Bank Lending And Bank Capital

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Bank Capital And Lending An Extended Framework And Evidence Of Nonlinearity

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Author : Mr.Mario Catalan
language : en
Publisher: International Monetary Fund
Release Date : 2017-11-16

Bank Capital And Lending An Extended Framework And Evidence Of Nonlinearity written by Mr.Mario Catalan 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 2017-11-16 with Business & Economics categories.

This paper studies the transmission of bank capital shocks to loan supply in Indonesia. A series of theoretically founded dynamic panel data models are estimated and find nonlinear effects of capital on loan growth: the response of weaker banks to changes in their capital positions is larger than that of stronger banks. This non-linearity implies that not only the level of capital but also its distribution across banks in the financial system affects the transmission of shocks to aggregate lending. Likewise, the effects of bank recapitalization on loan growth depend on banks’ starting capital positions and the size of capital injections.

Bank Lending And Bank Capital

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Author : Robert R. Moore
language : en
Publisher:
Release Date : 1994

Bank Lending And Bank Capital written by Robert R. Moore and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Bank capital categories.

Bank Capital And Bank Lending Evidence From Germany

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Author : Lai Chu
language : de
Publisher: GRIN Verlag
Release Date : 2021-01-27

Bank Capital And Bank Lending Evidence From Germany written by Lai Chu and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-01-27 with Business & Economics categories.

Bachelorarbeit aus dem Jahr 2019 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,0, Johann Wolfgang Goethe-Universität Frankfurt am Main, Sprache: Deutsch, Abstract: This bachelor’s thesis is dealing with the relationship between Capital Ratios and lending behaviour of banks with the focus on the German banks. After the financial crisis in 2008/9, the assets of banks took severe losses and threatened the banks on the brink of bankruptcy. Afterwards the regulation of banks and its capital ratios became stricter. This regulation and requirement have an impact on the lending behaviour of banks and forced them to rethink the construction of their assets due to the maintaining of a regulated capital ratio. There are two different ways on approaching it. The first is by either adjusting their risk-weighted assets or the second is by increasing their levels of regulatory capital. This approaches led to different lending behaviours of the banks because loans are a main component of risk-weighted assets and assets in general. Nowadays there is a debate whether the new regulation is the reason why banks are lending less money than in the past and three scientific papers, which will be reviewed, have different arguments and different perspectives. The goal of this thesis is to take a look on assets, loans and capital ratios of German banks, compare and analyse them throughout the years in order to give an answer on the question whether capital ratios and the requirements have an impact on the lending of these banks. The first step is to give some insights about the definitions of the reviewed bank types in Germany and their business models, different ratios and their structure and how they are connected to the regulatory standard Basel III. Secondly, I will give a literature review and then the thesis will give an examination of a given data set about German banks. I lay my focus on the commercial banks and the so called “Sparkassen” (savings banks in Germany). By working with them, I want to find out a correlation between capital ratios and loan growths and provide a descriptive statistic about my calculations. I will also distinguish between small and large banks and analyse them separately in order to see if their behaviours differ from each other and if we are able to conclude that the size of their assets matters. In the end, the thesis will provide an analysis, which also involves the findings of the papers, of the results I found out and I will see if my analysis and thesis are agreeing with the statements of the papers.

Basel Iii And Bank Lending Evidence From The United States And Europe

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Author : Mr.Sami Ben Naceur
language : en
Publisher: International Monetary Fund
Release Date : 2017-11-15

Basel Iii And Bank Lending Evidence From The United States And Europe written by Mr.Sami Ben Naceur 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 2017-11-15 with Business & Economics categories.

Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the “credit crunch” in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks’ characteristics and behaviors when implementing new regulatory policies.

The Role Of Bank Capital In Bank Holding Companies Decisions

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Author : Mr.Adolfo Barajas
language : en
Publisher: International Monetary Fund
Release Date : 2015-03-16

The Role Of Bank Capital In Bank Holding Companies Decisions written by Mr.Adolfo Barajas 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 2015-03-16 with Business & Economics categories.

This paper examines the role of bank capital in decision-making by bank holding companies (BHCs) in the United States. Following Chami and Cosimano’s (2001) call option approach to bank capital, BHCs optimally choose the amount of capital to insure the bank against becoming capital constrained in the future. We provide empirical support for this model, and find that a higher optimal level of capital leads to higher loan rates. Furthermore, higher loan rates result in lower amounts of lending. Thus, an increase in capital requirements is likely to lead to higher loan rates and a significant reduction in lending.

The Effects Of Bank Capital On Lending

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Author : Jose M. Berrospide
language : en
Publisher:
Release Date : 2016

The Effects Of Bank Capital On Lending written by Jose M. Berrospide and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.

The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. We use panel-regression techniques - following Bernanke and Lown (1991) and Hancock and Wilcox (1993, 1994) - to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. We then consider the effect of capital ratios on lending using a variant of Lown and Morgan's (2006) VAR model, and again find modest effects of bank capital ratio changes on lending. These results are in marked contrast to estimates obtained using simple empirical relations between aggregate commercial-bank assets and leverage growth, which have recently been very influential in shaping forecasters' and policymakers' views regarding the effects of bank capital on loan growth. Our estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments.

Creditor Country Regulations And Commercial Bank Lending To Developing Countries

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Author : Asl? Demirgüç-Kunt
language : en
Publisher: World Bank Publications
Release Date : 1992

Creditor Country Regulations And Commercial Bank Lending To Developing Countries written by Asl? Demirgüç-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with categories.

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.

International Convergence Of Capital Measurement And Capital Standards

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Author :
language : en
Publisher: Lulu.com
Release Date : 2004

International Convergence Of Capital Measurement And Capital Standards written by and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Bank capital categories.

The Effects Of Higher Bank Capital Requirements On Credit In Peru

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Author : Xiang Fang
language : en
Publisher: International Monetary Fund
Release Date : 2018-09-28

The Effects Of Higher Bank Capital Requirements On Credit In Peru written by Xiang Fang 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 2018-09-28 with Business & Economics categories.

This paper offers novel evidence on the impact of raising bank capital requirements in the context of an emerging market: Peru. Using quarterly bank-level data and exploiting the adoption of bank-specific capital buffers, we find that higher capital requirements have a short-lived, negative impact on bank credit in Peru, although this effect becomes statistically insignificant in about half a year. This finding is robust to estimating different specifications to address concerns about the exogeneity of capital requirements. The fact that the reform was gradual and pre-announced and that banks were highly profitable at the time could explain the short-lived effects on credit.