minimum standard is unlikely to exhibit adverse consequences for credit supply and bank profitability. …

Recent regulatory efforts aim at lowering the cyclicality of bank lending because of its potential detrimental effects … credit demand-side factors. The public mandate is set by local governments and stipulates a deviation from strict profit … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …

The US credit boom has been identified as one of the causes of the global financial crisis and the resulting debt … overhang is seen as the primary reason for the weak economic recovery. Most of the existing literature links the credit boom to … non-financial private sector had been originated by shadow banks. Consequently, dampening credit creation by the …

Using detailed data of all German banks, we find that banks which have suffered heavy credit losses reduce their … assumption of constant leverage. Weakly capitalized banks grant fewer new loans than other banks. We control for credit demand … using a new method, the construction of tailored hypothetical bank competitors. …

This paper uses matched bank-firm-level data and the 2014 depreciation of the euro to show that exchange rate … depreciations lead to increased bank loan supply of large banks with significant net foreign asset exposure. This increase in … lending can be explained by a shift in credit towards both export-intensive firms and small banks without foreign asset …

We show that credit supply shocks have a strong impact on firm-level as well as aggregate investment by applying the … methodology developed by Amiti and Weinstein (2013) to a rich dataset of matched bank-firm loans in the Portuguese economy for the … growth rate of individual loans in our dataset is decomposed into bank, firm, industry and common shocks. Adverse bank shocks …

We study the synchronization of credit booms and busts among 12 major European economies and the United States between … 1972-2011. We propose a regression-based procedure to test whether boom-bust phases of credit cycles coincide across … countries and to cluster countries with positively synchronized credit cycles. We find strong evidence against the existence of …

experienced pronounced credit booms at the same time that these imbalances were building up, this paper investigates the link … between domestic credit developments and the current account balance, distinguishing between a credit pull and a credit push … factor. The pull factor captures flows of bank loans to the domestic non-financial private sector. An increase in these flows …

growth known from macroeconomics to identify credit booms and test our model for German bank and bankportfolio level data …Excessive credit creation by banks was at the root of the recent financial crisis. Nevertheless, micro … overoptimism causes excessive lending, subsequently yielding abnormal loan write-offs. We propose a new measure of excessive credit …