Download or read book Commercial Bank Behavior and Economic Activity written by Stephen M. Goldfeld and published by . This book was released on 1966 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial bank behavior and economic activity written by S.M. Goldfeld and published by . This book was released on 1966 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial bank behavior and economic activity written by and published by . This book was released on 1966 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial Bank Behavior and the Level of Economic Activity an Econometric Study written by Stephen M. Goldfeld and published by . This book was released on 1963 with total page 414 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Download or read book Commercial Bank Behaviour Economic Activity written by S.M. Goldfeld and published by . This book was released on 1966 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Money Banking and Economic Activity written by Lloyd Brewster Thomas and published by Prentice Hall. This book was released on 1986 with total page 630 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Money Banking and Economic Activity written by Jon D. Stanford and published by Sydney ; New York : J. Wiley and Sons Australasia. This book was released on 1973 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bank Behavior Regulation and Economic Development California 1860 1910 written by Roger C. Lister and published by Routledge. This book was released on 2017-08-07 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study of bank behaviour and banking regulation, first published in 1993, continues to provide through its close analysis valuable insights into the issues of modern banking. The effects of regulatory restriction and liberalisation are examined in detail, and California’s banking history, while a fascinating topic in its own right, offers several messages for policy makers today.
Download or read book Commercial Bank Loan and Investment Behaviour written by John Harold Wood and published by John Wiley & Sons. This book was released on 1975 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial banks in economic development of SMEs An analysis of their contribution written by Hitiyise Samuel and published by GRIN Verlag. This book was released on 2021-08-04 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2021 in the subject Business economics - Investment and Finance, grade: second class upper division, , course: Accounting, language: English, abstract: The study was guided by analyzing the contribution of commercial banks in economic development of SMEs The target population for the study consisted of registered SMEs in KCBR as their clients.A descriptive research design as well as an explanatory research design was used. The study used Bouchard formula to sample SMEs and then used random sampling to select the 105 SMEs. The respondents of the study were the owners and managers of the SMEs. The study used questionnaires to collect quantitative data using closed ended questions . Data analysis will be done using SPSS statistical software version 21. Descriptive statistics (Frequencies, Means and Standard deviation) and inferential statistics (Correlations and regression) were used in analysis. A multiple linear regression model was used for analysis and all tests were conducted at 5% level of significance. The study findings indicated that banking services are positively related with economic development of SMEs. The study concluded that commercial banks in Nyarugenge district are favorable. The study also concluded commercial bank services are effective and they economic development of SMEs significantly. SMEs in Rwanda suffer from weak financial performance and a high failure rate. Scholars argue that judging by the poor economic development of the informal sector, not much progress seems to have been achieved, despite government efforts to promote SME activity. Some of the key factors attributed to this poor performance is access to financial services. Therefore, the purpose of this study was to examine the contribution of commercial banks in economic development of SMEs Normally, SMES play vital and significant contributors to economic development through their critical role in providing job opportunities and reducing poverty levels, an estimated number of up to 40% of the start-ups SMEs fail by year 2 and at least 60% close their doors by year 4. This menace is attributed to poor financial management among small businesses. Accessing credit is a major constraint to the economic development and growth of SMEs and also to poor rural and urban households. This is mainly due to the behavior of lenders in terms of hedging against borrowers’ risks by demanding collateral, which they lack, and also information asymmetry.
Download or read book Commercial bank behavior and economic activtiy a structural study of monetary policy in the postwar United States written by Stephen M. Goldfeld and published by . This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial Bank Behavior and Economic Activity written by Stephen M. Goldfeld and published by . This book was released on 1966 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of Local Economic Activity and Geographical Diversification on U S Commercial Bank Performance written by Sandra D. Cooke and published by . This book was released on 1996 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Download or read book Commercial Bank Lending and Attitudes Toward Risk and Community Service written by Joel Haggard and published by . This book was released on 1982 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial Bank Behavior in Local Markets written by Edward W. Hill and published by . This book was released on 1981 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt:
