This paper examines the profit testing of life insurance companies that issue participating policies, type B and type A … stochastic and modeled by normal or variance gamma distributions. We rely on the stochastic profit testing techniques introduced … the profit testing indicators. We show that the variance gamma model results in more conservative predictions - in a …

study reveals that the bank-specific factors are the most influential on banks’ profitability, and to a lesser extent the … addition to financial inclusion indicators, We include bank-specific factors and macroeconomic variables into the analysis. The … adequacy ratio, the credit growth for the banking sector, the real GDP growth rate, and the inflation rate on banks’ earnings …

This paper presents a conceptual framework for explaining credit union (CU) loan delinquency and profitability in …

We draw on stylized facts from the finance literature to build a model where altering the relative costs of bank and …

are regulated, including the need to obtain a charter to operate and explicit and implicit federal guarantees of bank … liabilities to reduce the probability of bank runs. These aspects of banking affect a bank´s choice of risk vs. expected return …, which, in turn, affects bank performance. Banks have an incentive to reduce risk to protect the valuable charter from …