In this paper we re-examine commercial banks’ lending behavior taking into account changes in the stance of monetary policy in conjunction with changes in financial sector uncertainty. Using a very large data set covering all banks in the US between 1986–2000, we show that financial uncertainty has an important and significant role in the monetary policy transmission mechanism that varies acros...

The core objective of this project is to analyze the impact of interest rates changes on the profitability of commercial banks being operated in Pakistan by examining the financial statements of four major banks during 2008 to 2012. Like the efficiency of banking sector is considered most important for economic growth, monetary policy implementation and macro-economic stability. From the past f...

Since China joined the WTO in 2001, the pressure for bank reforms has mounted as China ought to fully open up its financial market to foreign competition by 2006. Efficiency is key for domestic banks to survive in a liberalised environment, but it appears that the last hope for raising bank efficiency is through ownership reform. Whether ownership reform and foreign competition can solve China’...

S AVINGS INSTITUTIONS, credit unions, and commercial banks all offer a generally similar se­ lection of financial services, though each differs in the ability to make certain kinds of loans.1 As a result, many personal sector customers of these institutions would likely be unable to identify any distinguishing characteristics. Indeed, savings institutions and com­ mercial banks sometimes change...

Corporate governance (CG) is an important effort to ensure accountability and responsibility and is a set of principles, which should be incorporated into every part of the organization. This study focused on the state of Corporate Governance (CG) in two categories of the banking industries: Conventional Banks and Islamic Banks. As Conventional Banks and Islamic Banks differ a great deal in the...

This paper investigates how variations in macroeconomic uncertainty distort commercial banks’ allocation of loanable funds by analyzing the dispersion of banks’ total loan-to-asset ratios over a quartercentury period. JEL: C22, C23, D81, E51.

En the past 15 years, the banking industry has faced growing competition from other lii financial service firms and financial markers and, at the same time, has undergone subsnannial deregulation and change. Proponents of further deregulation, such as the removal of barriers no nhe commingling of commercial and investment banking, argue that such changes would enhance the eff’mciency and viabil...

The purpose of this study is to analyze the differences of work stress sources on employees working in the Jordanian commercial banks according to some personal and job-related characteristics. Data were collected through a questionnaire from a sample of employees working in the largest seven commercial banks in Jordan. The questionnaire, which was developed and distributed during the spring of...

In essence, the Irish banks have become deeply involved in two distinct areas of commercial property lending. On one hand, they have provided capital for property developers to acquire sites, get planning, engage contractors and market their finished buildings. However, the banks have also supplied commercial real estate investors with credit to buy finished and fully let properties (mostly off...