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Soft Information and Default Prediction in Cooperative and Social Banks
Cornée, Simon - 2014
In this paper, to begin with, we define soft information as qualitative, subjective information produced by banks through the establishment of long-term lending relationships. We then highlight the importance of soft information for cooperative and social banks in the screening, pricing and...
Persistent link: https://www.econbiz.de/10013052598
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Effect of Non-Performing Assets on Operational Efficiency of Central Co-Operative Banks
Michael, Justin Nelson - 2011
Credit risk stands out as the most detrimental risk to which Banking business is exposed to. Co-operative banks which have proved to be vessels of rural development and financial inclusion, have been susceptible to credit risk throughout their history. The Prudential Norms of Income Recognition...
Persistent link: https://www.econbiz.de/10013131819
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Polish cooperative banks as net lenders in the money market
Golec, Maria Magdalena; Płuciennik, Piotr - In: E-Finanse : finansowy kwartalnik internetowy 13 (2017) 4, pp. 27-36
range of a local bank’s social influence in a given environment is highly dependent on the money transfer balance, that is …
Persistent link: https://www.econbiz.de/10011899959
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The economics of regional demarcation in banking
Raab-Kratzmeier, Simone; Welzel, Peter - 2010
such cooperative practices. There are two adjacent markets with one savings or cooperative bank being focused on each one … and one private commercial bank serving both. We find that abolishing regional demarcation indeed increases total loan … shields the private commercial bank from aggressive competition by these banks. -- banking ; competition ; cooperation : non …
Persistent link: https://www.econbiz.de/10003931316
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Determinants of banks' competitiveness in local financial markets
Kata, Ryszard - In: E-Finanse : finansowy kwartalnik internetowy 8 (2012) 1, pp. 1-13
The article presents the analysis of determinants of banks' competitiveness in local financial markets, with respect to local (cooperative) banks and branches of large commercial banks. The paper also evaluates the competitive position of the banks using the synthetic measure of competitive...
Persistent link: https://www.econbiz.de/10009576008
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Credit Unions Versus Banks : Preliminary Findings
Bernstein, David P. - 2012
Expanded use of credit unions would benefit savers, borrowers, insurance funds, taxpayers, and the financial system. Specific advantages created by the expanded use of credit unions include: higher interest rates to savers, lower interest rates to borrowers, less credit rationing during periods...
Persistent link: https://www.econbiz.de/10013116029
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The Economics of Regional Demarcation in Banking
Raab, Simone - 2011
of such cooperative practices. We study two adjacent markets comprising one savings or cooperative bank that focuses on … one market and one private commercial bank serving both. We acknowledge that savings and cooperative banks have atypical … demarcation that shields the private commercial bank from aggressive competition …
Persistent link: https://www.econbiz.de/10013122865
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Efficiency and Probability of Default in Cooperative Banking
Fiordelisi, Franco - 2013
can be concrete in time of crises. We analyze the contribution of efficiency to cooperative bank probability of default …. We estimate several measures of bank efficiency (focusing on costs, revenues, net profits, operating income …
Persistent link: https://www.econbiz.de/10013093780
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Cooperative Bank Efficiency in Japan : A Parametric Distance Function Analysis
Glass, J. Colin - 2014
This study examines the relative performance of Japanese cooperative banks between 1998 and 2009, explicitly modeling non-performing loans as an undesirable output. Three key findings emerge. First, the sector is characterized by increasing returns to scale which supports the ongoing...
Persistent link: https://www.econbiz.de/10013069144
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Do Bank Deposits Require a Special Treatment : An Analysis of the Efficiency of German Cooperative Banks
Varmaz, Armin - 2016
Banking efficiency has been one of the most often studied subjects since the introduction of Data Envelopment Analysis. However, there is no broadly accepted model specification yet. Recently a new model, particularly addressing the ambiguous role of deposits in banking, has been presented by...
Persistent link: https://www.econbiz.de/10013001412