English, Article, Journal or magazine article edition: Capital Management of Deposit Takers: The Impact of Prudential Requirements Brenton Goldsworthy; Carlos Schulz; Geoffrey Shuetrim

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Bookmark: http://trove.nla.gov.au/version/155
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • Capital Management of Deposit Takers: The Impact of Prudential Requirements
Author
  • Brenton Goldsworthy
  • Carlos Schulz
  • Geoffrey Shuetrim
Physical Description
  • preprint
Notes
  • QThis paper explores how the proximity of an instituions's capital-adequacy ratio to the regulatory minimum influences the capital-adequacy ratio observed in the following period. It is shown that banks and credit unions react differently to the prudential constraints. The majority of banks tend to operate with a small buffer of capital above the regulatory minimum; if their capital -adequacy ratio gets too close to the minimum then the bank tends to increase the ratio ove the next year, while if the bank finds itself with a ratio well above the minimum then it is inclined to decrease the ratio. In constrast, the capital-adequacy ratio for many credit unions evolves like a random walk.
  • Capital Ratio; Solvency; Prudential Supervision; Bank
  • RePEc:apr:aprewp:wp0004
Language
  • English
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