Problem Loans and Cost Efficiency in Commercial Banks
Problem Loans and Cost Efficiency in Commercial Banks

Author: Allen N. Berger

Publisher:

Published: 1996

Total Pages: 45

ISBN-13:

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This paper addresses a little examined intersection between the problem loan literature and the bank efficiency literature. We employ Granger-causality techniques to test four hypotheses regarding the relationships among loan quality, cost efficiency and bank capital. The data suggest that problem loans precede reductions in measured cost efficiency: that cost efficiency precedes reductions in problem loans; and that reductions in capital at thinly capitalized banks precede increases in problem loans. Hence, cost efficiency may be an important indicator of future problem loans and problem banks. Our results are ambiguous concerning whether or not researchers should include loan quality in efficiency estimation.

Output Measurement in the Service Sectors
Output Measurement in the Service Sectors

Author: Zvi Griliches

Publisher: University of Chicago Press

Published: 2008-04-15

Total Pages: 576

ISBN-13: 0226308898

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Is the fall in overall productivity growth in the United States and other developed countries related to the rising share of the service sectors in the economy? Since services represent well over half of the U.S. gross national product, it is also important to ask whether these sectors have had a slow rate of growth, as this would act as a major drag on the productivity growth of the overall economy and on its competitive performance. In this timely volume, leading experts from government and academia argue that faulty statistics have prevented a clear understanding of these issues.

Commercial Problem Loans
Commercial Problem Loans

Author: Robert H. Behrens

Publisher: Irwin Professional Publishing

Published: 1983

Total Pages: 248

ISBN-13:

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This newly revised edition is intended to be used as an aid to loan officers, thus giving them a better understanding of the organization and operation of the loan department. Two case studies based on actual problem loan situations are included.

A Strategy for Resolving Europe's Problem Loans
A Strategy for Resolving Europe's Problem Loans

Author: Mr.Shekhar Aiyar

Publisher: International Monetary Fund

Published: 2015-09-24

Total Pages: 79

ISBN-13: 1513511653

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Europe’s banking system is weighed down by high levels of non-performing loans (NPLs), which are holding down credit growth and economic activity. This discussion note uses a new survey of European country authorities and banks to examine the structural obstacles that discourage banks from addressing their problem loans. A three pillared strategy is advocated to remedy the situation, comprising: (i) tightened supervisory policies, (ii) insolvency reforms, and (iii) the development of distressed debt markets.

Competition and Efficiency in Hungarian Banking
Competition and Efficiency in Hungarian Banking

Author: Dimitri Vittas

Publisher: World Bank Publications

Published: 1992

Total Pages: 46

ISBN-13: 9610031544

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Considerable progress has been made in reforming the Hungarian banking system and strengthening its legal and regulatory framework. But Hungarian banking suffers from market segmentation and high nominal spreads, caused by high inflation, low leverage, and nonperforming loans.