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Financial diversification of banking activities
Экономика и предпринимательство, 2022В статье представлены тенденции трансформации банковской деятельности, основанные на проведении финансовой диверсификации. При соблюдении основных стратегических целей развития банковского сектора, определены основные детерминанты кредитных организаций, приведена характеристика современного состояния банковского сектора по ключевым показателям ...
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Economies of diversification in the banking industry
Journal of Monetary Economics, 1993Abstract This paper defines a new measure, economies of diversification, to examine the cost effect of product line expansion. This measure is a special case of expansion path subadditivity and contains economies of scope as a special case. A nonparametric frontier technique which isolates the effects of inefficiency and scale is used to measure ...
Gary D. Ferrier +3 more
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Diversification and Systemic Bank Panics
SSRN Electronic Journal, 2018Diversification through pooling and tranching securities was supposed to mitigate creditor runs in financial institutions by reducing their credit risk, yet many financial institutions holding diversified portfolios experienced creditor runs in the recent financial crisis of 2007-2009. We present a theoretical model to explain this puzzle. In our model,
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Bank Diversification and Incentives
2008This paper analyzes the consequences of bank diversification into fee-based businesses. Universal banks raise welfare by expanding the range of services available to entrepreneurs. However, because they may choose to rescue failed entrepreneurs in order to sell them fee-based financial services, universal banks provide weaker incentives.
Lóránth, Gyöngyi, Morrison, Alan
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Market Discipline and Bank Diversification
SSRN Electronic Journal, 2020Can banks be induced to adopt an efficient risk-taking via market discipline? We seek an answer to this question within the context of banks diversifying into the other bank’s asset, which may potentially intensify a systemic risk. The central results of the paper are as follows.
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The Diversification Benefits of Universal Banking [PDF]
, 2010 We find that both the aggregate issuance of bonds, and the volume of commercial and industrial loans outstanding in the US, respond to fluctuations in industrial production and interest rates, but in opposite directions. This empirical result suggests that universal banks can reduce the cyclical fluctuations of their income, by jointly providing direct
Fabrizio Casalin, Enzo Dia
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Bank Diversification and Lending Resiliency
SSRN Electronic Journal, 2022Michael Gelman +2 more
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Banking Leverage with Currency Diversification [PDF]
, 2015 The brutal adjustments of global banks' balance sheet regarding economic activity have rekindled discussions about the procyclicality of the banking leverage. During economic bursts, the collateral value of banks decreases and their risk-taking capacity is reduced.
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How diversification affects bank performance: The role of human capital
Economic Modelling, 2021Sunday Adesina
exaly
The Benefits of Geographic Diversification in Banking
2015We estimate the benefits of intrastate and interstate geographic diversification for bank risk and return, and assess whether such benefits could be shaped by differences in bank size and disparities in economic conditions within states or across U.S. states.
Céline Meslier-Crouzille +3 more
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