Capital Regulation, Bank Behavior, and Market Structure

VanHoose, David D.

doi:10.1007/978-3-642-02821-2_7

Cited by 3 publications

(2 citation statements)

References 107 publications

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“…As such, individual considerations for each component need to be effected. Proponents argue that portfolio risk is a function of portfolio return, a factor that is invariant to alterations in portfolio composition (VanHoose, 2017). Confronted with many investment options, managers should consider a tradeoff between the risks and returns associated www.ijcab.org with choice investments and make a decision that best serves the interest of shareholders (Saunders, Cornett, & McGraw, 2006).…”

Section: Risk Management Theorymentioning

confidence: 99%

Financial Risk Management and Profitability of Deposit Taking Savings and Credit Cooperative Societies in Nyeri County, Kenya

Kinyua¹,

Warui²

2020

IJCFA

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Profitability is a key aspect of organization financial performance. Kenya SACCOs have been rated fastest growing SACCOs in Africa. However, this growth is largely attributed to growth in membership and penetration. On the other hand the sub sector has recorded irregular trend on the profitability over the last half a decade. Though past literature has tried to link financial risk management to profitability levels, a range of knowledge gaps remain undressed. The current study therefore sought to establish the effect of financial risk management on profitability targeting deposit-taking SACCOs in Nyeri County. To address this objective, the study targeted the following specific objectives; to examine the effect of credit mitigation, liquidity risk controls operational risk mitigation and finally compliance risk mitigation on profitability of deposit taking SACCOs in Nyeri County. Descriptive study design adopted targeting a population of 8 deposit-taking SACCOs. A census study approach was used to subject all the SACCOs to study. The respondents comprised of deposit taking SACCO managers or operational manager. Thus, in total, the study targeted 8 respondents from the management of the SACCOs. Questionnaires were adopted as a tool for data collection. The researcher administered questionnaires to the respondents by dropping to the respondent office and collected at convenient date agreed by both parties. Before undertaking the study, the researcher conducted a reliability test to assess the consistency of the tool using Cronbach’s Alpha. The study used descriptive and inferential statistic in summarizing the data. Under descriptive statistics, the researcher used mean and standard deviation. To test the significance of study variables, the researcher used Pearson correlation and simple linear regressions. The researcher adhered to research ethic during data collection period. The study findings are presented in charts and tables. The study found compliance risk control; liquidity risk control and operational risk control had significant effect on the performance of Saccos in Nyeri while credit risk control was found insignificant in predicting performance of Saccos in Nyeri County. The study recommends Saccos to intensify the compliance risk control, liquidity risk control and the operational risk control practices in enhancement of Sacco’s performance.

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Section: Risk Management Theorymentioning

confidence: 99%

Financial Risk Management and Profitability of Deposit Taking Savings and Credit Cooperative Societies in Nyeri County, Kenya

Kinyua¹,

Warui²

2020

IJCFA

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“… 27 On 1929 financial statements retained earnings appear in the form of “undivided profits” or “the volume of recognized accumulated profits which have not yet been paid out in dividends.” See Rodkey (1944, p. 108) and Van Hoose (2010, p. 12). …”

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confidence: 99%

What Caused Chicago Bank Failures in the Great Depression? A Look at the 1920s

Postel-Vinay

2016

J. Econ. Hist.

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This article reassesses the causes of Chicago state bank failures during the Great Depression by tracking the evolution of their balance sheets in the 1920s. I find that all banks suffered tremendous deposit withdrawals; however banks that failed earlier in the 1930s had invested more in mortgages in the 1920s. The main problem with mortgages was their lack of liquidity, not their quality. Banks heavily engaged in mortgages did not have enough liquid assets to face the withdrawals, and failed. This article thus reasserts the importance of pre-crisis liquidity risk management in preventing bank failures.

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A Case for Boring Banking and Re-Intermediation

Schackmann-Fallis¹,

Gischer²,

Weiß³

2018

AEQ

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Experience from the recent financial crisis quite clearly revealed the limits of deregulation. Instead of trusting in perfect financial markets, re-intermediation or &#8220;boring banking&#8221; seems to be a more promising alternative. In our discussion of the steps towards a European Banking Union that have been implemented so far, we seek to expose its shortcomings. Against this backdrop, we discuss whether boring banking is an economically and socio-politically appropriate goal at all. Outlining the economical functions of banks, we investigate whether a widely disintermediated financial system can work without frictions. Additionally, we evaluate the concepts of bank-based and capital-market-based financial systems from the perspective small and medium-sized enterprises. By way of example, the structure of the German banking industry as well as different business models are analyzed in the light of boring banking. We conclude with economic policy recommendations deemed necessary to promote &#8211; or at least preserve &#8211; traditional loan-making by banks. JEL classifications: G18; G21; L52 Keywords: banking industry, financial intermediation, business models, European Banking Union

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Capital Regulation, Bank Behavior, and Market Structure

Cited by 3 publications

References 107 publications

Financial Risk Management and Profitability of Deposit Taking Savings and Credit Cooperative Societies in Nyeri County, Kenya

Financial Risk Management and Profitability of Deposit Taking Savings and Credit Cooperative Societies in Nyeri County, Kenya

What Caused Chicago Bank Failures in the Great Depression? A Look at the 1920s

A Case for Boring Banking and Re-Intermediation

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