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On harnessing the potential of financial inclusion
Dittus, Peter; Klein, Michael - Bank for International Settlements (BIS) - 2011
The development of information and communications technology is opening up the opportunity for providing essential financial services to most people. Indeed, many mobile money or branchless banking schemes are currently spreading across the world. However, these schemes can only be sustainable...
Persistent link: https://www.econbiz.de/10009643433
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Should banks be diversified? Evidence from individual bank loan portfolios
Hasan, Iftekhar; Saunders, Anthony; Acharya, Viral V. - Bank for International Settlements (BIS) - 2002
We study empirically the effect of focus (specialization) vs. diversification on the return and the risk of banks using …) focus and diversification using a unique data set that is able to identify individual bank loan exposures to different … bank return while endogenously producing riskier loans for all banks in our sample (this effect being most powerful for …
Persistent link: https://www.econbiz.de/10005063334