Dynamic Provisioning

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dc.contributor.author
Saurina, Jesus
en_US
dc.date.accessioned
2012-08-13T10:49:41Z
en_US
dc.date.available
2012-08-13T10:49:41Z
en_US
dc.date.issued
2009-07
en_US
dc.identifier.uri
http://hdl.handle.net/10986/10241
en_US
dc.description.abstract
Dynamic loan loss provisions can help deal with procyclicality in banking. By allowing earlier detection and coverage of credit losses in loan portfolios, they enable banks to build up a buffer in good times that can be used in bad times. Their anticyclical nature enhances the resilience of both individual banks and the banking system as a whole. While there is no guarantee that they will be enough to cope with all the credit losses of a downturn, dynamic provisions have proved useful in Spain during the current financial crisis. They could be an important prudential tool for emerging economies, where banks dominate financial intermediation.
en_US
dc.language
English
en_US
dc.publisher
World Bank, Washington, DC
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dc.relation.ispartofseries
Crisis Response Note; No. 7
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dc.rights
CC BY 3.0 Unported
en_US
dc.rights.uri
http://creativecommons.org/licenses/by/3.0/
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dc.subject
ACCOUNTING
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dc.subject
ACCOUNTING FRAMEWORK
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dc.subject
ACCOUNTING STANDARD
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dc.subject
ACCOUNTING STANDARDS
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dc.subject
ACCURATE INFORMATION
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dc.subject
AGENCY PROBLEMS
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dc.subject
ASSETS
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dc.subject
BALANCE SHEET
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dc.subject
BALANCE SHEETS
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dc.subject
BANK FOR INTERNATIONAL SETTLEMENTS
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dc.subject
BANK MANAGEMENT
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dc.subject
BANKING CRISIS
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dc.subject
BANKING SYSTEM
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dc.subject
BANKS
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dc.subject
BANQUE DE FRANCE
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dc.subject
BUSINESS CYCLE
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dc.subject
CENTRAL BANK
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dc.subject
CENTRAL BANKING
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dc.subject
CONSUMER
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dc.subject
CONSUMER DURABLES
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dc.subject
CREDIT BUREAUS
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dc.subject
CREDIT CARD
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dc.subject
CREDIT CARDS
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dc.subject
CREDIT CRUNCH
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dc.subject
CREDIT EXPANSION
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dc.subject
CREDIT GROWTH
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dc.subject
CREDIT LOSS
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CREDIT LOSSES
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dc.subject
CREDIT POLICIES
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dc.subject
CREDIT RISK
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dc.subject
DEDUCTIBLE
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dc.subject
DEPOSIT
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dc.subject
DEPOSIT INSTITUTIONS
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dc.subject
EARNINGS
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dc.subject
EMERGING ECONOMIES
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dc.subject
FAIR VALUE
en_US
dc.subject
FINANCIAL CRISIS
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dc.subject
FINANCIAL INTERMEDIATION
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dc.subject
FINANCIAL POSITION
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dc.subject
FINANCIAL POSITIONS
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dc.subject
FINANCIAL REFORMS
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dc.subject
FINANCIAL REPORTING
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dc.subject
FINANCIAL SERVICES
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dc.subject
FINANCIAL SERVICES AUTHORITY
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dc.subject
FINANCIAL STABILITY
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dc.subject
FINANCIAL STATEMENTS
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dc.subject
FINANCIAL SYSTEM
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dc.subject
FISCAL POLICIES
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dc.subject
GLOBAL BANKING
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dc.subject
INCREASE IN INCOME
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dc.subject
INDIVIDUAL BANKS
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dc.subject
INDIVIDUAL LOAN
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dc.subject
INDIVIDUAL LOANS
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dc.subject
INFORMATION ABOUT CREDIT
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dc.subject
INFORMATION ON CREDIT
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dc.subject
INSTRUMENT
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dc.subject
INVESTMENT BANKS
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dc.subject
INVESTMENT PROJECTS
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dc.subject
JURISDICTIONS
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dc.subject
LENDERS
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dc.subject
LENDING CYCLE
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dc.subject
LOAN
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dc.subject
LOAN LOSS
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dc.subject
LOAN LOSS PROVISIONING
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dc.subject
LOAN LOSS PROVISIONS
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dc.subject
LOAN LOSSES
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dc.subject
LOAN PORTFOLIO
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dc.subject
LOAN PORTFOLIOS
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dc.subject
MACROECONOMIC VOLATILITY
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dc.subject
MONETARY POLICY
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dc.subject
MORAL SUASION
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dc.subject
MORTGAGES
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dc.subject
NET OPERATING INCOME
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dc.subject
NONPERFORMING LOANS
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dc.subject
OVERDRAFTS
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dc.subject
POLICY RESPONSES
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dc.subject
PRIVATE CREDIT
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dc.subject
PRIVATE CREDIT BUREAUS
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dc.subject
PROBABILITIES
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dc.subject
PROBABILITY
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dc.subject
PROBABILITY OF DEFAULT
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dc.subject
PROBLEM LOANS
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dc.subject
PRUDENTIAL REGULATION
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dc.subject
PUBLIC POLICY
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dc.subject
REALITY CHECK
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dc.subject
RECESSION
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dc.subject
RECESSIONS
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dc.subject
RESERVE
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dc.subject
RESERVES
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dc.subject
RISK PREMIUMS
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dc.subject
RISK TAKING
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dc.subject
SECURITIES
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dc.subject
SOLVENCY
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dc.subject
SOURCE OF INFORMATION
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dc.subject
SPECIALIZED BANKS
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dc.subject
TAX
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dc.subject
TAX TREATMENT
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dc.subject
TIER 2 CAPITAL
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dc.subject
TRADING
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dc.subject
TYPE OF LOAN
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dc.subject
TYPES OF LOAN
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dc.subject
UNION
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dc.subject
VALUATION
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dc.title
Dynamic Provisioning
en_US
okr.identifier.externaldocumentum
000333037_20090915000310
en_US
okr.identifier.internaldocumentum
11077297
en_US
okr.volume
1 of 1
en_US
okr.topic
Banks and Banking Reform
en_US
okr.topic
Finance and Financial Sector Development :: Debt Markets
en_US
okr.topic
Finance and Financial Sector Development :: Access to Finance
en_US
okr.topic
Finance and Financial Sector Development :: Bankruptcy and Resolution of Financial Distress
en_US
okr.identifier.report
50349
en_US
okr.unit
Off Dir
en_US
okr.unit
Finan Sys Prac - WB (FFSDR)
en_US
okr.doctype
Publications & Research :: Brief
en_US
okr.doctype
Publications & Research
en_US
dc.rights.holder
World Bank
en_US
okr.globalpractice
Finance and Markets
okr.googlescholar.linkpresent
yes

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