How Do Large Banking Organizations Manage Their Capital Ratios?

By Allen N. Berger, Robert DeYoung, Mark J. Flannery, D. Lee, Özde Öztekin. 2008

498 citations recorded by the source corpus.

View Paper: https://www.semanticscholar.org/paper/a0ad3f1281e1dc15032ae304fd864530cf582cef

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Citations in the corpus

Bank capital buffer and risk adjustment decisions (2011, methodology): “Since all insured banks are required to submit Call Report data to the Federal Reserve each quarter we are able to extract income statement and balance sheet data for a large number of commercial banks.(8) In addition, we obtain balance (7)This data is publicly available at www.”
The effect of bank capital on lending: Does liquidity matter? (2017, background): “Berger et al. (2008) also show that BHCs actively manage their capital ratios toward target capital ratios that are established substantially above the minimum capital requirements.”
The Relationship between Liquidity Risk and Credit Risk in Banks (2014, background): “(2010), and also Rajan and Winton (1995), Boot (2000), and Berger and Udell (2004) (a very in-depth overview of earlier studies is provided by e.”
Why Do (or Did?) Banks Securitize Their Loans? Evidence from Italy (2010, background): “…consensus stresses that capital saving may cause concern only 7 On this evidence and on the reasons why banks prefer holding capital ratios that exceed the regulatory minima, see Gropp and Heider (2007); Flannery and Rangan (2008); Berger et al. (2008); and Allen, Carletti and Marquez (2008).”
Bank Competition and Financial Stability (2008, unknown): “That is, higher ROA generates more equity capital as dividend payouts are relatively fixed (e.g., Berger 1995; Berger et al. 2008 ).”
Taxes and Bank Capital Structure (2016, unknown): “Empirical work on this topic either focuses on the impact of capital requirements on bank risk taking (Laeven and Levine (2009)), on capitalization and performance during crisis periods (Berger and Bouwman (2009), Demirgüç-Kunt et al.”
Determinants of Capital Structure Empirical Evidence from Financial Services Listed Firms in China (2012, unknown): “The levels of bank capital are much higher than the regulatory minimum (Barth et al. 2005; Berger et al. 2008; Brewer et al. 2008).”
Supervisory Effectiveness and Bank Risk (2011, result): “This theoretical explanation seems to be consistent with the point made by Berger et al. (2008) and Berger et al. (2010) who suggest that banks receiving comparably the worst supervisory safety and soundness ratings adjust towards their target capital ratios in a relatively slower fashion, probably…”
Bank Capital and Financial Stability: An Economic Trade-Off or a Faustian Bargain? (2014, background): “…to the bank is decreasing in bank capital, which engenders moral hazard associated with 4Using a study of bankholding companies during 1992–2006, Berger et al. (2008) document that banks set their target capital levels substantially above well-capitalized regulatory minima and operated with…”
The Determinants of Bank Capital Structure (2010, unknown): “Barth et al. (2005), Berger et al. (2008) and Brewer et al. (2008) observe that the levels of bank capital are much higher than the regulatory minimum.”
Macroeconomic Propagation Under Different Regulatory Regimes: Evidence From an Estimated DSGE Model For the Euro Area (2010, unknown): “…banks operate with substantial capital buffers; for some recent studies see, e.g., Ayuso, Pérez, and Saurina (2004), Bikker and Metzemakers (2004), Berger et al. (2008), Stolz and Wedow (2005), and Gropp and Heider (2010). implying that banks tend to economize on the amount of capital they…”