Depositor responses to a banking crisis: Are finance professionals special?

Boyle, Glenn; Stover, Roger D.; Tiwana, Amrit; Zhylyevskyy, Oleksandr

doi:10.1016/j.jempfin.2022.03.004

Cited by 3 publications

(3 citation statements)

References 37 publications

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“…Depositors' trust in the banking system is crucial for banks to perform and operate effectively (Alamsyah et al, 2020) and to prevent bank runs (Kiss et al, 2022). Depositors' behavior could be affected by several things, for example, bank risk (Mart ınez and Schmukler, 2001;Distinguin et al, 2013;Hasan et al, 2013), bank transparency (Chen et al, 2022), bank political connection (Claessens and Perotti, 2007;Claessens et al, 2008;Nys et al, 2014), deposit insurance scheme reforms (Hadad et al, 2011;Iyer and Puri, 2012;Karas et al, 2013), individual depositor background (Boyle et al, 2022) and fear brought about by information and bad news (Arnold, 2019;Fecht et al, 2019). In today's digital era, information is disseminated rapidly and widely.…”

Section: Introductionmentioning

confidence: 99%

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Google Trends, bank popularity and depositors' fears in Indonesia

Saputro,

Pamungkas,

Trinugroho

et al. 2024

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PurposeThis paper investigated whether a bank’s popularity and depositors' fear of Google search volume could affect bank deposits and credit.Design/methodology/approachThe authors used two different quarterly data from Google Trends and banking data from 2012 Q1 to 2020 Q1. Based on available data, Google Trends data start from 2012. The authors exclude data after 2020 Q1 because the Covid-19 pandemic arguably increased the volume of Internet users due to shifting behavior to online activities. They merged and cleaned the data by winsorizing at 5 and 95 percentiles to avoid any outlier problems, reaching 74 banks in the sample. They used panel data estimation of quarterly data following Levy-Yeyati et al. (2010) and Trinugroho et al. (2020).FindingsThe results show that a higher search volume of a bank’s name leads to higher deposits. A higher search volume of depositor fear reduces deposits and credit. The authors also found that banks with high risk and a high search volume of their name have a significantly lower volume of deposits.Originality/valueTo the best of the authors’ knowledge, not many papers in banking and finance have used Google Trends data to gauge related issues regarding depositors' behavior. The authors have filled a gap in the literature by investigating whether the popularity of Google search and depositors' fear could impact deposits and credit. This study also attempted to establish whether Google Trends data could be a reliable source of information to predict depositors' behavior by using a Zscore to measure bank risk.

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Section: Introductionmentioning

confidence: 99%

“…, 2011; Iyer and Puri, 2012; Karas et al. , 2013), individual depositor background (Boyle et al. , 2022) and fear brought about by information and bad news (Arnold, 2019; Fecht et al.…”

Section: Introductionmentioning

confidence: 99%

Google Trends, bank popularity and depositors' fears in Indonesia

Saputro,

Pamungkas,

Trinugroho

et al. 2024

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“…With regards to disclosure in banking industry, the financial crisis that hit the world recently made people aware of the strategic role of correct and effective market risk information (Boyle et al, 2022;Jing et al, 2022;Pierri & Timmer, 2022). This is important for the achievement of an efficient and stable financial market (Crimmel & Elyasiani, 2021;Godspower-Akpomiemie & Ojah, 2021).…”

Section: Introductionmentioning

confidence: 99%

Market Risk Disclosure: A Study on Systemic Banks in Indonesia

Setyawan

Suprianto

2022

ijtc

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This study was conducted to determine the extent to which the disclosure of market risk, especially the risk of the market carried out by banks in Indonesia. Observation of the disclosure in this study using method by Scannella and Polizzi (2018) which carried out quantitative and qualitative assessment. This study focuses on four banks in Indonesia that have a systemic impact and have Islamic subsidiaries. The year of observation is for three years from 2018 to 2020. The results showed that that in general using checklist provided by Scannella and Polizzi, (2018) the results show insufficient image of market risk disclosure among Indonesian large banks. For instance, graphical information about Value at Risk (VaR), back testing, and also stress testing. Furthermore, information about expected shortfall need to be more expanded.

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Gender and Risk Aversion: The Tale of a Banking Crisis Affecting Finance Professionals’ Behavior

Santana Adao

2024

Preprint

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Depositor responses to a banking crisis: Are finance professionals special?

Cited by 3 publications

References 37 publications

Google Trends, bank popularity and depositors' fears in Indonesia

Google Trends, bank popularity and depositors' fears in Indonesia

Market Risk Disclosure: A Study on Systemic Banks in Indonesia

Gender and Risk Aversion: The Tale of a Banking Crisis Affecting Finance Professionals’ Behavior

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