This paper presents empirical evidence on the effect of banks' financial position on credit growth using a sample of 29 …

We document that banks reduce supply of jumbo mortgage loans when policy uncertainty increases as measured by the … timing of US gubernatorial elections in banks' headquarter states. The reduction is larger for more uncertain elections. We … for loans: (1) the microeconomic data allow for state/time (quarter) fixed effects; (2) we observe banks reduce lending …

higher incidence of failure as well as more costly failures. None of these patterns are present in commercial banks subject …

I develop a model where the sovereign debt capacity depends on the capitalization of domestic banks. Low-capital banks … the sovereign risk is sufficiently high, low-capital banks reduce private lending to further increase their holdings of …

We investigate how liquidity regulations affect banks by examining a dormant monetary policy tool that functions as a …-quality liquid asset (HQLA) requirement around an exogenous threshold. We show that mandated increases in HQLA cause banks to reduce … credit supply. Liquidity requirements also depress banks' profitability, though some of the regulatory costs are passed on to …

historical allowances under CECL and modeling how the impact on accounting variables would have affected banks' lending and …

and risk taking activity. To overcome the endogeneity of bank-level reserve holdings to banks' other portfolio decisions …, within banks' loan portfolios …