end of 2005, when market rates were at their lowest; late payments have been more frequent for borrowers that are younger …

The paper offers theoretical and empirical insights into the links between banks and firms in industrial districts and … industrial districts� social context. District banks should thus be distinguished by such features as greater concentration of … districts with banking supervisory data as of the end of 1991. Cooperative banks are found to concentrate their lending and to …

subsidiaries for a representative sample of nearly 2,500 OECD banks. The results show that the banks with cross … local banks' inefficiency. These factors are overall more important in banks� decisions than those related to the degree …

introduce relevant organizational changes. In general firms do not perceive any relevant change in banks' behaviour, but there … is some dispersion in the answers on banks' reactions in credit availability and conditions. A trend towards reduction in …

banks in the sample, according to their systemic importance scores. The methodology is then applied to EU and Eurozone … samples of banks to obtain their systemic importance ranking and SIFI lists. This is one of the first methodologies capable of … identifying systemically relevant banks at the European level. A statistical analysis and some geographical and historical …

strategy banks adopt in response to the reform, and that banks tend to prefer some strategies over others. Specifically, an … less likely to be preferred by banks. We also find that the undesired macroeconomic effects of the reform during the …