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Assessment of banks' resilience and financial stress in countercyclical martial law conditions 评估银行在反周期戒严条件下的应变能力和财务压力
IF 1.6
Journal of Banking Regulation Pub Date : 2024-09-09 DOI: 10.1057/s41261-024-00256-9
Volodymyr Korneev, Oleksandr Dziubliuk, Andrii Tymkiv, Volodymyr Antkiv, Nataliia Kucherenko
{"title":"Assessment of banks' resilience and financial stress in countercyclical martial law conditions","authors":"Volodymyr Korneev, Oleksandr Dziubliuk, Andrii Tymkiv, Volodymyr Antkiv, Nataliia Kucherenko","doi":"10.1057/s41261-024-00256-9","DOIUrl":"https://doi.org/10.1057/s41261-024-00256-9","url":null,"abstract":"<p>The purpose of the article is to assess the fluctuations of financial stress and to study the resilience of the banking sector of Ukraine in the countercyclical events of the war. The study used methods such as analysis, correlation, and regression analysis. It examined the banking system's functioning and evaluated its operational stability during the martial law period. The primary focus was on the Financial Stress Index, measures of financial stability, adherence to economic standards, and profitability. The study also delved into understanding the influence of different factors on bank revenues. The findings revealed several key insights. Firstly, the level of financial stress exhibited fluctuations influenced by military events, attack activity and the National Bank of Ukraine's regular policies. Secondly, the study indicated that adherence to economic standards and the dynamics of financial stability indicators did not experience significant fluctuations, demonstrating the stable performance of the sector.</p>","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-09-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142207744","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The impact of PSD2 regulation on the financial performance of non-bank payment service providers: the case of Spain PSD2 法规对非银行支付服务提供商财务业绩的影响：西班牙案例
IF 1.3
Journal of Banking Regulation Pub Date : 2024-08-10 DOI: 10.1057/s41261-024-00255-w
David Peón, Yanfei Sun
{"title":"The impact of PSD2 regulation on the financial performance of non-bank payment service providers: the case of Spain","authors":"David Peón, Yanfei Sun","doi":"10.1057/s41261-024-00255-w","DOIUrl":"https://doi.org/10.1057/s41261-024-00255-w","url":null,"abstract":"","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.3,"publicationDate":"2024-08-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141919414","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The impact of PSD2 regulation on the financial performance of non-bank payment service providers: the case of Spain PSD2 法规对非银行支付服务提供商财务业绩的影响：西班牙案例
IF 1.3
Journal of Banking Regulation Pub Date : 2024-08-10 DOI: 10.1057/s41261-024-00255-w
David Peón, Yanfei Sun
{"title":"The impact of PSD2 regulation on the financial performance of non-bank payment service providers: the case of Spain","authors":"David Peón, Yanfei Sun","doi":"10.1057/s41261-024-00255-w","DOIUrl":"https://doi.org/10.1057/s41261-024-00255-w","url":null,"abstract":"","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.3,"publicationDate":"2024-08-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141919899","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Cross-border banking and bank stability: evidence from Sub-Saharan Africa 跨境银行业务与银行稳定性：撒哈拉以南非洲的证据
IF 1.3
Journal of Banking Regulation Pub Date : 2024-07-03 DOI: 10.1057/s41261-024-00254-x
Sopani Gondwe, T. Gwatidzo, N. Mahonye
{"title":"Cross-border banking and bank stability: evidence from Sub-Saharan Africa","authors":"Sopani Gondwe, T. Gwatidzo, N. Mahonye","doi":"10.1057/s41261-024-00254-x","DOIUrl":"https://doi.org/10.1057/s41261-024-00254-x","url":null,"abstract":"","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.3,"publicationDate":"2024-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141682451","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The impact of house prices on banking stability in Vietnam: the moderating role of investor sentiment 房价对越南银行业稳定性的影响：投资者情绪的调节作用
IF 1.6
Journal of Banking Regulation Pub Date : 2024-06-25 DOI: 10.1057/s41261-024-00252-z
Nguyen Thi Nhung, Nguyen Thi Thanh Huyen, Vo Hoai Anh, Nguyen Phuong Thao, Trinh Thao Van
{"title":"The impact of house prices on banking stability in Vietnam: the moderating role of investor sentiment","authors":"Nguyen Thi Nhung, Nguyen Thi Thanh Huyen, Vo Hoai Anh, Nguyen Phuong Thao, Trinh Thao Van","doi":"10.1057/s41261-024-00252-z","DOIUrl":"https://doi.org/10.1057/s41261-024-00252-z","url":null,"abstract":"<p>This article aims to examine the moderating role of investor sentiment in the impact of house prices on banking stability over the period from 2017 to 2022 in Vietnam. The research tries to build a banking stability index by combining the principal components of an international rating system of financial institutions stability (CAMELS) through principal component analysis, while the average apartment price index in Hanoi and Ho Chi Minh City is used as a variable of house prices in Vietnam, and investor sentiment is measured using the Google search volume index. By using panel corrected standard errors, the research gives evidence of the positive impact of house prices on banking stability in Vietnam, and the moderating role of investor sentiment on this positive effect. Moreover, the research indicates the positive roles of bank efficiency, regulatory quality, and GDP growth for boosting banking stability, while the opposite impact can be seen in the case of bank concentration. In addition, there is no evidence of any influence of bank size on banking stability in Vietnam.</p>","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-06-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141508603","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Differences and interactions between banks’ financial statements and prudential regulation 银行财务报表与审慎监管之间的差异和相互作用
IF 1.6
Journal of Banking Regulation Pub Date : 2024-06-07 DOI: 10.1057/s41261-024-00253-y
Katalin Mérő, Ágnes Tardos
{"title":"Differences and interactions between banks’ financial statements and prudential regulation","authors":"Katalin Mérő, Ágnes Tardos","doi":"10.1057/s41261-024-00253-y","DOIUrl":"https://doi.org/10.1057/s41261-024-00253-y","url":null,"abstract":"","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141373054","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Indebtedness and labor risk sorting across consumer lender types in Chile 智利各类消费贷款机构的债务和劳动风险分类
IF 1.6
Journal of Banking Regulation Pub Date : 2024-06-03 DOI: 10.1057/s41261-024-00250-1
Carlos Madeira
{"title":"Indebtedness and labor risk sorting across consumer lender types in Chile","authors":"Carlos Madeira","doi":"10.1057/s41261-024-00250-1","DOIUrl":"https://doi.org/10.1057/s41261-024-00250-1","url":null,"abstract":"<p>Chile’s consumer loan market has strong concerns about high indebtedness levels and credit constraints. Using survey data, I show that banks have the borrowers of highest income and education and the lowest unemployment rates, while households with no access to debt have the lowest income and education and the highest unemployment risk. I then simulate the effects of counterfactual policies, such as increased borrower repayment capacity tests and better financial literacy. Repayment capacity testing reduces the number of borrowers, aggregate debt amounts, and debt risk across all lender types. Financial literacy program has even stronger effects, reducing the number of borrowers, aggregate debt amounts, and delinquency risk by more than half across all lender types. The financial literacy program achieves its effect by increasing the number of households with “No wish for debt,” while the repayment capacity test has the downside of increasing the number of households with “No access to debt.”</p>","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-06-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141259920","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Enforcement of sanctions within the SSM by European and national authorities: unravelling jurisdiction and accountability under Union law 欧洲和国家当局在 SSM 范围内执行制裁：解开欧盟法律下的管辖权和问责制的谜团
IF 1.6
Journal of Banking Regulation Pub Date : 2024-05-28 DOI: 10.1057/s41261-024-00249-8
Helene Hayden
{"title":"Enforcement of sanctions within the SSM by European and national authorities: unravelling jurisdiction and accountability under Union law","authors":"Helene Hayden","doi":"10.1057/s41261-024-00249-8","DOIUrl":"https://doi.org/10.1057/s41261-024-00249-8","url":null,"abstract":"<p>Under the Single Supervisory Mechanism (SSM), the enforcement of pecuniary obligations vis-à-vis the ECB, such as fees and sanctions, is unclear at two levels: first, the division of sanctioning powers between European authorities (ECB) and the ‘National Competent Authorities’ (NCAs) under primary and secondary law is rather unclear due to the underlying jumble of referrals. Second, the Article pivotal to enforcement, namely Art. 299 TFEU, constitutes only a ‘vague hybrid legal regime’ between European and national law, leaving credit institutions as well as the ECB exposed to considerable legal uncertainties and, as a result, additional costs. This paper examines both levels—which have received almost no attention in the literature so far—and offers concrete solutions to close the existing protection gaps.</p>","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-05-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141171904","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Bank charter values and operational risk 银行章程价值和操作风险
IF 1.6
Journal of Banking Regulation Pub Date : 2024-05-22 DOI: 10.1057/s41261-024-00245-y
Sebastian Bautista, Alireza Ebrahim, Natalya Schenck
{"title":"Bank charter values and operational risk","authors":"Sebastian Bautista, Alireza Ebrahim, Natalya Schenck","doi":"10.1057/s41261-024-00245-y","DOIUrl":"https://doi.org/10.1057/s41261-024-00245-y","url":null,"abstract":"","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-05-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141112738","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Banking Union’s resolution or liquidation approach 银行联盟的决议或清算方法
IF 1.6
Journal of Banking Regulation Pub Date : 2024-05-17 DOI: 10.1057/s41261-024-00244-z
Ricardo Cabral
{"title":"The Banking Union’s resolution or liquidation approach","authors":"Ricardo Cabral","doi":"10.1057/s41261-024-00244-z","DOIUrl":"https://doi.org/10.1057/s41261-024-00244-z","url":null,"abstract":"","PeriodicalId":15105,"journal":{"name":"Journal of Banking Regulation","volume":null,"pages":null},"PeriodicalIF":1.6,"publicationDate":"2024-05-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140963679","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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