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The present study undertakes an overview of the role of deposit guarantee schemes (DGSs) within the banking crisis management framework. It is structured in four Section:Section 1 discusses the policy objectives of DGSs, namely the protection of depositors and the contribution to the stability...
Persistent link: https://www.econbiz.de/10012437049
Using a large panel of US bank holding companies from 2001 to 2015, this study investigate how depositors respond to the bank's discretionary behaviors. We document evidence of a higher deposit rates for banks that engage more in earnings management, suggesting the evidence of market discipline....
Persistent link: https://www.econbiz.de/10012914000
Studying the dynamics of deposits is important for three reasons: first, it serves as an important component of liquidity stress testing; second, it is crucial to asset-liability management exercises and the allocation between liquid and illiquid assets; third, it is the support for a liquidity...
Persistent link: https://www.econbiz.de/10012845869
This paper investigates the relation between national culture and bank deposits. Using annual data (1995-2015) for 99 banks that participated in the 2014 stress tests of the European Banking Authority, we document relations between three national cultural traits and bank deposits. The effect of...
Persistent link: https://www.econbiz.de/10012848611
Deposit insurance is one of the main pillars of banking regulation meant to safeguard financial stability. In early …
Persistent link: https://www.econbiz.de/10012863022
This Study examined the effect of Central Bank of Nigeria regulation on the profitability of Selected Deposit Money … Banks (2004-2016). Banking regulation is implemented to ensure a safe and sound financial system in the economy. Secondary … significant (positive) relationship with return on equity. The study concluded that Central Bank of Nigeria regulation has not …
Persistent link: https://www.econbiz.de/10012864201
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
We explore how the introduction of explicit deposit insurance affects deposit flows into and out of banks of varying risk levels. Using evidence from a natural experiment in Russia, we employ a difference-in-difference estimator to isolate the change in the deposit flows of a newly insured group...
Persistent link: https://www.econbiz.de/10014192917