Banking Relationships and REIT Capital Structure - DataPro
... (2003). If public debt issuers tend to target leverage to maintain their credit ratings, it is not surprising that REITs with banking relationships have lower leverage.8 Although this result differs from Johnson’s (1998) study of nonREIT firms, such a difference is largely due to the unique characte ...
... (2003). If public debt issuers tend to target leverage to maintain their credit ratings, it is not surprising that REITs with banking relationships have lower leverage.8 Although this result differs from Johnson’s (1998) study of nonREIT firms, such a difference is largely due to the unique characte ...
Integration of financial services
... (Chart 9) Let me begin with cross-selling, which provides substantial benefits. It’s significantly more efficient to sell a new product to an existing customer than it is to get a new customer. And you don’t take on additional credit risk. Furthermore, companies that deliver products in a fashion mo ...
... (Chart 9) Let me begin with cross-selling, which provides substantial benefits. It’s significantly more efficient to sell a new product to an existing customer than it is to get a new customer. And you don’t take on additional credit risk. Furthermore, companies that deliver products in a fashion mo ...
Banking and Shadow Banking
... leverage cause excessive endogenous risk because individual agents do not take into account the price impact of their actions in the competitive equilibrium. Since the main result of Plantin (2014) is in the same spirit as ours, we highlights two other differences between the papers. First, financia ...
... leverage cause excessive endogenous risk because individual agents do not take into account the price impact of their actions in the competitive equilibrium. Since the main result of Plantin (2014) is in the same spirit as ours, we highlights two other differences between the papers. First, financia ...
CEE Banking_May14.indd - Raiffeisen Bank International AG
... this trend to the CEE region were once again limited, but its overall positive image does not rule out selective country strategies on the part of foreign-owned CEE banks. We have found clear evidence that Western banks carried out substantial portfolio shifts over the last three to five years (focu ...
... this trend to the CEE region were once again limited, but its overall positive image does not rule out selective country strategies on the part of foreign-owned CEE banks. We have found clear evidence that Western banks carried out substantial portfolio shifts over the last three to five years (focu ...
Concentration risk in credit portfolios - June 2006
... Concentration risk in credit portfolios comes into being through an uneven distribution of bank loans to individual borrowers (single-name concentration) or in industry and services sectors and geographical regions (sectoral concentration). It may be prudent for specialised banks and credit institut ...
... Concentration risk in credit portfolios comes into being through an uneven distribution of bank loans to individual borrowers (single-name concentration) or in industry and services sectors and geographical regions (sectoral concentration). It may be prudent for specialised banks and credit institut ...
Reporting Form ARF 210 Liquidity Instruction Guide
... All assets accounted for in this section must be available for the ADI to convert into cash at any time to fill funding gaps between cash inflows and outflows during a stressed period. The assets must be unencumbered and should not be comingled with or used as hedges on trading positions, be designa ...
... All assets accounted for in this section must be available for the ADI to convert into cash at any time to fill funding gaps between cash inflows and outflows during a stressed period. The assets must be unencumbered and should not be comingled with or used as hedges on trading positions, be designa ...
Basel III Leverage Ratio Framework and Disclosure Requirements
... where the leverage ratio does not become the binding ratio immediately, the very real prospect of it becoming binding in the future or after a stress test will cause these institutions to change their behavior as if it were binding. As a result, institutions will reduce their participation in core f ...
... where the leverage ratio does not become the binding ratio immediately, the very real prospect of it becoming binding in the future or after a stress test will cause these institutions to change their behavior as if it were binding. As a result, institutions will reduce their participation in core f ...
How Derivatives Changed the "Business of Banking"
... and markets themselves pose significant potential risks, including systemic financial risks,' 2 whose nature and true extent are difficult to understand and measure.' 3 Today, active participation of large U.S. banks in global derivatives markets is such a basic fact of life that their legal authori ...
... and markets themselves pose significant potential risks, including systemic financial risks,' 2 whose nature and true extent are difficult to understand and measure.' 3 Today, active participation of large U.S. banks in global derivatives markets is such a basic fact of life that their legal authori ...
Learning Curve Spillovers and Transactions Cost in
... allows rural banks to financially include them. Why? There has been a significant increase in the number of active borrowers in the Philippines since 1994. Microfinance activities have been existing previous to the 1997 establishment the regulatory body called National Credit Council. Through microf ...
... allows rural banks to financially include them. Why? There has been a significant increase in the number of active borrowers in the Philippines since 1994. Microfinance activities have been existing previous to the 1997 establishment the regulatory body called National Credit Council. Through microf ...
Volume 67 No. 2, June 2004 Contents
... actions for instability in economic output, interest rates, and the exchange rate. This article describes how clause 4(b) affects monetary policy decision-making, and reviews the role of clause 4(b) in the current operation of monetary policy. ...
... actions for instability in economic output, interest rates, and the exchange rate. This article describes how clause 4(b) affects monetary policy decision-making, and reviews the role of clause 4(b) in the current operation of monetary policy. ...
The Effect of Change in Base Lending Rate on
... changed base lending rate from time to time. This has mostly been attributed by inflation and exchange rate. Subsequently the no of microfinance bank have risen from one in year 2009 to twelve by 31st may 2015. The objective of this study was to find out whether there exists a relationship between c ...
... changed base lending rate from time to time. This has mostly been attributed by inflation and exchange rate. Subsequently the no of microfinance bank have risen from one in year 2009 to twelve by 31st may 2015. The objective of this study was to find out whether there exists a relationship between c ...
Vo l u m e 6 6 ... C o n t e n t s
... Understanding the link between the real economy and inflation is essential to monetary policy formulation. In conventional macroeconomics, the concept of the output gap is an important component of that link. Used in this context, the output gap provides a useful way of thinking about inflationary p ...
... Understanding the link between the real economy and inflation is essential to monetary policy formulation. In conventional macroeconomics, the concept of the output gap is an important component of that link. Used in this context, the output gap provides a useful way of thinking about inflationary p ...
Demand Deposit - Natural Persons
... shall not result in any refund.The Bank reserves the right to pay any unrevoked cheque presented for payment, even if it has been issued after the end of the respective period of validity, without this presentation depending on the terms and deadlines set out in the Uniform Law. 7. The Bank may appe ...
... shall not result in any refund.The Bank reserves the right to pay any unrevoked cheque presented for payment, even if it has been issued after the end of the respective period of validity, without this presentation depending on the terms and deadlines set out in the Uniform Law. 7. The Bank may appe ...
The Financial Policy Committee`s framework for the systemic risk buffer
... The economy depends on critical financial services provided by financial institutions, in particular large banks and building societies. The crisis was an example of how the economy can be damaged when such firms become distressed and restrict lending to the economy. It is therefore important that s ...
... The economy depends on critical financial services provided by financial institutions, in particular large banks and building societies. The crisis was an example of how the economy can be damaged when such firms become distressed and restrict lending to the economy. It is therefore important that s ...
The Community Reinvestment Act, Bank
... The Broward Housing Council seeks to better understand the level of community investment by regulated financial institutions relative to affordable housing in Broward County’s low- and moderate-income communities and to low- and moderate-income persons. The following report explains how the Communit ...
... The Broward Housing Council seeks to better understand the level of community investment by regulated financial institutions relative to affordable housing in Broward County’s low- and moderate-income communities and to low- and moderate-income persons. The following report explains how the Communit ...
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... 14. Banks generally pay higher interest rates on NOW accounts than on MMDAs. Answer: False Page: 374 Level: Easy ...
... 14. Banks generally pay higher interest rates on NOW accounts than on MMDAs. Answer: False Page: 374 Level: Easy ...
BankGuam Holding Company
... government of Guam. This increase in liabilities was largely offset by the end of the year through our strategic purchase of Wells Fargo Financial’s loan portfolio in Guam and Saipan. Those loans will add to our profitability for a few years, but then they will be gone and, unless we find other aven ...
... government of Guam. This increase in liabilities was largely offset by the end of the year through our strategic purchase of Wells Fargo Financial’s loan portfolio in Guam and Saipan. Those loans will add to our profitability for a few years, but then they will be gone and, unless we find other aven ...
The future of the international monetary and financial
... disconcerting vote in the United Kingdom. 1 As the title suggests, I want to talk tonight about the proper domain of central bank independence, that is, where should the central bank be independent and where should it not be? My jumping-off point is a quotation about Montagu Norman, the formidable b ...
... disconcerting vote in the United Kingdom. 1 As the title suggests, I want to talk tonight about the proper domain of central bank independence, that is, where should the central bank be independent and where should it not be? My jumping-off point is a quotation about Montagu Norman, the formidable b ...
Changing the savings culture.ALP Team3
... penetration and the current savings products available to the market. It was determined that low interest rates made saving unattractive while banks appeared to focus more on credit products. The research concluded that slight changes to the current offerings could contribute to a significantly impr ...
... penetration and the current savings products available to the market. It was determined that low interest rates made saving unattractive while banks appeared to focus more on credit products. The research concluded that slight changes to the current offerings could contribute to a significantly impr ...
How Did Pre-Fed Banking Panics End?*
... public in small denominations (from clearing houses other than the New York Clearing House). The borrowing amounts of each bank were kept secret. The clearing house suppressed their normal requirement that member banks release balance sheet information to the press each week. Like the short sale con ...
... public in small denominations (from clearing houses other than the New York Clearing House). The borrowing amounts of each bank were kept secret. The clearing house suppressed their normal requirement that member banks release balance sheet information to the press each week. Like the short sale con ...
Basel III: Dynamics of State Implementation
... developing countries whose sovereign debt remained on the books of U.S. banks.28 Those countries would use the funds to service their debt to U.S. banks, effectively transferring money from taxpayers to commercial banks.29 Voters, and thus Congress, were adamantly opposed to such a bail out, and the ...
... developing countries whose sovereign debt remained on the books of U.S. banks.28 Those countries would use the funds to service their debt to U.S. banks, effectively transferring money from taxpayers to commercial banks.29 Voters, and thus Congress, were adamantly opposed to such a bail out, and the ...
Towards a new framework for banking crisis management
... crises of systemically important institutions, preventing new cases of bail out at taxpayers’ expensies. Drawing on the analyses made by economists and regulators, the paper looks at the most relevant banking crises in the US and in Europe, highlighting, case by case, the new tools employed by gover ...
... crises of systemically important institutions, preventing new cases of bail out at taxpayers’ expensies. Drawing on the analyses made by economists and regulators, the paper looks at the most relevant banking crises in the US and in Europe, highlighting, case by case, the new tools employed by gover ...
Financial Presentation
... These forward-looking statements are based on a series of assumptions, both general and specific, in particular the application of accounting principles and methods in accordance with IFRS (International Financial Reporting Standards) as adopted in the European Union, as well as the application of e ...
... These forward-looking statements are based on a series of assumptions, both general and specific, in particular the application of accounting principles and methods in accordance with IFRS (International Financial Reporting Standards) as adopted in the European Union, as well as the application of e ...
The Dodd-Frank Act
... Dodd-Frank’s most promising regulatory reform—the OLA—does not completely close the door to future transactions that protect creditors of failing LCFIs. The FRB and the Federal Home Loan Banks retain authority to provide emergency liquidity assistance to troubled LCFIs. The FDIC can borrow from the ...
... Dodd-Frank’s most promising regulatory reform—the OLA—does not completely close the door to future transactions that protect creditors of failing LCFIs. The FRB and the Federal Home Loan Banks retain authority to provide emergency liquidity assistance to troubled LCFIs. The FDIC can borrow from the ...
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.