Should banks be diversified or focused? Does diversification indeed lead to enhanced performance …

During the last years the lending business has come under considerable competitive pressure and bank managers often … are able to explain the financial performance of bank lending activities. The analysis is based on the CFS-data-set that …

researchers and regulators. Since poor bank governance is seen as a major cause of the recent crisis, a deeper understanding is … needed how banks are governed and how bank governance is associated with performance and risk taking. This report deals with … non-executive bank employees provided by an international consulting company. The results indicate that both aspects of …

risk factors, we separate the bank-specific selection and monitoring abilities from the composition of the loan portfolio …, on average, lower loan losses, (b) the loss rate of a given industry in a bank's loan portfolio is lower if the bank has …

risk factors, we separate the bank-specific selection and monitoring abilities from the composition of the loan portfolio …, on average, lower loan losses, (b) the loss rate of a given industry in a bank's loan portfolio is lower if the bank has …

loan loss rate of a given industry in a bank‘s loan portfolio is lower if the bank has a major exposure to that industry …

of higher capital requirements on the cost of capital. We find that bank's funding costs increase insignificantly for …