Post-Crisis Bank Behavior: Lessons from Mercosur

Did the occurrence of systemic banking crises in the 1990s and 2000s significantly alter the behavior of banks in the Mercosur? The objective of this paper is to answer this question by analyzing changes in bank behavior after crises in the Mercosur region. To our knowledge, this is the first paper...

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Hauptverfasser: Fund, International Monetary, Mlachila, Montfort
Format: E-Book Buch
Sprache:Englisch
Veröffentlicht: Washington International Monetary Fund 01.01.2010
Ausgabe:1
Schlagworte:
Bank Behavior
Bank Credit
Bank Crisis
Banking Crisis
Banks and banking
Commercial Banks
Convergence
Convergence (Economics)
Credit Restraint
Credit Risk
Economic Models
Excess Liquidity
Mercosur
Profits
Brazil
Argentina
Paraguay
Uruguay
Private sector
ISBN:1451961618, 9781451961614, 145191850X, 9781451918502, 9781452798486, 1452798486
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Abstract Did the occurrence of systemic banking crises in the 1990s and 2000s significantly alter the behavior of banks in the Mercosur? The objective of this paper is to answer this question by analyzing changes in bank behavior after crises in the Mercosur region. To our knowledge, this is the first paper to apply the convergence methodology-which is common in the growth literature-to post-crisis bank behavior. Using a panel dataset of commercial banks during the period 1990-2006, we analyze the impact of crises on four sets of financial indicators of bank behavior-profitability, maturity preference, credit supply, and risk. The paper finds that most indicators of bank behavior, such as profitability, in fact revert to previous or more normal levels. However, a key finding of the paper is that private sector intermediation is significantly reduced for prolonged periods of time and that high levels excess liquidity persist well after the crisis.
AbstractList Did the occurrence of systemic banking crises in the 1990s and 2000s significantly alter the behavior of banks in the Mercosur? The objective of this paper is to answer this question by analyzing changes in bank behavior after crises in the Mercosur region. To our knowledge, this is the first paper to apply the convergence methodology-which is common in the growth literature-to post-crisis bank behavior. Using a panel dataset of commercial banks during the period 1990-2006, we analyze the impact of crises on four sets of financial indicators of bank behavior-profitability, maturity preference, credit supply, and risk. The paper finds that most indicators of bank behavior, such as profitability, in fact revert to previous or more normal levels. However, a key finding of the paper is that private sector intermediation is significantly reduced for prolonged periods of time and that high levels excess liquidity persist well after the crisis.
Author Sarah O. Sanya
Montfort Mlachila
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Keywords Brazil
Argentina
Paraguay
Uruguay
Private sector
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Snippet Did the occurrence of systemic banking crises in the 1990s and 2000s significantly alter the behavior of banks in the Mercosur? The objective of this paper is...
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SubjectTerms Bank Behavior
Bank Credit
Bank Crisis
Banking Crisis
Banks and banking
Commercial Banks
Convergence
Convergence (Economics)
Credit Restraint
Credit Risk
Economic Models
Excess Liquidity
Mercosur
Profits
TableOfContents Intro -- Contents -- I. Introduction -- II. Banking Crises in Mercosur -- A. General Overview of Post-Crisis Banking Behavior -- B. The Evolution of Bank Crises in Mercosur -- III. Methodology and Data Issues -- A. The Concept of Convergence and Bank Behavior -- B. The Regression Framework -- C. Data Sources and Issues -- IV. The Results -- A. Descriptive Statistics -- B. Regression Analysis -- V. Robustness Tests -- A. Alternative Benchmarks -- B. Results -- C. The Behavior of Foreign and Large Banks -- VI. Concluding Remarks -- References -- Figures -- 1. Ratio of Public Sector Credit to Gross Domestic Product -- 2. Ratio of Private Sector Credit to Gross Domestic Product -- 3. Ratio of Loans to Assets -- 4. Ratio of Private Sector Credit to Gross Domestic Product -- 5. Capitalization -- 6. Commercial Bank's Reserves to Gross Domestic Product -- Tables -- 1. Mercosur: Bank Behavior Summary Statistics -- 2. Correlations Between Selected Variables -- 3. Summary Results for Absolute and Conditional Convergence -- 4. Results for Absolute and Conditional Sigma Convergence by Country -- 5. Results for Absolute and Conditional Sigma Convergence by Countries -- 6. Summary Results for Sigma Convergence Using Chile and Norway as Alternative Benchmarks -- 7. Absolute Sigma Convergence by Bank Type -- Appendix -- I. Variable Definitions and Sources
Title Post-Crisis Bank Behavior: Lessons from Mercosur
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