regulation, recovery and resolution, and risk culture. …

The 2011--2013 rule-making process for the regulation of qualified mortgages was correlated with a reduction in … mortgage lending. In this article, we document this correlation at the bank level. Using a novel measure of banks' perception …

dependencies arising from common risk factors, while recessions in real sectors due to bank defaults should be a secondary concern. …In this paper we study systemic risk for the US and Europe. We show that banks' exposures to common risk factors are … crucial for systemic risk. We come to this conclusion by first showing that relations between US and European banks are …

-specific variables. Data on regulation, supervision and monitoring variables, and activity restrictions are from the most recent Bank … Regulation and Supervision Survey database conducted by the World Bank, published 2012. Besides these we incorporate bank size … banks from 21 European Union countries for the post-crisis year 2010, controlling for bank-specific and country …

We analyze reductions in bank credit using a natural experiment where unprecedented flooding differentially affected … loans in Pakistan and this exogenous shock to bank funding, we find two key results. First, banks disproportionately reduce …

subject to rollover risk. A bank’s optimal borrowing trades off the benefit from investing additional funds into profitable … assets with the cost of greater risk of a run by bank creditors. Changes in the interest rate affect the price and amount of …How do real interest rates affect financial fragility? We study this issue in a model in which bank borrowing is …

liquidity regulation. Our identification strategy uses a regression kink design that relies on the variation in a marginal high …We investigate how liquidity regulations affect banks by examining a dormant monetary policy tool that functions as a … credit supply. Liquidity requirements also depress banks' profitability, though some of the regulatory costs are passed on to …

national liquidity requirements to proxy for banks' incentives to exploit this differential treatment of central bank eligible …We analyze the pledging behavior of Euro area banks during the introduction of the liquidity coverage ratio (LCR). The … LCR considers only a subset of central bank eligible assets and thereby offers banks an arbitrage opportunity to improve …

here primarily look at fiscal policy and sovereign risk perspectives, papers on the monetary policy and regulatory …

, an insight into how the ownership structure of a bank affects investment decisions, performance and ultimately insolvency … risk - the focus of this paper - is crucial. Our results show revenue diversification reduces insolvency risk in banks with … the impact of the latter on insolvency risk in banks. The results also have important policy implications for regulators …