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ARE BANKS RISK-AVERSE?
- Article from:
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Eastern Economic Journal
- Article date:
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October 1, 2007
- Author:
- Nishiyama, Yasuo
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Copyright informationCopyright Eastern Economic Association Fall 2007. Provided by ProQuest LLC. (Hide copyright information)
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(ProQuest: ... denotes formulae omitted.)
INTRODUCTION
Banks typically operate by extending long-term assets (loans) that are funded primarily by short-term liabilities (deposits), thereby exposing themselves to interest-rate risk. In a period of rising market interest rates, for example, such maturity mismatching implies a decline in income and/or net worth because liabilities reprice faster than assets (or interest-rate risk). A recent study [Sierra and Yeager, 2004] shows, however, that banks in general are only moderately liability sensitive, thereby suggesting that the degree of mismatching may be limited. This finding is consistent with the fact that interest-rate risk control ...
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