Valuation Methods and Banks` Takeover Premium: an
... In the recent years, the topic of banks valuation has been raising a lot of interest among academics and practitioners. The financial crisis of 2007, which has struck the global banking sector, highlighted that not only the value of a bank has to be measured and interpreted in terms of returns, but ...
... In the recent years, the topic of banks valuation has been raising a lot of interest among academics and practitioners. The financial crisis of 2007, which has struck the global banking sector, highlighted that not only the value of a bank has to be measured and interpreted in terms of returns, but ...
Legal Origin, Creditors` Rights and Bank Lending
... In aggregate, this should lead to higher levels of private sector credit, which the “finance and growth” literature has shown to be positively related to economic growth. © 2013 Cole-Turk Ariss: Legal Origin, Creditor Protection, and Bank Lending Around the World ...
... In aggregate, this should lead to higher levels of private sector credit, which the “finance and growth” literature has shown to be positively related to economic growth. © 2013 Cole-Turk Ariss: Legal Origin, Creditor Protection, and Bank Lending Around the World ...
Determinants of non-performing loans in Central and Eastern
... The recent financial crisis has left a legacy of extremely high levels of NPLs in the CEE region. In 2008, countries that had based their economic growth on the booming banking sector (Sirtaine and Skamnelos, 2007) at the beginning of the past decade found themselves faced with a sudden credit growt ...
... The recent financial crisis has left a legacy of extremely high levels of NPLs in the CEE region. In 2008, countries that had based their economic growth on the booming banking sector (Sirtaine and Skamnelos, 2007) at the beginning of the past decade found themselves faced with a sudden credit growt ...
Capital regulation in a macroeconomic model with three layers of
... this leads to a deposit risk premium which raises banks’ funding costs when failure risk is high. Moreover, we assume that, due to banks’ opaqueness, this risk premium is related to economy-wide bank default risk rather than the individual risk of the issuing bank. This creates an incentive for bank ...
... this leads to a deposit risk premium which raises banks’ funding costs when failure risk is high. Moreover, we assume that, due to banks’ opaqueness, this risk premium is related to economy-wide bank default risk rather than the individual risk of the issuing bank. This creates an incentive for bank ...
Benefits and Costs of a Higher Bank Leverage Ratio
... It is widely believed that minimum capital requirements are essential to promote a safe and sound banking industry. Given that capital requirements became more complex in the years leading up to and following the 2007–2009 crisis, it seems appropriate to compare the benefits and costs of a simpler, ...
... It is widely believed that minimum capital requirements are essential to promote a safe and sound banking industry. Given that capital requirements became more complex in the years leading up to and following the 2007–2009 crisis, it seems appropriate to compare the benefits and costs of a simpler, ...
1.1. Necessity of the research problem
... From 2008 to 2012, loan activities developed strongly in Vietnamese commercial banks. In a short period of time, there was a considerable increase in the loan balance at credit institutions by means of credit products, services and channels. After just 1-2 years, bad debts at various levels occurred ...
... From 2008 to 2012, loan activities developed strongly in Vietnamese commercial banks. In a short period of time, there was a considerable increase in the loan balance at credit institutions by means of credit products, services and channels. After just 1-2 years, bad debts at various levels occurred ...
Expanding central bank balance sheets in emerging Asia
... The relationship between reserves and the deposits-loans gap is easy to explain. One characteristic shared by most methods of sterilisation is that they drive a wedge between loans and deposits in the banking system. For example, both increasing the required reserve ratio and issuing sterilisation b ...
... The relationship between reserves and the deposits-loans gap is easy to explain. One characteristic shared by most methods of sterilisation is that they drive a wedge between loans and deposits in the banking system. For example, both increasing the required reserve ratio and issuing sterilisation b ...
Banks` buffer capital: How important is risk (Paper presented at
... Despite the last decades of market deregulation of the banking industry in many countries, banking is still one of the most regulated industries in the world. Regulation is in general justified on the basis of market failures and the importance of preserving financial stability, although there is st ...
... Despite the last decades of market deregulation of the banking industry in many countries, banking is still one of the most regulated industries in the world. Regulation is in general justified on the basis of market failures and the importance of preserving financial stability, although there is st ...
Impact of Interest Rate Changes on Banking Sector
... Fed rate hike to impact emerging economies Europe’s economy and the slowdown in emerging economies such as China and Brazil are weighing on the overall economic conditions. With growth in China slowing down and the US data showing mixed results, the pressure on Saudi exports and trade balance is exp ...
... Fed rate hike to impact emerging economies Europe’s economy and the slowdown in emerging economies such as China and Brazil are weighing on the overall economic conditions. With growth in China slowing down and the US data showing mixed results, the pressure on Saudi exports and trade balance is exp ...
Banco Bradesco S.A - University of Oregon Investment Group
... to businesses or individuals to maximize their potential and act as an intermediary to allocate capital in the economy. Banks take deposits from corporations or individuals and in return offer secure storage of funds and pay interest to the depositors. Some capital is keep as reserves, both internal ...
... to businesses or individuals to maximize their potential and act as an intermediary to allocate capital in the economy. Banks take deposits from corporations or individuals and in return offer secure storage of funds and pay interest to the depositors. Some capital is keep as reserves, both internal ...
Financial Stability Report 2014
... The Central Bank has embarked on a process of updating its regulatory framework in line with Basel III standards and international best practices. Key areas of reform include capital, liquidity, risk management and corporate governance as well as regulations applicable to non-bank financial institu ...
... The Central Bank has embarked on a process of updating its regulatory framework in line with Basel III standards and international best practices. Key areas of reform include capital, liquidity, risk management and corporate governance as well as regulations applicable to non-bank financial institu ...
On microscopes and telescopes
... regulatory policy. As one example, epidemiological models have been used to understand and calibrate regulatory capital standards for the largest, most interconnected banks – the so-called “super-spreaders” (Craig et al (2014)). They have also been used to understand the impact of central clearing o ...
... regulatory policy. As one example, epidemiological models have been used to understand and calibrate regulatory capital standards for the largest, most interconnected banks – the so-called “super-spreaders” (Craig et al (2014)). They have also been used to understand the impact of central clearing o ...
Turks and Caicos Islands: Financial Sector Assessment Program
... licensees’ dividend payments so that they may be stopped in light of any solvency concerns. Moreover, the FSC should continue progress toward greater observance of the Basel Core Principles (BCPs), particularly those addressing risk and its management. A supervisory college should be established wit ...
... licensees’ dividend payments so that they may be stopped in light of any solvency concerns. Moreover, the FSC should continue progress toward greater observance of the Basel Core Principles (BCPs), particularly those addressing risk and its management. A supervisory college should be established wit ...
The Banking Sector of Bosnia and Herzegovina:The
... banking sector has gone further and faster than reform in any other sector of the economy. Confidence is coming back and depositors are now prepared to put their savings in the banks rather than keep them at home in foreign cash (Chamber of Economy of Federation of Bosnia and Herzegovina, 2004, 1). ...
... banking sector has gone further and faster than reform in any other sector of the economy. Confidence is coming back and depositors are now prepared to put their savings in the banks rather than keep them at home in foreign cash (Chamber of Economy of Federation of Bosnia and Herzegovina, 2004, 1). ...
Decision CPC 57_2011
... categorization as regards to their customers, has proceeded in dividing banking services into the following areas: (a) Loans (b) Deposits and (c) Financial Market Services. Loans comprises of banking services such as personal loans, mortgages, loans for businesses etc. ...
... categorization as regards to their customers, has proceeded in dividing banking services into the following areas: (a) Loans (b) Deposits and (c) Financial Market Services. Loans comprises of banking services such as personal loans, mortgages, loans for businesses etc. ...
Stressed, Not Frozen: The Federal Funds Market in the Financial Crisis
... market is known as the fed funds rate. Fed funds borrowings are accounted for like deposits; however, unlike traditional bank deposits, fed funds are exempt from reserve requirements. The fed funds market is an over-the-counter market where institutions negotiate loan terms directly with each other ...
... market is known as the fed funds rate. Fed funds borrowings are accounted for like deposits; however, unlike traditional bank deposits, fed funds are exempt from reserve requirements. The fed funds market is an over-the-counter market where institutions negotiate loan terms directly with each other ...
national bank of the republic of macedonia interset rate policy in the
... Macedonia in the last two years to be formed on high nominal and real level. The long - run solution of the unfavorable situation in the field of interest rate policy necessarily means improvement of fundamental economic performances which determinate interest rate policy, and it is, first of all, t ...
... Macedonia in the last two years to be formed on high nominal and real level. The long - run solution of the unfavorable situation in the field of interest rate policy necessarily means improvement of fundamental economic performances which determinate interest rate policy, and it is, first of all, t ...
Banks` loan rejection rates and thecreditworthiness of the banks
... had higher acceptance ratios than firms with low solidity. The refusal rates were significantly higher in 2009-2010 than in 2007, which indicate that banks tightened their credit standards during the financial crisis. This is also consistent with a recent analysis of changes in Danish banks’ credit ...
... had higher acceptance ratios than firms with low solidity. The refusal rates were significantly higher in 2009-2010 than in 2007, which indicate that banks tightened their credit standards during the financial crisis. This is also consistent with a recent analysis of changes in Danish banks’ credit ...
Florida`s Revised Commercial Paper Law
... bank prematurely pays a postdated check, not because of mistake, but intentionally, such as where the bank has ineffectively disclaimed liability for such payment.2" The bank, under the impression it is protected, knowingly pays a postdated check prior to its stated date, causing subsequent checks t ...
... bank prematurely pays a postdated check, not because of mistake, but intentionally, such as where the bank has ineffectively disclaimed liability for such payment.2" The bank, under the impression it is protected, knowingly pays a postdated check prior to its stated date, causing subsequent checks t ...
The Effect of the Interbank Network Structure on Contagion and
... the increase in the correlation between large and complex financial organizations during the 1990s, a development that was further fueled by securitization. The new insights on common shocks give rise to the question which form of systemic risk poses the greater threat to financial stability: inter ...
... the increase in the correlation between large and complex financial organizations during the 1990s, a development that was further fueled by securitization. The new insights on common shocks give rise to the question which form of systemic risk poses the greater threat to financial stability: inter ...
English
... In the macroeconomic area, the FTA should not limit the country’s capacity to apply its exchange rate and monetary policy. Furthermore, it seems indispensable that each country may, under certain circumstances, in relation to significant instabilities of its financial markets, impose restriction ...
... In the macroeconomic area, the FTA should not limit the country’s capacity to apply its exchange rate and monetary policy. Furthermore, it seems indispensable that each country may, under certain circumstances, in relation to significant instabilities of its financial markets, impose restriction ...
Risk profile of households and the impact on financial stability
... demonstrated by the growth of asset value over the past few years (Graph 1). While Indonesia’s capital markets (ie both equity and bond markets) have grown rapidly, Indonesia’s financial system is still dominated by banks: the ratio of the banking sector’s assets to GDP was around 51.4% at the end o ...
... demonstrated by the growth of asset value over the past few years (Graph 1). While Indonesia’s capital markets (ie both equity and bond markets) have grown rapidly, Indonesia’s financial system is still dominated by banks: the ratio of the banking sector’s assets to GDP was around 51.4% at the end o ...
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... Bernanke did not make these policy implications explicit in his scholarly writings, nor do they necessarily follow from his focus on the credit channel. As George Selgin points out, “So long as some banks are pre-run solvent, a sufficient dose of base money should suffice to keep those banks afloat, ...
... Bernanke did not make these policy implications explicit in his scholarly writings, nor do they necessarily follow from his focus on the credit channel. As George Selgin points out, “So long as some banks are pre-run solvent, a sufficient dose of base money should suffice to keep those banks afloat, ...
Financial Stability Report May 2011 Contents
... monetary and fiscal stimulus that will need to be reduced eventually. Risks to the outlook for New Zealand include the possibility of renewed turbulence in global credit markets from which New Zealand banks secure funding, and a decline in export demand or the terms of trade if the global recovery s ...
... monetary and fiscal stimulus that will need to be reduced eventually. Risks to the outlook for New Zealand include the possibility of renewed turbulence in global credit markets from which New Zealand banks secure funding, and a decline in export demand or the terms of trade if the global recovery s ...
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.