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This study empirically demonstrates a contradiction between pillar 3 of Basel norms III and the designation of Systemically Important Banks (SIBs), also known as Too Big to Fail (TBTF). The objective of this study is threefold, which has been approached in a phased manner. The first is to determine the systemic importance of the banks under study; second, to examine if market discipline exists at different levels of systemic importance of banks and lastly, to examine if the strength of market discipline varies at different levels of systemic importance.

This study is based on all the public and private sector banks operating in the Indian banking sector. The Gaussian Mixture Model algorithm has been utilized to classify banks into distinct levels of systemic importance. Thereafter, market discipline has been observed by analyzing depositors' sentiments toward banks' risk (CAMEL indicators). The analysis has been performed by employing the system Generalized Method of Moments (GMM) to estimate models with different dependent variables.

The findings affirm the existence of market discipline across all levels of systemic importance. However, the strength of market discipline varies with the systemic importance of the banks, with weak market discipline being a negative externality of the SIBs designation.

By employing the Gaussian Mixture Model algorithm to develop a framework for categorizing banks on the basis of their systemic importance, this study is the first to go beyond the conventional method as outlined by the Reserve Bank of India (RBI).

This study aims to evaluate the influence of pulsed cathodic protection on calcareous deposit formation on structures submerged in the synthetic sea water.

Chronoamperometric and C_HF methods have been used to evaluate the influence of pulsed cathodic protection on decreasing the required cathodic current for protection and also decreasing the surface coverage. The morphology of the formed deposits was evaluated using scanning electron microscopy. Chemical analyses of the formed deposits were performed using energy dispersive X‐ray spectrometer and X‐ray diffraction.

It was observed that pulse frequency influenced both the structure and the composition of the deposits. The most compact aragonite layer was obtained at high frequencies and at a high off‐time. It was clearly shown that by applying currents with less than 100 Hz frequency, the deposits formed on the sample involved CaCO₃ (aragonite) and Mg(OH)₂ (brucite). However, the kinetics of deposits formed when applying pulse current have been improved, compared to deposits formed by conventional cathodic protection. The reason is that large electrode overpotential favors nucleation through a decrease in the energy of nucleus formation. On the other hand, by intensive decrease of surface potential, repulsion of aggressive anions such as SO₄²⁻ and Cl⁻ occurs. These anions inhibit the formation of aragonite deposits.

In order to have a better investigation of electrodeposition processes in the shorter time, the use of more advanced techniques and analysis methods such as XPS is recommended. Furthermore, EHD techniques could be used for measurements of thickness of the layers.

The pulsed cathodic protection method is a relatively new method for the protection of buried and submerged structures. Recently, many researches have investigated that the influence of this technique on increasing the throwing power, decreasing interference effects on neighboring structures and increasing the uniformity of current distribution under cathodic protection.

Very little attention has been paid in the past to the effect of pulsed CP on deposit formation. The present paper, therefore, contributes useful understanding of the mechanism and advantages of such deposits in improving the effectiveness and lowering the operational cost of cathodic protection in use on offshore structures.

Discusses, in a speech given by Lauchlin Currie at the Chicago Forum of the American Institute of Banking on February 24, 1938, behavior of deposits from the viewpoint of an individual banker. Looks at some of the functions and peculiar characteristics of banking which are mainly associated with deposits. Concludes that the more accurately bankers can determine the probable variability of their deposits the more efficiently will they be able to discharge their responsibilities to their stockholders, depositors, localities and the nation at large.

The corrosion performance of zinc deposits when alloyed with d‐metals like nickel and cobalt was evaluated with special reference to heat treatment effects by conventional electrochemical methods such as potential‐time measurement and EIS. Immersion tests were also performed to substantiate the above results. The sacrificial ability of heat treated alloy deposits was examined in the context of protecting steel structures by galvanic coupling. The corrosion performance of the alloy deposits, obtained from the newly developed citrate‐based sulphate bath, was investigated in the neutral medium for instance, 3.5 per cent NaCl solution. XRD technique was employed to ascertain the desired phase formation of the alloy structure and the elemental analysis was performed by means of EDAX analyser in order to substantiate the XRD findings. Light microscopic examination was carried out on the deposits with and without heat treatment in order to study the surface character of these deposits. The microstructure of the alloy deposits was also examined by SEM.

This paper aims to develop a novel approach to Islamic deposit insurance, specifically addressing the deficiencies in the current prevailing models of Islamic deposit insurance.

The analysis in this paper adopts a qualitative content analysis approach to review the existing literature on Islamic deposit insurance and propose a new model.

The proposed model includes a revised scheme. In the event of a bank failure, the funds used to reimburse depositors of the failed bank are divided into two distinct categories. The first category includes nonrepayable premiums that have been previously paid by the failed bank and managed by the Islamic deposit insurance agency or Islamic deposit insurance corporation. The second category comprises qard hasan, an interest-free loan provided by the Islamic deposit insurance agency or Islamic deposit insurance corporation using the deposit insurance funds from the collective pool of premiums of other banks.

The proposed model ensures that well-managed banks are not unfairly burdened by the failures of their poorly managed counterparts, thus preventing a sense of unfairness and inefficiency. Implementing the proposed model may result in higher business practices and risk management standards, ultimately leading to better depositors’ protection and banking system’s stability.

This paper offers a significant contribution to the limited literature on Islamic deposit insurance. The proposed model enriches the discourse and offers valuable insights for the future development of Islamic banking.

Certificates of deposit (CDs) are uninsured deposits that have not been protected by the Japan Deposit Insurance Corporation (DIC) since the beginning of the issuance in May 1979. Thus, CDs should reflect exceedingly well banks’ failure probabilities and the risk perception of market participants among many types of depositors in Japan. Because of this, CDs issued by Japanese banks may enhance the market discipline of banking organizations. This is the first chapter to test the depositor discipline hypothesis using Japanese bank data from the financial year 1998 to the financial year 2003 . The chapter develops reduced-form models that describe how interest rates and the quantity of CDs may be related to banks’ financial measures. Among the Japanese CAMEL ratings, the chapter finds that CD interest rates are sensitive to the capital adequacy ratio (CAR) and that CD quantities are sensitive to ROA. The chapter also insists that CD holders in Japan are sensitive to bank risks and exercise disciplinary power to impose market discipline that compliments regulatory discipline.

A full Edgeworth cycle of deposit rate is divided into two phases: an “overcutting cycle” in which the banks battle for deposits, and a “relenting cycle” in which the banks cease battling and instead choose to restore a temporarily low deposit rate. Such strategies have two testable implications on overall market movements. First, deposit rate decreases are more likely to be initiated when the deposit rate is near the upper bound of a cycle. Second, deposit rate decreases are more sensitive than increases to market interest rate changes. This chapter empirically confirms this pattern and shows strong evidence for the presence of Edgeworth cycles in deposit rates after Hong Kong’s interest rate deregulation.

We examine the link between oil production and bank deposits in North Dakota’s Bakken oil formation. We find that oil production is positively related to bank deposits, even in the presence of gas production, farm production, the level of interest rates, and the term premium of interest rates. The effect is significant even when we “purge” the effect of the other variables from oil production, which indicates a strong relationship between oil production and bank deposits.

The financial crisis that hit countries worldwide in 2007 tested and tried deposit guarantee schemes (DGSs) and their ability to protect consumers’ bank deposits. The crisis also served as a reality check for regulators, institutions and the general public alike. Against this backdrop, there was a significant rationale by governments and regulators to protect consumers and at the same time maintain financial stability through expansion of coverage offered in existing DGS arrangements or setting up such a scheme where this was not already in place.

Consumers need other possible safety net in addition to the already set-up lender-of-last resort facilities provided by central banks, banking supervision regulations, assistance granted by international institutions such as the International Monetary Fund and European Central Bank and also the recently enacted EU Bank Recovery and Resolution Directive (BRRD).

In this chapter the authors evaluated whether the launch of a European Deposit Insurance Scheme (EDIS) as a single deposit guarantee in Europe which is now being recognised as one of the three main pillars, together with the single supervisory and resolution mechanisms, would enhance depositors’ protection in times of banking crisis and also reinforce financial stability in the EU as part of the proposed Banking Union.

The chapter made reference to academic literature and also recent EDIS political dossier to outline the developments. Apart from political insensitivity to the proposed EDIS, the chapter also concluded that the introduction of EDIS raises questions about moral hazard amongst banks in the EU, issues on bank’s contributions during the transition period and difficulty in comparing banks across EU countries through banks’ deposits and risk profiles.

Fair value issues remain central to the pace of convergence in international accounting standards. This article identifies a fundamental issue at the root of the fair value debate, places the issue in an international and historical context, and recommends that standard-setters work to rationalize principles of accounting for money.