tailieunhanh - Determinants of interest rate exposure of Spanish banking industry

The fourth row of Table 3 indicates that for over half of nongovernmental organizations at least 85 percent of borrowers are female. At least a quarter of nongovernmental organizations serve women exclusively. Banks serve many women, but in lower numbers; for slightly less than half of institutions, men make up the majority of borrowers. Column 4 breaks out the median only for profitable nongovernmental microfinance organizations, and their data on women as a share of all borrowers are much closer to that of other nongovernmental organizations than that of banks. The lack of sharper data on. | serie WP-EC 2009-07 Determinants of interest rate exposure of Spanish banking industry Laura Ballester Román Ferrer Cristóbal Gonzalez and Gloria M. Soto Ivie ig papers Los documentos de trabajo del Ivie ofrecen un avance de los resultados de las investigaciones económicas en curso con objeto de generar un proceso de discusión previo a su remisión a las revistas científicas. Al publicar este documento de trabajo el Ivie no asume responsabilidad sobre su contenido. Ivie working papers offer in advance the results of economic research under way in order to encourage a discussion process before sending them to scientific journals for their final publication. Ivie s decision to publish this working paper does not imply any responsibility for its content. La Serie EC coordinada por Matilde Mas está orientada a la aplicación de distintos instrumentos de análisis al estudio de problemas económicos concretos. Coordinated by Matilde Mas the EC Series mainly includes applications of different analytical tools to the study of specific economic problems. Todos los documentos de trabajo están disponibles de forma gratuita en la web del Ivie http así como las instrucciones para los autores que desean publicar en nuestras series. Working papers can be downloaded free of charge from the Ivie website http as well as the instructions for authors who are interested in publishing in our series. Edita Published by Instituto Valenciano de Investigaciones Económicas . Depósito Legal Legal Deposit no. V-2119-2009 Impreso en Espana mayo 2009 Printed in Spain May 2009 WP-EC 2009-07 Determinants of interest rate exposure of Spanish banking industry Laura Ballester Román Ferrer Cristóbal Gonzalez and Gloria M. Soto Abstract Interest rate risk represents one of the key forms of financial risk faced by banks. It has given rise to an extensive body of research mainly focused on the estimation of sensitivity of bank stock returns to changes in interest rates. However .

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