Abstract We show that lenders charge higher interest rates for mortgages on properties exposed to a greater risk of sea level rise (SLR). This SLR premium is not evident in short-term loans and related borrowers’ realized default or creditworthiness. Further, the smaller when consequences climate change are less salient areas with more deniers. Overall, our results suggest mortgage view as long-term attention beliefs potential barriers through which priced residential markets.

We exploit variation in the cultural heritage across U.S. CEOs who are children or grandchildren of immigrants to demonstrate that origins matter for corporate outcomes. Following shocks industry competition, firms led by second- third-generation associated with a 6.2% higher profitability compared average firm. This effect weakens over successive immigrant generations and cannot be detected top executives apart from CEO. Additional analysis attributes this various values prevail CEO's...

Abstract Manuscript Type Empirical Research Question/Issue This study seeks to understand how the characteristics of executive directors affect market performance US banks. To explore expected effects linked characteristics, we measure any changes in valuation banks announcements appointments. Findings/Insights Our has two important findings. First, show that age, education, and prior work experience executives create shareholder wealth while gender is not measurable value effects. Second,...

Abstract Using comprehensive corporate and retail loan data, we show that the culture of banks explains their risk‐taking behaviour. Banks whose leans towards aggressive competition are associated with riskier lending practices: higher approval rate, lower borrower quality, fewer covenant requirements. Consequently, these incur larger losses make greater contributions to systemic risk. The opposite behaviour is observed among emphasizes control safety. Our findings cannot be explained by...

We study regulatory enforcement actions issued against US banks to show that both board monitoring and advising are effective in preventing misconduct by banks. While better boards prevents all categories of misconduct, a technical nature. Board increases the likelihood is detected, penalties imposed on CEO, alleviates shareholder wealth losses following detection regulators. Our article offers novel insights how structure bank prevent misconduct.

Abstract Banks open more branches and make lending near their CEOs’ childhood hometowns. The effects are stronger among informationally opaque borrowers CEOs who spend time in Furthermore, loans originated hometowns contain soft information have lower ex post default rates, implying that hometown informed. Hometown does not affect aggregate bank outcomes, suggesting credit is being reallocated from regions located farther away to proximate

We examine the contractual implications of a lender’s trust for corporate loans. measure how trusting lender is using average attitude in chief executive officer’s ancestral country origin. find that banks with CEOs charge lower interest rates U.S. syndicated This effect identified within existing lender–borrower relationships and similar types Further analyses indicate reduces cost credit by boosting perceived credibility borrower information mitigating contracting problems. corroborate our...

We present Class-agnostic Repetitive action Counting (CaRaCount), a novel approach to count repetitive human actions in the wild using wearable devices time series data. CaRaCount is first few-shot class-agnostic method, being able repetitions of any class with only short exemplar data sequence containing few examples from interest. To develop and evaluate this we collect large-scale dataset various context, smartwatch 10 subjects performing 50 different activities. Experiments on three...

Abstract This study focuses on the synthesis of superabsorbent polymers (SAP) from jackfruit seed starch and acrylic monomers using frontal polymerization (FP) method. Acrylic acid acrylamide were grafted onto with varying initiator contents (0.5, 0.75, 1, 1.5 wt%) in presence MBA as a crosslinker (0.1 wt% relative to AA) produce polymers. The effect external heat source temperature was also investigated. Utilizing an at 1200°C PPS content 1%, resulted SAPs JFSS-g-AA JFSS-g-AM water...

Abstract Using three exogenous shocks to ex ante litigation risk, including federal judge ideology and two influential judicial precedents, we find that lower shareholder risk reduces a firm’s propensity delist from the U.S. stock markets. The effect is at least partially driven by indirect costs of being private firm can significantly reduce threat litigation. Overall, results suggest mitigating excessive for public firms crucial ensure continued vibrancy market.

Biomass energy plays an essential role in renewable for many reasons, such as reducing the dependence on fossil fuels and lowering greenhouse gas emissions, providing heat, electricity, biofuels various applications, utilizing waste materials helpful products. Besides, it can create employment opportunities promote rural development, especially developing countries where biomass resources are abundant accessible. In context of research application, this paper aims to develop a...

This paper addresses the task of counting human actions interest using sensor data from wearable devices. We propose a novel exemplar-based framework, allowing users to provide exemplars they want count by vocalizing predefined sounds ``one'', ``two'', and ``three''. Our method first localizes temporal positions these utterances audio sequence. These serve as basis for identifying representing action class interest. A similarity map is then computed between entire sequence, which further fed...

We show that lenders charge higher interest rates for mortgages on properties exposed to a greater risk of sea level rise (SLR). This SLR premium is not evident in short-term loans and related borrowers’ realized default or creditworthiness. Further, the smaller when consequences climate change are less salient areas with more deniers. Overall, our results suggest mortgage view as long term risk, attention beliefs potential barriers through which priced residential markets.

We study whether two key functions of bank boards, monitoring and advising, are effective in preventing misconduct banks. use regulatory enforcement actions issued against US banks to identify that engage misconduct. rely on metrics related the social connections directors measure board advising. Board is defined as fraction who appointed before current CEO takes office. advising calculated based total establish with other boards.

Abstract This paper shows that a firm's likelihood of committing corporate fraud is affected by the local information environment. We use density bank branch networks as proxy for show denser increase detection, accelerate detection fraud, and decrease propensity firms. Our results cannot be explained clustering firms in urban areas, geographic proximity to regulators, or other location effects. Overall, our study identifies spatial dimension prevention fraud.

Accurate prediction of binding free energy changes upon mutations is vital for optimizing drugs, designing proteins, understanding genetic diseases, and cost-effective virtual screening. While machine learning methods show promise in this domain, achieving accuracy generalization across diverse data sets remains a challenge. This study introduces Geometric Graph Learning Protein–Protein Interactions (GGL-PPI), novel approach integrating geometric graph representation to forecast...

This study seeks to understand how executive director heterogeneity affects the performance of US banks. To measure expected effects linked heterogeneity, we compute changes in market valuation banks announcements appointments. Our uncovers two important findings. First, show that age, education and prior work experience create shareholder wealth while gender is not measurable value effects. Second, are moderated by level influence incoming directors, with magnitude diminished under...

Abstract We use the staggered introduction of new flight routes to identify reductions in travel time between banks’ headquarters and branches examine their effects on branch outputs efficiency. Reductions headquarters–branch increases branch‐level mortgage origination volume, these loans exhibit higher ex post performance. Further analyses suggest are due employees working harder more efficiently seeking customers screening applications. Overall, our results imply that geographic proximity...