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As a financial intermediary, the banking industry is critical in mobilising funds between surplus and deficit firms. The global financial market has changed dramatically as a result of the transition from financial repression to financial liberalisation, which has resulted in increased cross-border capital flows and financial sector expansion. Liberalisation of the banking industry has pushed commercial banks to take on more risk, which may have a detrimental effect on financial stability and the survival of smaller banks. As a result, the purpose of this study was to examine the function of interest rates as a mediating factor in the link between financial liberalisation and financial stability in Malaysian conventional and Islamic banks. Due to Shariah constraints, Islamic banks' mediating effects may differ from those of conventional banks. PLS-SEM analysis of the research model found that interest rates strongly mediated the association between financial liberalisation and financial stability. Islamic banks, on the other hand, must preserve their stability through interest rate mediation in the context of financial liberalisation. Keywords: Financial Liberalization, Financial Stability, Interest Rate, PLS-SEM Introduction, Financial stability is possible when the financial intermediation process operates smoothly and there is confidence in the financial institutions' actions. The banking sector acts as a financial mediator in order [...]

Byline: Shabbir Kazmi During 3QCY19 aggregate profitability of listed Pakistani commercial banks (excluding Silk Bank) rose to Rs45.5 billion, up 48%YoY. The increase in profit is primarily on the back [...]

The policy debate on whether to strengthen or to remove the legal barriers between banking and commerce has paid little attention to what the practical effects of removing the barriers would be. To help answer this question, this article, the first part of a two-part study, provides an overview of the potential gains of integrating banking and commerce. Economic theory, the authors note, suggests that joint corporate ownership of banks and commercial firms has several potential benefits, including economies of scale and scope, increased internal capital markets, and diversification. Commercial firms could also enjoy a significant reduction in funding costs if affiliation with a bank extended the federal safety net for banks to cover the commercial firms' liabilities. But some benefits are already available without common ownership. Moreover, common ownership may also result in some disadvantages, such as significant diseconomies of scale and scope. Actual experience provides better insight than theory can about the relative magnitudes of the benefits and costs of cross-industry combinations. U.S. experience with limited openings between banking and nonbank activities suggests that the most common combinations were banks with nonbank financial firms, relationships that were authorized by a 1999 reform act. Foreign experience and U.S. conglomerates of nonbank firms in different industries fail to provide compelling evidence for large-scale combinations of banking and commercial firms. JEL classification: G21, G34, G28 Keywords: banking and commerce, The application by Wal-Mart in 2005 to acquire a type of bank called an industrial loan company (ILC) sparked a renewed interest in the issue of mixing banking and commerce. [...]

Many banks believe that their customers are extremely sensitive to changes in fees and interest rates for retail deposit products. But recent research shows that in reality customers are fairly [...]

By Stanley D. Smith, Ph.D., and Larry A. Frieder, Ph.D. Dr. Smith holds the SunTrust Chair of Banking at the University of Central Florida. Dr. Frieder is the Eminent Bank [...]

'Bankers should discriminate (in pricing), provided the word means to measure and price risk properly with regard to legitimate economic characteristics of the client relationship....But bankers should be prosecuted for [...]

To fee or not to fee. That is the question on bankers' minds nationwide. Fees are sending the media, legislators, and consumer-advocate groups into a feeding frenzy and the banking [...]

Fair value has been one of the dominant themes in financial reporting over the last decade but to what extent is it the appropriate measure for all types of financial [...]

The yield on ADCB's notes due March 2018 dropped 34 basis points, or 0.34 percentage points, this year to 2.54 per cent, according to data compiled by agencies. Abu Dhabi [...]

It all started on a tennis court. Sam Kitchell, the founder and chairman of Kitchell Contractors Inc. of Arizona, a privately held construction company in Phoenix, learned from a tennis [...]

Another Run for the Border The migration down south continues and Credit Suisse First Boston is the latest to board the Mexican Express. CSFB received regulatory approval to expand its [...]

Huntington Bancshares has been trying to turn itself around for over a year now, and it seems to be making progress. Analysts have been saying that the Columbus-based banking company [...]

A scary vision: Banks are no longer needed. Fair Isaac has been trying to make itself the evaluator of consumer credit worthiness. It has been urging banks, so far without [...]

What are we to make of the news that Barclays Bank is slashing contractors' rates by 20% in an effort to cut costs across its IT department? Should this be […]

Walk out with these Ordinary folk in search of a safe haven WAY back in 1989, when Japan was still flush with money, the government tossed the country's 3,000-odd towns [...]

Surcharge-free ATM alliances are fairly common among smaller banks and credit unions, operations with few ATMs of their own and little to lose by giving up ATM surcharges. By pooling [...]

MORTGAGE RATES LENDER RATE PTS APR TERM MAXLOAN FIXED RATE FIRSTS Southwest Community Bank 6.125 2.00 6.43 30 275,000 Countrywide Funding 6.25 2.00 6.55 30 275,000 Palomar Community Bank 6.50 [...]

INTEREST RATE SURVEY CERTIFICATE OF DEPOSIT YIELDS $10,000 6 mo. 1 yr Banco Popular N.A. 2.80 3.11 Calif. Bank & Trust 2.33 2.38 Calif. Fed. Bank 2.50 2.60 Cathay Bank [...]

MORTGAGE RATES LENDER RATE PTS APR TERM MAXLOAN FIXED RATE FIRSTS Countrywide Funding 6.25 2.25 6.57 30 275,000 Palomar Community Bank 6.375 1.00 6.58 30 275,000 California Bank & Trust [...]

INTEREST RATES (Current as of 9/25/01; some rates change daily) LOANS New Car Loans (over $6,000) 3 year 4 year Adirondack Trust Co. 6.50 6.75 Ballston Spa National Bank 6.75 [...]

The regional bank loan market is waking up after the summer lull with three fresh deals in the pipeline. The largest, a $250 million facility for Dubai-based Emirates Bank International [...]

Misr International Bank (MIBank) has raised a $100 million, three-year loan, in the bank's first foray into the international debt market. The proceeds will be used for general funding purposes. [...]

Europe's central bank has cut interest rates, at last AFTER a summer pause, the motley crew of economists, hacks and bankers who watch the European Central Bank were back on [...]

INTEREST RATES & INCOME LOANS INCOME PROPERTY LOANS RATES AS OF AUGUST 15, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.375% 90 1.000 NA F CalFed Lending [...]

INTEREST RATES & INCOME LOANS INCOME PROPERTY LOANS RATES AS OF AUGUST 8, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.500% 90 1.125 NA F CalFed Lending [...]

MORTGAGE RATES LENDER RATE PTS APR TERM MAXLOAN FIXED RATE FIRSTS July 25, 2001 Southwest Community Bank 6.625 2.00 6.93 30 275,000 Countrywide Funding 6.75 2.25 7.08 30 275,000 Sanwa [...]

* BORROWING RATES SBA Auto Personal Loan Prime Terms Terms Rate Bank of Kansas 7.50 7.79 10.00 8.75 Legacy Bank 6.75 8.50 11.75 9.00 Rose Hill Bank 6.75 7.50 -- [...]

INTEREST RATES & INCOME LOANS INCOME PROPERTY LOANS RATES AS OF JULY 11, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.500% 90 1.375 NA F CalFed Lending [...]

Kuwait Kuwait Real Estate Bank (KREB) signed a $50 million syndicated loan on 24 June. The three-year facility, priced at 75 basis points (bp) over Libor, was lead arranged by [...]

BORROWING RATES SBA Auto Personal Loan Prime Terms Terms Rate Legacy Bank 7.00 8.50 11.75 9.25 Valley State Bank 7.00 7.90 13.25 9.50 Hillcrest Bank 7.00 9.75 14.50 9.50 Bank [...]

The primary purpose of a funds-transfer-pricing (FTP) process is to remove interest-rate risk from a bank's lines of business and to centralize that risk in a treasury unit. The idea [...]

INTEREST RATES & INCOME LOANS INCOME PROPERTY LOANS RATES AS OF JUNE 6, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.490% 90 1.375 NA F CalFed Lending [...]

* BORROWING RATES(1) SBA Auto(2) Personal Loan Prime Terms Terms Rate Pilot Financial Inc. 7.00 -- -- 8.50 Legacy Bank 7.00 8.50 11.75 9.25 Pioneer Bank & Trust -- -- [...]

INTEREST RATE SURVEY CERTIFICATE OF DEPOSIT YIELDS $10,000 6 mo. 1 yr. Banco Popular N.A. 3.95 4.05 Calif. Bank & Trust 3.77 3.87 Calif. Fed. Bank 3.75 4.55 Capitol Thrift [...]

INCOME PROPERTY LOANS RATES AS OF MAY 30, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.750% 90 1.125 NA F CalFed Lending MDU 7.375% 75 2.021 NA [...]

MORTGAGE RATES FIXED RATE FIRSTS LENDER RATE PTS APR TERM MAXLOAN Southwest Community Bank 6.75 2.00 7.05 30 275,000 Countrywide Funding 6.75 2.25 7.08 30 275,000 California Bank & Trust [...]

INTEREST RATES & INCOME LOANS INCOME PROPERTY LOANS RATES AS OF MAY 23, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.625% 90 1.250 NA F CalFed Lending [...]

INTEREST RATES & INCOME LOANS INCOME PROPERTY LOANS RATES AS OF MAY 9, 2001 TYPE RATE LTV POINTS MARGIN ADJUST Action Lending Res 7.375% 90 1.125 NA F CalFed Lending [...]

MORTGAGE RATES May 5, 2001 LENDER RATE PTS APR TERM MAXLOAN FIXED RATE FIRSTS Southwest Community Bank 6.75 2.00 7.05 30 275,000 Countrywide Funding 6.75 2.25 7.08 30 275,000 Sanwa [...]

MORTGAGE RATES April 25, 2001 LENDER RATE PTS APR TERM MAXLOAN FIXED RATE FIRSTS Califronia Bank & Trust 7.00 1.00 7.20 30 275,000 EL Dorado Bank 7.00 1.00 7.20 30 [...]

MORTGAGE RATES April 18, 2001 LENDER RATE PTS APR TERM MAXLOAN FIXED RATE FIRSTS Fouts Financial 6,75 2.00 7.05 30 275,000 Southwest Community Bank 6.75 2.00 7.05 30 275,000 San [...]