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Abnormal loan growth, credit information sharing and systemic risk in Asian banks

Listed author(s):
  • Wahyoe Soedarmono

    (Universitas Siswa Bangsa Internasional, Faculty of Business / Sampoerna School of Business)

  • Djauhari Sitorus

    (The World Bank)

  • Amine Tarazi

    (LAPE - Laboratoire d'Analyse et de Prospective Economique - UNILIM - Université de Limoges - IR SHS UNILIM - Institut Sciences de l'Homme et de la Société)

This paper investigates the interplay of abnormal loan growth, credit reporting system and systemic risk in banking. Based on a sample of publicly traded banks in Asia from 1998 to 2012, higher abnormal loan growth leads to higher systemic risk one year ahead. A closer investigation further suggests that better credit information coverage and private credit bureaus can stem the buildup of bank systemic risk one year ahead due to higher abnormal loan growth. Eventually, this paper offers some supports to strengthen macro-prudential regulation to limit abnormal loan growth. This paper also advocates the importance of strengthening credit information coverage and the role of private credit bureaus in Asian countries to mitigate the negative impact of abnormal loan growth on bank systemic stability.

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Paper provided by HAL in its series Post-Print with number hal-01564050.

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Date of creation: 2017
Publication status: Published in Research in International Business and Finance, Elsevier, 2017
Handle: RePEc:hal:journl:hal-01564050
Note: View the original document on HAL open archive server: https://hal-unilim.archives-ouvertes.fr/hal-01564050
Contact details of provider: Web page: https://hal.archives-ouvertes.fr/

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  1. Soedarmono, Wahyoe & Machrouh, Fouad & Tarazi, Amine, 2013. "Bank competition, crisis and risk taking: Evidence from emerging markets in Asia," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 23(C), pages 196-221.
  2. Giovanni Dell’Ariccia & Deniz Igan & Luc Laeven, 2012. "Credit Booms and Lending Standards: Evidence from the Subprime Mortgage Market," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 44, pages 367-384, 03.
  3. Naceur, Sami Ben & Omran, Mohammed, 2011. "The effects of bank regulations, competition, and financial reforms on banks' performance," Emerging Markets Review, Elsevier, vol. 12(1), pages 1-20, March.
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