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 The Entry Performance and Risk Profile of De Novo Banks written by Yan Y. Lee and published by . This book was released on 2016 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: From 2000 to 2008, 1,042 new community banks were chartered. Despite the largest financial crisis in decades, the vast majority of these new banks either survived or were financially healthy when merged with another bank. In this paper we investigate whether the patterns of community bank de novo formation and failure for this cohort that formed just prior to the recent financial crisis were the same as for new institutions from earlier periods. Similar to previous periods, we find that many of the new banks chartered were in markets that experienced bank mergers or acquisitions, and were large and growing. Consistent with a “life-cycle theory” of de novos, compared with small established banks, recent de novos were financially fragile and failed at higher rates during the crisis. Discrete-time hazards models confirm that failed de novos from the recent period invested heavily in construction and development lending prior to the crisis, similar to the concentrated loan portfolios exhibited by earlier cohorts.
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 Factors Influencing de Novo Bank Performance written by David A. De Groot and published by . This book was released on 1996 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this study is to test the hypothesis that the profitability and growth of a newly formed bank can be estimated given the bank's environment characteristics, quality of resources, marketing strategies, and methods of operation.
Download or read book Predicting de Novo Branch Entry Into Rural Markets written by Gary Whalen and published by . This book was released on 1989 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Compendium of Issues Relating to Branching by Financial Institutions written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and published by . This book was released on 1976 with total page 548 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Dynamics of M A Strategy written by Björn B. Schmidt and published by Peter Lang. This book was released on 2010 with total page 362 pages. Available in PDF, EPUB and Kindle. Book excerpt: China's banking sector has witnessed significant inbound M&A traffic by developed market banks in recent years. At the same time, Chinese banks have risen to become some of the world's biggest banks. Along with these massive market values and financing capabilities have come global ambitions culminating in first outbound M&A moves. This study exploratively researches the relationship between developed market banks' inbound M&A into China and Chinese banks' outbound M&A. Based on a conceptual discussion, case studies and expert interviews an explanation model is developed outlining the drivers and barriers of Chinese banks' outbound M&A and the factors in the inbound-outbound relationship. This model enables developed market banks to analyse potential M&A reactions by incumbents. Finally, dynamic M&A market entry strategies are derived, which explicitly account for future incumbent outbound M&A moves.
Download or read book International Bibliography of Economics 1998 written by Compiled by the British Library of Political and Economic Science and published by Psychology Press. This book was released on 1999-12-16 with total page 644 pages. Available in PDF, EPUB and Kindle. Book excerpt: Renowned for its international coverage and rigorous selection procedures, this series provides the most comprehensive and scholarly bibliographic service available in the social sciences. Arranged by topic and indexed by author, subject and place-name, each bibliography lists and annotates the most important works published in its field during the year of 1997, including hard-to-locate journal articles. Each volume also includes a complete list of the periodicals consulted.
Download or read book Geographic Restrictions on Commercial Banking in the United States written by United States. President (1977-1981 : Carter) and published by . This book was released on 1981 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Safe Sound Banking Past Present Future A Reprint from the Journal Economic Review written by and published by DIANE Publishing. This book was released on with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Frontiers of Banks in a Global Economy written by Philip Molyneux and published by Springer. This book was released on 2007-12-17 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today's globalized economy, banking is of international importance. This book interrogates important issues, including reform in China, electronic money and loan pricing. Highlighting key policy and research, it provides insight into contemporary global banking trends and assesses the impact of new technology for future industry development.
Download or read book Globalization of Financial Institutions written by Hasan Dincer and published by Springer Science & Business Media. This book was released on 2013-11-23 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: This peer-reviewed volume from the Society for the Study of Business and Finance, discusses current issues in globalization and financial system from an international political and economic perspective. Contemporary instruments and actors in the global financial system are specially analyzed and the discussion of managerial and financial issues of the global financial strategies offers novelty to readers and researchers in the field.
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 FDIC Banking Review written by and published by . This book was released on 1992 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Securities Activities of Commercial Banks written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities and published by . This book was released on 1976 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deregulation and Efficiency of Indian Banks written by Sunil Kumar and published by Springer Science & Business Media. This book was released on 2013-10-23 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: The goal of this book is to assess the efficacy of India’s financial deregulation programme by analyzing the developments in cost efficiency and total factor productivity growth across different ownership types and size classes in the banking sector over the post-deregulation years. The work also gauges the impact of inclusion or exclusion of a proxy for non-traditional activities on the cost efficiency estimates for Indian banks, and ranking of distinct ownership groups. It also investigates the hitherto neglected aspect of the nature of returns-to-scale in the Indian banking industry. In addition, the work explores the key bank-specific factors that explain the inter-bank variations in efficiency and productivity growth. Overall, the empirical results of this work allow us to ascertain whether the gradualist approach to reforming the banking system in a developing economy like India has yielded the most significant policy goal of achieving efficiency and productivity gains. The authors believe that the findings of this book could give useful policy directions and suggestions to other developing economies that have embarked on a deregulation path or are contemplating doing so.
Download or read book Securities Activities of Commercial Banks Hearings Before the Subcommitteeon Securities of 94 1 December 9 and 10 1975 110 1 United States written by and published by . This book was released on 1975 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt:
