LEADER 04276nam 22005415 450 001 9911031663403321 005 20260205170815.0 010 $a9783032022080$b(eBook) 010 $a3-032-02208-8 024 7 $a10.1007/978-3-032-02208-0 035 $a(CKB)41520823400041 035 $a(MiAaPQ)EBC32323760 035 $a(Au-PeEL)EBL32323760 035 $a(OCoLC)1543213499 035 $a(DE-He213)978-3-032-02208-0 035 $a(EXLCZ)9941520823400041 100 $a20251001d2025 uy 0 101 0 $aeng 135 $aur||||||||||| 181 $ctxt$2rdacontent 182 $cc$2rdamedia 183 $acr$2rdacarrier 200 14$aThe effect of changes in regulatory capital requirements on bank lending $ea case study of Canadian banks /$fBerenger Piper 210 1$aCham, Switzerland :$cPalgrave Macmillan,$d[2025] 215 $a1 online resource (160 pages) 225 0 $aEconomics and Finance Series 311 08$a3-032-02207-X 327 $aChapter 1: Introduction -- Chapter 2: Impact of Bank Regulatory Capital Requirements On Canadian Banks? Gross Lending Volume -- Chapter 3: Impact of Bank Regulatory Capital Requirements On Canadian Banks? Gross Loan Interest Rates -- Chapter 4: Impact of Bank Regulatory Capital Requirements On Canadian Banks? Gross Loan Portfolio -- Chapter 5: Conclusion. Appendix I: Detailed Summary of Managerial Recommendations. 330 $aThis book offers a comprehensive analysis of how changes in microprudential and macroprudential regulations?specifically, regulatory capital requirements?affect the lending behaviour of Canadian banks. Drawing on empirical data, the study explores three key dimensions. Loan Volume: It explores how increases in capital requirements lead to a measurable decline in the volume of gross loans extended to the non-financial sector, even after accounting for macroeconomic conditions. Interest Rates: It examines why, during periods of economic stability, higher capital requirements do not necessarily translate into higher loan interest rates?aligning with findings in the existing literature. Loan Portfolio Composition: It uncovers how different segments of the loan portfolio?Corporate & Commercial Loans, Residential Mortgages, and Consumer/Retail Loans?respond uniquely to regulatory changes, with corporate lending being the most sensitive. The book also examines how economic policy uncertainty and bank profitability influence lending decisions, offering nuanced insights into the interplay between regulation and financial behaviour. A vital resource for policymakers, regulators, and financial scholars, this work contributes to the limited literature on capital regulation in Canada. It provides practical guidance on how to strengthen financial resilience without stifling the credit needed for economic recovery and growth. Berenger Piper is a financial economist with more than 14 years of experience in financial risk management. He is currently an Associate Director in the Capital Market Risks and Controls division of one of the Top 3 Canadian Investment Banks in Toronto, Canada. He holds a Doctorate of Business Administration in Financial Economics (DBA in Financial Economics) from Jean Moulin University Lyon 3, IAE Lyon School of Management, France and The Business Science Institute, Luxembourg. In addition to his professional achievements in the banking sector, Berenger is a researcher in financial economics with research interests in macroprudential and microprudential regulations, financial markets, financial stability, asset pricing, and risk management. . 606 $aBank loans$zCanada 606 $aFinancial services industry 606 $aFinance$xLaw and legislation 606 $aFinancial Services 606 $aFinancial Law 615 0$aBank loans 615 0$aFinancial services industry. 615 0$aFinance$xLaw and legislation. 615 14$aFinancial Services. 615 24$aFinancial Law. 676 $a332.709 700 $aPiper$b Berenger$01850941 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9911031663403321 996 $aThe Effect of Changes in Regulatory Capital Requirements on Bank Lending$94444164 997 $aUNINA