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Do Delays in Banks' Loan Loss Provisioning Affect Economic Downturns? Evidence from the U.S. Housing Market
Kim, Sehwa - 2019
I study whether banks' loan loss provisioning contributed to economic downturns by examining the U.S. housing market …. Specifically, I examine the influence of delayed loan loss recognition (DLR) on bank lending and risk-taking in the U.S. mortgage … consumption. These findings suggest banks' loan loss provisioning affected loan supply and risk-taking, exacerbating the economic …
Persistent link: https://www.econbiz.de/10012869492
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Delays in Banks’ Loan Loss Provisioning and Economic Downturns : Evidence from the U.S. Housing Market
Kim, Sehwa - 2022
I study whether banks’ loan loss provisioning contributes to economic downturns, by examining the U.S. housing market …. Specifically, I examine the aggregate effects of banks’ delayed loan loss recognition (DLR) on house prices during the Great …
Persistent link: https://www.econbiz.de/10014239250
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Current Expected Credit Loss Standard and Bank Lending Procyclicality : Evidence from the US Housing Market
Chen, Yi-Chun; Lin, Tse-Chun; Yang, Donghe - 2023
The Financial Accounting Standards Board issued the current expected credit loss (CECL) standard, which requires banks …
Persistent link: https://www.econbiz.de/10014351167
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Procyclicality of US Bank Leverage
Laux, Christian - 2016
In light of the current debate about the link between accounting and financial stability, we investigate the determinants of procyclical book leverage for US commercial and savings banks. We find that total asset growth and GDP growth are both positively related to book leverage growth. Our...
Persistent link: https://www.econbiz.de/10013006615
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Online Appendix for 'Do Delays in Banks’ Loan Loss Provisioning Affect Economic Downturns? Evidence from the U.S. Housing Market'
Kim, Sehwa - 2019
This is an Online Appendix to "Do Delays in Banks' Loan Loss Provisioning Affect Economic Downturns? Evidence from the …
Persistent link: https://www.econbiz.de/10012869487
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Is weather important for US banking? : a study of bank loan inefficiency
Apergēs, Nikolaos; Artikis, Panayiotis G.; Mamatzakis, … - In: Journal of applied finance & banking 2 (2012) 3, pp. 1-38
The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and finance. Yet, and in spite of the immense interest, no study, so far, has provided any comprehensive evidence on the impact of weather conditions. This paper provides the...
Persistent link: https://www.econbiz.de/10009565392
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TARP effect on bank lending behaviour : evidence from the last financial crisis
Puddu, Stefano; Waelchli, Andreas - 2015 - This version: April 2014
Using a unique data set based on US commercial banks and county level loan origination for the period 2005-2010, we measure whether banks that benefited from the Troubled Asset Relief Program (TARP) increase small business loan originations. We propose an identification strategy which exploits...
Persistent link: https://www.econbiz.de/10011410414
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Credit Rating Changes’ Impact on Banks : Evidence from the US Banking Industry
Apergis, Nicholas - 2012
This study examines the impact of credit rating upgrades and downgrades on six comprehensive banks' asset classes, profitability, leverage and size using data from the Federal Deposit Insurance Corporation's call reports and Bloomberg over the period 1989-2008. In summary, the results suggest...
Persistent link: https://www.econbiz.de/10013115975
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Commercial Real Estate Loan Performance at Failed U.S. Banks
Nichols, Joseph - 2011
entering FDIC receivership and estimate a set of default and loss models. Our model of the default and loss of loans backed by …-family construction loans had higher probability of default but land loans had higher loss rates. Loans reaching their end of their …
Persistent link: https://www.econbiz.de/10013120587
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Weather Conditions and Bank Loans Efficiency in US Banking : A Panel VAR Approach
Apergis, Nicholas - 2011
An issue that has not been dealt in the literature refers to the relationship between bank loan efficiency and weather conditions. This paper provides empirical evidence, for the first time, that sheds new light into the dynamic interactions between weather and bank loan efficiency, using a...
Persistent link: https://www.econbiz.de/10013120676