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  • How does the Quality of the Failed Banks Assets Affects the Decisions of the Owners, Management and Clients of the Bank

How does the Quality of the Failed Banks Assets Affects the Decisions of the Owners, Management and Clients of the Bank

Student: Shabanova Evgeniya

Supervisor: Vladimir Sokolov

Faculty: International College of Economics and Finance

Educational Programme: Double degree programme in Economics of the NRU HSE and the University of London (Bachelor)

Final Grade: 9

Year of Graduation: 2017

This paper explores the topic of bank defaults in the Russian banking sector. The novelty of this work is the examination of the role ownership change plays in bank default. The main question this paper attempts to address is which factors are significant in predicting the failure of the banks, particularly, whether the fact of the ownership change is an indicator of the problems the bank faces and the illegal operations it is involved in. The author verified the hypothesis for the set of banks failed in Jan-2015 – May-2017. Using logit regression, the author finds the strong positive association between probability of default (license withdrawal either due to economic reasons, or due to fraudulent behavior) and the fact of change in ownership. Moreover, the time of change is also a significant factor.

Full text (added June 18, 2017)

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