present a model that explains the slow recovery of bank capital and economic activity. Banks provide intermediation in markets … selection. Adverse selection lowers bank profit margins which slows both the internal growth of equity and equity injections …

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 examine the effect of negative nominal interest rates on bank profitability and behavior using a cross-country panel …

; ii) the impact of regulation; and iii) how bank closures exacerbated the post-war bust. The boom encouraged new bank … bank portfolios, while higher minimum capital requirements dampened the effects. Banks that responded most aggressively to … the asset boom had a higher probability of closing in the bust, and counties with more bank closures experienced larger …

bank's loan portfolio--the average physical distance of borrowers from banks' branches. The evolution of lending distances … distant small business loans are indeed riskier for the bank, and greater lending distance is reflective of more generalized … bank risk taking. As competition in banks' local lending markets increases, their local lending becomes riskier, and their …