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Why Did Bank Performance Vary During the Financial Crisis?

Author: TianZuoZuo
Tutor: YaoLi
School: Tianjin University of Finance and Economics
Course: Finance
Keywords: Bank Performance Internal and External Determinants Financial Crisis
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 68
Quote: 0
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Abstract


The sub-prime crisis has gradually developed into a global financial tsunami. Lehman Brothers, the legend of the financial industry went bankruptcy, which triggered more serious disaster. Commercial banks suffered a lot in the crisis. Though overall bank performance from January 2007 to December 2008 was the worst since at least the Great Depression, there is significant variation in bank performance. Why did some banks perform better during the financial crisis? Why did bank performance vary across countries? What determines the stability of banks and the whole financial system? This paper concentrates on the factors that determined the variation in bank performance.This paper constructs a model of 104 commercial banks from 12 countries in Asia. Firstly, a comparative analysis shows the net profit trend of Asian banks during the crisis. Secondly, the analysis illustrates the difference among banks and countries. Then this paper concentrates on the internal and external factors, that proved by other researchers, to contribute to the good performance of banks during the credit crisis. More specifically, this paper investigate whether the stability of bank performance is related to bank balance sheet factors, bank-level governance, macroeconomic conditions country-level governance and regulation, and profitability characteristics before the crisis. It is proved that the banks with lower core capital adequacy ratio, smaller total assets, lower management remuneration level and higher net profit in 2006 suffered more during the crisis. The results also show that banks in countries with more stable politics, less degree of financial openness, lower capitalization ratio and less volatile economic growth rate performed better. This paper provides evidence from 104 commercial banks in Asia. On the basis of theoretical and empirical analysis, this paper makes recommendations on how to enhance risk management and improve bank performance.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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