banks with differing levels of information asymmetry. Specifically, we compare earnings management between public and … private banks by using discretionary loan-loss provisions (DLLPs) as proxies. Employing a large dataset of US public and … private banks from 1986:Q1 to 2013:Q4, this study provides evidence of stronger earnings management behavior in public banks …

. However, choosing optimum bank lending decisions that maximize the bank profit in a credit crunch environment is still a big … challenge. For that, this paper proposes an intelligent model based on the Genetic Algorithm (GA) to organize bank lending … bank objectives when constructing the loan portfolio, by maximizing the bank profit and minimizing the probability of bank …