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Keywords:banking 

Report
The impact of network size on bank branch performance

Despite recent innovations that might have reduced banks' reliance on brick-and-mortar branches for distributing retail financial services, the number of U.S. bank branches has continued to increase steadily over time. Further, an increasing percentage of these branches are held by banks with large branch networks. This paper assesses the implications of these developments by examining a series of simple branch performance measures and asking how these measures vary, on average, across institutions with different branch network sizes. The key findings are that banks with 100 to 500 branches ...
Staff Reports , Paper 211

Working Paper
Origins of Too-Big-to-Fail Policy

This paper traces the origin of the too-big-to-fail problem in banking to the bailout of the $1.2 billion Bank of the Commonwealth in 1972. It describes this bailout and those of subsequent banks through that of Continental Illinois in 1984. Motivations behind the bailouts are described with a particular emphasis on those provided by Irvine Sprague in his book Bailout. During this period, market concentration due to interstate banking restrictions is a factor in most of the bailouts, and systemic risk concerns were raised to justify the bailouts of surprisingly small banks. Sprague?s ...
Working Papers (Old Series) , Paper 1710

Journal Article
Public disclosure and risk-adjusted performance at bank holding companies

This article examines the relationship between the amount of information disclosed by bank holding companies (BHCs) and the BHCs? subsequent risk-adjusted performance. Using data from the annual reports of BHCs with large trading operations, the author constructs an index that quantifies the BHCs? public disclosure of forward-looking estimates of market risk exposure in their trading and market-making activities. She then examines the relationship between this index and subsequent risk-adjusted returns in the BHCs? trading activities and for the firm overall. The key finding is that more ...
Economic Policy Review , Issue Aug , Pages 151-173

Bank Supervision Adapts to Pandemic Challenges

Communication between bank management and bank supervisors will remain vital to understanding the challenges banks are facing.
On the Economy

Speech
A Microprudential Perspective on the Financial Risks of Climate Change

Remarks at the 2020 Climate Risk Symposium, Global Association of Risk Professionals (delivered via videoconference).
Speech

Working Paper
The Impact of Regulatory Stress Tests on Bank Lending and Its Macroeconomic Consequences

We use an expansive regulatory loan-level data set to analyze how the portfolios of the largest US banks have changed in response to the Dodd-Frank Act Stress Test (DFAST) requirements. We find that the portfolios of the largest banks, which are subject to stress-testing, have become more similar to each other since DFAST was implemented in 2011. We also find that banks with poor stress-test results tend to adjust their portfolios in a way that makes them more similar to the portfolios of banks that performed well in the stress-testing. In general, stress-testing has resulted in more ...
Working Papers , Paper 20-12

Working Paper
Technological Change and Financial Innovation in Banking: Some Implications for Fintech

Financial intermediation has changed dramatically over the past 30 years, due in large part to technological change. The paper first describes the role of the financial system in a modern economy and how technological change and financial innovation can affect social welfare. We then survey the empirical literatures relating to several specific financial innovations, broadly categorized as new production processes, new products or services, or new organizational forms. In each case, we also include examples of significant fintech innovations that are transforming various aspects of banking. ...
FRB Atlanta Working Paper , Paper 2018-11

Discussion Paper
Weathering the Storm: Who Can Access Credit in a Pandemic?

Credit enables firms to weather temporary disruptions in their business that may impair their cash flow and limit their ability to meet commitments to suppliers and employees. The onset of the COVID recession sparked a massive increase in bank credit, largely driven by firms drawing on pre-committed credit lines. In this post, which is based on a recent Staff Report, we investigate which firms were able to tap into bank credit to help sustain their business over the ensuing downturn.
Liberty Street Economics , Paper 20201013a

Journal Article
Banking Trends: Measuring Cov-Lite Right

More business loans today lack traditional covenants governing borrowers. Does that leave banks with fewer tools to ward off default?
Economic Insights , Volume 3 , Issue 3 , Pages 1-8

Newsletter
Banking Basics

There are many reasons to keep your money in a bank or credit union. The October 2020 issue of Page One: Focus on Finance describes what banks, credit unions, and online banks are and outlines things to consider when choosing where to have an account and what type of account to have.
Page One Economics Newsletter

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