We use a unique, new, database to examine micro depositor level data for a bank that faced a run. We use minute … of bank-depositor relationships in influencing depositor propensity to run. We employ methods from the epidemiology … underlying factors. We find that deposit insurance is only partially effective in preventing bank runs. Further, our results …

banks suggests that neither bank size nor government ownership fully explains adoption patterns. Organizational culture …

pre-crisis data, in order to study the impact of government guarantees on bank performance during a crisis. Using bank … private sector bank branches in districts with greater exposure to state-owned banks experienced deposit withdrawals and … shortening of deposit maturity. In contrast, nearby vulnerable state-owned bank branches grew their deposit base and increased …

We develop and estimate a new model of endogenous growth in bank efficiency and firm productivity in which banks adopt …-good-producing entrepreneurs. In this framework, bank efficiency influences firm productivity by affecting agents' occupational choices, while firm … productivity affects bank efficiency through the relative price of capital goods. We find that increasing technology adoption in …

We study U.S. bank branch openings and closings from 2001 to 2023. Both are more common in areas with low deposit …

bank that can infuse liquidity cheaply may be motivated to intervene in the face of fire sales. If so, it can crowd out the …

We demonstrate the passthrough of Treasury supply to bank deposits through bank market power. We show that a larger … further curtails bank lending and affects bank funding structure. The explanatory power of Treasury supply is not driven by …

Economic theories posit that bank liability insurance is designed as serving the public interest by mitigating systemic … private interests of banks, bank borrowers, and depositors, potentially at the expense of the public interest. Empirical …-through subsidy targeted to particular classes of bank borrowers …

process of interstate bank deregulation that lowered barriers to competition across U.S. states over the 1980s and 1990s with … facing each individual bank. We find that regulatory-induced competition reduced liquidity creation. Consistent with some …

by only comparing different branches of the same bank. Since deposits are the main source of liquid assets for households …. Since deposits are also a uniquely stable funding source for banks, the deposits channel impacts bank lending. When the Fed … estimates imply that the deposits channel can account for the entire transmission of monetary policy through bank balance sheets …