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Center for Financial Research

23rd Bank Research Conference Agenda

Open All

Thursday, September 19, 2024

Friday, September 20, 2024

Last Updated: September 19, 2024

8:00-9:00 AM	Registration and Continental Breakfast
9:00-9:30 AM	Opening Remarks Martin Gruenberg, Chairman of the Federal Deposit Insurance Corporation
9:30-10:45 AM	Paper Session 1: The Environment for Environmental Lending Session Chair and Discussant: Peter Tufano, Harvard University Presentation Do Banks Price Environmental Risk? Only When Local Beliefs Are Binding! Presentation Irem Erten, Warwick Business School Steven Ongena, University of Zurich Bank Competition and Strategic Adaptation to Climate Change Presentation Dasol Kim, Office of Financial Research Luke Olson, Office of Financial Research Toan Phan, Federal Reserve Bank of Richmond Banking on Deforestation: The Cost of Nonenforcement Presentation Allen N. Berger, University of South Carolina Cristina Ortega, University of Malaga Matias Ossandon Busch, CEMLA and Halle Institute for Economic Research (IWH) Raluca A. Roman, Federal Reserve Bank of Philadelphia
10:45-11:15 AM	Break
11:15-12:30 PM	Paper Session 2: Coping with Insolvency-Based Liquidity Problems Session Chair and Discussant: Mark Flannery, University of Florida Presentation Quick on the Draw: Liquidity Risk Mitigation in Failing Banks Presentation Amanda Rae Heitz, Tulane University Jeffrey Traczynski, FDIC Alexander Ufier, FDIC Investor Attention to Bank Risk during the Spring 2023 Bank Run Presentation Natalia Fischl-Lanzoni, Federal Reserve Bank of New York Martin Hiti, Federal Reserve Bank of New York Nathan Kaplan, Harvard Business School Asani Sarkar, Federal Reserve Bank of New York Revenge of the S&Ls: How Banks Lost a Half Trillion Dollars during 2022 Presentation Rebel A. Cole, Florida Atlantic University Brian Silverstein, University of South Carolina Jon R. Taylor, Michigan State University Susan M. Wachter, University of Pennsylvania Lawrence J. White, New York University
12:30-2:00 PM	Lunch and Poster Presentations Bank Capital Regulation in a Monetary Union Luigi Falasconi, University of Pennsylvania Caterina Medicino, European Central Bank Kalin Nikolov, European Central Bank Dominik Supera, Columbia Business School Old Program, New Banks: Online Banks in Small Business Lending Elizabeth Bickmore, Virginia Tech Andrew MacKinlay, Virginia Tech Yessenia Tellez, Virginia Tech Small Banks and the Recovery Advantage in Commercial Real Estate Ernesto Aldana, Clemson University The Long and Short of U.S. Bank Regulations: From the Great Depression to the 2023 Bank Failures Sami Mahmood, National University of Singapore
2:00-3:15 PM	Paper Session 3: Digital Banking to Fintech: Financial Services Innovation and AI-Driven Banking Session Chair and Discussant: Eren Kurshan, Princeton University Presentation The Digital Banking Revolution: Effects on Competition and Stability Presentation Naz Koont, Stanford University Financial Innovation and Risk: Evidence from Operational Losses at U.S. Banking Organizations Presentation W. Scott Frame, Structured Finance Association Ping McLemore, Federal Reserve Bank of Richmond Atanas Mihov, University of Kansas From Competitors to Partners: Banks’ Venture Investments in Fintech Presentation Manju Puri, Duke University Yiming Qian, University of Connecticut Xiang Zheng, University of Connecticut
3:15-3:45 PM	Break
3:45-5:00 PM	Paper Session 4: Private Information, Disclosure, and Lending Session Chair and Discussant: Allison Nicoletti, University of Pennsylvania Presentation The Information Advantage of Banks: Evidence from Their Private Credit Assessments Presentation Mehdi Beyhaghi, Federal Reserve Board Cooper Howes, Federal Reserve Board Gregory Weitzner, McGill University Bank Sentiment and Loan Loss Provisioning Presentation Junsung Bae, Korea Advanced Institute of Science and Technology Allen N. Berger, University of South Carolina Hyun-Soo Choi, Korea Advanced Institute of Science and Technology Hugh H. Kim, University of South Carolina Regulatory Disclosure and Access to Credit Presentation Jeffrey Jou, University of Pennsylvania Anya Kleymenova, Federal Reserve Board Andrea Passalacqua, Georgetown University László Sándor, Consumer Financial Protection Bureau Rajesh Vijayaraghavan, University of British Columbia

8:00-9:00 AM	Registration and Continental Breakfast
9:00-9:30 AM	Opening Remarks Patrick Mitchell, Director of the Division of Insurance and Research, FDIC
9:30-10:45 AM	Paper Session 5: What Drives Depositor Heterogeneity? Customer Characteristics, Technology, and Bank Size Session Chair and Discussant: Philip Strahan, Boston College Presentation The Making of an Alert Depositor: How Payment and Interest Drive Deposit Dynamics Presentation Xu Lu, University of Washington Yang Song, University of Washington Yao Zeng, University of Pennsylvania The Deposit Business at Large vs. Small Banks Presentation Adrien d’Avernas, Stockholm School of Economics Andrea L. Eisfeldt, University of California, Los Angeles Can Huang, University of Illinois, Urbana-Champaign Richard Stanton, University of California, Berkeley Nancy Wallace, University of California, Berkeley Banking with Heterogeneous Depositors Presentation Dimuthu Radnadiwakara, Federal Reserve Bank of Richmond Rajesh Narayanan, Louisiana State University
10:45-11:15 AM	Break
11:15 AM-12:30 PM	Paper Session 6: Deposit Insurance, Deposit Flows, and Banking Session Chair and Discussant: Anjan Thakor, Washington University in St. Louis Presentation Distortive Effects of Deposit Insurance: Administrative Evidence from Deposit and Loan Accounts Dominic Cucic, Danmarks Nationalbank Rajkamal Iyer, Imperial College London Sotirios Kokas, University of Essex José-Luis Peydró, Imperial College London Stefano Pica, Bank of Italy Deposit Insurance and Bank Funding Stability: Evidence from the TAG Program Presentation Ajay Palvia, FDIC George Shoukry, FDIC Anna-Leigh Stone, Samford University The Economics of Market-Based Deposit Insurance Presentation Edward T. Kim, University of Michigan Shohini Kundu, University of California, Los Angeles Amiyatosh Purnanandam, University of Michigan
12:30-1:45 PM	Lunch and Poster Presentations
1:45-3:00 PM	Paper Session 7: Banks' Resilience and Financial Stability Session Chair and Discussant: Anna Chernobai, Syracuse University Presentation A Framework for Evaluating Banks’ Resilience in a Rising Interest Rate Environment Presentation Filippo Curti, Federal Reserve Bank of Richmond Jeffrey Gerlach, Federal Reserve Bank of Richmond Bank Lending to Nonbanks: Implications for Nonbank Financial Stability Presentation John Krainer, Federal Reserve Board Farindokht Vaghef, Federal Reserve Board Teng Wang, Federal Reserve Board Are Bank Mergers Bad for Financial Stability? Presentation Jeffrey Jou, University of Pennsylvania Teng Wang, Federal Reserve Board Jeff Zhang, University of Michigan
3:00-3:30 PM	Break
3:30-4:30 PM	Paper Session 8: Credit Allocation and Real Effects Session Chair and Discussant: Janet Gao, Georgetown University Presentation Housing Speculation, GSEs, and Credit Market Spillovers Presentation Natee Amornsiripanitch, Federal Reserve Bank of Philadelphia Philip E. Strahan, Boston College Song Zhang, University of Delaware Xiang Zheng, University of Connecticut Government Litigation Risk and the Decline in Low-Income Mortgage Lending Presentation W. Scott Frame, Structured Finance Association Kristopher Gerardi, Federal Reserve Bank of Atlanta Erik J. Mayer, University of Wisconsin-Madison Billy Y. Xu, University of Rochester Lawrence Zhao, Texas Tech University

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