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The relationship between risk-taking...

Ellington, Joy E.

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The relationship between risk-taking and performance in community banks.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	The relationship between risk-taking and performance in community banks./
作者:	Ellington, Joy E.
面頁冊數:	147 p.
附註:	Source: Dissertation Abstracts International, Volume: 77-06(E), Section: A.
Contained By:	Dissertation Abstracts International77-06A(E).
標題:	Banking. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3746806
ISBN:	9781339403366

The relationship between risk-taking and performance in community banks.
Ellington, Joy E.

The relationship between risk-taking and performance in community banks. - 147 p.

Source: Dissertation Abstracts International, Volume: 77-06(E), Section: A.

Thesis (D.B.A.)--Capella University, 2015.

The present research study examined the relationship between performance and risk-taking behavior within the community-banking sector. Risk-taking behavior challenges the commercial banking industry (Hughes & Mester, 2012). Furthermore, risk-taking behavior and performance continues to elicit discussion in finance, strategic management, behavioral economics, and risk & uncertainty literature. The characteristics related to risk-taking behavior among small banks lack in-depth examinations in banking literature, specifically from a behavioral framework perspective. Prospect theory challenges the traditional finance assumptions of expected utility theory (EUT) and provides a testable behavioral framework to predict risk-taking behavior. Therefore, the aim of this study was to gain insight into the influence of performance on risk-taking behavior by testing the applicability of prospect theory. This study utilized a quantitative methodology in a cross-sectional correlation research design to examine the relationship between performance and risk-taking behavior for the period of 1994 through 2014. The sampling frame and data analysis consisted of secondary data for 787 community banks (assets $1 billion and less) located within the southeast region (7 states) of the United States. Prospect theory postulates changes in wealth (below target) influences risk-taking behavior. Following previous research, performance measures such as return on assets (ROA), return on equity (ROE), capital adequacy (CAP), and the distance from target were used in the Kendall's tau analysis to determine the statistical correlation. Bank managers, shareholders, and regulators have an interest in the performance of financial institutions as it relates to ROA, ROE, and CAP respectively (Johnson, 1994). The findings of the study suggested the relationship between performance and risk-taking behavior were statistically weak. However, in conclusion, further research may prove the viability of prospect theory as an ancillary alternative to monitoring risk-taking behavior in the banking industry.

ISBN: 9781339403366Subjects--Topical Terms:

1557594
Banking.

The relationship between risk-taking and performance in community banks.
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