reduce loan granting, especially to firms or from banks with lower capital or liquidity ratios. Moreover, responding to … resultant credit restriction by turning to other banks. Importantly the bank-lending channel is notably stronger when we account …

and more or less risk sensitivity in capital requirements. Following the approach in Barth et al. (2004, 2006, 2008) we … their effect on banks' risk, capital, efficiency and cost. We show that more stringency and more risk sensitivity in … regulation not always result in a trade off between efficiency and solvency: the impact depends on the area of national …

significant effect of regulation on the different stages of the foreclosure process. More precisely, we analyse the effect of … regulation on 60- day delinquencies and foreclosure starts, with a focus on three protective elements commonly found in state …

banks. The financing rule is also explained by the structure of the financial systems. Public funding is more likely in bank … oriented structures. Finally, the geographical factor is also significant: European bank supervisors are more oriented towards …

While banks may change their credit supply due to bank balance-sheet shocks (the local lending channel), firms can … dynamics nullify the strong local (bank-level) lending channel of securitization on credit quantity for firms with multiple … expansion on the extensive margin towards first-time bank clients, which are more likely to default. Finally, the 2008 …

This paper analyses the risk and return of loans portfolios in a joint setting. I develop a model to obtain the … with a Value at Risk constraint. I also obtain closed form expressions for the interest rates that banks should set in … compensation for borrowers' credit risk under absence of arbitrage opportunities and I use these rates as a benchmark to interpret …

deposits and for more X-efficient banks. In addition, a less concentrated banking system increases bank profitability, which … the influence of government intervention in explaining bank performance in China. These findings should not come as a …

This paper studies the impact of European bank mergers and acquisitions on changes in key safety and soundness measures … of both acquirers and targets. We find that capitalization, profi tability and liquidity show signs of statistically and … insurance funding regimes tend to result in positive post-merger changes in liquidity and performance …