The majority of bank liabilities are deposits typically not withdrawn for extended periods. We propose a dynamic model … effects on bank dynamics. Interest rate cuts produce delayed increases in bank risk which are stronger in low rate regimes …. Deposit insurance can exacerbate the deposit dilution and amplify the increase in bank risk …

macroeconomic and bank regulatory reform. Bank regulatory policy promoted privatization, financial liberalization, and free entry …. Argentina's bank regulatory system now is widely regarded as one of the two or three most successful among emerging market …

locations of large-bank branches have demographics typically associated with greater financial sophistication, large-bank …

We study a bank run in India in which private bank branches experience sudden and considerable loss of deposits that … on bank-firm relationships and branch balance sheets. The flight to safety is not a flight to quality. Lending shrinks …

that the U.S. Postal Savings System played in commercial bank closures during the Great Depression. The system offered …

Motivated by the regional bank crisis of 2023, we model the impact of interest rates on the liquidity risk of banks … valuable if depositors remain in the bank. This creates run incentives for uninsured depositors. We show that a run equilibrium … the bank. The liquidity risk of the bank thus increases with interest rates. We provide a formula for the bank's optimal …

bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by fintechs …

Bank branch density, defined as the number of bank branches to total deposits, has significantly declined over the past …

Bank liquid asset holdings vary significantly across banks and through time. The determinants of liquid asset holdings …