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U.S. Savings Banks' Demutualization and Depositor Welfare

Girotti, Mattia - 2017

Originally, U.S. savings banks were owned by their depositors. In recent decades, many savings banks have “demutualized …-owned savings banks. We find that depositors' welfare would increase on average. In particular, if demutualized savings banks …

Persistent link: https://www.econbiz.de/10012970722

Savings, efficiency and the nature of bank runs

Leonello, Agnese; Mendicino, Caterina; Panetti, Ettore; … - 2022

Does the level of deposits matter for bank fragility and efficiency? In a banking model with endogenous bank runs and a consumption-saving decision, we show that the level of deposits has opposite effects on bank fragility depending on the nature of bank runs. In an economy with panic-driven...

Persistent link: https://www.econbiz.de/10012800556

Evidence on US Savings and Loan Profitability in Times of Crisis

Doyran, Mine Aysen - 2014

mortgage lending related sectors. This paper examines the determinants of US Savings and Loan (S&L) profitability in the time …

Persistent link: https://www.econbiz.de/10013067231

Tracing banks' credit allocation to their funding costs

Duquerroy, Anne; Matray, Adrien; Saidi, Farzad - 2022

We quantify how banks' funding costs affect their lending behavior directly, and indirectly by feeding back to their net worth. For identification, we exploit banks' heterogeneous liability structure and the existence of regulated deposits in France whose rates are set by the government. Using...

Persistent link: https://www.econbiz.de/10013163182

Factors Affecting Savings Deposit Decision of Individual Customers : Empirical Evidence from Vietnamese Commercial Banks

Vuong, Bui Nhat - 2020

affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected … SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings … have high income tend to have a stronger decision on savings deposits in commercial banks. The main findings of this …

Persistent link: https://www.econbiz.de/10012828385

Banking on the Firm Objective

Cororaton, Anna - 2020

In the U.S., credit union lending grew by 15 percentage points more relative to commercial bank lending after the Great Recession. Comparing institutions that faced similar borrowers within narrowly-defined local credit markets and similar crisis exposures shows the effect is supply-driven....

Persistent link: https://www.econbiz.de/10012851596

The impact of network size on bank branch performance

Hirtle, Beverly J. (contributor) - 2005

Despite recent innovations that might have reduced banks' reliance on brick-and-mortar branches for distributing retail financial services, the number of U.S. bank branches has continued to increase steadily over time. Further, an increasing percentage of these branches are held by banks with...

Persistent link: https://www.econbiz.de/10002917589

Bank competition for wholesale funding : evidence from corporate deposits

Aldasoro, Iñaki; Balke, Florian; Barth, Andreas; Eren, … - 2019

When banks are faced with a funding shortage in money market wholesale funding, they partly substitute by tapping other wholesale funding sources. Using auction-level data on large corporate deposits, we trace these substitution effects and their implications, which go beyond the balance sheets...

Persistent link: https://www.econbiz.de/10012289308

Random Utility Models of Demand for the U.S. Commercial Banking Industry

Orosco, Cesar - 2008

In this paper, we specify a Random Utility Model of Demand for Deposits inthe U.S. Banking Industry, assessing its particular characteristics, such as a large number of participants, a large number of markets and an unbalanced panel (many banks participate in only one market and no bank...

Persistent link: https://www.econbiz.de/10014215546

Banks' internal capital markets and deposit rates

Ben-David, Itzhak; Palvia, Ajay; Spatt, Chester S. - 2016

A common view is that deposit rates are determined primarily by supply: depositors require higher deposit rates from risky banks, thereby creating market discipline. An alternative perspective is that market discipline is limited (e.g., due to deposit insurance and/or enhanced capital...

Persistent link: https://www.econbiz.de/10011772352

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