Natural disasters and bank stability: Evidence from the U.S. financial system

التفاصيل البيبلوغرافية
العنوان: Natural disasters and bank stability: Evidence from the U.S. financial system
المؤلفون: Felix Noth, Ulrich Schüwer
بيانات النشر: Frankfurt a. M.: Goethe University Frankfurt, SAFE - Sustainable Architecture for Finance in Europe, 2018.
سنة النشر: 2018
مصطلحات موضوعية: Economics and Econometrics, Q54, natural disasters, non-performing assets, ddc:330, G21, Management, Monitoring, Policy and Law, bank performance, health care economics and organizations, bank stability
الوصف: We show that property damages from weather-related natural disasters significantly weaken the stability of banks with business activities in affected regions, as re ected in lower z-scores, higher probabilities of default, higher non-performing assets ratios, higher foreclosure ratios, lower returns on assets, and lower bank equity ratios. The effects are economically relevant and suggest that insurance payments and public aid programs do not sufficiently protect bank borrowers against financial difficulties. We also find that the adverse effects on bank stability dissolve after some years if no further disasters occur during that time. This version: April 2018
اللغة: English
URL الوصول: https://explore.openaire.eu/search/publication?articleId=doi_dedup___::1d5876b2db38656a78f7552db8ff2b10
https://hdl.handle.net/10419/203308
Rights: OPEN
رقم الانضمام: edsair.doi.dedup.....1d5876b2db38656a78f7552db8ff2b10
قاعدة البيانات: OpenAIRE