Basel Capital Requirements and Credit Crunch in the MENA Region

Released on by Mr.Sami Ben Naceur
preview-18

  • Basel Capital Requirements and Credit Crunch in the MENA Region Book Detail

  • Author : Mr.Sami Ben Naceur
  • Release Date : 2013-07-03
  • Publisher : International Monetary Fund
  • Genre : Business & Economics
  • Pages : 39
  • ISBN 13 : 1484354478
  • File Size : 89,89 MB
DOWNLOAD BOOK

Basel Capital Requirements and Credit Crunch in the MENA Region by Mr.Sami Ben Naceur PDF Summary

Book Description: The 1988 Basel I Accord set the common requirements of bank capital to promote the soundness and stability of the international banking system. The agreement required banks to hold capital in proportion to their perceived credit risks, and this requirement may have caused a “credit crunch,” a significant reduction in the supply of credit. We investigate the direct link between the implementation of the Basel I Accord and lending activities, using a data set spanning annual observations covering 1989–2004 for banks in Egypt, Jordan, Lebanon, Morocco, and Tunisia. The results provide clear support for a significant increase in credit growth following the implementation of capital regulations, in general. Despite higher capital adequacy ratios, banks expanded credit and asset growth. Credit growth appears to be driven by demand fluctuations attributed to real growth, cost of borrowing, and exchange rate risk. Overall, the effects of macroeconomic variables, in contrast to capital adequacy, appear to be more dominant in determining credit growth, regardless of the capital adequacy ratio, and regardless of variation across banks by nationality, ownership, and listing.

Disclaimer: www.yourbookbest.com does not own Basel Capital Requirements and Credit Crunch in the MENA Region books pdf, neither created or scanned. We just provide the link that is already available on the internet, public domain and in Google Drive. If any way it violates the law or has any issues, then kindly mail us via contact us page to request the removal of the link.

Basel Accord and Lending Behavior

Basel Accord and Lending Behavior

File Size : 38,38 MB
Total View : 2800 Views
DOWNLOAD

In 1988, an agreement was reached in Basel to set the common requirements of bank capital towards promoting the soundness and stability of the international ban