The change in banks' business models and their impact on bank lending: an empirical analysis using credit registry data (2017-)

Since the Great Financial Crisis, banks' activities and business models have undergone many changes. These and other changes have had profound effects on how banks grant credit and are also likely to have affected how banks react to monetary policy and external shocks. The objective of the project is to study in a more comprehensive way the role of bank characteristics in influencing the supply of credit and how these characteristics affect the reaction of bank lending to shocks.

Each participating Latin American central bank is developing its own analysis, using a similar methodology to enhance the comparability of the results. To disentangle the effects of credit supply from those of credit demand, each analysis employs very granular data at the bank-firm level.

Leonardo Gambacorta of the BIS is the project's main academic adviser.

Meetings

Workshop of the BIS CCA CGDFS Working Group on "Changes in banks' business models and their impact on bank lending: an empirical analysis using credit registry data", Mexico City, 29-30 January 2018.

Closing conference of the BIS CCA CGDFS Working Group on "Changes in banks' business models and their impact on bank lending: an empirical analysis using credit registry data", Mexico City, 6-7 September 2018.