Nos derniers articles

5 résultats pour « Banks »

Climate Risk and the U.S. Insurance Gap: Measurement, Drivers and Implications.

5 sept. 2024 Autre, Banks, Financial Stability, Climate Risk, Insurance Protection Gap, Mortgages, Household Finance, Property Insurers

This study develops a new method to estimate U.S. homeowners insurance coverage and premiums, revealing significant under-insurance, especially among vulnerable borrowers in high-risk areas. It highlights the role of rising premiums and behavioral inertia in under-insurance, with potential impacts on mortgage and real estate markets.

BANKS’ BUSINESS MODELS AND ESG PERFORMANCE

28 juin 2024 Autre, Banks, Risk taking, Business models, ESG rating

“... a greater focus on ESG risks is more in line with banks characterized by traditional activities.”

Does governance quality matter in financial intermediation? A comparison between bank and insurance companies

10 juin 2024 Autre, Banks, Risk, Agency problem, Governance quality, Financial Intermediation, Return, Insurance companies

“The study is based on ten years' data for 560 banks and 214 insurance companies from 28 countries. We find that governance quality is lower for insurance companies as compared to banks.”

The Value‑Relevance of ESG Scores:A Fair Value Hierarchy Perspective with Evidence from European Banks

22 févr. 2024 Autre, ESG, Banks, CSR, fair value hierarchy, Value Relevance

“… stock market investors either do not treat the ESG score as a reliable measure of ESG performance or, embracing the “overinvestment view” rather than the “risk mitigation view” of Corporate Social Responsibility, do not associate positive ESG performance to greater corporate transparency and trustworthiness.”

Consequences of Bank Stress Test Disclosures

4 déc. 2023 Autre, Banks, Financial Stability, Disclosure, Stress Tests, Risk Taking, Bank Opacity

“I show that, during a normal economic period, rather than having a disciplining effect, disclosure leads to banks increasing risk taking, consistent with banks facing pressure to offset the costs of stress testing.“

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