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The impact of bank capital, bank liquidity and credit risk on profitability in postcrisis period: A comparative study of US and Asia

Abbas, Faisal; Iqbal, Shahid; Aziz, Bilal - In: Cogent Economics & Finance 7 (2019) 1, pp. 1-18

The purpose of this study is to explore the influence of bank capital, bank liquidity level and credit risk on the … economies similar to in the USA commercial banks, whereas the impact of liquidity on the profitability of the USA large … indicate that a 6% increase in capital leads to a 1% increase in profit, a 3.5% increase in liquidity leads to a 1% increase in …

Persistent link: https://www.econbiz.de/10012657522

Much ado about nothing? Interest and non-interest products and services: Their impact on small banks' margins

Fredriksson, Antti; Maresch, Daniela; Moro, Andrea - In: Cogent Economics & Finance 5 (2017) 1, pp. 1-14

We investigate the impact of interest and non-interest products and services on the margin a bank can derive from a specific customer. The analysis is based on 4,277 observations of relationships between small cooperative banks and small and medium-sized enterprises (SME) in Finland from 2001 to...

Persistent link: https://www.econbiz.de/10011988764

When the going gets tough, the tough get going

Fredriksson, Antti; Maresch, Daniela; Fink, Matthias; … - In: The Journal of Entrepreneurial Finance (JEF) 19 (2017) 1, pp. 83-104

A bank's lending decision is affected by the amount of information it can access and by its capability to manage this information. The latter aspect implies that the bank has to decide whether borrowers should be managed in a local branch of the bank or in its headquarters. By looking at a...

Persistent link: https://www.econbiz.de/10012012662

Dynamics of funding liquidity and risk-taking: Evidence from commercial banks

Abbas, Faisal; Ali, Shoaib; Yousaf, Imran; Wong, Wing Keung - In: Journal of Risk and Financial Management 14 (2021) 6, pp. 1-16

The purpose of this study is to investigate the impact of funding liquidity risk on the banks' risk-taking behavior. To … funding liquidity increases the banks' risk-taking of US commercial banks. Furthermore, banks with higher deposits are less … findings infer that increases in bank funding liquidity increase both risk-weighted assets and liquidity creation, and deposit …

Persistent link: https://www.econbiz.de/10013200965

How commercial banks adjust capital ratios: Empirical evidence from the USA?‎

Abbas, Faisal; Ali, Shoaib; Yousaf, Imran; Rizwan, Sohail - In: Cogent Business & Management 7 (2020) 1, pp. 1-18

This study examines the speed of adjustment of the leverage and regulatory capital ratios between 2002 and 2018 for large commercial banks of the USA. The study applies a two-step system GMM technique to obtain the speed of adjustment. The results prove that higher-quality capital requires...

Persistent link: https://www.econbiz.de/10012657317

Nexus between bank capital and risk-taking behaviour: Empirical evidence from US commercial banks

Abbas, Faisal; Ali, Shoaib; Moudud-Ul-Huq, Syed; … - In: Cogent Business & Management 8 (2021) 1, pp. 1-17

supported by the regulatory hypothesis. The results are same across various categories based on capitalization and liquidity …

Persistent link: https://www.econbiz.de/10012657376

Dynamics of bank capital ratios and risk-taking: Evidence from US commercial banks

Abbas, Faisal; Ali, Shoaib - In: Cogent Economics & Finance 8 (2020) 1, pp. 1-21

This study aims to explore how different capital ratios influence the risk-taking of large commercial banks of the USA. The study collects the data from FDIC for commercial banks from 2003 to 2019. We use a two-step GMM method to manage the endogeneity, simultaneity, heteroscedasticity, and...

Persistent link: https://www.econbiz.de/10014001550

The Debt Structure of SMEs: An Optimization Model

Moro, Andrea; Lucas, Mike R.; Grimm, Uwe G. - In: The Journal of Entrepreneurial Finance (JEF) 16 (2012) 1, pp. 87-108

The existing finance literature is inadequate with respect to its coverage of the debt structure of small and medi-um sized enterprises (SMEs). In addition, the role of trust in accessing finance for such enterprises is under-investigated. This paper presents a mathematical model for optimizing...

Persistent link: https://www.econbiz.de/10010343136

Trust and the Demand for Personal Collateral in SME - Bank Relationships

Moro, Andrea; Lucas, Mike R.; Kodwani, Devendra - In: The Journal of Entrepreneurial Finance (JEF) 16 (2012) 1, pp. 57-79

Previous research on relationship lending has paid very little attention to the role of trust. Trust might be ex-pected to reduce agency costs, perceived credit risk and thus the request for personal collateral. Trustworthiness is associated with three attributes of SME owner/managers': ability,...

Persistent link: https://www.econbiz.de/10010343140

How do bank capital and capital buffer affect risk: Empirical evidence from large US commercial banks

Abbas, Faisal; Younas, Zahid Irshad - In: Journal of Central Banking Theory and Practice 10 (2021) 2, pp. 109-131

This research aims to investigate the influence of bank capital, risk-based capital and bank capital buffers on the behaviour of bank risk-taking by applying GMM on the data of US commercial banks ranges from 2002 to 2018. The findings show that bank capital has a positive influence on total...

Persistent link: https://www.econbiz.de/10014558394