For most ofthe last 50 years, to promote a safe banking system, the U.S. Congress has imposed interest rate ceilings on bank deposits. Federal legislation passed in the wake of the 1930s banking crisis prohibited banks from paying any interest on checking accounts and authorized the Federal Reserve Board of Governors to set upper limits on the rates banks could offer on time and savings account...

Casa is one that acts as a virtual bank vault for deposits in current and savings accounts. It beneficial only financial organizations authorized to do business under the Banking Regulation Act of 1939 can supply such banking deposits. These are referred low-cost liabilities. Compared other like recurring fixed deposits, these forms offer an interest rate around 4% depositors banks, which low c...

This article focuses on various ways that the implicit rate on demand deposits can be measured, and the effects of using these implicit rates in analyzing the demand for money. The presence of implicit payments on demand deposits is a likely result of the competitive nature of the banking system. Deposits are a primary source of funds that banks can use to earn a market rate of return. Competit...

This article intends to give an overview of the lexicographic scene in Estonia from the perspective of modern lexicography, i.e. e-lexicography. We have been developing our in-house Dictionary Writing System EELex for some time already. However, the modern lexicography expects more: the multifunctionality of the database, special needs of the specific user, etc. I will briefly characterise some...

Islamic Banking is growing at a rapid speed and has showed unprecedented growth and expansion in last two decades in spite of mismatching of existing financial framework and business practices. By the end of 2008 volume of Islamic banking has reached to US $ 951 Billion with operation in more than 50 countries. Middle East is the centre of Islamic banking with contribution of approximately 80% ...

in economic literature, one of the important roles of deposits is to provide a suitable background for investing. the basic aim of this research is to study the mechanism of some variables such as; inflation rate, gross domestic product (gdp), stock price index, housing price index, the rate of profit sharing securities and their effects on the level of bank deposits in current banking system. ...

Recent attempts to repeal the Glass-Steagall Act, which would allow commercial banking to mix with investment banking, have again initiated debate over current regulation prohibiting the affiliation between banking and commerce. Although participants in that debate have put forward many arguments based on U.S. historical experience, international evidence, and research results, the debate remai...

PRELIMINARY AND INCOMPLETE, PLEASE DO NOT CITE WITHOUT PERMISSION. We develop and estimate an empirical model of the U.S. banking sector using a new data set covering the largest U.S. banks over the period 2002-2013. Our model incorporates insured depositors and run-prone uninsured depositors who have rich preferences over differentiated banks. Banks compete for deposits in the spirit of Matute...