Bank Balance Sheets And The Value Of Lending
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Bank Balance Sheets And The Value Of Lending
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Author : Mr.Jiaqian Chen
language : en
Publisher: International Monetary Fund
Release Date : 2017-05-05
Bank Balance Sheets And The Value Of Lending written by Mr.Jiaqian Chen and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-05-05 with Business & Economics categories.
We study 1,400 UK syndicated loans, together with the financial history of the lead bank and the borrowing firm. We interpret abnormal equity returns around loan announcements as the value of the lending relationship to the firm. We find that: (i) Consistent with previous evidence, the value of lending is higher when the firm is riskier or more opaque, suggesting that it primarily reflects the lead bank’s screening and monitoring activities. (ii) As a bank becomes larger, more profitable or more capitalized, the value of its loans first increases and then decreases. The largest, most capitalised or most profitable banks do not give the most valuable loans. (iii) Firms which receive low-value loans are more likely to experience low profitability and financial distress during the lending relationship. By relating the state of bank balance sheets to borrower performance, we offer a new angle to evaluate the impact of financial conditions on the real economy.
Balance Sheets And The Lending Banker
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Author : James Harold Clemens
language : en
Publisher: Routledge
Release Date : 1968
Balance Sheets And The Lending Banker written by James Harold Clemens and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 1968 with Business & Economics categories.
Balance Sheets And The Lending Banker
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Author : James Harold Clemens
language : en
Publisher: Routledge
Release Date : 1977
Balance Sheets And The Lending Banker written by James Harold Clemens and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Bank credit categories.
Accounting Discretion Of Banks During A Financial Crisis
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Author : Mr.Luc Laeven
language : en
Publisher: International Monetary Fund
Release Date : 2009-09-01
Accounting Discretion Of Banks During A Financial Crisis written by Mr.Luc Laeven and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-09-01 with Business & Economics categories.
This paper shows that banks use accounting discretion to overstate the value of distressed assets. Banks' balance sheets overvalue real estate-related assets compared to the market value of these assets, especially during the U.S. mortgage crisis. Share prices of banks with large exposure to mortgage-backed securities also react favorably to recent changes in accounting rules that relax fair-value accounting, and these banks provision less for bad loans. Furthermore, distressed banks use discretion in the classification of mortgage-backed securities to inflate their books. Our results indicate that banks' balance sheets offer a distorted view of the financial health of the banks.
Cleaning Up Bank Balance Sheets
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Author : José Garrido
language : en
Publisher: International Monetary Fund
Release Date : 2016-09-08
Cleaning Up Bank Balance Sheets written by José Garrido and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-08 with Business & Economics categories.
To stabilize and bring down nonperforming loans (NPLs) in the Italian banking system, the Italian authorities have been implementing a number of reforms, aimed among others at speeding up insolvency and enforcement proceedings, strengthening bank corporate governance, cleaning up balance sheets, and facilitating bank consolidation. This paper examines the Italian banking system’s NPL problem, which ties up capital, weighing on bank profitability and authorities’ economic reforms. It argues for a comprehensive approach, encompassing economic, supervisory, and legal measures. The authorities’ reforms are important steps toward this end. The paper describes measures that could further support their actions.
Credit Appraisal Analysis Of Financial Statements
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Author : R.K.GUPTA
language : en
Publisher: Notion Press
Release Date : 2017-08-02
Credit Appraisal Analysis Of Financial Statements written by R.K.GUPTA and has been published by Notion Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-08-02 with Education categories.
This is the first book for bankers and finance managers on credit appraisal with analysis of financial statements in very simple language coveringvarious problems being faced by the officers of almost all banks specificallyafter introduction of Company Act 2013. The book has been updated to30.06.2017. Mounting NPAs & disciplinary actions in the banks are reportedto be a result of weak appraisal. This book has covered all such aspects tounderstand logically with all ins and outs of appraisal along with financialstatements. It will prove to be a bible for all officers who are working in banksbut have no background of banking terminologies and its technical aspectswith logical understanding besides finance officers.
Firm Investment And Balance Sheet Problems In Japan
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Author : Mr.Toshitaka Sekine
language : en
Publisher: International Monetary Fund
Release Date : 1999-08-01
Firm Investment And Balance Sheet Problems In Japan written by Mr.Toshitaka Sekine and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-08-01 with Business & Economics categories.
This paper investigates whether balance-sheet conditions of firms and their main banks matter for firm investment behavior using dynamic corporate panel data in Japan for the period 1985-95. It finds that smaller non-bond issuing firms were facing liquidity constraints; these firms’ balance-sheet conditions (the debt asset ratios) affected their investment from the midst of the bubble era by influencing main banks’ lending to them; and the deterioration of their main banks’ balance-sheet conditions constrained these firms’ investment from about 1993. These findings highlight the potential macroeconomic impact and importance of the credit channel of monetary policy, and support the case of a credit crunch facing small Japanese firms during this period.
Bank Lending In The Knowledge Economy
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Author : Mr.Giovanni Dell'Ariccia
language : en
Publisher: International Monetary Fund
Release Date : 2017-11-07
Bank Lending In The Knowledge Economy written by Mr.Giovanni Dell'Ariccia and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-07 with Business & Economics categories.
We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
Asset Based Lending
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Author : Peter S. Clarke
language : en
Publisher: Kevin Lee
Release Date : 2017-11-15
Asset Based Lending written by Peter S. Clarke and has been published by Kevin Lee this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-15 with Business & Economics categories.
This new, third edition, has added many updates regarding critical asset-based collateral subjects and issues, including regulatory Uniform Commercial Code (UCC) changes and more. Asset-based lending, or the extension of credit against company's balance sheet assets on a collateral margin basis, is a rapidly growing field in the lending arena - thanks to better controls and understanding as well as the intensification of non-bank competition in the field. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral monitoring and much more, including: - Cash collateral accounts, commingling funds and controlling payments and advances - Completing notes, security agreements and other documents - Accounts receivable and inventory lending - Chattel paper, notes, machinery and equipment - Direct and third party leasing - Collateral field examinations - Factoring
The Bank Valuation Handbook
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Author : Hazel J. Johnson
language : en
Publisher: Irwin Professional Publishing
Release Date : 1993
The Bank Valuation Handbook written by Hazel J. Johnson and has been published by Irwin Professional Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Bank marketing categories.