In December 2010 the Basel Committee on Banking Supervision published a set of new regulations for banks in response to the financial crisis. This paper aims at evaluating the possible effects of the new framework on banks� available regulatory capital and risk-weighted assets and assessing...

The paper urges that Mozambique would need to develop a more competitive and inclusive financial system, address the failure of the market to make credit available for SMEs and farmers, and establish credit guarantee schemes to channel credit to priority sectors and disadvantaged groups.

Using the critical incident technique, we investigated how 88 loan officers at four Swedish banks perceived their decision making in evaluations of commercial loan applications. First, we found that our sample of loan officers primarily used deliberation and less intuition when making decisions....