A model of loan rate competition with liquidity provision by banks is used to study bank mergers. Both loan rate … competition and liquidity needs are seen to be "localised" phenomena. This allows for tracing down the effects of particular types … of bank mergers. As such, we contrast the effects of "revenue base enhancing" mergers with the effects of mergers "for …

We analyze how time-varying bank-specific capital requirements a ect banks' balance sheet adjustments as well as bank … lending to the non-financial corporate sector. To do so, we relate Pillar 2 capital requirements to bank balance sheet data, a … examine how time-varying bank-specific capital requirements affect banks' balance sheet composition. Subsequently, we …

Assessing the impacts of bank mergers on small firms requires separating borrowers with single versus multiple banking …-relationship borrowers who "switch" to another bank following a merger will be less harmed than those whose relationship is "dropped" and not … to be dropped. We track post-merger performance and show that many dropped target-bank borrowers are harmed by the merger …

inclusion (together with some control variables) on some measures of financial stability, including bank non-performing loans … and bank Z-scores. We find some evidence that an increased share of lending to small and medium-sized enterprises (SMEs …

. Asian economies are often characterized as having bank-dominated financial systems and underdeveloped capital markets, in …

case of bank default, and provides it with sufficient funds as precautionary reserves. To identify and classify healthier …

Credit creation in the housing market has been a key source of systemic financial risk, and therefore is at the center …