M any Asian economies are now experiencing economic hardship , their troubles stemming in part from crises in their banking sectors. Given the important role the banking sector plays in these economies, resolution of their banking crises is a vital first step toward resuming economic growth. Unfortunately, the steps taken so far to resolve their banking problems appear inadequate. Many observer...

Using recent data from the New Zealand banking industry, this paper examines most important factors that determine bank risk. We use a sample of 24 banks in period 2012 to 2021, using quarterly data. The risk-based deposit premium is preferable be implemented as it calculates risk attached each flat rate simpler yet imposes moral hazard. Thus, we weighting method based on statistical learning m...

We study whether foreign and domestic banks in Central and Eastern Europe have reacted differently to business cycle conditions and host country banking crises. Our unique panel dataset comprises data of more than 300 banks for the period 1993-2000, with detailed information on bank ownership. Our analysis shows that during crisis periods domestic banks contracted their credit and deposit bases...

In this paper, we present a digital check forgery attack on check processing systems used in online banking that results in check fraud. Such an attack is facilitated by multiple factors: the use of digital images to perform check transactions, advances in image processing technologies, the use of untrusted client-side devices and software, and the modalities of deposit. We note that digital ch...

Earlier this year, European authorities agreed on the second pillar of the banking union, a single resolution mechanism, to come into effect in 2016. After the ECB taking over responsibility for bank supervision (directly for the largest, indirectly for all banks) in the Eurozone, centralizing resolution as complement for centralized supervision has been an important next step. The result is a ...

Financial development is the important driving force of economic and social development. Based on the overall situation of the financial development of the six provinces in central China, we measured the level of financial development in Hubei province, through choosing two financial efficiency indicators – loan-to-deposit ratio and the banking concentration, and three financial scale indicator...

Can allowing foreign participation in the banking sector increase real output, despite the imperfectly competitive nature of the industry? Using a new model of heterogeneous, imperfectly competitive lenders and a simple search process, we show how endogenous markups (the net interest margin commonly used to proxy lending-to-deposit rate spreads) can increase with FDI while the rates banks charg...

Using the industrial organization approach to the microeconomics of banking we model a large (Monti-Klein) bank which is risk neutral and faces credit uncertainty in its loan business. The impact of capital adequacy regulation and the effect of changes in risk on deposit and loan rates are analyzed. We then show that capital adequacy regulation induces the bank to behave as if it were risk aver...