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Have the Risk Profiles of Large U.S. Bank Holding Companies Changed?

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Abstract

After the global financial crisis, regulatory changes were implemented to support financial stability, with some changes directly addressing capital and liquidity in bank holding companies (BHCs) and others targeting BHC size and complexity. Although the overall size of the largest U.S. BHCs has not decreased since the crisis, the organizational complexity of these same organizations has declined, with less notable changes being observed in their range of businesses and geographic scope (Goldberg and Meehl, forthcoming). In this post, we explore how different types of BHC risks—risks that can influence the probability that a BHC is stressed, as well as the chance of systemic implications—have changed over time. The results are mixed: Levels of most BHC risks tend to be higher than in the years immediately preceding the crisis, but are markedly lower than the levels seen during and immediately following the crisis.

Suggested Citation

  • Ricardo Correa & Linda S. Goldberg & Kevin Lai, 2020. "Have the Risk Profiles of Large U.S. Bank Holding Companies Changed?," Liberty Street Economics 20200203, Federal Reserve Bank of New York.
    • Handle: RePEc:fip:fednls:87421
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    More about this item

    Keywords

    Crisis; Bank; Risk; Bank Holding Company;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services

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