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Basel III and Bank-Lending: Evidence from the United States and Europe

2017-11-15 Business & Economics
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Release : 2017-11-15
Genre : Business & Economics
Kind : eBook
Book Rating : 302/5 ( reviews)

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Book Synopsis Basel III and Bank-Lending: Evidence from the United States and Europe by : Mr.Sami Ben Naceur

Download or read book Basel III and Bank-Lending: Evidence from the United States and Europe written by Mr.Sami Ben Naceur. This book was released on 2017-11-15. Available in PDF, EPUB and Kindle. Book excerpt: Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the “credit crunch” in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks’ characteristics and behaviors when implementing new regulatory policies.

Banks’ Adjustment to Basel III Reform

2017-02-20 Business & Economics
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Release : 2017-02-20
Genre : Business & Economics
Kind : eBook
Book Rating : 543/5 ( reviews)

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Book Synopsis Banks’ Adjustment to Basel III Reform by : Michal Andrle

Download or read book Banks’ Adjustment to Basel III Reform written by Michal Andrle. This book was released on 2017-02-20. Available in PDF, EPUB and Kindle. Book excerpt: The paper seeks to identify strategies of commercial banks in response to higher capital requirements of Basel III reform and its phase-in. It focuses on a sample of nine EU emerging market countries and picks up 5 largest banks in each country assessing their response. The paper finds that all banking sectors raised CAR ratios mainly through retained earnings. In countries where the banking sector struggled with profitability, banks have resorted to issuance of new equity or shrunk the size of their balance sheets to meet the higher capital-adequacy requirements. Worries echoed at the early stage of Basel III compilation, namely that commercial banks would shrink their balance sheet by reducing their lending to meet stricter capital requirements, did materialize only in banks struggling with profitability.

Banks and Capital Requirements

2014 Bank capital
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Author :
Release : 2014
Genre : Bank capital
Kind : eBook
Book Rating : 446/5 ( reviews)

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Book Synopsis Banks and Capital Requirements by : Benjamin H. Cohen

Download or read book Banks and Capital Requirements written by Benjamin H. Cohen. This book was released on 2014. Available in PDF, EPUB and Kindle. Book excerpt:

Basel III and Bank-Lending: Evidence from the United States and Europe

2017-11-15 Business & Economics
Download Basel III and Bank-Lending: Evidence from the United States and Europe PDF Online Free

Author :
Release : 2017-11-15
Genre : Business & Economics
Kind : eBook
Book Rating : 198/5 ( reviews)

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Book Synopsis Basel III and Bank-Lending: Evidence from the United States and Europe by : Mr.Sami Ben Naceur

Download or read book Basel III and Bank-Lending: Evidence from the United States and Europe written by Mr.Sami Ben Naceur. This book was released on 2017-11-15. Available in PDF, EPUB and Kindle. Book excerpt: Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the “credit crunch” in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks’ characteristics and behaviors when implementing new regulatory policies.

Revisiting Risk-Weighted Assets

2012-03-01 Business & Economics
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Release : 2012-03-01
Genre : Business & Economics
Kind : eBook
Book Rating : 656/5 ( reviews)

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Book Synopsis Revisiting Risk-Weighted Assets by : Vanessa Le Leslé

Download or read book Revisiting Risk-Weighted Assets written by Vanessa Le Leslé. This book was released on 2012-03-01. Available in PDF, EPUB and Kindle. Book excerpt: In this paper, we provide an overview of the concerns surrounding the variations in the calculation of risk-weighted assets (RWAs) across banks and jurisdictions and how this might undermine the Basel III capital adequacy framework. We discuss the key drivers behind the differences in these calculations, drawing upon a sample of systemically important banks from Europe, North America, and Asia Pacific. We then discuss a range of policy options that could be explored to fix the actual and perceived problems with RWAs, and improve the use of risk-sensitive capital ratios.

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