Joseph E. Stiglitz
A major problem for institutional lenders is ensuring that borrowers exercise prudence in the use of the funds so that the likelihood of repayments is enhanced. One partial solution is peer monitoring: having neighbors who are in a good position to monitor the borrower be required to pay a penalty i...
Christos K. Staikouras, Geoffrey E. Wood
The rate of return earned by a financial institution is affected by numerous factors. These factors include elements internal to each financial institution and several important external forces shaping earnings performance. The type of explanation would determine possible policy implications and oug...
Shahidur R. Khandker
BANKS;BANGLADESH;ASIA;FINANCIAL MARKET;CREDIT
Fadzlan Sufian, Muzafar Shah Habibullah
This study seeks to examine the performance of 37 Bangladeshi commercial banks between 1997 and 2004. The empirical findings of this study suggest that bank specific characteristics, in particular loans intensity, credit risk, and cost have positive and significant impacts on bank performance, while...
Robert Cressy
Journal Article Introduction: Funding Gaps Get access Robert Cressy Robert Cressy City University Business School Search for other works by this author on: Oxford Academic Google Scholar The Economic Journal, Volume 112, Issue 477, February 2002, Pages F1–F16, https://doi.org/10.1111/1468-0297.00680...
Shahzad Uddin, Trevor Hopper
Jalal D. Akhavein, Allen N. Berger, David B. Humphrey
Mohamed Albaity, Ray Saadaoui Mallek, Abu Hanifa Md. Noman
This paper investigates the impact of competition on bank stability using data from 276 banks across eighteen MENA countries between 2006–2015. We controlled for financial inclusion, productivity, and macroeconomic instability in addition to several different control variables, including bank size, ...
Habib Ahmed
The severity of the current financial crisis has shaken the foundations of the capitalist financial system and has led to the search for ideas and solutions. This paper identifies the failure of risk mitigation at different levels as the main cause of the crisis. While following the principles of Is...
Mohammad Morshedur Rahman, Md. Kowsar Hamid, Md Abdul Mannan Khan
This study attempts to investigate capital strength, credit risk, ownership structure, bank size, non-interest income, cost efficiency, off-balance sheet activities, liquidity as potential bank specific determinants as well as growth in gross domestic products, inflation as potential macroeconomic d...
Md. Shahidul Islam, Shin‐Ichi Nishiyama
This paper studies the determinants of net interest margins of banks (NIMs) in four South Asian countries (Bangladesh, India, Nepal and Pakistan) in the period 1997–2012 using panel data of 230 banks. The study is in line of Ho–Saunders (1981) dealership model and its later expansions but extended t...
Abu Hanifa Md. Noman, Chan Sok Gee, Che Ruhana Isa
This study examines the influence of competition on the financial stability of the commercial banks of Association of Southeast Asian Nation (ASEAN) over the 1990 to 2014 period. Panzar-Rosse H-statistic, Lerner index and Herfindahl-Hirschman Index (HHI) are used as measures of competition, while Z-...
Stuart Fraser
A large-scale survey of UK small business finances is analysed for evidence of ethnic discrimination in the credit market. A summary analysis of credit outcomes (loan denials , loan interest rates and discouragement) reveals large differences across ethnic groups with Black and Bangladeshi businesse...
Syed Moudud‐Ul‐Huq, Badar Nadeem Ashraf, Anupam Das Gupta, Changjun Zheng
In this study, we contribute to the ongoing debate on the costs and benefits of bank diversification. Diversification may benefit banks if diversified activities are inherently less risky or yield a high return, while it may hurt banks if diversified activities are more dangerous or possess low retu...
Abu Hanifa Md. Noman, Chan Sok Gee, Che Ruhana Isa