Results 131 to 140 of about 391,471 (255)
Economic Loan Loss Provision and Expected Loss [PDF]
The intention of a loss provision is the anticipation of credit's expected losses by adjusting the book values of the credits. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and if necessary, equity ...
Sebastian Ostrowski, Stefan Hlawatsch
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Corporate Social Responsibility and Environmental Management, EarlyView.ABSTRACT Why do firms subject to identical ESG reporting requirements nevertheless ‘speak’ the Social pillar in different ways? Some foreground numerical indicators; others rely on narrative accounts of policies, systems and stakeholder engagement. This variation in disclosure form, rather than in disclosure coverage, motivates this exploratory study ...
Laurence L. Delina, Leslie Anne L. Yasis
wiley +1 more source
What "triggers" mortgage default? [PDF]
This paper assesses the relative importance of two key drivers of mortgage default: negative equity and illiquidity. To do so, the authors combine loan-level mortgage data with detailed credit bureau information about the borrower's broader balance sheet.
Robert Hunt +5 more
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Responsible Banking Under Twin Transition: FinTech M&As, ESG Strategy, and Bank Performance
Corporate Social Responsibility and Environmental Management, EarlyView.ABSTRACT This paper investigates how banking innovation strategies, namely FinTech M&As and ESG practices, affect bank performance under rising competitive pressures and regulatory complexity. Using a unique dataset of 543 listed banks across 49 countries from 2000 to 2023, we analyse whether these strategic investments enhance banks' profitability ...
G. B. Ferilli, Y. Altunbas, E. Palmieri
wiley +1 more source
Is there Any Dependence Between Consumer Credit Line Utilization and Default Probability on a Term Loan? Evidence from Bank-Level Data [PDF]
Whereas recent studies on revolving lines of credit suggest a positive relationship between exposure at default and default probability on the line, this paper considers the relationship between two financial instruments through the simultaneous analysis
Georges Dionne +2 more
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Nested Carbon Governance in Southeast Asia: Towards Just Nature‐Based Solutions?
Environmental Policy and Governance, EarlyView.ABSTRACT Nature‐based solutions (NbS) have gained prominence as an integrated approach to addressing climate change and biodiversity loss while supporting sustainable development. Yet, their implementation across Southeast Asia remains fragmented and often contested.
Helena Varkkey +2 more
wiley +1 more source
Differences in subprime loan pricing across races and neighborhoods [PDF]
We investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and neighborhood- level
Ghent, Andra C. +2 more
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Energy Science &Engineering, EarlyView.A hybrid PV–wind grid‐connected microgrid for Mongla Port is optimized using HOMER Pro and validated via DIgSILENT quasi‐dynamic load flow. The system achieves a low cost of energy (0.0341 USD/kWh), 70.9% renewable penetration, improved voltage stability, and significant emission reduction, demonstrating a reliable and cost‐effective solution for ...
Md. Behesty Hasan Sagor +6 more
wiley +1 more source
Consensus-driven feature selection for transparent and robust loan default prediction. [PDF]
Sci RepAbbas G, Ying Z, Ayoubi M.
europepmc +1 more source
Pitfalls in modeling loss given default of bank loans [PDF]
The parameter loss given default (LGD) of loans plays a crucial role for risk-based decision making of banks including risk-adjusted pricing. Depending on the quality of the estimation of LGDs, banks can gain significant competitive advantage.
Gürtler, Marc, Hibbeln, Martin
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