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- Publications
- Influence
The Determinants of Bank Interest Margins: Theory and Empirical Evidence
- T. Ho, A. Saunders
- Economics
- 1 November 1981
This paper has developed a model of bank margins or spreads in which the bank is viewed as a risk-averse dealer. It was demonstrated that an interest spread or margin would always exist, and that… Expand
Lending Relationships and Loan Contract Terms
- Sreedhar T. Bharath, Sandeep Dahiya, A. Saunders, A. Srinivasan
- Economics
- 1 April 2011
We find that repeated borrowing from the same lender translates into a 10--17 bps lowering of loan spreads and that relationships are especially valuable when borrower transparency is low. These… Expand
Should Banks Be Diversified? Evidence from Individual Bank Loan Portfolios
- V. Acharya, A. Saunders, I. Hasan
- Business
- 1 September 2002
We study empirically the effect of focus (specialization) vs. diversification on the return and the risk of banks using data from 105 Italian banks over the period 1993-1999. Specifically, we analyze… Expand
The Determinants of Bank Interest Rate Margins: An International Study
- A. Saunders, Liliana B. Schumacher
- Economics
- 1 December 2000
Abstract This paper studies the determinants of bank net interest margins (NIMs) in six selected European countries and the US during the period 1988–1995 for a sample of 614 banks. We apply the Ho… Expand
So What Do I Get? The Bank's View of Lending Relationships
- Sreedhar T. Bharath, Sandeep Dahiya, A. Saunders, A. Srinivasan
- Economics
- 1 August 2007
While many empirical studies document borrower benefits of lending relationships, less is known about lender benefits. A relationship lender's informational advantage over a non-relationship lender… Expand
The Impact of Institutional Ownership on Corporate Operating Performance
- Marcia Millon Cornett, A. Marcus, A. Saunders, H. Tehranian
- Business
- 1 November 2003
This paper examines the relationship between institutional investor involvement in and the operating performance of large firms. We confirm a significant relationship between a firm’s operating cash… Expand
Ownership Structure, Deregulation, and Bank Risk Taking
- A. Saunders, Elizabeth Strock, N. Travlos
- Economics
- 1 June 1990
This paper investigates the relationship between bank ownership structure and risk taking. It is hypothesized that stockholder controlled banks have incentives to take higher risk than managerially… Expand
The Effects of Bank Mergers and Acquisitions on Small Business Lending
- Allen N. Berger, A. Saunders, J. Scalise, Gregory F. Udell
- Business
- 1 March 1997
We examine the effects of bank M&As on small business lending using data on over 6,000 recent U.S. bank M&As. We are the first to decompose the impact of M&As into static effects from simply melding… Expand
Financial Institutions Management: A Risk Management Approach
- A. Saunders, Marcia Millon Cornett
- Business
- 1 August 1996
Part I Introduction Ch. 1 Why Are Financial Institutions Special? Appendix 1A The Financial Crisis: The Failure of Financial Services Institution Specialness (online) Appendix 1B Monetary Policy… Expand
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- PDF
A Survey of Cyclical Effects in Credit Risk Measurement Models
- Linda Allen, A. Saunders
- Economics, Business
- 1 May 2002
We survey both academic and proprietary models to examine how macroeconomic and systematic risk effects are incorporated into measures of credit risk exposure. Many models consider the correlation… Expand
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