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Nonconforming preferences : jumbo mortgage lending and large bank stress tests
Haughwout, Andrew; Morgan, Donald P.; Neubauer, Michael; … - 2022
The 2010s saw a profound shift towards jumbo mortgage lending by large banks that are regulated under the Dodd-Frank Act. Using data from the Home Mortgage Disclosure Act, we show that the "jumbo shift" is correlated with being subject to the Comprehensive Capital Analysis and Review (CCAR)...
Persistent link: https://www.econbiz.de/10013363255
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Transformation of corporate scope in U.S. banks : patterns and performance implications
Cetorelli, Nicola; Jacobides, Michael G.; Stern, Samuel - 2017
Using a novel database containing the time-series details of the organizational structure of individual bank holding companies, this paper presents the first population-wide study of the transformation in business scope of U.S. banks. Expanding scope has a negative impact on performance on...
Persistent link: https://www.econbiz.de/10011657521
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The impact of supervision on bank performance
Hirtle, Beverly J.; Kovner, Anna; Plosser, Matthew - 2016
Does the intensity of supervision affect quantifiable outcomes at supervised firms? We develop a novel proxy to identify plausibly exogenous variation in the intensity of supervision across large U.S. bank holding companies (BHCs), based on the size rank of a BHC within its Federal Reserve...
Persistent link: https://www.econbiz.de/10011442178
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The impact of network size on bank branch performance
Hirtle, Beverly J. (contributor) - 2005
in net deposit costs, relative to banks with larger branch networks. When compared to banks with 100 or fewer branches … deposit costs. The analysis shows no systematic relationship between branch network size and overall institutional …
Persistent link: https://www.econbiz.de/10002917589
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Corporate performance, board structure, and their determinants in the banking industry
Adams, Renée B. (contributor); Mehran, Hamid (contributor) - 2008
The subprime crisis highlights how little we know about the governance of banks. This paper addresses a long-standing gap in the literature by analyzing board governance using a sample of banking firm data that spans forty years. We examine the relationship between board structure (size and...
Persistent link: https://www.econbiz.de/10003781557
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Specialization in banking
Blickle, Kristian; Parlatore, Cecilia; Saunders, Anthony - 2021
Using highly detailed data on the loan portfolios of large U.S. banks, we document that these banks "specialize" by concentrating their lending disproportionately into one industry. This specialization improves a bank’s industry-specific knowledge and allows it to offer generous loan terms to...
Persistent link: https://www.econbiz.de/10012520305
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Banks, markets, and efficiency
Fecht, Falko (contributor); Martin, Antoine (contributor) - 2005
not sufficiently restrain monopoly rents already. Thus, our results suggest that in Germany's bank-dominated financial …
Persistent link: https://www.econbiz.de/10002917590
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The role of technology in mortgage lending
Fuster, Andreas; Plosser, Matthew; Schnabl, Philipp; … - 2018
suggest that technological innovation has improved the efficiency of financial intermediation in the U.S. mortgage market. …
Persistent link: https://www.econbiz.de/10011795430
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The return to retail and the performance of US banks
Hirtle, Beverly J. (contributor);  … - 2005
The U.S. banking industry is experiencing a renewed focus on retail banking, a trend often attributed to the stability and profitability of retail activities. This paper examines the impact of banks' retail intensity on performance from 1997 to 2004 by developing three complementary definitions...
Persistent link: https://www.econbiz.de/10003228315
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Banking across borders with heterogeneous banks
Niepmann, Friederike - 2013
efficiency of the least efficient bank active in a host country increases the greater the impediments to banking across borders … and the efficiency of the banking sector in the host country. There is also evidence of a tradeoff between proximity and … fixed costs in banking. Banks hold more assets and liabilities in foreign affiliates relative to cross-border positions if …
Persistent link: https://www.econbiz.de/10009725588