corresponding imperfect substitutability between private and commercial credit for the entrepreneur's relationship bank is then …

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

This paper identifies how bank branching benefited local economies during the Great Depression. Using archival data and … narrative evidence, I show how Bank of America's branch network in 1930s California created an internal capital market to … competing banking offices. The bank's presence caused smaller city property value contractions and stronger recoveries through …

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

III to bank lending spreads. The higher cost associated with a one percentage point increase in the capital ratio can be … recovered by increasing lending spreads by 15 basis points for a representative bank. This calculation assumes the return on … additional cost of meeting the December 2009 proposal for the Net Stable Funding Ratio (NSFR), a representative bank would need …

counter-cyclical capital schemes is whether conditioning variables are bank-specific or system-wide. The evidence presented in … the paper indicates that the idiosyncratic component can be sizable when a bank-specific approach is used. This makes a …

bank balance sheet data and a rich data set of syndicated loans with borrower and lender characteristics to show that …