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Country Creditor Rights, Information Sharing, and Commercial Banks’ Profitability

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Abstract

The authors analyze commercial banks’ profitability (return on equity, ROE) at different levels of creditor rights and an aggregate score of information sharing in terms of credit bureaus. After controlling for bank size and some macroeconomic variables, the results indicate that profitability is higher and more persistent when creditors are well protected. Furthermore, the presence of a (public or private) credit bureau increases the persistence of ROE, but higher levels of information sharing foster competition and erode future profitability.

Suggested Citation

  • Borja Amor-Tapia & María T. Tascón & José L. Fanluj, 2010. "Country Creditor Rights, Information Sharing, and Commercial Banks’ Profitability," Czech Journal of Economics and Finance (Finance a uver), Charles University Prague, Faculty of Social Sciences, vol. 60(4), pages 336-354, November.
  • Handle: RePEc:fau:fauart:v:60:y:2010:i:4:p:336-354
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    Keywords

    return on equity (ROE); commercial banks; creditor rights; information sharing; predictive ability of accounting;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • M4 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Accounting
    • D4 - Microeconomics - - Market Structure, Pricing, and Design

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