Do consumers change their payment behaviour after being exposed to a public campaign that encourages them to use their …

leaders' and the followers' banks. In a second treatment followers know that there are economic linkages between the leaders …' and the followers' banks. Our results suggest that deposit withdrawals are strongly contagious across banks only when … depositors know that there are economic linkages between banks. The contagion of withdrawals is by a change in beliefs about bank …

How would a central bank digital currency impact the balance sheets of the central bank and commercial banks? To tackle … this question empirically, we propose a constraint optimisation model that allows individual banks to choose how to respond …-2021 using data from over 2,000 euro area banks. The simulated impact depends on i) the amount of deposits that are withdraw and …

, we provide novel evidence that during the 2008-09 financial crisis, capital-constrained banks managed this concern by … greater liquidity problems induced banks to considerably cut such credit commitments during the crisis. These results suggest … that banks actively manage both capital and liquidity risk caused by undrawn credit commitments in periods of financial …

Following the 2008 financial crisis, policy makers considered regulations that restrict banks' activities which were … motivated by concerns that banks use central bank borrowing, government guarantees, or subsidies to fund securities trading … instead of lending to the real economy. Using a global sample of 132 major banks from 2003 to 2016, we find that banks …

This paper investigates how countries' micro-prudential regulatory regimes are related to banks' systemic risk. We use …

How do banks operate in a negative policy rate environment? Bank profitability is threatened by policy rate cuts in … negative territory because the zero lower bound on retail deposit rates prevents banks from benefiting from cheaper deposit … funding costs. Contrary to some earlier research, this paper finds that banks most affected by negative rates through this …