Raluca A. Roman

Federal Reserve Bank of Philadelphia

Ten Independence Mall

Philadelphia, PA 19106-1574

United States

  • Federal Reserve Bank of Philadelphia

SCHOLARLY PAPERS

21

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165

CROSSREF CITATIONS

53

Scholarly Papers (21)

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1.

Internationalization and Bank Risk

Downloads 803 ( 37,583)
Citation 29

Internationalization and Bank Risk

Management Science, Forthcoming
Number of pages: 57 Posted: 05 Nov 2014 Last Revised: 30 Jan 2016
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 637 (50,686)
Citation 4

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Risk, Internationalization, Banking, Financial Crises, Corporate Governance

Internationalization and Bank Risk

Federal Reserve Bank of Kansas City Working Paper No. 15-08
Number of pages: 56 Posted: 18 Sep 2015
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 83 (365,358)
Citation 15

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Risk, Internationalization, Banking, Financial Crises, Corporate Governance

Internationalization and Bank Risk

Federal Reserve Bank of Kansas City Working Paper No. 15-08
Number of pages: 56 Posted: 22 Nov 2015
Raluca A. Roman, Allen N. Berger, Sadok El Ghoul and Omrane Guedhami
Federal Reserve Bank of Philadelphia, University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean and University of South Carolina - Moore School of Business
Downloads 83 (365,358)
Citation 16

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Risk, Internationalization, Banking, Financial Crises, Corporate Governance

2.

Did TARP Banks Get Competitive Advantages?

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 73 Posted: 28 May 2013 Last Revised: 15 Aug 2014
Allen N. Berger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 553 (61,472)
Citation 23

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TARP, Banks, Bailouts, Capital support, Competition

3.

Lending Implications of U.S. Bank Stress Tests: Costs or Benefits?

Journal of Financial Intermediation, Forthcoming
Number of pages: 62 Posted: 24 May 2017 Last Revised: 18 Aug 2017
Viral V. Acharya, Allen N. Berger and Raluca A. Roman
New York University - Leonard N. Stern School of Business, University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 495 (70,554)
Citation 46

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Bank Stress Tests, SCAP, CCAR, Regulatory Disclosure, Lending, Risk

4.

Did TARP Reduce or Increase Systemic Risk? The Effects of Government Aid on Financial System Stability

Journal of Financial Intermediation, Forthcoming
Number of pages: 63 Posted: 30 Sep 2016 Last Revised: 12 Jan 2019
Allen N. Berger, Raluca A. Roman and John Sedunov
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Philadelphia and Villanova University - Department of Finance
Downloads 460 (77,148)
Citation 24

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Government Assistance, TARP, Banks, Systemic risk, Financial Crises.

5.

Investor Activism Effects in Banking: Is Activism Beneficial for Bank Shareholders, Creditors, and the Public?

Downloads 435 ( 82,410)

Investor Activism Effects in Banking: Is Activism Beneficial for Bank Shareholders, Creditors, and the Public?

Number of pages: 78 Posted: 24 Sep 2014 Last Revised: 09 Feb 2016
Raluca A. Roman
Federal Reserve Bank of Philadelphia
Downloads 243 (154,538)

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banking, shareholder activism, corporate governance, financial stability, financial crises

Shareholder Activism in Banking

Federal Reserve Bank of Kansas City Working Paper No. 15-09
Number of pages: 79 Posted: 18 Sep 2015
Raluca A. Roman
Federal Reserve Bank of Philadelphia
Downloads 192 (193,470)
Citation 1

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banking, shareholder activism, financial stability, financial crises

6.

Did Saving Wall Street Really Save Main Street? The Real Effects of TARP on Local Economic Conditions

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 77 Posted: 27 May 2014 Last Revised: 09 Feb 2016
Allen N. Berger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 431 (83,302)
Citation 24

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TARP, Banks, Capital Support, Economic Conditions

7.

Is a Friend in Need a Friend Indeed? How Relationship Borrowers Fare during the COVID-19 Crisis

Number of pages: 62 Posted: 28 Dec 2020 Last Revised: 25 May 2021
Allen N. Berger, Christa H. S. Bouwman, Lars Norden, Raluca A. Roman, Gregory F. Udell and Teng Wang
University of South Carolina - Darla Moore School of Business, Texas A&M University, Getulio Vargas Foundation (FGV) - Brazilian School of Public and Business Administration (EBAPE), Federal Reserve Bank of Philadelphia, Indiana University - Kelley School of Business - Department of Finance and Board of Governors of the Federal Reserve System
Downloads 347 (106,801)
Citation 2

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Banks, bank loans, relationship lending, loan contract terms, financial crises, COVID- 19, Paycheck Protection Program (PPP)

8.

The Effects of Cultural Values on Bank Failures Around the World

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 67 Posted: 25 Aug 2017 Last Revised: 08 Nov 2019
Allen N. Berger, Xinming Li, Charles Morris and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of South Carolina, Darla Moore School of Business, Department of Finance, Federal Reserve Bank of Kansas City and Federal Reserve Bank of Philadelphia
Downloads 318 (117,598)
Citation 3

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Banking, Failure, Culture, Individualism, Masculinity, Risk

9.

Bank Bailouts, Bail-Ins, or No Regulatory Intervention? A Dynamic Model and Empirical Tests of Optimal Regulation and Implications for Future Crises

Number of pages: 73 Posted: 24 May 2018 Last Revised: 27 May 2021
Allen N. Berger, Charles P. Himmelberg, Raluca A. Roman and Sergey Tsyplakov
University of South Carolina - Darla Moore School of Business, Goldman, Sachs & Co., Federal Reserve Bank of Philadelphia and University of South Carolina - Darla Moore School of Business
Downloads 268 (141,322)
Citation 7

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Banks, Bailouts, Bail-Ins, OLA, Bankruptcy, Regulation, Capital Structure, Crises

10.

Geographic Deregulation and Bank Capital Structure

Number of pages: 62 Posted: 24 May 2018 Last Revised: 02 Jan 2021
Allen N. Berger, Özde Öztekin and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Florida International University (FIU) and Federal Reserve Bank of Philadelphia
Downloads 222 (169,172)
Citation 2

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Competition, Deregulation, Banking, Capital Structure, Adjustment Speed

11.

Deregulation and Banks’ Cost of Equity Capital

Number of pages: 60 Posted: 03 Dec 2018 Last Revised: 06 Jul 2021
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 192 (193,546)

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Bank deregulation, cost of equity capital, weighted average cost of capital, risk, acquisitions, M&As.

12.

Does Efficiency Help Banks Survive and Thrive during Financial Crises?

Journal of Banking and Finance, 2019, Vol. 106, 445-460.
Number of pages: 55 Posted: 18 May 2017 Last Revised: 29 Sep 2019
Albert Assaf, Allen N. Berger, Raluca A. Roman and Mike Tsionas
University of Massachusetts Amherst, University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Philadelphia and Lancaster University
Downloads 189 (196,334)

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Banking, Efficiency, Financial Crises, Performance, Survival, Risk, Profitability

13.

Do Business Borrowers Benefit from Bank Bailouts? - The Effects of TARP on Loan Contract Terms

Number of pages: 63 Posted: 24 Feb 2016 Last Revised: 04 Jul 2017
Allen N. Berger, Tanakorn Makaew and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Securities and Exchange Commission (SEC) and Federal Reserve Bank of Philadelphia
Downloads 160 (226,571)
Citation 12

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Bailouts, TARP, Bank Loans, Loan Contracting, Contract Terms, Financial Crisis

14.

Winners and Losers from Supervisory Enforcement Actions Against Banks

Journal of Corporate Finance, Forthcoming
Number of pages: 57 Posted: 21 Feb 2017 Last Revised: 29 Sep 2019
Raluca A. Roman
Federal Reserve Bank of Philadelphia
Downloads 119 (285,891)
Citation 2

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Enforcement Actions, Bank Lending, Financial Contracting, Financial Constraints, Small Businesses

15.

Supervisory Enforcement Actions against Banks and Systemic Risk

Journal of Banking and Finance, Forthcoming
Number of pages: 57 Posted: 10 Nov 2020 Last Revised: 06 Jul 2021
Allen N. Berger, Jin Cai, Raluca A. Roman and John Sedunov
University of South Carolina - Darla Moore School of Business, Sacred Heart University, Federal Reserve Bank of Philadelphia and Villanova University - Department of Finance
Downloads 97 (328,475)

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Enforcement actions, banks, systemic risk, leverage risk, financial crises

16.

Bank Stress Test Results and Their Impact on Consumer Credit Markets

Downloads 66 (411,312)

Bank Stress Test Results and Their Impact on Consumer Credit Markets

Number of pages: 83 Posted: 05 Aug 2020
Sumit Agarwal, Xudong An, Larry Cordell and Raluca A. Roman
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 38 (533,316)

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bank stress tests, credit supply, cost of credit, credit usage, credit performance, credit cards, mortgages, home equity lines of credit

Bank Stress Test Results and Their Impact on Consumer Credit Markets

FRB of Philadelphia Working Paper No. 20-30
Number of pages: 84 Posted: 03 Aug 2020
Sumit Agarwal, Xudong An, Larry Cordell and Raluca A. Roman
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 28 (591,436)

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bank stress tests, credit supply, cost of credit, credit usage, credit performance, credit cards

17.

Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis

Number of pages: 76 Posted: 20 Apr 2021 Last Revised: 25 Apr 2021
Allen N. Berger, Christa H. S. Bouwman, Lars Norden, Raluca A. Roman, Gregory F. Udell and Teng Wang
University of South Carolina - Darla Moore School of Business, Texas A&M University, Getulio Vargas Foundation (FGV) - Brazilian School of Public and Business Administration (EBAPE), Federal Reserve Bank of Philadelphia, Indiana University - Kelley School of Business - Department of Finance and Board of Governors of the Federal Reserve System
Downloads 65 (414,541)

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Credit cards, household finance, consumers, small businesses, relationship lending, banks, credit terms, cross-sectional smoothing, financial crises, COVID-19, intertemporal smoothing

18.

Bank Size and Household Financial Sentiment - Surprising Evidence from University of Michigan Surveys of Consumers

Leeds University Business School Working Paper No. 18-13
Number of pages: 57 Posted: 24 Jun 2018 Last Revised: 20 Jan 2020
Allen N. Berger, Felix Irresberger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Durham University and Federal Reserve Bank of Philadelphia
Downloads 61 (427,979)
Citation 1

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Households, Financial Constraints, Financial Sentiment, Small Banks, Large Banks, Banking Market Structure

19.

Unexpected Effects of Bank Bailouts: Depositors Need Not Apply and Need Not Run

Number of pages: 55 Posted: 02 Dec 2020
Allen N. Berger, Martien Lamers, Raluca A. Roman and Koen J. L. Schoors
University of South Carolina - Darla Moore School of Business, Ghent University - Faculty of Economics and Business Administration, Federal Reserve Bank of Philadelphia and Ghent University - Centre for Russian International Socio-Political and Economic Studies (CERISE)
Downloads 40 (516,971)

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Bailouts, Banking, Depositor Behavior, Market Discipline, Bank Runs

20.

Bank Size and Household Financial Sentiment: Surprising Evidence from the University of Michigan Surveys of Consumers

FRB of Philadelphia Working Paper No. 19-4
Number of pages: 69 Posted: 15 Jan 2019 Last Revised: 21 Feb 2019
Allen N. Berger, Felix Irresberger and Raluca A. Roman
University of South Carolina, Durham University and Federal Reserve Bank of Philadelphia
Downloads 39 (516,971)

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households, financial sentiment, small banks, large banks, banking market structure

21.

Piercing Through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses During Normal Times and the Covid-19 Crisis

FRB of Philadelphia Working Paper No. 21-19
Number of pages: 77 Posted: 02 Jun 2021
Allen N. Berger, Christa Bouwman, Lars Norden, Raluca A. Roman, Gregory F. Udell and Teng Wang
affiliation not provided to SSRN, Texas A&M University, Getulio Vargas Foundation (FGV) - Brazilian School of Public and Business Administration (EBAPE), Federal Reserve Bank of Philadelphia, affiliation not provided to SSRN and Board of Governors of the Federal Reserve System
Downloads 4 (748,550)

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