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We investigate the impact of interest and non-interest products and services on the margin a bank can derive from a … medium-sized enterprises (SME) in Finland from 2001 to 2005. The results show that only long-term loans significantly … contribute to the bank’s margin, whereas short-term loans as well as other additional products and services do not affect the …
Persistent link: https://www.econbiz.de/10011881571
performance, that is, profitability and efficiency. Considering bank size, the results show a diverse impact of regulation on bank … efficiency and profitability of banks. This study aims to examine the impact of the introduction of two major regulatory changes … (Basel II and Basel III) on bank performance, in terms of bank size and bank-specific and macroeconomic variables. A two …
Persistent link: https://www.econbiz.de/10014288974
variable. We find that markets give more importance to profitability of a bank than its size when pricing the riskiness of the … bank. We conclude that Too Big to Fail is not a valid term as thought but may be Too Profitable to Fail may be better …
Persistent link: https://www.econbiz.de/10008857820
volatility of growth and profitability are bank-size dependent, and (iii) the relationship between growth and profitability of a … evidence of persistence in bank growth. However, our findings suggest significant persistence in bank profitability. Moreover …This paper investigates (i) whether growth and profitability persist in banking firms, (ii) whether the level and …
Persistent link: https://www.econbiz.de/10003883061
This study examines the influence of US banks' revenue diversification on their profitability, equity capital, and … measures on, profitability, equity capital, and credit risk broken down by size groups, using multivariate statistical … profitability, capital, and credit risk both in comparative statics and dynamically along the business cycles. Moreover …
Persistent link: https://www.econbiz.de/10014089781
This study examines the infuence of US banks' revenue diversification on profitability, equity capital, and credit risk … diversification measures on profitability, equity capital, and credit risk both in comparative statics and dynamically along the … business cycles. Moreover, profitability, equity capital, and risk in medium size banks reflect insensitivity to these measures …
Persistent link: https://www.econbiz.de/10013403282
Financial reform must not ignore the interests of small stakeholders – who must be regarded as too small to be counted. Making equity an explicit objective is delicate: it needs to be calibrated such that the vulnerable are not exposed to further risks. Policies outside the realm of financial...
Persistent link: https://www.econbiz.de/10013091281
We formulate and test hypotheses about the role of bank type – small versus large, single-market versus multimarket … Survey of Small Business Finance (SSBF), we conduct two sets of tests. First, we test for the type of bank serving as the … "main" relationship bank for small businesses with different firm and owner characteristics. Second, we test for the …
Persistent link: https://www.econbiz.de/10013061506
bank presence affects these firms in normal times (2004-2006) and in the recent financial crisis (2007-2009). We find that … greater small bank presence yields significantly more lending to and slightly lower failure rates of these firms during normal …
Persistent link: https://www.econbiz.de/10013063973
Empirical findings document a number of facts on small business finance and relationship lending, that lack hitherto a theoretical explanation. First, the impact of competition on relationship lending may be nonmonotonic and depends on the organizational structure of the banking market. Second,...
Persistent link: https://www.econbiz.de/10013090321