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Tag Archives: Banking
Loan evergreening: does it “save” firms?
I have written about my paper on loan evergreening in Uruguay in a couple of previous posts (here and here). A paper that is coming soon, by the way. The strategy we study—providing a bullet loan to repay an existing … Continue reading
Loan evergreening: the role of bank solvency
In a previous post, I discussed how a couple of economists at the Banco Central del Uruguay and I are identifying instances of loan evergreening—when banks provide additional credit so that firms repay their previous loans—using very granular data. The … Continue reading
Loan evergreening
Loan evergreening is a situation where banks provide loans to firms in order to ensure that firms keep repaying the existing (previous) loans. It is a concept related to zombie lending, broadly defined as lending to non-viable firms. Loan evergreening … Continue reading
Arbitrage in SME lending
One of the big concerns of the aftermath of the Covid-19 crisis is that the recovery might take much longer because many firms, particularly small and medium (SMEs), will have closed down for good. From the very beginning, different actions … Continue reading
Limiting borrowers leverage
In the last post I talked about the countercyclical capital buffer (CCyB), a new regulatory tool to increase banks’ capital requirements that most countries have not used but that could have been effective to mitigate the Covid-19 crisis. As I … Continue reading
Countercyclical capital buffers and regulatory discretion
One of the main regulations that banks have to comply with are capital requirements; in particular, banks need to hold a minimum amount of capital depending on the composition of their investments (assets). Actually, the use of the word “hold”, … Continue reading
Economics of voluntary information sharing
Almost a month ago now I attended the wonderful 3rd Bristol Workshop in Banking and Financial Intermediation at the University of Bristol. I was there to act as discussant of a paper titled Economics of voluntary information sharing, presented by … Continue reading
6th Emerging scholars conference – more papers
Continuing my brief summaries of some of the papers presented in the December’18 Emerging scholars conference (see the first one), I bring a paper on how capital regulation affects the repo market by Antonis Kotidis and Neeltje van Horen. I … Continue reading
Danske Bank and HSBC
We have learned today that Danske Bank is being charged for its money laundering scandal. It seems that its branch in Estonia (the only one there) handled around €200bn of Russian and other ex-Soviet money—apparently a large part of it … Continue reading
Client clearing
When Lehman went bankrupt, it had over 900,000 derivative transactions with other counterparties. While many of these transactions were closed down in the following weeks, a significant number of bilateral over-the-counter derivatives were the object of dispute for months, even … Continue reading
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