This study investigates the moderating effect of firm size in the relationship between corporate governance (board size, board independence and ownership concentration) and banks’ risk-taking (insolvency risk and credit risk). Secondary data (annual reports) was collected from a sample of 21 Malaysian commercial banks covering the 2005–2014 accounting period. An empirical model using pooled ord...

Credit risk is the most important of banks’ financial risks. As far as the largest Swedish banking groups are concerned, 60 per cent of their assets consist in lending to the public. Consequently, measures for mitigating credit risk are of significant importance for banks in their risk management. During the financial crisis, credit risk in the financial system has become of focal importance fo...

authors thank Peggy Gilligan for providing valuable research assistance. L ending to small firms traditionally has been a business served primarily by the banking industry. Banks have specialized in assessing and monitoring borrowers, particularly companies too small to access the bond and equity markets directly. In addition, because banks provide a variety of transactions services such as che...

Die-stacked DRAM has been proposed for use as a large, high-bandwidth, last-level cache with hundreds or thousands of megabytes of capacity. Not all workloads (or phases) can productively utilize this much cache space, however. Unfortunately, the unused (or under-used) cache continues to consume power due to leakage in the peripheral circuitry and periodic DRAM refresh. Dynamically adjusting th...

The Chinese banking sector has gone through a consistent process of the reform which includes liberalization of the business to foreign banks, privatization and listing bank shares, allowing diversifications into intermediary business beyond the traditional deposit and loan activities. In the mean time, the changing structures of the banking sector and the favourable economic condition in the r...

The paper aims to examine the influence of human resource management (HRM) practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks ...

This paper summarizes theoretical ndings on the determinants of liquid assets held by banks. The ndings are summarized in a series of predictions, some of which are tested using a panel data set on Mexican banks. Surprisingly, we nd that banks with relatively more demand deposits have relatively less liquid assets, in contrast with the theoretical prediction. We further exploit a period charact...

Employing a unique data set for the period 2000-2010, this paper examines the impact of formal enforcement actions targeting the core of the banks’ financial safety and soundness in terms of bank capital, risk, and performance. We find that, on average, these actions reduce both the risk-weighted assets and the non-performing loans ratios of punished banks, but there is no increase in the level...

Retail banks usually apply simple linear regression models for describing the dynamics of the deposit rates of non-maturing accounts (NMA) like savings deposits. Thus, typical patterns like asymmetry or rigidity that banks follow when adjusting their deposit rates are ignored. This is insofar surprising, as the asymmetric deposit rate adjustment affects the pricing of embedded options for NMA. ...