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Loan Loss Provision : Some Empirical Evidence for Italian Banks

Caporale, Guglielmo Maria - 2015

This paper uses data from a panel of more than 400 Italian banks for the period 2001-2012 to examine the main determinants of loan loss provision (LLP), which are classified as either discretionary (income smoothing, capital management, signalling) or non-discretionary (related to the business...

Persistent link: https://www.econbiz.de/10013024740

Loan Loss Provision : Some Empirical Evidence for Italian Banks

Caporale, Guglielmo Maria - 2015

Persistent link: https://www.econbiz.de/10013026612

Quality of Bank Capital and Bank Lending Behavior During the Global Financial Crisis

Kosak, Marko - 2014

Using a worldwide bank sample from 2000 to 2010, this article analyzes the determinants of bank lending behavior during … the global financial crisis highlighting the role of bank capital. It reveals that the high quality of the bank funding … strategy (tier 1 bank capital and retail deposits) and prevalent government backing were crucial to continuous bank lending …

Persistent link: https://www.econbiz.de/10013044400

Does Bank Capital Affect the Supply of Credit Lines?

Cho, Sung-Woo - 2018

This paper examines whether a bank's equity capital affects the magnitude of credit lines that banks provide as … more pronounced during financial crises, wherein the probability of bank failure increases significantly. This suggests …

Persistent link: https://www.econbiz.de/10012934219

The economic impact of the NPL coverage expectations in the euro area

Budnik, Katarzyna; Dimitrov, Ivan; Groß, Johannes; … - 2022

expectations for NPLs are found to be effective in reducing banks' NPLs. The phase-in of the policies can temporarily reduce bank …

Persistent link: https://www.econbiz.de/10013286744

How Do Banking Groups React to Macroprudential Policies? Cross-Border Spillover Effects of Higher Capital Buffers on Lending, Risk-Taking and Internal Markets

Cappelletti, Giuseppe; Ponte Marques, Aurea; Salleo, Carmelo - 2021

We study the impact of macroprudential capital buffers on banking groups' lending and risk-taking decisions, also investigating implications for internal capital markets. For identification, we exploit heterogeneity in buffers applied to other systemically important institutions, using...

Persistent link: https://www.econbiz.de/10013210623

Credit Growth and Bank Capital Requirements : Binding or Not?

Labonne, Claire - 2014

. We use a unique database for the French banking sector between 2003 and 2011 combining confidential bank-level Bank …

Persistent link: https://www.econbiz.de/10013062631

Are Banks Forward-Looking in Their Loan Loss Provisioning? Evidence from the Senior Loan Officer Opinion Survey (SLOOS)

Balasubramanyan, Lakshmi - 2014

This paper makes a fundamental contribution by studying loan-loss provisioning over the credit cycle as three distinct phases. Looking at the three distinct phases of the financial crisis — the pre-crisis period, crisis period, and post-crisis period — is important as loan-loss provisioning...

Persistent link: https://www.econbiz.de/10013062927

Identifying the provisioning policies of Belgian banks

Arbak, Emrah - 2017

Loan loss reserves make up an essential part of a bank's soundness and more generally its viability. An under …-provisioned reserve account implies that capital ratios may overstate a bank's ability to absorb future losses. For this reason, both …

Persistent link: https://www.econbiz.de/10011698559

The effect of higher capital requirements on bank lending : the capital surplus matters

Kolcunová, Dominika; Malovaná, Simona - 2019

This paper studies the impact of higher additional capital requirements on loan growth to private sector of banks in the Czech Republic. The empirical results indicate that there is a negative effect of higher additional capital requirements on loan growth of banks with relatively low capital...

Persistent link: https://www.econbiz.de/10011999950