Hughes, Joseph P.; Jagtiani, Julapa; Moon, Choon-geol - 2018
lending could a lender achieve if it were fully efficient at credit-risk evaluation and loan management? The frontier … ratio, adjusted for statistical noise, and the minimum ratio gauges lending inefficiency. In 2013 and 2016, the largest bank … among the five size groups constituting the sample. Moreover, the inherent credit risk of their consumer lending is the …