A growing body of literature indicates that competition increases bank soundness. Applying an industrial organization … role in the transmission from competition to soundness. We use a twopronged approach. First, we employ Granger causality … tests to establish the link between competition and measures of profit efficiency in banking, and find that competition …

We study the impact of macroprudential capital buffers on banking groups' lending and risk-taking decisions, also … buffers, subsidiaries deleverage lending and risk-taking towards non-financial corporations and marginally expanded lending … affiliated banks' lending activity. Therefore, to ensure the effectiveness of macroprudential policy, it is essential that …

and reduced lending more than banks using a standardized approach. This effect is not driven by borrowers' quality or by … banks in countries with credit booms before the pandemic. The higher risk sensitivity of IRB models does not always result … in lower credit provision when risk intensifies. Certain features of the IRB models - the use of a downturn Loss Given …

We assess the impact of the Eurosystem's Targeted Long-Term Refinancing Operations (TLTROs) on the lending policies of … euro area banks. We first build a theoretical model in which banks compete in the credit and deposit markets. We … environment in banks' credit and deposit markets. We then test these predictions with a sample of 130 banks from 13 countries …

the supply side of bank lending. The financial turmoil starting in mid-2007 had detrimental consequences for banks … examines the impact of supply constraints on bank lending in the euro area with a special focus on this turmoil period. The … empirical evidence presented suggests that banks' ability and willingness to supply loans affects overall bank lending activity …

borrower characteristics as well as internal and external credit scores. Our results suggest that relationships of all kinds …

We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …

While regulatory capital buffers are expected to be drawn to absorb losses and meet credit demand during crises, this …-cyclical behaviour to preserve capital ratios. By employing granular data from the credit register of the European System of Central … Banks, we isolate credit supply effects and find that banks with little headroom above regulatory buffers reduced their …

overnight repurchase agreements (repo) and loan-level credit registry data on corporate loans. We find that borrowers on the …