competitive markets. As it is easier to develop an existing customer than to acquire a new one, cross-selling and retention are … to cross-selling. Given the different dynamics observed in both products, we separately study the car and household … contracting influence the duration to cross-selling. In particular, our results underline the importance of the tied agent channel …

existing depositors a premium on loans compared to other households, suggesting that cross-selling is driven by demand rather … than supply complementarities. Finally, discounting future cross-selling profits motivates lower deposit spreads in times …