What drives bank securitisation? The Spanish experience.

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Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks (2015, background): “Das and Sy (2012) found that banks with high RWA are severely affected during the worse stage of the crisis.”
What Determines the Profitability of Banks? Evidence from Spain (2013, unknown): “Second in importance is asset securitization, which in Spain, unlike in other countries, has been used as a means of obtaining funds and not for transferring risk (see Cardone-Riportella et al., 2010).”