, a minimum ratio that represents best-practice lending given the volume and composition of a bank's loans, the average … concentration; and, second, a ratio, the difference between the bank's observed ratio of nonperforming loans and the best …-practice minimum ratio, that represents the bank's proficiency at loan making. The best-practice ratio of nonperforming loans, the …

: first, a minimum ratio that represents best-practice lending given the volume and composition of a bank's loans, the average … concentration; second, a ratio, the difference between the bank's observed ratio of nonperforming loans, adjusted for statistical … noise, and the best-practice minimum ratio, that represents the bank's proficiency at loan making; third, a statistical …

Using 2013 and 2016 data, we compare the performance of unsecured consumer loans made by U.S. bank holding companies to … ratio, adjusted for statistical noise, and the minimum ratio gauges lending inefficiency. In 2013 and 2016, the largest bank … similar to the high average efficiency of the largest bank lenders - a conclusion that may not be applicable to other fintech …

within the community bank segment, larger community banks outperform smaller community banks. Our findings, taken as a whole …

entry into retail niches and which, in turn, dampen bank markups. In the second part of the paper, I develop a general … financial sector increases the volatility of real variables and amplifies the business cycle. I interpret this bank …

countries and over the years. The statistical results indicated that while some differences in bank behavior as indicated by the …. European bank behavior gave evidence of being in harmony and uniform over countries and years. Some policy implications are …