Commercial Lending Concentration and Bank Expertise

Commercial lending concentration and bank expertise: Evidence ...

We find that commercial lending exposure concentration reveals a bank's expertise. Audited report collection is negatively related to exposure concentration.

Commercial Lending Concentration and Bank Expertise - MIT Sloan

Using a dataset of bank-level commercial loan exposures, we find banks are less likely to collect audited financial statements from firms in industries and ...

Commercial Lending Concentration and Bank Expertise: Evidence ...

Commercial Lending Concentration and Bank Expertise: Evidence from Borrower Financial Statements*. Philip G. Berger. Booth School of Business ...

Commercial lending concentration and bank expertise - DSpace@MIT

Lending concentration features prominently in models of information acquisition by banks, but empirical evidence on its role is limited.

Commercial lending concentration and bank expertise - IDEAS/RePEc

Abstract. Lending concentration features prominently in models of information acquisition by banks, but empirical evidence on its role is limited. Using bank- ...

Commercial Lending Concentration and Bank Expertise

Our results offer novel evidence on how bank characteristics are related to the type of financial information they use and support theoretical ...

Commercial Lending Concentration and Bank Expertise

Using bank-level loan exposures, we find banks are less likely to collect audited financial statements from firms in industries and regions in which they have ...

Commercial lending concentration and bank expertise : evidence ...

Commercial lending concentration and bank expertise : evidence from borrower financial statements ; Article · Konferenzbeitrag ; Conference paper ; Aufsatz in ...

Evidence from borrower financial statements - University of Sydney

We find that commercial lending exposure concentration reveals a bank's expertise.•Audited report collection is negatively related to exposure concentration ...

Citations of Commercial lending concentration and bank expertise

Commercial lending concentration and bank expertise: Evidence from borrower financial statements. Author & abstract · Download · 36 References; 42 Citations ...

Commercial lending concentration and bank expertise: Evidence ...

We find that commercial lending exposure concentration reveals a bank's expertise. • Audited report collection is negatively related to exposure concentration.

Commercial Real Estate Loan Concentration Risk Management - FDIC

This article provides an update on the extent of commercial real estate (CRE) lending exposure in the banking industry as a whole.

Balance Sheet Concentrations — Inevitable or Avoidable?

Banks located in heavily populated or urban areas may experience more loan demand for commercial purposes, such as funds to support the operations of local ...

Managing Commercial Real Estate Concentrations - FDIC

Commercial real estate (CRE) loans comprise a major portion of many banks' loan portfolios. Demand for CRE lending—a traditional core business for many ...

Should Regulators Stop Pushing Banks to Diversify Their Lending?

Modest concentration in their commercial loan portfolios helps banks develop valuable industry expertise.

Assessing Loan Portfolio Risk for Mid-Sized Banks? Look to CRE ...

The CRE concentration metric measures the extent to which a bank's loan portfolio consists of commercial and multifamily mortgages as well as construction and ...

Concentration Risk | NCUA

Historical experience shows that concentration of credit risk in asset portfolios has been one of the major causes of bank distress. Basel ...

Concentrations of Credit | Comptroller's Handbook | OCC.gov

6 Credit concentrations are often the most material concentration risk in a bank because lending is the primary activity for most banks. Supervisors have long ...

Commercial Real Estate Market Stress Poses a Challenge to Banks

Since 2006, banks have been subject to interagency guidance by the federal bank regulators on concentration risk in CRE lending (PDF). While ...

Lending concentration, bank performance and systemic risk

Using both market-based and annual report-based approaches to measure lending specialization for a broad cross-section of banks and countries over the ...