, researchersand regulatory agencies assessing the effects of bank mergerson competition will examine the degree to whichdeposits in a …In the view of most policymakers and economists,competition in retail banking takes place in localmarkets covering a …

bank loans and other sources of credit. Changes incredit standards also help to predict economic growth andnarrower …

failedbank without necessarily finding a sound receiving bank beforehand. LTCB was nationalized under the FinancialReconstruction … Deposit Insurance Corporation (DIC)in order to maintain the franchise value of the bank and toclean up its balance sheet …. Throughout the temporarynationalization, until a sound receiving financial institutionis found, the bank continues to provide its …

credit risk models. Inconducting this exercise, we consider how such a capital regimemight be structured if the models were … issues that would have to beaddressed in creating a capital framework based on credit riskmodels. In particular, we draw on … the structure of the IM capitalcharge for market risk and examine how this structure might beapplied in the credit risk …

individual homeowner credit histories to the loan-levelanalysis of the factors influencing the probability that a homeownerwill … refinance. In addition to credit histories, we includein the analysis changes in individual homeowner’s equity and inthe overall …

themarket risk capital figures reported by bank holding companiesare most useful for tracking changes in market risk exposuresat …