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Relevant bibliographies by topics / Bank lending activity

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Academic literature on the topic 'Bank lending activity'

Author: Grafiati

Published: 11 September 2021

Last updated: 11 February 2022

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Journal articles on the topic "Bank lending activity"

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Akhtar, Yasmeen, Ghulam Mujtaba Kayani, and Tahir Yousaf. "The Effects of Regulatory Capital Requirements and Ownership Structure on Bank Lending in Emerging Asian Markets." Journal of Risk and Financial Management 12, no. 3 (2019): 142. http://dx.doi.org/10.3390/jrfm12030142.

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This study examines the impact of regulatory capital requirements and ownership structure on bank lending in Emerging Asian Markets. The findings of the study imply that banks with excess capital are less affected by capital constraints and enjoy opportunities to extend their credit portfolios. The monitory policy indicator has the expected negative and significant impact on bank lending. In case of well-capitalized banks, the interaction between the excess capital and monetary policy indicator has a significant positive relation with bank lending, which means that banks with excess capital ha

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Nguyen Thi Hong, Vinh. "The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam." Journal of Asian Business and Economic Studies 24, no. 03 (2017): 27–44. http://dx.doi.org/10.24311/jabes/2017.24.3.06.

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The aim of this study is to investigate the impact of non-performing loans on profitability and lending behavior, using an empirical framework that examines whether an increase of NPLs can lead banks to reduce their profitability and lending activity. To account for profit and lending persistence, the paper applies the Generalized Method of Moments technique for dynamic panels using bank-level data for 34 Vietnamese commercial banks over the period from 2005 to 2015. Throughout the whole sample, we find some evidence that the non-performing loan has a statistically significant negative effect

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Marzai Abliz, Elda. "The impact of lending on bancassurance activity." Proceedings of the International Conference on Business Excellence 13, no. 1 (2019): 171–81. http://dx.doi.org/10.2478/picbe-2019-0016.

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Abstract Due to financial crisis, and especially because of prudence in lending (retail, micro, and corporate), banks are looking for new sources of income, and bancasurance is clearly a potential source of revenue. Thus, in the financial market, the interests of two major components of it are met: banks maximize commission income, and insurers make access to the large customer base of banks. Bancassurance is a distribution channel of insurance products through bank branches, bringing important advantages for banks, insurance companies and customers. The main advantage for the bank is that ear

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Zabchuk, Halyna. "ACTIVATION OF BANKING LENDING OF THE REAL SECTOR OF ECONOMY AS A PRECONDITION OF RESTORATION OF ECONOMIC GROWTH." Economic Analysis, no. 28(1) (2018): 172–77. http://dx.doi.org/10.35774/econa2018.01.172.

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Introduction. The article deals with the main problems of bank lending. The proposals on the activation of bank lending in the real sector of the economy are substantiated. Purpose. The article aims to study the factors that restrain bank lending to the real sector, and to determine the directions of lending activating of the real sector of the economy by domestic banks. Method (methodology). The research has been conducted with the help of general scientific methods of analysis, namely, method of induction, method of deduction, method of systematization and generalization. Results. Economic g

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Khalatur, Svitlana, Kateryna Zhylenko, Yuliia Masiuk, Liudmyla Velychko, and Mykola Kravchenko. "Assessment of bank lending diversification in Ukraine." Banks and Bank Systems 13, no. 3 (2018): 141–50. http://dx.doi.org/10.21511/bbs.13(3).2018.14.

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At the present stage, commercial banks conduct their activities under constantly changing general economic, social and political conditions, which influence the reliability and efficiency of banking institutions performance. Nowadays, the problems of comprehensive assessment of the efficiency of main banking operations as well as the reliability of the Ukrainian banking system became relevant.The purpose of the paper is to study the current state and diversification of bank lending in Ukraine, the problems that arise in the national economy due to the deteriorating performance of the banking s

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Hlushchenko, Svitlana, Sergiy Ivakhnenkov, and Sofiia Demkiv. "BANK LENDING IN UKRAINE AND SIMULATION OF CREDIT ACTIVITY BY METHODS OF SYSTEM DYNAMICS." Ekonomìka ì prognozuvannâ 2021, no. 2 (2021): 101–27. http://dx.doi.org/10.15407/eip2021.02.101.

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The article identifies trends in bank lending to companies and households in Ukraine and considers modeling and integrated mapping of demand and supply of bank loans using the methods of system dynamics. The article shows that by 2020 the main trends in the Ukrainian banking sector are: a) increased dynamics of return on capital (29.7%) and reduced dynamics of interest rates on deposits (6.6%) and loans (14.8%); b) growth of the dynamics of bank loans in general, including the following characteristics: the largest share of the bank loan portfolio is accounted for by loans to economic entities

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Olszak, Małgorzata, Mateusz Pipień, and Sylwia Roszkowska. "The impact of capital ratio on lending of EU banks – the role of bank specialization and capitalization." Equilibrium 11, no. 1 (2016): 43. http://dx.doi.org/10.12775/equil.2016.002.

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In this paper we aim to find out whether bank specialization and bank capitalization affect the relationship between loans growth and capital ratio, both in expansions and in contractions. We hypothesize that the impact of bank capital on lending is relatively strong in cooperative banks and savings banks. We also expect that this effect is nonlinear, and is stronger in “low” capital banks than in “high” capital banks. In order to test our hypotheses, we apply the two-step GMM robust estimator for data spanning the years 1996–2011 on individual banks available in the Bankscope database. Our an

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Huber, Kilian. "Disentangling the Effects of a Banking Crisis: Evidence from German Firms and Counties." American Economic Review 108, no. 3 (2018): 868–98. http://dx.doi.org/10.1257/aer.20161534.

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Lending cuts by banks directly affect the firms borrowing from them, but also indirectly depress economic activity in the regions in which they operate. This paper moves beyond firm-level studies by estimating the effects of an exogenous lending cut by a large German bank on firms and counties. I construct an instrument for regional exposure to the lending cut based on a historic, postwar breakup of the bank. I present evidence that the lending cut affected firms independently of their banking relationships, through lower aggregate demand and agglomeration spillovers in counties exposed to the

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Ongena, Steven. "Lending Relationships, Bank Default and Economic Activity." International Journal of the Economics of Business 6, no. 2 (1999): 257–80. http://dx.doi.org/10.1080/13571519984269.

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Lin, Leming. "Bank Deposits and the Stock Market." Review of Financial Studies 33, no. 6 (2019): 2622–58. http://dx.doi.org/10.1093/rfs/hhz078.

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Abstract I show that households’ demand for retail deposits decreases during stock market booms, which induces a contraction in bank lending and a decrease in real activity in bank-dependent firms. I identify this channel using geographic heterogeneity in households’ stock market participation. Banks in areas with greater stock ownership see a greater reduction in deposit growth when stock returns are high. This holds even across branches of the same bank and across ZIP codes within counties. Counties served by banks financed by more stock-active depositors see a greater decline in bank lendin

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Dissertations / Theses on the topic "Bank lending activity"

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Afonso, Ana Sofia Aguiar. "Do financial derivatives have an impact on bank lending? : evidence from European Union commercial banks from 2013 to 2017." Master's thesis, 2019. http://hdl.handle.net/10400.14/29046.

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The present Dissertation’s academic research question addresses the impact of the use of derivatives on bank lending activity for European Union commercial banks between yearly periods from 2013 to 2017. In order to address the latter research question, this document’s empirical research strategy employs panel data estimation, using a strongly balanced panel dataset. The banking data is extracted from ORBIS® BankFocus and the sample is composed by one hundred and fifteen banks. Once the baseline findings are obtained, further three robustness checks are also performed, namely for: i) different

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Beer, Alida Maria de. "Exploring the optimal utilization of locational banking statistics data by a national central bank : the South African perspective." Master's thesis, 2017. http://hdl.handle.net/10362/25016.

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Project Work presented as the partial requirement for obtaining a Master's degree in Statistics and Information Management, specialization in Information Analysis and Management<br>The financial crisis that emerged in 2008 highlighted the importance of tracking global vulnerabilities through joint analysis of data covering many financial institutions. Locational banking statistics (LBS) were designed to provide comprehensive and consistent data on the banking systems’ funding and lending patterns (BIS, 2014) . The main purpose of the data is to provide information on the role of banks and

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Books on the topic "Bank lending activity"

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Lang, William. "Flight to quality" in bank lending and economic activity. FederalReserve Bank of Philadelphia, Economic Research Division, 1992.

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Office, General Accounting. Financial audit: DOE uranium enrichment activity financial statements: September 30, 1984 : report to the Secretary of Energy. The Office, 1986.

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Peydró, José Luis, Andrea Polo, and Enrico Sette. Securities Trading and Lending in Banks. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198815815.003.0022.

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Since the beginning of the financial crisis, academics and regulators on both sides of the Atlantic have started to debate the implications of securities trading by banks. New regulation limits security trading, fearing that this could crowd out lending to the real economy or could facilitate risk-shifting by financial institutions. On the other hand, banks may use security trading for hedging purposes or, particularly during a crisis, to access public liquidity. Only very recently have researchers begun to have access to micro data at the security level on banks’ trading activities, and they

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Brei, Michael, and Alfredo Schclarek. The Countercyclical Behaviour of National Development Banks in Latin America and the Caribbean. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198827948.003.0011.

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This chapter investigates the cyclical lending patterns of national development banks (NDBs), comparing their lending activity with that of public, foreign, and domestic private banks over the period of 1995–2014. It finds robust evidence that national development and public retail-oriented banks have counteracted the slowdown in the lending activity of private banks during crises by significantly increasing their provision of loans. This is particularly important when considering productive lending to the corporate sector. NDBs’ size, governance structure, and financial conditions are crucial

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Book chapters on the topic "Bank lending activity"

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Gumata, Nombulelo, and Eliphas Ndou. "The Lending-Deposit Rate Spread and the Bank Pricing Behavior." In Bank Credit Extension and Real Economic Activity in South Africa. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-43551-0_10.

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Lie, Einar. "The Government’s Bank." In Norges Bank 1816-2016. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780198860013.003.0011.

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This chapter explores the emergence of ‘credit policy’, which more or less completely replaced ‘monetary policy’ as a key concept among experts and politicians. The term implied a shift in focus from aggregates that had previously been at the core of central bank activity—money, liquidity, and interest rates, as a means to control inflation and output—to loans facilitating specific types of economic activities. Credit policy mainly became a process for regulating aggregate lending and allocating the credit to various sectors of the economy. When starting to conduct credit policies, the authorities needed both a formal and informal system for regulating and allocation of loans, and some principles for prioritizing between potential credit customers. Both challenges came to engage government ministries, while Norges Bank sought to find a role in the implementation and management of the emerging system. In practice, Norges Bank became the government’s bank, as part of its key policy apparatus. The central bank governor, Gunnar Jahn, wanted another policy and a freer role but adapted to the new reality that was forced upon Norges Bank. When he stepped down in 1954, Norges Bank was among the least influential of the central banks in western Europe.

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Alborn, Timothy. "Trade." In All That Glittered. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780190603519.003.0005.

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After 1820, most Britons recognized that the tight money supplies created by the gold standard had the effect of periodically depressing economic activity. These downturns also linked gold to poor harvests, since grain imports drained the metal from the Bank of England, and protectionists predicted disastrous consequences for the country under free trade, owing to the additional strains that such imports would place on gold reserves. This chapter places these mercantilist anxieties in the context of older fears of bullion drains to India and China, since the arguments in the 1830s echoed earlier Orientalist ethnographies, and examines the liberal response, which tried to divert attention away from gold and toward the Bank’s lending practices. Class fissures widened in a political system that secured the fortunes of financiers (through the gold standard) and landed aristocrats (through the Corn Laws) but left factory owners and urban laborers on the outside looking in.

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Goletsis, Y., C. Papaloukas, Th Exarhos, and C. D. Katsis. "Bankruptcy Prediction through Artificial Intelligence." In Machine Learning. IGI Global, 2012. http://dx.doi.org/10.4018/978-1-60960-818-7.ch320.

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Bankruptcy prediction or corporate failure is considered a classic issue in both, academic and business communities. Bankruptcy risk is one of the most important factors (if not the most important one) to be considered when credit requests are screened or even existing debtors are evaluated. On the other hand, all potential stakeholders (shareholders, suppliers, customers, employees, creditors, auditors, etc.) have potential interest to identify if a company is on a trajectory that is tending towards failure. Commercial banks, public accounting firms and other institutional entities (e.g., bond rating agencies) appear to be the primary beneficiaries of accurate bankruptcy prediction, since they can use research results to minimize exposure to potential client failures. In addition to avoiding potentially troubled obligors, the research can also benefit in other ways. It can help in accurately assessing the credit risk of bank loan portfolios. Credit risk has been the subject of much research activity, since the regulators are acknowledging the need and are urging the banks to assess the credit risk in their portfolios. Measuring the credit risk accurately also allows banks to engineer future lending transactions, so as to achieve targeted return/risk characteristics. The other benefit of the prediction of bankruptcies is for accounting firms. If an accounting firm audits a potentially troubled firm, and misses giving a warning signal then it faces costly lawsuits (Atiya, 2001). A series of techniques have been applied in literature. Econometric / statistical methods have first appeared in literature: In late 1960’s (multiple) discriminant analysis (DA) was the dominant method; during the 1980’s logistic analysis. In the 1990’s artificial intelligence starts appearing in financial literature with neural networks (Odom & Sharda 1990) serving as an alternative to statistical methods demonstrating promising results. The goal of this chapter is therefore two-fold: First, it intends to give an overview of the artificial intelligence techniques successfully applied to the problem, ranging from the first neural network applications to recent applications of biologically inspired algorithms, such as genetic algorithms. Then, two kernel based methods, namely the Radial Basis Function Neural Networks and the Support Vector Machines are applied to the bankruptcy problem.

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Ullah, Md Hafij, and Parvez Mia. "How Green Is the Green Banking Investment in Bangladesh?" In Global Approaches to Sustainability Through Learning and Education. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-0062-0.ch018.

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The banking sector plays a critical role in economic development while its activities are also equally responsible for social and environmental damage such as violation of human rights, loss of biodiversity, and climate change in Bangladesh. A careful examination of investing and financing activities disclosed in annual reports of 35 selected banks suggest that, while banks are taking several in-house and external green initiatives, many of them are also actively investing and funding projects like shipbreaking that threaten environmental sustainability and are prone to human rights violation. This chapter urges the government, policymakers, and central bank in developing policies and regulating banks; stakeholders in understanding banks' commitment and actions to safeguard the environment and human rights; and managers in measuring, reporting, and mitigating the social and environmental impact through their current and future lending policies.

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Bircan, Çağatay, and Orkun Saka. "Elections and Economic Cycles." In Crony Capitalism in the Middle East. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780198799870.003.0011.

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This chapter studies the presence of political cycles in Turkey’s recent economic history. It first discusses the incentives and the ability of the central government to engage in opportunistic behavior to boost economic activity around local elections. It then describes how the tools available to the government on the fiscal and banking fronts have changed since the 2001 crisis. The chapter documents suggestive evidence that state-owned banks engage in selective lending in the run-up to local elections when compared with private banks. This selective lending seems to favor provinces where the governing party faces greater competition from the opposition. There is less evidence regarding fiscal spending. The chapter discusses the implications of politically motivated policies on financial inclusion and aggregate efficiency.

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Ralarala, Ombeswa, and Thobeka Ncanywa. "Effects of Some Monetary Variables on Fixed Investment in Selected Sub-Saharan African Countries." In Linear and Non-Linear Financial Econometrics -Theory and Practice [Working Title]. IntechOpen, 2020. http://dx.doi.org/10.5772/intechopen.93656.

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Monetary variables are not only important for the attainment of stable inflation but also for exercising influences in various ways on the behavior of the real economy, including the level of investment activity. Investment is very crucial in improving a country’s productivity and growth and increasing its competitiveness in the long run. The study aims to investigate how monetary variables such as lending rates, exchange rate, and money supply affect investment actions in some selected Sub-Saharan African countries in the period 1980–2018. Using the panel autoregressive distributive lag method in the long run, a negative and significant relationship between lending rates and investment was discovered. Also, investment is positively related to both money supply and exchange rate in the long run. It is recommended that when central banks take contractionary measures, they must always consider the resulting change in investment as it is an essential part of aggregate demand. In a sluggish economy, interest rates should not be raised to the point where investment is discouraged and assets are suppressed.

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Majewski, Grzegorz, Abel Usoro, and Pattarin Chumnumpan. "Building a Conceptual Model of Factors affecting Personal Credit and Insolvency in China based on the Methodologies used in Western Economies." In Leveraging Developing Economies with the Use of Information Technology. IGI Global, 2012. http://dx.doi.org/10.4018/978-1-4666-1637-0.ch012.

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Chinese economy is developing at an unprecedented pace. This expansion is prominent not only in the external aspect (increased export), but also internally in the increase in the demand for goods and services by common Chinese families. This demand cannot always be met by the monthly salary and therefore the need for personal credit. Because of the substantial risk involved in lending, there is need for robust and reliable credit evaluation procedures, strategies, policies, and systems. Lessons learned from the subprime mortgage crisis in U.S. are that lending can be a very risky activity that can lead to recession for a whole economy. Banks and other financial institutions in China are in need of appropriate procedures and systems should a barrier to further economic development be avoided. Besides, existing models and systems that are prevalent in the West may not fully match Chinese banking environment or the society itself. An appropriate personal credit rating methodology should take into account the differences between the Western and Chinese society and culture. There apparently does not exist such a methodology in literature that takes into consideration the unique Chinese situation. The aim of this chapter is to begin to fill this gap in knowledge by building a conceptual model of factors influencing demand for consumer credit and insolvency (bad debts) in China, based on the available methodologies used in the Western societies.

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Conference papers on the topic "Bank lending activity"

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Melikov, Y. I., and S. A. Statsenko. "ABOUT STRENGTHENING THE ROLE OF BORROWED FUNDS IN THE FORMATION OF CAPITAL OF AGRIBUSINESS ENTERPRISES." In STATE AND DEVELOPMENT PROSPECTS OF AGRIBUSINESS Volume 2. DSTU-Print, 2020. http://dx.doi.org/10.23947/interagro.2020.2.655-659.

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The issues of forming the aggregate capital of agricultural enterprises on the example of the processing industry are considered. The concepts of the total capital of the enterprise, its structure are clarified. The characteristic of sources of capital formation is given. Using the example of a dairy company in the Matveevo-Kurgan District of the Rostov Region, we analyze the sources of its capital formation and its functioning in a difficult financial situation. The role of borrowed funds in ensuring sustainable economic activity of the enterprise, maintaining jobs and increasing production v

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Vasilyeva, Anastasia, Natalia Ivanova, Inna Kobeleva, Natalya Balynskaya, and Nina Kuznetsova. "The innovative potential of Russian commercial banks’ lending activity." In Proceedings of the International Scientific-Practical Conference “Business Cooperation as a Resource of Sustainable Economic Development and Investment Attraction” (ISPCBC 2019). Atlantis Press, 2019. http://dx.doi.org/10.2991/ispcbc-19.2019.7.

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Reports on the topic "Bank lending activity"

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Granja, João, and Christian Leuz. The Death of a Regulator: Strict Supervision, Bank Lending and Business Activity. National Bureau of Economic Research, 2017. http://dx.doi.org/10.3386/w24168.

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Galindo, Arturo J., and Roberto Steiner. Asymmetric Interest Rate Transmission in an Inflation Targeting Framework: The Case of Colombia. Banco de la República de Colombia, 2020. http://dx.doi.org/10.32468/be.1138.

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After adopting an inflation targeting framework for monetary policy at the turn of the century, the Central Bank of Colombia started actively using the monetary policy interest rate as its key policy tool. In this regard, this paper examines the interest rate pass-through from the monetary policy rate to the retail rates in Colombia and explores asymmetries in the adjustment process within the framework of a non-linear version of the ARDL (NARDL) model developed by Shin et al. (2014). Our findings show that the policy rate plays a key role in determining deposit and lending retail rates but th

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