Do Bank Characteristics Affect Bank Lending Behaviour?
Solomon, H., Mullineux, A. and De Jager, P. 2022. Do Bank Characteristics Affect Bank Lending Behaviour? The African Finance Journal. 24 (1), pp. 1-15.
Solomon, H., Mullineux, A. and De Jager, P. 2022. Do Bank Characteristics Affect Bank Lending Behaviour? The African Finance Journal. 24 (1), pp. 1-15.
Title | Do Bank Characteristics Affect Bank Lending Behaviour? |
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Type | Journal article |
Authors | Solomon, H., Mullineux, A. and De Jager, P. |
Abstract | This paper investigates the bank lending behaviour in South Africa to see how banks with different characteristics and different types of loans react during changes in interest rates. We find asymmetric effects in the adjustment of loan supply by banks of different characteristics during periods of monetary easing. Smaller, less liquid, poorly capitalised banks are slower in adjusting loan supply during periods of monetary easing. Our study reveals that we may be missing significant information about the monetary transmission mechanism in South Africa by not using bank loan components in analysis. |
Keywords | bank characteristics |
bank lending channel | |
monetary policy | |
panel data | |
South Africa | |
Journal | The African Finance Journal |
Journal citation | 24 (1), pp. 1-15 |
ISSN | 1605-9786 |
Year | 2022 |
Publisher | African Finance Association |
Web address (URL) | https://journals.co.za/doi/10.10520/ejc-finj_v24_n1_a1 |