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Impact of Retail CBDC on Digital Payments, and Bank Deposits : Evidence from India

Di Maggio, Marco; Ghosh, Pulak; Ghosh, Soumya Kanti; … - National Bureau of Economic Research - 2024

Interest in central bank digital currencies (CBDCs) has been burgeoning with 134 countries now exploring its implementation. In December 2022, India started its CBDC pilot program to continue its transition towards a digitized payments economy. This paper presents the first empirical analysis...

Persistent link: https://www.econbiz.de/10014544735

Central bank collateral policy and credit pricing : evidence from Finland

Paavola, Aleksi; Voutilainen, Ville - 2024

We study the effect of collateral eligibility of corporate loans on the pricing of these loans by banks in Finland. Speciftcally, we investigate whether loans that are pledgeable as collateral for central bank borrowing have lower liquidity premia and thus lower interest rates. For...

Persistent link: https://www.econbiz.de/10014580801

Exploring the association of green banking disclosure and corporate sustainable growth : the moderating role of firm size and firm age

Firmansyah, Amrie - In: Cogent business & management 11 (2024) 1, pp. 1-18

This study examines the impact of green banking disclosure on firms' sustainable growth. The methodology used is panel data analysis with a sample of 45 banks in Indonesia, a total of 578 observations from 2004 to 2021, listed on the Indonesia Stock Exchange. Data are taken from annual reports,...

Persistent link: https://www.econbiz.de/10014530842

Government litigation risk and the decline in low-income mortgage lending

Frame, W. Scott; Gerardi, Kristopher; Mayer, Erik J.; … - 2024

We study the effect of Department of Justice lawsuits in the 2010s against large lenders for alleged fraud in the Federal Housing Administration (FHA) mortgage insurance program. The suits led to more than $5 billion in settlements and caused targeted banks and their peers to precipitously exit...

Persistent link: https://www.econbiz.de/10014582832

How effective are green innovations as a remedy for mineral resource scarcity in the European region?

Le Thanh Ha - In: Journal of open innovation : technology, market, and … 10 (2024) 2, pp. 1-13

The relationship between environmental externalities and green innovation is being increasingly explored in the literature but there is no paper exploring the nexus between green innovation (GI) and sustainable development. This article sheds light on the connection between GI and mineral rents...

Persistent link: https://www.econbiz.de/10014583224

Borrowers under water! : rare disasters, regional banks, and recovery lending

Koetter, Michael; Noth, Felix; Rehbein, Oliver - 2016 - This draft: January 29, 2019

connected to banks in unaffected counties. We find no indication that recovery lending entails excessive risk-taking or rent … exhibit more credit risk and less equity capital. …

Persistent link: https://www.econbiz.de/10011961070

Property Insurance and Disaster Risk : New Evidence from Mortgage Escrow Data

Keys, Benjamin J.; Mulder, Philip - National Bureau of Economic Research - 2024

associated with a stronger relationship between premiums and local disaster risk: A one standard-deviation increase in disaster … risk is associated with $500 higher premiums in 2023, up from $300 in 2018. Second, using the rapid rise in reinsurance … prices as a natural experiment, we show that the increase in the risk-to-premium gradient was largely caused by the pass …

Persistent link: https://www.econbiz.de/10014576608

Destabilizing Digital "Bank Walks"

Koont, Naz; Santos, Tano; Zingales, Luigi - National Bureau of Economic Research - 2024

We study the impact of digital banking on the value of the deposit franchise and the stability of the banking sector. Using the classification of digital banking in Koont (2023), we find that when the Fed funds rate increases, deposits flow out faster, and the cost of deposits increases more in...

Persistent link: https://www.econbiz.de/10014576630

The impact of Islamic banks' profitability index on the performance of the Amman Stock Exchange during 2011-2021

Sharrab, Maher Mohammad Saleh; Zaid Othman Mohammed Dannoun - In: Financial studies 28 (2024) 1, pp. 50-68

In the evolving global economic landscape marked by technological advancements, liberalized markets, and the ascent of multinational corporations, Islamic banks have emerged as pivotal entities within the new economic paradigm, addressing the financial needs of societies eschewing Riba...

Persistent link: https://www.econbiz.de/10014529510

SME relationship banking and loan contracting : survey-based evidence from China

Lu, Shun; Glushenkova, Marina; Huang, Wei; Matthews, Kent - 2024

This study explores the impact of relationship banking on the financial constraints and loan conditions of small and medium-sized enterprises (SMEs) in China. Our research contributes to the literature in several ways. First, we examine both the financial costs and loan benefits associated with...

Persistent link: https://www.econbiz.de/10014491201