Dynamics of Bank Deposits PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download Dynamics of Bank Deposits PDF full book. Access full book title Dynamics of Bank Deposits by Debesh Roy. Download full books in PDF and EPUB format.
Author: Debesh Roy
Publisher: Berghahn Books
ISBN: 9788187358114
Category : Business & Economics
Languages : en
Pages : 216
Get Book Here
Book Description
Where bank deposits are the only profitable savings instrument available in the rural centers of India that have few or no bank outlets, there is ample scope for faster mobilization of deposits. The data presented is enriched by a comparative analysis of the growth of bank deposits in ten economically developed states, Andhra Pradesh, Gujarat, Haryana, Karnataka, Kerala, Maharashtra, Punjab, Tamil Nadu, West Bengal and Delhi, and ten developing areas, Assam, Bihar, Himachal Pradesh, Jammu and Kashmir, Madhya Pradesh, Manipur, Meghalaya, Orissa, Rajasthan and Uttar Pradesh between the years 1973 and 1999.
Author: Debesh Roy
Publisher: Berghahn Books
ISBN: 9788187358114
Category : Business & Economics
Languages : en
Pages : 216
Get Book Here
Book Description
Where bank deposits are the only profitable savings instrument available in the rural centers of India that have few or no bank outlets, there is ample scope for faster mobilization of deposits. The data presented is enriched by a comparative analysis of the growth of bank deposits in ten economically developed states, Andhra Pradesh, Gujarat, Haryana, Karnataka, Kerala, Maharashtra, Punjab, Tamil Nadu, West Bengal and Delhi, and ten developing areas, Assam, Bihar, Himachal Pradesh, Jammu and Kashmir, Madhya Pradesh, Manipur, Meghalaya, Orissa, Rajasthan and Uttar Pradesh between the years 1973 and 1999.
Author: Andrea M. Maechler
Publisher: International Monetary Fund
ISBN: 1451875401
Category : Business & Economics
Languages : en
Pages : 35
Get Book Here
Book Description
This paper investigates the presence of depositor discipline in the U.S. banking sector. We test whether depositors penalize (discipline) banks for poor performance by withdrawing their uninsured deposits. While focusing on the movements in uninsured deposits, we also account for the possibility that banks may be forced to pay a risk premium in the form of higher interest rates to induce depositors not to withdraw their uninsured deposits. Our results support the existence of depositor discipline: a weak bank may not necessarily be able to stop a deposit drain by raising its uninsured deposit interest rates.
Author: Patrick Bolton
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
Get Book Here
Book Description
We propose a dynamic theory of banking where the role of deposits is akin to that of productive capital in the classical Q-theory of investment for non-financial firms. As a key source of leverage, deposits create value for well-capitalized banks. However, unlike productive capital of nonfinancial firms that typically has a positive marginal q, the deposit q can turn negative for undercapitalized banks. Demand deposit accounts commit banks to allow holders to withdraw or deposit funds at will, so banks cannot perfectly control leverage. Therefore, for banks with insufficient capital to buffer risk, deposit inflow destroys value through the uncertainty it brings in future leverage. This intertemporal channel complements the focus of static models on value destruction of deposit outflow and bank run. Our model predictions on bank valuation and dynamic asset-liability management are broadly consistent with the evidence. Moreover, our model lends itself to a re-evaluation of the costs and benefits of leverage regulation, offers alternative perspectives on banking in a low interest rate environment, and reveals new aspects of deposit market power that has unique implications on bank franchise value.
Author: Federal Reserve Bank of Chicago
Publisher: Createspace Independent Publishing Platform
ISBN: 9781518859021
Category :
Languages : en
Pages : 42
Get Book Here
Book Description
From the introductory. The purpose of this booklet is to describe the basic process of money creation in a "fractional reserve" banking system. The approach taken illustrates the changes in bank balance sheets that occur when deposits in banks change as a result of monetary action by the Federal Reserve System -- the central bank of the United States. The relationships shown are based on simplifying assumptions. For the sake of simplicity, the relationships are shown as if they were mechanical, but they are not, as is described later in the booklet. Thus, they should not be interpreted to imply a close and predictable relationship between a specific central bank transaction and the quantity of money. The introductory pages contain a brief general description of the characteristics of money and how the U.S. money system works. The illustrations in the following two sections describe two processes: first, how bank deposits expand or contract in response to changes in the amount of reserves supplied by the central bank; and second, how those reserves are affected by both Federal Reserve actions and other factors. A final section deals with some of the elements that modify, at least in the short run, the simple mechanical relationship between bank reserves and deposit money.
Author: Michael Khromov
Publisher:
ISBN:
Category :
Languages : en
Pages : 2
Get Book Here
Book Description
In the first eight months of 2018 retail bank deposits turned out to be the primary source of expanding the resource base of the Russian banking sector. Retail deposits, however, posted almost the slowest dynamics over a longterm period of monitoring. This is what restricts opportunities of the banking sector to steadily increase lending to the economy.
Author: Mr.David A. Grigorian
Publisher: International Monetary Fund
ISBN: 1498381839
Category : Business & Economics
Languages : en
Pages : 24
Get Book Here
Book Description
The unprecedented expansion of sovereign balance sheets since the global financial crisis has given a new meaning to the term sovereign risk. Developments in Europe since early 2010 presented new challenges for the functioning of private banks in an environment of heightened sovereign risk. This paper uses an innovative way of measuring the perception of sovereign risk and its impact on deposit dynamics during 2006–11. Using an extension of a common market discipline framework, it shows that exposure to sovereign risk may have limited the ability of banks in Europe to attract deposits. The results are robust to inclusion of conventional measures of bank performance and the sector-wide holdings of foreign sovereign debt.
Author:
Publisher: Lulu.com
ISBN: 9291316695
Category : Bank capital
Languages : en
Pages : 294
Get Book Here
Book Description
Author: Federal Reserve Bank Of Chicago
Publisher: Lulu.com
ISBN: 1105038319
Category : Business & Economics
Languages : en
Pages : 46
Get Book Here
Book Description
This reprint presents Modern Money Mechanics as it was originally published by the Federal Reserve Bank of Chicago in editions ranging from 1961-1992. The last revision, made in 1992, was most recently published in 1994. As a description of our money system since the time of the creation of the Federal Reserve, hard money advocates, political libertarians and others have found the content of this book damning and used it as part of a general critique of American fiat currency. This booklet has been cited by Gary North, Lew Rockwell, the U.S. and U.K. Libertarian parties and many others. It even features in YouTube videos. As a simplified model for fractional reserve banking, Modern Money Mechanics remains an excellent beginning, one that can be read in a single sitting and one that has the advantage of showing us the Federal Reserve presenting itself and its operations to a broad, mass readership.
Author: Urban Jermann
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
Get Book Here
Book Description
The majority of bank liabilities are deposits typically not withdrawn for extended periods. We propose a dynamic model of banks in which depositors forecast banks' leverage and default decisions, and withdraw optimally by trading off current against future liquidity needs. Endogenous deposit maturity creates a time-varying dilution problem that has major effects on bank dynamics. Interest rate cuts produce delayed increases in bank risk which are stronger in low rate regimes. Deposit insurance can exacerbate the deposit dilution and amplify the increase in bank risk.
Author: Thomas Bruce Robb
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 248
Get Book Here
Book Description
