Loan loss provisioning and economic slowdowns: too much too late? [PDF]
Only recently the debate on bank capital regulation has devoted specific attention to the role that bank loan loss provisions can play as a part of the overall minimum capital regulatory framework. Several national regulators have adopted or are planning
Giovanni Majnoni, Luc Laeven
core
ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI LOAN LOSS PROVISION BANK UMUM KONVENSIONAL DI INDONESIA (Periode 2009 – 2013) [PDF]
, 2015 Bank has strategic position to support financial system stability in Indonesia. Banking main activity is collecting third party funds and then redistribute in a credit form. Lending activity makes bank faced problems when it’s implementing, one of the
FARIDA, Diana Eka, MUHARAM, Harjum
core
Macroeconomic determinants of Polish banks’ loan losses – results of a panel data study [PDF]
The paper investigates the links between business cycle variables and loan losses of Polish commercial banks. A panel approach was chosen in order to make maximum use of available supervisory data, and to capture the impact of bank profile on loan losses.
Adam Głogowski
core
Impact of bank competition on the interest rate pass-through in the euro area [PDF]
This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and deposits during the 1994-2004 period, using a novel measure of competition called the Boone indicator.
A.A.R.J.M. Rixtel +3 more
core
Operating performance of the banking industry: an empirical investigation of the south eastern European region [PDF]
, 2007 This paper examines the operating performance of the South Eastern European(SEE) banking industry over the period 1998-2003. To this end, we investigate the empirical relationship between operating expenses and bank, market and country specific ...
Koutsomanoli-Fillipaki, Anastasia +2 more
core +1 more source
How does competition impact bank risk-taking? [PDF]
A common assumption in the academic literature and in the actual supervision of banking systems worldwide is that franchise value plays a key role in limiting bank risk-taking.
Gabriel Jiménez +2 more
core
Mission Impracticable: The Impossibility of Commercial Impracticability [PDF]
, 2015 [Excerpt] “Residents of Chicago’s Streeterville neighborhood certainly cannot forget the recent financial crisis thanks to a gaping hole in their midst.
Camero, Jennifer
core +1 more source
Why Do Banks Ask for Collateral and Which Ones ? [PDF]
This paper aims at testing empirically the three major theoretical reasons why banks resort to collateral: reduction of loan loss in the event of default, adverse selection, and moral hazard. This investigation is performed by testing whether the reasons
Laurent Weill, Régis Blazy
core
Credit rationing by loan size in commercial loan markets [PDF]
The authors present a theoretical model in which a profit-maximizing lender may ration credit to businesses by restricting loan size. Such credit rationing occurs despite the absence of differences across borrowers in default risk or loan administration ...
Anne P. Villamil, Stacey L. Schreft
core
Credit Cycles, Credit Risk, and Prudential Regulation [PDF]
This paper finds strong empirical support of a positive, although quite lagged, relationship between rapid credit growth and loan losses. Moreover, it contains empirical evidence of more lenient credit standards during boom periods, both in terms of ...
Gabriel, Jimenez, Jesus, Saurina
core +1 more source