This paper reports estimates of the long-run costs and benefits of banks funding more of their assets with loss … of the benefits from having banks use more equity no estimate of costs - however accurate - can tell us what the optimal … level of bank capital is. We use empirical evidence on UK banks to assess costs; we use data from shocks to incomes from a …

fulfill its role in Indonesia? Does deposit insurance affect depositor behavior thereby imposing discipline on banks? These … questions are empirically examined using panel data on Indonesian commercial banks from 1998 to 2009. In Indonesia deposit … interest rate. The empirical results show that depositors pay attention to bank soundness and riskiness and select banks based …

showed both the central bank and the management of operating banks the directions for improving banking regulations and … researched the extent of the growth of the Georgian banks' creditability, the stability of their working results, the conformity … actually passed. The banks operate in accordance with modern market economy patterns in every respect. The cornerstones of the …

competition among banks, which in turn lowered entry barriers facing nonfinancial firms, especially firms that depend heavily on …

State-controlled banks are currently at the core of financial intermediation in Russia. This paper aims to assess the … and indirectly state-controlled banks and construct a set of bank-level statistical data covering the period between 2000 … and 2011. By January 2011 the market share of state-controlled banks reached almost 54 percent of all bank assets, putting …

Traditional theory suggests that high franchise value limits bank risk-taking incentives. Then why did many banks with …

of both acquirers and targets. We find that capitalization, profi tability and liquidity show signs of statistically and … home country prudential supervisors and deposit insurance funding systems were stricter than the target‘s. For target banks … insurance funding regimes tend to result in positive post-merger changes in liquidity and performance …

: from free banking through self-regulation to supervisory regulation. Because the state’s responsibility for the functioning … of the financial system requires the state to enact laws forming the system’s legal framework, laissez-faireism in …

, and local versus nonlocal banks – in banking relationships. The conventional paradigm suggests that "community banks …