In the first essay, Calomiris argues that the most desirable means by which to achieve banking system stability is to permit unlimited branch banking combined with the type of privately administered formal deposit insurance programs of antebellum Indiana, Ohio, and Iowa. In the second essay,...

This empirical study seeks to identify, for the period 1933-1998, determinants of the rate of return on bank assets (ROA). The study finds that the ROA has been an increasing function of the interest rate yield on bank loans to the private sector, the growth rate of real GDP, and the percentage...

Basel III is a framework to preserve the stability of the international banking system. Nigeria adopts Basel capital framework for capital regulation in the banking sector. This article is a policy discussion on how to make Basel III work in Nigeria. The significance of Basel III is discussed,...

This study aims to examine the impact of the Covid-19 pandemic on the development of the Indonesian financial sector, both in terms of depth, access, and efficiency. The analytical tool used is the same as Mansur and Nizar's study (2019) with data updating in the period 2019 to August 2020. The...

This study examines the integration of Environmental, Social, and Governance (ESG) factors into global banking practices and their impact on financial stability, measured by the Bank to Capital Asset Ratio. Through a comprehensive literature review and data analysis, the paper highlights the...

This paper explores the critical role of the banking sector in facilitating the ecological transition through the integration of ESG (Environmental, Social, and Governance) factors. By analyzing the intersection of ESG considerations and access to credit globally, the study highlights how banks...

Il presente studio esamina l'impatto dei fattori ESG-Environment, Social and Governance sui modelli creditizi delle banche italiane e sulla domanda di mutui delle famiglie nelle diverse macro-regioni del paese dal 2009 al 2022. La transizione verso pratiche di finanza sostenibile è analizzata...

The article reviews the linkage of banking credit with technological innovation at global level underlining that access to finance is important for and innovation. The domestic credit percentage involving the private sector to GDP allows projects of high risk but with a very high reward,...

Climate change is emerging as an important issue, and has been a cause for increasing uncertainty in the business sector. It is important to understand the effects of climate change events on financial institutions and the financial system. This study analyzes the effect of climate change on...

The text explores generally whether recommendations relating to deposit insurance are international guidleines or mandatory rules, explores the role of deposit insurance as one of several elements in the financial safety net, and offers an outlook to a future with more research and cross-border...