Loan Specialization and Income: An Application of Mixture Analysis

Borgman, Richard; Ford, John
June 2001
American Business Review;Jun2001, Vol. 19 Issue 2, p45
Academic Journal
Applies mixture methodology to the analysis of the loan portfolio of mid-sized banks to gain an insight into the relationship between bank portfolios, profit and size. Ordinary least squares regression results for first and second degree mixture models; Decrease in the profitability of business lending as banks grow in size; Evidence of an advantage to specialization among smaller banks.


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