Dynamic Provisioning: Some Lessons from Existing Experiences

Santiago Fernández de Lis and Alicia Garcia Herrero
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Santiago Fernández de Lis: Asian Development Bank Institute
Alicia Garcia Herrero: Asian Development Bank Institute

No 218, ADBI Working Papers from Asian Development Bank Institute

Abstract: After analyzing the different reasons why the financial system and also the regulatory framework induced procyclicality, this paper reviews the experiences of three countries which have introduced dynamic provisioning as a regulatory tool to limit procyclicality. The case of Spain—the country with the longest experience—is reviewed, as well as those of Colombia and Peru—countries that have recently adopted dynamic provisioning. A number of policy lessons are drawn from that comparison.

Keywords: dynamic provisioning; colombia; peru; spain; bank regulation; procyclical (search for similar items in EconPapers)
JEL-codes: E32 G21 G28 G32 (search for similar items in EconPapers)
New Economics Papers: this item is included in nep-ban, nep-mac and nep-reg
Date: 2010-05-26
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Persistent link: http://EconPapers.repec.org/RePEc:ris:adbiwp:0218

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