that banks that are bailed out by local politicians experience less restructuring and perform considerably worse than banks … that are supported by the savings bank association. Our findings illustrate that larger distance between banks and decision …

) interest rates are higher for loans originated under the model-based approach, suggesting that banks were aware of the higher … institutions have lower capital charges and at the same time experience higher loan losses. Further, we document that large banks … expense of smaller banks that did not introduce the model-based approach. Overall, our results highlight that if the …

effects relate to dampened credit and asset price growth and, depending on how banks move to higher capital ratios, can …

effects relate to dampened credit and asset price growth and, depending on how banks move to higher capital ratios, can …

that banks that are bailed out by local politicians experience less restructuring and perform considerably worse than banks … that are supported by the savings bank association. Our findings illustrate that larger distance between banks and decision …

Systemically Important Banks (G-SIBs) on bank lending behaviour. Using a difference-in-differences estimation strategy, we find no … loan-specific risk factors for the affected banks. Moreover, we detect a significant decline in the pricing gap between … interest rates charged by G-SIBs and other banks, which we interpret as indirect evidence for a reduction in funding cost …