The Impact of the Growth of Large, Multistate Banking Organizations on Community Bank Profitability PDF Download
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Author: Gary Whalen
Publisher:
ISBN:
Category : Bank consortia
Languages : en
Pages : 54
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Book Description
Author: Gary Whalen
Publisher:
ISBN:
Category : Bank consortia
Languages : en
Pages : 54
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Book Description
Author: Gary Whalen
Publisher:
ISBN:
Category : Bank holding companies
Languages : en
Pages : 44
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Book Description
"Especially since the passage of the Riegle-Neal Act in 1994, community banks increasingly face large, multistate holding company (MSHC) rivals in the local markets in which they operate. These large MSHCs more often operate through interstate branches, rather than through the offices of a separate subsidiary headquartered in-state. Disagreement persists about the likely effects of this trend on community banks. If large absolute size, or an interstate branch form, confer competitive advantages, the profitability of community banks should be lower in markets where they face such rivals. On the other hand, a number of observers cite possibly offsetting advantages associated with small size, such as a greater ability to offer valued personal service. To date, virtually no empirical studies have focussed on this issue"--Office of the Comptroller of the Currency web site.
Author: Asl? Demirgüç-Kunt
Publisher: World Bank Publications
ISBN:
Category : Bancos comerciales
Languages : en
Pages : 52
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Book Description
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.
Author:
Publisher:
ISBN:
Category : Bank failures
Languages : en
Pages : 586
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Book Description
Author: Allen N. Berger
Publisher: Academic Press
ISBN: 0128005319
Category : Business & Economics
Languages : en
Pages : 296
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Book Description
Bank Liquidity Creation and Financial Crises delivers a consistent, logical presentation of bank liquidity creation and addresses questions of research and policy interest that can be easily understood by readers with no advanced or specialized industry knowledge. Authors Allen Berger and Christa Bouwman examine ways to measure bank liquidity creation, how much liquidity banks create in different countries, the effects of monetary policy (including interest rate policy, lender of last resort, and quantitative easing), the effects of capital, the effects of regulatory interventions, the effects of bailouts, and much more. They also analyze bank liquidity creation in the US over the past three decades during both normal times and financial crises. Narrowing the gap between the "academic world" (focused on theories) and the "practitioner world" (dedicated to solving real-world problems), this book is a helpful new tool for evaluating a bank's performance over time and comparing it to its peer group. - Explains that bank liquidity creation is a more comprehensive measure of a bank's output than traditional measures and can also be used to measure bank liquidity - Describes how high levels of bank liquidity creation may cause or predict future financial crises - Addresses questions of research and policy interest related to bank liquidity creation around the world and provides links to websites with data and other materials to address these questions - Includes such hot-button topics as the effects of monetary policy (including interest rate policy, lender of last resort, and quantitative easing), the effects of capital, the effects of regulatory interventions, and the effects of bailouts
Author: Timothy H. Hannan
Publisher:
ISBN:
Category : Bank marketing
Languages : en
Pages : 52
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Book Description
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 232
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Book Description
Author:
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 522
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Book Description
Author:
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 624
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Book Description
Author: Hasan Dincer
Publisher: Springer
ISBN: 9783319344973
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
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.
