Template-Type: ReDIF-Paper 1.0
Author-Name:   Carlos Cantú
Author-X-Name-First: Carlos
Author-X-Name-Last: Cantú
Author-Name: Leonardo Gambacorta
Author-X-Name-First: Leonardo
Author-X-Name-Last: Gambacorta
Title: How do bank-specific characteristics affect lending? New evidence based on credit registry data from Latin America
Abstract: This paper focuses on the recent changes in banking systems and how bank-specific characteristics have affected credit supply in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and apply a common empirical strategy. Since data confidentiality prevents the pooling of the data, we use meta-analysis techniques to summarise the results. We find that large and well-capitalised banks with low risk indicators, stable sources of funding, and a commercial business model generally supply more credit. Such banks are also more sheltered from monetary and global shocks, with the role of specific characteristics varying by the type of shock.
Length: 36 pages
Creation-Date: 2019-07
File-URL: https://www.bis.org/publ/work798.pdf
File-Format: Application/pdf
File-Function: Full PDF document
File-URL: https://www.bis.org/publ/work798.htm
File-Format: text/html
Number: 798
Classification-JEL: E51, E58, G21
Keywords: bank business models, bank lending, credit registry data, meta-analysis
Handle: RePEc:bis:biswps:798