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What determines the composition of banks’ loan portfolios?: evidence from transition countries

De Haas, Ralph, Ferreira, Daniel and Taci, Anita (2010) What determines the composition of banks’ loan portfolios?: evidence from transition countries. Journal of Banking and Finance, 34 (2). pp. 388-398. ISSN 0378-4266

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Abstract

This paper explores how bank characteristics and the institutional environment influence the composition of banks’ loan portfolios. We use a new and unique data set based on the EBRD Banking Environment and Performance Survey (BEPS), which was conducted for 220 banks in 20 transition countries. We show that bank ownership, bank size, and legal creditor protection are important determinants of the composition of banks’ loan portfolios. In particular, we find that foreign banks play an active role in mortgage lending. Moreover, banks that perceive pledge and mortgage laws to be of high quality choose to focus more on mortgage lending.

Item Type: Article
Official URL: http://www.sciencedirect.com/science/journal/03784...
Additional Information: © 2010 Elsevier
Library of Congress subject classification: H Social Sciences > HG Finance
Sets: Research centres and groups > Managerial Economics and Strategy Group
Rights: http://www.lse.ac.uk/library/usingTheLibrary/academicSupport/OA/depositYourResearch.aspx
Date Deposited: 14 Apr 2011 09:03
URL: http://eprints.lse.ac.uk/35138/

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