exposes banks to stricter market discipline, then decreases the risk-taking behaviors of bank management compared with non …-payers, consistent with the Dividend-Stability Channel. However, among banks that pay dividends, excessive dividends makes them riskier …

document a consistent evidence of a lower loan growth for banks that rely more on deposits. The quantile regressions which … dissect the lending behavior of banks at the right tail of loan growth distribution point out the leveraged effect of funding … liquidity is larger in high-loan-growth banks. The negative effects of funding liquidity on lending seem to be clearer before …

both the firm’s credit risk and information risk increase after punishment. By focusing on Chinese firms’ borrowing …

encourage banks to attract more deposit as this has a significant impact on the credit ability of the banks. A periodic review … of the lending rate and liquidity ratio of the banks in the economy should also be carried out as these have a …

By the act of lending banks do not actually intermediate pre-accumulated real resources but rather create new financial … resources in the form of deposits. Therefore, bank credit needs to be modelled as a monetary phenomenon, which directly fuels … domestic demand and inflationary pressures. So far, there have been just a few attempts to model banks as monetary institutions …

We investigate the association between banks' credit expansion and loan loss reserves on a panel of banks from 11 new … overlending, we expect that banks with a higher share of unused committed credit lines are more prone to subsequent increase in … EU member countries from Central and Eastern Europe during 2004-2010. Unused committed credit lines capture the decline …

In the traditional banking model, loans play a dominant role in banks’ operations. Loan portfolio quality is the main … generator of banks’ results. In the periods of best results, as well as in times of worst performance of banks’ operations, the … credit portfolio quality is the share of non-performing loans to the total credit portfolio. The consequences of an increased …

financial inclusion in the developing country context. A comprehensive and long-term education program should be delivered … broadly to the rural population to make a big stride in financial inclusion, a key driver of poverty reduction and prosperity …