Similar Search Results

Insurance, weather, and financial stability

Kahn, Charles M.; Panjwani, Ahyan; Santos, João A. C. - 2024

In this paper, we introduce a model to study the interaction between insurance and banking. We build on the Federal Crop Insurance Act of 1980, which significantly expanded and restructured the decades-old federal crop insurance program and adverse weather shocks - over-exposure of crops to heat...

Persistent link: https://www.econbiz.de/10014551978

The side effects of macroprudential policies on economic performance in the Arab Region

Obeid, Rami - In: Journal of central banking theory and practice 13 (2024) 2, pp. 89-107

Macroprudential policy mainly aims to enhance financial stability and reduce the possibility of costly financial crises. However, to achieve this, macroprudential policy decisions may have some unintended side effects on economic growth. The paper provides an empirical framework for...

Persistent link: https://www.econbiz.de/10014581555

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

Central bank collateral policy and credit pricing : evidence from Finland

Paavola, Aleksi; Voutilainen, Ville - 2024

. Speciftcally, we investigate whether loans that are pledgeable as collateral for central bank borrowing have lower liquidity premia … Bank of Finland after the COVID-19 pandemic in 2020 and loanlevel corporate credit data from the Finnish implementation of … Anacredit. Our main result is that we do not ftnd evidence that collateral pool expansions by the central bank signiftcantly …

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

Traumatic Financial Experiences and Persistent Changes in Financial Behavior : Evidence from the Freedman's Savings Bank

Arthi, Vellore; Richardson, Gary - National Bureau of Economic Research - 2024

The failure of the Freedman's Savings Bank (FSB), one of the only Black-serving banks in the early post-bellum South … underlying the shift in financial behavior induced by the bank's collapse. Horizontal and intergenerational transmission of …

Persistent link: https://www.econbiz.de/10014576605

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

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

We develop a new dataset to study homeowners insurance. Our data on over 47 million observations of households' property insurance expenditures from 2014-2023 are inferred from mortgage escrow payments. First, we find a sharp 33% increase in average premiums from 2020 to 2023 (13% in real terms)...

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

Destabilizing Digital "Bank Walks"

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

analysis to the case of Silicon Valley Bank (SVB) and find that the reduced value of the deposit franchise can explain why SVB … was insolvent in early March 2023, even before the bank run occurred …

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

Advancements in stress-testing methodologies for financial stability applications

Budnik, Katarzyna; Marques, Aurea Ponte; Georgescu, … - 2024

European Central Bank's Financial Stability Committee Working Group on Stress Testing (WGST). Over a four-year period, the WGST …

Persistent link: https://www.econbiz.de/10014530302

The quality of business environment and internal factors affect the competitiveness of retail banking service in VietinBank

Phuong Thi Nguyen; Nguyen Thi Phuong Loan; Trang Thi … - In: Cogent business & management 11 (2024) 1, pp. 1-14

cash flow process and creating a mainstream medium and long-term capital source for the bank. Vietnamese commercial banks … and foreign banks. This study examines the determinants affecting the competitiveness of retail bank service in VietinBank … effect of accelerating the cash flow process and creating a mainstream medium and long-term capital source for the bank …

Persistent link: https://www.econbiz.de/10014530220