Bank Lending PDF Download
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| Author | : Mr.Giovanni Dell'Ariccia |
| Publisher | : International Monetary Fund |
| Total Pages | : 45 |
| Release | : 2017-11-07 |
| Genre | : Business & Economics |
| ISBN | : 1484324897 |
Download Bank Lending in the Knowledge Economy Book in PDF, ePub and Kindle
We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
| Author | : Hong Kong Institute of Bankers (HKIB) |
| Publisher | : John Wiley & Sons |
| Total Pages | : 226 |
| Release | : 2012-03-13 |
| Genre | : Business & Economics |
| ISBN | : 0470827483 |
Download Bank Lending Book in PDF, ePub and Kindle
Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks. Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system. Topics covered in this book include: Assessing and reducing lending risk Understanding the customer through financial statements Using ratios to determine risk Setting up an internal structure to reduce risk Pricing and managing loans Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.
| Author | : Nirmala Lee |
| Publisher | : Gosbrook |
| Total Pages | : 240 |
| Release | : 2018 |
| Genre | : Business & Economics |
| ISBN | : 9781912184040 |
Download Bank Lending Book in PDF, ePub and Kindle
This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.
| Author | : Hong Kong Institute of Bankers (HKIB) |
| Publisher | : John Wiley & Sons |
| Total Pages | : 226 |
| Release | : 2012-04-24 |
| Genre | : Business & Economics |
| ISBN | : 0470827459 |
Download Bank Lending Book in PDF, ePub and Kindle
Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks. Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system. Topics covered in this book include: Assessing and reducing lending risk Understanding the customer through financial statements Using ratios to determine risk Setting up an internal structure to reduce risk Pricing and managing loans Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.
| Author | : Brian Coyle |
| Publisher | : Global Professional Publishi |
| Total Pages | : 172 |
| Release | : 2002 |
| Genre | : Business & Economics |
| ISBN | : 9780852974582 |
Download Bank Finance Book in PDF, ePub and Kindle
Describing the various aspects of bank finance from thebank and borrower perspectives, this book is from the"Risk Management" series. An evaluation of the riskelements is provided and generally the book serves as aguide to how to conduct open negotiations and establish agood business relationship between the bank and thecustomer. This ......
| Author | : Leonard Onyiriuba |
| Publisher | : Academic Press |
| Total Pages | : 739 |
| Release | : 2015-08-03 |
| Genre | : Law |
| ISBN | : 0128034475 |
Download Emerging Market Bank Lending and Credit Risk Control Book in PDF, ePub and Kindle
Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. Emphasizes bank credit risk issues peculiar to emerging economies Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies Provides credit risk impact mitigation strategies in line with the Basel Accords
| Author | : Hartmut Brinkmeyer |
| Publisher | : Springer |
| Total Pages | : 247 |
| Release | : 2014-09-24 |
| Genre | : Political Science |
| ISBN | : 3658071753 |
Download Drivers of Bank Lending Book in PDF, ePub and Kindle
After the recent financial crisis has hooked the banking system to its very foundations, Hartmut Brinkmeyer contributes to the question of how bank characteristics influence bank loan supply during crisis periods by developing a well-founded theoretical framework. The econometrical design deploys a number of remarkably innovative ideas such as the implementation of a bank-specific, self-chosen target capital ratio or a very convincing approach to the disentanglement of loan supply and demand. The results of this study deliver a profound insight into the lending behavior of European banks and explicitly urge academic and practical discussion.
| Author | : Mr.Sami Ben Naceur |
| Publisher | : International Monetary Fund |
| Total Pages | : 54 |
| Release | : 2017-11-15 |
| Genre | : Business & Economics |
| ISBN | : 1484328302 |
Download Basel III and Bank-Lending: Evidence from the United States and Europe Book in PDF, ePub and Kindle
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.
| Author | : Richard E. Beck (Jr.) |
| Publisher | : |
| Total Pages | : 448 |
| Release | : 2009 |
| Genre | : Bank loans |
| ISBN | : 9780899826301 |
Download Consumer Lending Book in PDF, ePub and Kindle
| Author | : |
| Publisher | : The Fraser Institute |
| Total Pages | : 41 |
| Release | : 2008 |
| Genre | : |
| ISBN | : |
Download Bank lending and entrepreneurial finance Book in PDF, ePub and Kindle
However, the reports also find that Canadian banks lag behind industry leaders in the two most important measures relating to entrepreneurial businesses: the amount of bank lending (in terms of the quantity of funds) and the terms by which that lending is provided. [...] An analysis of the structural influences suggests that environmental features, such as the scale of the economy, the size of the banks, and the degree of concentration of the banking system, cannot explain the differences in bank performance between Canada and other industrialized countries. [...] Bank loans and the funding of entrepreneurial business The importance of different sources of finance for entrepreneurial businesses is difficult to gauge directly because of the diversity of these businesses. [...] The Milken Institute bank performance measures The Banking and Financial Index (BF Index), a subcategory of the Capital Access Index that is important to this study, assesses the contribution of a country's financial institutions to entre- preneurial finance on the basis of the following banking performance measures: •. Claims on non-financial firms as a percentage of GDP; •. Bank assets as a perc [...] The breadth of the banking measures used by the BF Index means that the items included differ substantially in terms of their relevance to the contribution of a country to entrepreneurial finance.
