Joong Ho Han

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Amodel of multimarket spatial competition is developed where small, single-market banks compete with large, multimarket banks (LMBs) for retail loans and deposits. Consistent with empirical evidence, LMBs are assumed to set retail interest rates uniformly across markets, have different operating costs, and have access to wholesale funding. If LMBs have(More)
A. A. Omrani,1 J. S. White,1,2 K. Prša,1 I. Živković,3 H. Berger,4 A. Magrez,4 Ye-Hua Liu,5 J. H. Han,6,7 and H. M. Rønnow1,* 1Laboratory for Quantum Magnetism, Ecole Polytechnique Fédérale de Lausanne (EPFL), CH-1015 Lausanne, Switzerland 2Laboratory for Neutron Scattering, Paul Scherrer Institut, CH-5232 Villigen, Switzerland 3Institute of Physics,(More)
This study examines the role of CEOs’ pensions and deferred compensations by exploring their impacts on pricing and non-pricing contract terms of bank loans. CEO’s inside debt, defined as the sum of defined benefit pensions and deferred compensations, pays fixed amounts at periodic intervals. We find that higher inside debt holdings significantly reduce(More)
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