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Consequences of competition and proximity on the stability in banking : are there cyclical tendencies in risk taking, through distant lending, in the corporate loan market in Norway?

Haagensen, Oda Haugen; Sørlie, Ragnhild Vetrhus
Master thesis
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masterthesis.pdf (1.196Mb)
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https://hdl.handle.net/11250/2646924
Utgivelsesdato
2019
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  • Master Thesis [3258]
Sammendrag
In this thesis, we attempt to provide evidence on how competition in the corporate loan market

in Norway affects banks´ risk taking, and hence the financial stability, through distant lending

over the business cycle. We use comprehensive data from the Norwegian banking market,

containing annual information on 169 banks and approximately 136 000 firms over the period

1997 to 2013. Our analysis provides ambiguous results on whether there is cyclical variation in

lending distances, and collectively we cannot conclude that there is a clear relationship between

business cycles and loan distances. Furthermore, we cannot conclude that increased lending

distance is associated with increased risk. Since we do not find such a relationship, we do not

consider it beneficial to run our last model investigating the effect of competition on banks´

risk taking, through distant lending. Regardless of whether increased competition leads to

increased lending distances, it is not possible to measure whether competition affect banks’ risk

taking, as we cannot use distance as an adequate proxy for the risk associated with a loan.

Hence, we cannot conclude that competition in the Norwegian banking sector has a negative

impact on financial stability through distant lending.

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