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The vanishing interest income of Chinese banks

Kauko, Karlo - 2020

Chinese banks likely have more non-performing loans (NPLs) than officially reported. As hidden NPLs earn no interest income, loan quality problems may erode the gross interest income of banks. Using stochastic frontier analysis, we estimate the interest income of a hypothetical...

Persistent link: https://www.econbiz.de/10012167271

The impact of non-performing loan sales on the stock market : the role of corporate governance in an emerging market

Pirgaip, Burak; Uysal, Aydın - In: Borsa Istanbul Review 23 (2023) 3, pp. 674-684

Over the past decade, one popular way for Turkish banks to remove nonperforming loans (NPLs) from their balance sheets has been to sell them to asset management companies. We examine the short-term market reaction to the announcements of such NPL sales over the period 2009-2019. We also consider...

Persistent link: https://www.econbiz.de/10014308822

How asset management companies can help tackle the NPL crisis : a state aid perspective within the resolution framework

Grünewald, Seraina Neva; Louisse Read, Marije L. - 2022

The lingering pandemic and associated lockdown measures have undoubtedly an impact on banks’ balance sheets. It is expected that the ratio of banks’ non-performing loans (NPLs) will raise significantly once Member States fully unwind the support measures introduced to contain the impact of...

Persistent link: https://www.econbiz.de/10012795428

Benford's law and Chinese banks' non-performing loans

Kauko, Karlo - 2019

Benford's law states that the leading significant digits in real-world data sets, provided the data span several orders of magnitude, are not normally uniformly distributed. Deviations from this law may indicate human intervention, even fraud. The data on Chinese banks' non-performing loans has...

Persistent link: https://www.econbiz.de/10012161109

Determinants of non-performing loans : can national asset management companies help to alleviate the problems?

Gonzales, Brenda Solis - 2020

Using a novel dataset I examine to what extent the introduction of national Asset Management Companies (AMCs) impacts the effects of bank-specific and macroeconomic determinants of the NPLs ratio for European countries. This study provides evidence on how national AMCs help to alleviate the...

Persistent link: https://www.econbiz.de/10012242901

Is finance good for growth? : new evidence from China

Chen, Jingzhu; Ji, Yuemei - 2022

We study the relationship between finance and growth using a sample of 275 Chinese cities during 2009-2018. We exclude a large amount of bank loans to local governments through the local government financing vehicles (LGFVs). This allows us to construct a new and better financial development...

Persistent link: https://www.econbiz.de/10013337564

The Vanishing Interest Income of Chinese Banks

Kauko, Karlo - 2021

Persistent link: https://www.econbiz.de/10013250501

SME relationship banking and loan contracting : survey-based evidence from China

Lu, Shun; Glushenkova, Marina; Huang, Wei; Matthews, Kent - 2024

This study explores the impact of relationship banking on the financial constraints and loan conditions of small and … medium-sized enterprises (SMEs) in China. Our research contributes to the literature in several ways. First, we examine both … the financial costs and loan benefits associated with SME relationship banking, extending the scope of existing literature …

Persistent link: https://www.econbiz.de/10014491201

Non-performing loans (NPLs), liquidity creation, and moral hazard : case of Chinese banks

Umar, Muhammad; Sun, Gang - In: China finance and economic review : CFER 4 (2016), pp. 1-23

Background: This study analyzes the impact of non-performing loans (NPLs) on bank liquidity creation to investigate the existence of moral hazard problem in Chinese banks. Methods: It uses data from 197 listed and unlisted Chinese banks, spanning the period 2005 to 2014. Generalized method of...

Persistent link: https://www.econbiz.de/10011499391

Shadow Prices of Non-performing Loans for Chinese Banks in the Post-Crisis Era

Zhao, Shirong - 2020

This paper examines how non-performing loans (NPLs) affect Chinese commercial banks before, during, and after the 2008 global financial crisis as well as the subsequent 2008—2010 stimulus. By accounting for NPLs as undesirable outputs, banks' technical efficiency is estimated using directional...

Persistent link: https://www.econbiz.de/10012823203

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