fact, the largest when the bank is foreign. Our evidence suggest that investors value relationships with more competitive … applicable also to the European markets where regulatory and economic borders do not coincide and bank identities and reputation … seem to matter a great deal. -- Relationship banking ; bank organization ; bank origin ; loan announcement return …

This paper analyzes the effects of bank mergers on bank-firm relationships. Using matched bank-firm level data, I find … positive effects of mergers for borrowers that continue the lending relationship with the consolidated bank. On average …

relationship with their savings bank prior to applying for a loan, default significantly less than customers with no prior …

businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their … increase leverage and substitute long-term bank debt with FinTech debt. Our findings suggest that FinTech allows firms to … preserve financial exibility, reduce their bank dependence and exposure to banking shocks. …

the role played by bank-level variables, banking sector features in each country, and the specific characteristics of the …/substitution effects of both bank- and portfolio-level variables with the characteristics of the banking sector when explaining credit risk …