Risk, growth, and governance of banks:
Saved in:
| Main Author: | |
|---|---|
| Format: | Thesis Book |
| Language: | English |
| Published: |
2010
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| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | VIII, 179 S. graph. Darst. |
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Record in the Search Index
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| adam_text | Titel: Risk, growth, and governance of banks
Autor: Foos, Daniel
Jahr: 2010
Contents
1. General Introduction 1
1.1. Motivation.................................... 1
1.2. Research Questions............................... 2
1.3. Outline and Main Results........................... 4
2. Corporate Governance of Banks: Features and Challenges 9
2.1. Why we Should Take the Governance of Banks Seriously.......... 10
2.1.1. Credit Supply and Payment Services for Households and Firnis ... 11
2.1.2. Risk of Financial Crises ........................ 13
2.1.3. Governance of Other Firnis ...................... 13
2.2. Why Banks are Governed Differently than Non-Finaneial Corporations . . 15
2.2.1. Opaque Financial Information..................... 15
2.2.2. High Leveragc and Maturity Mismatch................ 18
2.2.3. Systemic Risk and the Public Safety Net............... 19
2.2.4. Heavy Regulation............................ 21
2.2.5. Public, Cooperative, and Block Ownership.............. 25
2.2.6. Stakeholder Divcrsity.......................... 28
2.3. Why the Financial Crisis Challenges the Present Governance Framework . 31
2.3.1. Risk Management and Board Composition.............. 31
2.3.2. Compensation of Bank Executives................... 34
2.4. Summary and Conclusion in the Form of Theses............... 36
3. Lending Conditions, Macroeconomic Fluctuations, and the Impact of
Bank Ownership 41
3.1. Introduction................................... 41
3.2. Description of the Data............................. 48
3.3. Empirical Analysis............................... 55
3.3.1. Bank Ownership and the Cyclicality of Lending Bchavior...... 55
3.3.2. Bank Sizc or Capitalization and the Cyclicality of Lending Behavior 68
3.3.3. Consequences of Cyclical Bank Behavior............... 71
3.3.4. Robustness Checks........................... 74
3.4. Conclusions................................... 77
4. Equity and Debt Governance of Banks: The Impact on Risk and
Valuation 79
4.1. Introduction................................... 79
4.2. Conceptual Framework and Data Used.................... 82
4.2.1. Measures of Bank Risk......................... 82
4.2.2. Measures of Bank Valuation...................... 86
4.2.3. Description of the Data......................... 89
4.3. Equity Governance: Concentrated Bank Ownership............. 91
4.3.1. Literature................................ 91
4.3.2. Bank Ownership and Bank Risk.................... 96
4.3.3. Bank Ownership and Bank Valuation................. 103
4.4. Debt Governance: Deposit Taking....................... 107
4.4.1. Literature................................ 107
4.4.2. Deposit Taking and Bank Risk .................... 111
4.4.3. Deposit Taking and Bank Valuation.................. 113
4.5. The Interplay of Equity and Debt Governance................ 115
4.5.1. Bank Ownership, Deposit Taking, and Bank Risk.......... 116
4.5.2. Bank Ownership, Deposit Taking, and Bank Valuation....... 12Ü
4.6. Robustness Checks............................... 122
4.6.1. Equity Governance: Multiple Owners and Managerial Shareholdings 122
4.6.2. Debt Governance: Maturity Structure of Liabilitics......... 123
4.7. Conclusions................................... 124
4.8. Appendix: List of Banks............................ 126
5. Loan Growth and Riskiness of Banks 127
5.1. Introduction................................... 127
5.2. Related Literature ............................... 130
5.3. The Data.................................... 132
5.4. Empirical Analysis............................... 137
5.4.1. Loan Growth and Loan Losses..................... 137
5.4.2. Loan Growth and Intercst Income................... 142
5.4.3. The Impact of Loan Growth on the Ratio of Loan Losses and Intercst
Rate Margin............................... 145
5.4.4. Loan Growth and Bank Solvency................... 147
5.4.5. Differentiation by Region, Bank Specialization, Size, and
Capitalization.............................. 150
5.5. Further Empirical Checks ........................... 152
5.5.1. Loan Growth and Banks Distance-to-Dcfault ............ 152
5.5.2. Internal Versus External Growth of Banks.............. 153
5.5.3. Two-Way Linkages between Loan Growth and Loan Losses..... 156
5.6. Conclusions................................... 158
|
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| indexdate | 2024-07-09T22:52:50Z |
| institution | BVB |
| language | English |
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| physical | VIII, 179 S. graph. Darst. |
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| spelling | Foos, Daniel 1981- Verfasser (DE-588)143137859 aut Risk, growth, and governance of banks Daniel Foos 2010 VIII, 179 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Mannheim, Univ., Diss., 2010 Bank (DE-588)4004436-1 gnd rswk-swf Corporate Governance (DE-588)4419850-4 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Bank (DE-588)4004436-1 s Corporate Governance (DE-588)4419850-4 s DE-604 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=021096436&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Foos, Daniel 1981- Risk, growth, and governance of banks Bank (DE-588)4004436-1 gnd Corporate Governance (DE-588)4419850-4 gnd |
| subject_GND | (DE-588)4004436-1 (DE-588)4419850-4 (DE-588)4113937-9 |
| title | Risk, growth, and governance of banks |
| title_auth | Risk, growth, and governance of banks |
| title_exact_search | Risk, growth, and governance of banks |
| title_full | Risk, growth, and governance of banks Daniel Foos |
| title_fullStr | Risk, growth, and governance of banks Daniel Foos |
| title_full_unstemmed | Risk, growth, and governance of banks Daniel Foos |
| title_short | Risk, growth, and governance of banks |
| title_sort | risk growth and governance of banks |
| topic | Bank (DE-588)4004436-1 gnd Corporate Governance (DE-588)4419850-4 gnd |
| topic_facet | Bank Corporate Governance Hochschulschrift |
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