Bericht

Effekter av IRB-metoden på bankenes utlån til norske foretak

This paper analyses how the introduction of the IRB approach may have affected banks' lending to enterprises, lending margins and portfolio quality in Norway. Our results show that the IRB banks' lending margins decreased compared with the standardised approach banks following the introduction of the IRB approach. Growth in lending to the corporate market was also higher for the IRB banks than for the standardised approach banks during the first years after the introduction. However, this may be the result of factors other than the IRB approach. Our analyses do not indicate that the IRB approach has led to finer granularity in the pricing of corporate loans. We find some support for the hypothesis that the IRB approach may have improved the quality of banks' portfolios.

Weitere Titel
Effects of the IRB approach on bank lending to Norwegian enterprises
ISBN
978-82-8379-132-7
Sprache
Norwegisch

Erschienen in
Series: Staff Memo ; No. 1/2020

Klassifikation
Wirtschaft
Thema
regulation
banks
IRB
enterprises
credit

Ereignis
Geistige Schöpfung
(wer)
Andersen, Henrik
Juelsrud, Ragnar Enger
Kostøl, Andreas Ravndal
Ereignis
Veröffentlichung
(wer)
Norges Bank
(wo)
Oslo
(wann)
2020

Handle
Letzte Aktualisierung
10.03.2025, 11:43 MEZ

Datenpartner

Dieses Objekt wird bereitgestellt von:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.

Objekttyp

  • Bericht

Beteiligte

  • Andersen, Henrik
  • Juelsrud, Ragnar Enger
  • Kostøl, Andreas Ravndal
  • Norges Bank

Entstanden

  • 2020

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