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

Carlos Cantu Garcia, Stijn Claessens () and Leonardo Gambacorta

Journal of Banking & Finance, 2022, vol. 135, issue C

Abstract: This paper investigates how bank-specific characteristics have affected credit growth in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and apply a common empirical strategy to analyse the pre- and post-crisis periods. 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)
Date: 2022
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (3)

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Working Paper: How do bank-specific characteristics affect lending? New evidence based on credit registry data from Latin America (2019)
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Persistent link: https://EconPapers.repec.org/RePEc:eee:jbfina:v:135:y:2022:i:c:s0378426620300856

DOI: 10.1016/j.jbankfin.2020.105818

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