This paper investigates the determinants of commercial banks' own internal capital targets and potential sensitivity of … these levels to the business cycle . World-wide results make clear that banks' own risk is only slightly dependent on the … business cycle. Banks tend to hold substantial capital buffers on top of minimum requirements, reflecting that they hold …

analyse how capital requirements a.ect the pro.tability of two banks that compete as Cournot duopolists on a market for loans …. Bank management of both banks choose optimal levels of loans provided, equity ratio and e.ort to reduce loan losses so as … that both banks would also never default in the absence of regulation, mild capital requirements can be bene.cial as they …

requirement is not discriminating enough to give banks proper incentives. …

analyse how capital requirements affect the profitability of two banks that compete as Cournet duopolists on a market for … loans. Bank management of both banks choose optimal levels of loans provided, equity ratio and effort to reduce loan losses … so as to maximise profits. From the regulator's point of view, the free market solution is not optimal as private banks …

In a dynamic framework banks compete for customers by setting lending conditions for the loans they supply, taking into … lead commercial banks to set more stringent loan conditions to their customers, and we show that increased competition in … the banking industry leads banks to behave more risky. In this model we also look at risk-adjusted capital requirements …

In a dynamic framework banks compete for customers by setting lending conditions for the loans they supply, taking into … lead commercial banks to set more stringent loan conditions to their customers, and we show that increased competition in … the banking in- dustry leads banks to behave more risky. In this model we also look at risk-adjusted capital requirements …

and conduct. In particular, this study focuses on differences across countries, variously sized banks (reflecting distinct … observed large spreads in inefficiencies and cost levels across countries and individual banks indicate that the process of … scaling up and rationalisation to be prepared for increased foreign competition, has - for at least part of the banks - only …