SN SOME of its public statements in recent years, the Federal Deposit Insurance Corporation (FDIC) has stressed the objective of promoting market discipline of the risks assumed by banks through the influence of uninsured depositors.’ The FDIC has attempted to accomplish this by allowing the uninsured depositors of some failed banks to suffer losses. In practice, the cases in which uninsured de...

Using bank level data for 80 countries in the 1988-1995 period, this paper examines the extent of foreign ownership in national banking markets. The net interest margins, overhead, taxes paid, and profitability of foreign and domestic banks are compared. The functioning of foreign relative to domestic banks is very different in developing and developed countries, with foreign banks achieving hi...

This paper uses a unique database to test the effect of ATM surcharges on large versus small banks. Specifically, we examine the impact of ATM surcharges on bank customer incentives to switch accounts, from smaller banks to larger banks, in order to avoid ATM surcharges. We find that ATM surcharges increase the market share of deposits of large banks and decrease the market share of the smaller...

This work attempts to identify determinants of capital structure in a sample of commercial banks listed on the Gulf Cooperation Council (GCC) stock markets. To achieve this objective, data about were collected from 47 GCC commercial banks for the period between 2001 and 2010. We find that profitability and liquidity affect banks’ capital structure decision. The major contribution of this study ...

In March of this year the Bank circulated a questionnaire on derivatives to all 38 banks operating in the Australian market. The questionnaire sought information on the products being traded by banks, the maturity composition of banks’ derivatives portfolios and banks’ counterparties. Information was also sought on banks’ strategies in derivatives markets, and on their risk-management practices...

The aim of this study was to describe the harnessing of corneas captured and processed for transplantation in an ocular tissue bank in north-eastern Brazil.This was a transverse and retrospective study, with a sample group of 612 individuals whose corneas were do- nated and captured between January/2007 and July/2012. This study was approved by the Research Ethics Committee under number 007.0.2...

bstract: The paper analyzes the efficiency and productivity of the Romanian banks from 2006-08. It uses a non-parametric approach, the data envelopment analysis (DEA) to analyze banks’ efficiency. Based on a sample of 15 commercial banks, our findings reveal that although the efficiency of the Romanian commercial banks improved since 2006, the cost efficiency scores are relatively low. Also, ev...

Bank lending is an important investment activity in an economy. It is widely held that banks are well informed about their borrowers, and banks use such information in their lending decisions to preserve the qualities of their loan portfolios. In this study, we propose a model of the interplay between banks and financial analysts who follow their stocks, and characterize equilibrium with a view...