This paper investigates the impact of bank competition in Sub-Saharan Africa on bank non-performing loans, a measure of …-linear or U-shaped relationship between bank competition (measured by the Lerner Index) and credit risk. In other words …, increased bank competition has the potential to lower credit risk via efficiency gains (lower credit cost, operational gains …

potential conclusion is that FHA was forced to accept lower quality loans as competition from more nimble private lenders with …

. Rising competition among banks could pose a challenge and possibly change the level of credit risk, especially if the banks … competition affects credit risk in Montenegro and whether banks differing in size react differently. Panel data techniques were … affected. Overall, the increasing competition may positively affect credit risk in Montenegro. …

We use unique data on banks' private risk assessments of corporate borrowers to quantify how competition among banks … affect the risk sensitivity of interest rates in the Norwegian credit market. We show that an increase in competition makes … channel of how the competition-fragility nexus can operate. …

public disclosure of stress test results, raise funding by promising investors a repayment. We show that competition forces …

industry competition. For identification, we utilise the change in state level competition that followed the passage of the US … create-dominant organizational cultures have higher discretionary LLPs when competition increases. Moreover, banks use …