Raluca A. Roman

Federal Reserve Bank of Philadelphia

Ten Independence Mall

Philadelphia, PA 19106-1574

United States

  • Federal Reserve Bank of Philadelphia

SCHOLARLY PAPERS

16

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SSRN CITATIONS
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Top 7,540

in Total Papers Citations

107

CROSSREF CITATIONS

48

Scholarly Papers (16)

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1.

Internationalization and Bank Risk

Downloads 756 ( 35,642)
Citation 19

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 605 (47,397)
Citation 3

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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 76 (345,721)
Citation 8

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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 75 (348,503)
Citation 13

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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 543 (55,144)
Citation 19

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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 437 (72,170)
Citation 24

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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 435 (72,567)
Citation 20

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

5.

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 417 (76,343)
Citation 23

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TARP, Banks, Capital Support, Economic Conditions

6.

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

Downloads 407 ( 78,545)

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 238 (140,315)

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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 169 (193,158)
Citation 1

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banking, shareholder activism, financial stability, financial crises

7.

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 221 (151,305)

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Banking, Failure, Culture, Individualism, Masculinity, Risk

8.

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

Number of pages: 70 Posted: 24 May 2018 Last Revised: 21 Jan 2020
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 209 (159,407)
Citation 3

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

9.

Geographic Deregulation and Bank Capital Structure

Number of pages: 74 Posted: 24 May 2018 Last Revised: 17 Mar 2020
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 188 (176,646)

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Competition, Deregulation, Banking, Capital Structure, Adjustment Speed

10.

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 176 (186,372)
Citation 2

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

11.

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 152 (211,149)
Citation 11

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

12.

Deregulation and Banks’ Cost of Equity Capital

Number of pages: 60 Posted: 03 Dec 2018 Last Revised: 12 Jun 2020
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 123 (251,103)

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

13.

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 116 (260,582)
Citation 1

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

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: 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 56 (401,225)
Citation 1

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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, Durham University and Federal Reserve Bank of Philadelphia
Downloads 31 (502,772)

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

16.

Bank Stress Test Results and Their Impact on Consumer Credit Markets

Downloads 10 (662,794)

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 8 (699,390)

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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 2 (742,427)

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