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How Much Did Banks Pay to Become Too-Big-To-Fail and to Become Systemically Important?

Brewer, Elijah; Jagtiani, Julapa - In: Journal of Financial Services Research 43 (2013) 1, pp. 1-35

This paper estimates the value of the too-big-to-fail (TBTF) subsidy. Using data from the merger boom of 1991–2004, we find that banking organizations were willing to pay an added premium for mergers that would put them over the asset sizes that are commonly viewed as the thresholds for being...

Persistent link: https://www.econbiz.de/10010863590

The interplay among Financial regulations, resilience, and growth

Allen, Franklin; Goldstein, Itay; Jagtiani, Julapa - In: Journal of financial services research : JFSR 53 (2018) 2/3, pp. 141-162

Persistent link: https://www.econbiz.de/10012023950

How much did banks pay to become too-big-to-fail and to become systemically important?

Brewer, Elijah; Jagtiani, Julapa - In: Journal of financial services research : JFSR 43 (2013) 1, pp. 1-35

Persistent link: https://www.econbiz.de/10009719136

The evolution of u.s. Community banks and its impact on small business lending

Jagtiani, Julapa; Kotliar, Ian; Maingi, Ramain Quinn - Federal Reserve Bank of Philadelphia - 2014

There have been increasing concerns about the declining number of community banks and that the acquisitions of … community banks by larger banks might result in significant reductions in small business lending (SBL) and disrupt relationship … lending. This paper examines the roles and characteristics of U.S. community banks in the past decade, covering the recent …

Persistent link: https://www.econbiz.de/10010772626

The Mortgage Financial Crises: The Role of Credit Risk Management and Corporate Governance

Lang, William W.; Jagtiani, Julapa - Weiss Center for International Financial Research, … - 2010

This paper discusses the role of risk management and corporate governance as causal factors in the onset of the financial crisis. The downturn in the housing and mortgage markets precipitated the first phase of the financial crisis in August 2007 when the solvency of a number of large financial...

Persistent link: https://www.econbiz.de/10010838909

Enhancing prudential standards in financial regulations

Allen, Franklin; Goldstein, Itay; Jagtiani, Julapa; … - Federal Reserve Bank of Philadelphia - 2014

The financial crisis has generated fundamental reforms in the financial regulatory system in the U.S. and internationally. Much of this reform was in direct response to the weaknesses revealed in the precrisis system. The new “macroprudential” approach to financial regulations focuses on...

Persistent link: https://www.econbiz.de/10011103534

Foreclosure delay and consumer credit performance

Calem, Paul S.; Jagtiani, Julapa; Lang, William W. - Federal Reserve Bank of Philadelphia - 2014

The deep housing market recession from 2008 through 2010 was characterized by a steep increase in the number of foreclosures. Foreclosure timelines — the length of time between initial mortgage delinquency and completion of foreclosure — also expanded significantly, averaging up to three...

Persistent link: https://www.econbiz.de/10011027301

Credit access after consumer bankruptcy filing: new evidence

Jagtiani, Julapa; Li, Wenli - Federal Reserve Bank of Philadelphia - 2014

Supersedes Working Paper No. 13-24 This paper uses a unique data set to shed new light on credit availability to consumer bankruptcy filers. In particular, the authors’ data allow them to distinguish between Chapter 7 and Chapter 13 bankruptcy filings, to observe changes in credit demand and...

Persistent link: https://www.econbiz.de/10010930292

Do Fintech lenders penetrate areas that are underserved by traditional banks?

Jagtiani, Julapa; Lemieux, Catharine M. - 2018

. In this paper, we use account-level data from LendingClub and Y-14M data reported by U.S. banks with assets over $50 …€™s consumer lending activities have penetrated areas that may be underserved by traditional banks, such as in highly concentrated …

Persistent link: https://www.econbiz.de/10011891828

The roles of alternative data and machine learning in Fintech lending : evidence from the LendingClub consumer platform

Jagtiani, Julapa; Lemieux, Catharine M. - 2018

Supersedes Working Paper 17-17. Fintech has been playing an increasing role in shaping financial and banking landscapes. There have been concerns about the use of alternative data sources by fintech lenders and the impact on financial inclusion. We compare loans made by a large fintech lender...

Persistent link: https://www.econbiz.de/10011891843