Download or read book The Determinants of de Novo Bank Survival written by Robert DeYoung and published by . This book was released on 2000 with total page 49 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Determinants of De Novo Bank Survival written by Robert DeYoung and published by . This book was released on 2008 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: The number of newly chartered, or 'de novo,' commercial banks in the U.S. has increased every year since 1994. These new banks are potentially important for preserving competition and providing credit in consolidating banking markets. However, like other new business ventures, newly chartered banks can be prone to failure. To investigate the long-run financial viability of newly chartered banks, we estimate a 'split-population' duration model for 656 commercial banks chartered in 1984 and 1985. To provide a benchmark, we estimate a similar model for 1,288 small established banks located in the same geographic markets. Our results are consistent with a 'life-cycle' theory of bank failure. Because new banks are heavily capitalized and hold portfolios of unseasoned loans, they are initially less likely to fail than established banks. But rapid asset growth, subpar profitability, and declining loan quality gradually erode their capital stocks. De novo failure rates catch up with, and then surpass, established bank failure rates within five years. After seven years, de novo banks are twice as likely to fail as established banks. We find similar determinants of failure for de novo and established banks, including adverse economic conditions, rapid asset growth, concentrations of risky and illiquid investments, large amounts of purchased funds, and excess overhead spending. For de novo banks that eventually fail, we find that failure is accelerated by concentrations of business loans, large amounts of purchased funds, low capital ratios, and excess overhead spending; failure was delayed by fast asset growth, holding company affiliation, and holding a federal charter. We find no significant evidence that de novo national banks were more likely to fail than de novo state chartered banks, which suggests that the OCC's relatively lenient chartering policies increased local market competition without materially increasing new bank failure. We find that low capital ratios accelerate failure for de novo banks that do fail, but we find that capital ratios do not significantly predict which new banks will eventually fail. Thus, requiring higher levels of capital for young banks does not reduce their probability of failure, but rather serves as a buffer that provides extra time to resolve young banks should they become troubled institutions.
Download or read book Determinants of De Novo Entry in Banking written by Steven A. Seelig and published by . This book was released on 1999 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Performance of De Novo Commercial Banks written by Robert DeYoung and published by . This book was released on 1997 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Recovery Determinants of Distressed Banks written by Michael Koetter and published by International Monetary Fund. This book was released on 2010-01-01 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Based on detailed regulatory intervention data among German banks during 1994-2008, we test if supervisory measures affect the likelihood and the timing of bank recovery. Severe regulatory measures increase both the likelihood of recovery and its duration while weak measures are insignificant. With the benefit of hindsight, we exclude banks that eventually exit the market due to restructuring mergers. Our results remain intact, thus providing no evidence of "bad" bank selection for intervention purposes on the side of regulators. More transparent publication requirements of public incorporation that indicate more exposure to market discipline are barely or not at all significant. Increasing earnings and cleaning credit portfolios are consistently of importance to increase recovery likelihood, whereas earnings growth accelerates the timing of recovery. Macroeconomic conditions also matter for bank recovery. Hence, concerted micro- and macro-prudential policies are key to facilitate distressed bank recovery.
Download or read book Report written by New York University. Salomon Center and published by . This book was released on 2000 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The American Dimension written by W. Arens and published by Port Washington, N.Y. : Alfred Publishing Company. This book was released on 1976 with total page 638 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book FDIC Banking Review written by and published by . This book was released on 1993 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Economic Perspectives written by and published by . This book was released on 2002 with total page 522 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Research Paper written by and published by . This book was released on 1988 with total page 614 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Should New Or Rapidly Growing Banks Have More Equity written by Juha-Pekka Niinimäki and published by . This book was released on 2001 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tiivistelmä: Pitäisikö uusille ja nopeasti kasvaville pankeille asettaa tavallista tiukemmat vakavaraisuusvaatimukset?
Download or read book Economic Review written by and published by . This book was released on 2005 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Review Of Financial Economics written by R. DeYoung and published by . This book was released on 2003 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bankruption written by John Waupsh and published by John Wiley & Sons. This book was released on 2016-10-21 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: Community banking can flourish in the face of fintech and global competition with a fresh approach to strategy Bankruption + Website offers a survival guide for community banks and credit unions searching for relevance amidst immense global competition and fintech startups. Author John Waupsh is the Chief Innovation Officer at Kasasa, where he helps spearhead financial product development and implementation across hundreds of institutions. In this guide, he draws on more than a decade in the industry to offer clear, practical advice for competing with the megabanks, direct banks, non-banks, and financial technology companies. The discussion separates futurist thinking from today's realities, and dispels common myths surrounding the U.S. community banking model in order to shed light on the real challenges facing community banking institutions. It follows with clear solutions, proven strategies, and insight from experts across banking and fintech. All arguments are backed by massive amounts of data, and the companion website provides presentation-ready visualizations to help you kickstart change within your team. In the U.S. and around the globe, fintech companies and non-banks alike are creating streams of banking services that are interesting, elegant, and refreshing—and they're winning the hearts and minds of early adopters. Not a one-size-fits-all approach, this book offers many different tactics for community banks and credit unions to compete and flourish in the new world. Analyze fintech's threat to the community banking model Learn where community banking must improve to compete Disprove the myths to uncover the real challenges banks face Adopt proven strategies to bring your organization into the future Community banks and credit unions were once the go-to institutions for local relationship banking, but their asset share has been on the decline for three decades as the big banks just got bigger. Now, fintech companies are exploiting inefficiencies in the traditional banking model to streamline service and draw even more market share, as community banking executives are left at a loss for fresh tactics and forward-looking strategy. Bankruption + Website shows how community banks can be saved, and provides a proven path to success.
Download or read book Determinants of Bank Involvement with SMEs written by Victor U. Ekpu and published by Springer. This book was released on 2015-12-23 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a comprehensive, yet concise text that brings together all aspects of SME banking theories and empirical studies in one text. The book contains the latest policy debates on money creation and credit rationing and the relative role of demand-side and supply-side factors affecting SME financing. Readers will understand the borrower-specific, lender-specific and business environment drivers of bank finance for SMEs as well as the determinants of loan contract terms, particularly the risk premium and collateral. Readers will also understand how loan officers acquire proprietary information on SMEs and apply various lending techniques, such as financial statement lending, relationship lending and credit scoring to the loan underwriting process. In addition, the book also features recent trends on the rise of alternative finance intermediaries such as online peer-to-peer lenders and the competitive implications for traditional banks providing loans to SMEs. Findings from this work will thus be of particular interest to commercial bankers, bank-dependent small business borrowers as well as policy makers, and researchers in central banks, development banks, development agencies and international financial institutions.
Download or read book Banks Systemic Risk and Design of Prudential Regulation written by Viral V. Acharya and published by . This book was released on 2000 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Journal of Banking Finance written by and published by . This book was released on 1995 with total page 1028 pages. Available in PDF, EPUB and Kindle. Book excerpt:
