Bank Failure Management – The Role of Deposit Insurance

2019 ◽  
Author(s):  
Patrizia Baudino ◽  
Ryan Defina ◽  
José María Fernández Real ◽  
Kumudini Hajra ◽  
Ruth Walters
Keyword(s):  
Deposit Insurance ◽  
Bank Failure

Deposit Insurance Altered the Composition of Bank Suspensions during the 1920s: Evidence from the Archives of the Board of Governors

2006 ◽  
Vol 5 (1) ◽  
Author(s):  
Ching-Yi Chung ◽  
Gary Richardson
Keyword(s):  
Failure Rate ◽  
Federal Reserve ◽  
Deposit Insurance ◽  
Bank Failure ◽  
Costs And Benefits ◽  
Board Of Governors ◽  
Policy Experiments

AbstractEight states established deposit insurance systems between 1908 and 1917. All abandoned the systems between 1921 and 1930. Scholars debate the costs and benefits of these policy experiments. New data drawn from the archives of the Federal Reserve Board of Governors demonstrate that deposit insurance influenced the composition of bank suspensions in these states. In typical years, suspensions due to runs fell. Suspensions due to mismanagement rose. During the penultimate year of each system, the bank failure rate rose to an unsustainable height and the system ceased operations.

PERANAN RASIO KEUANGAN SEBAGAI ALAT PREDIKSI TERHADAP KEGAGALAN BANK (BANK FAILURE)(Pada Bank-Bank Umum Swasta Nasional di Indonesia Tahun 1994-1997)

2007 ◽  
Author(s):  
Erly Mulyani
Keyword(s):  
Bank Failure ◽  
Profit Margin ◽  
Return On Assets ◽  
Return On Equity ◽  
Financial Ratio ◽  
Significant Difference ◽  
Net Profit ◽  
Forward Stepwise ◽  
Reserve Ratio

The purpose of this research is to know the role of financial ratio as a prediction instrument of bank failure by testing the significant difference between the financial ratio average of failed with non failed hank and to test the financial ratio which can he used as prediction instrument of the bank failure for 3 and 2 years before the bank failure happened in the period of liquidations 1997 and 1999. The method used to analyze this research is t-test, Mann-Whitney test and logistic regression base on forward stepwise method. The variable of this research is 16 financial ratio which is Primary Ratio, Risk Assets Ratio, Capital Ratio, Capita! Adequacy Ratio (CAR), Gross of Profit Margin (GPM), Net Profit Margin (NPM), Return On Equity (Roe), Return On Assets (ROA), Return On Loan, Interest Margin, Quick Ratio, Cash Ratio, Statutory Reserve Requirement, Secondary Reserve Ratio, Loan To Deposit Ratio (LDR), Liquidity Risk. The results of this research indicate that (1) there are significant differences between the ratio financial average of failed with non .failed bank. (2) the financial ratio cannot be used as prediction instrument of the bank failure for 3 and 2 years before the bank failure happened in Indonesia.

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