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Banking Competition, Monitoring Incentives and Financial Stability
Vo, Quynh-Anh - 2010
This paper addresses the topic regarding the desirability of competition in banking industry. In a model where banks compete on both deposit and loan markets and where banks can use monitoring technology to control entrepreneurs' behavior, we investigate three questions: what are the effects of...
Persistent link: https://www.econbiz.de/10013152326
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Profitability and Capital Requirements for Banks Issuing Deposits
Mazzoni, Giancarlo - 2017
A simple analytical framework of bank's behaviour is presented to explore the key drivers of banks' profitability … prudential measures (here focus will be devoted on capital requirements) interact affecting bank's profitability (focus here is … bank issuing deposits (and exploiting its implicit rent) …
Persistent link: https://www.econbiz.de/10012960454
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Basel III LCR requirement and banks' deposit funding : empirical evidence from emerging markets
Mashamba, Tafirei; Magweva, Rabson - In: Journal of central banking theory and practice 8 (2019) 2, pp. 101-128
In December 2010, the Basel Committee on Baking Supervision introduced the liquidity coverage ratio (LCR) standard for banking institutions in response to disturbances that rocked banks during the 2007/08 global financial crisis. The rule is aimed at enhancing banks' resilience to short term...
Persistent link: https://www.econbiz.de/10012016816
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Banking Competition, Monitoring Incentives and Financial Stability
Quynh Anhy, Vo Thi - 2010
This paper addresses the desirability of competition in banking industry. In a model where banks compete on both deposit and loan markets and where banks can use monitoring technology to control entrepreneurs' behavior, we investigate three questions: what are the effects of competition on...
Persistent link: https://www.econbiz.de/10014191429
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Capital Regulation and Bank Deposits
Arping, Stefan - 2018
deposits. However, I also find that, for this effect to occur, capital requirements may have to be stringent enough: When bank …
Persistent link: https://www.econbiz.de/10012937574
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Bank Regulation When Both Deposit Rate Control and Capital Requirements are Socially Costly
Nielsen, Carsten - 2015
We provide a welfare comparison of the two types of banking regulation commonly used to address moral hazard problems, deposit rate ceilings and minimum capital requirements. It is well understood that interference with the price mechanism may lead to inefficiencies -- in the case of a deposit...
Persistent link: https://www.econbiz.de/10013012740
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Internal Models for Deposits : Effects on Banks' Capital and Interest Rate Risk of Assets
Dal Borgo, Mariela - 2020
This study first investigates why only some banks use the internal models (IMs) introduced by Basel II that lead to more risk-sensitive capital ratios than standardized approaches (SA). I predict that banks opt for an IM if it allows economizing on capital requirements, given their underlying...
Persistent link: https://www.econbiz.de/10012851087
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It's Time to Regulate Stablecoins as Deposits and Require Their Issuers to Be FDIC-Insured Banks
Wilmarth, Arthur E. - 2022
In November 2021, the President’s Working Group on Financial Markets (PWG) issued a report analyzing the rapid expansion and growing risks of the stablecoin market. PWG’s report determined that stablecoins pose a wide range of potential hazards, including the risks of inflicting large losses...
Persistent link: https://www.econbiz.de/10013309420
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Capital Regulation with Non-Maturing Deposits
Jermann, Urban J.; Xiang, Haotian - 2023
make bank deposits endogenously long-term. Capital regulation addresses deposit dilution but is subject to a time … significantly impacts optimal bank capital regulation. We examine how capital regulation stringency changes across different …
Persistent link: https://www.econbiz.de/10014355377
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Bank Earnings Smoothing, Audit Quality and Procyclicality in Africa : The Case of Loan Loss Provisions
Ozili, Peterson K - 2017
via loan loss provisions is not reduced among African banks with Big 4 auditor; and (iv) bank provisioning in Africa is …
Persistent link: https://www.econbiz.de/10012960199