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Are Banks Risk-averse? - College of the Holy Cross - college holycross

Are Banks Risk-averse? - College of the Holy Cross - college holycross 2025

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The document investigates whether banks exhibit risk-averse behavior, particularly in relation to their management of interest-rate risk stemming from maturity mismatches between assets and liabilities. It presents empirical evidence suggesting that banks are moderately risk-averse, with average relative risk aversion coefficients estimated around 0.2, indicating a tendency towards risk neutrality. The study also explores the dynamics of deposit rates, specifically the greater flexibility of certificate of deposit (CD) rates compared to money market deposit account (MMDA) rates, linking this phenomenon to banks' risk preferences and duration matching strategies.

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Social Opportunities Holy Cross is a bar school and a house party school.

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College of the Holy Cross is a private institution that was founded in 1843. In the 2025 edition of Best Colleges, College of the Holy Cross is ranked No. #28 in National Liberal Arts Colleges.

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The institution is considered an elite school and is one of the six colleges that are said to rival the Ivy League in terms of academic excellence.

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Holy Cross is a highly selective, four-year, undergraduate, liberal arts institution and is ranked among the nations leading four year liberal arts colleges.