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Shifting from real estate to non-real estate lending activity: evidence on the risk and return profiles of thrift institutions


Black, Harold A and Brewer III, Elijah and Jackson III, William E. Shifting from real estate to non-real estate lending activity: evidence on the risk and return profiles of thrift institutions. The International Journal of Banking and Finance , 1 (1). pp. 95-117. ISSN 1617-722

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Abstract

In this paper we study the important period where many thrifts shifted from traditional mortgage products into consumer loan products. Specifically, we examine the impact of this move toward consumer banking on the risk and return profiles of thrift institutions. One reason given for this shift was the shrinldng margins associated with the traditional mortgage lending business of the thrift industry. Other reasons are increased competition from pure-play competitors and the increased merger activity among commercial bank enabling thrifts to market themselves as consumer banks. All of these reasons help to explain why the traditional thrift model became less viable.

Item Type: Article
Uncontrolled Keywords: consumer banking, thrift institutions, risk and return profiles
Subjects: H Social Sciences > HG Finance
Divisions: UNSPECIFIED
Depositing User: Mrs. Norazmilah Yaakub
Date Deposited: 01 Aug 2010 08:46
Last Modified: 01 Aug 2010 08:46
URI: http://repo.uum.edu.my/id/eprint/339

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