How do bank-specific characteristics affect lending? New evidence based on credit registry data from Latin America

Carlos Cantu Garcia and Leonardo Gambacorta

No 798, BIS Working Papers from Bank for International Settlements

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.

Keywords: bank business models; bank lending; credit registry data; meta-analysis (search for similar items in EconPapers)
JEL-codes: E51 E58 G21 (search for similar items in EconPapers)
Pages: 36 pages
Date: 2019-07
New Economics Papers: this item is included in nep-ban, nep-cba, nep-mac and nep-mon
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Journal Article: How do bank-specific characteristics affect lending? New evidence based on credit registry data from Latin America (2022)
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Persistent link: https://EconPapers.repec.org/RePEc:bis:biswps:798

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