Blar i Staff Memo på forfatter "Vale, Bent"

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    • Betalingskort og tosidige markeder - noen implikasjoner for policy 

      Vale, Bent (Staff Memo;6/2010, Working paper, 2010)
      I dette notatet gis først en kort innføring i noen grunnleggende trekk ved et tosidig marked som kortmarkedet. Deretter gjennomgås noe av den teoretiske litteraturen om betalingskort. Vi ser spesielt på om gebyrstrukturen ...

    • Competitiveness and Regulation of Norwegian Banks 

      Ulltveit-Moe, Karen Helene; Vale, Bent; Grindaker, Morten Haabeth; Skancke, Erling (Staff Memo;18/2013, Working paper, 2013)
      This report looks at the competitiveness of the Norwegian banking sector, in particular with respect to banking regulation and taxation. How do Norwegian banks perform relative to other European banks and relative to other ...

    • Effects of Higher Equity Ratio on a Bank’s Total Funding Costs and Lending 

      Vale, Bent (Staff Memo;10/2011, Working paper, 2011)
      Simply stating that because equity is much more expensive than debt funding, banks total funding costs will increase accordingly if their equity ratio is increased, biases the estimated increase upwards. As recently put ...

    • Forecasting Demand for Various Denominations of Notes and Coins Using Error Correction Models 

      Vale, Bent (Staff Memo;1/2015, Working paper, 2015)
      In this paper we present a set of error correction models in order to forecast separately the change in demand for each of the notes and coins issued by Norges Bank. Such forecasts can play a role in planning how many new ...

    • Hvordan virker ulike kapitalkrav på bankene i dårlige tider? 

      Andersen, Henrik; Haugen, Charlotte Høeg; Johnsen, Jama; Turtveit, Lars-Tore; Vale, Bent (Staff Memo;8/2021, Working paper, 2021)
      Bruk av kapitalbuffere kan dempe faren for at bankene forsterker tilbakeslag. Men andre krav kan hindre bankene fra å bruke bufferne motsyklisk, særlig om konsekvensene av å bryte andre krav er mer alvorlige enn konsekvensene ...

    • Kriseløsing av banker ved hjelp av bail-in – momenter ved innføring i Norge 

      Vale, Bent (Staff Memo;12/2014, Working paper, 2014)
      Her gjennomgås hvordan bail-in eller nedskrivning av en banks gjeldsfordringer og tvungen konvertering av gjeld til egenkapital kan brukes under krisehåndtering av banken. Fremstillingen tar utgangspunkt i EUs direktiv for ...

    • Lending Growth, Non-Performing Loans and Loan Losses 

      Kvisgaard, Vera; Vale, Bent (Staff Memo;8/2018, Working paper, 2018)
      At macro level, large loan losses for banks have often been preceded by periods of high lending growth. We analyse at bank level whether high loan growth also leads to more problem loans later on. The analysis is carried ...

    • Why Regulate Banks? 

      Borchgrevink, Henrik; Søvik, Ylva; Vale, Bent (Staff Memo;16/2013, Working paper, 2013)
      In this note we seek to provide a first guide to how the economic literature explains the rationale for regulating banks. The guide is not exhaustive with respect to academic papers covered. Neither do we elaborate on how ...