23rd Bank Research Conference Agenda

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Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/analysis" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Analysis </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div 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Browse our extensive research tools and reports.</p><p><a href="/analysis">More FDIC Analysis</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-3" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research" class="tbm-link level-2"> Center for Financial Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/consumer-research" class="tbm-link level-2"> Consumer Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/household-survey" class="tbm-link level-2"> FDIC National Survey of Unbanked and Underbanked Households </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-4" role="list"> 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href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024">FDIC-Insured Institutions Reported Net Income of $71.5 Billion</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-05/qbp-q1-2024.png?itok=WG14C4zi" width="277" height="141" alt="Quarterly Banking Profile for First Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / May 29, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/">Quarterly Banking Profile for First Quarter 2024</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div 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width="277" height="141" alt="Quarterly Banking Profile for Third Quarter 2023" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / November 29, 2023 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023sep/">Quarterly Banking Profile for Third Quarter 2023</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/news" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> News </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div 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"> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 megamenu-search tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <span class="tbm-link level-1 no-link tbm-toggle" tabindex="0" aria-expanded="false"> Search </span> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="megamenu-search-submenu tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span12"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0" class="block block-block-content block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0"> <div class="field field--name-body 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class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/styles/landing_page_hero/private/2024-07/brc-header.jpg?itok=d1zXUmoq" width="1356" height="320" alt="23rd Annual Bank Research Conference Logo" /> </div></div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--accordion-group paragraph--view-mode--default accordion-group"> <div class="accordion__group-toggle"> <button id="accordion-group-toggle-112126" class="accordion__group-toggle-button usa-button" aria-expanded="false" aria-controls="accordion-group-112126">Open All</button> </div> <div id="accordion-group-112126" > <div class="field field--name-field-folds field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="accordion__fold"> <a id="thursday-september-19-2024" class="accordion__anchor"></a> <button id="accordion-heading-112116" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-112116"> <span class="accordion__heading"> Thursday, September 19, 2024 </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-112116" class="accordion__content" role="region" aria-labelledby="accordion-heading-112116" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><strong>8:00-9:00 AM</strong></td><td><strong>Registration and Continental Breakfast</strong></td></tr><tr><td><strong>9:00-9:30 AM</strong></td><td><strong>Opening Remarks</strong><br><strong>Martin Gruenberg</strong>, Chairman of the Federal Deposit Insurance Corporation<br> </td></tr><tr><td><strong>9:30-10:45 AM</strong></td><td><p><strong>Paper Session 1: The Environment for Environmental Lending</strong><br>Session Chair and Discussant: <strong>Peter Tufano</strong>, Harvard University<br><a href="/system/files/2024-09/tufano-presentation-091724.pptx" data-entity-type="media" data-entity-uuid="4e2500e8-2f16-4e8f-a4c8-10caf13ce663" data-entity-substitution="media" type="pptx" title="Tufano-Presentation-091724">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/erten-paper-091124.pdf" data-entity-type="media" data-entity-uuid="eda3def3-fff2-480f-ac41-f2d6a62e8a36" data-entity-substitution="media" type="pdf" title="Erten-paper-091124"><strong>Do Banks Price Environmental Risk? Only When Local Beliefs Are Binding!</strong></a><br><a href="/system/files/2024-09/erten-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="38da40bb-c9c6-4192-933a-1621b11df0fe" data-entity-substitution="media" type="pdf" title="Erten-Presentation-091724">Presentation</a><br> <ul><li><strong>Irem Erten</strong>, Warwick Business School</li><li>Steven Ongena, University of Zurich</li></ul></li><li><a href="/system/files/2024-09/kim-dasol-paper-9324.pdf" data-entity-type="media" data-entity-uuid="a2266f03-c078-4979-9cca-4b00eade1ab2" data-entity-substitution="media" type="pdf" title="Kim-Dasol-Paper-9324"><strong>Bank Competition and Strategic Adaptation to Climate Change</strong></a><br><a href="/system/files/2024-09/dasol-kim-presentation-091624.pptx" data-entity-type="media" data-entity-uuid="dd3e149a-6214-4989-bfc1-5860f96cf652" data-entity-substitution="media" type="pptx" title="Dasol-Kim-Presentation-091624">Presentation</a><br> <ul><li><strong>Dasol Kim</strong>, Office of Financial Research</li><li>Luke Olson, Office of Financial Research</li><li>Toan Phan, Federal Reserve Bank of Richmond</li></ul></li><li><a href="/system/files/2024-09/roman-paper-091624.pdf" data-entity-type="media" data-entity-uuid="9d746ac6-f38b-4864-90a9-29c2ad9c01d4" data-entity-substitution="media" type="pdf" title="Roman-Paper-091624"><strong>Banking on Deforestation: The Cost of Nonenforcement</strong></a><br><a href="/system/files/2024-09/roman-presentation-091824.pdf" data-entity-type="media" data-entity-uuid="8320e138-b12f-41ad-8d18-a33558cbe1ae" data-entity-substitution="media" type="pdf" title="Roman-Presentation-091824">Presentation</a><br> <ul><li>Allen N. Berger, University of South Carolina</li><li>Cristina Ortega, University of Malaga</li><li>Matias Ossandon Busch, CEMLA and Halle Institute for Economic Research (IWH)</li><li><strong>Raluca A. Roman</strong>, Federal Reserve Bank of Philadelphia</li></ul></li></ul></td></tr><tr><td><strong>10:45-11:15 AM</strong></td><td><strong>Break</strong></td></tr><tr><td><strong>11:15-12:30 PM</strong></td><td><p><strong>Paper Session 2: Coping with Insolvency-Based Liquidity Problems</strong><br>Session Chair and Discussant: <strong>Mark Flannery</strong>, University of Florida<br><a href="/system/files/2024-09/flannery-presentations-091724.pdf" data-entity-type="media" data-entity-uuid="fe313d3a-4568-473d-a37a-3046bc95345b" data-entity-substitution="media" type="pdf" title="Flannery-Presentation-091724">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/heitz-paper-091124.pdf" data-entity-type="media" data-entity-uuid="0fce0491-ce75-4881-ad74-9cb73faf3556" data-entity-substitution="media" type="pdf" title="Heitz-Paper-091124"><strong>Quick on the Draw: Liquidity Risk Mitigation in Failing Banks</strong></a><br><a href="/system/files/2024-09/heitz-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="fac3c543-9ee9-42f6-9e9d-12ead8198f72" data-entity-substitution="media" type="pdf" title="Heitz-Presentation-091724">Presentation</a><br> <ul><li><strong>Amanda Rae Heitz</strong>, Tulane University</li><li>Jeffrey Traczynski, FDIC</li><li>Alexander Ufier, FDIC</li></ul></li><li><a href="/system/files/2024-09/sarkar-paper-090624_0.pdf" data-entity-type="media" data-entity-uuid="56f27af5-e6cc-4aa7-8b63-0d5b26b92ad4" data-entity-substitution="media" type="pdf" title="Sarkar-Paper-090624"><strong>Investor Attention to Bank Risk during the Spring 2023 Bank Run</strong></a><br><a href="/system/files/2024-09/sarkar-presentation-091624.pptx" data-entity-type="media" data-entity-uuid="7b5147ab-ce66-47a3-a095-15d9f57f1c6f" data-entity-substitution="media" type="pptx" title="Sarkar-Presentation-091624">Presentation</a><br> <ul><li>Natalia Fischl-Lanzoni, Federal Reserve Bank of New York</li><li>Martin Hiti, Federal Reserve Bank of New York</li><li>Nathan Kaplan, Harvard Business School</li><li><strong>Asani Sarkar</strong>, Federal Reserve Bank of New York</li></ul></li><li><a href="/system/files/2024-09/silverstein-paper-091124.pdf" data-entity-type="media" data-entity-uuid="a80fc0e1-3d5b-494e-a028-74301472ca86" data-entity-substitution="media" type="pdf" title="Silverstein-Paper-091124"><strong>Revenge of the S&Ls: How Banks Lost a Half Trillion Dollars during 2022</strong></a><br><a href="/system/files/2024-09/silverstein-presentation-091724.pptx" data-entity-type="media" data-entity-uuid="9471d54f-d788-4816-aa14-ce7501a10730" data-entity-substitution="media" type="pptx" title="Silverstein-Presentation-091724">Presentation</a><br> <ul><li>Rebel A. Cole, Florida Atlantic University</li><li><strong>Brian Silverstein</strong>, University of South Carolina</li><li>Jon R. Taylor, Michigan State University</li><li>Susan M. Wachter, University of Pennsylvania</li><li>Lawrence J. White, New York University</li></ul></li></ul></td></tr><tr><td><strong>12:30-2:00 PM</strong></td><td><p><strong>Lunch and Poster Presentations</strong><br> </p><ul><li><strong>Bank Capital Regulation in a Monetary Union</strong><br> <ul><li><strong>Luigi Falasconi</strong>, University of Pennsylvania</li><li>Caterina Medicino, European Central Bank</li><li>Kalin Nikolov, European Central Bank</li><li>Dominik Supera, Columbia Business School</li></ul></li><li><a href="/system/files/2024-09/bickmore-paper-091124.pdf" data-entity-type="media" data-entity-uuid="69d541b1-f12c-44cf-ab92-e7280eed4a36" data-entity-substitution="media" type="pdf" title="Bickmore-Paper-091124"><strong>Old Program, New Banks: Online Banks in Small Business Lending</strong></a><br> <ul><li><strong>Elizabeth Bickmore</strong>, Virginia Tech</li><li>Andrew MacKinlay, Virginia Tech</li><li>Yessenia Tellez, Virginia Tech</li></ul></li><li><a href="/system/files/2024-09/aldana-paper-091024.pdf" data-entity-type="media" data-entity-uuid="dddd4a85-7b7a-44fc-91dc-1b8bc784a918" data-entity-substitution="media" type="pdf" title="Aldana-Paper-091024"><strong>Small Banks and the Recovery Advantage in Commercial Real Estate</strong></a><br> <ul><li><strong>Ernesto Aldana</strong>, Clemson University</li></ul></li><li><a href="/system/files/2024-09/mahmood-paper-091224.pdf" data-entity-type="media" data-entity-uuid="7349cf52-82e1-4009-846e-d101713c5386" data-entity-substitution="media" type="pdf" title="Mahmood-Paper-091224"><strong>The Long and Short of U.S. Bank Regulations: From the Great Depression to the 2023 Bank Failures</strong></a><br> <ul><li><strong>Sami Mahmood</strong>, National University of Singapore</li></ul></li></ul></td></tr><tr><td><strong>2:00-3:15 PM</strong></td><td><p><strong>Paper Session 3: Digital Banking to Fintech: Financial Services Innovation and AI-Driven Banking</strong><br>Session Chair and Discussant: <strong>Eren Kurshan</strong>, Princeton University<br><a href="/system/files/2024-09/kurshan-presentation-091924.pdf" data-entity-type="media" data-entity-uuid="1e3c3400-70cd-4102-840b-481f0662465e" data-entity-substitution="media" type="pdf" title="Kurshan-Presentation-091924">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/koont-paper-090324.pdf" data-entity-type="media" data-entity-uuid="dbae6ed1-eaf8-413c-8b6e-93dd441d9e83" data-entity-substitution="media" type="pdf" title="Koont-Paper-090324"><strong>The Digital Banking Revolution: Effects on Competition and Stability</strong></a><br><a href="/system/files/2024-09/koont-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="773c9af2-8923-46d8-8782-2380467bbe0b" data-entity-substitution="media" type="pdf" title="Koont-Presentation-091724">Presentation</a><br> <ul><li><strong>Naz Koont</strong>, Stanford University</li></ul></li><li><a href="/system/files/2024-09/mihov-paper-090624.pdf" data-entity-type="media" data-entity-uuid="22295925-6b39-4d1e-aa8c-35a5645b1160" data-entity-substitution="media" type="pdf" title="Mihov-Paper-090624"><strong>Financial Innovation and Risk: Evidence from Operational Losses at U.S. Banking Organizations</strong></a><br><a href="/system/files/2024-09/mihov-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="c9972e1d-257a-49b3-8b81-41a5909af095" data-entity-substitution="media" type="pdf" title="Mihov-Presentation-091724">Presentation</a><br> <ul><li>W. Scott Frame, Structured Finance Association</li><li>Ping McLemore, Federal Reserve Bank of Richmond</li><li><strong>Atanas Mihov</strong>, University of Kansas</li></ul></li><li><a href="/system/files/2024-09/qian-paper-091824.pdf" data-entity-type="media" data-entity-uuid="f30962bb-2a50-4f02-9bc5-ac3969d5d2dd" data-entity-substitution="media" type="pdf" title="Qian-Paper-091824"><strong>From Competitors to Partners: Banks’ Venture Investments in Fintech</strong></a><br><a href="/system/files/2024-09/qian-presentation-091824.pdf" data-entity-type="media" data-entity-uuid="3c39fb58-cb6a-4837-8e98-cec11a682a39" data-entity-substitution="media" type="pdf" title="Qian-Presentation-091824">Presentation</a><br> <ul><li>Manju Puri, Duke University</li><li><strong>Yiming Qian</strong>, University of Connecticut </li><li>Xiang Zheng, University of Connecticut</li></ul></li></ul></td></tr><tr><td><strong>3:15-3:45 PM</strong></td><td><strong>Break</strong></td></tr><tr><td><strong>3:45-5:00 PM</strong></td><td><p><strong>Paper Session 4: Private Information, Disclosure, and Lending</strong><br>Session Chair and Discussant: <strong>Allison Nicoletti</strong>, University of Pennsylvania<br><a href="/system/files/2024-09/nicoletti-presentation-091824.pdf" data-entity-type="media" data-entity-uuid="80d372c0-ed06-40ab-b388-3ecc13e9358d" data-entity-substitution="media" type="pdf" title="Nicoletti-Presentation-091824">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/beyhagh-paper-9324.pdf" data-entity-type="media" data-entity-uuid="9c89c372-5d58-4e60-86cc-526c4c5b1485" data-entity-substitution="media" type="pdf" title="Beyhagh-paper-9324"><strong>The Information Advantage of Banks: Evidence from Their Private Credit Assessments</strong></a><br><a href="/system/files/2024-09/beyhaghi-presentation-091324.pdf" data-entity-type="media" data-entity-uuid="40f27f96-81f2-4ed9-a102-9853c1cb57ec" data-entity-substitution="media" type="pdf" title="Beyhaghi-Presentation-091324">Presentation</a><br> <ul><li><strong>Mehdi Beyhaghi</strong>, Federal Reserve Board</li><li>Cooper Howes, Federal Reserve Board</li><li>Gregory Weitzner, McGill University</li></ul></li><li><a href="/system/files/2024-09/kim-hugh-paper-9324.pdf" data-entity-type="media" data-entity-uuid="5ef8d6b8-1aba-401b-9d88-42b0ce6c9cfc" data-entity-substitution="media" type="pdf" title="Kim-Hugh-Paper-9324"><strong>Bank Sentiment and Loan Loss Provisioning</strong></a><br><a href="/system/files/2024-09/kim-h-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="0bf8400d-8128-48f8-9307-2ea29de28aa4" data-entity-substitution="media" type="pdf" title="Kim-H-Presentation-091724">Presentation</a><br> <ul><li>Junsung Bae, Korea Advanced Institute of Science and Technology</li><li>Allen N. Berger, University of South Carolina</li><li>Hyun-Soo Choi, Korea Advanced Institute of Science and Technology</li><li><strong>Hugh H. Kim</strong>, University of South Carolina</li></ul></li><li><a href="/system/files/2024-09/kleymenova-paper-090324.pdf" data-entity-type="media" data-entity-uuid="44aa0581-015e-4f9a-9131-b9564f128971" data-entity-substitution="media" type="pdf" title="Kleymenova-Paper-090324"><strong>Regulatory Disclosure and Access to Credit</strong></a><br><a href="/system/files/2024-09/passalacqua-presentation-091824.pdf" data-entity-type="media" data-entity-uuid="1f50f1da-3837-44fd-b379-7b34d790a93c" data-entity-substitution="media" type="pdf" title="Passalacqua-Presentation-091824">Presentation</a><br> <ul><li>Jeffrey Jou, University of Pennsylvania</li><li>Anya Kleymenova, Federal Reserve Board</li><li><strong>Andrea Passalacqua</strong>, Georgetown University</li><li>László Sándor, Consumer Financial Protection Bureau</li><li>Rajesh Vijayaraghavan, University of British Columbia</li></ul></li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="friday-september-20-2024" class="accordion__anchor"></a> <button id="accordion-heading-112121" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-112121"> <span class="accordion__heading"> Friday, September 20, 2024 </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-112121" class="accordion__content" role="region" aria-labelledby="accordion-heading-112121" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><strong>8:00-9:00 AM</strong></td><td><strong>Registration and Continental Breakfast</strong></td></tr><tr><td><strong>9:00-9:30 AM</strong></td><td><strong>Opening Remarks</strong><br><strong>Patrick Mitchell</strong>, Director of the Division of Insurance and Research, FDIC</td></tr><tr><td><strong>9:30-10:45 AM</strong></td><td><p><strong>Paper Session 5: What Drives Depositor Heterogeneity? Customer Characteristics, Technology, and Bank Size</strong><br>Session Chair and Discussant: <strong>Philip Strahan</strong>, Boston College<br><a href="/system/files/2024-09/strahan-presentation-091824.pdf" data-entity-type="media" data-entity-uuid="08b01f8f-9a53-45ad-9926-6ab3f28089bb" data-entity-substitution="media" type="pdf" title="Strahan-Presentation-091824">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/lu-paper-091124.pdf" data-entity-type="media" data-entity-uuid="70d1a3ee-d3eb-4ed1-a5fa-2d946d1f29fa" data-entity-substitution="media" type="pdf" title="Lu-Paper-091124"><strong>The Making of an Alert Depositor: How Payment and Interest Drive Deposit Dynamics</strong></a><br><a href="/system/files/2024-09/lu-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="9901f7c2-9e24-4fef-93fc-1e03822bfb34" data-entity-substitution="media" type="pdf" title="Lu-Presentation-091724">Presentation</a><br> <ul><li><strong>Xu Lu</strong>, University of Washington</li><li>Yang Song, University of Washington</li><li>Yao Zeng, University of Pennsylvania</li></ul></li><li><a href="/system/files/2024-09/wallace-paper-091224.pdf" data-entity-type="media" data-entity-uuid="0d335952-acfe-44a4-9dfe-aef1055fab2c" data-entity-substitution="media" type="pdf" title="Wallace-Paper-091224"><strong>The Deposit Business at Large vs. Small Banks</strong></a><br><a href="/system/files/2024-09/wallace-presentation-091624.pdf" data-entity-type="media" data-entity-uuid="59641637-d1ce-40c7-ae4d-0e65048ca32d" data-entity-substitution="media" type="pdf" title="wallace-presentation-091624">Presentation</a><br> <ul><li>Adrien d’Avernas, Stockholm School of Economics</li><li>Andrea L. Eisfeldt, University of California, Los Angeles</li><li>Can Huang, University of Illinois, Urbana-Champaign</li><li>Richard Stanton, University of California, Berkeley</li><li><strong>Nancy Wallace</strong>, University of California, Berkeley</li></ul></li><li><a href="/system/files/2024-09/narayanan-paper-9324.pdf" data-entity-type="media" data-entity-uuid="62f03f32-604f-4438-908c-ff4a114e2668" data-entity-substitution="media" type="pdf" title="Narayanan-Paper-9324"><strong>Banking with Heterogeneous Depositors</strong></a><br><a href="/system/files/2024-09/narayanan-presentation-091824.pdf" data-entity-type="media" data-entity-uuid="bb072fce-7bdb-4992-8feb-6bc0ee8226e3" data-entity-substitution="media" type="pdf" title="Narayanan-Presentation-091824">Presentation</a><br> <ul><li>Dimuthu <span>Radnadiwakara</span>, <span>Federal Reserve Bank of Richmond</span></li><li><strong>Rajesh Narayanan</strong>, Louisiana State University</li></ul></li></ul></td></tr><tr><td><strong>10:45-11:15 AM</strong></td><td><strong>Break</strong></td></tr><tr><td><strong>11:15 AM-12:30 PM</strong></td><td><p><strong>Paper Session 6: Deposit Insurance, Deposit Flows, and Banking</strong><br>Session Chair and Discussant: <strong>Anjan Thakor</strong>, Washington University in St. Louis<br><a href="/system/files/2024-09/thakor-presentation-091624_0.pdf" data-entity-type="media" data-entity-uuid="2a7949e2-3bc9-474a-bd4f-d7e2f2d9cd61" data-entity-substitution="media" type="pdf" title="Thakor-Presentation-091624">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/kokas-paper-090624.pdf" data-entity-type="media" data-entity-uuid="64734792-01e4-4fad-a211-660e49282f00" data-entity-substitution="media" type="pdf" title="Kokas-Paper-090624"><strong>Distortive Effects of Deposit Insurance: Administrative Evidence from Deposit and Loan Accounts</strong></a><br> <ul><li>Dominic Cucic, Danmarks Nationalbank</li><li>Rajkamal Iyer, Imperial College London</li><li><strong>Sotirios Kokas</strong>, University of Essex</li><li>José-Luis Peydró, Imperial College London</li><li>Stefano Pica, Bank of Italy</li></ul></li><li><a href="/system/files/2024-09/shoukry-paper-090624.pdf" data-entity-type="media" data-entity-uuid="0e00b0e1-5593-4f49-89f9-8a1de1f6ae74" data-entity-substitution="media" type="pdf" title="Shoukry-Paper-090624"><strong>Deposit Insurance and Bank Funding Stability: Evidence from the TAG Program</strong></a><br><a href="/system/files/2024-09/shoukry-presentation-091824.pptx" data-entity-type="media" data-entity-uuid="56f42d11-bb93-4b13-8d38-6534f8f5ec51" data-entity-substitution="media" type="pptx" title="Shoukry-Presentation-091824">Presentation</a><br> <ul><li>Ajay Palvia, FDIC</li><li><strong>George Shoukry</strong>, FDIC</li><li>Anna-Leigh Stone, Samford University</li></ul></li><li><a href="/system/files/2024-09/kim-edward-paper-091124.pdf" data-entity-type="media" data-entity-uuid="b2021597-b491-4ffc-8627-b47363030b5a" data-entity-substitution="media" type="pdf" title="Kim-Edward-Paper-091124"><strong>The Economics of Market-Based Deposit Insurance</strong></a><br><a href="/system/files/2024-09/kim-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="38c337c2-1490-4481-aa37-e5be25b295e2" data-entity-substitution="media" type="pdf" title="Kim-Presentation-091724">Presentation</a><br> <ul><li><strong>Edward T. Kim</strong>, University of Michigan</li><li>Shohini Kundu, University of California, Los Angeles</li><li>Amiyatosh Purnanandam, University of Michigan</li></ul></li></ul></td></tr><tr><td><strong>12:30-1:45 PM</strong></td><td><strong>Lunch and Poster Presentations</strong><br> </td></tr><tr><td><strong>1:45-3:00 PM</strong></td><td><p><strong>Paper Session 7: Banks' Resilience and Financial Stability</strong><br>Session Chair and Discussant: <strong>Anna Chernobai</strong>, Syracuse University<br><a href="/system/files/2024-09/chernobai-presentation-091724.pptx" data-entity-type="media" data-entity-uuid="6655c174-a548-4f8c-83bc-67c1b2864b1d" data-entity-substitution="media" type="pptx" title="Chernobai-Presentation-091724">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/gerlatch-paper-090924.pdf" data-entity-type="media" data-entity-uuid="0aa90a9b-eb04-415d-888e-fbcc5481a0fb" data-entity-substitution="media" type="pdf" title="Gerlatch-Paper-090924"><strong>A Framework for Evaluating Banks’ Resilience in a Rising Interest Rate Environment</strong></a><br><a href="/system/files/2024-09/gerlach-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="4a6b7449-bcfe-4c96-88d1-5f70519bb3f3" data-entity-substitution="media" type="pdf" title="Gerlach-Presentation-091724">Presentation</a><br> <ul><li>Filippo Curti, Federal Reserve Bank of Richmond</li><li><strong>Jeffrey Gerlach</strong>, Federal Reserve Bank of Richmond</li></ul></li><li><a href="/system/files/2024-09/vaghefi-paper-090624.pdf" data-entity-type="media" data-entity-uuid="e3ff13ac-a78e-4e67-af74-61aad387cf73" data-entity-substitution="media" type="pdf" title="Vaghefi-Paper-090624"><strong>Bank Lending to Nonbanks: Implications for Nonbank Financial Stability</strong></a><br><a href="/system/files/2024-09/krainer-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="d2f366b6-fe97-499c-9a73-d0f86def9f99" data-entity-substitution="media" type="pdf" title="Krainer-Presentation-091724">Presentation</a><br> <ul><li>John Krainer, Federal Reserve Board</li><li><strong>Farindokht Vaghef</strong>, Federal Reserve Board</li><li>Teng Wang, Federal Reserve Board</li></ul></li><li><a href="/system/files/2024-09/jou-paper-9324.pdf" data-entity-type="media" data-entity-uuid="be6a0349-9835-43ba-9a1f-591b8a8173a6" data-entity-substitution="media" type="pdf" title="Jou-Paper-9324"><span><strong>Are Bank Mergers Bad for Financial Stability?</strong></span></a><br><a href="/system/files/2024-09/jou-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="2eda6739-5853-4fd6-982c-ea38ef282e1a" data-entity-substitution="media" type="pdf" title="Jou-Presentation-091724">Presentation</a><br> <ul><li><strong>Jeffrey Jou</strong>, University of Pennsylvania</li><li><span>Teng Wang, Federal Reserve Board</span></li><li>Jeff Zhang, University of Michigan</li></ul></li></ul></td></tr><tr><td><strong>3:00-3:30 PM</strong></td><td><strong>Break</strong></td></tr><tr><td><strong>3:30-4:30 PM</strong></td><td><p><strong>Paper Session 8: Credit Allocation and Real Effects</strong><br>Session Chair and Discussant: <strong>Janet Gao</strong>, Georgetown University<br><a href="/system/files/2024-09/gao-presentation-091823.pptx" data-entity-type="media" data-entity-uuid="ba7ce0c4-a107-431d-b6b4-fd2e9eff2628" data-entity-substitution="media" type="pptx" title="Gao-Presentation-091824">Presentation</a><br> </p><ul><li><a href="/system/files/2024-09/amornsiripanitch-paper-090424.pdf" data-entity-type="media" data-entity-uuid="6e36920a-1ef0-4823-bf54-06cf0b904a94" data-entity-substitution="media" type="pdf" title="Amornsiripanitch-paper-090424"><strong>Housing Speculation, GSEs, and Credit Market Spillovers</strong></a><br><a href="/system/files/2024-09/amornsiripanitch-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="24cd83aa-64d7-4809-a0e1-0f9e247027dc" data-entity-substitution="media" type="pdf" title="Amornsiripanitch-Presentation-091724">Presentation</a><br> <ul><li><strong>Natee Amornsiripanitch</strong>, Federal Reserve Bank of Philadelphia</li><li>Philip E. Strahan, Boston College</li><li>Song Zhang, University of Delaware</li><li>Xiang Zheng, University of Connecticut</li></ul></li><li><a href="/system/files/2024-09/zhao-paper-063024.pdf" data-entity-type="media" data-entity-uuid="d49000e6-5f70-44f4-bbae-60b0a244e62a" data-entity-substitution="media" type="pdf" title="Zhao-Paper-063024"><strong>Government Litigation Risk and the Decline in Low-Income Mortgage Lending</strong></a><br><a href="/system/files/2024-09/zhao-presentation-091724.pdf" data-entity-type="media" data-entity-uuid="6a8f6cf8-c749-42c1-9fa8-dc97dc98ff3a" data-entity-substitution="media" type="pdf" title="Zhao-Presentation-091724">Presentation</a><br> <ul><li>W. Scott Frame, Structured Finance Association</li><li>Kristopher Gerardi, Federal Reserve Bank of Atlanta</li><li>Erik J. Mayer, University of Wisconsin-Madison</li><li>Billy Y. Xu, University of Rochester</li><li><strong>Lawrence Zhao</strong>, Texas Tech University</li></ul></li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div></div> </div> </div> </div></div> </div> </article> </div> <div id="block-fdic-theme-news-last-updated-block" class="text-align-right block block-fdic-custom block-fdic-node-last-updated-block"> <p>Last Updated: September 19, 2024</p> </div> </main> </div> </div> <footer class="usa-footer usa-footer--medium" role="footer"> <div class="footer-primary"> <div class="grid-container flex-row-wrap flex-center-x flex-children-1 mobile--flex-col"> <div id="block-fdic-theme-footercontactthefdic" class="block block-block-content block-block-content1ad48bca-4eaa-42fe-9f6e-ca59046baba4"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="text-center"><p class="font-size-1p5 text-fdic-white font-title margin-bottom-1p6875 text-center 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