Juvenile salmonids traverse coastal meta‐nurseries that connect rivers via the sea
Conventionally, juvenile salmonids are thought to migrate unidirectionally from freshwater systems to marine systems and therefore only inhabit natal drainages. Although scattered evidence suggests juveniles can move bidirectionally between freshwater rivers and the ocean, including into non‐natal drainages, such movements have never been documented ...
Stuart H Munsch+12 more
wiley +1 more source
Considerations regarding credit portfolio risk management of the banking institution [PDF]
Nowadays, the management of credit portfolio is becoming more and more sophisticated, the evaluation and management techniques are being used on a larger and larger scale in order to respond as efficiently and promptly as possible to the associated risks.
Ioan TRENCA, Mihail-Dragos BOLOCAN
core
ABSTRACT This paper proposes a multilayer artificial neural network (ANN) method to predict the probability of default (PD) within a survival analysis framework. The ANN method captures hidden interconnections among covariates that influence PD, potentially leading to improved predictive performance compared to both logit and skewed logit models.
Yiannis Dendramis+2 more
wiley +1 more source
Formation of the mechanism for credit asessment of borrowers in conditions of economic instability
The article investigates the state of the credit portfolio of banks in the conditions of instability of the environment and the development of the credit rating of the borrower as a mechanism to prevent the direction of growth of bad debts.
N.G. Vygovska+2 more
doaj
Star Advantage: Employee Value Creation and Capture in the Age of Artificial Intelligence
ABSTRACT The integration of generative artificial intelligence (AI) into knowledge work is fundamentally reshaping employee performance and value creation in ways that challenge conventional wisdom. Rather than performance disparities being reduced through AI adoption, we argue that they may increase as star employees leverage superior domain expertise
Matthew L. Call+2 more
wiley +1 more source
A Reversed Early Warning Methodology for Optimal Bank Profit Retention Recommendations
ABSTRACT This study introduces a calibration method for the newest policy instrument in prudential supervision by endogenising profit retention targets via a reversed early warning system, depending on the supervisors' risk tolerance, the exposure to the economy, and the level of financial pressure.
Petr Jakubik, Bogdan Gabriel Moinescu
wiley +1 more source
The great financial crisis and the behavior of the credit market in Brazil: Does control matter?
This paper investigates the effects of the great financial crisis on the behavior of the Brazilian credit market through a panel of 101 Brazilian banks.
Adriano Rodrigues+3 more
doaj
An analytic approach to credit risk of large corporate bond and loan portfolios [PDF]
André Lucas+3 more
openalex +1 more source
Dynamic Factor analysis of industry sector default rates and implication for Portfolio Credit Risk Modelling [PDF]
In this paper we use a reduced form model for the analysis of Portfolio Credit Risk. For this purpose, we fit a Dynamic Factor model, DF, to a large dataset of default rates proxies and macrovariables for Italy.
Andrea Cipollini, Giuseppe Missaglia
core
Bank Lending and Policy Interactions—A Comprehensive Assessment for the G20 Countries
ABSTRACT This study examines the joint impact from supervisory requirements, monetary policies and rescue packages on the supply of bank loans. Evidence is obtained from conceptual considerations and the empirical investigation of G20 banks over the period 1995–2021.
Dieter Gramlich, Meilan Yan, Dalu Zhang
wiley +1 more source