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Divergence of risk indicators and the conditions for market discipline in banking
Forssbæck, Jens - 2011
Accurate measurement of bank risk is a matter of considerable importance for bank regulation and supervision. Current … practices in most countries emphasize reliance on financial statement data for assessing banks’ risk. However, the possibility … of increased reliance on market-based risk indicators has been a topic for academic and regulatory debate for a long time …
Persistent link: https://www.econbiz.de/10011710809
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The impact of capital ratio on lending of EU banks - the role of bank specialization and capitalization
Olszak, Małgorzata; Pipień, Mateusz; Roszkowska, Sylwia - 2015
In this paper we aim to find out whether bank specialization and bank capitalization affect the relationship between bank loan growth and bank capital ratio, both in expansions and in contractions. We hypothesize that the impact of bank capital on lending is relatively strong in cooperative...
Persistent link: https://www.econbiz.de/10012030770
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Size of banks as a factor which impacts the efficiency of the bank lending channel
Świtała, Filip; Kowalska, Iwona; Malajkat, Karolina - In: Financial internet quarterly 16 (2020) 1, pp. 36-44
In most economies the banking sector plays the major role in the financial system. Therefore, it is of great importance to analyse and understand the mechanism of transmission of monetary policy and its impact on the banking sector. One of the possible repercussions of changing the level of...
Persistent link: https://www.econbiz.de/10012197223
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Do macroprudential policy instruments reduce the procyclical impact of capital ratio on bank lending? : cross-country evidence
Olszak, Małgorzata; Roszkowska, Sylwia; Kowalska, Iwona - In: Baltic journal of economics 19 (2019) 1, pp. 1-38
In this paper, we ask about the capacity of macroprudential policies to reduce the procyclical impact of capital ratio on bank lending. We focus on aggregated macroprudential policy measures and on individual instruments and test whether their effect on the association between lending and...
Persistent link: https://www.econbiz.de/10012010272
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Bank capital, lending booms, and busts : evidence from Spain over the last 150 years
Bedayo, Mikel; Estrada, Ángel; Saurina, Jesús - In: Latin American journal of central banking : LAJCB 1 (2020) 1/4, pp. 1-14
In this paper, we analyze the role bank capital played in systemic banking crises and in lending expansion and contraction for nearly 150 years in Spain. We first build a measure of capital ratio (i.e., the capital to assets ratio) for Spain's banking sector, starting in 1880. Then, we analyze...
Persistent link: https://www.econbiz.de/10012545573
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Does banking management affect credit risk? : evidence from the Indian banking system
Koju, Laxmi; Koju, Ram; Wang, Shouyang - In: International Journal of Financial Studies : open … 6 (2018) 3, pp. 1-11
This study investigated the impact of banking management on credit risk using a sample of Indian commercial banks. The … study employed dynamic panel estimations to evaluate the link between banking management variables and credit risk. The … findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and …
Persistent link: https://www.econbiz.de/10011884150
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Empirical linkages between branching, lending, and competition : a study of Pakistani banks
Ahmed, Jaleel; Farooq, Umar; Al-Naimi, Ahmad A.; … - In: Economies : open access journal 11 (2023) 5, pp. 1-16
of geographic diversification and distance on the performance of banks, the market power of loans and deposits, and the … effect of large and medium banks on the performance of small banks, a sample of commercial banks is selected. The study finds … that geographic diversification and distance between bank branches and headquarters do not affect the performance of the …
Persistent link: https://www.econbiz.de/10014319534
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Impact of bank competition on the interest rate pass-through in the euro area
van Leuvensteijn, Michiel; Sørensen, Christoffer Kok; … - 2008
This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and deposits during the 1994-2004 period, using a novel measure of competition called the Boone indicator. We find evidence that stronger competition implies significantly lower...
Persistent link: https://www.econbiz.de/10011604931
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Do bank loans and credit standards have an effect on output? A panel approach for the euro area
Cappiello, Lorenzo; Kadareja, Arjan; Kok, Christoffer; … - 2010
Applying the identification strategy employed by Driscoll (2004) for the United States, this paper provides empirical evidence for the existence of a bank lending channel of monetary policy transmission in the euro area. In addition, and in contrast to recent findings for the US, we find that in...
Persistent link: https://www.econbiz.de/10011605196
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Bank-related loan supply factors during the crisis: An analysis based on the German bank lending survey
Blaes, Barno - 2011
This paper analyses the role of bank-related constraints in explaining the sharp slowdown in bank lending to non-financial corporations in Germany during the recent financial crisis. We use a panel approach based on a unique data set which matches the individual responses of the banks...
Persistent link: https://www.econbiz.de/10010307856