• Journal of Venture Innovation
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• v.2 no.2
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• pp.117-126
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• 2019

This study conducted correlation analysis and multiple regression analysis using financial statements, loan structure, ROA and ROA volatility of domestic commercial banks, regional banks and special banks for the past five years (2012 ~ 2016). The result is as follows. First, as a result of correlation analysis, bank's ROA is positively related to household loans and SME loans, but it is negatively correlated with the ratio of loans to large companies, sector bias, and loan loss provision ratio. Second, ROA volatility was negatively related to household loans and SME loans, but it was positively correlated with large corporate loans, sector bias ratio, and loan loss provision ratio. Third, as a result of the regression analysis, the variables that have a statistically significant effect on the ROA volatility of banks were household loans, SME loans, and large enterprise loans. From these empirical results, special banks with high volatility in profits need to diversify loan types and sectors in order to achieve business performance outside of policy finance. and Especially, Suhyup Bank and Nonghyup Bank, which have a large commercial role, have a large size per unit by focusing on short-term profit and Rather than focusing on large companies or large loans that are easy to obtain financial information, it is necessary to focus management capabilities on household loans and SME loans by developing capabilities such as screening techniques.

• Proceedings of the IEEK Conference
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• 2000.06d
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• pp.127-130
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• 2000

In this paper, we explore the possibility to use wavelet decomposition based on modified octave structured 5-level filter banks as a set of features for speech recognition. The HMM (Hidden Markov Model) is used as a recognizer 〔l〕. We compared the performance of the wavelet decomposition with the mel-cepstrum and LPC cepstrum. Experimental results show favorable results.

• The Journal of Economics, Marketing and Management
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• v.5 no.4
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• pp.29-38
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• 2017

Organizational commitment (OC) is one of the most important attitudes and/or organizational variables. It is one of the important factors for increasing organizational performance and consequently it has a significant impact on productivity enhancement. Study of behavior in the workplace due to the great importance of manpower compared to other resources within the organization is of great importance too. OC is a psychological state which represents kind of desire, a need and a requirement for continuing employment in an organization. It is considered as one of the most influential factors in getting success and competitive advantage in today's organizations. Investigating effect of financial and non-financial variables on financial performance for a long-term has engaged the minds of researchers. Intensification of competition in markets has increased importance of recognizing competitive advantage patterns and their effect on financial performance (FP).This research conducted to provide a better understanding for people as well as for aggregation of a research subject OC and FP is compared in Indian banking sector by taking sample of 2 public and two private banks the correlation between the OC and FP and the results included a positive and significant correlation. Desired FP to increase wealth is an essential and obvious issue. According to the issued subjects, today, commitments and their impact on FP of companies have become increasingly important. In Indian banks the correlation between the OC & FP were found significant.

• Journal of the Korean Institute of Intelligent Systems
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• v.12 no.2
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• pp.115-122
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• 2002

This paper proposes a robust speech recognition algorithm based on the wavelet filter banks. Since the proposed algorithm adopts a multiple band decision-making scheme, it performs robustness for noise as the presence of noisy severely degrades the performance of speech recognition system. For evaluating the performance of the proposed scheme, we compared it with the conventional speech recognizer based on the VQ for the 10-isolated korean digits with car noise. Here, the proposed method showed more 9~27% improvement of the recognition rate than the conventional VQ algorithm for the various car noisy environments.

• The Transactions of The Korean Institute of Electrical Engineers
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• v.57 no.12
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• pp.2147-2152
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• 2008

This paper proposes an algorithm to estimate the circulating currents in the transformers in parallel in an ultra high voltage system. For the Y-Y-${\Delta}$ transformers operated in parallel, there exist two kinds of the circulating currents i.e. one is between the tanks and the other between the banks of the delta side. As the former is 90 deg out of phase of the load current, it is estimated by decomposing the line current into the component 90 deg out of phase of the load current in the frequency domain. The latter is estimated in the time domain from applying the Kirchhoff's voltage law on the delta winding which gives a first-order differential equation in terms of the delta winding currents. To estimate the circulating currents between the tanks, the performance of the proposed algorithm is investigated when the impedances of the two transformer tanks are different or the taps of the on-load tap changer of the transformers are mismatched temporarily. To estimate the circulating currents between the banks, the performance of the proposed algorithm is also examined under magnetic inrush and over-excitation. Test results indicate that the algorithm can estimate the two kinds of the circulating currents successfully.

• Journal of Practical Agriculture & Fisheries Research
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• v.13 no.1
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• pp.3-17
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• 2011

Pipelines of processor have been growing deeper and issue widths wider over the years. If this trend continues, branch misprediction penalty will become very high. Branch misprediction is the single most significant performance limiter for improving processor performance using deeper pipelining. Therefore, more accurate branch predictor becomes an essential part of modem processors for FAFF(Food, Agriculture, Forestry, Fisheries)Information Processing. In this paper, we propose a branch prediction mechanism, using variable length history, which predicts using a bank having higher prediction accuracy among predictions from five banks. Bank 0 is a bimodal predictor which is indexed with the 12 least significant bits of the branch PC. Banks 1,2,3 and 4 are predictors which are indexed with different global history bits and the branch PC. In simulation results, the proposed mechanism outperforms gshare predictors using fixed history length of 12 and 13, up to 6.34% in prediction accuracy. Furthermore, the proposed mechanism outperforms gshare predictors using best history lengths for benchmarks, up to 2.3% in prediction accuracy.

• Asia pacific journal of information systems
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• v.33 no.3
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• pp.702-736
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• 2023

Artificial Intelligence (AI) and the technologies powered by AI fuel the fourth industrial revolution. Being the primary adopter of such innovations, banking has recently started using the most common AI-based technology, i.e., conversational agents. Although research extensively focuses on this niche area and provides bibliometric understanding for such agents in other industries, a similar review with scientometric insights of the banking literature concerning AI conversational agents is absent till date. Furthermore, in the era following the pandemic, banks are faced with the imperative to provide solutions that align with the changing landscape of remote consumer behavior. As a result, banks are proactively integrating technology-driven solutions, such as automated agents, to effectively address the growing demand for remote customer support. Hence more research is needed to perfect such agents. In order to bridge these existing gaps, the present study undertook a comprehensive examination of two decades' worth of banking literature. A meticulous review was conducted, analyzing approximately 116 papers published from 2003 to 2023. The aim was to provide a scientometric overview of the topic, catering to the research needs of both academic and industrial professionals. Holistically, the study seeks to present a macro-view about the existing trends in AI based banking conversational agents' literature while focusing on quantity, qualitative and structural indicators that are effectively necessary to offer new directions for the AI-based banking solutions. Our study, therefore, presents insights surrounding the literature, using selected techniques related to performance analysis and science mapping.

• Proceedings of the ESK Conference
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• 1995.10a
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• pp.62-74
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• 1995

This study surveys four characteristics (overall density, local density, grouping, complexity) to effect user's performance on the on-line terminal displays of commercial banks, and makes the new screen by the screen design procedure. The new screen includes to increase the number of groups and to arrange the items on the screen. And then, this study carrys out experiments to compare performance(operating time and error number ) by each screen. The result is described that the operating time decreases about 20% at the new OUT-screen than the existing OUT-screens; about 25% at the new IN-screen.

• Journal of Korea Port Economic Association
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• v.30 no.3
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• pp.187-207
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• 2014

The purpose of this paper is to examine the business performance difference based on the ownership structure type in the aspect of profitability and stability. In order to conduct this analysis in two aspects, the ship financial institutions have been classified into two groups: state-owned banks and private-owned banks. First of all, the difference of ROE and ROA between private and public ship financial institutions is statistically significant, but no difference has been shown in terms of stability measured through BIS capital adequacy ratio. Second, to test the business performance difference according to the ownership structure types before and after the global financial crisis, we examined the outcome difference in the ship financial institutions in terms of profitability and stability. However, in the event that the analysis was conducted with public and private financial institutions, the business outcome difference before and after the global financial crisis has been shown in the sector of private financial institutions, but has not been shown in the sector of public financial institutions. It is meaningful that this study is the first work which examined the difference of the operating performance by the ownership structure types of ship financial institutions. However, it is noted that small sample for this empirical study is a limitation of this thesis.

• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.1
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• pp.181-195
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• 2010

This study intends to find the empirical relationship between influential factors of CRM realization and performance. The purpose of this study is to analyze effect of managerial support factors on customer orientation, work performance, and customer performance in the banking institutions. First, it is analyzed to find what kind of effects the major factor of CRM system may have on customer orientation. Then, the impacts of the customer orientation on the performance are to be analyzed. Lastly, it is analyzed that the work performance affects the customer performance.