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Does the Geographic Expansion of Bank Assets Reduce Risk?
Goetz, Martin Richard - 2014
We develop a new identification strategy to evaluate the impact of the geographic expansion of bank holding company (BHC) assets across U.S. metropolitan statistical areas (MSAs) on BHC risk. We find that the geographic expansion of bank assets reduces risk. Moreover, geographic expansion...
Persistent link: https://www.econbiz.de/10013040486
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Bank Sectoral Concentration and (Systemic) Risk : Evidence from a Worldwide Sample of Banks
Beck, Thorsten - 2018
We propose a novel technique to measure three aspects of banks' sectoral concentration that feature prominently in episodes of intensi fied (systemic) bank risk: specialization (capturing overexposures), differentiation (capturing indirect connectedness), and fi nancial sector exposure...
Persistent link: https://www.econbiz.de/10012934143
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Securitization and lending standards : evidence from the wholesale loan market
Kara, Alper; Marqués Ibáñez, David; Ongena, Steven - 2011
We investigate the effect of securitization activity on banks’ lending standards using evidence from pricing behavior … aggressive on their loan pricing practices. This suggests that securitization activity lead to laxer credit standards …. Macroeconomic factors also play a large role explaining the impact of securitization activity on bank lending standards: banks more …
Persistent link: https://www.econbiz.de/10009233425
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Securitization and lending standards : evidence from the wholesale loan market
Kara, Alper; Marqués Ibáñez, David; Ongena, Steven - 2011
We investigate the effect of securitization activity on banks’ lending standards using evidence from pricing behavior … aggressive on their loan pricing practices. This suggests that securitization activity lead to laxer credit standards …. Macroeconomic factors also play a large role explaining the impact of securitization activity on bank lending standards: banks more …
Persistent link: https://www.econbiz.de/10009238013
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Securitization and Lending Standards : Evidence from the Wholesale Loan Market
Kara, Alper - 2011
We investigate the effect of securitization activity on banks' lending standards using evidence from pricing behavior … aggressive on their loan pricing practices. This suggests that securitization activity lead to laxer credit standards …. Macroeconomic factors also play a large role explaining the impact of securitization activity on bank lending standards: banks more …
Persistent link: https://www.econbiz.de/10013122259
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Securitization and Lending Standards : Evidence from the Wholesale Loan Market
Kara, Alper - 2011
We investigate the effect of securitization activity on banks' lending standards using evidence from pricing behavior … aggressive on their loan pricing practices. This suggests that securitization activity lead to laxer credit standards …. Macroeconomic factors also play a large role explaining the impact of securitization activity on bank lending standards: banks more …
Persistent link: https://www.econbiz.de/10013122538
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Securitization and Credit Quality
Kara, Alper - 2017
securitization activity on loans' relative credit quality employing a uniquely detailed dataset from the euro-denominated syndicated … securitization, however, the credit quality of borrowers whose loans are securitized deteriorates by more than those in the control … detailed loan-by-loan information on loan credit quality would be useful to reap out the benefits of securitization …
Persistent link: https://www.econbiz.de/10012963923
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Securitization and Credit Quality
Marques-Ibanez, David - 2017
securitization activity on loans' relative credit quality employing a uniquely detailed dataset from the euro-denominated syndicated … securitization, however, the credit quality of borrowers whose loans are securitized deteriorates by more than those in the control …
Persistent link: https://www.econbiz.de/10012966551
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The Financial Crisis and the Regulation of Credit Rating Agencies : A European Banking Perspective
Utzig, Siegfried - 2010
avoided.In Europe, the course had been set in this direction even before then. Since European policymakers saw the crisis as …
Persistent link: https://www.econbiz.de/10013144643
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Determinants of European Banks' Default Risk
Soenen, Nicolas; Vander Vennet, Rudi - 2021
Using bank CDS spreads, we examine three types of determinants of Euro Area bank default risk in the period 2008-2019: bank characteristics related to new regulation, the bank-sovereign nexus and the monetary policy stance. We find that Basel 3 regulation improves the banks’ risk profile since...
Persistent link: https://www.econbiz.de/10013313279