Recession and social dialogue in the banking sector: a
... The impact of the financial crisis on banking sectors has been uneven across the major world economies. On the one hand, financial sectors in Japan, Brazil and China have not been significantly affected and public authorities only had to deal with some liquidity problems in banking systems. On the o ...
... The impact of the financial crisis on banking sectors has been uneven across the major world economies. On the one hand, financial sectors in Japan, Brazil and China have not been significantly affected and public authorities only had to deal with some liquidity problems in banking systems. On the o ...
The American University in Cairo School of Business A Thesis Submitted to
... cheaply. However, high reserve requirements act as a tax on the banking system, resulting in further depression of interest rates. Therefore they conclude that financial liberalization is critical for banking sector development thereby growth. Endogenous growth literature also predicts that financia ...
... cheaply. However, high reserve requirements act as a tax on the banking system, resulting in further depression of interest rates. Therefore they conclude that financial liberalization is critical for banking sector development thereby growth. Endogenous growth literature also predicts that financia ...
The Anatomy of a Credit Crisis: The Boom and Bust in Farm Land
... enthusiasm for buying only by the funds they can access; greater credit availability allows them to pay even more for the asset. The nature of land markets may exacerbate these effects. Scheinkman and Xiong (2003) argue that low transaction costs and a ban on short sales play a central role in allow ...
... enthusiasm for buying only by the funds they can access; greater credit availability allows them to pay even more for the asset. The nature of land markets may exacerbate these effects. Scheinkman and Xiong (2003) argue that low transaction costs and a ban on short sales play a central role in allow ...
The importance of long-term financing by banks
... focusing on low-risk, long-term financing for real estate and regional authorities. Margins are much lower in this area of business than in investment banking, which is why it is difficult to attract additional providers of capital under the current conditions. These institutions are reducing their ...
... focusing on low-risk, long-term financing for real estate and regional authorities. Margins are much lower in this area of business than in investment banking, which is why it is difficult to attract additional providers of capital under the current conditions. These institutions are reducing their ...
Determinants of banking system fragility: a - ECB
... of cross-regional contagion is attenuated when the host region has a more liquid and more capitalized banking sector. JEL Classification Codes: G15, G20, G29 Keywords: Banking system stability, cross-regional contagion, financial integration ...
... of cross-regional contagion is attenuated when the host region has a more liquid and more capitalized banking sector. JEL Classification Codes: G15, G20, G29 Keywords: Banking system stability, cross-regional contagion, financial integration ...
The Euro and the Geography of International Debt Flow
... sovereign debts, even though the borrowing countries cannot print currency to pay their debts.) Fourth, financial regulations in the EU were harmonized (Kalemli-Ozcan et al., 2010) and the euro infrastructure implied a more efficient payment system though its TARGET settlement mechanism. All four fa ...
... sovereign debts, even though the borrowing countries cannot print currency to pay their debts.) Fourth, financial regulations in the EU were harmonized (Kalemli-Ozcan et al., 2010) and the euro infrastructure implied a more efficient payment system though its TARGET settlement mechanism. All four fa ...
New Zealand: Financial Sector Assessment Program
... Increasing supervisory resources for all financial sectors is key. This would support the highly qualified RBNZ staff in improving the effectiveness of the supervisory process, enhancing their knowledge of financial institutions’ operations, and deepening risk assessment of supervised entities—and s ...
... Increasing supervisory resources for all financial sectors is key. This would support the highly qualified RBNZ staff in improving the effectiveness of the supervisory process, enhancing their knowledge of financial institutions’ operations, and deepening risk assessment of supervised entities—and s ...
annual report - Beige Capital
... He joined the Bank of Ghana in 2000 from the then SSB Bank (now Societe Generale) which he entered as a pioneer staff in 1976. He was the youngest member of the SSB management team at the time and is credited with the establishment of the Bank’s legal department. He served as Secretary to the Board ...
... He joined the Bank of Ghana in 2000 from the then SSB Bank (now Societe Generale) which he entered as a pioneer staff in 1976. He was the youngest member of the SSB management team at the time and is credited with the establishment of the Bank’s legal department. He served as Secretary to the Board ...
BBVA Bancomer
... invest in securities in relation to a specific issue must be made solely and exclusively on the basis of the information set out in the pertinent prospectus filed by the company in relation to such specific issue. Nobody who becomes aware of the information contained in this report must regard it as ...
... invest in securities in relation to a specific issue must be made solely and exclusively on the basis of the information set out in the pertinent prospectus filed by the company in relation to such specific issue. Nobody who becomes aware of the information contained in this report must regard it as ...
Bank Capital Methodology And Assumptions - A
... • Changed some of the weights we use to calculate RWA to align them more closely to the stress scenarios presented in Appendix IV of "Understanding Standard & Poor's Rating Definitions," published June 3, 2009; • Revised some of the data we use in the RACF and the risk weights we apply to improve gl ...
... • Changed some of the weights we use to calculate RWA to align them more closely to the stress scenarios presented in Appendix IV of "Understanding Standard & Poor's Rating Definitions," published June 3, 2009; • Revised some of the data we use in the RACF and the risk weights we apply to improve gl ...
HOW THE FLAWS OF BASEL II LED TO THE COLLAPSE OF BEAR
... advocates of this position assert that investment banks should be subject to the same regulatory oversight as any other business.16 Such oversight is often relaxed or entirely nonexistent. Nonetheless, every nation in the world subjects investment banks to some form of advanced regulatory supervisio ...
... advocates of this position assert that investment banks should be subject to the same regulatory oversight as any other business.16 Such oversight is often relaxed or entirely nonexistent. Nonetheless, every nation in the world subjects investment banks to some form of advanced regulatory supervisio ...
Financial Risk Capacity
... The mechanism that causes a decline in profitability during crises is inherent to financial intermediation. Classic arguments in banking stress that one natural role for banks is to deal with asymmetric information between borrowers and lenders. The idea is that banks can diversify transaction risks ...
... The mechanism that causes a decline in profitability during crises is inherent to financial intermediation. Classic arguments in banking stress that one natural role for banks is to deal with asymmetric information between borrowers and lenders. The idea is that banks can diversify transaction risks ...
SMEs and Bank Lending Relationships: the Impact of Mergers
... mergers on the probability of borrowers maintaining their lending relationships and on their ability to continue tapping bank credit. The Belgian financial environment reflects a number of interesting features: high banking sector concentration; “in-market” mergers with large target banks; importanc ...
... mergers on the probability of borrowers maintaining their lending relationships and on their ability to continue tapping bank credit. The Belgian financial environment reflects a number of interesting features: high banking sector concentration; “in-market” mergers with large target banks; importanc ...
Working Paper Series - Federal Reserve Bank of Richmond
... a limit to central bank purchases of securities financed with reserves when the intention is to not induce increases in the price level: After some point, if excess reserves become large enough, more reserves are associated with higher price levels. The main components that drive the results in my ...
... a limit to central bank purchases of securities financed with reserves when the intention is to not induce increases in the price level: After some point, if excess reserves become large enough, more reserves are associated with higher price levels. The main components that drive the results in my ...
federal reserve system - Federal Reserve Bank of Philadelphia
... Reserve district in which it is located.” Today, the 12 Districts have 24 branch ...
... Reserve district in which it is located.” Today, the 12 Districts have 24 branch ...
An Overlooked Central Bank Rescue: How the Bank of
... 7. Bank of France operation to discount American commercial paper for gold Eagles held in Bank of France reserve. Announcements repeats from November 22 to December 7. Many of the domestic events from the Panic of 1907 have been thoroughly documented by several researchers, but the international eve ...
... 7. Bank of France operation to discount American commercial paper for gold Eagles held in Bank of France reserve. Announcements repeats from November 22 to December 7. Many of the domestic events from the Panic of 1907 have been thoroughly documented by several researchers, but the international eve ...
money, finance and the real economy
... all that is needed is for the banks to grant the necessary volume of loans. The need for a public authority with the task of regulating the activity of these institutions is immediately apparent. Left to themselves, banks have no means of knowing what volume of lending is needed or any reason why th ...
... all that is needed is for the banks to grant the necessary volume of loans. The need for a public authority with the task of regulating the activity of these institutions is immediately apparent. Left to themselves, banks have no means of knowing what volume of lending is needed or any reason why th ...
Profit efficiency for Spanish savings banks
... inefficiencies. In addition, input inefficiency measured in a profit function may differ from that derived from a cost function. Profit efficiency - - the deviation from the profit frontier - - is determined using the thick frontier approach. We also determine how the profit frontier has shifted ove ...
... inefficiencies. In addition, input inefficiency measured in a profit function may differ from that derived from a cost function. Profit efficiency - - the deviation from the profit frontier - - is determined using the thick frontier approach. We also determine how the profit frontier has shifted ove ...
The framework of capital requirements for UK banks
... banks that fail will materially reduce both the probability and costs of financial crises. In the updated Bank of England analysis, these arrangements are assessed to reduce the appropriate equity requirement for the banking system by about 5% of risk-weighted assets. Credible and effective resoluti ...
... banks that fail will materially reduce both the probability and costs of financial crises. In the updated Bank of England analysis, these arrangements are assessed to reduce the appropriate equity requirement for the banking system by about 5% of risk-weighted assets. Credible and effective resoluti ...
May 15, 2017 Basel Committee on Banking Supervision Bank for
... framework, the Committee observes that “prominent examples of credit or liquidity support provided by banks were observed during the crisis, including for . . . money market funds.” It then twice cites to funds redeemable at constant net asset values as entities that could present step-in risk.7 Fin ...
... framework, the Committee observes that “prominent examples of credit or liquidity support provided by banks were observed during the crisis, including for . . . money market funds.” It then twice cites to funds redeemable at constant net asset values as entities that could present step-in risk.7 Fin ...
TO DETERMINE INTEREST AND LOAN DEFAULT RATES AMONG
... commercial banks in Kenya. The period of analysis was five years from 2008 to 2012. The findings indicate an increasing trend of average market interest rates ranging from 12.02 in the year 2008 to 19.20 in the year 2012. This indicates improved performance in the macro economic variables over the y ...
... commercial banks in Kenya. The period of analysis was five years from 2008 to 2012. The findings indicate an increasing trend of average market interest rates ranging from 12.02 in the year 2008 to 19.20 in the year 2012. This indicates improved performance in the macro economic variables over the y ...
Rethinking Glass-Steagall
... Allowing bank holding companies to expand their securities activities would strengthen these companies by enabling them to divcrsify revenue sources through profitable activities that carry relatively low risk. In fact, the risk involved in underwriting and dealing in corporate securities-tho securi ...
... Allowing bank holding companies to expand their securities activities would strengthen these companies by enabling them to divcrsify revenue sources through profitable activities that carry relatively low risk. In fact, the risk involved in underwriting and dealing in corporate securities-tho securi ...
From agent-based models to artificial economies: the Eurace approach for policy
... which have made them so popular among both researchers and policy makers. First, they are microfounded models. That is, the behavioral equations describing the economy are derived from a utility maximization problem at the micro level, i.e. each agent is rational at the individual level. Second, ...
... which have made them so popular among both researchers and policy makers. First, they are microfounded models. That is, the behavioral equations describing the economy are derived from a utility maximization problem at the micro level, i.e. each agent is rational at the individual level. Second, ...
Enforcement Actions and Bank Loan Contracting
... of nonperforming loans to total loans), management quality (the ratio of overhead expenses to gross total assets [GTA]), earnings (return on assets or the ratio of annualized net income to GTA), liquidity (bank liquidity creation normalized by GTA), and sensitivity to market risk (the ratio of the d ...
... of nonperforming loans to total loans), management quality (the ratio of overhead expenses to gross total assets [GTA]), earnings (return on assets or the ratio of annualized net income to GTA), liquidity (bank liquidity creation normalized by GTA), and sensitivity to market risk (the ratio of the d ...
Report of the High-level Expert Group on reforming the structure of
... revealed excessive risk-taking – often in trading highly-complex instruments or real estate-related lending – and excessive reliance on short-term funding in the run-up to the financial crisis. The risktaking was not matched with adequate capital protection and high level of systemic risk was caused ...
... revealed excessive risk-taking – often in trading highly-complex instruments or real estate-related lending – and excessive reliance on short-term funding in the run-up to the financial crisis. The risktaking was not matched with adequate capital protection and high level of systemic risk was caused ...
Bank
A bank is a financial intermediary that creates credit by lending money to a borrower, thereby creating a corresponding deposit on the bank's balance sheet. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial system and influence on national economies, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties — notably, the Medicis, the Fuggers, the Welsers, the Berenbergs and the Rothschilds — have played a central role over many centuries. The oldest existing retail bank is Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.