Banks switch strategies way ahead of new regulation, paper finds

Paper finds banks shift credit portfolios ahead of new rule implementation


A case study of Finnish banks between 1998–2004 has found that they made significant changes to their lending strategies well in advance of the introduction of Basel II, following the first release of information about the new regulations due to come in.

As early as 2000, seven years before the introduction of Basel II, the banks in the case study loosened their credit policies towards households, based on the expectation that Basel II would decrease the capital cost of household loans

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