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Banks in Space
Oberfield, Ezra; Rossi-Hansberg, Esteban; Trachter, Nicholas - National Bureau of Economic Research - 2024
We study the spatial expansion of banks in response to banking deregulation in the 1980s and 90s. During this period, large banks expanded rapidly, mostly by adding new branches in new locations, while many small banks exited. We document that large banks sorted into the densest markets, but...
Persistent link: https://www.econbiz.de/10014512110
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Social Finance
Kuchler, Theresa - 2020
We review an empirical literature that studies the role of social interactions in driving economic and financial decision making. We first summarize recent work that documents an important role of social interactions in explaining household decisions in housing and mortgage markets. This...
Persistent link: https://www.econbiz.de/10012482193
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Moral Incentives in Credit Card Debt Repayment : Evidence from a Field Experiment
Bursztyn, Leonardo - 2015
bank in Indonesia. In our main treatment, clients receive a text message stating that "non-repayment of debts by someone …
Persistent link: https://www.econbiz.de/10012457058
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Business as Usual : Bank Net Zero Commitments, Lending, and Engagement
Sastry, Parinitha; Verner, Emil; Marqués Ibáñez, David - National Bureau of Economic Research - 2024
We use administrative credit registry data from Europe to study the impact of voluntary lender net zero commitments. We have two sets of findings. First, we find no evidence of lender divestment. Net zero banks neither reduce credit supply to the sectors they target for decarbonization nor do...
Persistent link: https://www.econbiz.de/10014544681
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Monetary Transmission Through Bank Securities Portfolios
Greenwald, Daniel; Krainer, John; Paul, Pascal - National Bureau of Economic Research - 2024
We study the transmission of monetary policy through bank securities portfolios using granular supervisory data on U ….S. bank securities, hedging positions, and corporate credit. Banks that experienced larger losses on their securities during …
Persistent link: https://www.econbiz.de/10014544727
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Destabilizing Digital "Bank Walks"
Koont, Naz; Santos, Tano; Zingales, Luigi - National Bureau of Economic Research - 2024
analysis to the case of Silicon Valley Bank (SVB) and find that the reduced value of the deposit franchise can explain why SVB … was insolvent in early March 2023, even before the bank run occurred …
Persistent link: https://www.econbiz.de/10014576630
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Signals and Stigmas from Banking Interventions : Lessons from the Bank Holiday in 1933
Jaremski, Matthew S.; Richardson, Gary; Vossmeyer, Angela - National Bureau of Economic Research - 2023
next three months. A comprehensive bank-level database reveals the public responded to signals sent by regulators' actions …
Persistent link: https://www.econbiz.de/10014248006
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Do Banks Hedge Using Interest Rate Swaps?
McPhail, Lihong Lu; Schnabl, Philipp; Tuckman, Bruce - National Bureau of Economic Research - 2023
average bank has a large notional amount of swaps-- $434 billion, or more than 10 times assets. But after accounting for the … significant extent to which swap positions offset each other, the average bank has essentially no net interest rate risk from … banks, with some bank swap positions decreasing and some increasing with rates, but aggregating swap positions at the level …
Persistent link: https://www.econbiz.de/10014250183
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Applications or Approvals : What Drives Racial Disparities in the Paycheck Protection Program?
Chernenko, Sergey; Kaplan, Nathan; Sarkar, Asani; … - National Bureau of Economic Research - 2023
bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by fintechs …
Persistent link: https://www.econbiz.de/10014250189
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Bank Branch Density and Bank Runs
Benmelech, Efraim; Yang, Jun; Zator, Michal - National Bureau of Economic Research - 2023
Bank branch density, defined as the number of bank branches to total deposits, has significantly declined over the past …
Persistent link: https://www.econbiz.de/10014322849