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13 Resources for

depositor

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IndyMac Depositors Pull Cash as Mortgage Woes Grow: By Jonathan Stempel and Jennifer Martinez NEW YORK/PASADENA, California (Reuters) - Mortgage lender IndyMac Bancorp Inc IMB said on Tuesday depositors had been withdrawing cash at an "elevated" pace since a key U.S. senator questioned its ability to survive the housing crisis. IndyMac...; Tags: Shareholder, FDIC, Charles Schumer, Regulator, Deposit, Mortgage Company, Borrower, Depositor, IndyMac Bancorp Inc, Bank of America Corp., FBR, IndyMac Bancorp Inc., Mortgage, US; News items 2008-07-08
Rurban Financial: Customer Profiling Earns New Deposits and Customer Goodwill: Rurban Financial Corporation is a network of community banks. The lead community bank in the corporation, State Bank and Trust Company, wanted to increase new money invested in Certificates of Deposit CDs but faced stiff competition to achieving this goal. Other banks in the region matched any CD rates offered...; Tags: Rurban Financial Corp., Claritas, deposit, depositor, certificate of deposit, bank, CD, strategy, financial, network; Case studies
Options Paper: This options paper is part of a comprehensive review of the U.S. deposit insurance system by the Federal Deposit Insurance Corporation FDIC. This review assures the ability of the system to meet its responsibilities over the next decade. Industry consolidation, expanded activities, globalization and the use of technology have advanced...; Tags: Financial Planning, depositor, FDIC, banking, insurance, globalization, industry; White papers
Banking Crises, Deposit Insurance, and Market Discipline: Lessons From the Asian Crises: This paper investigates the effectiveness of market discipline by depositors during the period of 1992-2002 in the four crisis-hit Asian countries: Indonesia, Korea, Malaysia and Thailand. In Indonesia, the crises first weakened and then strengthened market, which is consistent with the wake-up-call effect found for the Latin American crisis-hit countries....; Tags: depositor, Indonesia, Thailand, Korea, banking, bank; White papers 2005-10-27
Depositors' Selection of Banks and the Deposit Insurance System in Japan: Empirical Evidence and Its Policy Implications: This paper studies market discipline on banks by depositors in Japan. The importance of depositors' selection of banks is stressed, which together with regulatory and supervisory schemes can strengthen corporate governance in banking. The effectiveness of depositor discipline is, however, weakened by the existence of deposit insurance system. In order...; Tags: Financial services, depositor, bank, Japan, corporate governance, banking, insurance; White papers 2003-11-01

Dynamic Depositor Discipline in U.S. Banks: This paper investigates the presence of depositor discipline in the U.S. banking sector. It tests whether depositors penalize discipline banks for poor performance by withdrawing their uninsured deposits. While focusing on the movements in uninsured deposits, it also accounts for the possibility that banks may be forced to pay a...; Tags: Financial services, Financial Planning, IMF, depositor, deposit, interest rate, bank, banking, performance; White papers 2003-11-01
Money in a Theory of Banking: This paper explores the connection between money, banks, and aggregate credit. It starts with a simple "real" model without money, where banks make loans repayable in goods and depositors hold claims on the bank payable on demand in goods. Aggregate production may be delayed in the economy. The paper further...; Tags: Financial services, National Bureau of Economic Research, depositor, bank, banking, theory; White papers 2003-10-01
Bankruptcy for Banks: An Alternative to Deposit Insurance: Bank runs can be handled by modifying an approach used in many cases of bankruptcy of non-bank firms, such that depositors retain access to enough of their funds that the payments mechanism is not compromised. If a quick, conservative valuation of the bank's assets suggests it is insolvent, the regulator...; Tags: Financial services, Litigation, Investment, Johns Hopkins University, depositor, bankruptcy, bank, valuation, equity, payment, insurance, asset, stock; White papers 2003-04-01
Deposit Insurance Reform: The article says that federal deposit insurance was created in a period of economic crisis to stabilize the economy by protecting depositors. By any measure, it has been remarkably effective in achieving its goals over the years. It is no less important today. Deposit insurance reform is not about increasing...; Tags: Article, Industry, Depositor, Insurance, Financial Planning, Business Operations, Corporate Insurance, Finance; White papers 2003-02-26
Endogenous Deposit Dollarization: This paper explores sources of deposit dollarization unrelated to standard moral hazard arguments. This paper develops a model in which banks choose the optimal currency composition of their liabilities. It argues that the equal treatment of peso and dollar claims in the event of bank default can induce banks to...; Tags: Financial services, Federal Reserve Bank, depositor, deposit, bank, banking, incentive, insurance, benefit; White papers 2003-02-01
Post-resolution Treatment of Depositors at Failed Banks : Implications For The Severity of Banking Crises, Systemic Risk and Too Big to Fail: This article identifies and analyses five potential sources of loss to depositors in bank failures, two that are recognized at the time an insolvent bank is resolved and placed in receivership and three that occur afterwards. The three sources of post-resolution losses arise from delayed payment of depositor claims, which...; Tags: Financial services, Federal Reserve Bank, depositor, liquidity, bank, payment, insurance, banking, survey, strategy; White papers 2003-01-01
Post-Resolution Treatment Of Depositors At Failed Banks : Implication For The Severity of Banking Crises, Systemic Risk, and Too-Big-To-Fail: This paper identifies and analyses the four potential sources of losses in bank failures two at the time an insolvent bank is resolved and placed in receivership and two afterwards. The two sources of post-resolution losses arise from delayed payment of depositor claims. The effective freezing of some or all...; Tags: Financial services, Federal Reserve Bank, depositor, deposit, bank, payment, banking, insurance, monitoring, analysis, strategy; White papers 2000-11-27
Capital Movements, Asset Values, and Banking Policy in Globalized Markets: Weaknesses in banking systems are rooted in government credit-allocation preferences that prove unsupportable in private markets. Losses that preferential loans impose on lending banks and on the governmental safety net can be covered up for awhile, but not indefinitely. A silent run begins when sophisticated depositors recognize that assets in...; Tags: banking, bank, asset; White papers 1998-07-13

Additional Resources

FDIC Celebrates 75 Years as Pillar of American Banking System: Reminds Americans That No Depositor Has Ever Lost a Penny of Insured Funds WASHINGTON, June 16 /PRNewswire/ -- Seventy-five years after President Franklin Delano Roosevelt signed legislation creating the Federal Deposit Insurance Corporation, the FDIC continues to safeguard the money of consumers throughout America in FDIC-insured accounts....; Articles 2008-06-16
The good, the bad and the gimmicky: LEADING ARTICLE POLITICS T he new proposals announced by the Prime Minister yesterday in the Government's draft Queen's Speech were the usual New Labour- style mix of the good, the bad and the gimmicky. One of the good ideas was reform of banking...; Articles 2008-05-15
B&B signals Pounds 300m rights issue, despite denials just a month: Bradford & Bingley defended its 300m rights issue yesterday, saying the cash call was necessary to shore up the confidence of customers and investors. The announcement was seen as a U-turn after the bank quashed rumours of an imminent cash call only a month ago. B&B also...; Articles 2008-05-15
Charlotte Metro Credit Union Rolls Out Business Banking: Names Nicol Morris Chief Operating Officer CHARLOTTE, N.C., May 8 /PRNewswire/ -- Small businesses and entrepreneurs now have a local helping hand to meet all their banking needs. Charlotte Metro Credit Union is expanding its services to include business banking, including basic and premier business...; Articles 2008-05-08
Stone Mantel: Banks Using Wrong Tactics to Capture New Deposits: COLORADO SPRINGS, Colo. -- Whereas most financial institutions use rates, fees and cash awards to lure new depositors, small-business owners really need help with day-to-day cash flow management strategies that optimize their potential, according to a research report released by Stone Mantel. This unfilled need means that current acquisition strategies...; Articles 2008-05-05
Call that a crisis?: Sir: Ian Hay Davison ('How to rescue a bank', 19 April) is right that the Northern Rock episode was far from unprecedented. But there is much more to say. The difficulties of a number of relatively minor institutions in the early 1990s, including National Mortgage Bank to which he refers,...; Articles 2008-05-03
Northern Rock example, The: Following last month's introduction, Marcus Johnson gives answers to some of the burning questions around the Northern Rock affair: Whose fault was it? Will it happen again? What should the Government do? He commends the nationalisation of Northern Rock and suggests returning bank supervision to the Bank of England. ...; Articles 2008-05-01