Raluca A. Roman

Federal Reserve Bank of Philadelphia

Ten Independence Mall

Philadelphia, PA 19106-1574

United States

  • Federal Reserve Bank of Philadelphia

SCHOLARLY PAPERS

15

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Scholarly Papers (15)

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1.

Internationalization and Bank Risk

Downloads 704 ( 34,516)

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 571 (45,058)

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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 68 (331,136)

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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 65 (339,320)

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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 517 (51,799)

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TARP, Banks, Bailouts, Capital support, Competition

3.

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 398 (71,467)

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

4.

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 393 (72,514)
Citation 1

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TARP, Banks, Capital Support, Economic Conditions

5.

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

Downloads 366 ( 78,800)

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 226 (131,735)

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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 140 (202,753)

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banking, shareholder activism, financial stability, financial crises

6.

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 346 (84,130)

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

7.

Does Efficiency Help Banks Survive and Thrive during Financial Crises?

Number of pages: 48 Posted: 18 May 2017 Last Revised: 15 Jul 2017
Albert Assaf, Allen N. Berger, Raluca A. Roman and Efthymios G. Tsionas
University of Massachusetts Amherst, University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Philadelphia and Lancaster University
Downloads 142 (199,910)

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

8.

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 141 (200,987)

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

9.

The Effects of Cultural Values on Bank Failures Around the World

Number of pages: 60 Posted: 25 Aug 2017 Last Revised: 12 Nov 2018
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 120 (227,999)

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Banking, Failure, Culture, Individualism, Masculinity, Risk

10.

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

Number of pages: 69 Posted: 24 May 2018 Last Revised: 21 May 2019
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 115 (235,266)

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

11.

How Does Competition Affect Bank Capital Structure? Evidence From a Natural Experiment

Number of pages: 70 Posted: 24 May 2018 Last Revised: 21 Feb 2019
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 110 (242,874)

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Competition, Deregulation, Banking, Capital Structure, Adjustment Speed

12.

Winners and Losers from Supervisory Enforcement Actions against Banks

Number of pages: 70 Posted: 21 Feb 2017 Last Revised: 27 Nov 2018
Raluca A. Roman
Federal Reserve Bank of Philadelphia
Downloads 101 (257,776)

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Enforcement Actions, Bank Lending, Financial Contracting, Financial Constraints

13.

Competition and Banks’ Cost of Equity Capital: Evidence from Relatively Exogenous Differences in Regulation

Number of pages: 57 Posted: 03 Dec 2018
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 58 (354,770)

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Banking, Competition, Deregulation, Cost of Equity Capital, Weighted Average Cost of Capital, Risk, Acquisitions, M&As

14.

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: 05 Dec 2018
Allen N. Berger, Felix Irresberger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Leeds - Leeds University Business School (LUBS) and Federal Reserve Bank of Philadelphia
Downloads 38 (422,907)

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

15.

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, University of Leeds - Leeds University Business School (LUBS) and Federal Reserve Bank of Philadelphia
Downloads 17 (526,995)

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