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In the traditional banking model, loans play a dominant role in banks’ operations. Loan portfolio quality is the main … generator of banks’ results. In the periods of best results, as well as in times of worst performance of banks’ operations, the … profile of the bank. This paper investigates the influence of the non-performing loans ratio on profitability indicators in …
Persistent link: https://www.econbiz.de/10011862127
banks, apart from other accepted determinants of profitability, asset size has no significant impact on profitability. …The determinants of default risk of banks in emerging economies have so far received inadequate attention in the … literature. This paper seeks to study the determinants of bank asset quality and profitability using panel data techniques and …
Persistent link: https://www.econbiz.de/10010507831
capital requirements framework gives banks the option to implement a qualitative method – a supervisory slotting criteria …
Persistent link: https://www.econbiz.de/10013087567
This paper adopts a business management perspective of studies to examine the role of the credit information market in the bank lending industry. This paper analyzes the credit information market as a particular case of vertical disintegration in the bank credit origination value chain. The main...
Persistent link: https://www.econbiz.de/10013000470
This paper aims to examine the underlying causes of the sharp reduction in bank lending, which in turn is highlighting some structural weaknesses of Italian firms and financial system. The structure of this paper is as follows. Section 1 introduces the paper. Section 2 analyzes some drivers of...
Persistent link: https://www.econbiz.de/10013053669
Market segmentation characterized by price heterogeneity appears as a failure of classical view of market equilibrium. We suppose that an existence of specific asset pricing determines the wealth level of lenders. In microfinance, we look at the linkages between the welfare of lenders and market...
Persistent link: https://www.econbiz.de/10012997524
This study investigates the interrelationship among bank stability, profitability, and loan growth in the Vietnamese … these variables. More specifically, bank profitability is positively associated with bank stability and vice versa. Loan … bank profitability and loan growth. Nonetheless, these findings suggest the trade-off benefit of pursuing massive loan …
Persistent link: https://www.econbiz.de/10012654543
on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs …. without a public mandate, controlling for location, size, loan maturity, funding structure, liquidity, profitability, and … maximization and a sustainable provision of financial services to local customers. We find that banks with a public mandate are 25 …
Persistent link: https://www.econbiz.de/10011391616
This paper empirically investigates how organizational hierarchy affects the allocation of credit within a bank. Using an exogenous variation in organizational design, induced by a reorganization plan implemented in roughly 2,000 bank branches in India during 1999 - 2006, and employing a...
Persistent link: https://www.econbiz.de/10010518012
Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to … asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem …
Persistent link: https://www.econbiz.de/10011334832