Verfügbarkeit: How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries

How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries:

The paper analyzes the relationship between bank competition and stability, with a specific focus on the Middle East and North Africa. Price competition has a positive effect on bank liquidity, as it induces self-discipline incentives on banks for the choice of bank funding sources and for the holdi...

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1. Verfasser:	Almarzoqi, Raja (VerfasserIn)
Format:	Elektronisch E-Book
Sprache:	English
Veröffentlicht:	Washington, D.C International Monetary Fund 2015
Schriftenreihe:	IMF Working Papers: Working Paper No. 15 / 210
Online-Zugang:	UBW01 UEI01 LCO01 SBR01 UER01 SBG01 UBG01 FAN01 UBT01 FKE01 UBY01 UBA01 FLA01 UBM01 UPA01 UBR01 FHA01 FNU01 BSB01 TUM01 Volltext
Zusammenfassung:	The paper analyzes the relationship between bank competition and stability, with a specific focus on the Middle East and North Africa. Price competition has a positive effect on bank liquidity, as it induces self-discipline incentives on banks for the choice of bank funding sources and for the holding of liquid assets. On the other hand, price competition may have a potentially negative impact on bank solvency and on the credit quality of the loan portfolio. More competitive banks may be less solvent if the potential increase in the equity base-due to capital adjustments-is not large enough to compensate for the reduction in bank profitability. Also, banks subject to stronger competitive pressures may have a higher rate of nonperforming loans, if the increase in the risk-taking incentives from the lender's side overcomes the decrease in the credit risk from the borrower's side. In both cases, country-specific policies for market entry conditions-and for bank regulation and supervision-may significantly affect the sign and the size of the relationship. The paper suggests policy reforms designed to improve market contestability and to increase the quality and independence of prudential supervision
Beschreibung:	1 Online-Ressource (43 p)
ISBN:	1513581910 9781513581910

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series2	IMF Working Papers: Working Paper No. 15 / 210
spelling	Almarzoqi, Raja Verfasser aut How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries Almarzoqi, Raja Washington, D.C International Monetary Fund 2015 1 Online-Ressource (43 p) txt rdacontent c rdamedia cr rdacarrier IMF Working Papers: Working Paper No. 15 / 210 The paper analyzes the relationship between bank competition and stability, with a specific focus on the Middle East and North Africa. Price competition has a positive effect on bank liquidity, as it induces self-discipline incentives on banks for the choice of bank funding sources and for the holding of liquid assets. On the other hand, price competition may have a potentially negative impact on bank solvency and on the credit quality of the loan portfolio. More competitive banks may be less solvent if the potential increase in the equity base-due to capital adjustments-is not large enough to compensate for the reduction in bank profitability. Also, banks subject to stronger competitive pressures may have a higher rate of nonperforming loans, if the increase in the risk-taking incentives from the lender's side overcomes the decrease in the credit risk from the borrower's side. In both cases, country-specific policies for market entry conditions-and for bank regulation and supervision-may significantly affect the sign and the size of the relationship. The paper suggests policy reforms designed to improve market contestability and to increase the quality and independence of prudential supervision Online-Ausg Ben Naceur, Sami Sonstige oth Scopelliti, Alessandro Sonstige oth http://www.elibrary.imf.org/view/IMF001/22862-9781513581910/22862-9781513581910/22862-9781513581910.xml Verlag URL des Erstveröffentlichers Volltext
spellingShingle	Almarzoqi, Raja How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries
title	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries
title_auth	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries
title_exact_search	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries
title_exact_search_txtP	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries
title_full	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries Almarzoqi, Raja
title_fullStr	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries Almarzoqi, Raja
title_full_unstemmed	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries Almarzoqi, Raja
title_short	How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries
title_sort	how does bank competition affect solvency liquidity and credit risk evidence from the mena countries
url	http://www.elibrary.imf.org/view/IMF001/22862-9781513581910/22862-9781513581910/22862-9781513581910.xml
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