This paper places the institution of bank deposit protection in the context of government paternalism. I apply the theories of deposit insurance, merit goods, patronized goods, government paternalism, and institutional change to the analysis of the Russian case. I rely on statistical data from...

In this paper, we use U.S. commercial banks' data to investigate whether the effect of unexpected deposit flows on loan production depends on banks' exposure to off-balance sheet funding liquidity risk. We find that lending is sensitive to deposit shocks at small banks but not at large ones....

We describe a method to allocate U.S. credit union deposits to the credit union branch level. Credit union deposit data is only available at the aggregate firm level. Our method takes advantage of FFIEC Home Mortgage Disclosure Act (HMDA) to identify loans at the credit union branch level. We...

Public announcement of formal enforcement actions against banks for safety and soundness reasons may enhance effective depositor monitoring or cause depositors to overreact, leading to disruptive runs. We test these competing hypotheses, using hand-collected data on enforcement actions and...

Asset recovery rate is a key factor for credit investors. This study explores the determinants of bank asset recovery rates during the recent downturn in the real estate sector and subsequent financial crisis. We find that banks relying on brokered deposit realize lower asset recovery rates....

Using a sample of annual deposit data in the Netherlands for the 2004–2014 period, we study the fraction of deposits transferred per year by 718 individuals. Controlling for demographic factors, we find that deposit rate differences across banks significantly explain the extent to which...

Using a new structural model of credit risk based on the normal instead of the lognormal firm value dynamics and market price implied asset value volatility as the model volatility input, we quantify the value of credit spreads of the four largest U.S. banks had their senior unsecured bonds...

Growth of non-cash monies has been sustained in the main by that of individual ruble-denominated bank deposits. The deposits and monies kept on their bank accounts by organizations have been growing at a slower pace, thus corresponding to the movement of their turnover in nominal terms. At the...

The study considers the effect of taxation on the dividend policy of banks in Nigeria. The study was set out to determine the relationship between dividend and taxes and to find out whether taxes affect the dividends of the quoted deposit money banks in the Nigerian Stock Exchange from 2006 to...

The paper proposes an alternative benchmark to the EURIBOR to analyze the post-crisis puzzling behavior of deposit rates in the Eurozone. Using bank-level CDS data for 6 major euro-countries, we build a simple country-level index for banks' cost of unsecured funding. The use of this index...