Despite extensive research interest in the last decade, the banking literature has not reached a consensus on the impact of bank mergers on deposit rates. In particular, results on the dynamics of deposit rates surrounding bank mergers vary substantially across studies. In this paper, we aim for a comprehensive empirical analysis of a bank merger’s impact on deposit rate dynamics. We base the a...

The 1990s were a turbulent time for Latin American and Caribbean countries. During this period, the region suffered from no less than sixteen banking crises. One the most important determinants of the severity of banking a crisis is commercial bank liquidity. Banking systems that are relatively liquid are better able to deal with the large deposit withdrawals, which tend to accompany bank runs....

This paper discusses the effects of bank consolidation on competition and stability in the banking sector. Most empirical literature seems to point towards the standard adverse effects on prices of increased concentration in banking. A major issue is the still regional character of loan and deposit markets for households and small enterprises, which contrasts with the generally increasing globa...

We analyze a banking system in which the class of feasible deposit contracts, or mechanisms, is broad. The mechanisms must satisfy a sequential service constraint, but partial or full suspension of convertibility is allowed. Consumers must be willing to deposit, ex ante. We show, by examples, that under the socalled “optimal contract,” the post-deposit game can have a run equilibrium. Given a p...

Very Preliminary; Please do not quote 2 Abstract: More on the Link between Deposit Insurance and Depositor Behavior: Experimental Results This paper employs an experimental model to provide additional insight into the effect explicit deposit insurance has on depositor behavior in the time of a bank crisis. The strength of the conjoint approach used in this study is that it combines the control ...

Green banking is the operation of the banking activities giving especial attention upon the social, ecological and environmental factors aiming at the conservation of nature and natural resources. Banks can be green through bringing changes in six main spheres of banking activities. Those are Change in Investment Management, Change in Deposit Management, Change in House Keeping, Change in the P...

calculating total cast of bank resources procurement methods which include current -free loan deposit, saving interest-free loan deposit, regular and net short-term investment deposit, long-term investment deposit and surety bond cash deposit and presenting their optimal integration require precise scientific studies. hence, this study is an attempt to know which methods are the best optimal in...

This paper presents an empirical study of the strategic contributions of automated teller machines (ATMs) to improving a bank branch‘s local deposit market share at the expense of its competitors. By extending previous models of deposit market share in branch banking to incorporate ATM technology variables, we develop a tool to provide answers and insights on key questions involving the evaluat...

It is important to conduct a comprehensive situational analysis when considering the introduction of a deposit insurance system or when planning to alter an existing deposit protection arrangement. In conducting such an analysis, the economic and institutional conditions and their effect on the alternatives available for a deposit insurance system must be considered. Among the conditions that s...