model of branch-service quality choice with switching costs meant to characterize the trade-off banks face when … markets and for more dominant banks. We find support for the predictions of the model using a panel of household survey data …

This paper studies how banks simultaneously manage the two sides of their balance sheet and its implications for bank … examine how the supply of credit by banks that rely more on wholesale funding changed during periods of low-for-long interest … positively associated with large business loans. In addition, we find that banks that rely on wholesale funding tend to increase …

. Specifically, we show that households whose banks were more exposed to funding shocks report significantly lower levels of non …

financial implications of such defaults for both households and banks. Results from a calibrated version of the model suggest …