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We study how deposit competition affects a bank’s decision to securitize mortgages. Exploiting the state-specific removal of deposit market caps across the US as a source of competition, we find a 7.1 percentage point increase in the probability that banks securitize mortgage loans. This...
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deposits and a corresponding decrease in banks’ deposit growth. Our results are strongest among small and single state …
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Does an increase in competition increase or decrease bank stability? I exploit how the state-specific process of … significantly increases bank stability. This result is robust to the inclusion of additional fixed effects and other influences … loans and increases bank profitability. These findings suggest that competition increases stability as it improves bank …
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This study analyses the implication of regulation and competition for stability in the Sub-Saharan Africa (SSA) banking … affecting stability in SSA banking sectors, using transformed quarterly data for the period 2006 to 2015 in order to recover … other regulatory variables employed, have the largest impact on the stability of the commercial banking sectors of SSA …
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