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  1. Kostnadseffektiviseringen til de norske bankene kan forklares med automatisering og digitalisering
    Author: Andersen, Henrik
    Published: [2020]
    Publisher:  Norges Bank, Oslo

    Operating costs in the Norwegian banking sector have been reduced considerably in recent decades, both as a share of income and assets. This has increased banks' resilience to increased losses and reduced the risk of crises. In this article, I... more

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    Verlag (kostenfrei)
    Resolving-System (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 674
    Inter-library loan:
    No inter-library loan

     

    Operating costs in the Norwegian banking sector have been reduced considerably in recent decades, both as a share of income and assets. This has increased banks' resilience to increased losses and reduced the risk of crises. In this article, I analyse how costs have been reduced and the main drivers of the cost efficiency improvement. The results suggest that automation and the digitalisation of banks' operations have played a key role in improving cost efficiency.

     
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    Source: Union catalogues
    Language: Norwegian
    Media type: Ebook
    Format: Online
    ISBN: 9788283791723
    Other identifier:
    hdl: 11250/2711084
    hdl: 10419/246148
    Series: Staff memo / Norges Bank ; nr. 2020, 9
    Subjects: banks; costs; digitalisation; regulation; business cycle
    Scope: 1 Online-Ressource (circa 42 Seiten), Illustrationen
  2. Effekter av IRB-metoden på bankenes utlån til norske foretak
    Author: Andersen, Henrik; Juelsrud, Ragnar Enger; Kostøl, Andreas R.
    Published: [2020]
    Publisher:  Norges Bank, Oslo

    This paper analyses how the introduction of the IRB approach may have affected banks' lending to enterprises, lending margins and portfolio quality in Norway. Our results show that the IRB banks' lending margins decreased compared with the... more

    Access:
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 674
    Inter-library loan:
    No inter-library loan

     

    This paper analyses how the introduction of the IRB approach may have affected banks' lending to enterprises, lending margins and portfolio quality in Norway. Our results show that the IRB banks' lending margins decreased compared with the standardised approach banks following the introduction of the IRB approach. Growth in lending to the corporate market was also higher for the IRB banks than for the standardised approach banks during the first years after the introduction. However, this may be the result of factors other than the IRB approach. Our analyses do not indicate that the IRB approach has led to finer granularity in the pricing of corporate loans. We find some support for the hypothesis that the IRB approach may have improved the quality of banks' portfolios.

     
    Export to reference management software   RIS file
      BibTeX file
    Source: Union catalogues
    Language: Norwegian
    Media type: Ebook
    Format: Online
    ISBN: 9788283791327
    Other identifier:
    hdl: 11250/2655712
    hdl: 10419/246144
    Series: Staff memo / Norges Bank ; no. 2020, 1
    Subjects: regulation; banks; IRB; enterprises; credit
    Scope: 1 Online-Ressource (circa 26 Seiten), Illustrationen