• Emerging Contaminants and Their Insurance Implications
• Climate Change and Its Impact on Environmental Insurance
• Regulatory Compliance and Environmental Liability Coverage
• Environmental Insurance Market Trends and Challenges
• Assessing and Managing Liability in Brownfield Sites
• Green Building and Insurance for Sustainable Construction
• Case Studies of Environmental Insurance Claims

Personal Insurance Project Topics

• Homeowners Insurance: Coverage and Risk Assessment
• Auto Insurance: Pricing, Coverage, and Discounts
• Life Events and Personal Insurance Needs
• Umbrella Insurance Policies: Coverage and Benefits
• Personal Liability Insurance for Individuals
• Renters Insurance: Importance and Coverage Options
• Personal Property Insurance and Valuation
• Pet Insurance: Trends and Coverage
• Travel Insurance and Its Role in Vacation Planning
• Insurance for High-Value Personal Assets and Collectibles

Legal Expenses Insurance Project Topics

• Legal Expenses Insurance: Overview and Market Analysis
• Legal Aid and Access to Justice through Insurance
• Personal Legal Expenses Insurance: Benefits and Coverage
• Litigation Funding and Legal Expenses Insurance
• Insurance for Business Legal Expenses and Risk Management
• Regulatory Compliance and Legal Expenses Insurance
• International Perspectives on Legal Protection Insurance
• Cyber Liability and Legal Expenses Coverage
• Legal Expenses Insurance and Dispute Resolution
• Ethics and Legal Expenses Insurance in the Legal Profession

Long-Term Care Insurance Project Topics

• Long-Term Care Insurance: Market Trends and Challenges
• The Growing Population’s Requirement for Long-Term Care Insurance
• Medicaid and Long-Term Care: Interplay and Coverage Gaps
• Hybrid Long-Term Care Insurance Products
• Actuarial Considerations in Long-Term Care Insurance Pricing
• Alzheimer’s Disease and Long-Term Care Planning
• Regulatory Oversight of Long-Term Care Insurance
• Family Dynamics and Long-Term Care Decision-Making
• Home Care vs. Nursing Home Care: Insurance Implications
• Claims Management in Long-Term Care Insurance

Cyber Insurance Project Topics

• Cybersecurity Risks and the Need for Cyber Insurance
• Data Breach Insurance: Coverage and Risk Assessment
• Actuarial Models for Pricing Cyber Insurance
• Cyber Risk Management and Insurance Solutions for Businesses
• Regulatory Compliance and Cyber Insurance
• Ransomware Attacks and Cyber Insurance Claims
• Cyber Insurance Underwriting and Risk Selection
• Emerging Cyber Threats and Insurance Implications
• Cyber Insurance for Small and Medium-Sized Enterprises
• Reinsurance Strategies in the Cyber Insurance Market
• MBA HR Project Topics
• Health Related Research Topics

Essential Things That Must Be Present In A Good Insurance Project Topics

Here are some essential things that must be present in a good insurance project topic:

1. Relevance

A good insurance project topic must be relevant to real-life situations. Just like a story that makes sense, the topic should address current insurance issues or needs, making it useful and meaningful.

2. Clear Focus

The topic should be like a flashlight in a dark room, helping students see their way. It must have a clear and specific focus so that students can explore it thoroughly without getting lost.

3. Research Opportunities

An ideal project topic should provide room for research. It’s like a treasure hunt, where students can dig deep and find valuable information to enrich their project.

4. Practical Application

The chosen topic should be something that can be applied practically. It’s like learning to cook a new recipe; students should be able to take what they’ve learned and use it to solve insurance-related problems.

5. Educational Value

Lastly, the topic should be educational, helping students learn new things about insurance. It’s like a book that’s not just interesting but also teaches valuable lessons, ensuring students gain knowledge and insights from their project.

Challenges Face By Students In Insurance Projects

Undertaking insurance projects can be an enriching experience for students, but it’s not without its challenges. These projects often require a deep knowledge of complex financial concepts, extensive research, and critical thinking. Here are some common challenges students may face:

• Complex Terminology: Students may struggle with the jargon and technical language commonly used in insurance, making it hard to grasp the finer details.
• Data Collection: Gathering accurate and relevant data for analysis can be time-consuming and demanding, especially when dealing with real-world insurance scenarios.
• Mathematical Calculations : Insurance projects often involve intricate mathematical calculations , and errors can harm project accuracy.
• Industry Knowledge: A lack of familiarity with the insurance industry and its evolving trends can pose a significant challenge in producing well-informed projects.
• Resource Constraints: Limited access to resources like industry experts or databases can hinder in-depth research.
• Analytical Skills : Interpreting and analyzing data can be challenging, especially for students with limited experience in statistics and data analysis.
• Time Management: Balancing project work with other academic commitments can be daunting, as insurance projects demand thorough research and analysis.

Insurance project topics have shed light on the significance of these projects for students. We’ve discovered that insurance projects offer invaluable practical learning experiences, imparting essential skills like risk management and financial literacy. They provide doors to various opportunities and act as a stepping stone toward a future career in the insurance sector.

Furthermore, we’ve highlighted the crucial attributes of a good insurance project topic: relevance, focus, research potential, practical applicability, and educational value. With a repertoire of 120+ creative project ideas for 2023, students now have a roadmap to embark on their insurance learning journey. In the ever-evolving world of insurance, these projects empower students to navigate and contribute to this critical field.

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350 Banking Essay Topic Ideas & Examples

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• The 2008 Banking Crisis in the Documentary “Inside Job” Using the documentary “Inside Job”, the paper presented below asserts that the malpractices of different banking experts, the ethical dilemma revolving around ratings agencies’ actions, and the Gramm-Leach-Bliley and the Glass-Steagall Acts influenced the nature […]
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• Money and Banking: General Information The essay gives the definition of money and gives a brief description of the functions of money. As a store of value, money can be saved reliably and then retrieved in the future.
• Case of Westpac Bank & St. George Bank Merger The merger of the Westpac bank that is the member of the “Big Four” in Australia and the simple regional bank St.
• Wells Fargo Banking Scandal: Ethical Analysis The structure and the business model of Wells Fargo allowed the emergence of the working environment that incited the employees to unethical behaviors.
• Mobile Banking Adoption: Challenges and Solutions Therefore, the writer wishes to investigate the numerous impacts of mobile banking because the burgeoning phenomenon may entirely replace traditional banking in the near future, specifically in the UK.
• Citibank’s E-Business Strategy and Competences Citibank has incorporated the use of e-business in its operation so that it can meet the needs of its customers and to withstand the market pressures which have been changing drastically.this paper has established the […]
• Personal and Organizational Development in Banking My career plan is as in the figure below: – My career goal is to find a job in a bank and gradually grow through the ranks as I gain financial management related skills and […]
• Role of Central Bank If central bank offers credit to the banks at a higher rate, then the rate of interest that commercial banks will offer loans to the public will be high; this reduces the attractiveness of the […]
• Service Quality Model in Internet Banking and Finance The purpose of this paper is to undertake a comparative literature using five peer-reviewed articles discussing service quality in internet banking and finance and identify the main issues in the articles and relates them to […]
• Online Banking and Online Purchases The ethical implications of online banking and online shopping include the privacy of consumer information, the reliability of the transactions, and security.
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• Bank of America’s Business Model Elements The organizational structure leverages Bank of America in the following ways. Bank of America has categorized its throughputs into five categories, which are the core products, processes, and services offered.
• The Pros and Cons of Investment Banking The investment banks are also referred to as proprietors since they are involved in trading of marketable instruments using their own money as opposed to that of investors.
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• Competitive Advantage Source: Westpac Banking Corporation The competence of the company is the result of learning and searching for better solutions in this or that situation either in domestic affairs or in the market.
• The Shift From Physical Personal Banking to Online Banking I have chosen the topic “Investigation of how the Shift from Physical Personal Banking to Online Banking has affected Consumers” because online banking has made it easier to shop by eliminating the need to carry […]
• The Implications of Internet-Banking on Bank Profitability Centeno notes that “through the analysis of the Acceding and Candidate Countries, by adopting internet-banking, it demonstrates that lack of PC and penetration of internet services is an obstruction to the advancement of internet banking […]
• Safaricom’s Mobile Banking When Safaricom launched M-PESA, it commissioned agents in different parts of the country; the agent’s work was primarily to receive deposits from customers and electronically transfer this to the client’s M-PESA account.
• Islamic Banking The involvement of institutions and government led to the application of theory to practice and resulted in the establishment of the Islamic banks”.
• Leadership at Qatar National Bank This paper examines in detail the phenomenon of leadership and its classic types in the light of improving the overall effectiveness of the work team.
• Hongkong and Shanghai Banking Corporation: Approach to Operating in China According to Luthan and Doh, centralization played a significant role in HSBC’s success in the new market. It was also the first company to establish a locally incorporated entity in Taiwan and Vietnam.
• The Bank of America Corporation: Planning & Organizational Analysis The Bank may use environmental adaptation planning activities to enhance external relations with stakeholders such as customers, governments, suppliers and the public.
• Standard Chartered Bank: Problems and Solutions The Standard Chartered Bank was formed in 1969 after the merger of two banks The Standard Bank of British South Africa, established in 1862, and The Chartered Bank of India, Australia, and China established in […]
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• Cryptocurrency and Its Impact on the Banking Industry Advanced coding is used to store and transfer cryptocurrency data between the wallet and a public ledger, and encryption is used to confirm transactions.
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• Impact of Cyber Crime on Internet Banking The paper evaluates a con article on ‘The impact of cybercrime on e-banking’ [1]. H2: Identity theft will have a negative impact on the adoption of electronic banking.
• Digital Trends & Sustainability in Banking It would be accurate to refer to banking as the financial hub of the economy because it is a major industry in the service sector.
• The National Bank of Kuwait’s Improvement However, the constant improvement of technology and the introduction of innovations forced the bank to reconsider its policy and introduce a new system.
• Ransomware in the US Banking Industry The mismatch can lead to a lack of trust and reputational damages. Data pertaining to the business plans and visions can also be accessed, making it vulnerable.
• The Role of Technology in Investment Banking The role of technology in an investment bank is to reduce costs, evaluate opportunities with regard to investment, optimize processes, and manage risks.
• The Discussion of the Bank of England The Bank of England represents a centralized structure that has the right to regulate other banks across the country. This is a basic process that helps the Bank of England maintain a healthy balance between […]
• Interpersonal Leadership Skills in Bank of America However, it is clear that the issue is not the demographics but the inefficient leadership in the company and the lack of interpersonal skills that would make people want to work at Bank of America.
• Big Data Analytics in Central Banking In addition, the rate is integral to the overall cost of living, which parameter is in a cause-and-effect relationship with inflation.
• Workplace Inclusivity at International Bank of Commerce Even if employees of color do not ascribe significance to the unequal distribution of power in the bank, the lack of diversity is evident.
• Abu Dhabi Commercial Bank PJSC The discussion takes a general overview of the company, its mission and vision statements, strategic goals, and key objectives. The key objectives Abu Dhabi Commercial Bank wants to realize include: Growing transaction volumes and assets […]
• Banking System: The Brief Analysis This is a fictional story that comes perilously near to the reality about the basic foundations of modern society. The primary objective of this story is to demonstrate reality’s simple math and the existing banking […]
• Bank Pekao S. A.: Performance and Strategy Compared to its peers in Poland, Bank Pekao is uniquely placed as it launched a brokerage house and made practical biometrics technology in the banking industry, contributing heavily to the bank’s assets quality and investment […]
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• Case Study of Hong Kong Shanghai Banking Capital From HSBC’s perspective, money laundering represents one of the most significant internal risks due to the worldwide presence, especially in certain economic areas with facilitated financial regulation and considerable economic influence, such as Hong Kong […]
• Risk Factors Affecting Bank Nordik’s Operations and Risk Management Control measures adopted by the firm to manage these risk categories are explored in this investigation and the findings used as a justification for the development of a robust risk management plan.
• The Albilad Capital Bank’s Mission and Vision Since the bank is striving to renew its mission and vision from the start, it is crucial to identify the values and vectors of direction.
• National Australia Bank’s Sustainability Challenges One of the reasons for the success of NAB is the overall strategy of the company, which focuses its capital management on adequacy, efficiency, and flexibility, maintaining the economic balance to support and strengthen the […]
• Aspects of Electronic Banking The significance of our study is in the critical issues of e-banking and the areas of improvement that the banks can eliminate or improve to boost customer satisfaction.
• The Lebanese-Canadian Bank’s Money Laundering The bank was later banned from using the dollar by the American treasury; this resulted in the collapse and eventual sale of the bank.L.C.B.had to pay a settlement fine of one hundred and two million […]
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• Political Theories and the World Bank Known as ‘power politics’ or means to exercise power World Bank massive financial institution which poorer nations depend on for subsidies Manner of soft power of the richer states contributing to the World Bank […]
• Misconduct in Banking, Superannuation and Financial Services The company was included in the Royal Commission report due to ASL and NM releasing the trustee duties of their funds because of the AMP Group membership.
• Sexual Harassment in Meritor Savings Bank vs. Vinson Case Mechelle Vinson, a defendant and a former employee of the plaintiff bank, filed a lawsuit against the bank and its bank manager Sidney Taylor. Sidney Taylor was the vice president of the bank and the […]
• Considerations in Investment Banking However, to ensure a fruitful outcome, the CFO should choose a qualified and experienced investment banker to represent the facility. Secondly, the selected investment banking firm is expected to act as both a matchmaker and […]
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• A Problem in Implementation of CSR in the U.S. Banking Industry Corporate social responsibility is essential in this age of intense globalization and competition – essential for firms to survive in the competition and also important for firms.
• Digitalization of E-Commerce in Bank of Ireland The interview with the Senior Director in the Property Finance division of Corporate Banking, Michael Murray, revealed the importance of the advance of digitalization for the Bank of Ireland. These and other technologies will enable […]
• The 1920 Farrow’s Bank Failure and Its Causes In this context, the company would be resilient to any stresses, and the outcome of the situation may be the opposite.
• Banking: Financial Transaction Risks In that case, even the losses-free termination of the transaction would be a failure since the goal of acquisition would remain unachieved.
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• Customers’ Perceptions of M-Banking To find answers pertaining to the major objectives of the study, the gathered data was analysed using SPSS v.23. An exploratory factor analysis was run to group the existing variables into factors, and also to […]
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• The Bank of Toroda: A Stakeholder Approach “Stakeholders are persons, organizations and groups that have to be considered by managers, directors as well as front office workers.”
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• Impact of Online Banking on Dubai International Bank DIB has developed t-banking (telephone banking), e-banking (electronic banking) and m-banking (mobile banking) from this trend.
• Phishing Victimization on Internet Banking Awareness Therefore, the study is meant to determine and evaluate consumer susceptibility to e-banking victimization through phishing attacks. Subsequently, the study will be designed to evaluate the effectiveness of phishing victimization training to E-banking consumers.
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• Banking Institution and Transaction Regulations In the case of Brittany, it is the duty of the bank to authenticate all transactions on her account. In the process of negotiation, most parties often focus on the substance of the deal and […]
• Bank of America’s Strengths and Weaknesses Interestingly, even non-banking institutions such as Quicken Loans and Leader Bank have started to claim a share of the market held by Bank of America. The root cause of the Bank’s mortgage troubles emanated from […]
• Bank of America’s External Analysis in 2013 Among the major lenders in Massachusetts, for instance, Bank of America was the only bank that recorded a notable decline in the volumes of purchase and refinancing loans relative to other years. Apparently, competition has […]
• Sales Portfolio: A Bank Mortgage and Marketers Although a mortgage has several advantages to both the commercial institution and the customer, it has its share of disadvantages. Many clients are reluctant to take up a mortgage because of the high interest rates.
• Banking With WikiLeaks If Wiki Leaks has the right to be served by a financial institution, the company must ensure that it does not harm the operations of the institution.
• The Essence of the Islamic Banking System Riba of the Quran is called Riba An-Nasiyah and riba of the of Sunnah is called Riba Al Fadl. In the context of Islamic banking system, gharar is excessive uncertainty.
• Factors Effecting Bank – Borrower Relationship in UAE The Middle East region’s banking industry is one of the fastest growing in the world. It is projected that the industry will get even better in the future due to the nature of the business […]
• Bank of China Limited: Overview That said the objective of my effort is to present a report on the Bank of China’s IPO of 2006. This listing was exceptional since it was the only bank of China that had managed […]
• Banking Industry: Successes and Failures These banks are regulated by the federal government and are required to be members of the Federal Reserve. However, these banks are not compelled to be members of the Federal Reserve.
• Mortgages Offered by the RBC Royal Bank From your profile and to the best of my knowledge, I take pride to inform you that we have five financial investment products that best suit you.
• Banking and Financial Markets: Asset-Backed-Securities Thus, there are four notable main stages in the process of creating the asset-backed securities and these include: Segregation of assets from originator or seller Creation of a specialized functional vehicle to seize the asset […]
• Analyzing and Managing Systematic Risks in Banking Risk assessment is done to ascertain the nature of task before deciding the strategy of responding to it. Analysis and management of risks requires one to identify the nature of the risk involved.
• Islamic Banking in Dubai and the UAE In an Islamic environment, the approach to financial operations such as the law of contracts, nature of property, interest rates and business transactions is quite different from the rest of the world.
• Deutsch Bank Analysis and Performance Forecast The big bonus for banks came in the form of the Securitization Bill, which gave banks and institutions opportunity to recover from bad debts.
• International Banking: New Basel The combination of the four changes in 2004 intended to speed up off-balance sheet mortgage securitization as the main avenue to drive the revenue together with the share price of banks.
• Barclays Bank: Management Accounting Report This team assists the management in the gathering of information that is unilaterally used in management accounting to address specific challenges in the bank.
• BNP Paribas International Banking Networks In the United States, the bank has a strong presence in the western part of the country, whereas, in Asia, it has fixed a secure and fast-growing business.
• Riyadh Bank: The Historical Financial Analysis By the end of the third quarter of the year 2011, the organization has recorded a 15% increase in its net profit.
• Budgeting of HSBC Bank UAE Branch Looking at their financial statements one will note that they are quite detailed with lots of financial items, which are specific to the bank, and understanding them requires referral to the notes accompanying the financial […]
• Westpac Banking Corporation Analysis and Forecast The entry of foreign banks as well as the building societies which were speedily developing into banks and the emergence of other financial institutions increased competition in the Australian financial market.
• The Analysis of Banorte Bank in Mexico The scrutiny of the bank’s fundamentals and variables of the bank form part of the report. Financial analysis and forecast of the bank’s financial performance is the major objective of the report.
• Case on Private Equity in Saudi American Bank The problem was that the firm’s investment manager was investing for the first time and therefore, he had many questions to ask before he finally made the decision to invest in the company.
• Commercial Banks and the Northern Rock Crisis Bank Roles Prior to the actual analysis of the case of the Northern Rock bank is a brief background that elaborates the scenario of the Northern Rock Bank Crisis.
• Bank (HSBC) and Life Insurance Company (Protective) The report also investigates the profitability of the two companies, the metrics used to measure profitability, variation in the last five years and the reasons for these variations.
• Investment Banking and Operations Management In a steady market, the bank uses the information conveyed in prices of assets to significantly allocate capital resource to the most profitable and ultimate use.
• Investment Banking and Global Operations Management Essentially, banks engage in securitization process to increase their uncertain profit opportunities and also to adjust their asset portfolio Entering into the security markets through the perspective of the original financial institution is of great […]
• Online Banking and Cryptographic Issues A disadvantage of online banking is that it inherently reduces the interaction between banks and their customers and in addition, security is not guaranteed in this type of banking, that is, hackers have a chance […]
• The Failure of Superior Bank The crisis in Superior Bank was associated with the fact that the directors failed to observe and address risky financial management strategies that were followed in the organization, and the regulators did not pay much […]
• Criminal Law & Bankruptcy: Bullard vs. Blue Hills Bank The action by the court caused Bullard to appeal against the decision to the BAP to which the BAP concluded that the denial was not the final.
• Time Value of Money: Choosing Bank for Deposit The value of the money is determined by the rate of return that the bank will offer. The future value of the two banks is $20,000 and $22,000 for bank A and bank B respectively.
• First Citizens Bank’s Financial Income in North Carolina The income analysis pertains to a comparison of the profit, revenue, income and profit of the institution in the recent year for analysis on the position of the company.
• Financial Risk Management in Islamic Banking Ahmed defined Islamic financial as a system of finance based on principles of Islamic banking, and that operates under the ethics of Islamic teaching.
• Finance & Banking: Blades Corporation This is because of the volatility of international currencies and the risk that the changes in the value of the currencies will result in a loss from trade receivables and/ or payables depending on the […]
• The Role and Functions of Law in the Banking Industry The first part provides answers to questions regarding the Cipollone versus Liggett Group case, the second part discusses the role and functions of law in the banking industry, and the third part looks at future […]
• The Crime of Robbing the Big City Bank Combined with eyewitness testimony and video evidence, it can be stated beyond all doubt that Clark was guilty of the crime.
• Citi Bank: Business and Corporate Law The enforces a number of Acts that include the Investment Advisers Act of 1940, the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940, and the Sarbanes Oxley […]
• The Banking Industry: Brief Analysis They include the open market operations that are meant to regulate the amount of money in the reserve. This is important because it influences the transactions in the other parts of the economy, such as […]
• First Gulf Bank Financial Activity The retail bank consists of accounts, deposits, credit cards, safe deposit lockers, loans and mortgages; the First Gulf Bank is the largest bank in United Arab Emirates with shareholder equity of over AED 20 billion […]
• Forecasting of National Bank of Greece (Nbg Bank) Current liabilities are short term obligations that occur in the course of running the firm and have direct associations with sales.
• Banking Analysis: Review The chart shows a continuous increase, with a few years of drop; but the scale of the chart for the most part is upward. The trend of consolidation comes across in the presentation of the […]
• Islamic Finance and Banking. Basic Islamic Principles The Islamic banks approach to lending is very unconventional in that the bank does not give out the loan to a borrower per se, but instead acquires the asset on behalf of the borrower who […]
• World Bank Mining Industry Forecast Therefore, this document will use the data provided by the bank to give a projection of mining, in a global capacity.
• Corporate Cyber Risk Assessment: Bank of America Arguably, one of the most epic accomplishments of the 21st century was the invention of the computer and the subsequent creation of the internet.
• The Economy: The US Banking System Capital formation refers to the distraction of the economy’s productive capacity for the creation of capital goods which eventually increase the productive capacity in the future.
• Banking Contract and Fiduciary Obligations The paper explores the relationship between a bank and a customer from the perspective of fiduciary obligations of a banking contract.
• Bank Loans and Deposits Role in Saudi Arabia Monetary System The major feature of Islamic banking is confined to the bank’s concept of Profit and Loss Sharing, in this arrangement the banks depositors are strictly speaking not creditors to the bank per se, but rather […]
• Case Analysis on Banking Industry of Germany The globalisation and competition of the banking industry have increased because of the growing importance of banking in the marketplace. The decisions of Basel II and the EU for public sector banking and capital markets […]
• Bank Fraud: Easyloan Bank Ltd and ABC Pty Ltd This is similar to the situation in the US where the office of the Attorney and a section of the Criminal Fraud Department of Justice handles mortgage prosecution cases.
• Unremunerated Reserve Requirement Policy: Central Bank of Thailand Under the impact of the World War II, the government of Thailand upgraded the status of the Bureau to that of a central bank by passing the Bank of Thailand Act in the year 1942.
• Solvency Risk and Liquidity Risk of a Bank Differences The aim of this report is to identify the meaning of the solvency risk, liquidity risk, credit risk, dynamic provisioning, and the effective control of the solvency risk besides the problems which the bank encounters […]
• The Banking Crisis of 2007-2010 The role of Credit Rating Agencies in the subprime mortgage-related securities market turmoil was scrutinized by the Securities and Exchange Commission.
• Banco Popular Español and the Saudi Investment Bank In this paper, the analysis of two banks and their risk management will be given: Banco Popular Espa ol S.A.with its abilities to take care of liquidity, credit, and other risks and the Saudi Investment […]
• Comparative Study of Conventional and Islamic Bank Performance in the GCC Segregated by bank group and criterion variable, the correlation-based shortlist of independent variables are as shown in tables 1 to 3 below and overleaf.
• Economic Development as the Key Driver of Global Private Banking and Wealth Management Industry The reverse reality of salient features of wealthy people in different parts of the world is the observation that the vast majority of the populace live in poor and deplorable conditions.
• Bank of America: The Staffing Process The effectiveness of staffs recruited in the bank depends on the ability of the bank to recruit the most suitable employees.
• The Royal Bank of Canada: Investment Analysis and Management As a result, the regional bank grew to a national bank and this success is not only attributed to the strategies of the institution itself but also the role played by the people of Canada […]
• Comparison Between Saudi Hollandi Bank Suk vs. Bank Bonds Besides, another factor is that through investments in such bonds, the investor gains certain amount of ownership in the assets of the company in the extent of his investments, which unfortunately is not possible in […]
• UBS Investment Company in the Swiss Banking Sector The relation of the Swiss banking industry with Swiss economy and the future aspect of investment in the industry are discussed.
• Saudi Banking Industry and Riyad Bank’s Performance In this context this paper analyzes the performance of the Saudi banking sector during the period from 2003 to 2007 in general and that of Riyad Bank, one of the major players in the Saudi […]
• Fransi Bank’s Financial Analysis and Forecast The financial analysis reveals the financial performance of the bank and the key factors that help the bank to be a leading organization in the industry.
• UK Banking Sector Recovery Plan The objective of the analysis is to identify the possible benefits, weaknesses and implications of the plan to the British economy.
• Three Financial Ratios for Stock Investor and Bank However in the stock investor will be looking for a long-term capital gain, the equity debt becomes more important since the stability of the company would be more important than the current liquidity.
• Changes in the UK and US Banking Industry In the 1980s the US banking industry experienced increased transformation to the regulation of the financial institution by the Federal bank.
• Al-Rajhi Bank of Saudi Arabia vs. Dubai Islamic Bank For the purpose of our assignment, we will use values of the total share capital of the year, the profit for the year, and the dividends paid to the shareholders of the banks.
• The Bank of England and the Financial Services Authority One of the most crucial changes that the agreement effected was the removal of the supervisory and regulatory role of banks from the Bank of England to the FSA.
• Trails to Success: Bank of America
• Performance Evaluation of Al Rajhi Bank
• Ethical Implication of Banking Bailout
• Corporate Security Strategy: Financial Risks in Banking Sector
• Customer Service Improvement Project at Qatar National Bank Evaluation
• Commonwealth Bank and the Bank Technologies
• Theft and Workplace Problems: The Accidental Bank Robbery
• Why Do Banking Policies Need To Keep Up With The Times?
• Chase Bank Company Analysis
• Creditpia’s Banking Sector
• Reforms Necessary in the Banking System
• Lloyds and Northern Rock Bank Buildings Semiotic Analysis
• Goldman Sachs Bank in Economic Turmoil
• HSBC – Criticised Over Their Banking Methods
• Background About Garati Bank in Turkey
• Home Loan Offered by Bank of America Corporation (BAC)
• Total Quality Management in Abu Dhabi Commercial Bank
• CRM Implementation Project for the Bank
• Abu Dhabi Commercial Bank: Corporate Governance Principles
• Bank Reporting System. Guidelines and Rules
• The World Bank: Definition and Activity
• Network Information and Activity Times in Banking Firm
• Business Strategy: Mountain Bank
• Andrew Jackson and the “Bank War”
• Diversity of Employees in the Boston Bank
• Adopting a New IT Strategy in SBI Bank
• Bank of America: Loans
• Kiboko Bank: Business Ethics Issue
• Grameen Bank’s Concertive Control Systems
• Bahrain’s Al Salam Bank’s Offer for Bahraini Saudi Bank
• IMF and World Bank: A Boon or a Bane for Developing Nations?
• Young Depositors and Face-To-Face Banking
• Threat of New Entrants to Commercial Banking Industry
• Oil Pricing and Demand in Connection With the US Banking System Position
• Production & Organization Management in a Refinancing Organization
• “Crossing the Green Line Between the West Bank and Israel” by Avram S. Bornstein
• The Banking Concept of Education
• World Bank – IMF and the United Arab Emirates
• Current Problems of the Banking Industry
• The United States Banking Industry: Economic Profile
• Biometric Scanners in Banking Industry
• Money and Banking. Financial Markets
• “Banking and SME Financing in the United States” Review
• Integration of E-Commerce Websites in Banking Systems
• Global Banking Secrecy Toolkit
• Interstate Banking and Its Beneficiaries
• Banking in Saudi Arabia: Main Facilities, History, and Future
• “Data Mining and Customer Relationship Marketing in the Banking Industry“ by Chye & Gerry
• Kuwait’s Banking Sector Overview
• Competitive Advantage in the Banking Sector
• Global Reputation and Competitive Advantage in Banking
• International Banking System
• Hongkong and Shanghai Banking Corporation in Qatar
• Banking and Finance in Australia: Preventing Collapses
• China-US Competition in the Banking Sector
• “A Century of US Central Banking” by Bernanke
• Gambling, Fraud and Security in Banking
• High-Risk Gambles Prevention in Banking
• Corporate Social Responsibility: JPMorgan Chase and Barclays Pls Banking Scandals
• Banking and Risk Management
• Banking Systems Success in Canada and Australia
• Banking and Monetary Policy During Recession of 2008-09
• Dubai Macroenvironmental Analysis for Banking
• Banking: Interest Rates and Credit Creation Process
• Banking in David Ashby’s “Money Mechanics”
• Banking Sector in the State of Kuwait
• International Banking Sector: Financial Regulation
• Kuwait Economy and Corporate Governance in Banking Sector
• Bond Market and Banking in Gulf Countries
• Customer Satisfaction Management in Banking Sector
• Westpac Banking Corporation Risk Management Policy
• Citigroup: Credit Default Swaps in the Banking Industry
• Risk in Banking Internal Control System
• Hong Kong and Shanghai Banking Corporation’s Entry Into Japan
• Banking Instability During the Global Financial Crisis
• Satisfaction Management in Banking Industry
• Hong Kong and Shanghai Banking Corporation Holdings
• Retail Banking Products and Services
• Banking Industry Guidance
• Employee Turnover Rate in UAE Banking Sector
• Islamic Banking: Sales and Lease-Centered Models
• Arbitration in Islamic Banking and Finance Dispute
• Chief Information Officer’s Role in E-Banking
• The Shadow Banking System: Financial Crisis Source
• China Banking Supervision System: Defects and Improvement
• Online Activity of Banking Sector in the UAE
• Operational Risk in Conventional and Online Banking
• UAE Banking Industry’s Status in a Global Context
• Customer Engagement in the Greek Retail Banking Sector
• Landsbanki Banking Analysis and Bank Alternatives
• Kenya as a Leader in Mobile Banking of the World
• Resistance to Change in Banking Orhanisations
• Resistance to Change in the Banking Sector
• Customer Service in the UAE Banking Sector
• Australia and New Zealand Banking Group Management
• Corruption and Ethics in China’s Banking Sector
• Islamic Banking Principles and Relevance
• Islamic Banking: Tools and Techniques
• The Banking Industry and Interest Rates
• Islamic Banking and Financial Markets Critical Issues
• JP Morgan Chase’ Banking Analysis
• Banking Institutions Improvement
• Money’s and Banking’ Concepts
• The Basel Committee Role in Banking
• China’s Banking Sector Analysis
• Greenbelt Banking Company’s Human Resource Management
• Islamic Banking Principles
• Boosting Sales in Retail Banking for 2012
• Banking Regulation and Taxation
• UAE’s Banking Industry Analysis
• Money and Banking: The Economic Recession of 2007
• The Russian Banking Sector
• The Use of CRM in Australian Banking Industry
• Money and Banking: David S. Ashby’s Perspective
• Sustainable Development: The Banking Sector
• Big Four: Banking in China
• Banking Credit Risk Management
• How to Keep Customers Loyal to Online Banking
• Banks, Bank Firms and Financial Intermediaries
• Market-Based Versus Bank-Based Financial Systems
• Bank Mergers and Cost of Capital
• Managing People in the Bank of America
• Projected Customers Maintaining Strategies in Banking Industry
• The Banking Industry in the United Arab Emirates
• IPScape in the Australian Banking Sector
• Bonus Banking: Case of UBS
• Crossvergence in the Banking Industry
• Ameribank and Online Banking
• Benchmarking in the Investment and Banking Sector
• Overcoming the Debt Crisis by European Banking Sector
• National Bank of Kuwait: Employee Appraisal Problem
• An Investigation of the Sustainable Benefits of Agency Banking in Kenya
• HSBC Bank’s Kenyan Entry Strategy
• The Basel Committee on Banking Supervision
• Bank of America and Silver A-Plus Card
• An Evaluation of the Economic Issues Identified in the ICB Report on Banking
• Comparison of the United States and Saudi Arabian Banking Sector
• Crisis in the Banking System of Korea
• Financial Industry Analysis on MCU Sustainable Banking
• Problems in Banking Regulation
• Central Banking and the Money Supply
• The Different Roles Played By the Central Bank, Depository Institutions, and Depositors in the Determination of Money Supply
• The UK Banking Practice That Led to Financial Crisis
• Is Bonus Banking the Answer?
• Human Resource Management at the Bank Alfalah
• Bank of America: Realizing Servant Leadership
• A Marketing Research on Mobile Banking
• The Too Big to Fail Phenomena in the Banking Sector
• Mobile Banking Innovation
• A Report on Customer Driven Marketing Strategy for Easy-Pay Mobile Banking Service
• HSBC Holdings: Chinese Banking Sector
• RBS Citizen Bank Culture and Change
• Federal Reserve; Money and Banking
• Employee Motivation Factors in Banking
• Crisis Management: Online Banking Security Breach
• Mobile Banking in Saudi Arabia: Towards Understanding the Factors that Affects the Sector
• Société Générale Bank: Effective Security Controls
• Banking Industry Analysis
• The History of U.S. Banking Crises: Cause and Effect
• What Is Current Research in Money and Banking?
• What Is the Study of Money and Banking?
• What Are the Advantages of Banking?
• U.S. Money and Banking: What Is the Key Issue Facing Us?
• What Are the Main Topics of Money and Banking?
• What Is the Best Research Topic in Money and Banking?
• What Is the Divergence Between Accounting Standards and Banking Regulation?
• What Were the Causes of the Banking Crisis of the 1930s?
• What Are the Types of Banking?
• What Is the Biggest Problem in Money and Banking?
• How Do I Choose a Topic for Research in Money and Banking?
• What Are the Most Important Money and Banking Services?
• What Is the Banking System Like in South Korea?
• What Are Some Good Thesis Topics in Finances and Banking?
• What Are the Money and Banking?
• What Are the Types of Money and Banking?
• Why Is Banking Research Important?
• What Are the Main Functions of Money and Banking?
• What Is the Main Role of Banking?
• What Do You Study in Banking?
• What Are Money and Banking Used For?
• Who Invented Banking?
• What Are Basic Money and Banking Skills?
• What Does Mobile Banking Need?
• What Are the Categories of Money and Banking?
• What Is the Purpose of Money and Banking?
• How Does Islamic Banking Work?
• What Is the Connection Between Accelerating Inflation and Decreasing Effectiveness of Banking Regulation?
• What Is the Role of Money and Banking in the Economy?
• What Are the Current Trends in Banking Industry?
• Chicago (A-D)
• Chicago (N-B)

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194 Banking Essay Topics

🏆 best essay topics on banking, ✍️ banking essay topics for college, 👍 good banking research topics & essay examples, 🌶️ hot banking ideas to write about, 🎓 most interesting banking research titles, 💡 simple banking essay ideas, ❓ banking essay questions.

• Information Systems Evolution in the Banking Industry
• Bank Street Curriculum: Implementation and Assessment
• Online Banking Fraud Risk Awareness
• Risk Management Strategies of Bank of America
• The Impact of the Internet on Banking
• Banking and Inventory Management
• Banking Merger, Its Benefits and Consequences
• DBS Bank’s Digital Transformation Strategy DBS is now one of the best banks to use in Asia. This study will analyze the strategies used and their effectiveness in digitizing the bank.
• Starling Bank’s Environment and Resource Analysis Starling Bank turned out to be a promising financial institution that appeared on the market, correctly assessing the main trends and joining them.
• Sustainable Solutions for the Bank of America Tower The following paper analyzes the current constraints present on the bank based on the building usage, the existing construction, the site, and the location.
• Barclays Bank’s Strategic Analysis Barclays Bank is among the largest financial services. The paper analyzes the bank’s external business environment, financial position, and recommendations.
• Bank of Credit and Commerce International Case When the branch offices of the Bank of Credit and Commerce International (BCCI) in seven countries were raided in early July 1991, one of the major bank scams involving billions of dollars was brought to light.
• Managing Employees Performance at HSBC Private Bank and Theoretical Analysis of Performance For a better understanding of Managing Employee Performance this paper would go for HSBC, the UK as a case study and then go for theoretical analysis.
• Transformational Leadership in Pakistan’s Banking Sector The report tries to explicate the degree of diffusion of transformational and transactional leadership across the banking sector in Pakistan.
• Barclays Bank’s Talent Management The Barclays Bank in Stanford has successfully organised its human resource management approach to internalise the aspects of employee equity.
• Standard Chartered Bank Managing Human Resources This report is a case study on Standard Chartered, and the strength-based approach in the bank has been discussed with its benefits and also disadvantages.
• Barclays Bank’s Decision-Making & Risk Management Barclays Bank has a clear and progressive vision of the decision-making process, with risk management being the most elaborate one.
• TD Canada Trust Bank’s Performance Management The performance management system implemented in the TD Canada Trust Bank corresponds to the international financial sector management standards.
• The Toronto-Dominion Bank in the Industry The Toronto-Dominion Bank measures its effectiveness using a personnel engagement score, optional labor turnover, and industry comparison.
• Bank Management and Business Report Analysis This report is prepared in the interest of a bank that is planning to increase their sales performance, with the aim to provide an opinion on how sales should be improved.
• The Structure and Functions of the World Bank The paper highlights the structure and functions of the World Bank and the United Nations in the global arena. It centered on the reasons behind the formation.
• HSBC Bank and Barclays Bank: Comparison and Risk Exposures This paper focuses on the evaluation of the financial performance of HSBC bank and Barclays bank since the start of the global financial crisis.
• HSBC Bank’s Staffing Change: Communication Plan This work shows the communication plan for the change in staffing at HSBC Bank, identifies its key trends, assumptions, and risks, and gives a SWOTT analysis of the organization.
• The Bank Robbery Crime Investigation The primary objective of securing the crime scene is to preserve all the evidence that can help trace and identify the bank robbery suspect.
• Information Technology and Banking Sector IT has influenced two dissimilar areas in banking, including communication and connectivity, together with business progression reengineering.
• The Goals of a Banking Institution The management should ensure that effective structures are in place to align the firm’s resource so that the aims and objectives are met.
• Co-operative Banking Group’s Enterprise Software The report illustrates how implementation of ERP system in Co-operative banking group will help in improving the firm’s accounting, inventory as well as logistics practices.
• Mobile Banking Development and Analysis Project This research will be discussing the application of a mobile banking application, its effects, and its benefits to the consumers.
• Mountain Bank’s Business Strategy Organizational profits rely on a good business strategic plan. For the case of Mountain Bank, the profits have been declining as a result of the poor business strategic plan.
• Time Management for Students in Bahrain’s Banking This research is aimed to study the opinions and attitudes towards time management among the students at Bahrain University and the country’s financial sector.
• Chinese Bank’ Human Resources Management The paper analyses HRM through an examination of new approaches, recruitment and selection, monitoring and rewarding at the Industrial and Commercial Bank of China.
• Benefits and the Challenges of Financial Restructuring for Bank Muscat – Oman Bank Muscat is a fiscal services company in Oman that offers retail banking, corporate banking, treasury, investment banking, asset management, and private banking.
• The Impact of the COVID-19 Pandemic on the Standard Chartered Bank This paper will explore the impact that the COVID-19 pandemic had on the Standard Chartered bank, the development of technology, and its influence on human resource management.
• Problems With Improve Bank Services Some of the problems that banks are likely to encounter while attempting to deliver solid customer service include privacy laws, fair lending policies, and debt securities.
• Corporate Governance in the Banking Industry Work utilizes the stakeholder theories and the stewardship presumption to shows how corporate governance contributes to higher standards of accountability in the banking industry.
• International Monetary Fund, World Bank, and World Trade Organization This paper studies three international financial organizations: the International Monetary Fund, the World Bank, and the World Trade Organization.
• Banking, Its Ancient and Modern History The history of banking dates back to Ancient Greece and the Roman Empire. The first prototypes were created by merchants around 2000 BC in Assyria and Sumeria.
• The Bain & Co. and the Old Family Bank Analysis This paper aims at a holistic and comprehensive analysis of Bain & Co. and the Old Family Bank from the point of view of internal and external aspects.
• Punjab National Bank Housing Finance Company: Case Analysis Punjab Nation Bank Housing Finance Limited has experienced stagnant growth since its incorporation with other partners in 1988.
• Island Banking Services: Cybersecurity Strategy and Implementation Plan This paper aims to describe the cybersecurity strategy and its implementation plan for Island Banking Services that is a firm that works in Financial Transactions Processing.
• Mergers and Acquisitions in the Banking Sector This paper discusses mergers in the banking sector, reasons for a wave of mergers between banks, and difficulties that acquiring banks may face in the future.
• The Effectiveness of the World Bank The World Bank has been ineffective in its roles because of the poor review of projects, weak implementation of organizational policies, and failure to alleviate extreme poverty.
• The Lehman Brothers Bank Collapse The main purpose of this study is to examine the financial crisis of 2008-2010 on public discourse with regard to the collapse of Lehman Brothers.
• World Bank’s Contribution to Sustainable Development Goals The essay examines the role of the World Bank in bolstering the Sustainable Development Goals measures to combat poverty and promote development.
• JPMorgan Chase Bank and Big Data The purpose of this paper is to analyze big data as technology concerning JPMorgan Chase and consider how it can be used shortly by this company.
• Analysis of Abu Dhabi Commercial Bank Abu Dhabi Commercial Bank is a full-service commercial bank that provides a broad range of products and services, for instance, retail banking, management of wealth and others.
• Corporate Social Responsibility in Bangladesh’s Banking Sector CSR practices by banks in Bangladesh not only enhance their accountability but also boost their success and influence the socially responsible behaviors of other firms.
• Waiting Lines Situation at Banking Organizations Hiring more personnel could be a solution to address the challenge of long queues at many facilities.
• International Logistics, Business, and Banking Conservative decisions are quite typical in the realm of financial operations for numerous reasons, the high possibility of a failure as a result of the lack of proper testing.
• National Australia Bank: Corporate Social Responsibility This paper explores corporate social responsibility through an analysis of a company selected from the database of the world’s most ethical companies.
• Finance: The Currency School-Banking School Debate The period of the 1840s in the history of the economic thought is characterized by a significant controversy observed between the Currency School and Banking School.
• Electronic Banking Services in a Qatar Bank The present research is based on the context of e-banking services in Qatar, a small country with abundant natural assets. Banks in Qatar have not been able to get the majority of customers.
• Investment Opportunity Analysis: British Banking Sector The Big Four British banks dominate the UK banking industry for a number of reasons, including their longevity, aggressive marketing, and service variety.
• The Effect of Finance as It Relates to Banking in Our Society The purpose of this paper is to analyze the effects of finance as it relates to banking in the Cayman Islands.
• Bank of Credit and Commerce International’s Criminal Activity This case provides adequate information on how BCCI bank was involved in a global financial crime of laundering billions of dollars globally.
• HSBC Bank Balance Sheet Analysis Financial accounts have different users; each user has specific needs they require from the accounts. Financial account users can be defined into two main segments.
• Analysis of Islamic Banking and Finance The purpose of this article is to consider the features of Islamic banking, as well as the principles on which the relationship between the bank and customers is built.
• Lloyd’s Tsb Bank Is Under Fire for Money Laundering Offense This research article discusses the role of the bank, either knowingly or unknowingly, in laundering the money obtained by cheating.
• Attempted Bank Robbery Criminal Justice Case The suggested case describing the plan to commit a crime of bank robbery is characterized by several elements that are commonly identified in crime attempts.
• COVID-19 Effects for Truist Bank With the spread of COVID-19, causing many Americans to lose jobs and see financial hardships, Truist would need to focus on how they can help their customers in their times of need.
• Macroeconomic Theory: Barclays Bank in the UK For purposes of this study, we will analyze how the national economy can affect the performance of Barclays Bank, a major Public Limited Company.
• St. George Bank: Human Resources and Entrepreneurship St. George Bank should also come up with new methods to access their customers and also new channels on which the customers can get their services.
• Analyzing Bank Performance: Risk Propositions This report points out some of the challenging circumstances that the banks and financial institutions may find themselves in if the crisis goes out of hand.
• Doha Bank Qatar’s Strategic Thinking and Leadership Doha Bank Qatar involves its departments together with external agencies and customer firms to incorporate innovation and focus on change to achieve success in its operations.
• Barclays Bank’s Innovative Managerial Practices One of the most vivid examples of Barclays’s encouragement of entrepreneurship processes is the LifeSkills program.
• National Australia Bank Analysis The national Australia bank has many programs which help it to adhere to the ethical regulations which govern all businesses in Australia.
• United States Banking Merger Relevance In the banking sector, mergers and takeovers have become very common. In this paper, the researcher will look at the relevance of banking mergers in the modern market.
• Customer Analysis via Entropy and Information Gain in Banking The introduction of big data analytics in the financial sector has provided bankers with countless opportunities to improve the quality of their services.
• The Basel III Agreement in Banking The paper discusses Basel III. It is a global regulatory agreement that mandates banks to maintain particular leverage ratios and reserve capital levels.
• Developing the Islamic Banking Cluster in the UAE The report’s mission is to develop the Islamic banking cluster in the UAE in order to be number one in Islamic Banking.
• Bank Reconciliation: Theft and Control Deficiencies Internal control is a vital process because it gives reasonable assurance about the activities of a company and compliance with laws and regulations.
• Credit Quality in Banking Lending and Investment This paper analyses the credit quality problems of banking institutions’ lending and investment decisions over the last 30 years.
• Barclays Bank’s Decision-Making and Leadership Barclays Bank Board comes up with the vision for the bank. It could be the expansion plans into the Middle East or the African continent.
• Bank of Japan’s Unconventional Monetary Policy In Japan, the supply of money is mainly controlled by the Bank of Japan with the help of monetary policy that is focused on inflation and interest rates.
• Evolution of Modern Banking: Middle Ages to Present The history of banking began around 2000 BCE in Assyria, Sumeria, and India when wealthy families kept gold and silver coins in their homes.
• The Central Bank Currency in the Monetary System The article examines the central bank currency in the monetary system. The people’s need to have control over money is the reason for the need for the central bank currency.
• Key Learnings for Banking Sector During COVID-19 The changing nature of the modern business environment requires considering organizational development (OD) practices.
• Information Gain in the Banking Sphere Information gain can be determined as a methodology that can be practically applied to the digitalization of payments in the banking sphere.
• CNP Bank Card: Case Analysis This paper focuses on the CNP bank card case, which aims to create a method for forecasting credit-card defaults and identifying potential client bases for various credit instruments.
• Information Gain and Entropy Methods in Banking The paper reviews the methods of information gain and entropy used by banking companies and critically analyzes some alternatives that are possible to use.
• Moroccan Central Bank’s Ethics and Systems The banking sector in the last two years has been impacted greatly by the COVID-19 pandemic. The situation led to the emergence of various innovations.
• A Bank, a Grocery Store, and a Restaurant: The Cultural Features This paper analyzes the available cultural features of a bank, a grocery store, and a restaurant to determine the distinctive features of these public places.
• America’s Banking Industry: Past, Present, and Future Banks are critical to the economic stability of a country. Banks are the primary option for borrowing, saving, and investing for millions of Americans in the United States.
• People Analytics of the Qatar National Bank One of the biggest challenges in conducting people analytics research for the Qatar National Bank is working with unstructured data.
• The National Banking Crisis Analysis The recent crisis at a national bank has attracted nationwide coverage due to its massive effect on the economy.
• Qatar National Bank’s General Information Bank groups that have already developed the most efficient business models and managed to expand their operations globally are in a comfortable position.
• Banking in the United States of America The banking system of the United States of America is one of the youngest, and banking has its own specifics with a lot of restrictions and even archaic elements.
• The Community Reinvestment Act and the Banking Systems This paper aims to study the impact of the Community Reinvestment Act (CRA) on banking in communities of Arkansas, California, and Boston.
• Islamic Banking and Its Development Problems Islamic banking’s main purpose is to perform the function of making payments and working with a considerable amount of money.
• Bank’s Digital Trends, Opportunities, and Threats The essay demonstrates the most crucial digital opportunities and threats for a commercial bank. The strategies to reduce the number of abandoned baskets are discussed.
• AMZ Bank’s Main Problems and Their Solution As a result of the analysis of the AMZ bank and its activities, it was found that the main problem is a toxic culture and the resulting social and economic structure.
• Banking: A Balance Sheet and an Income Statement The paper indicates that when compared to a balance sheet, an income statement presents a less defined and incomplete type of analysis.
• Wells Fargo Bank Scandal in Southern California The scandal in Wells Fargo Bank emerged after the customers started receiving the cards in their mail and others noticed accumulating bank fees.
• An Overview of Risks in Banking and Investments Credit ratings serve as vital tools for the investor, especially when they need a precise analysis of the organization’s position at a glance.
• Green Initiatives of the Toronto-Dominion Bank The paper will assess the actions taken by Toronto-Dominion Bank in order to reduce its impact on the environment.
• Organizational and National Culture in Banking The most important feature of commercial bank management is the continuous search for a productive compromise between the organizational and the national cultures.
• Current Dynamics and Trends in Corporate Banking Sustainable financing is one of the emerging trends in corporate banking due to the consequences of the COVID-19 pandemic.
• Banking Regulations Undermining Financial Crisis Traces of financial crisis and negative externalities have been present across the banking sector for the last several decades.
• Bank of America and Financial Analysis Bank of America is a leading US financial institution. An analysis of the Strengths, Weaknesses, Opportunities, and Threats (SWOT) is essential when planning the Bank’s future.
• East Bank Regional Hospital System The paper presents reasons to support East Bank Regional Hospital’s decision to expand its services. The consideration of the diseases will meet the medical needs.
• Change in Composition of Bank Funding Since 2008 The main components of bank funding are deposits, short-term debts, and long-term debts. Over 50% of bank funding originates from retail deposits.
• Impact of Bank Regulation, Market Structure, and Institutions on Cost of Financial Intermediation Through the process of intermediation, the financial institutions are able to ensure that there is an effective flow of funds.
• Banks and Banking in Spain The Spanish legal framework has transformed banking and insurance services due to the creation of the EU single market.
• Hull vs. Bank Case Study This case reflects the issue that occurred between the property tenants and the North Adams Hoosac Savings Bank. Harry transferred his interests in East Quincy and to his wife.
• Competition in Islamic Banking Systems The main purpose of the research will be to investigate the effect of competition on profitability and the market power in the Islamic banking system.
• Islamic Banking: Risk Management, Operations and Barriers Islamic banks have been opened all over the world and they have their own unique operations that depend on the rules and regulations of Islamic law.
• National Bank of Bahrain Analysis This report attempts to analyze the characteristics that determine the attractiveness of the NBB to investors, namely its financial structure and corporate governance framework.
• Piggy Bank’s Sample Size to Estimate Mean Dollars To estimate a single population mean, the sample size should be the same as the population size. So, all the customers of Piggy Bank will have to be included in the sample.
• Islamic Banking Features Analysis The purpose of the research will explore specific features within Islamic banking that impede the free flow of capital.
• Improving the American International Bank Situation The research is targeted at offering several ways to better the American International Bank (AIB) current situation as well as outline its future opportunities.
• Opening a Bank Office in Lithuania This paper will discuss the viability of opening a bank office in Lithuania. Opening a new office usually involves many risks, especially if the new area is not researched properly.
• Information Age, Future, and Medical Banking Medical banking organized following the concept of patient-centered care can facilitate the shift from logical considerations to the particular needs of patients.
• DuPont Analysis of the Chinese Bank of Communications The present report aims at applying DuPont analysis to evaluate the performance of the Chinese Bank of Communications (BoCom) against its competitor, China Merchants Bank (CMB).
• Corporate Governance Against Financial Risk Up to Date With Banking Crisis The essay discusses financial problems, especially the financial banking crisis and how to deal with it and its risks, as well as the impact of corporate governance on it.
• Opening a Bank Branch in Lithuania Lithuania is a perfect country to open a new branch of the regional bank. It is a highly developed state with significant achievements in economics and international trade.
• The Bank of America on the Verge of Substantial Changes It is essential to find the right balance between the desire to improve the growth margins and the risk of losing everything through bankruptcy to profit and raise capital.
• To Loan or Not to Loan: Taggert’s Bank Plans Taggert’s bank plans to extend its subprime loans and is exploring new lending methods that will increase its competitive edge.
• The Crisis in UK Banking of 2007-2008 The combination of major economic shocks and the unprecedented global policy response to the banking crisis has generated exceptional uncertainties for household,
• Wachovia Bank Financial Report Wachovia bank, which is now a part of Wells Fargo bank, was regarded as the fourth-largest bank holding company in the USA, the financial system of which was based on total assets.
• Banking Policy Regulation: Lending to Minorities The lenders argue, many minorities take loans which they cannot afford to pay. Some households take mortgage loans with anticipation that the prices for these houses will increase.
• Best Big Bank in Australia & Principal Agent Theory The paper reviewed the possible problems that occurred while the “Nucleus” referral system implementation in the Best Big Bank located in Australia.
• The Analysis of Wells Fargo Bank Actions The Wells Fargo Bank was helping the mining companies to raise enough money to enhance their efficient exploitation of minerals on mountain tops.
• Financial Market Regulation and Bank Activity Limitations The limitations on bank activity vary in countries, there are some similar processes: policies on bank’s capital, and the policies on the connection between banking and business.
• Financial Management and Investment Banking This paper will focus on the primary markets, analyze the functions that investment bankers perform in the traditional process for issuing new securities.
• Mobile Telephony Services Investing in Real-Time Banking Investing in new smartphone technology is a waste of time in poor markets. Investing in services through mobile telephone services seems to be the next big thing.
• Improving Workplace Learning for the Bank Tellers Improving workplace learning for the bank tellers by first identifying the weaknesses or obstacles then developing a strategy towards addressing the weaknesses.
• The Ethical Issues of Western Bank and Trust and Bobby’s Bagels Managers In this paper I am going to examine ethical issues in two companies: Western Bank and Trust and Bobby’s Bagel.
• Geithner’s Bank Plan: Winners and Losers Joshua Zumbrun in his article “Geithner’s Bank Plan: Winners and Losers” in the “Forbes” offers banks to sell their bad assets – the loans and securities they cannot unload in the market.
• The Grew of Financial World Crisis: Global Central Bank As Michael Mandel writes in his article, the financial world crisis flows out of the absence of a global central bank, which could have regulated the world financial movements.
• Banking Bail-Outs and the Housing Market This paper focuses on the impact of the banking bail-out on the housing sector. The US banking bail-outs elicited spirited criticism and resistance from thousands of Americans.
• St. George Bank. Profits and Perspectives. The financial statements of St. George Bank Ltd are legitimately prepared in accordance with Australian Accounting Standards, the Corporation Act of 2001.
• Bank of America Launching New Online Services Bank of America successfully tested its new mobile banking service on a small-scale basis to determine the acceptability level among customers.
• Abu Dhabi Islamic Bank’s Online Banking Services The purpose of this paper is to analyze modern online banking practices in the UAE, using Abu Dhabi Islamic Bank (ADIB) as an example.
• Macroeconomics Interest Rates and Aggregated Supply: Demand in the Federal Reserve Bank The Federal Reserve Bank makes a decision to increase interest rates regardless of the fact that real wages do not rise.
• Vision Bank’s Intercultural Communication: Problems and Recommendations The selected company for this report is Vision Bank. It provides banking, loans, financial advice, and consultancy services to customers in different regions.
• Central Bank’s Communications Strategy The set of genres and a wide range of meditating technologies associated with the Central bank’s communications strategy can be perceived as portions of local organization action.
• Global Political Economy: World Trade Organization, World Bank, and European Union This essay on global political economy will present answers to the attached questions. The answer to the first question will illuminate the exact functions of World Trade Organization.
• Bank Solutions International’s Technology Gaps and Security Strategy Training of information staff and personnel would be done on a quarterly basis and this would reduce the effect of an outdated approach to problem-solving.
• Global Financial Crisis and Banking System in Australia The recent global financial crisis affected almost all banks in the world with very few banks shielded from this misfortune.
• Human Rights in Israel-Gaza and West Bank Regions The conflict in the Gaza region was a violation of human rights because the sovereignty of the state was not respected by foreign powers.
• Veema Banking Company’s Investment in the UAE This report provides an analysis of the general business environment that Veemah Banking Company will meet during the employment of its investment endeavors in the UAE.
• Grameen Banking System Alleviating Poverty This paper discusses various aspects of the Grameen banking system and focuses on how it has assisted communities, and evaluate its future success.
• Bank’s Performance Financial Regulation Net income which signifies the profits that a bank makes after taxes gives us a direct view of a bank’s performance in terms of its ability to pay dividends as well as retain earnings.
• Fraud Perpetrators in Banking Organizations Most of the fraud perpetrators are insiders. This is common among the lowly paid employees who have the feeling that their employers are paying them too less.
• Barclays Bank History and Analysis Barclays bank is one of the oldest banks in the world. Its history dates back in the 17th century when, banking services were being introduced in the United Kingdom.
• Bank Loan Manager: Job Analysis and Recruitment Bank loan manager is a rather profitable and respectable job, and its popularity and prestige have been growing during the last decade.
• Goldman Sachs Group in Investment Banking Industry Goldman Sachs Group has had a long history in the context of the global economy and, therefore, has gained impressive experience over the years of its operations.
• Hedging Strategy and Bank Risk Management Strategy for risk management is an essential step for banks. Hedging is a tool managing the financial risks that may emerge in the process of managing forwards and futures.
• US Financial and Banking Reforms History The paper reviews articles that analyze the challenges of the US financial institution in 1832 and explain the significance of the US banking reforms under Nicolas Biddle.
• Bank of America’s E-Business Challenges The promoters of the Bank of America have not conceded on the matter of going e-business. This problem has a direct relation to the size and financial ability.
• The Asian Infrastructure Investment Bank’s Initiative The purpose of this paper is to discuss the implications of the Asian Infrastructure Investment Bank’s initiative and analyze three global connections with regard to the project.
• State Bank’s and Real Estate Bank’s Collapse Today, the collapse of state banks is the problematic situation which is often associated with significant economic and political problems in the country.
• The Rise of Islamic Banking in a Time of Economic Crisis On the surface, it may seem odd that Islamic banking is in such demand but when looked at from a cultural and religious perspective, it embodies the very essence of Islamic law.
• Eastern Bank and First Bank & Trust Company Merger The Eastern Bank Corporation and the First Bank & Trust Company have different human resources policies. For the merger, a general HR management strategy should be developed.
• China’s Asian Infrastructure Investment Bank China’s Asian Infrastructure Investment Bank is an organization intended to support infrastructural development in the region. The US and Japan voiced their disproval of the endeavor.
• US Banking Expansion in Emerging Markets U.S. banking has contributed significantly to the development of financial markets of emerging countries such as China, Malaysia, Brazil, and others.
• Major British Banking Group and Financial Crisis The purpose of this study is the assess the extent to which financial crisis in the United States of America contributed to the liquidity crash in the Major British banking group.
• Commercial Bank’s Profitability in Austria The analysis done in this paper shows that there is a close relationship between gross domestic product and commercial banks’ profitability in Austria.
• World Bank’s Logistics Performance Index The World Bank’s Logistics Performance Index (LPI) is constructed to assist countries in determining the key challenges and opportunities in logistics.
• Foreign Investment in Chinese Banking Sector: HR Policies China`s banking system and foreign investment policies have to survive numerous changes and improvements using its norms and guidelines in comparison to developing countries.
• The National Australia Bank’ Corporate Governance The purpose of this paper is to develop a critical analysis of NAB’s corporate governance in terms of the protocols and practices.
• The Lehman Bank: Irregularities and Cybercrimes Henry Lehman had until recently been the head of one of the world’s largest and most successful investment bank. Smith was a professional who had worked for one of the Lehman Bank’s subsidiaries.
• Economics: Currency and Banking Schools Debates This thesis of the paper will be a statement about the importance of the Currency and Banking Schools, especially their influence on the decisions of policy-makers.
• Financial Regulation by the IMF and the World Bank The International Monetary Fund and the World Bank use several instruments to regulate the balance of payments problems and other financial crisis that countries might have faced.
• Does Customer Relationship Management Matter in the Banking System?
• Have More Strictly Regulated Banking Systems Fared Better During the Recent Financial Crisis?
• Does Banking Competition Alleviate or Worsen Credit Constraints Faced by Small and Medium Enterprises?
• Can Bubble Theory Foresee Banking Crises?
• Are Bank Holding Companies a Source of Strength to Their Banking Subsidiaries?
• Does Banking Competition Affect Innovation?
• Why Fixing the ‘Shadow Banking’ Sector Is Essential for the U.S. Housing Market?
• Are Cooperatives the Weakest Link in European Banking?
• Has the Global Banking System Become More Fragile Over Time?
• Does Banking Regulation Cause Counterproductive Economic Dynamics?
• Can Monetary Union Enhance Banking Competition?
• How Does Banking Market Power Affect Bank Opacity?
• Are Banking Supervisory Data Useful for Macroeconomic Forecasts?
• Does Banking Consolidation Worsen Firms’ Access to Credit?
• Are Banking Systems Increasingly Fragile?
• How Does Banking Sector Globalization Affect the Banking Crisis?
• Can Sustainable Banking Help Stimulate Economic Growth in Sub-Sahara Africa?
• Are Labor-Saving Technologies Lowering Employment in the Banking Industry?
• How Does Competition Affect Efficiency and Soundness in Banking?
• Can Central Banking Survive the IT Revolution?
• Are More Competitive Banking Systems More Stable?
• Does Banking Consolidation Lead to Efficiency Gains?
• Are Recoveries From Banking and Financial Crises Really So Different?
• What Determines the Banking Sector Performance in Globalized Financial Markets?
• Can the Chinese Banking System Continue to Grow Without Sacrificing Loan Quality?
• Are Systemic Banking Crises in Developed and Developing Countries Predictable?
• What Drives Banking Sector Fragility in the Eurozone?
• Can Islamic Banking Increase Financial Inclusion?
• Does Banking Sector Development Affect Economic Growth and Inflation?
• What Are the Customer Perceptions Towards Banking Industry Marketing?

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StudyCorgi . "194 Banking Essay Topics." September 9, 2021. https://studycorgi.com/ideas/banking-essay-topics/.

StudyCorgi . 2021. "194 Banking Essay Topics." September 9, 2021. https://studycorgi.com/ideas/banking-essay-topics/.

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• Understanding Poverty

Trade and Climate Change

Watch: The role of trade in the climate-change fight

• Webinar Series

⬇️New report  - Download now!⬇️

The trade and climate change nexus: the urgency and opportunities for developing countries.

Fighting climate change is vital to equitable global development and poverty reduction—and international trade can have an important role to play in this endeavor. Trade can help countries adapt to higher average temperatures and more extreme weather events by offering consumers lower-emissions goods and services and facilitating the use of climate-friendly technology. But climate change may also negatively affect trade as extreme weather events raise the cost of trade, by destroying or degrading transport infrastructure and reducing agricultural production.

The World Bank is engaged with external partners and academic experts to deepen our understanding of the complex dynamics between trade and climate change, to help us identify the critical solutions required to inform our work with client governments. 

The findings from the first phase of this work program have been encapsulated in this newly released summary report “ The Trade and Climate Change Nexus: The Urgency and Opportunities for Developing Countries ” . 

This report explores the different ways in which trade and climate change intersect and confronts a number of myths concerning the two phenomena. The report focuses on the impacts of, and adjustments to, climate change in developing countries and on how future trade opportunities will be affected by both the changing climate and the policy responses to address it. It also discusses how trade provides the goods and services that can drive mitigation and adaptation, and the new opportunities for promoting trade diversification in the transition to a low-carbon world. Suitable trade and environmental policies can offer the right economic incentives for attaining both sustainable growth and poverty reduction through trade.

Trade and food security in a climate change-impacted world

Distributional impacts of carbon pricing policies under the Paris Agreement

Emerging Emitters and Global Carbon Mitigation Efforts

How Could Trade Measures Being Considered to Mitigate Climate Change Affect LDC Exports?

Assessing the economic impacts of a ‘perfect storm’ of extreme weather, pandemic control and deglobalization: a methodological construct

Trade and Climate Change Webinar Series

The expansion of global trade is increasingly recognized as playing an important role in climate change. While attention is focused on reducing greenhouse gas emissions, trade will also play a key role in how countries adapt to higher average temperatures and more extreme weather events. However, it is also important to understand how trade may be affected by climate change. Average temperatures are rising, and extreme weather events are increasing. This will have implications for production and trade in all countries.

In this series of webinars, World Bank researchers and external panellists discuss new research and analysis on trade and climate change and the emerging policies and strategies that governments and firms are developing in response, especially on the implications for low-income countries. 

Webinar 12: Trade and Food Security in a Climate Change-impacted World

October 7, 2022

• Mona Haddad, Global Director for Trade, Investment and Competitiveness, World Bank
• Maria Dimitriadou, Special Representative to the UN and WTO, Head of the World Bank Geneva Office
• Paul Brenton, Lead Economist, Macroeconomics, Trade and Investment Global Practice, World Bank
• Vicky Chemutai, Economist (YPP), Trade and Regional Integration, World Bank Group
• Edwini Kessie, Director, Agricutlure and Commodities Division, World Trade Organization
• Carolyn Deere Birkbeck, Senior Researcher, Graduate Institute’s Global Governance Centre and Director of the Forum on Trade, Environment & the SDGs (TESS)
• Grace Mijiga Mhango, Chairperson, Grain Traders Association of Malawi

Session Highlights:

• A 1% increase in temperature lowers agricultural exports of developing countries by almost 13%, and particularly poorer countries are facing higher climate risks.
• Climate change will alter comparative advantage of countries in crop farming and exports. Overall, the world is likely to face a 13% decline in yield of all crops.
• Although more land is allocated to agriculture, crop yields in many developing countries are still low. And yet, emissions from agricultural land-use change have increased, mainly driven by large scale commercial agricultural expansion.
• Agricultural products are the most GHG emission intensive export sectors, and food products account for around 14% of total GHG emissions from exports. Methane is a major contributor to GHG emission intensity in agriculture.
• International trade will have to play a larger role in addressing food security in climate change, channeling for getting food from area of excess to areas of scarcity, and allowing farmers better access to new technologies, seeds and fertilizers.
• Tariff reforms with domestic support towards investment in productivity enhancing and emission reducing technologies can address environmental challenges,  increase productivity and alleviate poverty.  

Webinar 11: Greening logistics: what are the top players doing to transform the industry?

July 18, 2022

• William Gain, Global Product Specialist for Trade Facilitation & Border Management, World Bank Group
• Erik Churchill, Vice President of Public Affairs at UPS International
• Mao Lingke, General Manager of Cainiao Global Supply Chain-Global Freight Department at Alibaba Cainiao
• Ana Yaluff, Head of Sustainability (EMEA) at Archer-Daniels-Midland Company (ADM)
• Tejo Kusuma, Technical Officer at World Customs Organization (WCO)
• Logistic companies can contribute to reduction in GHG emissions by developing innovative solutions such as e-packaging cars or e-bike and using sustainable aviation fuels. To roll out business model for green logistics requires regulatory coordination among different jurisdictions.
• Innovative digital solutions for green logistics – recycling, shipping, delivery, packaging, and warehousing – can contribute to green and efficient trade. Smart packing algorithm helps save packaging materials by recycling and reusing them while installation of solar panels on the warehousing roof can reduce carbon emissions from fossil fuels.
• Greenhouse gas emissions in transportation and distribution can be reduced by contracting shipping freights certified for decarbonization initiative and harmonizing carbon methodology, which requires collective actions for supply chains to success.
• As a part of green customs initiatives, border modernization and digitalization can make international trade efficient and green. Standardization of dataset enables information to be re-used in supply chains and customs, and encourages government agencies in different countries to conduct digitalized collaboration. 

Webinar 10: How to unleash trade and scale-wide adoption of environmental goods and services in developing countries

June 7, 2022

• Richard Damania, Chief Economist of the Sustainable Development Practice Group, World Bank
• Juneyoung Lee, Legal Affairs Officer – Trade and Environment Division, World Trade Organization (WTO)
• Aleksandar Stojanov, Trade Policy Expert, World Bank
• Peter BenHur Nyeko, Co-Founder & Director - Mandulis Energy
• John Gibson, Director – Chobe Holdings Limited
• Simon Hess, Head of Monitoring and Evaluation – Enhanced Integrated Framework (EIF) Secretariat. WTO
• Access to environmental goods and services (ESG) plays a crucial role because it enabled them low carbon transition and boost competitiveness of domestic firms by giving them access to affordable environmental technologies.
• Converting agricultural wastes to cooking fuels and electricity contributes to creation of circular economy in Uganda. Electricity generated is sold to villages in rural areas, which can allow farmers to process their crops, to be plugged into green supply chains and to access local and global markets.
• Firms in tourism find that solar energy plants will resolve logistic complexity of transporting fuels and reduce harmful impacts on environment and land. To run solar plants requires resolutions for major constraints such as fluctuating costs, an insufficient pool of skilled labors, extreme conditions that requires AC facility, electricity availability and internet access for operation.  
• Many development plans include an environmental aspect with development objectives. Electronic waste policy in Rwanda and reducing waste in leather production in Chad and Niger are examples of development projects that integrate environmental objectives.

Webinar 9: The low carbon transition – how can LDCs demonstrate carbon competitiveness?

March 25, 2022

• Mona Haddad, Global Director, Trade, Investment and Competitiveness, World Bank Group (WBG)
• Aik Hoe Lim, Director, Trade and Environment Division, World Trade Organization (WTO)
• Dominique Coppens, Senior Managing Associate in the trade practice of Sidley Austin LLP
• Rajesh Aggarwal ,  Chief, Trade Facilitation and Policy for Business, International Trade Centre (ITC)
• Erik Wijkstrom, Counsellor, Trade and Environment Division, WTO
• Most costs and risk of a transition to a low carbon economy would fall on developing countries. Products subject to carbon pricing are likely to be selected in favor of industrialized countries. Also, carbon prices set on products in which LDCs have carbon competitiveness.
• A lack of common standards and verification is the main challenge for LDCs. Also, the choice of methodology and limited data availability, and uncertainty about key variables can paint a misleading picture of the carbon footprint of LDCs exports.
• Standards for measurement and verification should be easily adoptable for developing countries to apply across the world. Aligning divergent methodologies calculating carbon emissions is going to contribute to net zero goal.
• SMEs seek to measure carbon footprints for their exports, driven by demand of customers and lead firms in upstream value chains. However, SMEs lack local experts certifying carbon footprints and appropriate technologies reducing carbon emissions, which requires investment in R&D in locally suitable and affordable technologies for SMEs.

Webinar 8: Trade in Tourism Services – Making it Sustainable and Resilient (in partnership with the Tourism for Development webinar series) July 14, 2021

• Martha Martinez Licetti, Practice Manager, ETIMT, World Bank Group
• Stefan Gössling, Professor of Tourism Research at Linnaeus University and Human Ecology at Lund University
• Kimarli Fernando, Chairperson of Sri Lanka Tourism
• Megan Morikawa, Global Director of Sustainability Office at Iberostar Group

Session highlights: 

• Tourism is a key source of export revenues and jobs in many developing countries, but it is increasingly being affected by and contributing to climate change. Specifically, while the sector is highly vulnerable to climate change, it also contributes to the emission of greenhouse gases (GHGs)—for example, through its influence on the demand for air travel services. 
• Tourism’s vulnerability to climate change is highest in Africa, the Middle East, South Asia, and Small Island Developing States (SIDS) and typically in countries where tourism accounts for the largest share of GDP and in regions where tourism is expected to grow strongly. 
• Plans for decarbonization in global tourism requires substantive efforts – achieving a net zero carbon goal by 2050 will need a massive upscaling of technology and demand management.
• Reducing energy use (20% at zero investment) – research shows that for most tourist accommodation, it is economically feasible to reduce energy use and utilize renewable energy.
• Implementing environmental levies - all tourism stakeholders should support, and lobby for, low-carbon policies, including CO2 taxes (“environmental fees”).

Webinar 7: How can the global community catalyze and promote trade in environmental goods and services?  July 13, 2021

• Aik Hoe Lim, Director, Environmental Division, World Trade Organization (WTO) 
• Paul Brenton, Lead Economist, Trade and Regional Integration, World Bank Group
• Ronald Steenblik, International Institute for Sustainable Development
• Kimberley Botwright, World Economic Forum
• Ana Laura Lizano, Permanent Mission of Costa Rica to the WTO
• Mahesh Sugathan, Senior Trade and Sustainability Expert

Session highlights:

• Access to environmental goods and services will be essential in the transition to a low-carbon global economy. 
• Noting that few countries, if any, alone have all the required resources, technology, and expertise to convert to a low-carbon economy, trade plays a vital role in the global diffusion of low-carbon technologies through environmental goods and services. 
• Trade will provide access to a wider range of lower-cost environmental goods and services. This will in turn create new business and job opportunities in areas that use these new technologies, as well as in their distribution and maintenance.
• Removing barriers to trade in the products that can support the move to a low-carbon future and facilitating the sharing of knowledge on how to implement the low-carbon transition is critical. The challenge for the global community is to facilitate these economic transformations in ways that support sustained growth and poverty reduction in developing countries.
• Trading in renewable energies such as wind and solar show a significant contribution to a country’s emission removal effort. Modelling estimates provide that if import tariff rates on products from carbon-intensive industries between all countries are increased by 30 percent whilst, import tariff rates on low-carbon products from high-tech industries between all countries are set to 0, then there will be a significant drop in emissions. 

Webinar 6: A three-way ‘perfect storm’: climate extremes; a pandemic; and, deglobalization February 25, 2021

• Olivier Mahul, Practice Manager, Crisis and Disaster Risk Finance, World Bank
• Dabo Guan, Consultant, Trade and Regional Integration Unit, World Bank
• Alexei Kireyev, Senior Economist, International Monetary Fund (IMF)
• Andrew Burns, Global Lead Macroeconomic Modelling and Statistics, Macro and Debt, World Bank
• Regional or global cooperation is needed to address the spillover effects of compound events i.e. extreme weather events and pandemics. A widespread deglobalization reaction will drag down the global economy and then backfire at each individual country through the global supply chain. 
• Modelling results signal that an increase in the degree of export restrictions involving all sectors would cause a sharp rise in economic losses of all regions in the aftermath of an extreme weather event that is occurring in parallel to a pandemic.
• Policies in favor of trade barriers and production specialization are easily made when a country decides to protect its domestic industries and safeguard its stocks. However, this could undermine the efforts of other countries battling these disasters. 

Webinar 5: The effectiveness of environmental provisions in regional trade agreements – and implementation difficulties  February 24, 2021

• Urvashi Narain, Lead Environmental Economist for East and Southern Africa region, World Bank
• Ryan Abman, Assistant Professor in the Department of Economics at San Diego State University
• Clark Lundberg, Research Agricultural Economist US Department of Agriculture, Economic Research Service
• Michele Ruta, Lead Economist, Trade and Regional Integration, World Bank
• Prudence Sebahizi, Chief Technical Advisor on the African Continental Free Trade Area, African Union Commission 
• Allen Asiimwe, Chief Technical Officer, Trademark East Africa
• Concerns over the adverse impacts of trade liberalization on environmental degradation have led to a debate over the need for environmental provisions in regional trade agreements (RTAs), however the effectiveness of such provisions is often unknown.
• New research shows that inclusion of specific provisions aimed at protecting forestry and/or biodiversity entirely offsets the net increases in forest loss observed in similar regional trade agreements without such provisions.  The inclusion of these provisions limits agricultural land expansion but not increases in total agricultural production.  
• These effects are concentrated in tropical, developing countries with greater biodiversity. However, these countries often face implementation difficulties and thus require substantive support towards execution.

Webinar 4: Sustainability and business carbon management schemes February 23, 2021

• Shari Friedman - Ag Global Head, Climate Strategy and Business Development, IFC
• Michael Friis Jensen, Consultant, Trade and Regional Integration, World Bank
• Penny Naas, President, International Public Affairs and Sustainability, United Parcel Service, Inc (UPS), USA
• Steve Nicholls, Head of Environment, National Business Initiative (NBI), South Africa
• Over the past two decades, the public has increasingly demanded that business takes more responsibility in managing environmental problems. Firms in turn have adopted more complex policies and codes of corporate social responsibility, including in environmental management. 
• The public is pushing global business on climate change too. Additionally, governments may use sustainability standards to reduce carbon emissions from particular products. The way such standards are formulated, and the verification mechanisms established to make sure producers follow them will determine market access, including for least developed countries. 
• Carbon measurement is often based on carbon-footprinting methodologies that have predominantly been developed by industrialized countries for use in industrialized country contexts – as such, this choice of methodology, coupled with limited data availability, and uncertainty about key variables can paint a misleading picture of the carbon footprint of developing country exports.
• Critical support is needed in developing the appropriate infrastructure for data collection. Carbon labelling is methodologically complex, often expensive, and difficult to understand for consumers. The data needed for such detailed carbon accounting are extensive. In principle, carbon footprinting requires measuring emissions at every point along every possible value chain. 

Webinar 3: Emerging emitters and global carbon mitigation efforts December 17, 2020

• Caroline Freund, Global Director, Trade, Investment, and Competitiveness, World Bank
• Dabo Guan and Paul Brenton, Trade and Regional Integration, World Bank
• Grzegorz Peszko, Lead Economist, Environment and Natural Resources, World Bank
• Lourdes Sanchez, Senior Policy Advisor and Lead on Indonesia, International Institute for Sustainable Development
• It is often misunderstood that because they are not large emitters individually, least developed countries do not need to play a major role in negotiating rules on trade and environment.
• However, new research shows that collectively, developing countries have been increasingly carbonizing over the last decade in pursuit of their development goals. 
• As such, these countries need to be at the forefront of climate change adaptation and mitigation and this will require a rapid spread of low carbon technologies and related services to influence production and consumption.  
• This is especially critical as least developed countries (LDCs) will be more severely affected by the effects of climate change. As such, contributing to the rules governing trade and the environment, can help ensure that their interests are properly considered.

Webinar 2: The effects of trade and trade policies on land use change December 16, 2020

• Holger A. Kray, Practice Manager, Agriculture and Food Security, World Bank
• Vicky Chemutai, Trade and Regional Integration, World Bank 
• Edwini Kessie, Director, Agriculture Division, World Trade Organization (WTO)
• Steven Stone, Chief UN Environment Programme (UNEP)
• Trade-induced land use displacement can have positive effects—with global environment benefits i.e. leaving production to areas that use less carbon-intensive methods. 
• Trade measures can promote sustainable agricultural management by facilitating:
• Access to digital technologies from advanced economies and improved seed varieties
• Transfer of knowledge and expertise on improving yields
• Access to quality fertilizers that can boost farmer uptake—need for better regulation, but not trade-restrictive
• To minimize the adverse impacts of trade liberalization and to maximize its positive impacts for sustainable land management, two land degradation issues need to be addressed: expansion of agriculture for export and marginalization of smaller farmers
• Land-use change impacts are not constrained by borders and thus require regional solutions. Trade agreements need to use specific, legally binding language in all climate-related provisions for any change to occur.

Webinar 1: Carbon Border Taxes – EU plans and implications for low-income countries December 15, 2020

• Richard Damania, Chief Economist, Sustainable Development, World Bank
• Michael Friis Jensen, Trade and Regional Integration, World Bank
• Vicente Hurtado Roa, Head of Unit, European Commission, Directorate-General for Taxation and Customs Union
• Georg Zachmann, Senior Fellow, Bruegel
• A number of countries have been considering schemes to reduce carbon emissions from their domestic production and how to deal with possible ‘leakage’ to countries with weaker regimes. 
• Carbon border adjustment, which adds a tax to imports corresponding to the price of carbon emissions that domestic firms pay, is increasingly being seen as the solution to the problem of carbon leakage. This adjustment is designed to nullify the cost advantage that firms producing in non-regulated countries enjoy when selling in a regulated country. 
• Early simulations (in advance of the July 2021 announcement) of the potential economy-wide impacts of the EU Carbon Border Adjustment Mechanism (CBAM) suggested that, countries with the most emission-intensive sectors and fossil fuel exporters would bear the brunt of the scheme. 
• It remains important to understand how developing countries, and their trade, will be affected by the standards and approaches being considered in the design of similar schemes. In general, it is imperative to ensure that these designs are not too narrowly focused.
• With these heavy impacts on carbon-intensive sectors, new opportunities could arise in trade of low carbon goods and services. Seizing these opportunities should be country priorities.

For more information on the Trade and Climate Change research agenda and materials presented at the webinars, please contact Paul Brenton and Vicky Chemutai . For any queries and suggestions on the webinars, please contact Victoria L. Fofanah .

Related links 

Umbrella Facility for Trade

Climate Change

3/25/2022 EVENT: Video replay The low carbon transition – how can LDCs demostrate carbon competitiveness?

9/29/2021 EVENT: Video replay Changing the Narrative - Trade is Part of the Solution to Climate Change

BOOK The Trade and Climate Change Nexus : The Urgency and Opportunities for Developing Countries

Trade and Food Security in a Climate Change-impacted World