Determinants of Bank Lending Performance in Germany

Impact of Monetary Policy (Interest Rate) Regimes on the Performance of the Banking Sector in Nigeria

“…If there is an increasing demand for credit and the supply remains constant, the interest rate rises and vice versa. Ewert (2000) suggest that the higher the failure risk of the borrower, the higher the interest premium.…”

Banking relationship and credit terms: empirical evidence from Portuguese small firms

“…On its own, the length of the banking relationship does not reveal the degree of solidity of the relationship, as the length of the relationship in isolation does not transmit any relevant information to the bank, and therefore some empirical studies carried out (Blackwell and Winters, 1997;Ewert andSchenk, 1998 andUzzi, 1999 among others) have added a complementary variable indicating the number of bank products acquired, especially "capturing" products that allow at least two types of benefits for the lending bank: improved customer profitability (which, in an overall analysis, can allow to compensate for possible reductions in the risk premium on the credit) and accumulation of soft information from the way the various products are used, with direct benefits for the credit terms obtained by SME.…”

“…The degree of borrowing concentration variable (DBC) with the lending bank used in this study is a substitute of the number of lending banks used by the borrowing firm, which can also transmit an approximate picture of the stability of the banking relationship. This variable was used in several studies (Blackwell and Winters, 1997;Auria et al, 1999;Ewert and Schenk, 1998;Ziane, 2003).…”

Does a Banking Relationship Help a Firm on the Syndicated Loans Market in a Time of Financial Crisis?

“…Spread determinants were analysed before the crisis arose, particularly through empirical approaches. The features of the loan agreement (especially the facility and the amount -see Gadanecz, 2004 or Bosch, 2007) are determinant, as is the borrower risk (Angbazo et al 1998, Ewert andSchenk, 1998) and borrower opacity (Harjoto et al1998, Bosch, 2007. One very interesting point is the role played by the syndicate structure: the number of banks, but also the relative commitments of the arrangers compared to the participating banks explain the spread (Casolaro et al, 2003, Altunbas and Gadanecz, 2004, Corwin and Schultz, 2005.…”