- AI’s impact on banking: use cases for credit scoring and fraud detection
Report · 20 November 2025
The newsletter reviews recent supervisory priorities and emerging risks for euro-area banks, highlighting macroeconomic uncertainty, higher interest rates, and possible credit-quality deterioration…
- El papel de la inteligencia artificial en la transformación de la supervisión financiera
Report · 14 October 2025
The document explains how AI is becoming a central tool for modernizing financial supervision in Colombia, enabling faster and more accurate analysis of large volumes of supervisory data, detection…
- Data management, statistics, and the Credit Register
Report
The Latvijas Banka's data strategy centers on implementing the Data Strategy (2024–2026) to modernize its data management, statistics, and Credit Register operations. This strategic shift includes…
- Cross-border Spillovers from Reducing Non-performing Loans
13 May 2022
This paper sheds light on the effectiveness of policies addressing high non-performing loans (NPLs). Using data on ownership of subsidiaries of foreign banks in Emerging Europe, we first show that…
- Fintech, Regulatory Arbitrage, and the Rise of Shadow Banks
27 March 2017
Shadow bank market share in residential mortgage origination nearly doubled from 2007-2015, with particularly dramatic growth among online “fintech” lenders. We study how two forces, regulatory…
- Dealing with the Vulnerability of the Italian Banking System
9 March 2018
The major vulnerabilities of the Italian banking system are the overhang of NPLs and low profitability. Differently from the attention given to excesses of NPLs, the profitability problem is normally…
- Market Structure and New Technology: Case from the Loan Markets in the EU
4 August 2022
The aim of this paper is to investigate whether the market structure and new technology have an impact on bank loan markets in the European Union. The impact of new technology on three types of bank…
- Bank Risk-Taking, Securitization, Supervision and Low Interest Rates: Evidence from the Euro Area and the U.S. Lending Standards
5 October 2010
Using a unique dataset of the Euro area and the U.S. bank lending standards, we find that low (monetary policy) short-term interest rates soften standards, for household and corporate loans. This…
- The Effect of Bank Supervision on Loan Growth
5 November 2006
This paper quantifies the short-term and long-term impact of bank supervision (measured using CAMEL composite and component ratings) on different categories of loan growth: (a) commercial and…
- The Effects of Capital on Bank Lending in Large EU Banks – The Role of Procyclicality, Income Smoothing, Regulations and Supervision
1 January 2015
This paper aims to find out what the impact is of bank capital ratios on loan supply in the EU and what factors explain the potential diversity of this impact. Applying the Blundell and Bond (1998)…
- A Panel Data Analysis into the Impact of Regulations and Supervision on the African Banking Profitability and Risk Profile
Report · 3 May 2022
This paper investigated the effect of banking regulations and supervision on the profitability and risk profile of banks in selected African countries over the period 2009 to 2019. The study focused…
- Regulations, Supervision Approaches and Acquisition Likelihood in the Asian Banking Industry
27 January 2007
We investigate the association between the regulatory and supervision framework and the acquisition likelihood in the Asian banking industry. The sample consists of 472 commercial banks operating in…
- Joint Forum release of "Credit risk transfer" paper
Standard or Guidance · 31 March 2008
This 2008 consultation paper from the Joint Forum serves as a "real-time" post-mortem of the technical failures that triggered the Global Financial Crisis. Commissioned by the Financial Stability…
- Bank of Finland/Fin-FSA’s credit register and cloud-based analytics platform
Solution
Finland's financial regulators deployed an innovative suptech solution combining a positive credit register with a cloud-based analytics platform, enabling unprecedented visibility into household…
- Consumer Loans Statistics -Loan Accounts
Open Data
This dataset contains loan accounts data from the Philippines - inclusive of historical and current data
- Credit Card Receivables Statistics - Loan Accounts
Open Data
This dataset contains credit card receivables from the Philippine Banking system including universal/ commercial banks, and thrift banks. The dataset is provided in both in static and interactive…
- Loans Outstanding: For Production and Household Consumption (PSIC 2009) Philippine Banking System - Financial System Accounts
Open Data
This dataset contains outstanding loans, denoting the unpaid loans provided by universal and commercial banks. The dataset differentiates between loans for production purposes and those for household…
- Ratios for community and noncommunity banks
Open Data
Tier by tier bank performance ratios all FDIC-insured institutions for each quarter back to 1984
- Publication of "FSA Analytical Notes (2025.5) "
30 May 2025
Japan's FSA leveraged AI technology, including large language models, to systematically analyse text data from financial institutions' disclosure reports and extract information on specific topics…
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