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Does change in the market structure have any impact on different types of bank loans in the EU?

Georgios Kouretas () and Małgorzata Pawłowska ()

Journal of International Financial Markets, Institutions and Money, 2020, vol. 65, issue C

Abstract: The aim of this paper is to investigate the issue of asymmetry of credit market determinants of bank loans (corporate, consumer, and residential mortgage loans) between the CEE-11 countries (Bulgaria, Croatia, the Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Slovakia, Slovenia, Romania) and other EU countries (Austria, Belgium, Denmark, Finland, France, Greece, Italy, Spain, the Netherlands, Ireland, Luxembourg, Germany, Portugal, Sweden, United Kingdom, Malta, and Cyprus) after the global financial crisis (GFC) of 2007–09 in the context of market structure and foreign bank presence. Using the dynamic panel model, this study finds differences in the determinants of growth in loans for two groups of countries after the global financial crisis. Furthermore, a panel data analysis of CEE-11 countries against other EU countries also finds differences between determinants of different types of bank loans. The influence of foreign capital and concentration on credit growth is different depending on the type of loans. Finally, this paper complement the evidence for support for sectoral and country specific approach in a macroprudential policy tools.

Keywords: Banks; Credit growth; Concentration; Foreign ownership; EU; CEE-11 (search for similar items in EconPapers)
JEL-codes: F36 G2 G21 G34 L1 (search for similar items in EconPapers)
Date: 2020
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DOI: 10.1016/j.intfin.2019.101165

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Journal of International Financial Markets, Institutions and Money is currently edited by I. Mathur and C. J. Neely

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