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Bank Liquidity

March 12, 2019

The Next Financial Crisis and the Great Buffer Fallacy

By Greg Baer, Bank Policy Institute

The primary focus of post-crisis financial regulation has been to make large bank holding companies – that is, banks and their non-bank affiliates – more resilient and resolvable. The former… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

March 12, 2019

Banks and the Next Recession

By Douglas J. Elliott, Oliver Wyman

WHEN THE NEXT RECESSION COMES, how will banks and the wider economy be affected? This is a timely question, given fears in the financial markets that one of the longest… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

March 12, 2019

Expectations and Economics of Financial Crises

By Nicola Gennaioli and Andrei Shleifer, Harvard University

The collapse of the investment bank Lehman Brothers on Sunday, September 14, 2008, caught almost everyone by surprise. It surprised investors, who dumped stocks and brought the market index down… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

March 12, 2019

The CECL Approach

By Stephen G. Ryan, Stern School of Business, New York University

EFFECTIVE IN 2020 for Securities and Exchange Commission registrant banks (and 2022 for private banks), U.S. generally accepted accounting principles (GAAP) will require banks to accrue for credit losses on… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

March 12, 2019

Balancing Banking Regulation to Deal with Risky Lending and Runs

By Anil Kashyap, University of Chicago’s Booth School of Business; Dimitrios P. Tsomocos, Saïd Business School; and Alexandros P. Vardoulakis, Federal Reserve Board

THERE IS A SURPRISING DISCONNECT between the theory that we teach about financial intermediation and the ongoing debates about how financial institutions ought to be regulated. In this essay, we… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

March 12, 2019

FRB and FDIC Cast a Critical Eye on Resolution Plans

By Neil Bloomfield and Kate Wellman, Moore & Van Allen

ON DECEMBER 20, 2018, the Federal Reserve Board (FRB) and the Federal Deposit Insurance Corporation (FDIC; together with the FRB, the Agencies) released their determinations regarding the 2018 resolution plans… Continue Reading

Bank Activities and Structure, Bank Capital and Stress Testing, Bank Liquidity

November 25, 2018

Bank Conditions Index Q2 2018

BPI Research

The Bank Conditions Index (BCI), which provides a summary measure of the condition of the U.S. banking system, rose in the second quarter of 2018, as shown in Exhibit 1…. Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

October 5, 2018

Ring-Fencing: Escape from the Prisoner’s Dilemma

By Wilson Ervin, Credit Suisse

#1: The big Implications of sPOE and MPOE Resolution Structures The development of resolution frameworks has revolutionized (or should revolutionize) many aspects of bank regulation. If the core purpose of… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity, Supervision and Enforcement

October 4, 2018

The Post-Crisis Regulatory Tariff Regime

By Greg Baer, Bank Policy Institute

The regulatory and examination regime applied to foreign banks operating in the U.S. seems difficult to justify based on any historical experience or reasoned analysis.

Bank Governance, Bank Liquidity, Supervision and Enforcement

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