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Quality of Bank Capital and Bank Lending Behavior During the Global Financial Crisis
Using a worldwide bank sample from 2000 to 2010, this article analyzes the determinants of bank lending behavior during the global financial crisis highlighting the role of bank capital. It reveals that the high quality of the bank funding strategy (tier 1 bank capital and retail deposits) and prevalent government backing were crucial to continuous bank lending during the crisis period. This effect was especially pronounced in non-OECD and BRIC countries. We also point out that, although higher use of tier 2 capital and interbank deposits could be important for increased lending during a normal period, this did not support lending activities during the financial crisis. The article concludes by suggesting that in crisis periods high-quality bank capital is a bank's competitive strength.
The Industrial Organization of Banking
This book provides an evaluation of the industrial organization of banking with a focus on the interrelationship among bank behavior, market structure, and regulation. It addresses a wide range of public policy topics, including bank competition and risk, international banking, antitrust issues, and capital regulation. New to this edition, which has been updated throughout, is a broadened consideration of alternative theories of competition among banks, which includes discussions of such issues as the implications of large increases in bank reserve holdings in recent years, effects of nonprice competition through quality rivalry, analysis of mixed market structures involving both large and small banks, and international interactions of banks and policymakers. The intent of the book is to serve as a learning tool and reference for graduate students, academics, bankers, and policymakers seeking to better understand the industrial organization of the banking sector and the effects of banking regulations.
Ownership Structure and Profitability of the Banking Sector
The purpose of this paper is to investigate the relationship between bank ownership and bank profitability in six South Eastern European countries (SEE-6): Croatia, Bulgaria, Romania, Serbia, FYR Macedonia, and Albania. Like in most other Eastern European countries, the transition period in the selected set of six Balkan countries was characterized by a large influx of foreign investors, mostly Western European banks. As most of the authors emphasize the beneficial effects of foreign banks' entry into developing Eastern European economies, there is still very little evidence on the impact of foreign owned banks on profitability in the banking industry in the SEE-6 region. Partly, these count...
Competitiveness, Social Responsibility and Economic Growth
Globalisation of the economy have confronted Europe with a question of what are its real competitive capabilities, sustainability of its economy and of the values of typical Europeans. The famous Lisbon Strategy has been an attempt to answer this by creating the knowledge economy. This book analyses the Lisbon Strategy from various perspectives.
SME Financing and Multiple Bank Relationships in Transition Economies
This paper investigates bank-borrower relationships in an advanced transition country. The empirical analysis is based on a unique dataset of 121 privatized small and medium-sized Slovenian corporations in the first years following the end of the banking sector's reorganization (1998-2002). The results reveal the strong dominance of bank funding for small and medium-sized enterprises. Despite this, the firms included in the study are characterized by a small number of bank relationships. The specifics of the transition are moreover reflected in the substantial role of fixed assets that can be put up as collateral. However, the number of bank relationships relates to similar factors that have been proven to influence the number of firm-bank relationships in developed countries. We thus expect that the number of bank relationships in Slovenia will increase with the progress of restructuring and privatization of the enterprise sector and with the integration of financial markets following Slovenia's entry to the European Union.
Loss Given Default Determinants in a Commercial Bank Lending
The purpose of this paper is to analyse the loss given default (LGD) determinants in case of a typical loan portfolio consisting of SME loans in a commercial bank operating in one of the quickly developing banking markets, i.e. in Slovenia. Accurate LGD estimates of defaulted bank claims are important for provisioning reserves for credit losses, calculating adequate risk capital and determining fair pricing risky bank loans. While most of the empirical literature in the field concentrates on corporate bond markets to estimate losses in the event of default, we use a unique individual bank data set on SME loan losses. Due to the proprietary nature of data only few studies of this kind have be...
Slovenia in Focus
Knjiga, ki je bila izdana ob predsedovanju Slovenije Evropski uniji, vsebuje strnjene in nazorno (s preglednicami, statističnimi podatki, dodelanimi tematskimi zemljevidi ter številnimi barvnimi grafikoni in fotografijami) prikazane relevantne podatke o naši državi, od temeljnih kulturno-zgodovinskih podatkov do bistvenih informacijo naravnem okolju in družbenem razvoju. Na koncu sta dodana imensko kazalo preglednega zemljevida Slovenije na strani 31 in petjezični slovarček glavnih zemljepisnih izrazov.
Metals Abstracts
None
Nepal Gazette
None
Deutsches Bücherverzeichnis
Bde. 16, 18, 21, and 28 each contain section "Verlagsvera nderu ngen im deutschen Buchhandel."
