We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions …. Additionally, banks that face stronger regulatory scrutiny are more likely to alleviate credit term disparities under the …

of sticky bank-firm relationships, estimate its structural parameters in euro area credit register data, and infer …

Do borrowers demand less credit from banks with weak balance sheet positions? To answer this question we use novel bank … conventional monetary policy shock, bank balance sheet strength influences not only credit supply but also credit demand. The … resilience of lenders plays an important role for firms when selecting whom to borrow from. We also assess the impact on credit …

This paper uses a unique dataset where credit rejections experienced by euro area firms are matched with firm and bank … characteristics. This allows us to study simultaneously the role that bank and firm weakness had in the credit reduction observed in … the euro area during the sovereign debt crisis, and in credit developments characterising the post-crisis recovery …

credit growth is used to capture cyclical exuberance and calibrate buffer requirements, it depends on potentially … heterogeneous dynamics on the borrower and lender sides. By decomposing credit growth into a common component and components … capturing heterogeneity in supply and demand à la Amiti and Weinstein, 2018 applied on the euro area credit register ("AnaCredit …

effect of the reforms on overall credit supply, while at the same time documenting a substantial decline in borrower- and …

O-SII reduced, in the short-term, their credit supply to households and financial sectors and shifted their lending to … less risky counterparts within the non-financial corporations. In the medium-term, the impact on credit supply is defused … that the discontinuous policy change had limited effects on the overall supply of credit although we find evidence of a …