When the Covid-19 crisis struck, banks using internal-rating based (IRB) models quickly recognized the increase in risk … and reduced lending more than banks using a standardized approach. This effect is not driven by borrowers' quality or by … banks in countries with credit booms before the pandemic. The higher risk sensitivity of IRB models does not always result …

making the assumption that balance-sheet resource allocation is indicative of the strategic focus of banks, we also find …

), well-functioning institutions are a key driving force for international bank flows. Specifically, foreign banks invest … substantially more in countries with i) uncorrupt bureaucracies, ii) high-quality legal system, and iii) a non-government controlled …

monetary policy was up (down). Overall, we find that competition among banks and competition from financial markets result in a …

This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and … bank interest rates, we likewise find that banks tend to price their loans more in accordance with the market in countries … heavier in the loan market than in the deposit markets, so that banks compensate for their reduction in loan market income by …

We study the prices that individual banks pay for liquidity (captured by borrowing rates in repos with the central bank … depend in particular on the distribution of liquidity across banks, which is calculated over time using individual banklevel … data on reserve requirements and actual holdings. Banks pay more for liquidity when positions are more imbalanced across …

This paper develops a DSGE model where banks use short-term deposits to provide firms with long-term credit. The demand …

We develop a partial adjustment model in order to estimate the factors contributing to banks’ internal target capital … ratio, lending policy and holding of securities. The model is estimated on a panel of listed euro area banks and country … specific macrovariables. Firstly, banks’ internal target capital ratios are estimated by using information on banks’ riskiness …

Banks supply payment services that underpin the smooth operation of the economy. To ensure an efficient payment system …-provided payment services. Billion dollar banks account for around ninety percent of assets in the US and those with around to billion … in assets turn out to be both the most and the least competitive in payment services, not the very largest banks. …