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The Determinants of Credit Union Failure in the United Kingdom : How Important Are Macroeconomic Factors?
Coen, Jamie - 2020
Using regulatory data on credit unions, this paper provides empirical evidence on the determinants of credit union failure in the United Kingdom. We find that a small set of financial attributes related to capital adequacy, asset quality, earnings performance and liquidity is useful for early...
Persistent link: https://www.econbiz.de/10012843755
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The Determinants of UK Credit Union Failure
Coen, Jamie - 2017
This paper examines the determinants of credit union failure in the United Kingdom. Using regulatory data on credit unions, we estimate several discrete-time logit models and evaluate their predictive ability at one, two and three-year time horizons. We find that a small set of financial...
Persistent link: https://www.econbiz.de/10012957936
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Lending Booms, Reserves, and the Sustainability of Short-Term Debt : Inferences from the Pricing of Syndicated Bank Loans
Eichengreen, Barry - 1999
This paper analyzes the determinants of spreads on syndicated bank lending to emerging markets, treating the loan … interpretation of bank finance as dominating that segment of international financial markets characterized by the most pronounced …
Persistent link: https://www.econbiz.de/10012471681
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Lending to Lemons : Landschafts-Credit in 18th Century Prussia
Wandschneider, Kirsten - 2013
The following paper describes the emergence of cooperative mortgage credit associations, called "Landschaften" in 18th century Prussia, and thereby tells the history of mortgage-covered bonds. Landschaften facilitated the refinancing of loans for Prussian estates by issuing covered bonds...
Persistent link: https://www.econbiz.de/10012459502
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External support and bank behaviour in the international syndicated loan market
Gadanecz, Blaise; Tsatsarōnēs, Kōstas; Altunbaş, Yener - Bank für Internationalen Zahlungsausgleich <Basel> - 2008
Banks that enjoyed generous external financial support tended to under-price risk in theinternational syndicated loan market and did not show signs of innovation in their loanparticipations. Loans arranged by such banks had on average lower spreads (controlling forrisk and other characteristics)...
Persistent link: https://www.econbiz.de/10009248827
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Using Shapley's Asymmetric Power Index to Measure Banks' Contributions to Systemic Risk
Garratt, Rodney - 2012
An individual bank can put the whole banking system at risk if its losses in response to shocks push losses for the …
Persistent link: https://www.econbiz.de/10013098830
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Simple Banking : Profitability and the Yield Curve
Alessandri, Piergiorgio - 2012
How does bank profitability vary with interest rates? We present a model of a monopolistically competitive bank subject …
Persistent link: https://www.econbiz.de/10013104541
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The Business Cycle Implications of Banks’ Maturity Transformation
Andreasen, Martin M. - 2012
This paper develops a DSGE model in which banks use short-term deposits to provide firms with long-term credit. The demand for long-term credit arises because firms borrow in order to finance their capital stock which they only adjust at infrequent intervals. We show within a real business cycle...
Persistent link: https://www.econbiz.de/10013108678
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Loan Loss Provisioning Practices of Asian Banks
Packer, Frank - 2014
In the wake of the Asian financial crisis, many regimes in Asia adopted stricter provisioning requirements, as well as discretionary measures, with the objective of increasing provisioning in good times in response to rising levels of risk. Based on a final sample of 240 banks in 12 Asian...
Persistent link: https://www.econbiz.de/10013066258
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The Influence of Monetary Policy on Bank Profitability
Borio, Claudio E. V. - 2015
This paper investigates how monetary policy affects bank profitability. We use data for 109 large international banks … short-term rates and the slope of the yield curve (the "interest rate structure", for short), on the one hand, and bank … that, over time, unusually low interest rates and an unusually flat term structure erode bank profitability …
Persistent link: https://www.econbiz.de/10013014487