Risk in emerging markets
... low availability of strong risk models to support credit decisions and steer portfolio growth. Areas where risk can add significant value—such as capital planning, strategic decisions, and managing the regulatory agenda—have been ignored in many cases. Many financial institutions lack a robust ri ...
... low availability of strong risk models to support credit decisions and steer portfolio growth. Areas where risk can add significant value—such as capital planning, strategic decisions, and managing the regulatory agenda—have been ignored in many cases. Many financial institutions lack a robust ri ...
to learn more about its activities.
... of investments, deters long-term investment, and increases the risk premium required by investors and savers. High inflation also affects the economy's credit rating, thereby increasing the cost of credit and reducing the amount granted. ...
... of investments, deters long-term investment, and increases the risk premium required by investors and savers. High inflation also affects the economy's credit rating, thereby increasing the cost of credit and reducing the amount granted. ...
Financial Intermediation
... in the balance sheet of the banking sector, deposits - the largest component on the liabilities side—maintained their growth in 2012-13, primarily with the help of a revival in the growth of current and savings accounts (CASA). Consequently, the share of CASA was maintained at around 33 per cent. Th ...
... in the balance sheet of the banking sector, deposits - the largest component on the liabilities side—maintained their growth in 2012-13, primarily with the help of a revival in the growth of current and savings accounts (CASA). Consequently, the share of CASA was maintained at around 33 per cent. Th ...
Debt Consolidation and Financial Stability, with I. Angeloni, R
... active use of fiscal policy to stimulate aggregate demand. Others have provided evidence suggesting much smaller or even negligible effects of fiscal policy1 . On the other side, concern in international policy circles have grown over the effects the crisis will have over the medium-long term on public ...
... active use of fiscal policy to stimulate aggregate demand. Others have provided evidence suggesting much smaller or even negligible effects of fiscal policy1 . On the other side, concern in international policy circles have grown over the effects the crisis will have over the medium-long term on public ...
Austrian financial intermediaries
... buffers will enter into force as of July 1, 2016. A phasing-in period is recom mended for the four largest banks: From July 1, 2016, to June 30, 2017, they will have to hold an SRB of 2%. These macroprudential measures will improve the financial stability of the Austrian banking system by addressin ...
... buffers will enter into force as of July 1, 2016. A phasing-in period is recom mended for the four largest banks: From July 1, 2016, to June 30, 2017, they will have to hold an SRB of 2%. These macroprudential measures will improve the financial stability of the Austrian banking system by addressin ...
Paper - Federal Reserve Bank of Kansas City
... There are three channels through which quantitative easing affects the economy: It changes the size of the bank’s liabilities; it changes the bank’s mix of assets, and it changes market participants’ expectations of future monetary policy actions. Previous studies have mainly explored the importa ...
... There are three channels through which quantitative easing affects the economy: It changes the size of the bank’s liabilities; it changes the bank’s mix of assets, and it changes market participants’ expectations of future monetary policy actions. Previous studies have mainly explored the importa ...
Non-performing loans and the real economy: Japan’s experience
... where Iit is the real investment of firm i at time t; Kit is its real capital (small k denotes its logarithm); yit is the log of its real output; jit is the log of its user cost of capital; CFit is its cash flow divided by its nominal capital; and uit is an error term. ∆ denotes the first difference ...
... where Iit is the real investment of firm i at time t; Kit is its real capital (small k denotes its logarithm); yit is the log of its real output; jit is the log of its user cost of capital; CFit is its cash flow divided by its nominal capital; and uit is an error term. ∆ denotes the first difference ...
The Real Effects of US Banking Deregulation
... In the 1970s, commercial bank faced restrictions on interest rates, both on the deposit and lending sides of their business. They were restricted for the most part to classic financial intermediation – deposit taking and lending – to the exclusion, for example, of underwriting many corporate securit ...
... In the 1970s, commercial bank faced restrictions on interest rates, both on the deposit and lending sides of their business. They were restricted for the most part to classic financial intermediation – deposit taking and lending – to the exclusion, for example, of underwriting many corporate securit ...
banking sector statistical digest - Cayman Islands Monetary Authority
... The Cayman Islands banking sector has 'weathered' the effects of the financial crisis and down-turn in global economic growth. It has maintained its position as the 6th largest international banking centre in terms of cross-border assets of US$1.42 trillion and 5th in cross-border liabilities of US$ ...
... The Cayman Islands banking sector has 'weathered' the effects of the financial crisis and down-turn in global economic growth. It has maintained its position as the 6th largest international banking centre in terms of cross-border assets of US$1.42 trillion and 5th in cross-border liabilities of US$ ...
macroeconomic factors of non-performing loans in commercial banks
... Hauck (2013) confirm that the macroeconomic policy plays an important role in the financial stability of banks and the economy. The performance of banks in an economic downturn is thus improved only if the real economy is stabilized, to which a credible macro policy can make an important contributio ...
... Hauck (2013) confirm that the macroeconomic policy plays an important role in the financial stability of banks and the economy. The performance of banks in an economic downturn is thus improved only if the real economy is stabilized, to which a credible macro policy can make an important contributio ...
The Effect of Restructuring on the Financing Pattern of Development Banks in Nigerian:
... stock markets, directly influence the financial structure choices of firms. The utmost role of financial intermediaries, such as DFIs is that of monitoring borrowers. Similarly, Diamond (1984) argues, intermediaries have economies of scale in obtaining information. It is within this context that Ak ...
... stock markets, directly influence the financial structure choices of firms. The utmost role of financial intermediaries, such as DFIs is that of monitoring borrowers. Similarly, Diamond (1984) argues, intermediaries have economies of scale in obtaining information. It is within this context that Ak ...
The Main Event: Trade Really Does Create Value
... Your tickets should cover a wide variety of events so that each student finds at least one ticket appealing. Make sure that some of the tickets are very desirable, but also include a few that are undesirable (Barry Manilow is usually the least favorite). Also, include a few events that a few student ...
... Your tickets should cover a wide variety of events so that each student finds at least one ticket appealing. Make sure that some of the tickets are very desirable, but also include a few that are undesirable (Barry Manilow is usually the least favorite). Also, include a few events that a few student ...
International Financial Regulation, Regulatory Risk and the Cost of
... Gorton and Pennacchi (1990) suggest that relative to bank deposits, bank equity is very sensitive to private information thus making it relatively costly and a bad medium of exchange. Using this rationale and following the Gorton and Winton (2000) framework, the impact of a system wide increase in c ...
... Gorton and Pennacchi (1990) suggest that relative to bank deposits, bank equity is very sensitive to private information thus making it relatively costly and a bad medium of exchange. Using this rationale and following the Gorton and Winton (2000) framework, the impact of a system wide increase in c ...
Non-interest Income and Systemic risk: The Role of Concentration
... theorized by Wagner (2010). There are distinct eects of non-interest income on systemic risk in markets with dierent concentration levels. These could be due to: I A dierence in size of non-interest income brought upon by ...
... theorized by Wagner (2010). There are distinct eects of non-interest income on systemic risk in markets with dierent concentration levels. These could be due to: I A dierence in size of non-interest income brought upon by ...
Print Version
... subsequently the updated cashflow forecast foreign exchange risk means the risk of loss to an entity arising from an adverse movement in foreign currency exchange rates hedging means establishing parameters to offset or minimise costs and/or risks associated with foreign currency transactions liquid ...
... subsequently the updated cashflow forecast foreign exchange risk means the risk of loss to an entity arising from an adverse movement in foreign currency exchange rates hedging means establishing parameters to offset or minimise costs and/or risks associated with foreign currency transactions liquid ...
Efficiency of Financial Intermediation: An
... However, it is proxied by different indicators such as interest rate margins and banking spreads, indicating a gap between the representative lending and deposit rates of the banking sector. The most widely used indicators of COFI are: (1) the net interest margin (NIM) – the gap between interest ear ...
... However, it is proxied by different indicators such as interest rate margins and banking spreads, indicating a gap between the representative lending and deposit rates of the banking sector. The most widely used indicators of COFI are: (1) the net interest margin (NIM) – the gap between interest ear ...
Rating Banks in Emerging Markets: What Credit Rating Agencies
... when accounting standards and reporting systems are inappropriate, nonperforming loans are classified inadequately, and reserves against credit losses are underprovisioned. In addition, a deficient legal framework, unable to enforce supervisory actions when a bank's performance is deemed faulty, se ...
... when accounting standards and reporting systems are inappropriate, nonperforming loans are classified inadequately, and reserves against credit losses are underprovisioned. In addition, a deficient legal framework, unable to enforce supervisory actions when a bank's performance is deemed faulty, se ...
74103117I_en.pdf
... market. Public debt bonds were thus the basis for the region’s new investment market from the outset. This public debt market was subsequently enlarged by government issues. Since they represent dollar commitments, the only risk inherent in public external debt bonds is that of default. The price th ...
... market. Public debt bonds were thus the basis for the region’s new investment market from the outset. This public debt market was subsequently enlarged by government issues. Since they represent dollar commitments, the only risk inherent in public external debt bonds is that of default. The price th ...
CII Survey on Health of Indian Banking sector in current regulatory
... 1.3 trillion in 2010. More importantly, the business of banks to GDP ratio almost doubled – from 68 per cent to 135 per cent during the last decade. Even as the banking sector offers a tremendous growth potential in the long run, in the current scenario Indian banks are faced with significant challe ...
... 1.3 trillion in 2010. More importantly, the business of banks to GDP ratio almost doubled – from 68 per cent to 135 per cent during the last decade. Even as the banking sector offers a tremendous growth potential in the long run, in the current scenario Indian banks are faced with significant challe ...
Chapter 7
... 3. Why have credit cards become a popular substitute for money? 4. What are the advantages of automated teller machines (ATMs) for customers? For banks? ...
... 3. Why have credit cards become a popular substitute for money? 4. What are the advantages of automated teller machines (ATMs) for customers? For banks? ...
Basel III An analysis of the new global capital regulatory
... loans, financial intermediation and the economy? - “Zero-bound” of nominal interest rates and fiscal consolidation in many of advanced economies - Capital flows to emerging economies ...
... loans, financial intermediation and the economy? - “Zero-bound” of nominal interest rates and fiscal consolidation in many of advanced economies - Capital flows to emerging economies ...
Ownership structure, risk and performance in the - Hal-SHS
... et al. (2001), focusing on the German banking industry, find little evidence to suggest that POBs are more efficient than GOBs, although the latter have slight cost and profit advantages over POBs. Sapienza (2004) focuses on banks lending relationships in Italy, comparing the interest rate charged t ...
... et al. (2001), focusing on the German banking industry, find little evidence to suggest that POBs are more efficient than GOBs, although the latter have slight cost and profit advantages over POBs. Sapienza (2004) focuses on banks lending relationships in Italy, comparing the interest rate charged t ...
Banking Regulation
... useful research reference source and tool to many clients and advisers in the banking regulation field. Many have confirmed to us that this book indeed provides comprehensive insight into the bank regulatory framework in such jurisdictions, serves as a starting point for understanding licensing and ...
... useful research reference source and tool to many clients and advisers in the banking regulation field. Many have confirmed to us that this book indeed provides comprehensive insight into the bank regulatory framework in such jurisdictions, serves as a starting point for understanding licensing and ...
Systemic Risk and the Financial System
... Sciences (NAS) and the Federal Reserve Bank of New York (FRBNY), on new approaches to evaluating systemic risks and managing systemic events in the global financial system. A key objective of the conference is to bring together a diverse group of leading researchers who have developed analytical too ...
... Sciences (NAS) and the Federal Reserve Bank of New York (FRBNY), on new approaches to evaluating systemic risks and managing systemic events in the global financial system. A key objective of the conference is to bring together a diverse group of leading researchers who have developed analytical too ...
Bank
A bank is a financial intermediary that creates credit by lending money to a borrower, thereby creating a corresponding deposit on the bank's balance sheet. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial system and influence on national economies, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties — notably, the Medicis, the Fuggers, the Welsers, the Berenbergs and the Rothschilds — have played a central role over many centuries. The oldest existing retail bank is Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.