Deposit insurance schemes

Barth, James R.; Lee, Cindy; Phumiwasana, Triphon

doi:10.1007/978-0-387-26336-6_27

Cited by 5 publications

(5 citation statements)

References 5 publications

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“…For measuring the Islamic Banks (Islbank), we used a dummy variable, which has a value of 1 when a bank is Islamic and 0 if it provides conventional banking services. Another variable is the ratio of the deposit insurance coverage limit per capita GDP (DIClim) expressed as a percentage and based on the statutory coverage limit (Demirgüç-Kunt et al , 2014; Barth et al , 2006). Concerning control (macroeconomic) variables, we included GDP growth (GDPgrowth).…”

Section: Methodsmentioning

confidence: 99%

How corporate governance and ownership affect banks’ risk-taking in the MENA countries?

Otero

Alaraj

Lado-Sestayo

2019

EJMBE

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Purpose The purpose of this paper is to explore the relationship between corporate governance and risk-taking behaviour of banks operating in the Middle East and North African (MENA) countries. Design/methodology/approach In doing so, the authors use a data set covering 165 banks located in 13 MENA countries over the period 2005–2012 and apply dynamic panel data methodology. Findings The results show that good governance acting in the interests of shareholders could lead to excessive risk taking; in this sense, a conflict of interest between the stakeholders, interested in the solvency of the financial system, and shareholders, trying to maximise their benefit, may occur. The greater risk can be reinforced by the governance of the country and a strong macro governance framework can incentivise a higher risk exposure in banks, showing the influence of bank regulation and law enforcement on the risks taken by banks. Originality/value To the best of the authors’ knowledge, this is the first paper showing that corporate governance is relevant for explaining risk taking at the country and bank levels in MENA countries.

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Section: Methodsmentioning

confidence: 99%

How corporate governance and ownership affect banks’ risk-taking in the MENA countries?

Otero

Alaraj

Lado-Sestayo

2019

EJMBE

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“…Project H generates a larger expected per-project return in case of success; hence, R S H > R S L . In 10 See Barth et al (2006) for an overview of deposit insurance schemes around the world. The main reason for deposit insurance is that it prevents bank runs and thereby stabilizes the banking system (Diamond and Dybvig, 1983).…”

Section: The Model Setupmentioning

confidence: 99%

Voluntary Equity, Project Risk, and Capital Requirements

Haufler

Lülfesmann

2022

SSRN Journal

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“…The main argument for deposit insurance is that it prevents bank runs and thereby stabilizes the banking system (Diamond and Dybvig, 1983). See Barth, Lee and Phumiwasana (2006) for an overview of deposit insurance schemes around the world, and for a discussion of its benefits and costs.…”

Section: Banksmentioning

confidence: 99%