Bank failures

Creating credit is the main income-generating activity for banks. However, granting credit always comes with risks. Credit risk is the risk of losing part or all of a debt due to failure to pay on time or default. Credit risk is considered the most important risk affecting banking performance.

13p viwalton 02-07-2024 1 1   Download

The increasing wave of merger and acquisition in organizations are global experiences and especially in Nigeria since significant banking reforms of 2005, which has created challenges over the years to policy makers, management practitioners, organizational researchers and consultants over the failure of the survival of 75% of most of these corporate marriages at post-merger and acquisition.

12p viohoyo 25-04-2024 5 1   Download

Ebook "Stem cells in animal species: From pre-clinic to biodiversity" focuses on stem cell research and disease modeling in non-murine species. The book is divided into three parts: Stem Cells for Pre-Clinical Models, Stem Cells in Non-Conventional Species, and Stem Cell Banking for the Future. The first section presents an overview of the different pre-clinical stem cell models recently created in animal species, including the porcine model for heart failure, iPSC in large animal species, Duchenne muscular dystrophy and canine embryo-derived stem cells and modeling for human diseases.

192p manmanthanhla0201 26-02-2024 6 1   Download

Ebook "Innovations and institutions: An institutional perspective on the innovative efforts of banks and insurance companies" using institutional theory to explain innovation and merging academic and critical analysis with practical recommendations, this book provides a full and rich account of how new products are brought to market; considering both the successes and failures in equal measure.This book takes the meeting point of two seemingly incongruous schools of theory.

189p tuongnhuoclan 27-11-2023 8 4   Download

Ebook "Rethinking money: How new currencies turn scarcity into prosperity" provides remedies for challenges faced by governments, businesses, nonprofits, local communities, and even banks. It demystifies a complex and critically important topic and will strike a deep chord with readers eager to find innovative, meaningful solutions that will do far more than restore prosperity it will provide the framework for an era of sustainable abundance.

283p loivantrinh 29-10-2023 7 4   Download

This study focuses on analyzing solutions for weak banks in United State (US) and Japan during the banking crises. Especially, the study clarifies the process of resolving difficulties and challenges during implementation period. Moreover, it aims at deriving experiences from US, Japan and suggesting policies for Vietnam authorities to improve effectively handling Vietnamese weak banks from now to the year 2020.

8p tethientran 27-07-2023 10 5   Download

The global financial crisis, especially the US financial crisis, exerts a major impact on Vietnam’s economy and its banking system. Accordingly, the real estate market, stock market and banking system in Vietnam have fluctuated remarkably. This article discusses the causes of the US financial crisis and analyses the US government’s solutions. The causes of the US financial crisis are distributed to lax lending standards, failures in regulations of derivates financial instruments, and lack of state control of banking systems. In this respect, recommendations are made for Vietnam’s case.

15p huyetthienthan 23-11-2021 24 0   Download

This article traces back to pre-2007 conditions to scrutinize operating strategies and decisions of banks that either survived through or failed during the last recession. Using the sustainable growth paradigm, this analysis isolates components of operating strategies under either an aggressive or a conservative growth stance to shed light on the type of business decisions that eventually led to either survival or failure when economic conditions became highly volatile.

17p mmlemmlem_124 22-12-2020 19 0   Download

Viet Nam banking sector had experienced an expansion and strong growth during the period of 1997 to 2007, supportive to a rapid growth of the economy. Many new licenses provided for the establishment of financial institutions, together with a wave of converting rural joint stock banks into urban joint stock banks and the requiredincrease for banks’ owner capital. As impacted from the financial crisis in 2008, the banking sector appeared several weaknesses and deficiencies.One of the deficiencies was the failure of banks’ internal control systems in aspects of their design and operation.

4p chauchaungayxua7 12-08-2020 42 3   Download

The following will be discussed in this chapter: Big assumption, misaligned incentives & pitfalls, good days turn bad, start of failure, sub prime global financial crisis, financial crisis, poor investors, desperate bank, lessons learned and action plans.

35p nanhankhuoctai9 23-07-2020 15 3   Download

Globalization is everywhere, in this regard, every organization should change according to the needs and requirement of the environment. In addition, in today’s economy, it’s critical to have effective, and efficient organization. Failure to effectively engage employees can result in wasted resources, unboptimal organizational performance, and deteriorating employee morale.

8p ngdoanhanh 11-07-2020 15 0   Download

In this paper we review the failures and success of Islamic finance in relation to the Maqasid al- Shari’ah, operationalize it for Islamic banking and finance, suggest some initial steps to achieve these objectives and finally propose mechanisms to monitor the performance of Islamic financial institutions towards achieving the socio-economic objectives of the Shari’ah in Islamic finance.

15p murielnguyen 29-06-2020 8 1   Download

The aim of the study was to establish the role of external auditors in corporate failure in the banking sector. The study discovered that the auditing gaps within banks are tangibility and empathy services. It was also revealed that remuneration, training of external auditors, lot of variety in their job, level of logistics, loyalty rate of external auditors, motivational package and improved salary and opinion counts in the organisation were the factors influencing the effectiveness of external auditors.

16p tociitocii 24-04-2020 26 0   Download

The main causes of bank failures include: poor bank management, too risky to take risks, and a lack of supervision which is conducted on fraud and embezzlement of funds. One way to overcome this is to improve the quality of management accounting information system (KSIAM) and the application of Good Corporate Governance (GCG) principles in banking institutions, one of which is sharia commercial banks.

5p tociitocii 24-04-2020 28 1   Download

The study derives the closed-form solution of the valuation of deposit insurance under forbearance for banks whose capital requirements are either solely based on the 1988 Basel Accord (BA) approach or the VaR-based approach. The study also demonstrates that the deposit insurance liability under BA rises monotonically with portfolio risk, but it is much less risk-sensitive under VaR. It implies that the VaR-based capital regulation is more stable in containing deposit insurance losses and failure probability than the BA capital regulation.

10p covid19 19-04-2020 18 4   Download

The Basel III Capital Adequacy Accord (BCAA) will cap government capital injections as qualifying capital at 90% of the nominal amount of such capital outstanding, beginning in 2013, and the cap will decline by 10% during each subsequent year (Eubanks, 2010); this cap is called a capped ratio schedule of government capital instruments. We add to the literature on government capital injections by providing an option-based illustration of how the capped ratio schedule can influence bank interest margins and failure probability.

15p covid19 19-04-2020 13 2   Download

We fragment the cost of bank failures within the national Deposit Insurance Fund into three components that include the resolution cost of the less-essential banks, the administrative rescue cost of the larger and more influential financial institutions, and the complete legislative bailout cost of the systemically vital banks. We develop a forecasting model that can help regulators to comprehend the expected systemic cost of future bank failures both over reasonably short-terms and through extended periods of time.

15p 035522894 13-04-2020 27 1   Download

This article explores the impact of the choice of the number of banks on the banking monitoring, the cost of credit and the threat of liquidation of the enterprise. According to the literature, the multiple-banking presents a problem of duplication of the monitoring effort of each bank and the sharing of the monitoring revenue. The choice of the number of banks depends on the advantages and disadvantages of the monitoring. The model developed in this paper is a recovery of the Carletti (2004) to which a new hypothesis was added.

21p trinhthamhodang2 21-01-2020 29 2   Download

This paper presents an application of the split-population duration model in identifying operating strategies and structural attributes of commercial banks that increased their financial and temporal endurance (translated into probability and duration of survival, respectively) during the late 2000s recession. This study’s results identify the isolated effects of certain variables on a bank’s temporal endurance that have not been captured by other commonly used survival models.

16p trinhthamhodang2 21-01-2020 24 1   Download

This study attempts to quantify the shocks to a banking network and analyze the transfer of shocks through the network. We consider two sources of shocks: external shocks due to market and macroeconomic factors which impact the entire banking system, and idiosyncratic shocks due to failure of a single bank. The external shocks we considered in this study are due to exchange rate shocks. An ARMA/GARCH model is used to extract i.i.d. residuals for this purpose.

23p trinhthamhodang2 21-01-2020 19 2   Download