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Determinants of the Timing of Bank Failure in North Cyprus (Günsel, Nil.)

Bibliographical information (record 265054)

Determinants of the Timing of Bank Failure in North Cyprus
Author:	Günsel, Nil. Search Author in Amazon Books
Publisher:	Emerald Group Publishing Ltd,

Edition:	2010.
Classification:	HG173
URL:	http://library.neu.edu.tr:2048/login?url=http://dx.doi.org/10.1108/15265941011012705

Detailed notes

- http://www.emeraldinsight.com/doi/abs/10.1108/15265941011012705

- Purpose: The aim of this article is to empirically investigate the determinants of the timing of bank failure in North Cyprus over the period of 1984-2002 using a discrete-time logistic survival analysis. Design/ Methodology/ Approach: The empirical methodology employed in the article allows for the determination of the factors that influence the time to bank failure. The model links the time of bank failure to a set of bank-specific factors and macro-environment that may have exacerbated the internal troubles of the financial institutions. Findings: An empirical examination of the results on survival analysis reveal that the three variables, namely low asset quality (total loan as a percentage of total assets), low liquidity (total liquid asset as a percentage of total assets) and high credit extended to the private sector (ratio of the private credit to GDP) are the main factors that explain the survival time of banks in North Cyprus. Research Implications / Limitations: For further research this paper may better distinguish time to bank failure if it extends the time period and if it uses exchange pressure from Turkey that may have a direct effect on bank failure in North Cyprus. Practical implications: Nowadays bank failure is an important problem in the world. Using time technique to investigate bank failure will help to learn the factors that determine time to bank failure, which will further help to take precautions and prevent the cost of bank failure. Originality/ Value: The analysis would appear to be the first evidence that investigate the time to bank failure in North Cyprus banking sector.