Relevant bibliographies by topics / Credit risks of banks

Contents

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

Academic literature on the topic 'Credit risks of banks'

Author: Grafiati
Published: 28 May 2022
Last updated: 31 July 2025

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Journal articles on the topic "Credit risks of banks"

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Sahiti, Arbana, Sevdie Alshiqi, Inna Neskorodieva, Arben Sahiti, and Xhelil Bekteshi. "Managing Credit Risk Strategies for Commercial Banks: The Case of Kosovo." Journal of Eastern European and Central Asian Research (JEECAR) 9, no. 2 (2022): 309–18. http://dx.doi.org/10.15549/jeecar.v9i2.847.

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The study aims to substantiate effective strategies to manage credit risks in commercial banks, for example, Kosovo. Based on the annual financial statements of commercial banks in Kosovo for 2010-2020. We built polynomial regression models to assess the impact of credit risk on the bank's financial stability. Empirically, determined and argued the different nature of the credit risks influencing the bank's financial stability according to various on the assets size of commercial banks. Preventive and reactive scenarios for minimizing the negative impact of credit risk on the financial stabili
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Yun Li. "The Impact of Corruption on Bank Credit Risk in selected Sub-Saharan Africa." International Journal of Law and Politics Studies 7, no. 1 (2025): 01–07. https://doi.org/10.32996/ijlps.2025.7.1.1.

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Corruption is one of societies' core ailments, impacting banks' performance. Corruption may impact lending practices and borrowers’ willingness to repay loans, impacting banks' credit risks. We examine the impact of corruption on banks' credit risks in Sub-Saharan Africa. We use panel data from 10 sub-Saharan African countries from 2012 to 2023. We apply panel data analysis to examine the impact of a battery of control variables on banks' credit risks. Our analysis confirms that control of corruption significantly reduces banks' credit risks. Our results have implications for policymakers who
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Siddiq, Dr Abbokar, Ebrahim Al Gamal, and Osamah AL-Maamari. "Credit Risk Minimizing: Analysis study of Islamic and conventional banks in Yemen." Journal of Advanced Research in Economics and Administrative Sciences 3, no. 4 (2023): 1–8. http://dx.doi.org/10.47631/jareas.v3i4.553.

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Purpose: The study aims to compare the credit risk minimization between Islamic and conventional banks in Yemen. Approach/Methodology/Design: This paper is limited to a homogeneous sample that includes the Islamic and conventional banks' coverage as they represent the most significant part of the Yemeni banking sector. Using a descriptive-analytical method, data has been collected by a questionnaire sent by post to each Islamic and conventional bank separately located in Yemen's capital city. Findings: The study concludes that credit risk is the most critical risk facing banks, and there is a
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Al-abedallat, Abedalfattah Zuhair. "Factors Affecting Credit Risk: An Empirical Study of the Jordanian Commercial Banks." European Scientific Journal, ESJ 12, no. 34 (2016): 307. http://dx.doi.org/10.19044/esj.2016.v12n34p307.

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The problem of the study shows that various Banks suffer from many types of banking risks. This has significantly affected banks' profits. The credit risk is considered to be the major risks to commercial banks. Also, the study aimed to identify the various factors that are affecting credit risk. The study findings shows that there is significant statistical impact of the factors (the efficiency of workers in the banking credit, the instructions of the Central Bank, and the credit policy of the bank) on the credit risks in the Jordanian commercial banks. The study rejected the null hypotheses
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Tchernykh, S. "Risk Management in Banks." Voprosy Ekonomiki, no. 8 (August 20, 2004): 120–27. http://dx.doi.org/10.32609/0042-8736-2004-8-120-127.

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Problems of managing risks of partnership in banks taking into account the new Central Bank of Russia document "On Organization of Internal Control in Credit Organizations and Bank Groups" are considered in the article. It is pointed out that effective bank risk management including risks of partnership сan be realized only under condition of bona fide competition. Functioning of banks in competitive environment is impossible without risks, their monitoring allows to become competitive on the banking services market if various "black lists" and other unsound negative information leading to low
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Mamadiyarov, Zokir, and O‘tkirjon Tajimatov. "INSURANCE OF COMMERCIAL BANKS' CREDIT FACILITIES AND CREDIT RISK MANAGEMENT." European Journal of Artificial Intelligence and Digital Economy 1, no. 9 (2024): 79–85. https://doi.org/10.61796/jaide.v1i9.956.

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The practice of insurance of credit facilities of commercial banks is an important means of credit risk management in banking activities. Through insurance, banks can protect their loan portfolio from risks and reduce losses related to customers who face default or other debt situations. Development of diversified insurance products, automation of processes by introduction of technological solutions and use of international experiences are considered important for improvement of insurance practice. These approaches are of great importance in reducing credit risks and making banks more efficien
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Thang, Do Nang, and Nguyen Duc Duong. "Combined S&P and Z-score research in credit assessment of Vietnamese commercial banks." International Journal of Innovative Research and Scientific Studies 8, no. 1 (2025): 2723–31. https://doi.org/10.53894/ijirss.v8i1.5047.

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Economists often refer to banking as the "business of risk." Indeed, no industry presents risks as significantly as the monetary-credit sector. Banks face risks not only from their subjective causes but also from those caused by customers. Therefore, "the credit risk of banks is not merely additive but could be a multiplicative factor of the economy's risks." Given this critical role, this paper proposes a combination of a credit rating solution with Altman's Z-Score model (Altman [1]) and a scoring method to provide early warnings for corporate credit risks. This approach aims to equip commer
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Toufaili, Bilal. "THE IMPACT OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE." EUrASEANs: journal on global socio-economic dynamics, no. 3(28) (May 31, 2021): 7–23. http://dx.doi.org/10.35678/2539-5645.3(28).2021.7-23.

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Commercial banks that control a large proportion of overall assets of the financial sector primarily rely on extending credits, and banks may raise their earnings through this function which constitutes one of the major functions of commercial banks. 
 Consequently, and due to the wide multiple risk exposures of commercial banks, the issue of capital structure has become a vital element in determining the viability of banks and their ability to withstand various risks involved. Hence, risk management as such has become an essential part of evaluating various risks, including credit risks,
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Nayak, Bhabani Shankar, and Jia Xu. "Historical Trends and Transitions in Credit Risk Management of Chinese Commercial Banks." International Journal of Business Administration 9, no. 5 (2018): 96. http://dx.doi.org/10.5430/ijba.v9n5p96.

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The paper outlines different trends and transitions in the history of credit risk management of Chinese commercial banks. By critically reviewing different stages of credit management and its historical evolution, it helps in understanding the nature of subjective challenges faced by Chinese commercial banks to manage credit risks. It reviews post reform policies in particularly after 1978 to locate the policy transitions and trajectories of credit risk management of commercial banks in China. It helps to understand the problems and prospects of effective credit management of risks by Chinese
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Nguvava, Heriel Emanuel. "Influence of Transaction Cost Determinants on Credit Customer Category of Commercial Banks in Tanzania." African Journal of Accounting and Social Science Studies 4, no. 1 (2022): 244–59. http://dx.doi.org/10.4314/ajasss.v4i1.13.

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The provision of credit services in rural areas is a challenge as agriculture and other rural economic activities have unique characteristics of dependence on natural resources, long production cycles and vulnerability to multiple risks. This paper aims to analyse transaction cost as the determinants of the choice of credit customer category for commercial bank’s credit business scale-up in Tanzania. Primary data for this study were collected from 37 registered and licensed commercial banks in January 2018 through structured questionnaires. The main sources of secondary data were peer-reviewed
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Dissertations / Theses on the topic "Credit risks of banks"

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Senakosava, Hanna. "Dividends and risks in banks : An investigation of a relationship between dividends and risks in Nordic banks." Thesis, Umeå universitet, Företagsekonomi, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-110641.

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Banks represent one of the most important parts of the economy in the world. As a result, decisions of bank management affect not just the direct bank stakeholders but the state of the economy and society as a whole. This became evident during the latest financial crisis in 2007 where the failure of one bank resulted in the domino falling that affected banks globally. The regulators increase their attention to the risks that bank face and their measures and requirements. Therefore, the research within the banking area has important consequences from both theoretical and practical side.   The p
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Kabir, Md Nurul. "Credit Risk in Islamic and Conventional Banks." Thesis, Griffith University, 2016. http://hdl.handle.net/10072/366249.

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This thesis investigates several aspects concerning the financial stability of Islamic and conventional banks. This is important because the strong growth of Islamic banking, notwithstanding their marked uniqueness in operational and financing behaviour, combined with fierce global competition with the prevailing conventional bank system, raises concerns among regulators and practitioners about the long-run sustainability of Islamic banking. First, the thesis compares the level of financial stability in Islamic and conventional banks using three different methods of credit risk measurement. Se
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Frizziero, Luca <1995&gt. "Credit risk management in banks and insurance companies." Master's Degree Thesis, Università Ca' Foscari Venezia, 2020. http://hdl.handle.net/10579/16815.

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This thesis aims to analyse the ways in which credit risk is managed and modelled in banks and insurance companies. The structure of this research is divided into four chapters. The first part aims to introduce the main features and parameters for the credit risk analysis, such as the probability of default of bond issuers and their joint correlation, the Loss Given Default (LGD), the Exposure at Default (EAD) and the computation of the main quantities of interest for the determination of the capital requirements, with a particular focus on how banks and insurance companies must comply with th
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Mu, Yuan. "Chinese bank's credit risk assessment." Thesis, University of Stirling, 2007. http://hdl.handle.net/1893/210.

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This thesis studies the Chinese banks’ credit risk assessment using the Post Keynesian approach. We argue that bank loans are the major financial sources in emerging economies and it is uncertainty, an unquantifiable risk, rather than asymmetric information about quantifiable risk, as held by the mainstream approach, which is most important for the risk attached to credit loans, and this uncertainty is particularly important in China. With the universal existence of uncertainty, borrowers and lenders have to make decisions based on convention and experience. With regard to the nature of decisi
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Sikorska, Małgorzata, and P. G. Pererva. "Classification of corporative banks." Thesis, NTU "KhPI", 2018. http://repository.kpi.kharkov.ua/handle/KhPI-Press/36484.

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Eguaoritseyemi, Okirika Temeoweikuro. "Investigation into credit risk management practices in Nigerian banks." Thesis, University of Buckingham, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.549719.

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Frail credit risk management practices have dragged financial intermediaries into financial crisis or bankruptcy if not well managed. The study seeks to appraise the intent to which Nigerian banks have meritoriously managed credit risk after the 2005 bank recapitalization exercise. It also seeks to establish other factors on why some banks to fail the 2009 stress test conducted by Central Bank of Nigeria. The study found that the failure to effectively manage credit risk as a result of increase capital inflow into the banking system and excessive lending contributed immensely to the 2009 banki
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Wang, Yang. "Credit risk management in rural commercial banks in China." Thesis, Edinburgh Napier University, 2013. http://researchrepository.napier.ac.uk/Output/6659.

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Credit risk is one of the most general risks that exist in the financial market and a major risk faced by financial institutions. Credit risk management (CRM) is to identify, measure, monitor, and control risk arising from the possibility of default in loan repayments. The primary objective of CRM of rural commercial banks (RCBs) is to maintain risk within acceptable parameters and satisfy the regulatory requirements. CRM has long been the focus of governments, regulatory authorities and financial institutions. This thesis examines the importance of CRM for RCBs, which has been overlooked in t
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Claesson, Johan. "Credit Risk Assessments of Swedish RealEstate Companies." Thesis, KTH, Fastigheter och byggande, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-124335.

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The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing – with the related terms – is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives. For instance, the corporate bond market has grown rapidly. The development has increased the number who acts as lenders. Institutional i
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Tamonytė, Kristina. "Kredito rizikos valdymas AB banko "NORD/LB Lietuva" pavyzdžiu." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2005. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2005~D_20050603_125254-63812.

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Master‘s work explores the influence of credit risk of individual clients to the bank management process. It analyzes and systemizes theoretical and practical elements of the banks credit risk management conducted by various Lithuanian and foreign authors. It also measures the importance of credit administration and monitoring of individual clients with the purpose to decrease credit risk. Also this work presents prepared credit risk management system of private clients. It presents an analysis of legal acts of the Republic of Lithuania that directly influence bank credit risk management. Mast
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Hess, Kurt. "Credit loss dynamics in Australasian banking." The University of Waikato, 2008. http://hdl.handle.net/10289/2649.

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The purpose of this thesis is to analyze the drivers and dynamics of credit losses in Australasian banking over an extended period of time in order to improve the means by which financial institutions manage their credit risks and regulatory bodies safeguard the stability and integrity of the financial system. The analysis is based on a specially constructed data base of credit loss and provisioning data retrieved from original financial reports published by Australian and New Zealand banks. The observation period covers 1980 to 2005, starting at the time when such information was published fo
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Books on the topic "Credit risks of banks"

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Peter, Taylor, and IFS School of Finance, eds. Consumer credit risk management. Global Professional Publishing, 2008.

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Prywes, Menahem. Risk facing U.S. commercial banks. International Economic Analysis and Prospects, International Economics Dept., World Bank, 1990.

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Nationalbank, Oesterreichische, and Finanzmarkt Austria Dienstleistungs GesmbH, eds. Guidelines on credit risk management. Oesterreichische Nationalbank (OeNB), 2004.

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Grenadier, Steven R. Risk-based capital standards and the riskiness of bank portfolios: Credit and factor risks. National Bureau of Economic Research, 1995.

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Morris, JoAnne. Risk diversification in the credit portfolio: An overview of country practices. International Monetary Fund, Monetary and Exchange Affairs Department, 2001.

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Minton, Bernadette A. How much do banks use credit derivatives to reduce risk? National Bureau of Economic Research, 2005.

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Minton, Bernadette A. How much do banks use credit derivatives to reduce risk? National Bureau of Economic Research, 2005.

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Lautenschlager, Peter. Workout-Management: Theoretische Fundierung und empirische Analyse des Managements vom Problemkrediten im schweizerischen Kreditgeschäft. P. Haupt, 2000.

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Grunert, Jens. Empirische Evidenz zur Prognose des Ausfallwahrscheinlichkeit und der Recovery Rate von Bankkrediten an deutsche Unternehmen. J. Grunert, 2005.

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Grundke, Peter. Integrated Market and Credit Portfolio Models: Risk Measurement and Computational Aspects. Betriebswirtschaftlicher Verlag Dr. Th. Gabler / GWV Fachverlage GmbH, Wiesbaden, 2008.

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Book chapters on the topic "Credit risks of banks"

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Moliterni, Francesco. "Credit Risk Transfer and Systemic Risk." In New Economic Windows. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-64916-5_7.

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AbstractThis chapter investigates the relationship between the banking and insurance industry by focusing on systemic risk. The concept of credit risk transfer stems from banks’ inclination to offload credit risks. Insurance companies, particularly those specializing in risk transfer services, emerge as natural recipients for these risks. Notably, credit insurance firms are equipped with specialized expertise in risk assessment and selection. Banks seek to mitigate their exposure to credit risks by transferring them to insurance companies. This transfer occurs because insurance companies, part
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Soong, Tham Ming. "The Credit Crisis and Its Implications for Asian Financial Institutions." In Banks at Risk. John Wiley & Sons, Inc., 2015. http://dx.doi.org/10.1002/9781119199410.ch9.

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Koulafetis, Panayiota. "Chapter 4: Credit Risk Assessment of Sovereigns, Banks and Corporates." In Modern Credit Risk Management. Palgrave Macmillan UK, 2017. http://dx.doi.org/10.1057/978-1-137-52407-2_4.

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Gumata, Nombulelo, and Eliphas Ndou. "Do Capital Inflows Relieve Banks’ Credit Constraints and Boost Credit Growth? Evidence from Credit Conditions and Bank Credit Risk." In Achieving Price, Financial and Macro-Economic Stability in South Africa. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-66340-7_3.

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Wong, Jim, Ka-Fai Choi, and Tom Pak-Wing Fong. "A Framework for Stress Testing Banks’ Credit Risk." In The Banking Sector in Hong Kong. Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/9780230227378_11.

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Scott-Quinn, Brian. "Risk Management in Credit Intermediaries and Investment Banks." In Commercial and Investment Banking and the International Credit and Capital Markets. Palgrave Macmillan UK, 2012. http://dx.doi.org/10.1007/978-0-230-37048-7_23.

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Auzepy, Alix, and Christina E. Bannier. "Introduction." In Integrating Climate Risks in Bank Risk Management and Capital Requirements. Springer Fachmedien Wiesbaden, 2025. https://doi.org/10.1007/978-3-658-47061-6_1.

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Abstract If left unaddressed, today’s risks can easily turn into tomorrow’s losses. It is therefore vital for credit institutions to have in place a robust and comprehensive risk management framework, including models and processes that ensure a clear understanding of risks and effective mitigation strategies. Nevertheless, even the most flawless risk management cannot fully eliminate the possibility of losses.
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Zakarneh, Samer, Yahiya Al-Khasawneh, Munir Al-hakim, Ibrahim Khrais, Mohammad Musa Al-Momani, and Kholoud Bajunaid. "The Impact of Using CRIF Platform on Credit Risks for Jordanian Islamic Banks." In Artificial Intelligence (AI) and Finance. Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-39158-3_77.

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Jonsson, S. "Credit risk: an agent-based model of post-credit decision actions and credit losses in banks." In Agent-Based Modeling and Simulation. Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137453648_10.

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Karminsky, Alexander M., Ella P. Khromova, and Roman A. Kudrov. "Empirical Modeling of International Banks’ Credit Risk: Assessment and Comparison of Credit Ratings." In Eurasian Studies in Business and Economics. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-77438-7_9.

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Conference papers on the topic "Credit risks of banks"

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Sahu, Puspamitra, and Rashmy Moray. "Harnessing Artificial Intelligence: Redefining Credit Risk Management for Banks in India." In 2024 2nd International Conference on Advances in Computation, Communication and Information Technology (ICAICCIT). IEEE, 2024. https://doi.org/10.1109/icaiccit64383.2024.10912351.

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Curdova, Iulia. "Improving credit risk management in a commercial bank." In Simpozion stiintific al tinerilor cercetatori, editia 20. Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/9789975359030.59.

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The article considers the relevance of the problem of credit risk management, the concept and methods of credit risk management, problems and methods of credit risk management. The report was made in order to analyze the shortcomings and improve the management of credit risk in a commercial bank in the Republic of Moldova. The subject of the study is the system of financial relations associated with the implementation of banking activities and the emergence of credit risks. The object of the study is the bank's credit risk arising in the course of lending activities in a commercial bank. The p
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Щербакова, Татьяна, Tat'yana Scherbakova, Ольга Черкасова, and Ol'ga Cherkasova. "MINIMIZATION OF CREDIT RISKS OF COMMERCIAL BANKS AS A COMPONENT OF THEIR ECONOMIC SECURITY." In Modern problems of an economic safety, accounting and the right in the Russian Federation. AUS PUBLISHERS, 2018. http://dx.doi.org/10.26526/conferencearticle_5c506092aa3c43.74400081.

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Alqaisi, Fouzan. "The Effect of the Interest Rate Risk on the Lending of the Jordanian Commercial Banks." In The 5th International Scientific Conference on Administrative and Financial Sciences (CIC-ISCAFS'2025). Cihan University-Erbil, 2025. https://doi.org/10.24086/icafs2025/paper.1779.

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Abstract—The current study has been intended to evaluate the impact of interest rate risks on the financial performance and the bank lending of commercial banks of Jordan that are registered on the Amman Stock Exchange. In this study, the researchers relied on the analytical regression statistical method to indicate financial risks on the financial performance and lending of the Jordanian commercial banks listed on the Amman Stock Exchange. The statistical analysis is done with the help of the Statistical Package for Social Sciences (SPSS) and excel sheets, which help to analyse the results. T
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Pan Jin. "Managing credit risks with knowledge management for financial banks." In 2010 3rd International Symposium on Knowledge Acquisition and Modeling (KAM). IEEE, 2010. http://dx.doi.org/10.1109/kam.2010.5646227.

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Penikas, Henry, and Darya Savenko. "How Do Russian Banks Evaluate the Retail Credit Risks?" In INTERNATIONAL SCIENTIFIC-PRACTICAL CONFERENCE "ENSURING THE STABILITY AND SECURITY OF SOCIO - ECONOMIC SYSTEMS: OVERCOMING THE THREATS OF THE CRISIS SPACE". SCITEPRESS - Science and Technology Publications, 2021. http://dx.doi.org/10.5220/0010704800003169.

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Heorhiieva, Maryna, and Svitlana Arkhypenko. "PROVISION OF CREDIT RISKS BY BANKS DURING MARTIAL LAW." In 2nd International Conference on Relationship between public administration and business entities management. Scientific Center of Innovative Researches OÜ, 2022. http://dx.doi.org/10.36690/rpabm-2022-105.

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Ryazanova, Yu Yu, and E. B. Solokhina. "Managing banks' credit risk." In Financial Economics: Topical Development Issues : collection of works of the III International Student Scientific Conference. RIC HGUEP, 2020. http://dx.doi.org/10.38161/978-5-7823-0738-7-2020-152-155.

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Tulum, Catalina. "Credit risk management in banks of the Republic of Moldova." In Simpozion stiintific al tinerilor cercetatori, editia 20. Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/9789975359030.60.

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Riscul de credit reprezintă riscul actual sau de viitor ce afectează negativ profiturile sau capitalul băncii ca urmare a neîndeplinirii obligațiilor contractuale de către debitor. Acesta este unul dintre principalele riscuri cu care orice bancă comercială se confruntă iar managementul acestuia reprezintă o parte integrată a proceselor decizionale ale băncii. Gestiunea riscului de credit în bănci cuprinde definirea politicii privind managementul riscurilor în conformitate cu strategia băncii, diversificarea portofoliului de credite, stabilirea limitelor privind riscurile întâlnite, respectarea
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Urlapov, Petr Sergeevich. "APPLICATION OF ACTUALIZATION OF RISKS IN THE ACTIVITIES OF SYSTEMICALLY IMPORTANT BANKS OF THE RUSSIAN FEDERATION." In XIII Международная научно-практическая конференция «Научные исследования и инновации». KDU, Moscow, 2021. http://dx.doi.org/10.31453/kdu.ru.978-5-7913-1198-6-2021-74-79.

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The article discusses the issue of risk management of systemically important credit institutions in the context of the third wave of the coronavirus pandemic. The author uses previously developed econometric models. Updates the risks of the activities of systemically important credit institutions. The main findings can be used in the development of a risk management system.
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Reports on the topic "Credit risks of banks"

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Bohorquez-Penuela, Camilo, Joëlle Noailly, and Naël Shehadeh. Climate Transition Risks and Bank Lending: Evidence from Colombia. Banco de la República, 2024. https://doi.org/10.32468/be.1294.

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How is bank lending to fossil fuel firms affected when risks of stranded assets increase? Using loan-level data from the credit registry of the Colombian Superintendency of Finance, we examine how the introduction of the Paris agreement has affected lending to fossil firms, in a country highly dependent on them. We find evidence that the increased risk of stranded assets implied by the Paris agreement led to a 46\% decrease in bank credit to fossil firms. However, banks have become more selective and have prioritised lending to large and well capitalised fossil firms. Additionally, there is su
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Acharya, Viral V., Nicola Cetorelli, and Bruce Tuckman. Where Do Banks End and NBFIs Begin? Federal Reserve Bank of New York, 2024. http://dx.doi.org/10.59576/sr.1119.

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In recent years, assets of nonbank financial intermediaries (NBFIs) have grown significantly relative to those of banks. These two sectors are commonly viewed either as operating in parallel, performing different activities, or as substitutes, performing substantially similar activities, with banks inside and NBFIs outside the perimeter of banking regulation. We argue instead that NBFI and bank businesses and risks are so interwoven that they are better described as having transformed over time, rather than as having migrated from banks to NBFIs. These transformations are at least in part a re
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Gómez, Camilo, and Daniela Rodríguez-Novoa. Firm Support Measures, Credit Payment Behavior, and Credit Risk. Banco de la República, 2024. http://dx.doi.org/10.32468/be.1277.

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This paper examines the relationship between three government support measures (debt moratorium, credit guarantee programs, and payroll subsidies) and the firm's payment behavior on loans in Colombia. To do so, we use the COVID-19 pandemic episode as a case study. Using highly granular data at the bank-firm level and a difference-in-difference approach, we find that firms subject to debt reliefs and government guarantee programs experienced a lower probability of default while these policies were in force. Subsequently, once the programs ended, the dynamic of the payment behavior of these firm
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Morais, Bernardo, Gaizka Ormazabal, José-Luis Peydró, Mónica Roa, and Miguel Sarmiento. Forward Looking Loan Provisions: Credit Supply and Risk-Taking. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1159.

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We show corporate-level real, financial, and (bank) risk-taking effects associated with calculating loan provisions based on expected—rather than incurred—credit losses. For identification, we exploit unique features of a Colombian reform and supervisory, matched loan-level data. The regulatory change induces a dramatic increase in provisions. Banks tighten all new lending conditions, adversely affecting borrowing-firms, with stronger effects for risky-firms. Moreover, to minimize provisioning, more affected (less-capitalized) banks cut credit supply to risky-firms— SMEs with shorter credit hi
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Morales, Paola, Daniel Osorio-Rodíguez, Juan S. Lemus-Esquivel, and Miguel Sarmiento. The internationalization of domestic banks and the credit channel of monetary policy. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1181.

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How does the expansion of domestic banks in international markets affect the bank lending channel of monetary policy? Using bank-firm loan-level data, we find that loan growth and loan rates from international banks respond less to monetary policy changes than domestic banks and that internationalization partially mitigates the risk-taking channel of monetary policy. Banks with a large international presence tend to tolerate more their credit risk exposition relative to domestic banks. Moreover, international banks tend to rely more on foreign funding when policy rates change, allowing them to
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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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Butler, Anthony, José Fernando Moreno Gutiérrez, Carlos León, and Kimmo Soramäki. Liquidity-Saving Mechanisms in Trade Credit Networks: Optimising Corporate Liquidity. FNA, 2023. http://dx.doi.org/10.69701/rthh6385.

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We suggest a similar approach to mitigate liquidity and counterparty risks in trade credit networks. By introducing a new Financial Market Infrastructure (FMI) that runs LSMs in trade credit networks, we can reduce the outstanding exposures among firms, reduce the payment terms, and mitigate potential risks arising from undesirable network and feedback loop effects. This way, by implementing LSMs, risks and potential amplification effects from trade credit exposures are mitigated while their potential contribution to firms’ growth, supply chain resilience, and economic activity is preserved. B
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Álvarez-Román, Laura, Sergio Mayordomo, Carles Vergara-Alert, and Xavier Vives. Climate risk, soft information and credit supply. Banco de España, 2024. http://dx.doi.org/10.53479/36112.

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We study a model of the impact of climate risk on credit supply and test its predictions using data on all wildfires and corporate loans in Spain. Our findings reveal a significant decrease in credit following climate-driven events. This result is driven by outsider banks (large and diversified), which reduce lending significantly to firms in affected areas. By contrast, due to their access to soft information, local banks (geographically concentrated) reduce their loans to opaque affected firms to a lesser extent without increasing their risk. We also find that employment decreases in affecte
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Cabrera-Rodríguez, Wilmar Alexander, Javier Gutiérrez-Rueda, and Juan Carlos Mendoza-Gutiérrez. Credit risk stress testing : an exercise for colombian banks. Banco de la República, 2012. http://dx.doi.org/10.32468/tef.73.

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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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