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6 th IADI Annual Conference. Close Encounters with Bank Runs. Ray B. Dawn Chairman CDIC (Taiwan) Nov. 1, 2007. Contents. The Way We Were Apocalypse Now The Day After Tomorrow. The Way We Were. History Has It. Source: www.answers.com/topic/bank-run

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Close encounters with bank runs l.jpg

6th IADI

Annual Conference

Close Encounters with Bank Runs

Ray B. Dawn

Chairman

CDIC (Taiwan)

Nov. 1, 2007


Contents l.jpg
Contents

The Way We Were

Apocalypse Now

The Day After Tomorrow



History has it l.jpg
History Has It

Source: www.answers.com/topic/bank-run

CREATED/PUBLISHED: Cin'ti ; N.Y. : Strobridge Lith. Co., c1895. CREATOR: Strobridge & Co. Lith.



Depositors at a failed bank in taiwan jan 2007 l.jpg
Depositors at a Failed Bank in Taiwan(Jan. 2007)

Source: CDIC (Taiwan)


Cdic staff tried to control the run jan 2007 l.jpg
CDIC Staff Tried to Control the Run (Jan, 2007)

Source: CDIC (Taiwan)


Piles of money to be withdrawn jan 2007 l.jpg
Piles of Money to be Withdrawn (Jan, 2007)

Source: CDIC (Taiwan)



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Bank Runs in Taiwan

Source: CDIC (Taiwan)


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Some Bank Runs Are More Serious Than Others

Source: CDIC (Taiwan)


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Bank Runs Can Be Contagious

Source: CDIC (Taiwan)


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People Barely Learnt from History

Source: CDIC (Taiwan)




Paces of deposit depletion 2006 2007 l.jpg

% Bank (2007/1/5 as 100)

%

Bank K

Bank L

D-day

D-day

D-20

D-15

D-10

D-5

D+5

D+10

D+15

D-20

D-15

D-10

D-5

D+5

D+10

D+15

%

%

Bank M

Bank N

D-day

D-day

D-20

D-15

D-10

D-5

D+5

D+10

D+15

D-20

D-15

D-10

D-5

D+5

D+10

D+15

Paces of Deposit Depletion(2006 & 2007)

Note: D-day means the day CDIC took over the FI under the instruction of FSC.

Source: CDIC (Taiwan)


Passbook deposits took the hit 2007 l.jpg
Passbook Deposits Took the Hit (2007) Bank (2007/1/5 as 100)

Checking Accounts

Passbook Deposits

Time Deposits


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Individuals at the Gate Bank (2007/1/5 as 100)

Institutions

Individuals


Slide19 l.jpg

Female Depositors Seemed Bank (2007/1/5 as 100)More Concerned

Female

Male


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The Mid-Age Appeared More Cautious Bank (2007/1/5 as 100)

Below 20

20-29

30-39

40-49

50-59

Above 60


Slide21 l.jpg

Small Depositors Were Prone to Panic Bank (2007/1/5 as 100)

Below NTD 1 million

Above NTD 1 million


Apocalypse now l.jpg
Apocalypse Now Bank (2007/1/5 as 100)


From main street to wall street l.jpg
From Main Street to Wall Street Bank (2007/1/5 as 100)



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Volatile Stock Markets in 2007 Bank (2007/1/5 as 100)(2007/1/2 as 100)


Central banks to the rescue aug 9 16 l.jpg
Central Banks to the Rescue Bank (2007/1/5 as 100)(Aug. 9~16)

Source: Reuters


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Run on a British Bank Bank (2007/1/5 as 100)


Let the finger pointing begin l.jpg
Let the Finger-Pointing Begin Bank (2007/1/5 as 100)

Source: http://money.cnn.com/galleries/2007/fortune/0709/gallery.subprime_blame.fortune/index.html


The day after tomorrow l.jpg
The Day After Tomorrow Bank (2007/1/5 as 100)


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What’s Next ? Bank (2007/1/5 as 100)

  • The Roles of DIs and IADI

  • Cooperation among Safety Net Players Across Borders

  • Insurance Schemes for Direct Financing?

  • Liquidity Adequacy vs. Capital Adequacy?


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Thank You Bank (2007/1/5 as 100)


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