The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and … 2009. Bank loan inefficiency is derived using both a standard stochastic frontier production approach for bank loans and a … explaining the variation of gross loans. -- bank loan inefficiency ; weather conditions ; panel VAR ; causality ; US banking …

An issue that has not been dealt in the literature refers to the relationship between bank loan efficiency and weather … between weather and bank loan efficiency, using a panel data set that includes 69 banks operating in the US spanning the … period 1999 to 2009. Bank loan inefficiency is derived using a stochastic frontier production approach. We also estimate …

Motivated by the variety of bank risk proxies, our analysis reveals that nonperforming assets are a well …-suited complement to the Z-score in studies of bank risk. …

Ratio (LDR), Operational Efficiency proxies by Operational Expense to Operating Income Ratio (BOPO)and Non-Performing Loan … gather samples of the banking sector that was listed on the Indonesia Stock Exchange for the period of 2012-2014. Multiple … deduced that Operational Efficiency proxies by Operational Expense to Operating Income Ratio has a significant impact towards …

Does relationship bank oversight improve firm operational efficiency and reduce default risk? I find that a new loan … relationship bank monitoring are most apparent for borrowers with higher the ex ante default risk and lower baseline efficiency … from a relationship bank improves the technical efficiency of inefficient firms that have an elevated probability of …

Fintechs are believed to help expand credit access to underserved consumers without taking on additional risk. We … compare the performance efficiency of LendingClub's unsecured personal loans with similar loans originated by banks. Using … risk and lending inefficiency, respectively. As of 2013 and 2016, we find that the higher NPL ratios at the largest banks …

inherent credit risk, and the highest lending efficiency, indicating that their high ratio of nonperformance is driven by … loans, inherent credit risk, and lending efficiency — although its loan volume was smaller. Our findings are consistent …. The first is the best-practice minimum ratio that a lender could achieve if it were fully efficient at credit-risk …

-practice ratio of nonperforming consumer loans - i.e., higher inherent credit risk. As of 2016, LendingClub's lending efficiency is … lending could a lender achieve if it were fully efficient at credit-risk evaluation and loan management? The frontier …. The conditional minimum ratio can be interpreted as a measure of inherent credit risk. The difference between the observed …

ratio a bank would experience if it were fully efficient at credit-risk evaluation and loan monitoring, represents the … inherent credit risk of the loan portfolio and is estimated by stochastic frontier techniques. We apply the technique to 2013 … credit risk of their lending is the highest among the five groups. On the other hand, their inefficiency at lending is one of …