default author photo

Nicolas de Souza

University of Rochester - Simon Business School, Students

Rochester, NY

United States

SCHOLARLY PAPERS

3

DOWNLOADS

410

TOTAL CITATIONS

0

Scholarly Papers (3)

1.

Understanding the Role of Certificates of Deposits in Bank Finance

Number of pages: 66 Posted: 28 May 2025 Last Revised: 03 Jun 2026
Nicolas de Souza
University of Rochester - Simon Business School, Students
Downloads 220 (356,192)

Abstract:

Loading...

Maturity transformation, Asymmetric information, Bank Capital Structure, Bank Runs, Deposit Insurance

2.

Opaque Assets and Fragile Liabilities: a Theory of Optimal Bank Intermediation

Number of pages: 39 Posted: 17 Nov 2025 Last Revised: 07 Jun 2026
Nicolas de Souza, Kostas Koufopoulos and Giulio Trigilia
University of Rochester - Simon Business School, Students, University of Sussex Business School and University of Rochester - Simon Business School
Downloads 138 (551,165)

Abstract:

Loading...

JEL Classification: D25, G21, G31, G32, Opacity, Fragility, Banking

3.

Deposit Diversification and the Term Structure of Bank Debt

Number of pages: 31 Posted: 15 Nov 2025 Last Revised: 07 Jun 2026
Nicolas de Souza
University of Rochester - Simon Business School, Students
Downloads 52 (1,086,013)

Abstract:

Loading...

Banks, Deposit Diversity, Opacity, Liquidity Creation, Maturity Transformation, Adverse Selection, Debt Overhang