Academy of Banking Studies Journal

Articles from Vol. 5, No. 1-2, January-July

An Empirical Investigation of Street Registration for Banking
INTRODUCTION The Securities and Exchange Commission ("SEC") is an independent, quasi-judicial regulatory agency with responsibility for administering federal securities laws. (Moyer, McGuigan, & Kretlow, 1992); ("The Work of the SEC," June 1997)....
Community Reinvestment Act: Review of Empirical Evidence
INTRODUCTION This paper reviews the empirical evidence on the community reinvestment act (CRA) in light of three major different perspectives: (1) The lending market is efficient, (2) The lending market is inefficient due to illegal "discrimination,"...
Comparing Credit Unions with Commercial Banks: Implications for Public Policy
INTRODUCTION Banks have always been considered the major financial institution and for most people, they provide services such as loans and deposits. Similar to banks, credit unions are regulated financial institutions dedicated to meeting the saving,...
International Banking and Large Community Banks: A Preliminary Look
INTRODUCTION Banking has had a rich and illustrious history. Much of its development can be directly related to the banks' ability to provide trade financing, credit, and foreign exchange services, activities specifically designed to overcome many...
Operating Performance of the U.S. Commercial Banks after IPOs: An Empirical Investigation
INTRODUCTION Financial services are perhaps the most significant economic sector in modern societies. In the more advanced service economies, the financial sector is a major source of employment. Given the important role of financial institutions...
The Community Reinvestment Act and Efficient Markets Debate: A Review of Theory
INTRODUCTION This paper crosses two existing lines of research. On the one hand, there is the literature on the community reinvestment act (CRA) and on the other there is the literature on the efficient markets hypothesis (EMH). The paper, therefore,...
The Influence of Growth Strategy on Profits in Credit Unions
INTRODUCTION One of management's main concerns is with the outcomes of strategic decision making. In particular, how does a specific marketing strategy decision, such as the selection of a plan for competitive posturing, affect the performance of...
The Unbanked Hispanic Community: Implications for the Banking Sector
INTRODUCTION According to the 2004 Survey of Consumer Finances, 8.7% of U.S. households are unbanked, i.e. they have no transaction account in the formal banking sector in the U.S. (Bucks, Kennickell and Moore 2006). Numerous studies have used survey...
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