lending policies of euro area banks. To guide our empirical research, we build a theoretical model in which banks compete à la … effects take place because bidding banks expand their loan supply due to the lower marginal costs implied by the TLTROs …. Indirect effects on non-bidders operate via changes in the competitive environment in banks’ credit and deposit markets and are …

Lending Survey and the Spanish Credit Register. Banks whose net interest income is adversely affected by negative rates are … capital ratios. These banks also increase non-interest charges more. But, importantly, we find no differences in banks’ credit …

. Euro area banks’ responses to the Bank Lending Survey (BLS) enable the banks to be classified into two groups, depending on … whether their net interest income has been impaired or not by the negative rates (“affected” versus “unaffected” banks). The … analysis in this article shows that the affected banks are generally not as well capitalised. This circumstance might have …

the European Central Bank (ECB) on the credit supply of the euro area banks. An empirical approach is used that permits … distinction between the direct and indirect effects of the TLTROs. The direct effects are that banks participating in the TLTROs … the changes that the TLTROs produce in the competition between banks in the loan and deposit markets and which also affect …

Rendering of the loans is one of the main activities of commercial banks, giving the largest income, but at the same … in time and to gain a profit as more as possible commercial banks should give the loans only to the reliable clients … time raising the highest risk. Trying to avoid the risk of non-repayment of the loans, to insure the redemption of the loan …

At this final master’s work the market of loans to Lithuanian households is analyzed. Given the methods applied to … analyze credit markets in practice, the long-term and short-term relations between loans to Lithuanian households and other … transactions. Given the rapid growth of loans to Lithuanian households in recent years, the effect of external impulses coming …