shares of fee income since by expanding into non-traditional businesses the bank needs more capital to prevent the potential … be possibly attributed to relatively high switching costs and to close relationship between depositor and bank in the EU …

Using the 1998 Survey of Small Business Finances and banking data to produce a bank-firm match, the author tests for … evidence of standardized versus relationship lending methods in both total bank credit as well as credit emanating from the … firm’s most important source of financial services, its primary bank. The author employs a two-step Heckman procedure to …

point per annum. Economic output is mainly affected by an increase in bank lending spreads as banks pass a rise in bank … Tier 1 capital ratio) could increase bank lending spreads by about 50 basis points. The estimated effects on GDP growth …

carried out a pilot test of an innovative psychometric tool aimed at evaluating credit risk among SME clients of Banco Ciudad … de Buenos Aires (BCBA), one of the top three public banks of Argentina. SME responses were compared to their historical … repayment records to determine if psychometric-based credit scoring models could help ameliorate the constraints to SME finance …

The effects of monetary policy depend significantly on the capacity of the Central Bank to affect market interest rates … and deposit rates to changes in policy rates. In this sense, there is a vast literature that explores sluggishness on bank … banking industry and its relation with market concentration and bank characteristics. The results support the fact that higher …