Abstract

http://ssrn.com/abstract=1469908
 
 

Citations (2)



 


 



Gender and Banking: Are Women Better Loan Officers?


Thorsten Beck


City University London - Sir John Cass Business School; Tilburg University - European Banking Center, CentER

Patrick Behr


Brazilian School of Public and Business Administration

Andre Guettler


University of Ulm - Department of Mathematics and Economics

August 2009

CEPR Discussion Paper No. DP7409

Abstract:     
We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than loans handled by male loan officers. This effect comes in addition to a lower default rate of female borrowers and cannot be explained by sample selection, overconfidence of male loan officers or experience differences between female and male loan officers. Our results seem to be driven by differences in monitoring, as loan officers of different gender do not seem to screen borrowers differently based on observable borrower characteristics. This suggests that gender indeed matters in banking.

Number of Pages in PDF File: 49

Keywords: Behavioral banking, gender, loan default, loan officers, monitoring, screening

JEL Classification: G21, J16

working papers series


Date posted: September 8, 2009  

Suggested Citation

Beck, Thorsten and Behr, Patrick and Guettler, Andre, Gender and Banking: Are Women Better Loan Officers? (August 2009). CEPR Discussion Paper No. DP7409. Available at SSRN: http://ssrn.com/abstract=1469908

Contact Information

Thorsten Beck (Contact Author)
City University London - Sir John Cass Business School ( email )
106 Bunhill Row
London, EC1Y 8TZ
United Kingdom
Tilburg University - European Banking Center, CentER ( email )
PO Box 90153
Tilburg, 5000 LE
Netherlands
Patrick Behr
Brazilian School of Public and Business Administration ( email )
Praia de Botafogo 190
Rio de Janeiro, 22250-900
Brazil
Andre Guettler
University of Ulm - Department of Mathematics and Economics ( email )
Helmholzstrasse
Ulm, D-89081
Germany
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