Failing Banks
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Failing Banks
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Author : DIANE Publishing Company
language : en
Publisher: DIANE Publishing
Release Date : 1995-07
Failing Banks written by DIANE Publishing Company and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995-07 with Business & Economics categories.
Addresses why the FDIC Board of Directors decided to resolve First City's financial difficulties in 1988 by providing financial assistance instead of using other available resolution alternatives and what lessons does the First City experience offer relevant to the assistance, closure and resolution processes?
Failing Banks
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1995
Failing Banks written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Bank failures categories.
Bank Failure
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Author :
language : en
Publisher:
Release Date : 1988
Bank Failure written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Bank examination categories.
Resolution Of Failed Banks By Deposit Insurers
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Author : Thorsten Beck
language : en
Publisher: World Bank Publications
Release Date : 2006
Resolution Of Failed Banks By Deposit Insurers written by Thorsten Beck and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Bancos categories.
"There is a wide cross-country variation in the institutional structure of bank failure resolution, including the role of the deposit insurer. The authors use quantitative analysis for 57 countries and discuss specific country cases to illustrate this variation. Using data for over 1,700 banks across 57 countries, they show that banks in countries where the deposit insurer has the responsibility of intervening failed banks and the power to revoke membership in the deposit insurance scheme are more stable and less likely to become insolvent. Involvement of the deposit insurer in bank failure resolution thus dampens the negative effect that deposit insurance has on banks' risk taking. "--World Bank web site.
The Role For Deposit Insurance Funds In Dealing With Failing Banks In The European Union
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Author : Mr. Atilla Arda
language : en
Publisher: International Monetary Fund
Release Date : 2022-01-07
The Role For Deposit Insurance Funds In Dealing With Failing Banks In The European Union written by Mr. Atilla Arda and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-01-07 with Business & Economics categories.
This paper argues that in the European Union (EU) deposit insurance funds are too difficult to use in bank resolution and too easy to use outside resolution. The paper proposes reforms in three areas for the effective management of bank failures of small and medium-sized banks in the European Union: making resolution the norm for dealing with failing banks; establishing a common DIS for the European Union; and increasing funding and backstops for deposit insurance while removing constraints on their use for resolution measures. Without these changes, the European Union will continue to be challenged by banks that are too small for resolution and too large for liquidation.
The Problem With Banks
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Author : Lena Rethel
language : en
Publisher: Zed Books Ltd.
Release Date : 2012-05-10
The Problem With Banks written by Lena Rethel and has been published by Zed Books Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-05-10 with Business & Economics categories.
Banks of all sorts are troubled institutions. The cost of public bail-outs associated with the subprime crisis in the United States alone may be as high as US$5 trillion. What is the problem with banks? Why do they seem to be at the centre of economic and financial turmoil down through the ages? In this provocative and timely book, Rethel and Sinclair seek answers to these questions, arguing that banks suffer from perennial problems, and that developments in the financial markets and government in recent decades have simply exacerbated these issues. The book examines banking activity in America, Asia and Europe, and how specific historical circumstances have transformed banks' behaviour and attitude to risk. While many see government as a constraint on banks, Sinclair and Rethel argue that what governments do in terms of regulation shapes banks and their motivations, as can be seen in the shortcomings of current reform proposals. Instead, more far-reaching, alternative ways of regulating and shaping banks are needed. A concise, essential overview of a pressing global issue.
National Bank Failures And Non Failures
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Author : Horace Secrist
language : en
Publisher:
Release Date : 1938
National Bank Failures And Non Failures written by Horace Secrist and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1938 with Business & Economics categories.
Why Banks Fail
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Author : Amy Sterling Casil
language : en
Publisher: The Rosen Publishing Group, Inc
Release Date : 2010-08-15
Why Banks Fail written by Amy Sterling Casil and has been published by The Rosen Publishing Group, Inc this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-08-15 with Juvenile Nonfiction categories.
With the recent credit crisis there is a renewed interest in how banks operate and sometimes fail. This book offers an understandable explanation of the complex banking system and how to prevent unreasonable risk.
Too Big To Fail
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Author : Gary H. Stern
language : en
Publisher: Rowman & Littlefield
Release Date : 2004-02-29
Too Big To Fail written by Gary H. Stern and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004-02-29 with Business & Economics categories.
The potential failure of a large bank presents vexing questions for policymakers. It poses significant risks to other financial institutions, to the financial system as a whole, and possibly to the economic and social order. Because of such fears, policymakers in many countries—developed and less developed, democratic and autocratic—respond by protecting bank creditors from all or some of the losses they otherwise would face. Failing banks are labeled "too big to fail" (or TBTF). This important new book examines the issues surrounding TBTF, explaining why it is a problem and discussing ways of dealing with it more effectively. Gary Stern and Ron Feldman, officers with the Federal Reserve, warn that not enough has been done to reduce creditors' expectations of TBTF protection. Many of the existing pledges and policies meant to convince creditors that they will bear market losses when large banks fail are not credible, resulting in significant net costs to the economy. The authors recommend that policymakers enact a series of reforms to reduce expectations of bailouts when large banks fail.
Financial Institutions
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Author : U. s. Government Accountability Office
language : en
Publisher: CreateSpace
Release Date : 2013-01-06
Financial Institutions written by U. s. Government Accountability Office and has been published by CreateSpace this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-01-06 with Business & Economics categories.
Ten states concentrated in the western, midwestern, and southeastern United States—all areas where the housing market had experienced strong growth in the prior decade—experienced 10 or more commercial bank or thrift (bank) failures between 2008 and 2011. The failures of the smaller banks (those with less than $1 billion in assets) in these states were largely driven by credit losses on commercial real estate (CRE) loans. The failed banks also had often pursued aggressive growth strategies using nontraditional, riskier funding sources and exhibited weak underwriting and credit administration practices. The rapid growth of CRE portfolios led to high concentrations that increased the banks' exposure to the sustained real estate and economic downturn that began in 2007. The Department of the Treasury and the Financial Stability Forum's Working Group on Loss Provisioning have observed that the current accounting model for estimating credit losses is based on historical loss rates, which were low in the prefinancial crisis years. The Financial Accounting Standards Board has issued a proposal for public comment for a loan loss provisioning model that is more forward-looking and focuses on expected losses, which would result in banks establishing earlier recognition of loan losses for the loans they underwrite and could incentivize prudent risk management practices. Moreover, it should help address the cycle of losses and failures that emerged in the recent crisis as banks were forced to increase loan loss allowances and raise capital when they were least able to do so. The Federal Deposit Insurance Corporation (FDIC) used shared loss agreements to help resolve failed banks at the least cost during the recent financial crisis. Under a shared loss agreement, FDIC absorbs a portion of the loss on specified assets of a failed bank that are purchased by an acquiring bank. The acquisitions of failed banks by healthy banks appears to have mitigated the potentially negative effects of bank failures on communities, although the focus of local lending and philanthropy may have shifted. First, while bank failures and failed bank acquisitions can have an impact on market concentration—an indicator of the extent to which banks in the market can exercise market power, such as raising prices or reducing availability of some products and services—GAO found only a limited number of metropolitan areas and rural counties were likely to have become significantly more concentrated. The lack of increases in concentration was because in many instances, the failed banks were acquired by out-of-market institutions. Second, GAO's econometric analysis of call report data from 2006 through 2011 found that failing small banks extended progressively less net credit as they approached failure, and that acquiring banks generally increased net credit after the acquisition. However, acquiring bank and existing peer bank officials GAO interviewed noted that in the wake of the bank failures, underwriting standards had tightened and thus credit was generally more available for small business owners who had good credit histories and strong financials than those that did not. Third, officials from regulators, banking associations, and banks GAO spoke with said that involvement in local philanthropy declined as small banks approached failure but generally increased after acquisition. Yet, these acquiring banks may not focus on the same philanthropic activities as did the failed banks. Finally, GAO econometrically analyzed the relationships among bank failures, income, unemployment, and real estate prices for all states and the District of Columbia (states) for the 1994 through 2011 period and found that bank failures in a state were more likely to affect its real estate sector than its labor market or broader economy.