In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and … transaction bank. These selection effects are stronger in more competitive markets, as predicted by theory. However, while … banks. As a consequence, relationship banks do not have higher credit risk levels. Loan officers at relationship banks thus …

create dependency between bank leverage and risk. Using a large international sample of banks this paper estimates the short … and long run effects of corporate income taxes (CIT) on bank capital structure and portfolio risk accounting for their ….8-1.4 percentage points in bank leverage and a 2-7-percentage point reduction in the average risk-weight of assets. While the estimated …

bank debt for downside risk” bias against the banks. A stock market and real estate boom in Japan made it harder than ever … for the banks to diversify risk. The insights from this analysis help explain why Japan’s main bank system was beneficial …

This paper investigates the relationship between the two major sources of bank default risk: liquidity risk and credit … risk. We use a sample of virtually all US commercial banks during the period 1998–2010 to analyze the relationship between … these two risk sources on the bank institutional-level and how this relationship influences banks’ probabilities of default …

We study empirically the effect of focus (specialization) vs. diversification on the return and the risk of banks using … industries, to different sectors, and to different geographical regions. Our results are consistent with a theory that predicts a … deterioration in bank monitoring quality at high levels of risk and a deterioration in bank monitoring quality upon lending …

We study empirically the effect of focus (specialization) versus diversification on the return and the risk of banks … industries, to different sectors and to different geographical regions. Our results are consistent with a theory that predicts a … deterioration in bank monitoring quality at high levels of risk and a deterioration in bank monitoring quality upon lending …

safety on the part of banks as traditional portfolio and banking theory would suggest? This paper investigates the link … banks do not use diversification to operate at a constant level of risk-return efficiency, which implies that banks are not … risk-return efficient. Moreover, we find that the impact of diversification strongly depends on the risk level. However …

distinct strategies have affected bank profitability and risk before the crisis, and what impact they have put on the mortgage … crisis. Our results prove that the asset structure of banks was responsible for the systemic risk before the mortgage crisis …

Determinants of default risk of banks in emerging economies have so far received inadequate attention in the literature … bad debts as they have better risk management procedures and technology, which definitely allows them to finish up with …

The determinants of default risk of banks in emerging economies have so far received inadequate attention in the … to be stable in containing bad debts, as they have better risk management procedures and technology, which definitely …