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Hidden gems and borrowers with dirty little secrets : investment in soft information, borrower self-selection and competition
Gropp, Reint; Gruendl, Christian; Güttler, André - 2013
relationship bank, but not to a transaction bank. We show that borrowers self-select to relationship banks depending on whether … their privately observed soft information is positive or negative. Competition affects the investment in learning the …
Persistent link: https://www.econbiz.de/10010225815
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The impact of the countercyclical capital buffer on credit : evidence from its accumulation and release before and during COVID-19
Bedayo, Mikel; Galán, Jorge E. - 2024
Persistent link: https://www.econbiz.de/10014512435
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Implications of bank regulation for loan supply and bank stability : a dynamic perspective
Bucher, Monika; Dietrich, Diemo; Hauck, Achim - 2018
A bank's decision on loan supply and capital structure determines its immediate bankruptcy risk as well as the future … availability of internal funds. These internal funds in turn determine a bank's future costs of external finance and future …-to-asset ratios, liquidity coverage ratios and regulatory margin calls on the dynamics of loan supply and bank stability. Only …
Persistent link: https://www.econbiz.de/10011918996
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International Banking and Cross-Border Effects of Regulation : Lessons from France
Bussière, Matthieu - 2016
As part of the International Banking Research Network, the Banque de France contribution to the research project on prudential policy spillovers concentrates on the “outward” adjustment of French banks' cross-border lending. We consider both adjustment of cross-border lending to foreign...
Persistent link: https://www.econbiz.de/10012983958
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Predicting Vulnerabilities in the EU Banking Sector : The Role of Global and Domestic Factors
Behn, Markus; Detken, Carsten; Peltonen, Tuomas; … - 2021
We estimate a multivariate early-warning model to assess the usefulness of private credit and other macro-financial variables in predicting banking sector vulnerabilities. Using data for 23 European countries, we find that global variables and in particular global credit growth are strong...
Persistent link: https://www.econbiz.de/10013248845
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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
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The countercyclical capital buffer and the composition of bank lending
Auer, Raphael A.; Matyunina, Alexandra; Ongena, Steven - 2021
Do macroprudential regulations on residential lending influence commercial lending behavior too? To answer this question, we identify the compositional changes in banks' supply of credit using the variation in their holdings of residential mortgages on which extra capital requirements were...
Persistent link: https://www.econbiz.de/10012643066
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The countercyclical capital buffer and the composition of bank lending
Auer, Raphael A.; Ongena, Steven - 2019
Do macroprudential regulations on residential lending influence commercial lending behavior too? To answer this question, we identify the compositional changes in banks' supply of credit using the variation in their holdings of residential mortgages on which extra capital requirements were...
Persistent link: https://www.econbiz.de/10012064522
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Predicting vulnerabilities in the EU banking sector : the role of global and domestic factors
Behn, Markus; Detken, Carsten; Peltonen, Tuomo; … - 2016
We estimate a multivariate early-warning model to assess the usefulness of private credit and other macro-financial variables in predicting banking sector vulnerabilities. Using data for 23 European countries, we find that global variables and in particular global credit growth are strong...
Persistent link: https://www.econbiz.de/10011975644
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International Banking and Cross-Border Effects of Regulation : Lessons from Germany
Ohls, Jana - 2016
We analyze the inward and outward transmission of regulatory changes through German banks' (international) loan portfolio. Overall, our results provide evidence for international spillovers of prudential instruments, these spillovers are however quite heterogeneous between types of banks and can...
Persistent link: https://www.econbiz.de/10012981901