Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 19 of 19 for “"small banks"”.
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Two Essays on the Unintended Consequences of Sarbanes-Oxley on Small Banks and Small Businesses
… examine the impact of the Sarbanes-Oxley Act on small banks (Essay #1) and small businesses (Essay #2). Sarbanes-Oxley (SOX), passed in 2002 by the Congress of the United States, was intended to enhance the security of the public shareholder through extensive reporting and compliance programs. As …
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Two Essays on Financial Markets
… paper develops a spatial model in which two banks and non-bank ATM owners compete and ATMs are installed either at commercial locations or non-commercial locations. Non-bank owned ATMs have not previously drawn much attention in spite of their large market share in ATM services. We expect …
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Three essays on banking
… where I compare empirical results between small and large banks. The first essay demonstrates the effects of credit expansion on bank performance. By analyzing small and large U.S. banks over the period 1976~2013, I find evidence of over-optimistic lending by high-loan-growth banks: (i) …
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Essays on Banking and the Macroeconomic Effects of Financial Intermediation
… financial crisis? I argue in this paper that small banks amplified the recession through a bank capital channel and that Too-Big-To-Fail (TBTF) policies helped the economy avoid a deeper recession by reducing the effects of this channel in the case of big banks. In my model, when the banking …
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Three Essays in Lending
… The FHLB system is an important source for small banks to finance their customer loans demands. During the 2008 financial crisis, the FHLB system played a critical role in funding its member financial institutions and in improving their liquidity. Due to the significance of the FHLB system …
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Essays in Financial Intermediation
… three essays exploring the relationship between banks, financial technology, deposits, and credit markets using the tools of academic finance. The first essay studies how financial technology reshapes competition among banks. I exploit quasi-random variation in the exposure to the introduction of …
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Essays in Banking and Systemic Risk
… a multi-objective optimization framework for banks’ securities portfolios, considering both individual and systemic risk. The findings show that while diversification can reduce individual risk, including systemic risk in the objective function leads to more concentrated portfolio allocations. …
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Three Essays on Banking Concentration
Banks warrant special attention because of the key role they play in providing liquidity to the market, transforming assets, managing risks, and monitoring borrowers. Over the past few decades, the US banking system consolidated considerably which resulted in a more concentrated system where the …
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The consequences of bank reporting failure for liquidity creation : evidence from accounting restatements
… restatements on bank liquidity creation. Banks play a central role in creating liquidity in the economy by financing relatively illiquid assets, such as business loans, with relatively liquid liabilities, such as demand deposits. Theory predicts that bank restatements can impede liquidity …
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Heterogenous banks and macroprudential regulations
… how financial intermediation varies across banks. Bank size is a first-order determinant of banks' capital structure in the cross-section. Largest banks have the lowest capital-to-asset ratio and the lowest ratio of Tier-1 capital against risk-weighted assets. These large banks earn a larger …
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Empirical Examination of Quantitative Easing in Monetary Policy and Earning Management of Financial Markets and Institutions
… actions at bank stock level with a set of 186 banks. First, for the overall sample period, expected monetary shock has positive effect on bank stock return; however, unexpected shock component has otherwise negative impact. Second, during both conventional and QE regime, monetary shocks are not …
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Essays on financial institutions
In the first chapter, I study how banks lend or borrow liquidity in the interbank market and what I can learn about the macro-economy from the interbank market. From a unique database of interbank loan transactions in Mexico, I observe that interest rates vary across different lender-borrower …
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Essays in international finance
… sheets, I find that the deposits and loans of banks with a larger share of foreign deposits are less sensitive to domestic monetary shocks, particularly for small banks. This result is reinforced when foreign monetary shocks and country risk shocks are controlled for. The results also suggest …
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Three Essays in Banking
… key aspects of the experience of commercial banks during this period. One is the impact of liquidity risk on credit supply, and the second is the effect of portfolio choices on the probability of bank failure. The third essay shifts the focus from commercial banks to M & A transactions, and …
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The Causes and Effects of Commercial Bank Participation in the Federal Home Loan Bank System
… with FHLB participation, particularly by small bank members. Credit quality and bank financial conditions improve after participating in the FHLB program, and cost savings from borrowing System funds may contribute to higher rates paid on deposits in local markets. However, banks with …
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A perspective on the impact of the Deposit Taking Institutions Act on banks in South Africa
… on banking performance, economies of scale at banks, benefits associated with interbank mergers, as well as the results of bank and non-bank mergers. Contemporary studies of the banking industry have also employed a variety of measurement techniques to evaluate a bank's performance. This has …
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Bank CEO Compensation, Bank Risks and the Financial Crisis Effect
… financial crisis on this relation. I find that banks on average reduced their exposure to credit, capital, total, and unsystematic risks, and increased their exposure to liquidity, portfolio, off-balance sheet and (accounting) foreign exchange risks, from 2003 to 2006. These trends largely …
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Essays on banking
… for the existence of economies of scale for the smaller banks and some costs advantages for the larger ones associated with high productivity of their branching networks. Economies of scope between deposits and loans were found for all but the larger banks. Portuguese banks were found to be …
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ESSAYS ON INTERBANK NETWORKS AND SYSTEMIC RISK IN THE EUROPEAN UNION BANKING SECTOR
… and so mainly due to the interconnectedness of banks through short-term and mostly unsecured interbank loans. Links created in the interbank markets are a potential channel for propagating contagion especially when banks default on their interbank financial obligations. In addition, banks' …