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Banks and banking --- Banks and banking, Foreign --- Banks and banking, International
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This paper studies the impact of declining oil prices on banks in sub-Saharan African oil-exporting countries. Results indicate that banks respond differently to an oil shock depending on their ownership: (i) domestic banks are the most adversely impacted and experience a deterioration in asset quality and liquidity; (ii) foreign-owned banks are the most resilient as they are able to improve asset quality and attract deposits but at the same time, they decelerate credit growth; in contrast, (iii) Pan-African Banks help stabilize overall credit but large banks in that segment experience reduced asset quality. These differentiated results suggest a tradeoff between maintaining credit growth and safeguarding financial stability in an oil slump which could be addressed by both micro- and macroprudential policies.
Petroleum products --- Petroleum --- Petroleum industry and trade --- Prices. --- Prices --- Banks and Banking --- Investments: General --- Macroeconomics --- Money and Monetary Policy --- Industries: Financial Services --- Globalization: Macroeconomic Impacts --- Globalization: Finance --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- Energy: Demand and Supply --- Monetary Policy, Central Banking, and the Supply of Money and Credit: General --- General Financial Markets: General (includes Measurement and Data) --- Banking --- Finance --- Monetary economics --- Investment & securities --- Oil prices --- Nonperforming loans --- Credit --- Government securities --- Financial institutions --- Money --- Foreign banks --- Banks and banking --- Loans --- Banks and banking, Foreign --- South Sudan, Republic of
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This paper assesses the effectiveness of lending restriction measures, such as loan-to-value and debt-service-to-income ratios, in affecting developments in house prices and credit. We use data on 99 lending standard restrictions implemented in 28 EU countries over 1990–2018. The results suggest that lending restriction measures are generally effective in curbing house prices and credit. However, the impact is delayed and reaches its peak only after three years. In addition, the impact is asymmetric, with tightening measures having weaker association with target variables compared to loosening measures. The association is stronger in countries outside of euro area and for legally-binding measures and measures involving sanctions. The results have practical implications for macroprudential authorities.
Banks and Banking --- Macroeconomics --- Money and Monetary Policy --- Real Estate --- General Financial Markets: Government Policy and Regulation --- Financial Institutions and Services: Government Policy and Regulation --- Studies of Particular Policy Episodes --- Housing Supply and Markets --- Interest Rates: Determination, Term Structure, and Effects --- Monetary Policy, Central Banking, and the Supply of Money and Credit: General --- Financial Markets and the Macroeconomy --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- Banking --- Property & real estate --- Monetary economics --- Housing prices --- Central bank policy rate --- Credit --- Macroprudential policy instruments --- Foreign banks --- Prices --- Financial services --- Money --- Financial sector policy and analysis --- Financial institutions --- Housing --- Interest rates --- Economic policy --- Banks and banking, Foreign --- Hong Kong Special Administrative Region, People's Republic of China
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This Technical Assistance Report presents discussions focused on the financial market’s developments and monetary operations-related issues. the data collected by the Central Bank of Myanmar (CBM) show that there already exist a significant number of uncollateralized interbank (I/B) transactions in Myanmar, but that the data on these transactions are not effectively used. Analysis shows that banks are conducting both types of uncollateralized transactions rather actively, while the total number and amount of the I/B deposit market are higher than those of the I/B borrowing market. It is recommended that efforts to correct data discrepancy should be continued and that this issue should be solved as soon as possible. It is necessary to find the data discrepancy in a timely manner, correct the data, and ask the reasons for misreporting by communicating with banks. In order to ensure the smooth preparation for the next fiscal year, a recommendation has been made to start preparing the liquidity forecasting for the next fiscal year as soon as possible.
Economic development --- Burma --- Economic conditions. --- Economic policy. --- Development, Economic --- Economic growth --- Growth, Economic --- Economic policy --- Economics --- Statics and dynamics (Social sciences) --- Development economics --- Resource curse --- Banks and Banking --- Finance: General --- Investments: General --- Databases --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- General Financial Markets: General (includes Measurement and Data) --- Data Collection and Data Estimation Methodology --- Computer Programs: General --- Portfolio Choice --- Investment Decisions --- Banking --- Investment & securities --- Finance --- Data capture & analysis --- Government securities --- Foreign banks --- Securities markets --- Data collection --- Financial institutions --- Financial markets --- Liquidity forecasting --- Asset and liability management --- Liquidity --- Banks and banking --- Banks and banking, Foreign --- Capital market --- Economic statistics --- Myanmar
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The Global Financial Crisis unleashed changes in the operating and regulatory environments for large international banks. This paper proposes a novel taxonomy to identify and track business model evolution for the 30 Global Systemically Important Banks (G-SIBs). Drawing from banks’ reporting, it identifies strategies along four dimensions –consolidated lines of business and geographic orientation, and the funding models and legal entity structures of international operations. G-SIBs have adjusted their business models, especially by reducing market intensity. While G-SIBs have maintained international orientation, pressures on funding models and entity structures could affect the efficiency of capital flows through the bank channel.
Accounting --- Banks and Banking --- Industries: Financial Services --- International Financial Markets --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- Business Objectives of the Firm --- International Finance: Other --- Financial Institutions and Services: General --- Public Administration --- Public Sector Accounting and Audits --- Investment Banking --- Venture Capital --- Brokerage --- Ratings and Ratings Agencies --- Financial Institutions and Services: Government Policy and Regulation --- Banking --- Finance --- Financial reporting, financial statements --- Global systemically important banks --- Foreign banks --- Financial statements --- Investment banking --- Financial institutions --- Public financial management (PFM) --- Financial services --- Banks and banking --- Financial services industry --- Banks and banking, Foreign --- Finance, Public --- United States
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