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Diversification, Fee Income, and Credit Union Risk

Author

Listed:
  • Neil Esho

    ()

  • Paul Kofman
  • Ian Sharpe

Abstract

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Suggested Citation

  • Neil Esho & Paul Kofman & Ian Sharpe, 2005. "Diversification, Fee Income, and Credit Union Risk," Journal of Financial Services Research, Springer;Western Finance Association, vol. 27(3), pages 259-281, September.
  • Handle: RePEc:kap:jfsres:v:27:y:2005:i:3:p:259-281
    DOI: 10.1007/s10693-005-1804-0
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    References listed on IDEAS

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    1. Eisenbeis, Robert A & Harris, Robert S & Lakonishok, Josef, 1984. " Benefits of Bank Diversification: The Evidence from Shareholder Returns," Journal of Finance, American Finance Association, vol. 39(3), pages 881-892, July.
    2. Apilado, Vincent P. & Gallo, John G. & Lockwood, Larry J., 1993. "Expanded securities underwriting: Implications for bank risk and return," Journal of Economics and Business, Elsevier, vol. 45(2), pages 143-158, May.
    3. Stulz, ReneM., 1990. "Managerial discretion and optimal financing policies," Journal of Financial Economics, Elsevier, vol. 26(1), pages 3-27, July.
    4. Mandelker, Gershon N. & Rhee, S. Ghon, 1984. "The Impact of the Degrees of Operating and Financial Leverage on Systematic Risk of Common Stock," Journal of Financial and Quantitative Analysis, Cambridge University Press, vol. 19(01), pages 45-57, March.
    5. Marianne Gizycki & Brenton Goldsworthy, 1999. "Australian Banking Risk: The Stock Market’s Assessment and the Relationship Between Capital and Asset Volatility," RBA Research Discussion Papers rdp1999-09, Reserve Bank of Australia.
    6. DeYoung, Robert & Roland, Karin P., 2001. "Product Mix and Earnings Volatility at Commercial Banks: Evidence from a Degree of Total Leverage Model," Journal of Financial Intermediation, Elsevier, vol. 10(1), pages 54-84, January.
    7. Dennis, Steven A. & Jeffrey, Andrew, 2002. "Structural changes in Australian bank risk," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 12(1), pages 1-17, February.
    8. Sharpe, Ian G & Tuzun, Tayfun, 1998. "Standby Letters of Credit and Bank Default Risk," Australian Economic Papers, Wiley Blackwell, vol. 37(2), pages 152-168, June.
    9. Brewer, Elijah III, 1989. "Relationship between bank holding company risk and nonbank activity," Journal of Economics and Business, Elsevier, vol. 41(4), pages 337-353, November.
    10. Boot, Arnoud W. A. & Thakor, Anjan V., 1991. "Off-balance sheet liabilities, deposit insurance and capital regulation," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 825-846, September.
    11. Hassan, M. Kabir & Karels, Gordon V. & Peterson, Manfred O., 1994. "Deposit insurance, market discipline and off-balance sheet banking risk of large U.S. commercial banks," Journal of Banking & Finance, Elsevier, vol. 18(3), pages 575-593, May.
    12. Lord, Richard A, 1998. "Properties of Time-Series Estimates of Degree of Leverage Measures," The Financial Review, Eastern Finance Association, vol. 33(2), pages 69-83, May.
    13. Harper, Ian R & Scheit, T, 1992. "The Effects of Financial Market Deregulation on Bank Risk and Profitability," Australian Economic Papers, Wiley Blackwell, vol. 31(59), pages 260-271, December.
    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

    1. Lee, Chien-Chiang & Yang, Shih-Jui & Chang, Chi-Hung, 2014. "Non-interest income, profitability, and risk in banking industry: A cross-country analysis," The North American Journal of Economics and Finance, Elsevier, vol. 27(C), pages 48-67.
    2. van Rijn, Jordan, 2018. "The Effect of Membership Expansion on Credit Union Risk and Returns," Staff Paper Series 588, University of Wisconsin, Agricultural and Applied Economics.
    3. David Ely, 2014. "Credit unions and risk," Journal of Regulatory Economics, Springer, vol. 46(1), pages 80-111, August.
    4. Busch, Ramona & Kick, Thomas, 2009. "Income diversification in the German banking industry," Discussion Paper Series 2: Banking and Financial Studies 2009,09, Deutsche Bundesbank.
    5. Barry Williams & Laurie Prather, 2010. "Bank risk and return: the impact of bank non-interest income," International Journal of Managerial Finance, Emerald Group Publishing, vol. 6(3), pages 220-244, June.
    6. Goenner, Cullen F, 2016. "The policy impact of new rules for loan participation on credit union returns," Journal of Banking & Finance, Elsevier, vol. 73(C), pages 198-210.
    7. Robert Tokle & Joanne Tokle, 2010. "Credit Union Growth in Mid-sized Markets," New York Economic Review, New York State Economics Association (NYSEA), vol. 41(1), pages 45-56.
    8. Valadkhani, Abbas & Worthington, Andrew, 2014. "Asymmetric behavior of Australia's Big-4 banks in the mortgage market," Economic Modelling, Elsevier, vol. 43(C), pages 57-66.
    9. repec:kap:rqfnac:v:50:y:2018:i:4:d:10.1007_s11156-017-0660-y is not listed on IDEAS
    10. Li, Li & Zhang, Yu, 2013. "Are there diversification benefits of increasing noninterest income in the Chinese banking industry?," Journal of Empirical Finance, Elsevier, vol. 24(C), pages 151-165.
    11. repec:eee:finsta:v:30:y:2017:i:c:p:92-110 is not listed on IDEAS
    12. repec:eee:advacc:v:35:y:2016:i:c:p:197-206 is not listed on IDEAS
    13. Williams, Barry, 2016. "The impact of non-interest income on bank risk in Australia," Journal of Banking & Finance, Elsevier, vol. 73(C), pages 16-37.
    14. Goddard, John & McKillop, Donal & Wilson, John O.S., 2008. "The diversification and financial performance of US credit unions," Journal of Banking & Finance, Elsevier, vol. 32(9), pages 1836-1849, September.

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    Keywords

    Credit unions; fees; risk; diversification;

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