#2227. Loan growth, ownership, and regulation in the European Banking Sector: Old versus new banking landscape

August 2026publication date
Proposal available till 30-05-2025
4 total number of authors per manuscript3510 $

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Journal’s subject area:
Finance;
Economics and Econometrics;
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Abstract:
The purpose of this paper is to examine the dynamic interactions of loan growth, ownership structure and regulatory framework for the European banking sector before and after the 20XX–20XX financial crisis. We use a panel dataset of 1170 banks from the EU-15 countries and newly accessed economies (Central and Eastern European countries, Cyprus, and Malta) for the period 20XX to 20XX. We show that foreign banks in CEE countries increased their loan growth in the pre-crisis period. However, they rationed their credit supply during and after the crisis, whereas government-owned banks increased their lending activity.
Keywords:
CAMEL variables; Loan growth; Ownership structure; Regulatory framework

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