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The impact of market structure of the banking sector on the growth of bank loans in the EU after the global financial crisis

Author

Listed:
  • Georgios Kouretas

    (Department of Business Administration, Athens University)

  • Małgorzata Pawłowska

    (Warsaw School of Economics, Narodowy Bank Polski)

Abstract

The aim of this research is to investigate the issue of asymmetry of the credit market determinants of bank loans (corporate, consumer, and residential mortgage loans) between the CEE-11 countries (Bulgaria, Croatia, the Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Slovakia, Slovenia, Rumania) and the other countries (Austria, Belgium, Denmark, Finland, France, Greece, Italy, Spain, the Netherlands, Ireland, Luxembourg, Germany, Portugal, Sweden, United Kingdom, Malta, and Cyprus) after the global financial crisis (GFC) of 2007–09. For the analysis, we used annual bank-level data, which are collected from the Bankscope-Orbis database and interest rates for different loans from the European Central Bank and macroeconomic data on GDP growth. Panel data includes commercial banks, savings banks, and cooperative banks that were operating in the EU countries from the period 2010–2016. Using the methodology of panel regression, this study finds differences of the determinants of the growth of loans for two groups of countries after the global financial crisis. Panel data analysis of CEE-11 countries against other EU countries also finds differences between determinants of different types of bank loans.

Suggested Citation

  • Georgios Kouretas & Małgorzata Pawłowska, 2018. "The impact of market structure of the banking sector on the growth of bank loans in the EU after the global financial crisis," NBP Working Papers 277, Narodowy Bank Polski.
    • Handle: RePEc:nbp:nbpmis:277
    Note: The authors would like to thank the participants of the seminar of the Visiting Researcher Program (VRP) of NBP 2017 for helpful comments.
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    Citations

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    Cited by:

    1. Malgorzata Mikita, 2018. "The Influence of the CRD/CRR Package and the Banking Union on the Banking Market in Poland (Wplyw pakietu CRD/CRR i unii bankowej na rynek bankowy w Polsce)," Research Reports, University of Warsaw, Faculty of Management, vol. 2(29), pages 64-72.
    2. Małgorzata Pawłowska, 2018. "The determinants of growth in bank loans in the EU-15 and the CEE-11 after the global financial crisis," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 53, pages 163-175.

    More about this item

    Keywords

    banks; credit growth; concentration; foreign ownership; EU; CEE-11;
    All these keywords.

    JEL classification:

    • F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration
    • G2 - Financial Economics - - Financial Institutions and Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance
    • L1 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance

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