This paper investigates the relation between national culture and bank deposits. Using annual data (1995–2015) for 99 banks that participated in 2014 stress tests of European Banking Authority, we document relations three cultural traits The effect hierarchy individualism on deposits is stronger (positive negative, respectively) domestic where more homogeneous compared to global banks. On oth...

eographic markets are currently defined by market analysts at each of the twelve Federal Reserve Banks, with oversight by the Federal Reserve Board and even the U.S. Supreme Court. In 1963, in U.S. v. Bank of Philadelphia, the Court ruled that the market for bank deposits is local. That 1963 ruling still unifies market analysis at each of the twelve Reserve Banks. The flavor of analysis differs...

We develop a model of capital and liability structure of banks that optimally respond to changes of regulatory environment. The model produces the following results. In the absence of regulation, banks in our model take high leverage, both in the form of deposits and subordinated debt. We find that subordinated debt is important in banks’ liability structure—holding zero subordinated debt is ne...

Banks may well perform differently in lending to firms according to their funding structure. This paper surveys the relation between Loan volatility and deposit in Iranian banking system. The extent to which bank lending is connected to funding structure is affected by the banks’ characteristics (such as capital structure, profitability, and the measure of non-performing loans). To analyze this...

one of the capital market financial instruments, especially in islamic countries, is sukuk or islamic securities. sukuk is based on islamic law. different types of sukuk are available for different economic situations of countries and different investors. one type of sukuk is mozare'e which is the subject of this research. to do this, we have used financial indices of crops to compare moza...