We examine the impact of ownership on income diversification and risk for Indian banks over the period 2001–2009. We … investigate both the determinants of non-interest income and the impact of diversification on various profitability and insolvency … less likely to pursue non-interest income sources. Fee-based income significantly reduces risk, measured by profitability …

-traditional activities is negatively correlated with risk-adjusted profitability measures in the former subperiod, suggesting no obvious …This paper examines the determinants of bank net interest margin (NIM) and non-traditional banking activities (NII). A … diversification benefits. However, the share of noninterest income is positively related to the return on assets (ROA) and the return …

business cycle and bank default risk. Our analysis provides evidence of diversification benefits. The probability of insolvency …The relationship between macroeconomic developments and bank capital buffer and portfolio risk adjustments is relevant … offer some support for the Basel III agreements that countercyclical capital buffer in the banking sector is necessary to …

crisis on banks and insurers. We examine the systemic interdependencies within and across the European banking and insurance … risk can be lowered through financial conglomeration. …

progress of banking reforms. A further examination of alternative risk measures reveals that the increases in financial … causal effects of those reforms on bank risk. Using a difference-in-difference approach, we show that banks’ financial … stability increases substantially after these countries reform their legal institutions, liberalize banking, and restructure …

Basel Accords and the balance sheet leverage cap imposed by Canadian banking regulations did not change this cyclical … of the banking sector. …

model of Aghion et al. (2005b) at the firm level for the US banking industry. Based on individual bank Call Report data for … structural changes in the US banking industry indicates that banks moved beyond their optimal innovation level and that … interstate banking deregulation resulted in lower bank innovation. Policy implications to financial reform and prudential …

outcomes in banking. We test if these factors increase the probability that the appointee to an executive board is an outsider … educational backgrounds affect tenure differently across the banking sectors. Maintaining more contacts to the executive board … reduces tenure. We also find weak evidence that social ties are associated with reduced profitability, consistent with …