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NBER WORKING PAPER SERIES PREVENTING FINANCIAL CRISES: AN INTERNATIONAL PERSPECTIVE Frederic S. Mishkin
NBER WORKING PAPER SERIES PREVENTING FINANCIAL CRISES: AN INTERNATIONAL PERSPECTIVE Frederic S. Mishkin

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Pricing Bank Stocks: The Contribution of Bank Examinations

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Everything old is new again
Everything old is new again

... “Over the last decade we have seen the splitting up of balanced mandates into specialists, an increasing desire to appoint boutiques and many funds diving into complex securities, hedge funds, private equity and infrastructure. The results show that this has not added the value expected by many, esp ...
The Main Event: Trade Really Does Create Value
The Main Event: Trade Really Does Create Value

Scenarios on the sovereign debt crisis
Scenarios on the sovereign debt crisis

... Eurozone sovereign debt crisis  The Eurozone sovereign debt crisis will have a significant impact on economic growth over several years, with this impact operating through a number of channels – ■ Fiscal cutbacks – higher taxes and lower government spending and investment will tend to depress econ ...
The previous regulatory regime was put in place in the
The previous regulatory regime was put in place in the

... provided liquidity to other financial institutions in times of market stress. Their ability to provide adequate liquidity was protected by tight government restrictions on the risk they could take. Banks thus could serve as lender of next-to-last resort to other financial institutions, while the Fe ...
New Zealand and the Financial Crisis of 2008   
New Zealand and the Financial Crisis of 2008   

... New Zealand have been in business for more than 100 years, and the general experience has been  that these banks have traded at a significant premium over book value of net assets. Even though  the extent of this might currently be reduced (reflecting the general drops in bank share prices in the  f ...
Banking structures report, October 2014
Banking structures report, October 2014

... acquirers) were following a declining trend, both in terms of number of transactions and total value. The second chapter of the report looks at “Structural developments in banking activity”. In particular, changes in banks’ overall balance sheet structure, financial performance and capital position ...
Financial Markets Strategy Team Second Report “Toward an Open
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... subprime mortgage borrowers, a step taken by an organization called “HOPE NOW” which is an alliance between counselors, servicers, investors, and other mortgage market participants. This is a program to provide relief to borrowers who are forced to pay back loans at a higher interest rate following ...
Financial Crises, Bank Risk Exposure and Government Financial
Financial Crises, Bank Risk Exposure and Government Financial

... possible to address this issue. In this paper we develop a macroeconomic model with an intermediation sector that allow banks the option to issue outside equity as well as short term debt. This makes bank risk exposure an endogenous choice. Here the goal is to have a model that can not only capture ...
Ownership structure, risk and performance in the - Hal-SHS
Ownership structure, risk and performance in the - Hal-SHS

... banks might mitigate this effect. An expected positive sign for the coefficient of this variable in the INCOME regression is also supported by the “too-big-to-fail” argument. Larger banks would benefit from an implicit guarantee that, other things equal, decreases their cost of funding and allows th ...
Money, financial investment and financing
Money, financial investment and financing

Bank Capital and Stock Performance around the Subprime
Bank Capital and Stock Performance around the Subprime

... a disruptive financial event, such as the Lehman collapse, and therefore are susceptible to smaller stock price declines. We also find evidence that simpler and more conservative capital ratios are perceived by equity market participants as more accurate measures of bank health relative to regulator ...
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Banking & Financial Markets

Determinants of Commercial Banks` Lending
Determinants of Commercial Banks` Lending

... evolution of improved treasury management by corporate savers and customers as well as favorable interest rate now payable on deposits, particularly since interest rates were regulated in 1987. The result of this is additional rise in cost of funds for banks. If they are able to meet the cost elemen ...
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Investment in Fixed Assets and Firm Profitability
Investment in Fixed Assets and Firm Profitability

... Prior studies reported that investment in fixed assets may have an important effect on the firm’s profitability. Eriotis et al. (2000) investigated the relationship between debt to equity ratio and firm’s profitability taking into consideration the level of a firm’s investment and the degree of mark ...
macroeconomic factors of non-performing loans in commercial banks
macroeconomic factors of non-performing loans in commercial banks

... The proper credit risk management in banks has a very important impact on the quantity of non-performing loans. Banks can develop their internal credit risk assessment models that analyze the financial and other data of loan applicants. The main target of data analysis results is the correctly asse ...
Investment Quarterly
Investment Quarterly

... demographic trends, for example, will be key to benefiting from the still remarkable growth potential of EM countries. China’s credit boom and deleveraging There has been growing concern about China’s shadow banking system and corporate default risks. The investment boom since 2009 has given rise to ...
The Banking Sector of Bosnia and Herzegovina:The
The Banking Sector of Bosnia and Herzegovina:The

... exchange rate, which was considered crucial in the economically very uncertain post-war situation. Second, a strictly rule-based approach to monetary policy was seen as the most appropriate, taking into account the difficulty in making political decisions in the countrys complex institutional and p ...
Tight bank lending, lush bond market
Tight bank lending, lush bond market

... raise funds via bond issuances. By the same token, banks could generate fee income from bond underwriting without stretching balance sheets or taking on more risks – this may have helped to support income and thus capital ratios. Investors, in turn, got access to higher yielding assets at times when ...
what have we learned from recent financial crises and policy
what have we learned from recent financial crises and policy

... banks. And although not yet seen in the post-war period, crises could also be envisaged involving very large numbers of both borrowers and lenders interacting almost exclusively through disintermediated markets as they did in the 1920’s. The central point is that measures to prevent the recurrence ...
UNICREDITO ITALIANO: GROWING THROUGH SPECIALISATION
UNICREDITO ITALIANO: GROWING THROUGH SPECIALISATION

Presentation
Presentation

...  Coordinated Direct Investment Survey (direct investment positions with equity reported separately from debt ...
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Shadow banking system

The shadow banking system is a term for the collection of non-bank financial intermediaries that provide services similar to traditional commercial banks. Former Federal Reserve Chair Ben Bernanke provided a definition in April 2012: ""Shadow banking, as usually defined, comprises a diverse set of institutions and markets that, collectively, carry out traditional banking functions--but do so outside, or in ways only loosely linked to, the traditional system of regulated depository institutions. Examples of important components of the shadow banking system include securitization vehicles, asset-backed commercial paper (ABCP) conduits, money market mutual funds, markets for repurchase agreements (repos), investment banks, and mortgage companies."" Shadow banking has grown in importance to rival traditional depository banking but was a primary factor in the subprime mortgage crisis of 2007-2008 and global recession that followed.
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