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dc.contributor.authorHeimdal, Kristin Ward
dc.contributor.authorSolberg, Kristoffer Johnsen
dc.date.accessioned2016-03-01T11:59:35Z
dc.date.available2016-03-01T11:59:35Z
dc.date.issued2015-09
dc.identifier.issn1503-2140
dc.identifier.urihttp://hdl.handle.net/11250/2381064
dc.description.abstractThe relationship between bank competition and financial stability has been thoroughly debated over the last decades. The importance of a stable banking system for financial stability makes this a topic of interest for both economists and regulators. Using accounting data for Norwegian banks over the last 20 years, we assess the relationship between the rate of non-performing loans and different measures of competition. We find a non-linear relationship between market concentration and loan risk. For low levels of concentration, increased concentration reduces non-performing loan rates. Past a certain level of concentration, this relationship is reversed. Our findings indicate that the Norwegian banking market today is close to this optimal level, suggesting that a continued increasing trend in concentration will contribute to higher non-performing loan rates.nb_NO
dc.language.isoengnb_NO
dc.publisherSNFnb_NO
dc.relation.ispartofseriesWorking paper;2015:11
dc.titleThe effect of competition on non-performing loan rates - evidence from the Norwegian banking marketnb_NO
dc.typeWorking papernb_NO


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