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Author : Karim A. Dhanani
Publisher :
ISBN 13 :
Total Pages : 286 pages
Book Rating : 4.:/5 (132 download)
Download or read book An Empirical Study of Financially Distressed Commercial Banks written by Karim A. Dhanani and published by . This book was released on 1986 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Julian R. Franks
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.:/5 (129 download)
Download or read book Resolving Financial Distress by Way of a Contract written by Julian R. Franks and published by . This book was released on 2001 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides an empirical study of the resolution of financial distress in England. The study is based upon a unique data set of 532 financially distressed UK companies, most of which are small and privately held. The data were assembled from the private records of three major commercial banks. The main focus of our investigation is a description and analysis of the process of rescue and the extent to which it leads to turnaround or insolvency.We find that the typical firm in our sample has a capital structure that is dominated by one senior lender (a bank) and dispersed trade creditors. The bank's loan is highly collateralised, it holds all the liquidation rights and controls the rescue process. Notwithstanding, we find an elaborate rescue process that contradicts claims that such a capital structure would lead to virtual automatic liquidation. Also, we find little evidence of co-ordination failures, especially among dispersed trade creditors. The paper provides strong evidence of how a contract driven bankruptcy procedure, with highly collateralised loans, will perform.
Author :
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4./5 ( download)
Download or read book Cross-Country Empirical Studies of Systemic Bank Distress: A Survey written by and published by World Bank Publications. This book was released on 2005-05-01 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: A rapidly growing empirical literature is studying the causes and consequences of bank fragility in present-day economies. The paper reviews the two basic methodologies adopted in cross-country empirical studies-the signals approach and the multivariate probability model-and their application to studying the determinants of banking crises. The use of these models to provide early warnings for crises is also reviewed, as are studies of the economic effects of banking crises and of the policies to forestall them. The paper concludes by identifying directions for future research.
Author : Mr.Luc Laeven
Publisher : International Monetary Fund
ISBN 13 : 1451873549
Total Pages : 43 pages
Book Rating : 4.4/5 (518 download)
Download or read book Accounting discretion of banks during a financial crisis written by Mr.Luc Laeven and published by International Monetary Fund. This book was released on 2009-09-01 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper shows that banks use accounting discretion to overstate the value of distressed assets. Banks' balance sheets overvalue real estate-related assets compared to the market value of these assets, especially during the U.S. mortgage crisis. Share prices of banks with large exposure to mortgage-backed securities also react favorably to recent changes in accounting rules that relax fair-value accounting, and these banks provision less for bad loans. Furthermore, distressed banks use discretion in the classification of mortgage-backed securities to inflate their books. Our results indicate that banks' balance sheets offer a distorted view of the financial health of the banks.
Author : Jeannette A. Eberle
Publisher :
ISBN 13 :
Total Pages : 500 pages
Book Rating : 4.:/5 (271 download)
Download or read book Off Balance Sheet Risk in U.S. Commercial Banks written by Jeannette A. Eberle and published by . This book was released on 1991 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 296 pages
Book Rating : 4.3/5 ( download)
Download or read book FDIC Banking Review written by and published by . This book was released on 1999 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Asli Demirgüç-Kunt
Publisher :
ISBN 13 :
Total Pages : 27 pages
Book Rating : 4.:/5 (129 download)
Download or read book Inside the Crisis written by Asli Demirgüç-Kunt and published by . This book was released on 2006 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using aggregate and bank level data for several countries, the paper studies what happens to the banking system in the aftermath of a banking crisis. Contemporary crises are not accompanied by declines in aggregate bank deposits, and credit does not fall relative to output, although the growth of both deposits and credit slows down substantially. Output recovery begins in the second year after the crisis and is not led by a resumption in credit growth. Banks, including the stronger ones, reallocate their asset portfolio away from loans.
Author : Edward I. Altman
Publisher : Beard Books
ISBN 13 : 9781893122000
Total Pages : 436 pages
Book Rating : 4.1/5 (22 download)
Download or read book Bankruptcy & Distressed Restructurings written by Edward I. Altman and published by Beard Books. This book was released on 1999 with total page 436 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers from a conference held March 1991 under the joint sponsorship of the New York University Salomon Center and a number of interested corporate contributors
Author : Jose E. Gomez-Gonzalez
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (318 download)
Download or read book Bank Failure written by Jose E. Gomez-Gonzalez and published by . This book was released on 2007 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Bank-specific determinants of bank failure during the financial crisis in Colombia are identified and studied using duration analysis. The process of failure of banks and related financial institutions during that period can be explained by differences in financial health and prudence across institutions. The capitalization ratio is the most significant indicator explaining bank failure. Increases in this ratio lead to a reduction in the hazard rate of failure at any given moment in time. This ratio exhibits a non-linear component. At lower levels of capitalization small differences in capitalization are associated with larger differences in failure rates. Our results thus provide empirical support for existing regulatory practice. Other important variables explaining bank failure dynamics are the bank's size and profitability"--Abstract
Author : Asli Demirgüç-Kunt
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (129 download)
Download or read book Inside the Crisis written by Asli Demirgüç-Kunt and published by . This book was released on 2004 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contemporary banking crises are not accompanied by declines in aggregate bank deposits, and credit does not fall relative to output, but the growth of both deposits and credit does slow down substantially. Output recovery begins the second year after the crisis and is not led by a resumption of credit growth. Instead, banks (including the stronger banks) reallocate their asset portfolio away from loans.Much of the substantial literature on banking crises focuses on early warning indicators. Demirguc-Kunt, Detragiache, and Gupta look at what happens to the economy and the banking sector after a banking crisis breaks out.Much of the theory of banking crises assigns a central role to depositor runs, with vulnerability to runs viewed as a basic characteristic of banks as financial intermediaries. But banking systems can be financially distressed even when depositors do not withdraw their deposits, if other bank creditors rush for the exit or if banks become insolvent.Are contemporary banking crises characterized by large declines in deposits?The authors find that contemporary banking crises are not accompanied by declines in aggregate bank deposits, and credit does not fall relative to output, but the growth of both deposits and credit does slow down substantially. Output recovery begins the second year after the crisis and is not led by a resumption of credit growth. Instead, banks (including the stronger banks) reallocate their asset portfolio away from loans.This suggests that protecting deposits during a banking crisis may not be enough to protect bank credit, as lack of usable collateral and poor borrower creditworthiness discourage banks from lending. However, protecting bank credit may not be a priority right after a crisis, as the real economy can rebound without it, at least while there is substantial underused capacity.This paper - a joint product of Finance, Development Research Group, and the Research Department, International Monetary Fund - is part of a larger effort to study banking crises. The authors may be contacted at [email protected], [email protected], or [email protected].
Author :
Publisher :
ISBN 13 :
Total Pages : 618 pages
Book Rating : 4.F/5 ( download)
Download or read book Dissertation Abstracts International written by and published by . This book was released on 2008 with total page 618 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Horst Eidenmüller
Publisher : Walter de Gruyter
ISBN 13 : 3110970678
Total Pages : 416 pages
Book Rating : 4.1/5 (19 download)
Download or read book The Future of Secured Credit in Europe written by Horst Eidenmüller and published by Walter de Gruyter. This book was released on 2012-07-12 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume contains the reports and discussions presented at the conference "The Future of Secured Credit in Europe" in Munich from July 12th to July 14th, 2007. It aims at taking the debate to a new stage by exploring the need and possible avenues for creating a European law of security interests. The first part examines – from an economic and a community law perspective – the case for European lawmaking on secured credit and the legislative approach to be taken. The intention in the second and third part is to look in more detail at the choices European lawmakers will have to make in devising a European law of secured credit. The second part focuses on secured transactions involving corporeal movables (tangibles), whereas the third part considers categories of collateral that may require special rules.
Author :
Publisher :
ISBN 13 :
Total Pages : 978 pages
Book Rating : 4.3/5 (91 download)
Download or read book Comprehensive Dissertation Index written by and published by . This book was released on 1989 with total page 978 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher : Universal-Publishers
ISBN 13 : 1612335632
Total Pages : 64 pages
Book Rating : 4.6/5 (123 download)
Download or read book International Journal of Development Research and Quantitative Techniques: Vol.1, No.2 written by and published by Universal-Publishers. This book was released on with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (111 download)
Download or read book Impact of Financial Distress on UK Bank Performance and Customer Loyalty written by and published by . This book was released on 2016 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Sudipto Bhattacharya
Publisher :
ISBN 13 : 9780199243068
Total Pages : 934 pages
Book Rating : 4.2/5 (43 download)
Download or read book Credit, Intermediation, and the Macroeconomy written by Sudipto Bhattacharya and published by . This book was released on 2004 with total page 934 pages. Available in PDF, EPUB and Kindle. Book excerpt: Developments in theories of financial markets and institutions, using the tools of the economics of uncertainty and of contracts, as well as results in game theory, have, over the last two decades, constituted an exciting and burgeoning field of research. This collection of readings drawstogether highlights of the 'second generation' literature in this area, emphasizing the theoretical, institutional, and policy-oriented regulatory implications of some of the key modelling techniques in the field.The collection divides into seven sections covering the monitoring role of banks and other intermediaries; liquidity demand and the role of banks and the government; bank runs and financial crises; bank regulation; inter-bank competition and bank--firm relationships; comparative financial systems;and imperfect credit markets and the macroeconomy. Each section comprises four articles previously published in top-ranking economics and finance journals, plus a discussion by a prominent scholar, who provides a synthesis and critique of the literature, and suggests promising directions for futureresearch and application of results.
Author : William H. Beaver
Publisher : Now Publishers Inc
ISBN 13 : 1601984243
Total Pages : 89 pages
Book Rating : 4.6/5 (19 download)
Download or read book Financial Statement Analysis and the Prediction of Financial Distress written by William H. Beaver and published by Now Publishers Inc. This book was released on 2011 with total page 89 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial Statement Analysis and the Prediction of Financial Distress discusses the evolution of three main streams within the financial distress prediction literature: the set of dependent and explanatory variables used, the statistical methods of estimation, and the modeling of financial distress. Section 1 discusses concepts of financial distress. Section 2 discusses theories regarding the use of financial ratios as predictors of financial distress. Section 3 contains a brief review of the literature. Section 4 discusses the use of market price-based models of financial distress. Section 5 develops the statistical methods for empirical estimation of the probability of financial distress. Section 6 discusses the major empirical findings with respect to prediction of financial distress. Section 7 briefly summarizes some of the more relevant literature with respect to bond ratings. Section 8 presents some suggestions for future research and Section 9 presents concluding remarks.
