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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

Student
Title
Supervisor
Faculty
Educational Programme
Final Grade
Year of Graduation
Evgeniya Shabanova
How does the Quality of the Failed Banks Assets Affects the Decisions of the Owners, Management and Clients of the Bank
9
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.

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