[PDF] Post Resolution Treatment Of Depositors At Failed Banks eBook

Author : Mr.George G. Kaufman
Publisher : INTERNATIONAL MONETARY FUND
Page : 0 pages
File Size : 47,46 MB
Release : 2001-06-01
Category : Business & Economics
ISBN : 9781451850543

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Losses may accrue to depositors at insolvent banks both at and after the time of official resolution. Losses at resolution occur because of poor closure rules and regulatory forbearance. Losses after resolution occur if depositors' access to their claims is delayed or "frozen." While the sources and implications of losses at resolution have been analyzed previously, the sources and implications of losses after resolution have received little attention. This paper examines the causes of delayed depositors' access to their funds at resolved banks, describes how the FDIC provides immediate access, reports on a special survey of access practices in other countries, and analyzes the costs and benefits of delayed access in terms of both the effects on market discipline and depositor pressure to protect all deposits.

Author : Mr.David C. Parker
Publisher : International Monetary Fund
Page : 244 pages
File Size : 29,22 MB
Release : 2011-04-11
Category : Business & Economics
ISBN : 161635027X

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This manual addresses problem bank resolution from the time a bank is identified as being in financial trouble through intervention to liquidation. It comes with an interactive CD-Rom from which users can download and tailor documents to use in their own closing processes. The book draws on the author’s lengthy career as a bank liquidator for the Federal Deposit Insurance Corporation and Resolution Trust Corporation and his worldwide consulting experience with the IMF and other international organizations.

Author : Federal Deposit Insurance Corporation
Publisher :
Page : pages
File Size : 22,5 MB
Release : 2018-03-06
Category :
ISBN : 9780966180817

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Crisis and Response: An FDIC History, 2008¿2013 reviews the experience of the FDIC during a period in which the agency was confronted with two interconnected and overlapping crises¿first, the financial crisis in 2008 and 2009, and second, a banking crisis that began in 2008 and continued until 2013. The history examines the FDIC¿s response, contributes to an understanding of what occurred, and shares lessons from the agency¿s experience.

Author : Mr.Giovanni Dell'Ariccia
Publisher : International Monetary Fund
Page : 42 pages
File Size : 44,60 MB
Release : 2018-02-09
Category : Business & Economics
ISBN : 1484341007

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This SDN revisits the debate on bank resolution regimes, first by presenting a simple model of bank insolvency that transparently describes the trade-off involved between bail-outs, bail-ins, and larger capital buffers. The note then looks for empirical evidence to assess the moral hazard consequences of bail-outs and the systemic spillovers from bail-ins.

Author : Mr.Daniel C. Hardy
Publisher : International Monetary Fund
Page : 30 pages
File Size : 14,23 MB
Release : 2013-07-18
Category : Business & Economics
ISBN : 1484354109

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Depositor preference and collateralization of borrowing may reduce the cost of settling the conflicts among creditors that arises in case of resolution or bankruptcy. This net benefit, which may be capitalized into the value of the bank rather than affect creditors’ expected returns, should result in lower overall funding costs and thus a lower probability of distress despite increasing encumbrance of the bank’s balance sheet. The benefit is maximized when resolution is initiated early enough for preferred depositors to remain fully protected.

Author : Mr.Martin Cihak
Publisher : International Monetary Fund
Page : 31 pages
File Size : 22,22 MB
Release : 2009-09-01
Category : Business & Economics
ISBN : 1451873476

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The global financial crisis has demonstrated weaknesses in resolution regimes for financial institutions around the globe, including in the European Union (EU). This paper considers the principles underlying resolution regimes for financial institutions, and draws out how a well-designed resolution regime can expand the toolset available for crisis management. Introducing, or in some cases expanding the scope, of these regimes is pressing to achieve more effective responses to ongoing financial sector weaknesses across the EU.

Author : Mr.Marc C Dobler
Publisher : INTERNATIONAL MONETARY FUND
Page : 28 pages
File Size : 35,74 MB
Release : 2020-12-22
Category : Business & Economics
ISBN : 9781513557397

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This technical note and manual (TNM) addresses the following issues: advantages and disadvantages of different types of depositor preference, international best practice and experience in adopting depositor preference, and introducing depositor preference in jurisdictions with or without deposit insurance.