, 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 …

We classify a large sample of banks according to the geographic diversification of their international syndicated loan … source of funding, while foreign banks with little diversification are the most fickle. Our findings suggest that the decline …

This paper analyzes the relationship between the quality of the commercial credit portfolio and diversification in the …-banking) is used, which allows to consider three potential dimensions of diversification: per productive sector, per province and … per client. In addition to characterizing the financial entities’ diversification decisions during the period under …

banks do not use diversification to operate at a constant level of risk-return efficiency, which implies that banks are not …Should banks be diversified or focused? Does diversification indeed lead to increased performance and therefore greater … between banks' profitability and their portfolio diversification across different industries, broader economic sectors and …

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

similar to the high average efficiency of the largest bank lenders - a conclusion that may not be applicable to other fintech …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 …