buffers, a key component of the Basel III reforms, helped to support lending provision by UK banks through Covid‑19. To … guaranteed lending schemes. We find that more constrained banks defended their capital surpluses to a greater extent during the …, banks receiving greater capital relief from the cut to the UK countercyclical capital buffer during the pandemic maintained …

(ECL) on the cyclicality of loan write-off losses, loan loss provisions (LLPs) and capital ratios of banks, relative to the … probabilities of defaults (PDs) between booms and busts cause sharp increases in LLPs in deep downturns, as seen for US banks during …

examine how NIRP in the economies where banks have their headquarters influences cross-border lending from financial … banks that have only a weak deposit base in IFCs – and are thus relatively more exposed to NIRP in their headquarters. Using … from banks’ headquarters’ economies, but NIRP does impair lending to financial sectors based in IFCs. This impairment is …

monetary policy tightens, nonbanks increase dollar credit supply to non‑US corporate borrowers, relative to banks. This … to banks) reduces the volatility in capital flows and economic activity associated with the global financial cycle …

resolving bank failures when the authorities cannot observe the level of non-performing loans (NPLs) held by individual banks …. Under asymmetric information, we show that the first-best outcome is achievable when the authorities can close all banks … that fail to raise a minimum level of new capital. But when the authorities cannot close banks and must rely on financial …

. We show that if banks have better information about their borrowers compared to bondholders, only the least risky …

Banks can differ markedly in their sources of income. Some focus on business lending, some on household lending, and … some on fee-earning activities. Increasingly, however, most banks are diversifying into fee-earning activities. Such … stable; but, also traditionally, it has been a small part of the earnings stream of most banks. Has non-interest income …