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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

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FDIC Banking Review

1999 - Vol. 12, No. 1


  Donna Tanoue

Division of Research
and Statistics,

Wm. Roger Watson

Deputy Directors

Barry Kolatch
Steven A. Seelig


Steven A. Seelig

Editorial Committee

Jack T. Reidhill
Detta Voesar

Managing Editor

  Detta Voesar

Editorial Secretary

  Cathy Wright

Design and Production

  Geri Bonebrake

The Federal Safety Net, Banking Subsidies, and Implications for Financial Modernization
(222kb PDF File - PDF help or hard copy)

by Kenneth Jones and Barry Kolach

This article examines whether there is a subsidy to banks from the federal safety net.  The authors also discuss the public-policy implications of their findings with respect to the debate on financial modernization.

Internal Risk-Management Models as a Basis for Capital Requirements
(168kb PDF File - PDF help or hard copy)

by Daniel A. Nuxoll

The author describes the Value at Risk models in use and discusses their limitations, especially in setting capital requirements.

Recent Developments Affecting Depository Institutions
(124kb PDF File - PDF help or hard copy)

by Lynne Montgomery

This regular feature of the FDIC Banking Review contains information on regulatory agency actions, state legislation and regulation, and articles and studies pertinent to banking and deposit insurance issues.

Banking Review - 1999 Vol. 12 No. 1, Full Edition
(607kb PDF File - PDF help or hard copy)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation.  Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited.  Please provide the FDIC's Division of Research and Statistics with a copy of any publications containing reprinted material.

Single-copy subscriptions are available to the public free of charge.  Requests for subscriptions, back issues or address changes should be mailed to:  FDIC Banking Review, Office of Corporate Communications, Federal Deposit Insurance Corporation, 550 17th Street, N.W., Washington, DC  20429.

Last Updated 10/12/1999 Questions, Suggestions & Requests

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