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Theses

Essais sur le risque bancaire, le capital et les prêts

Abstract : This thesis examines three important issues in the banking sector, namely: Risk, Capital and Lending. It comprises of three empirical essays. The first chapter analyzes the impact of the 'Arab Spring' and the Global Financial Crisis of 2007-2008 on the banking sector stability in the MENA region. The results show that the ‘Arab Spring’ did not have a negative effect on banks’ stability, while the Global Financial Crisis significantly decreased banks’ stability. The second chapter investigates the role played by the institutional environment in determining capital buffers set either by regulators or by banks internally. The findings provide evidence that for the regulatory capital ratios to be effective, the institutional environment should not be neglected when implementing these ratios. The third chapter investigates the different effects of both consumers’ and creditors’ rights on the cost of lending. The results reveal that the cost of lending increases in the presence of strong financial consumer protection laws, while higher creditors’ rights decrease this cost.
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Tammuz Al Raheb. Essais sur le risque bancaire, le capital et les prêts. Economies et finances. Université de Limoges, 2017. Français. ⟨NNT : 2017LIMO0045⟩. ⟨tel-01724573⟩

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