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Does market competition affect all banks equally? : empirical evidence on Montenegro

Vujanović, Nina; Fabris, Nikola - In: Journal of central banking theory and practice 10 (2021) 2, pp. 87-107

Bank stability is an important aspect of financial stability, especially in bank-centric systems like that of Montenegro. Hence, it is important to analyse risks affecting stability of both the banking and financial system as a whole. Rising competition among banks could pose a challenge and...

Persistent link: https://www.econbiz.de/10012549205

The effectiveness of the bank lending channel : the role of banks' market power and business model

Alaeddin, Omar; Moutaz Abojeib; Azmi, Wajahat; Mhd … - In: Contemporary economics 13 (2019) 3, pp. 253-268

This paper examines the effectiveness of the bank lending channel in a dual banking system in Malaysia, where both conventional and Islamic banks operate alongside each other. It also investigates the impact of bank competition on lending channels in financial systems. Using panel data from both...

Persistent link: https://www.econbiz.de/10012176543

Bank size and risk-taking under Basel II

Hakenes, Hendrik; Schnabel, Isabel - 2006

We analyze the relationship between bank size and risk-taking under the New Basel Capital Accord. Using a model with imperfect competition and moral hazard, we show that the introduction of an internal ratings based (IRB) approach improves upon flat capital requirements if the approach is...

Persistent link: https://www.econbiz.de/10010366524

Impact of fintech on bank risk-taking : evidence from China

Deng, Liurui; Lv, Yongbin; Liu, Ye; Zhao, Yiwen - In: Risks : open access journal 9 (2021) 5, pp. 1-27

This article focuses on the relationship between Fintech and bank risk-taking behavior. Since Robo-Advisor is one of the mature applications of Fintech, we found that the development of Fintech will have a greater impact on small and medium-sized banks through the establishment of a Robo-Advisor...

Persistent link: https://www.econbiz.de/10012597095

Market Power, Loan Market Diversification, and Risk-Return Trade-Offs within Banking Sectors

Obrimah, Oghenovo A. - 2019

This study provides rigorous empirical evidence that an increase in market power of dominant banks within deposit markets does not necessarily translate into attenuation of non-dominant banks' capacity for funding of loan commitments. This is evident in the finding that while non-dominant banks...

Persistent link: https://www.econbiz.de/10012903164

Identifying heterogeneous supply and demand shocks in European credit markets

De Jonghe, Olivier; Lewis, Daniel J. - 2025

We propose a new model in which relationship-specific supply and demand shocks are non-parametrically identified in … in simulations. Using these methods, we identify the heterogeneous distributions of supply and demand shocks for … and price elasticities, and thus supply and demand curves, have changed in those 11 markets in recent years. The shock …

Persistent link: https://www.econbiz.de/10015211643

Lender Preference, Borrower Market Power, and the Effect of RRP

Huber, Amy - 2022

I model and structurally estimate the equilibrium rates and volumes on the Triparty repo market to study how imperfect competition affects monetary policy implementation. Even in this systemically important market, where seemingly homogeneous repos trade, I document persistent rate differences...

Persistent link: https://www.econbiz.de/10013406498

Does Bank Concentration Increase Credit Risk-Taking Behaviour? Evidence from SADC

Hussein, Kassim - 2010

credit demand as having a positive and significant influence on bank credit risk …

Persistent link: https://www.econbiz.de/10013143424

Banking on deposit relationships : implications for hold-up problems in the loan market

Cao, Jin; Garcia-Appendini, Emilia; Huylebroek, Cédric - 2024

Theory suggests that by lending to a firm, inside banks gain an informational advantage over non-lender outside banks. This informational gap hinders borrowers from switching lenders due to a winner's curse faced by competing outside banks, leading to hold-up problems. In this paper, we show...

Persistent link: https://www.econbiz.de/10015179602

Bank market structure and SMMEs' access to finance : a South African perspective

Ngonisa, Phillip; Mgxekwa, Bahle; Ndlovu, Nomusa; … - In: Economies : open access journal 11 (2023) 1, pp. 1-11

While the importance of the banking sector on various fundamental economic variables is well-documented in the literature, little is known about the relationship between the bank market structure and access to finance for opaque firms, particularly in developing economies such as South Africa....

Persistent link: https://www.econbiz.de/10013500627