We expect banks with a smaller dela

We expect banks with a smaller delay in expected loss recognition to have recognized more loan provisions relative to nonperforming loans. We confirm this expectation by examining the association between this measure and the changes in nonperforming loans of current and future quarters. Following this reasoning, banks whose lagged ratio is higher (lower) than the median during the quarter are deemed as banks with a shorter (greater) delay in expected loss recognition.

結果 (繁體中文) 1:

我們期待與預期損失確認較小的延遲銀行已經認識到了相對於不良貸款更多貸款的規定。我們證實這種期望通過檢查這一措施和不良當前和未來幾個季度的貸款變化之間的關聯。根據這一推論，銀行，其滯後的比例較高（低）於季內平均被視為與預期損失確認較短（更大）延遲銀行。

結果 (繁體中文) 2:

我們預計，預期損失確認的延遲較小，銀行將確認相對於不良貸款的更多貸款準備金。我們通過研究這一指標與當前和未來季度不良貸款變化之間的關係來確認這一預期。根據這一推理，在季度中處於滯後率高於中值的銀行被視為預期損失確認延遲較短（更大）的銀行。

結果 (繁體中文) 3:

我們預計，與不良貸款相比，預期損失確認延遲較小的銀行已經確認了更多的貸款準備金。我們通過檢驗這一名額與當前和未來季度不良貸款變化之間的關聯來確認這一預期。根據這一推論，在本季度，滯後比率高於（低於）中位數的銀行被視為預期損失確認延遲較短（較大）的銀行。