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Loan Loss Provision: Some Empirical Evidence for Italian Banks

Caporale, Guglielmo Maria; Alessi, Matteo; Colli, Stefano Di - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2015

This paper uses data from a panel of more than 400 Italian banks for the period 2001 – 2012 to examine the main determinants of loan loss provision (LLP), which are classified as either discretionary (income smoothing, capital management,signalling) or non-discretionary (related to the...

Persistent link: https://www.econbiz.de/10011196045

Mortgage Market Maturity and Homeownership Inequality among Young Households: A Five-Country Perspective

Bicakova, Alena; Sierminska, Eva - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2008

This paper uses the newly constructed Luxembourg Wealth Study data to document cross-country variation in homeownership rates and the homeownership-income inequality among young households in Finland, Germany, Italy, the UK and the US, and relate it to cross-country differences in mortgage...

Persistent link: https://www.econbiz.de/10005069036

Is Government Ownership of Banks Really Harmful to Growth?

Andrianova, Svetlana; Demetriades, Panicos; Shortland, Anja - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2010

We put forward a modern version of the 'developmental' view of government-owned banks which shows that the combination of information asymmetries and weak institutions creates scope for such banks to play a growth-promoting role. We present new cross-country evidence consistent with our...

Persistent link: https://www.econbiz.de/10008457139

Macroeconomic Uncertainty and Bank Lending: The Case of Ukraine

Talavera, Oleksandr; Tsapin, Andriy; Zholud, Oleksandr - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2006

Our study investigates the link between bank lending behavior and macroeconomic uncertainty. We develop a dynamic model of a bank's value maximization that results in a negative relationship between loan to capital ratio and macroeconomic uncertainty. This proposition is tested using a panel of...

Persistent link: https://www.econbiz.de/10005068643

Banking Competition, Good or Bad?: The Case of Promoting Micro and Small Enterprise Finance in Kazakhstan

Schäfer, Dorothea; Siliverstovs, Boriss; Terberger, Eva - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2005

Competition is claimed to be beneficial in development projects promoting micro and small enterprise finance although there are still some doubts whether these loans can be developed into a profitable business. Actually nothing is known about how many MSE banking units optimally should be...

Persistent link: https://www.econbiz.de/10005068666

How Do Insured Deposits Affect Bank Risk?: Evidence from the 2008 Emergency Economic Stabilization Act

Lambert, Claudia; Noth, Felix; Schüwer, Ulrich - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2013

This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced by the U.S. Emergency Economic Stabilization Act in October 2008, which increased the deposit insurance coverage from $100,000 to $250,000 per depositor and bank. For some...

Persistent link: https://www.econbiz.de/10011128840

Volatility Patterns of CDS, Bond and Stock Markets before and during the Financial Crisis: Evidence from Major Financial Institutions

Belke, Ansgar; Gokus, Christian - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2011

This study is motivated by the development of credit-related instruments and signals of stock price movements of large … clustering. But very few studies dealing with credit default swaps account for the characteristics of the variances. Our aim is … known shortcomings of credit ratings, the demand for market-based indicators has risen as they can help to assess the …

Persistent link: https://www.econbiz.de/10008855329

Kholodilin, Konstantin A.; Meerovich, Mark G. - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2014

The World War I played a key role in shaping modern housing policy. While in the pre-War time virtually no housing policy existed, the beginning of hostilities led to an almost immediate and comprehensive state intervention in the housing market, particularly among those engaged in the war....

Persistent link: https://www.econbiz.de/10010783991

Structuring International Financial Support for Climate Change Mitigation in Developing Countries

Neuhoff, Karsten; Fankhauser, Sam; Guerin, Emmanuel; … - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2010

In the Copenhagen Accord of December 2009, developed countries agreed to provide start-up finance for adaptation in developing countries and expressed the ambition to scale this up to $100 billion per year by 2020. The financial mechanisms to deliver this support have to be tailored to country...

Persistent link: https://www.econbiz.de/10008615359

The Market Value of Energy Efficiency in Buildings and the Mode of Tenure

Kholodilin, Konstantin A.; Michelsen, Claus - DIW Berlin (Deutsches Institut für Wirtschaftsforschung) - 2014

Concerns about global warming and growing scarcity of fossile fuels require substantial changes in energy consumption patterns and energy systems, as targeted by many countries around the world. One key element to achieve such transformation is to increase energy efficiency of the housing stock....

Persistent link: https://www.econbiz.de/10011266598