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The effects of focus versus diversification on bank performance: Evidence from Chinese banks
Berger, Allen N.; Hasan, Iftekhar; Zhou, Mingming - 2010
This paper investigates the effects of focus versus diversification on bank performance using data on Chinese banks … during the 1996-2006 period. We construct a new measure, economies of diversi-fication, and compare the results to those of …. Diversification is captured in four dimensions: loans, deposits, assets, and geography. We find that all four dimensions of …
Persistent link: https://www.econbiz.de/10012148603
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Does Diversification Increase or Decrease Bank Risk and Performance? Evidence on Diversification and the Risk-Return Tradeoff in Banking
Berger, Allen N. - 2010
Conventional wisdom in banking argues that diversification tends to reduce bank risk and improve performance, but the … recent financial crisis suggests that aggressive diversification strategies may have resulted in increased risk taking and … diversification strategies and the risk-return tradeoff in banking. Our data set covers Russian banks during the 1999-2006 period and …
Persistent link: https://www.econbiz.de/10013139765
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The effects of focus versus diversification on bank performance: Evidence from Chinese banks
Berger, Allen N.; Hasan, Iftekhar; Zhou, Mingming - Siirtymätalouksien tutkimuslaitos, Suomen Pankki - 2010
This paper investigates the effects of focus versus diversification on bank performance using data on Chinese banks … during the 1996-2006 period. We construct a new measure, economies of diversification, and compare the results to those of …. Diversification is captured in four dimensions: loans, deposits, assets, and geography. We find that all four dimensions of …
Persistent link: https://www.econbiz.de/10008540685
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The effects of focus versus diversification on bank performance: Evidence from Chinese banks
Berger, Allen N.; Hasan, Iftekhar; Zhou, Mingming - Center for Economic Institutions, Institute of Economic … - 2009
This paper investigates the effects of focus versus diversification on bank performance using data on Chinese banks … during the 1996-2006 period. We construct a new measure, economies of diversification, and compare the results to those of …. Diversification is captured in four dimensions: loans, deposits, assets, and geography. We find that all four dimensions of …
Persistent link: https://www.econbiz.de/10008548293
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Does diversification increase or decrease bank risk and performance? Evidence on diversification and the risk-return tradeoff in banking
Berger, Allen N.; Hasan, Iftekhar; Korhonen, Iikka; … - Siirtymätalouksien tutkimuslaitos, Suomen Pankki - 2010
Conventional wisdom in banking argues that diversification tends to reduce bank risk and improve performance, but the … recent financial crisis suggests that aggressive diversification strategies may have resulted in increased risk taking and … diversification strategies and the risk-return tradeoff in banking. Our data set covers Russian banks during the 1999-2006 period and …
Persistent link: https://www.econbiz.de/10008466294
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The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk
Berger, Allen N.; Cowan, Adrian M.; Frame, W. Scott - 2009
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest...
Persistent link: https://www.econbiz.de/10010292213
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Bank liquidity creation and risk taking during distress
Berger, Allen N.; Bouwman, Christa H. S.; Kick, Thomas; … - 2010
Liquidity creation is one of banks' raisons d'être. But what happens to liquidity creation and risk taking when a bank is identified as distressed by regulatory bodies and subjected to regulatory interventions and/or receives capital injections? What are the long-run effects of such...
Persistent link: https://www.econbiz.de/10010301352
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Small business credit scoring and credit availability
Berger, Allen N.; Frame, W. Scott; Berger, Allen N.; … - 2005
U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research...
Persistent link: https://www.econbiz.de/10010397703
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Further evidence on the link between finance and growth: an international analysis of community banking and economic performance
Berger, Allen N.; Hasan, Iftekhar; Klapper, Leora F. - 2004
We seek to contribute to both the finance-growth literature and the community banking literature by testing the effects of the relative health of community banks on economic growth and investigating potential transmission mechanisms for these effects using data from 1993- 2000 on 49 nations.Data...
Persistent link: https://www.econbiz.de/10012147907
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Bank ownership and efficiency in China: what lies ahead in the world's largest nation?
Berger, Allen N.; Hasan, Iftekhar; Zhou, Mingming - 2007
China is reforming its banking system, partially privatizing and permitting minority foreign ownership of three of the dominant 'big four' state-owned banks. This paper seeks to help predict the effects of this change by analysing the efficiency of virtually all Chinese banks in the years...
Persistent link: https://www.econbiz.de/10012148005