Browsing Staff Memo by Subject "regulation"
Now showing items 1-2 of 2
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The cost efficiency improvement of Norwegian banks can be explained by automation and digitalisation
(Staff Memo;9/2020, Working paper, 2020)Operating costs in the Norwegian banking sector have been reduced considerably in recent decades, both as a share of income and assets. This has increased banks’ resilience to increased losses and reduced the risk of crises. ... -
Effects of the IRB approach on bank lending to Norwegian enterprises
(Staff Memo;1/2020, Working paper, 2020)This paper analyses how the introduction of the IRB approach may have affected banks' lending to enterprises, lending margins and portfolio quality in Norway. Our results show that the IRB banks' lending margins decreased ...