Bank-Specific, Macroeconomic or Structural Variables: Which Explains Bank Enterprise Lending? The Evidence from Transition Countries

Ewa Miklaszewska () and Krzysztof Kil
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Ewa Miklaszewska: Cracow University of Economics
Krzysztof Kil: Cracow University of Economics

Chapter 4 in Bank Funding, Financial Instruments and Decision-Making in the Banking Industry, 2016, pp 63-94 from Palgrave Macmillan

Abstract: Abstract The aim of this paper is to analyze trends in lending policies, in particular the corporate loan share of eleven countries in Central and Eastern Europe (CEE), in an attempt to determine the main factors influencing the ability of their banking systems to efficiently provide credit services to the economy. Panel data analysis makes it possible to formulate a policy conclusion that in order to influence the structure of a loan portfolio and stimulate corporate loans, an efficient and high-performance banking market, epitomized by a high Multi-Level Performance Score, is not sufficient. Of greater importance are a favorable macroeconomic environment, an increasing scale, and the universal profile of banks. However, the last two entail considerable risk.

Keywords: Loan Portfolio; Bank Performance; Banking Market; Asset Ratio; Bank Size (search for similar items in EconPapers)
Date: 2016
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Persistent link: https://EconPapers.repec.org/RePEc:pal:pmschp:978-3-319-30701-5_4

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DOI: 10.1007/978-3-319-30701-5_4

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