Banks and capital requirements: Channels of adjustment

被引：81

作者：

Cohen, Benjamin H. ^{[1
]}

Scatigna, Michela ^{[1
]}

机构：

[1] Bank Int Settlements, Monetary & Econ Dept, Basel, Switzerland

来源：

JOURNAL OF BANKING & FINANCE | 2016年 / 69卷

关键词：

Banks; Bank capital; Regulation; Capital ratios; Basel III;

D O I：

10.1016/j.jbankfin.2015.09.022

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

Bank capital ratios have increased steadily since the financial crisis. For a sample of 101 large banks from advanced and emerging economies, retained earnings account for the bulk of their higher risk-weighted capital ratios, with reductions in risk weights playing a lesser role. On average, banks continued to expand their lending in real terms, though lending contracted among European banks. Lower dividend payouts and (for advanced economy banks) wider lending spreads have contributed to banks' ability to use retained earnings to build capital. Banks that came out of the crisis with higher capital ratios and stronger profitability were able to expand lending more. (C) 2016 Elsevier B.V. All rights reserved.

引用

页码：S56 / S69

页数：14