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Complexity in Large U.S. Banks
Goldberg, Linda S. - 2020
The structural complexity of the largest U.S. bank holding companies (BHCs) has been changing. Following the global financial crisis, the simplification of bank complexity was a policy priority. Using a variety of measures of organizational, business, and geographic complexity, the authors show...
Persistent link: https://www.econbiz.de/10012830133
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The rising gap between primary and secondary mortgage rates
Fuster, Andreas; Goodman, Laurie; Lucca, David O.; … - In: Economic Policy Review (2013) Dec, pp. 17-39
While mortgage rates reached historic lows during 2012, the spread between primary and secondary rates rose to very high levels. This trend reflected a number of factors that potentially affected mortgage originator costs and profits and restrained the pass-through from lower secondary rates to...
Persistent link: https://www.econbiz.de/10010757404
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Why Do Supervisors Rate Banking Organizations?
Bergin, James; Stiroh, Kevin - 2021
This article addresses a question that at first may appear simple: why do supervisors rate banking organizations … banking organizations. They conclude with a discussion of the implications for the design and implementation of bank ratings …
Persistent link: https://www.econbiz.de/10013311736
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Do big banks have lower operating costs?
Kovner, Anna; Vickery, James; Zhou, Lily - In: Economic Policy Review (2014) Dec, pp. 1-27
) in order to shed light on the sources of scale economies in banking. Drawing on detailed expense information provided by … U.S. banking firms in the memoranda of their regulatory filings, the authors find a robust negative relationship between … evidence that the inverse relationship between banking firm size and NIE ratios disappears above a given size threshold. In …
Persistent link: https://www.econbiz.de/10011119873