the effect of entry threat on incumbent banks' loan loss provisions. Incumbents exposed to entry threat have offsetting …

-dominant, collaborate-dominant, compete-dominant, create-dominant) manage their loan loss provisions (LLPs) in response to intensified … industry competition. For identification, we utilise the change in state level competition that followed the passage of the US … collaborate-dominant organizational culture are less likely to exercise discretion over LLPs. In contrast, banks with compete- and …