Gender and Banking

Are Women Better Loan Officers?

T.H.L. Beck, P. Behr, A. Guttler

Research output: Working paperDiscussion paperOther research output

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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.
Original languageEnglish
Place of PublicationTilburg
PublisherFinance
Number of pages47
Volume2009-63
Publication statusPublished - 2009

Publication series

NameCentER Discussion Paper
Volume2009-63

Fingerprint

Loans
Banking
Default rate
Gender differences
Monitoring
Overconfidence
Albania
Sample selection
Commercial banks

Keywords

  • Behavioral banking
  • loan officers
  • gender
  • loan default
  • monitoring
  • screening

Cite this

Beck, T. H. L., Behr, P., & Guttler, A. (2009). Gender and Banking: Are Women Better Loan Officers? (CentER Discussion Paper; Vol. 2009-63). Tilburg: Finance.
Beck, T.H.L. ; Behr, P. ; Guttler, A. / Gender and Banking : Are Women Better Loan Officers?. Tilburg : Finance, 2009. (CentER Discussion Paper).
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Beck, THL, Behr, P & Guttler, A 2009 'Gender and Banking: Are Women Better Loan Officers?' CentER Discussion Paper, vol. 2009-63, Finance, Tilburg.

Gender and Banking : Are Women Better Loan Officers? / Beck, T.H.L.; Behr, P.; Guttler, A.

Tilburg : Finance, 2009. (CentER Discussion Paper; Vol. 2009-63).

Research output: Working paperDiscussion paperOther research output

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Beck THL, Behr P, Guttler A. Gender and Banking: Are Women Better Loan Officers? Tilburg: Finance. 2009. (CentER Discussion Paper).