Resources

84 Resources for

deterioration

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The Procyclicality of Bank Lending Behaviour: Article suggests that bank lending behaviour is highly procyclical and offer a new hypothesis that may explain why this occurs. The institutional memory hypothesis is driven by deterioration in the ability of loan officers over the bank's lending cycle that results in an easing of credit standards. This...; Tags: Financial services, Bank for International Settlements, bank management, deterioration, hypothesis, bank, standards; White papers 2003-01-31
The Institutional Memory Hypothesis and the Procyclicality of Bank Lending Behavior: Stylized facts suggest that bank lending behavior is highly procyclical. The paper offers a new hypothesis that may help explain why this occurs. The institutional memory hypothesis is driven by deterioration in the ability of loan officers over the bank's lending cycle those results in an easing of credit standards....; Tags: Financial services, bank management, deterioration, hypothesis, bank, standards; White papers 2002-12-01
Should Banks Be Diversified? Evidence From Individual Bank Loan Portfolios: This paper reveals about a study that empirically has the effect of focus (specialization) vs. diversification on the return and the risk of banks using data from banks. Specifically, it analyzes the tradeoffs between (loan portfolio) focus and diversification using a unique data set that is able to identify individual...; Tags: Financial services, Bank for International Settlements, deterioration, diversification, bank, monitoring, theory, industry; White papers 2002-09-01
The Institutional Memory Hypothesis and the Procyclicality of Bank Lending Behavior: Stylized facts suggest that bank lending behavior is highly procyclical. The white paper offers a new hypothesis that may help explain why this occurs. The institutional memory hypothesis is driven by deterioration in the ability of loan officers over the bank’s lending cycle that results in an easing of credit...; Tags: Financial services, bank management, hypothesis, deterioration, bank, interest rate, standards, survey, analysis; White papers 2002-12-01
Fostering Improvement Through Innovation: Improvement means whatever the one who wants it to happen wants it to mean. It could mean doing what's being done now to a greater degree of efficiency or speed or detail. In other words, 'Do what you're doing now 'Only better.' It could also mean that something else altogether...; Tags: EzineArticles.com; White papers 2005-12-07

The State of Industry: According to the report, the performance of the US securities industry, like that of US equity markets, appears to be recovering from a cyclical downturn. The steady deterioration in industry revenues and profits, which began after record levels were, set in 1Q'00, halted during 4Q'01 and a partial, slow recovery...; Tags: Financial services, Investment, Securities Industry Association, equity, industry, performance; White papers 2001-12-20
Sustaining Improvement by Building a Quality Mindset: A common problem encountered in Lean, Six Sigma and TQM implementation is performance deterioration after the completion and handover of a breakthrough improvement. This can happen despite installation of control mechanisms to monitor ongoing performance. In the case study presented in this paper, a financial services company with a national...; Tags: Performance management, Financial Planning, iSixSigma, Total Quality Management, financial service, performance, customer service, monitor, financial, sales; White papers
Arcario: 'The Economics Of Business Is Now Intrinsically International.': The economics of business is now intrinsically international. Not many organizations will be successful long-term if only operating within their country's borders. International assignment is more than a career move. It introduces a number of personal and professional issues that must be weighed and balanced. This paper discusses and explains...; Tags: Cendant Corp., outsourcing, career, benefit; White papers 2003-01-01
Market Discipline Under Systemic Risk: Evidence From Bank Runs in Emerging Economies: This paper shows that systemic risk exerts a significant impact on the behavior of depositors, sometimes overshadowing their responses to standard bank fundamentals. First, worsening systemic conditions can directly threaten the value of deposits via dual agency problems. Second, to the extent that banks are exposed to systemic risk, systemic...; Tags: Financial services, World Bank Group, bank, risk, agency; White papers 2004-10-18
Osteoporosis: Osteoporosis is characterized by low bone mass and micro architectural deterioration of bone tissue with a consequent increase in bone fragility and susceptibility to fractures. It is not a component of normal aging but a disease process that is both treatable and preventable. Despite this fact, osteoporosis is a problem...; Tags: Gender and diversity, fracture, women; White papers
Preventing Employees From Failing: The article says that with time, you stop believing in your employee and a cycle starts that revolves around low morale, low performance and deterioration of performance.A chain reaction begins to happen with your employees once your mentality changes toward them. First they might turn in a project that has...; Tags: leader, performance; White papers 2003-01-01
Cold Discharge of CF3I in a Simulated Aircraft Engine Nacelle: One of the potential candidates for Halon 1301 replacement in aircraft engine nacelle and dry bay fire protection applications and fuel tank ullage inerting is trifluoroiodomethane (CF,I). Before CF31 can be considered as a potential drop-in replacement, several operational and technical issues must be addressed or re-examined. CFI has a...; Tags: Aerospace & Defense, NIST, aircraft, cold calling, performance; White papers 2002-05-29
Syndicated Credits Deteriorate, But at a Slower Pace: Large banking organizations are continuing to feel the effects of the recession, as syndicated loan quality remains generally weak. Adversely classified loans have well defined weaknesses, including default in some cases, while special mention loans exhibit potential weaknesses, which may result in further deterioration if left uncorrected. Declining default rates...; Tags: Investment, FDIC, bond, banking; White papers 2002-10-08
An Option-Based Approach to Bank Vulnerabilities in Emerging Markets: This article measures bank vulnerability in emerging markets using the distance-to-default, a risk-neutral indicator based on Merton's (1974) structural model of credit risk. The indicator is estimated using equity prices and balance-sheet data for 38 banks in 14 emerging market countries. Results show it can predict a bank's credit deterioration...; Tags: Financial services, IMF, emerging market, bank, equity, monitoring; White papers 2004-02-01
Has Foreign Bank Entry Led to Sounder Banks in Latin America?: Policymakers continue to debate the merits of opening emerging market financial sectors to foreign ownership. A comparison of the 1995-2000 performance of foreign and domestic banks in select Latin American countries reveals that while foreign banks differed little from their domestic counterparts in overall financial condition, they showed more robust...; Tags: Financial services, Federal Reserve Bank, emerging market, bank, financial system, financial, performance; White papers 2002-01-01
The Impact Of Unethical Behavior On Interorganizational Networks: The white paper presents an investigation that talks about size and quality of the networks of firms engaging in illegal and unethical acts are affected by those acts. Using legitimacy, status and resource dependent theories it hypothesizes that size will be affected and quality will deteriorate. Using a sample of...; Tags: Stanford Knowledgebase, theory, network; White papers 2003-01-01
Quality Indicators for the Management of Osteoporosis in Vulnerable Elders: Osteoporosis is a systemic skeletal disease characterized by low bone mass, micro architectural deterioration of bone tissue, and a consequent increase in bone fragility and susceptibility to fracture. Approximately 10 million people in the United States, 80% of whom are women, have osteoporosis, and another 18 million (83% women) have...; Tags: Gender and diversity, RAND Corp., fracture, women; White papers 2001-10-16
Governance Costs and the Allocation of Inventories Between Suppliers and Customers: In this paper, transaction cost economics theory has been used to explain whether a customer or its supplier stores the inputs to the customer's production process. The paper argues that a company will store its own inputs if its governance and production costs of storage are less than the governance...; Tags: Channel management, supplier, storage, allocation, theory; White papers 2005-03-01
Flexible Framing Anchor Straps: This paper describes the flexible framing anchor strap. This flexible strap and frame anchor is made of a woven synthetic composite called Kevlar that can provide structural reinforcement to a building frame during earthquakes and high winds. Kevlar, which is currently used in bulletproof vests, is woven into a continuous...; Tags: Construction, NAHB Research Center, strap, wall; White papers
Currency Crises in Developed and Emerging Market Economies: A Comparative Empirical Treatment: This paper takes a step in empirically testing the implications of a number of theoretical models that attempt to highlight the dynamics behind currency crises. The empirical findings provide support for the view that, in general, deterioration in economic fundamentals and the pursuit of lax monetary policy can contribute to...; Tags: IMF, emerging market, sustainability, financial; White papers 2005-01-01