US Regulation of Foreign Banks and the Financial Services
Sector

Hultman, Charles W.

doi:10.1108/eum0000000001470

Cited by 2 publications

(2 citation statements)

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“…As per Guru and Yadav (2019) in developed countries including Brazil, Russia, India, China and South (BRICS) expansion of the banks and financial performance of the banks shows a statistically significant impact on the bank deposits. Structural reforms made by the USA government in monetary policy shows a statistically significant important in the level of deposit levels of the banks (Hultman, 1993). In UK, interest rate has a positive impact on the bank deposit levels when it comes to Islamic banking.…”

Section: Literature Reviewmentioning

confidence: 93%

Short and Long-term Determinants of Commercial Bank Deposit Growth in an Emerging South Asian Economy: Sri Lanka

Ariyasena

2021

S. Asian J. Finance

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Deposit mobilization is one of the key activities that contribute to the efficiency of banks (Yakubu, 2020) Being in the sixty-first place in the emerging economics market list out of sixty-six countries, deposits are important for Sri Lankan bank operations. Many businesses rely seriously on bank loans as a source of financing. From the bank's perspective deposits is the major indicator of how much funds are available for lending-ABSTRACT Purpose: The purpose of this research is to examine the main factors determining the growth of commercial bank deposits in Sri Lanka for the period 1999 -2017.Design/Methodology/Approach: The research uses micro and macro level data collected from purposive random basis. The autoregressive distributed lag approach used to determine the significant micro and macro factors of banks deposit growth.Findings: The results show that bank steadiness, the productivity of the banking sector, the large supply of capital, economic growth and inflation are important long-term determinants of deposit growth. The findings additionally show that for bank deposit mobilization, only branch expansion and large money supply are important in the short term.Originality / Value: This study divergent from the extant from the scope empirical studies that focus on the determinants of individual savings behavior in Sri Lanka. The research investigates distinctly how bank characteristics affect deposit growth in view of the short-and long-run time dimensions, thus offering a relatively groundbreaking effort arena.Research Limitations/Future Research Directions -This is based on only for a period of eighteen years and only few determinants have been used for the study due to data availability. However, this study can be extended by using other determents of bank deposits and considering a longer time horizon.

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Section: Literature Reviewmentioning

confidence: 93%

Short and Long-term Determinants of Commercial Bank Deposit Growth in an Emerging South Asian Economy: Sri Lanka

Ariyasena

2021

S. Asian J. Finance

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“…More importantly, there is evidence that market-based risk measures are more significant over and above regulatory and accounting-based measures. Findings suggest a modified marketing strategy to accommodate changes in profit opportunities and capital adequacy regulations (Hultman, 1993).…”

Section: Introductionmentioning

confidence: 99%

Bank competition, regulatory capital, and risk taking: international evidence

Abou-El-Sood

Shahin

2023

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PurposeMotivated by recent financial liberalization policies in emerging markets, this study investigates whether bank competition and regulatory capital affect bank risk taking in an international banking context.Design/methodology/approachBank competition is regressed, using GLS regression, on various measures of bank risk, to reflect regulatory, accounting and market-based risk-taking. The authors use a sample of publicly traded banks operating in Africa during 2004–2019.FindingsResults show that higher level of bank competition increases bank risk taking and results in greater financial fragility in the absence of banking capital regulations. Furthermore, larger capital adequacy ratios control the risk-taking incentives of managers and guard banks against the risk of default. Further tests confirm the significance of market-based risk measures over accounting and regulatory measures.Practical implicationsFindings are relevant to bank managers and regulators in their sustained effort of finding an optimal balance between bank competition and financial stability. Increased competition should be balanced with capital regulations to curtail bank excessive risky behavior and derive the social benefits of greater competition in the market while sustaining overall economic growth.Originality/valueThis study provides novel evidence in an international context. First, it uses regulatory, accounting and market-based measures of bank risk taking to reflect regulators', management and market participants' emphasis. Another original contribution is the investigation of bank competition across African economies characterized by financial liberalization, stringent banking system and interesting socio-economic challenges.

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US Regulation of Foreign Banks and the Financial Services Sector

Cited by 2 publications

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Short and Long-term Determinants of Commercial Bank Deposit Growth in an Emerging South Asian Economy: Sri Lanka

Short and Long-term Determinants of Commercial Bank Deposit Growth in an Emerging South Asian Economy: Sri Lanka

Bank competition, regulatory capital, and risk taking: international evidence

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