Kenneth Lucante, Economics

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Kenneth Lucante, a graduating senior at Wagner College, used this Power Point slideshow in delivering his senior thesis presentation.

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Kenneth Lucante, Economics

  1. 1. An Analysis of Regulatory Reform in the Post Recession Banking Industry<br />Kenneth Lucante<br />Economics Department <br />Spring 2010<br />
  2. 2. Introduction<br />Regulation and why we need it.<br />Methods of our study.<br />Purpose for our research. <br />
  3. 3. Data<br />100 largest bank branches in terms of asset size that are insured by the FDIC.<br />Numerical Cross-Sectioned data. <br />Results given in a linear relationship format to reduce risk of error.<br />
  4. 4. Table1. Summary Statistics for Bank Data<br />
  5. 5. Empirical Model<br />Note: above model only displays one dependent variable. The other three dependent variables are yea, roa and roe. <br />
  6. 6. Key Variables<br />Efficiency Ratio<br />Total Assets<br />Trading Account Assets<br />Total Liabilities<br />Total Deposits<br />Percent of Insured Deposits<br />β13i(x)<br />
  7. 7. Results<br />Table2. Bank Performance Indicator Regression Results<br />
  8. 8. Policy Implications<br />Regulate bank size in terms of total assets.<br />Encourage inter-bank trading.<br />Limit bank liabilities.<br />Increased required reserve levels.<br />Minimum amount of bank insured deposits.<br />Minimum amount of interest paid on deposited monies.<br />Maximum amount that a bank can charge for “service fees”. <br />

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