greater insider ownership leads to less equity issuances. Several tests are consistent with the view that bank insiders are … between bank equity and lending, the results stress that ownership structure can shape the resilience of banks-and hence the …

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 … strong determinants of credit rejections, in the crisis period bank weakness made it harder to obtain external finance for …

framework were more likely to require public support during the crisis. We instrument some characteristics of bank balance … sheets with these prudential indicators to investigate how they affect bank resilience. The share of non-interest income …

the value of sovereign debt and non-bank financial institutions represent the most significant risk to the functioning of …

How much of the heterogeneity in bank loan pricing is explained by disparities in banks' attitude towards risk? The … answer to this question is not simple because there are only very weak proxies for gauging the degree of a bank's risk … confirm that disparities in market power, banks' funding costs, and banks' funding risks are re ected in bank lending rates …

This paper identifies the various channels that give rise to a "sovereign-bank nexus" whereby the financial health of …

crucial complementarities between supervision and monetary policy: centralised supervision offsets excessive bank risk …

could affect bank exposure to the household sector. Information on household income, expenses and liquid assets are used to … calculate household-specific probabilities of default (PD), aggregate bank exposure at default (EAD) and aggregate bank loss … eight, reaching 4.2% of total bank exposure to the household sector. The high-stress scenario also generates a relatively …