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

1. An Analysis of Regulatory Reform in the Post Recession Banking Industry Kenneth Lucante Economics Department Spring 2010

2. Introduction Regulation and why we need it. Methods of our study. Purpose for our research.

3. Data 100 largest bank branches in terms of asset size that are insured by the FDIC. Numerical Cross-Sectioned data. Results given in a linear relationship format to reduce risk of error.

4. Table1. Summary Statistics for Bank Data

5. Empirical Model Note: above model only displays one dependent variable. The other three dependent variables are yea, roa and roe.

6. Key Variables Efficiency Ratio Total Assets Trading Account Assets Total Liabilities Total Deposits Percent of Insured Deposits β13i(x)

7. Results Table2. Bank Performance Indicator Regression Results

8. Policy Implications Regulate bank size in terms of total assets. Encourage inter-bank trading. Limit bank liabilities. Increased required reserve levels. Minimum amount of bank insured deposits. Minimum amount of interest paid on deposited monies. Maximum amount that a bank can charge for “service fees”.