João A.C. Santos

Joao Santos

Senior Vice President – Policy Leader for Microprudential Supervision
Financial Intermediation Function
Federal Reserve Bank of New York
33 Liberty Street
New York, NY 10045

Phone (212) 720-5583
Fax (212) 720-8363
joao.santos@ny.frb.org

   
Why Do Banks Target ROE?
With George Pennacchi
Federal Reserve Bank of New York Staff Reports 855, June 2018

The Cost of Bank Regulatory Capital
With Matthew C. Plosser
Federal Reserve Bank of New York Staff Reports 853, June 2018

Bank capital, borrower power, and loan rates
With Andy Winton

The Cost of Regulatory Bank Capital
With Matt Plosser

Why do Banks Target ROE?
With George Pennacchi

Ratings-Based Regulation and Systematic Risk Incentives
With Giuliano Iannotta and George Pennacchi

Non-bank investors and loan renegotiations
With Teodora Paligorova

A Theory of Collateral for the LLR
With Dong Choi and Tanju Yorulmazer

The survival of start-ups: Do their funding choices and bank relationships at birth matter?
With Luisa Farinha
Read the full text in SSRN››

Endogenous financial fragility and bank regulation
With Charlie Kahn
Read the full text in SSRN››

Cross Selling and Banking Efficiency
With Luis Cabral
Read the full text in SSRN››

Joao Santos's CVPDF

The views expressed in the papers listed on this page are those of the author(s) and do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System.