Did regulatory reforms that lowered barriers to competition among U.S. banks increase or decrease the degree to which banks manage the information that they disclose to the public and regulators? We find that relaxing regulatory impediments to competition reduced discretionary loan loss provisioning and the frequency with which banks restate financial statements. The results suggest that compet...

now days, competitive power, according to the company’s survival. competitiveintelligence as a strategic management tool and one of the fastest growing areas of thebusiness world is one. the purpose of the present studies, competitive intelligence andinvestigate its impact on managers are thinking strategically. first of intelligenceterminology the competitive aspects of the market, competitors...

non-performing assets (npas) have been a major cause of concern for indian commercial banks in the recent past years. many studies have been reported on the different aspects of npas in indian banking system. however, there is a crucial lack of investigation on the comparative assessment of various types of banks such as public sector banks, private sector banks and foreign banks so that the tr...

Studies of the differences in operating performance of minorityand nonminorityowned commercial banks date back to the 1970s and early 1980s. The focal point of much of this research was to investigate the long-term viability of minority-owned institutions. Some studies investigated declining lending trends among minority institutions (Boorman and Kwast 1974 and Meinster and Elyasiani 1988), whi...

Over the past decade, U.S. bank regulators have introduced a number of measures to link the regulation of commercial banks to the level of risk that banks take. Risk-based capital requirements and risk-based deposit insurance premia are two prominent examples. Most recently, regulators have augmented bank exam (CAMELS) ratings to include explicit examiner assessments of banks' ability to manage...

We use portfolios of passive investment strategies to replicate the interest risk of banks’ banking books. The following empirical statements are derived: (i) Changes in banks’ present value and in their net interest income are highly correlated, irrespective of the banks’ portfolio composition. (ii) However, banks’ portfolio composition has a huge impact on the ratio of changes in net interest...

An impressive variety of multirate lter banks evolved during the past twenty years. We present an algebraic approach that subsumes many concepts developed so far (e. g. multi lters, nonseparable multidimensional lter banks, cyclic lter banks, lter banks with values in nite elds, etc.). In our approach the signals and lters are viewed as elements of a group ring. We give necessary and su cient c...