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COMMERCIAL BANKS' RESPONSE TO COSTLY DEPOSITS IN A DEREGULATED ENVIRONMENT AgEcon
Betubiza, Eustacius N.; Leatham, David J..
The study examines balance sheet changes at Texas commercial banks following the 1980 bank deregulation. A comparison of selected deposit and asset variables for 1978 (pre-deregulation) and 1987 (post- deregulation) reveals a rapid increase in costly deposits and a decline in the proportion of loans in general, and agricultural loans in particular, relative to total bank assets. Although a weak Texas economy during this time period contributed to the observed asset reallocation, banks were also responding to the increased deposit costs and interest rate volatility following deregulation. This conclusion is consistent with previous findings cited in the study.
Tipo: Working or Discussion Paper Palavras-chave: Commercial banks; Agricultural loans; Bank deregulation; Financial Economics.
Ano: 1996 URL: http://purl.umn.edu/23985
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FACTORS AFFECTING COMMERCIAL BANK LENDING TO AGRICULTURE AgEcon
Betubiza, Eustacius N.; Leatham, David J..
A tobit econometric procedure was used to examine the effect of selected demand and supply factors on nonreal estate agricultural lending by commercial banks in Texas. Results show that banks have reduced their agricultural loan portfolios in response to increased use of interest sensitive deposits after deregulation. Moreover, almost half of this decrease came from banks that stopped making agricultural loans. Also, results show that banks affiliated with multi-bank holding companies lend less money to agriculture relative to their assets than do independent banks.
Tipo: Journal Article Palavras-chave: Agricultural lending; Commercial banks; Deregulation; Tobit; Agricultural Finance.
Ano: 1995 URL: http://purl.umn.edu/15326
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DEVELOPMENT OF CONSUMER LENDING IN KAZAKHSTAN UNDER INFLUENCE OF WORLD FINANCIAL CRISIS AgEcon
Konakbaev, Askar.
The paper observes the growth path of bank lending and in particular consumer loans in Kazakhstan. Consumer lending in Kazakhstan is steadily increasing and this niche remains attractive for commercial banks. However, the world financial crisis has complicated for banks the possibility of attraction of foreign credits to finance various investment and business projects in country. Financial crisis resulted decrease in growth rate of aggregate and consumer loans of commercial banks.
Tipo: Journal Article Palavras-chave: Commercial banks; Economy crediting; Consumer loans; Influence of financial crisis; Consumer/Household Economics; Financial Economics; International Development; G01; G21.
Ano: 2009 URL: http://purl.umn.edu/94540
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