- Investing in Lending Technology: It Spending in Banking
29 August 2022
Banks’ lending technology hinges on their handling of soft and hard information in dealing with different types of credit demand. Through assembling a novel dataset on banks’ investment in…
- Organizational Capital and the Effects of Technology Shocks on the Characteristics of Earnings
Report · 24 April 2023
The objective of this study is to hypothesize and test the effects that the introduction of new productive technologies into an an economy have on the characteristics of earnings. To do this, I…
- The Effect of Investing Abroad on Investment at Home: On the Role of Technology, Tax Savings, and Internal Capital Markets
Report · 5 June 2017
This paper examines the relationship between foreign and domestic investment activity of multinational enterprises. The empirical analysis is based on micro data of German firms and their operations…
- Cross-Border Spillovers from Reducing Non-Performing Loans
Report · 27 January 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…
- Growth Opportunities, Technology Shocks and Asset Prices
14 March 2009
We explore the impact of investment-specific technology (IST) shocks on the cross-section of stock returns. IST shocks reflect technological advances embodied in new capital goods. Using a structural…
- Quantifying the Business Value of Information Technology: An Illustration of the 'Business Value Linkage' Framework
31 October 2008
Senior management's ability to gauge the business value of investments in information technology (IT) hasbeen seriously hampered by a lack of analytic tools to conduct sound performance assessment.…
- 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…
- Supervisor Ratings and the Contraction of Bank Lending to Small Businesses
Report · 27 December 2012
Bank lending to small firms in the U.S. fell substantially during the recent financial crisis and the ensuing recession. Because small firms account for a disproportionate share of new job creation…
- Islamic Finance and Conventional Financial Systems - Market Trends, Supervisory Perspectives and Implications for Central Banking Activity
8 December 2010
The paper analyses Islamic finance from the central bank and supervisory authority’s perspective, focusing on the European and Italian context. It depicts a rapidly expanding sector, with recent…
- Distress in European Banks: An Analysis Based on a New Dataset
Report · 11 March 2009
The global financial crisis has highlighted the importance of early identification of weak banks: when problems are identified late, solutions are much more costly. Until recently, Europe has seen…
- The Risk Weights of the IRB Approaches
20 January 2005
The article analyses the risk weights of the IRB approaches as suggested by the Basel Committee on Banking Supervision in January 2001. It is shown that the risk weight formulas can be considerably…
- Do High Technology Acquirers Become More Innovative?
15 May 2010
Drawing on organisational, managerial and financial theories, we explore whether acquirers become more innovative and the factors that can enhance their absorptive and financial capacity to benefit…
- 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…
- Risk Mitigating versus Risk Shifting: Evidence from Banks Security Trading in Crises
22 November 2020
We show that risk-mitigating incentives dominate risk-shifting incentives in fragile banks. We study security trading by banks, as banks can easily and quickly change their risk exposure within their…
- Optimal Regulatory Design for the Central Bank of Russia
26 July 2007
The Central Bank of Russia (CBR) assumes a wide range of functions not raditional to a central bank. In addition to the daily conduct of monetary policy, it acts as a regulator and supervisor of the…
- Growth Opportunities, Technology Shocks, and Asset Prices
27 January 2012
We explore the impact of investment-specific technology (IST) shocks on the crosssection of stock returns. IST shocks reflect technological advances embodied in new capital goods. Using a structural…
- The Case for a Normatively Charged Approach to Regulating Shadow Banking - Multipolar Regulatory Dialogues as a Means to Detect Tail Risks and Preclude Regulatory Arbitrage
8 October 2019
This paper contributes to the debate on the adequate regulatory treatment of non-bank financial intermediation (NBFI). It proposes an avenue for regulators to keep regulatory arbitrage under control…
- The Effect of Regulatory and Supervisory Framework on Bank Risk Management in Nigeria
Report · 24 November 2010
The paper aims at investigating the relationship between Regulatory and Supervisory effects on banks risk management. Both descriptive and inferential statistics were used. A total of 260…
- Investing in Lending Technology: IT Spending in Banking
6 October 2021
This paper studies the economics behind the investment in information technologies (IT) by U.S. commercial banks in the past decade. By linking banks’ IT spending to their lending technologies, we…
- Institutional Setup and Banking Regulation: Evidence From Panel Data
26 May 2020
In this paper, we study the effects of different institutional setups on banking regulation and supervision. In-depth econometric analyses are carried out on panel data over the period 1975- 2005 on…
- Macroprudential Approach to Regulation - Scope and Issues
6 June 2011
This paper provides an overview of the Reserve Bank of India’s approach to macroprudential regulation and systemic risk management, and reviews lessons drawn from the Indian experience. It emphasizes…
- 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…
- Banking Technology in a Markov Switching Economy
14 December 2018
We take the user cost approach to modeling the financial firm that maximizes capitalized variable profit to investigate whether the monetary transmission mechanism differs in low and high interest…
- An Early Warning System for Less Significant Italian Banks
Report · 6 August 2019
This paper presents a statistical early warning system for less significant institutions (LSIs) under the direct supervision of the Bank of Italy. The model is calibrated on the basis of a wider…
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