Relevant bibliographies by topics / Adjusted Net Bank Credit

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Adjusted Net Bank Credit'

Author: Grafiati
Published: 4 June 2025
Last updated: 1 August 2025

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Journal articles on the topic "Adjusted Net Bank Credit"

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Dang, Thi Hai Yen, Le Thao Trang Pham, Thi Huong Nguyen, and Thi Hoang Anh Dao. "The Effect of Credit Risk on the Financial Performance of Commercial Banks in Vietnam." Vietnam Journal of Agricultural Sciences 7, no. 2 (2024): 2160–72. http://dx.doi.org/10.31817/vjas.2024.7.2.06.

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Creating credit is the main income-generating activity for banks. However, granting credit always comes with risks. Credit risk is the risk of losing part or all of a debt due to failure to pay on time or default. Credit risk is considered the most important risk affecting banking performance. Therefore, this study measured the effect of credit risk on the financial performance of Vietnamese commercial banks. The research sample was made up of 30 commercial banks in Vietnam during the period from 2017 to 2022. There were a total of 180 observations in the balanced data panel. To control for un
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DR, BHADRAPPA HARALAYYA, and S. AITHAL P. "PERFORMANCE AFFECTING FACTORS OF INDIAN BANKING SECTOR AN EMPIRICAL ANALYSIS." George Washington International Law Review, ISSN-1534-9977, E-ISSN-0748-4305 7, no. 1 (2021): 607–21. https://doi.org/10.5281/zenodo.5024152.

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There are several variables which can be used to assess the performance of banking sectors and its affecting factors as well as. Therefore, this study examines the performance affecting factors of selected 18 – public sector, 13 – private sector and 16 – foreign sector banks in India using panel data during 2005 – 2020. Return on assets and return on equity are used as proxy variables for measurement of bank’s performance and dependent variables in this study. Accordingly, capital adequacy ratio, net profit, return on investment adjusted to cost of funds, return o
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Chand, Shasnil Avinesh, Ronald Ravinesh Kumar, and Peter Josef Stauvermann. "Determinants of bank stability in a small island economy: a study of Fiji." Accounting Research Journal 34, no. 1 (2021): 22–42. http://dx.doi.org/10.1108/arj-06-2020-0140.

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Purpose This study aims to examine the determinants of bank stability based on three measures of bank stability while accounting for key bank-specific, macro-finance and structural variables. The aim is to underscore key indicators of stability that can be tracked by analysts, bank managers and regulators, especially in small economies such as Fiji. Design/methodology/approach The sample comprises a balanced panel of seven banking and financial institutions over the period 2000-2018. For consistency of data and similar functions in terms of deposit and loans, this paper considers five commerci
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D., Veena, and G. V. Bhavani Prasad Prof. "Priority Sector Lending by Public and Private Sector Banks in India." International Journal of Management and Humanities (IJMH) 4, no. 10 (2020): 127–34. https://doi.org/10.35940/ijmh.J0992.0641020.

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Priority Lending is critical to the inclusive growth in India. The credit distribution to the priority sectors is vital in ensuring that the economic growth is even and percolates down to all levels in the economy. RBI made it mandatory to the Scheduled Commercial Banks (SCB) in India for providing credit delivery to critical sectors identified as part of priority sector. RBI mandated all the banks should achieve the targets and sub targets of priority sector lending as minimum percent of Adjusted Net Bank Credit (ANBC) or Off - Balance sheet Exposure (OBE) whichever is higher. This paper aims
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Munandar, Aris. "PENGARUH KUALITAS AKTIVA PRODUKTIF DAN NET PERFORMING FINANCING (NPF) TERHADAP NET OPERATING MARGIN (NOM) BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE JUNI 2014 – MARET 2020." Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (2020): 1–12. http://dx.doi.org/10.36908/esha.v6i1.138.

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Net Operating Margin (NOM) is a ratio that is needed to improve the ability of banks to manage their entire productivity in order to produce a higher net. While Non-Performing Financing (NPF) is an indicator of credit risk (financing) of Islamic banks. Banks with high NPFs are less effective. Consider a bank with a lower NPF, more efficient. This study aims to look at the effect of Earning Asset Quality and Non-Performing Financing (NPF) on Net Operating Margin (NOM) in Sharia Commercial Banks and Sharia Business Units. The data used in this study is monthly coherent data from the period June
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Kumar Shetty H, Dr Mahesh. "Financial Inclusion through Priority Sector Lending: A Study on the Credit Delivery and Growth of MSMEs in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem43760.

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Financial inclusion is a critical driver of inclusive economic growth, particularly in developing economies like India, where access to formal financial services remains uneven. This study examines the role of Priority Sector Lending (PSL) as a strategic tool for achieving financial inclusion and fostering the growth of Micro, Small, and Medium Enterprises (MSMEs) in India. The Reserve Bank of India (RBI) mandates Scheduled Commercial Banks (SCBs) to allocate a specific percentage of their Adjusted Net Bank Credit (ANBC) to priority sectors, including MSMEs, which are pivotal to economic devel
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Vasilcovschi, Nicoleta, and Giovanni Verga. "An Empirical Analysis of the Central Bank of China's Monetary Policy and the Impact of its Communications on Market Interest Rates, Liquidity and Credit." Scientific Annals of Economics and Business 70, no. 4 (2023): 499–527. http://dx.doi.org/10.47743/saeb-2023-0035.

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As one of the largest world's economies, China’s economy plays an important role at regional and global levels. In this context, with the fast opening steps of the Chinese economy to international markets, the Chinese Central Bank (PBC or PBOC) has adjusted its mechanisms to the needs of local and international economies. Chinese monetary policy is designed to keep prices and economic growth stable and to ensure the country’s economic development. The Chinese Central Bank has a significant influence over Chinese interest rates, interbank rates, and changes in liquidity and credit. The main goa
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Laporšek, Suzana, Barbara Švagan, Mojca Stubelj, and Igor Stubelj. "Profitability Drivers in European Banks: Analyzing Internal and External Factors in the Post-2009 Financial Landscape." Risks 13, no. 1 (2024): 2. https://doi.org/10.3390/risks13010002.

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The paper examines the key determinants of European banks’ profitability by analyzing the return on assets (ROA), return on equity (ROE), net interest margin (NIM), and the risk-adjusted measures of profitability, RAROAA and RAROAE, across 34 European countries during the period from 2013 to 2018—a time characterized by economic recovery and significant regulatory reforms, including the implementation of Basel III standards. Using the Generalized Method of Moments (GMM) approach and data of 3076 European banks, the research addresses the complex interplay between internal (bank-specific) facto
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Lukovnikova, N. S. "Risks and Cybersecurity of Banking Business Entities in Russia." Mezhdunarodnaja jekonomika (The World Economics), no. 3 (March 18, 2025): 229–41. https://doi.org/10.33920/vne-04-2503-04.

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The article is devoted to the study of the problems of identifying and analyzing systemic, credit, inflation and other risks, including the regulation of cyber threats and the confrontation of Russian banking business entities with new challenges of the information war. The quantitative assessment of the dynamics of the number of banking business entities made it possible to identify trends in their reduction in 2024, which aff ects the narrowing of the boundaries of bank financing. The analysis of the net profit of the largest federal banks in Russia conducted in the article indicates a stron
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Kovaleva, Е. А., Т. V. Bogacheva, V. L. Snejko та A. S. Demidov. "Модели динамики предпринимательской активности при различных соотношениях маскулинности и индивидуализма". Vestnik of Russian New University. Series «Complex systems: models, analysis, management», № 4 (10 січня 2022): 88–94. http://dx.doi.org/10.18137/rnu.v9187.21.04.p.088.

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The paper deals with national cultures influence on economic performance. Main aim is to analyze the impact of national culture on entrepreneurial activity in various countries. The study explores Geert Hofstede’s cultural dimensions that allow assessing influence of main values and special features of mentality on behavioral patterns. The authors analyze an interaction between masculinity and individualism and a level of entrepreneurial activity in various countries by means of a multivariate correlation analysis. The authors use Total Early – stage Entrepreneurial Activity for entrepreneuria
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Dissertations / Theses on the topic "Adjusted Net Bank Credit"

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Winter, Söderberg Cristoffer, and Stephanie Göransson. "THE BANK CRISIS FINANCIAL RATIOS : A comparative research of the UK and Sweden during 2006-2010." Thesis, Högskolan i Halmstad, Sektionen för ekonomi och teknik (SET), 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-16409.

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The credit crunch that started the 9th of August 2007 is generally viewed as the most significant crisis to affect the financial markets and the global economy since the 1930s.The UK financial sector was heavily hit by the crisis which resulted in a dry up in lending and left a black hole in the British banks‟ finances. During the last quarter of 2010 the GDP shank unexpectedly with 0.5 percent from the third quarter which created concerns about going back into the recession. Contrarily, for Swedish economy 2010 was an impressing year with an unexpected GDP growth of 7, 3 percent in the last q
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Keleševová, Zuzana. "Ocenění společnosti pro potřeby bankovního financování." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2009. http://www.nusl.cz/ntk/nusl-222184.

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Způsoby stanovení hodnoty společnosti především za účelem bankovního financování jsou hlavním tématem této diplomové práce. Problematika oceňování společnosti je popsána jak z teoretické stránky věci, stejně jako z metodologické stránky věci. Práce popisuje specifika ocenění v závislosti na oboru podnikání a snaží se nalézt optimální řešení k úspěšnému úvěrovému řízení.
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Carapeto, Rui Filipe Cavaco. "Adaptação da metodologia de gestão do risco de crédito. CreditMetrics da J.P. Morgan." Master's thesis, 2000. http://hdl.handle.net/10400.5/18688.

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Instituto Superior de Economia e Gestão<br>Neste trabalho é proposta a aplicação prática de uma nova metodologia de gestão do risco de crédito, CreditMetrics da J.P.Morgan, a uma carteira de crédito pessoal, com determinação do valor cm risco ou VaR, complementada por um modelo de avaliação de operações de crédito que incorpora o risco. Após se ter procedido ao estabelecimento da relação entre as probabilidades de incumprimento (deduzidas a partir de um modelo de notação numérica, ou scoring, normalmente utilizado no processo de tomada de decisão do tipo de crédito referido) e as classes
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PAULUS, Jan. "Trh s hypotečními zástavními listy a trh hypotečních úvěrů." Master's thesis, 2008. http://www.nusl.cz/ntk/nusl-48985.

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This thesis deals with the problem of banks in connection with mortgage loans and mortgage bonds. Its main aim is the research and analysis ot the market with mortgage bonds and mortgage loans in the Czech and Slovak Republic. The work also takes into concern the so discussed integration of European mortgage markets. The thesis is divided into five chapters. The first two chapters are theoretical and are focused on the legislature and the feature of bonds and mortgage bonds. One of the components is the problem of mortgage banks and mortgage loans. The practical section is divided into three c
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Books on the topic "Adjusted Net Bank Credit"

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Fiordelisi, Franco, Corrado Meglio, Carlo Palego, et al. Pricing and risk adjusted measures. AIFIRM, 2021. http://dx.doi.org/10.47473/2016ppa00027.

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The issue of risk-based pricing of credit loans has become crucial for banking companies, in a context characterized by severe restriction of profitability margins also in relation to a level of market interest rates which in the Euro area is at its lowest. historical, now firmly in the negative area. The same European Authorities urge the adoption of adequate and consistent adjusted pricing frameworks with respect to the business model, risk profile and overall risk governance of the bank. The methodological and organizational process for determining the risk-adjusted pricing is further compl
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Coricelli, Fabrizio, and Marco Frigerio. Liquidity Squeeze on SMEs during the Great Recession in Europe. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198815815.003.0005.

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We find that European SMEs significantly increased their net trade credit to sales ratio during the Great Recession. For the aggregate of SMEs, trade credit did not provide any buffer to the contraction in bank loans. In fact, through increased net trade credit, SMEs suffered a squeeze in their liquidity and this phenomenon reflects the weak bargaining power of SMEs in their trade credit relationship with larger firms. Therefore, increased net trade credit by SMEs does not reflect an efficient reallocation of credit, and it calls for policy actions. These policy actions are highly relevant, gi
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Homburg, Stefan. A Study in Monetary Macroeconomics. Oxford University Press, 2017. http://dx.doi.org/10.1093/oso/9780198807537.001.0001.

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The Great Recession of 2008/09 and its aftermath present a major challenge to macroeconomics. Many researchers think that prevailing models fail to grasp essential aspects of recent developments, including unprecedented monetary policies and interest rates at the zero lower bound. Approaches that focus on steady states, rational expectations, and individuals planning over infinite horizons are not suitable for analyzing such abnormal situations. This text does not criticize the traditional approach but aims at improvement. The study’s distinctive feature is a rich institutional structure that
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Book chapters on the topic "Adjusted Net Bank Credit"

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Khoa, Duong Dang, Phan Thi Thanh Phuong, Nguyen Ngoc Thach, and Nguyen Van Diep. "How Credit Growth and Political Connection Affect Net Interest Margin of Commercial Bank in Vietnam: A Bayesian Approach." In Studies in Systems, Decision and Control. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-98689-6_47.

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Ho, Thomas S. Y., and Sang Bin Lee. "Investment Grade Corporate Bonds: Option Adjusted Spreads." In The Oxford Guide To Financial Modeling. Oxford University PressNew York, NY, 2004. http://dx.doi.org/10.1093/oso/9780195169621.003.0008.

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Abstract Corporations borrow money by issuing bonds, which are debts. They can be bank loans or short-term funding, including commercial paper. Or they can be medium term notes or private placements in which debts are issued to a restricted group of lenders. However, in this book, corporate bonds refer to public bond issues, available for any investor to buy and sell. This chapter will keep the discussion on credit risk to a minimum. The impact of the firm’s likelihood of default on the bond’s value will be discussed at greater length in chapter 9.
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Freixas, Xavier, and Bruno Parigi. "Contagion and Efficiency in Gross and Net Interbank Payment Systems." In Credit, Intermediation, and the Macroeconomy. Oxford University PressOxford, 2004. http://dx.doi.org/10.1093/oso/9780199242948.003.0014.

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Abstract The impressive growth in the value of daily interbank payments1 has raised concerns about the potential systemic risk induced by contagion. This effect, also known as the domino effect, occurs if the failure of a large financial institution to settle payment obligations triggers a chain reaction that threatens the stability of the financial system. (See, among others, Brimmer (1989).) The two main types of large-value interbank payment systems, “net” and “gross,” differ sharply in their exposure to contagion risk. In the former, netting the positions of the different banks through com
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Crook, Jonathan N., Lyn C. Thomas,, and Robert Hamilton. "The degradation of the scorecard over the business cycle." In Readings in Credit Scoring. Oxford University PressOxford, 2004. http://dx.doi.org/10.1093/oso/9780198527978.003.0015.

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Abstract The published literature on credit scoring has neither compared the characteristics of those who default nor the discriminating power of individual variables used to predict default, under different economic conditions. Similarly, scorecards constructed by credit-scoring agencies are estimated from data relating to two or three consecutive years for applications over 3-5 years before. The aim of this chapter is to explore the effects of changes in a scoring function over time on the classification of applicants into those likely to default and those not likely to default. Linear discr
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Raiysat, Kamran, and Humaira Younas. "Role of Microfinance Banks in Provision of Credit for Poverty Reduction in Pakistan." In Research Anthology on Microfinance Services and Roles in Social Progress. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-7552-2.ch035.

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Microfinance banks started their operations in Pakistan in 2000 and have been working over the years. This chapter mainly considers microfinance bank growth in the provision of credit for poverty reduction. Six hypotheses are developed to address the main issues under investigation in this study. Secondary data is used to calculate compound annual growth rate for the period 2011–2015. Results showed growth in microfinance banks (total assets and branch network) and provision of loans/credit (customers, gross advances, net advances and advance per customer). For better returns on investment and
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Raiysat, Kamran, and Humaira Younas. "Role of Microfinance Banks in Provision of Credit for Poverty Reduction in Pakistan." In Practice, Progress, and Proficiency in Sustainability. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7158-2.ch008.

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Microfinance banks started their operations in Pakistan in 2000 and have been working over the years. This chapter mainly considers microfinance bank growth in the provision of credit for poverty reduction. Six hypotheses are developed to address the main issues under investigation in this study. Secondary data is used to calculate compound annual growth rate for the period 2011–2015. Results showed growth in microfinance banks (total assets and branch network) and provision of loans/credit (customers, gross advances, net advances and advance per customer). For better returns on investment and
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Laureti, Lucio, Alberto Costantiello, Alessandro Massaro, and Angelo Leogrande. "The Role of Renewable Energy Consumption in Promoting Sustainability and Circular Economy." In Advances in Business Information Systems and Analytics. IGI Global, 2023. http://dx.doi.org/10.4018/979-8-3693-0049-7.ch024.

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In this chapter, the authors investigate the role of “renewable energy consumption” in the context of circular economy. They assume that the consumption of renewable energy is a proxy for the development of circular economy. They use data from the environmental, social, and governance (ESG) dataset of the World Bank for 193 countries in the period 2011-2020. They perform several econometric techniques (i.e., panel data with fixed effects, panel data with random effects, pooled ordinary least squares [OLS], weighted least squares [WLS]). The results show that “renewable energy consumption” is p
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"Appendix II Yongli Chemical Industries: Bank Loans, Credit Line, Net Profit, and Dividend 1917–1937." In Patriots' Game. BRILL, 2017. http://dx.doi.org/10.1163/9789004336384_013.

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Christos V, Gortsos. "Part I Origin and Context of Capital Requirements for European Credit Institutions, 1 Historical Evolution of Bank Capital Requirements in the European Union." In Capital and Liquidity Requirements for European Banks. Oxford University Press, 2022. http://dx.doi.org/10.1093/law/9780198867319.003.0001.

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This chapter provides an overview of the historical evolution of bank capital requirements and capital adequacy legislation in the European Union (EU) under the influence of international financial standards. It begins by reviewing bank capital adequacy requirements within the system of prudential banking regulation and dealing with the various sources of negative externalities in the banking system, the components of the so-called ‘bank safety net’. The chapter then looks at the international financial standards developed by the Basel Committee on Banking Supervision (BCBS) until the outbreak
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Sudha, R., G. Pooja, V. Revathy, and S. Dilip Kumar. "Enhanced Data Privacy Using Vertical Fragmentation and Data Anonymization Techniques." In Recent Trends in Intensive Computing. IOS Press, 2021. http://dx.doi.org/10.3233/apc210292.

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The use of online net banking official sites has been rapidly increased now a days. In online transaction attackers need only little information to steal the private information of bank users and can do any kind of fraudulent activities. One of the major drawbacks of commercial losses in online banking is fraud detected by credit card fraud detection system, which has a significant impact on clients. Fraudulent transactions will be discovered after the transaction is completed in the existing novel privacy models. As a result, in this paper, three level server systems are implemented to partit
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Conference papers on the topic "Adjusted Net Bank Credit"

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Ben Mnaouer, Adel, Marina M. Wanis, and Moayad Aloqaily. "Hierarchical Timed Colored Petri-Net Based Modeling and Evaluation of a Bank Credit Monitoring System." In 2019 IEEE/ACS 16th International Conference on Computer Systems and Applications (AICCSA). IEEE, 2019. http://dx.doi.org/10.1109/aiccsa47632.2019.9035329.

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Plopa, Silviu. "The banking system of the Republic of Moldova Sistemul bancar din Republica Moldova." In Simpozion Ştiinţific al Tinerilor Cercetători. Ediţia a 22-a. Academy of Economic Studies, 2025. https://doi.org/10.53486/sstc2024.v1.66.

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The restrictive monetary policies implemented by the National Bank of Moldova have significantly influenced the behavior of individuals regarding credit. These policies, by increasing interest rates and mandatory reserves, have led to reduced accessibility to credit for both the general population and businesses. Consequently, net lending to legal entities has witnessed a significant decline, negatively impacting the economy. Meanwhile, the liquidity surplus has increased substantially, indicating a trend of hoarding funds in deposits or reducing lending to the business sector. This situation
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Reports on the topic "Adjusted Net Bank Credit"

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Fritsch, Nicholas. Tail Sensitivity of US Bank Net Interest Margins: A Bayesian Penalized Quantile Regression Approach. Federal Reserve Bank of Cleveland, 2025. https://doi.org/10.26509/frbc-wp-202509.

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Bank net interest margins (NIM) have been historically stable in the US on average, but this stability deteriorated in the post-2020 period, particularly in the tails of the distribution. Recent literature disagrees on the extent to which banks hedge interest rate risk, and past literature shows that credit risk and persistence are also important considerations for bank NIM. I use a novel approach to Bayesian dynamic panel quantile regression to document heterogeneity in US bank NIM estimated sensitivities to interest rates, credit risk, and own persistence. I find increased sensitivity to int
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Pirateque-Niño, Javier Eliecer, Daniela Rodríguez-Novoa, and José Hernán Piñeros-Gordo. Does monetary policy affect the net interest margin of credit institutions? Evidence from Colombia. Banco de la República, 2022. http://dx.doi.org/10.32468/be.1197.

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This paper analyzes empirically the relationship between monetary policy interventions and the net interest margin of Colombian credit institutions for the 2003 – 2019 period. Considering the endogeneity problem that arises when analysing this relationship, we calculate a series of monetary policy shocks as the residuals of regressing the monetary policy rate on a set of quantifiable variables that the Central Bank of Colombia’s Board of Directors had at each of its monetary policy meetings. Thereafter, we conduct a panel regression analysis in which we relate these shocks, and a set of macroe
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Rosenberger, Grant E., and Peter Zimmerman. Interest Rate Risk at US Credit Unions. Federal Reserve Bank of Cleveland, 2024. http://dx.doi.org/10.26509/frbc-wp-202403.

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Rising interest rates have prompted concerns about losses on bank assets, especially following the failure of Silicon Valley Bank (SVB) in March 2023. In this working paper, we examine whether US credit unions could be subject to similar losses as banks and analyze how their regulatory capital would be affected. We estimate that after realizing losses from assets that have decreased in value and not yet been sold the overall net worth of the credit union industry would have fallen by 40 percent in 2023:Q1. Unrealized losses were most severe at the largest credit unions. Nonetheless, the bulk o
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Abad, Jorge, David Martínez-Miera, and Javier Suárez. A macroeconomic model of banks’ systemic risk taking. Banco de España, 2024. http://dx.doi.org/10.53479/37914.

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We study banks’ systemic risk-taking decisions in a dynamic general equilibrium model, highlighting the macroprudential role of bank capital requirements. Banks decide on their unobservable exposure to systemic shocks by balancing risk-shifting gains against the value of preserving their capital after such shocks. Capital requirements reduce systemic risk taking, but at the cost of reducing credit and output in calm times, generating welfare trade-offs. We find that systemic risk taking is maximal after long periods of calm and may worsen if capital requirements are countercyclically adjusted.
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Gelain, Paolo, Marco Lorusso, and Saeed Zaman. Oil Price Fluctuations and US Banks. Federal Reserve Bank of Cleveland, 2024. http://dx.doi.org/10.26509/frbc-wp-202411.

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We document a sizable effect of oil price fluctuations on US banking variables by estimating an SVAR with sign restrictions as in Baumeister and Hamilton (2019). We find that oil market shocks that lead to a contraction in world economic activity unambiguously lower the amount of bank credit to the US economy, tend to decrease US banks' net worth, and tend to increase the US credit spread. The effects can be strong and long-lasting, or more modest and short-lived, depending on the source of the oil price fluctuations. The effects are stronger for smaller and lower leveraged banks.
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Rojas-Suárez, Liliana, Arturo Galindo, and Alejandro Izquierdo. Financial Integration and Foreign Banks in Latin America: How Do They Impact the Transmission of External Financial Shocks? Inter-American Development Bank, 2010. http://dx.doi.org/10.18235/0010925.

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This paper explores the impact of international financial integration on credit markets in Latin America, using a cross-country dataset covering 17 countries between 1996 and 2008. It is found that financial integration amplifies the impact of international financial shocks on aggregate credit and interest rate fluctuations. Nonetheless, the net impact of integration on deepening credit markets dominates for the large majority of states of nature. The paper also uses a detailed bank-level dataset that covers more than 500 banks for a similar time period to explore the role of financial integra
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Bonilla-González, Ricardo, Olga Lucía Acosta-Navarro, Roberto Steiner-Sampedro, et al. Report of the Board of Directors to the Congress of Colombia, March 2024. Banco de la República, 2024. http://dx.doi.org/10.32468/inf-jun-dir-con-rep-eng.03-2024.

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In 2023, the Colombian economy made progress in the macroeconomic adjustment required to achieve growth compatible with its productive capacity and external and price stability. This adjustment was reflected in the beginning of the convergence of inflation towards the target, which closed the year at 9.3%. This adjustment is an important step forward in the Board of Directors’ (BDBR) intention to drive inflation toward its target by mid-2025. Net foreign reserves increased and at the end of 2023 reached USD 59,608.3 million, and Banco de la República’s (the Central Bank of Colombia, Banrep) pr
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Guevara-Castañeda, Diego Alejandro, Leonardo Villar-Gómez, Olga Lucía Acosta-Navarro, et al. Report of the Board of Directors to the Congress of Colombia, February 2025. Banco de la República, 2025. https://doi.org/10.32468/inf-jun-dir-con-rep-eng.01-2025.

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Abstract:
In 2024, the macroeconomic adjustment process continued, characterized by a sustained reduction in inflation that began in 2023 and a decline in the current account deficit of the balance of payments. This adjustment took place in the context of a contractionary monetary policy, with a gradual reduction in the monetary policy interest rate. GDP grew by 1.7%, driven by investment and consumption, while employment increased by 2.2%. Foreign reserves remained at adequate levels, and Banco de la República recorded a profit of COP 10,041 billion, benefiting from the returns on foreign reserves. Mac
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9

Financial Stability Report - First Half of 2023. Banco de la República, 2024. http://dx.doi.org/10.32468/rept-estab-fin.sem1.eng-2023.

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Banco de la República’s main goal is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system channels domestic savings and evaluates and manages the financial risks in a way that facilitates the performance of the economy and efficient allocation of resources while, at th
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10

Financial Stability Report - Second Semester of 2021. Banco de la República, 2022. http://dx.doi.org/10.32468/rept-estab-fin.sem2.eng-2021.

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Abstract:
Banco de la República’s main objective is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system assesses and manages the financial risks in a way that facilitates the economy’s performance and efficient allocation of resources while, at the same time, it is able to, on
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Journal articles
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