, and credit to the private sector has risen threefold. Loan classification, provisioning, and even capital remain uneven in …

a negative shock to banks' capital/assetratio on lending standards, which in turn affect consumer credit, mortgages, and … investment). In addition, our empirical model allows for feedback from spending and income to bank capital adequacy and credit …. Hence, we trace the full credit cycle. An exogenous fall in the bank capital/asset ratio by one percentage point reduces …

credit growth experienced by these countries. We find that, on average, both bank capitalization and lending activities in … Latin America increased after Basel. Consequently, Basel did not seem to lead to an overall credit decline. However, we do … Basel II might cause greater procyclicality of credit. …

In this paper, we analyze credit growth in Sub-Saharan Africa over the past decade focusing on the post-2002 rapid … credit growth in select countries. We develop regression models of the fundamental determinants of bank credit and use them … to examine whether they can fully explain developments in rapid credit growth countries. We then argue that rapid credit …