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Toxic asset subsidies and the early redemption of talf loans

Wilson, Linus - In: International Journal of Financial Studies : open … 10 (2022) 2, pp. 1-20

This paper develops a formula to numerically estimate the unsubsidized, fair-market value of the toxic assets purchased with Federal Reserve loans. It finds that subsidy rates on these loans were on average 33.9 percent at origination. In contrast, by the 3rd quarter of the 2010, there was on...

Persistent link: https://www.econbiz.de/10013252762

The SSM at 1

Laeven, Luc; Draghi, Mario; Dombret, Andreas R.; … - SUERF - The European Money and Finance Forum; Deutsche …; … - 2016

On 3 December EY hosted a SUERF conference on banking reform with Sir Howard Davies, the Chairman of RBS, and Dame Colette Bowe, the Chairman of the Banking Standards Board, as the two keynote speakers. Professor David Miles (Imperial College) gave the SUERF 2015 Annual Lecture on Capital and...

Persistent link: https://www.econbiz.de/10011557140

TARP effect on bank lending behaviour : evidence from the last financial crisis

Puddu, Stefano; Waelchli, Andreas - 2015 - This version: April 2014

Using a unique data set based on US commercial banks and county level loan origination for the period 2005-2010, we measure whether banks that benefited from the Troubled Asset Relief Program (TARP) increase small business loan originations. We propose an identification strategy which exploits...

Persistent link: https://www.econbiz.de/10011410414

Liquidation, Bailout, and Bail-in : Insolvency Resolution Mechanisms and Bank Lending

Lambrecht, Bart M. - 2019

how a bailout fund financed through a tax on bank dividends could resolve bailouts without public money and without …

Persistent link: https://www.econbiz.de/10012900014

What Can a Discretionary Bailout Policy Do to Stabilize a Banking System after a Systemic Credit Event?

Steinbacher, Matjaz - 2013

We study the stability of the banking system after a mortgage shock when a discretionary bailout policy is applied … the alternatives for most shock/bailout pairs. The medium-sized banks policy performs the worst and may be feasible only … for a small number of low shock/low bailout probability pairs. We identify a threshold level after which the bailout costs …

Persistent link: https://www.econbiz.de/10013072678

Intervention of Regulatory Bailouts in Loan Partnerships : Evidence of Tarp's Effect on Syndicated Loan Structures

Enkhtaivan, Bolortuya - 2015

This paper is the first to assess the Troubled Asset Relief Program (TARP) at loan level by looking at the structure of loan syndicates. While the purpose of TARP was to stimulate the flow of credit during the economic downturn, the low cost of capital could have functioned as a double-edged...

Persistent link: https://www.econbiz.de/10013012954

How Did Bank Lending to Small Business in the United States Fare After the Financial Crisis?

Cole, Rebel A. - 2019

Aggregate bank-loan data reported by the FDIC show that bank lending to small businesses plummeted during 2009-2011 following the collapse of Lehman Brothers in Sep. 2008 and the onset of the financial crisis, and continued to decline during the post-crisis years 2012-2015. However, the number...

Persistent link: https://www.econbiz.de/10012900554

How Did the Financial Crisis Affect Small Business Lending in the U.S.?

Cole, Rebel A. - 2020

We analyze changes in lending by U.S. banks to businesses during 1994 – 2011. We find thatlending to businesses and, in particular, to small businesses, declined precipitously followingonset of the financial crisis. We also examine the relative changes in business lending by banksthat did, and...

Persistent link: https://www.econbiz.de/10012857401

Commercial bank performance and credit risk in Albania

Kola, Fatmira; Gjipali, Arsena; Sula, Erjon - In: Journal of central banking theory and practice 8 (2019) 3, pp. 161-177

The banking sector is a complex system composed of a large number of stakeholders that interacts in a non-simple way continuously and which plays the key role in economic development of each country. The economies of developing countries like Albania are characterized by high demand for credit...

Persistent link: https://www.econbiz.de/10012101508

Implications of bank regulation for credit intermediation and bank stability : a dynamic perspective ; conference paper

Bucher, Monika; Dietrich, Diemo; Hauck, Achim - 2013

Business cycles imply liquidity risks for banks. This paper explores how these risks influence bank lending over the cycle. With forward-looking banks, lending cycles, credit booms and busts, or suppressed and highly fragile bank systems can emerge, depending on the magnitude of liquidity risks....

Persistent link: https://www.econbiz.de/10010341626

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